CN110020802A - A kind of financing security system of financial industry - Google Patents
A kind of financing security system of financial industry Download PDFInfo
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- CN110020802A CN110020802A CN201910281501.4A CN201910281501A CN110020802A CN 110020802 A CN110020802 A CN 110020802A CN 201910281501 A CN201910281501 A CN 201910281501A CN 110020802 A CN110020802 A CN 110020802A
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Abstract
The present invention provides a kind of financing security system of financial industry, meets the online investment and financing demand of user, and has reached overdue effect, by subsequent test and change, so that this system function is more perfect, performance is more stable, user experience is more preferable.
Description
Technical field
The present invention relates to finance and money management platform technology field, the financing more particularly, to a kind of financial industry is safely
System.
Background technique
The universal and application of Internet technology and mobile communication technology, has effectively pushed the development of internet finance, has interconnected
Net finance is constantly adjusted business structure, is improved service level, being established newly with its unique value creation method and management mode
Information system changes the profit model of traditional financial industry.People gradually increase the understanding of economic and financial knowledge, manage money matters
The necessary demand of people is had become with loan, and internet finance provides users with the convenient and operates on efficiently line, and tradition gold
Melt mechanism and does not cover this market segment and user.On the one hand, China's conventional financial products show explosive growth, still
The investment of conventional financial products and service threshold are higher, and earning rate is low, and the time limit is fixed, both not flexible or inconvenient, due to lacking
Novel financing approach and finance product, the medium income group of substantial amounts often select savings mode to carry out wealth increasing
Value, user's on line financing market still has huge notch.On the other hand, the loan problem of China individual and little Wei enterprise is always
It is not well solved, there are many unfavorable factors for financing, and such as providing a loan, threshold is high, loan limit is low, finance costs are high, examination & approval
Period is long, and the difficult reason that causes loan has very much, such as system of extending loans and credit policy is unsound, help from government dynamics is weak, small micro-
Scope of the enterprise is small, stability is poor, and financial information is opaque, and bank is difficult to grasp its true management state, once it makes loans, silver
Row is accepted the risk larger, and bank, China serves primarily in large enterprises, little Wei enterprise be easy it is ignored, although country and bank
Start to pay attention to the difficult problem of loan, but produce little effect, therefore, personal and enterprise needs new credit extending channel.
Under the big epoch of internet finance, traditional financial industry does not comply with era development trend, does not meet consumption
The experience sense of person by with private subscribed services, have ignored product individuality and service level, the current situation of traditional financial industry has
Many deficiencies, firstly, transacting business is time-consuming and laborious, cost is too high, for a user, bank is gone to need to wait for a long time,
The time for handling a business is very short, but user but spends tens times of time on the way and in waiting, for frequently handling
For the user of business, actually one is big worried；Secondly, service quality is irregular, shown according to the report of accessment and test of silver-colored rate net,
It is in poor service to account for nearly seventy percent in the complaint that bank suffers, in addition the problems such as unreasonable charges, sale misleading, one-sided agreement
It is more prominent；Then, small micro- business loan is difficult, is that it is hung back, due to most of little Wei enterprise accept the risk ability it is poor,
Repaying ability is low, credit grade is not high, bank therefrom obtains reasons, the banks such as income is low and is reluctant clothes of offering a loan for little Wei enterprise
Business, but energy is concentrated mainly on service high-end user and large enterprise；Finally, current finance product is few and benefit
Low, most of finance product of bank plays at least ten thousand yuan of the amount of money of purchase, and at least two or three months in time limit come many wage-earners
It says, buys that finance product is unqualified, and savings account produces little effect again, cause customer churn.
Under the overall situation that global economy flourishes, the innovation of financial field grows with each passing hour, and new tool for managing money matters is very big
Ground has pushed the change of financing risk and way to manage money, and along with the appearance and development of internet finance, people invest and finance online
Demand is more more and more intense, on the one hand, way to manage money, which is managed money matters from pervious savings to diversification, specialized direction, to be developed, with net
Based on network marketing, analyze quantization user with technologies such as big datas, user demand and preference be accurately positioned, increase information technology with
The degrees of fusion of business.On the other hand, personal and little Wei enterprise needs more loan small amounts, and polynary more hair is presented in micro-financing
Direction is opened up, is mainly changed by pervious bank loan and is financed by internet.Personal and enterprise is carried out by internet
Investment and financing is new demand and trend, and guarantee is provided for a long term under current complicated economic situation for user trusts that stable throwing is melted
Money service is especially important.
Summary of the invention
The present invention provides a kind of a kind of financial industry for overcoming the above problem or at least being partially solved the above problem
Financing security system.
The embodiment of the present invention provides a kind of financing security system of financial industry, including account management subsystem, loan pipe
Manage subsystem and Investment & Financing system；
The account management subsystem includes registering unit, logs in unit and cloud storage unit；
The registering unit is for obtaining phone number of the user in account application for registration, if knowing the phone number
It is unregistered, then unique account is created for user；
If the cloud storage unit knows that the phone number is registered for judging, the note of the phone number is obtained
Volume time and finally opening an account the time in common carrier；Compare the registion time and it is described finally open an account the time, if institute
It states registion time finally to open an account the time earlier than described, then judges that the phone number is unregistered；
The login unit, by network, inputs identification card number and cell-phone number for user, login authentication is obtained, to make
User identity card number and mobile phone number are stored to database server；
The loan administration subsystem includes management of product unit, project management unit and borrower's administrative unit；It is described
Loan project is divided into different types of product for the feature based on loan project by management of product unit, and sets ProductName
Title, product coding, Product Status；The project management unit is for carrying out management and audit；Borrower's pipe
Reason unit is used to thinking borrower into ordinary loan people and company loans people, carries out borrower and manage and maintain, including create and borrow
Money people, searches borrower, disables and enables borrower at modification borrower's information；
The Investment & Financing system includes risk class evaluation module, value assessment module and investment module；
The risk class evaluation module based on risk indicator for being assessed by the risk class of investment project, certainly
It is fixed whether investee to be invested；The risk indicator include technical risk, production risk, the market risk, managing risk,
Financial risk and environmental risk；The risk class includes low risk, moderate risk and high risk, wherein the minuent
Risk is every risk indicator integration value in setting first threshold range, good by investment project operating status；The moderate
Risk is every risk indicator integration value within the scope of setting second threshold, and the development of partial risks index is to by investment item
Mesh impacts；The high risk is every risk indicator integration value in setting third threshold range, the hair of risk indicator
Exhibition causes to seriously affect to by investment project；
The value assessment module is assessed based on risk class assessment result by the value of investment project；
The investment module carries out risk investment according to by the value assessment result and risk class of investment project.
Preferably, the account management subsystem further includes account storage unit, information confirmation unit and preposition inspection
Verification certificate member；
The account storage unit, for storing the relevant information of current registered user account, the relevant information packet
Include login name, login password, phone number and registion time；
The information confirmation unit, for obtaining user after the phone number in account application for registration, Xiang Suoshu mobile phone
Number pushes identifying code to verify whether the phone number belongs to the current user for initiating account application for registration；
The preposition inspection unit whether there is for verifying phone number of the user in account application for registration in account
The phone number of storage unit arranges.
Preferably, the cloud storage unit includes information storage module and comparison module；
The information storage module, phone number and last time for storing common carrier upload are opened an account the time；
The comparison module for the registion time and described is finally opened an account the time；If the registion time is early
It finally opens an account the time in described, then returns to the information for supporting the phone number registration；If the registion time be later than it is described most
After open an account the time, then return to the information for refusing phone number registration.
Preferably, the technical risk includes: technical policy and relevant law index, the adjustment index of regulation, skill
Art damage index caused by natural environment, the enforcement difficulty index of technology, technology adds up and technology development potentiality index, technology
Intellectual property protection index, the degree of contention index of technology；
The production risk includes: producers and production requirement matching degree index, of resources of production and production requirement
With degree index；
The market risk index includes: the unique index of product, and the life cycle index of product, market demand degree is not
Certainty index, market receive time uncertainty index, market competition uncertainty index；
The managing risk includes: Executive Team's experience index, Executive Team's cohesiveness index, and Executive Team's technical ability refers to
Mark, by investment project institutional framework reasonability index, by investment items decision process validity index；
The financial risk includes:, by investment project operation ability index, to be invested by investment project Profitability Index
Project debt paying ability index, by investment project growing ability index；
The environmental risk includes: capital market integrity index, social credibility index and risk investment correlation method law
Rule policy viability index.
Preferably, every risk indicator integration value is P=0.18A+0.28B+0.24C+0.68D+0.36E+
0.36F；Wherein, A, B, C, D, E and F are respectively technical risk, production risk, the market risk, managing risk, financial risk and ring
Each index score sum in the risk of border.
Preferably, the value assessment module will be divided into low value, middle value and high value by investment project.
Preferably, the investment module selection is by investment project principle are as follows: the project of moderate risk and middle value, or
The project of moderate risk and high value, or the project of low risk and middle value, or the project of low risk and high value.
The present invention proposes a kind of financing security system of financial industry, meets the online investment and financing demand of user, and
Overdue effect is reached, by subsequent test and change, so that this system function is more perfect, performance is more stable, user experience
More preferably.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is this hair
Bright some embodiments for those of ordinary skill in the art without creative efforts, can be with root
Other attached drawings are obtained according to these attached drawings.
Fig. 1 is the financing security system schematic diagram according to the financial industry of the embodiment of the present invention.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art
Every other embodiment obtained without creative efforts, shall fall within the protection scope of the present invention.
The embodiment of the present invention provides a kind of financing security system of financial industry, including account management subsystem, loan pipe
Manage subsystem and Investment & Financing system；
The account management subsystem includes registering unit, logs in unit and cloud storage unit；
The registering unit is for obtaining phone number of the user in account application for registration, if knowing the phone number
It is unregistered, then unique account is created for user；
If the cloud storage unit knows that the phone number is registered for judging, the note of the phone number is obtained
Volume time and finally opening an account the time in common carrier；Compare the registion time and it is described finally open an account the time, if institute
It states registion time finally to open an account the time earlier than described, then judges that the phone number is unregistered；
The login unit, by network, inputs identification card number and cell-phone number for user, login authentication is obtained, to make
User identity card number and mobile phone number are stored to database server；
The loan administration subsystem includes management of product unit, project management unit and borrower's administrative unit；It is described
Loan project is divided into different types of product for the feature based on loan project by management of product unit, and sets ProductName
Title, product coding, Product Status；The project management unit is for carrying out management and audit；Borrower's pipe
Reason unit is used to thinking borrower into ordinary loan people and company loans people, carries out borrower and manage and maintain, including create and borrow
Money people, searches borrower, disables and enables borrower at modification borrower's information；
The Investment & Financing system includes risk class evaluation module, value assessment module and investment module；
The risk class evaluation module based on risk indicator for being assessed by the risk class of investment project, certainly
It is fixed whether investee to be invested；The risk indicator include technical risk, production risk, the market risk, managing risk,
Financial risk and environmental risk；The risk class includes low risk, moderate risk and high risk, wherein the minuent
Risk is every risk indicator integration value in setting first threshold range, good by investment project operating status；The moderate
Risk is every risk indicator integration value within the scope of setting second threshold, and the development of partial risks index is to by investment item
Mesh impacts；The high risk is every risk indicator integration value in setting third threshold range, the hair of risk indicator
Exhibition causes to seriously affect to by investment project；
The value assessment module is assessed based on risk class assessment result by the value of investment project；
The investment module carries out risk investment according to by the value assessment result and risk class of investment project.
Preferably, the account management subsystem further includes account storage unit, information confirmation unit and preposition inspection
Verification certificate member；
The account storage unit, for storing the relevant information of current registered user account, the relevant information packet
Include login name, login password, phone number and registion time；
The information confirmation unit, for obtaining user after the phone number in account application for registration, Xiang Suoshu mobile phone
Number pushes identifying code to verify whether the phone number belongs to the current user for initiating account application for registration；
The preposition inspection unit whether there is for verifying phone number of the user in account application for registration in account
The phone number of storage unit arranges.
Preferably, the cloud storage unit includes information storage module and comparison module；
The information storage module, phone number and last time for storing common carrier upload are opened an account the time；
The comparison module for the registion time and described is finally opened an account the time；If the registion time is early
It finally opens an account the time in described, then returns to the information for supporting the phone number registration；If the registion time be later than it is described most
After open an account the time, then return to the information for refusing phone number registration.
Preferably, the technical risk includes: technical policy and relevant law index, the adjustment index of regulation, skill
Art damage index caused by natural environment, the enforcement difficulty index of technology, technology adds up and technology development potentiality index, technology
Intellectual property protection index, the degree of contention index of technology；
The production risk includes: producers and production requirement matching degree index, of resources of production and production requirement
With degree index；
The market risk index includes: the unique index of product, and the life cycle index of product, market demand degree is not
Certainty index, market receive time uncertainty index, market competition uncertainty index；
The managing risk includes: Executive Team's experience index, Executive Team's cohesiveness index, and Executive Team's technical ability refers to
Mark, by investment project institutional framework reasonability index, by investment items decision process validity index；
The financial risk includes:, by investment project operation ability index, to be invested by investment project Profitability Index
Project debt paying ability index, by investment project growing ability index；
The environmental risk includes: capital market integrity index, social credibility index and risk investment correlation method law
Rule policy viability index.
Preferably, every risk indicator integration value is P=0.18A+0.28B+0.24C+0.68D+0.36E+
0.36F；Wherein, A, B, C, D, E and F are respectively technical risk, production risk, the market risk, managing risk, financial risk and ring
Each index score sum in the risk of border.
Preferably, the value assessment module will be divided into low value, middle value and high value by investment project.
Preferably, the investment module selection is by investment project principle are as follows: the project of moderate risk and middle value, or
The project of moderate risk and high value, or the project of low risk and middle value, or the project of low risk and high value.
The present invention proposes a kind of financing security system of financial industry, meets the online investment and financing demand of user, and
Overdue effect is reached, by subsequent test and change, so that this system function is more perfect, performance is more stable, user experience
More preferably.
The apparatus embodiments described above are merely exemplary, wherein described, unit can as illustrated by the separation member
It is physically separated with being or may not be, component shown as a unit may or may not be physics list
Member, it can it is in one place, or may be distributed over multiple network units.It can be selected according to the actual needs
In some or all of the modules achieve the purpose of the solution of this embodiment.Those of ordinary skill in the art are not paying creativeness
Labour in the case where, it can understand and implement.
Through the above description of the embodiments, those skilled in the art can be understood that each embodiment can
It realizes by means of software and necessary general hardware platform, naturally it is also possible to pass through hardware.Based on this understanding, on
Stating technical solution, substantially the part that contributes to existing technology can be embodied in the form of software products in other words, should
Computer software product may be stored in a computer readable storage medium, such as ROM/RAM, magnetic disk, CD, including several fingers
It enables and using so that a computer equipment (can be personal computer, server or the network equipment etc.) executes each implementation
Method described in certain parts of example or embodiment.
Finally, it should be noted that the above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations；Although
Present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that: it still may be used
To modify the technical solutions described in the foregoing embodiments or equivalent replacement of some of the technical features；
And these are modified or replaceed, technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution spirit and
Range.
Claims (7)
1. a kind of financing security system of financial industry, which is characterized in that including account management subsystem, loan administration subsystem
With Investment & Financing system；
The account management subsystem includes registering unit, logs in unit and cloud storage unit；
The registering unit is for obtaining phone number of the user in account application for registration, if knowing, the phone number is not infused
Volume, then create unique account for user；
If the cloud storage unit knows that the phone number is registered for judging, when obtaining the registration of the phone number
Between and common carrier finally opening an account the time；Compare the registion time and it is described finally open an account the time, if the note
The volume time finally opens an account the time earlier than described, then judges that the phone number is unregistered；
The login unit, by network, inputs identification card number and cell-phone number for user, login authentication is obtained, to make user
Identification card number and mobile phone number are stored to database server；
The loan administration subsystem includes management of product unit, project management unit and borrower's administrative unit；The product
Loan project is divided into different types of product for the feature based on loan project by administrative unit, and is set name of product, produced
Product coding, Product Status；The project management unit is for carrying out management and audit；Borrower's administrative unit
For borrower to be thought ordinary loan people and company loans people, carries out borrower and manage and maintain, including create borrower, repair
Change borrower's information, searches borrower, disables and enables borrower；
The Investment & Financing system includes risk class evaluation module, value assessment module and investment module；
For being assessed based on risk indicator by the risk class of investment project, decision is the risk class evaluation module
It is no that investee is invested；The risk indicator includes technical risk, production risk, the market risk, managing risk, finance
Risk and environmental risk；The risk class includes low risk, moderate risk and high risk, wherein the minuent risk
It is every risk indicator integration value in setting first threshold range, it is good by investment project operating status；The moderate risk
It is every risk indicator integration value within the scope of setting second threshold, the development of partial risks index is made to by investment project
At influence；The high risk is every risk indicator integration value in setting third threshold range, and the development of risk indicator is
Through causing to seriously affect to by investment project；
The value assessment module is assessed based on risk class assessment result by the value of investment project；
The investment module carries out risk investment according to by the value assessment result and risk class of investment project.
2. the financing security system of financial industry according to claim 1, which is characterized in that the account management subsystem
It further include account storage unit, information confirmation unit and preposition inspection unit；
The account storage unit, for storing the relevant information of current registered user account, the relevant information includes stepping on
Record name, login password, phone number and registion time；
The information confirmation unit, for obtaining user after the phone number in account application for registration, Xiang Suoshu phone number
Push identifying code is to verify whether the phone number belongs to the current user for initiating account application for registration；
The preposition inspection unit whether there is for verifying phone number of the user in account application for registration in account storage
The phone number of unit arranges.
3. the financing security system of financial industry according to claim 1, which is characterized in that the cloud storage unit includes
Information storage module and comparison module；
The information storage module, phone number and last time for storing common carrier upload are opened an account the time；
The comparison module for the registion time and described is finally opened an account the time；If the registion time is earlier than institute
It states and finally opens an account the time, then return to the information for supporting the phone number registration；If the registion time is later than and described finally opens
The family time then returns to the information for refusing the phone number registration.
4. the financing security system of financial industry according to claim 1, which is characterized in that the technical risk includes:
Technical policy and relevant law index, the adjustment index of regulation, technology damage index caused by natural environment, the implementation of technology
Index of difficulty, technology is accumulative and technology development potentiality index, the intellectual property protection index of technology, the degree of contention of technology refer to
Mark；
The production risk includes: producers and production requirement matching degree index, the matching degree of resources of production and production requirement
Index；
The market risk index includes: the unique index of product, the life cycle index of product, and market demand degree is uncertain
Property index, market receives time uncertainty index, market competition uncertainty index；
The managing risk includes: Executive Team's experience index, Executive Team's cohesiveness index, Executive Team's technical ability index, quilt
Investment project institutional framework reasonability index, by investment items decision process validity index；
The financial risk includes: by investment project Profitability Index, by investment project operation ability index, by investment project
Debt paying ability index, by investment project growing ability index；
The environmental risk includes: capital market integrity index, social credibility index and risk investment relevant laws and regulations political affairs
Plan viability index.
5. the financing security system of financial industry according to claim 1, which is characterized in that every risk indicator integration value
For P=0.18A+0.28B+0.24C+0.68D+0.36E+0.36F；Wherein, A, B, C, D, E and F are respectively technical risk, production
Each index score sum in risk, the market risk, managing risk, financial risk and environmental risk.
6. the financing security system of financial industry according to claim 1, which is characterized in that the value assessment module will
Low value, middle value and high value are divided by investment project.
7. the financing security system of financial industry according to claim 1, which is characterized in that the investment module selects quilt
Investment project principle are as follows: the project of the project or moderate risk and high value of moderate risk and middle value, or low risk and in
The project of value, or the project of low risk and high value.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| TWI735129B (en) * | 2020-01-03 | 2021-08-01 | 雷舍商務鑑價有限公司 | Method and system for determining enterprise value or intangible asset value using risk rating |
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Application publication date: 20190716 |