CN110298634A - A kind of rare metal B2B2C electronization financing cloud platform - Google Patents

A kind of rare metal B2B2C electronization financing cloud platform Download PDF

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CN110298634A
CN110298634A CN201910583769.3A CN201910583769A CN110298634A CN 110298634 A CN110298634 A CN 110298634A CN 201910583769 A CN201910583769 A CN 201910583769A CN 110298634 A CN110298634 A CN 110298634A
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王霞
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Abstract

The invention discloses a kind of rare metal B2B2C electronization financing cloud platforms, provide transaction cloud platform solution for rare metal industrial financing comprising: management of investment subsystem and financing services subsystem;The management of investment subsystem is used to provide project docking and cooperation, including project auditing module, investment agreement module and risk management module for platform user;The financing services subsystem is used to provide financing services for platform user, including B2B module, crowd raise module and bank interface.Financing platform provided by the invention provides quick reliable, feature-rich credit extending channel for platform user, meets financing needs real in rare metal industry development, promote Financing efficiency, promote the development of rare metal industry.

Description

A kind of rare metal B2B2C electronization financing cloud platform
Technical field
The present invention relates to financial field more particularly to a kind of rare metal B2B2C electronization financing cloud platforms.
Background technique
Rare metal is national economy, people's daily life and national defense industry, the essential basis of scientific technological advance Material and important strategic materials.Due to China at present still in fast development during, rare gold as industrial foundation Belonging to industrial expansion situation has vital influence to manufacturing fast development, no to Chinese Economic Energy to continue to keep opposite Higher growth rate just seems more important.
How traditional underlying metal financing difficulties are constructed with meeting rare metal industry numerous enterprises and Man's Demands again Promote the financing of rare metal industry development mode, optimizes allocation of financial resource, be rare metal industry development urgent need to resolve Problem.Growth, profitability, scope of the enterprise, the assets cover value, non-debt tax shield of rare metal enterprise, in addition there are The factors such as uniqueness, the market competitiveness, liquidity of assets, the company governance of product directly affect non-ferrous metal medium-sized and small enterprises Financing structure selection.Fundamentally to solve the problems, such as rare metal Financing it is necessary to internet finance and rare gold The financing market demand for belonging to enterprise is effectively engaged togather.
The domestic rare metal industry wisdom financing transaction platform for lacking profession at present.Rare metal with the time difference There are section floating, the price problem that common B2B E-commerce method audit generates in non-ferrous metal transaction lacks price Few solution route, it is also difficult to meet rare metal in exploitation, smelting, transaction, the credit requirement in, lack and project is carried out The audit of profession can not provide profession reliable financing channels.
Summary of the invention
To solve the above-mentioned problems, the present invention proposes a kind of rare metal B2B2C electronization financing cloud platform.For rare The characteristics of metal enterprise, sets rare metal industry financing standard in conjunction with the function of organization of rare metal employer's organization, and specification is dilute There is metal industry financing related service development, takes precautions against the financing risk of rare metal enterprise.With internet financial database operation Basic platform excavates, analyzes and selects valuable information, by integration and deep processing, constructs rare metal industry internet Evaluate mechanism and credit review mechanism in financial market.By rare metal B2B2C electronization financing cloud platform and rare metal industry Association and organization is major, medium-sized and small enterprises are initiated jointly, is participated in jointly by investment institution and bank, and building adapts to China's rare metal row The Financial Supporting System of industry demand for development.
A kind of cloud platform the invention adopts the following technical scheme: rare metal B2B2C electronization is financed, comprising: investment pipe Manage subsystem and financing services subsystem;
The management of investment subsystem is used to provide the project docking and cooperation of nonferrous metal property profession for platform user, including Project auditing module, investment agreement module and risk management module;
The financing services subsystem is used to provide financing services for platform user, including B2B module, crowd raise module and bank connects Mouthful.
Further, the project auditing module includes: project typing submodule, project authentic assessment submodule, item Mesh Assessment of Policy submodule, project appraisal submodule and project processing module;
The project typing submodule is used for platform user to this platform typing project information;And format rule are carried out to typing information Plasticity inspection is waited and being assessed in next step;
The project authentic assessment submodule is used for authenticity, accuracy, integrality and the reasonability of evaluation item;
Whether the project Assessment of Policy submodule meets current industrial policy and regulation for evaluation item;
The project appraisal submodule is used to compare the comprehensive score of similar projects in this platform, to obtain this item purpose value ginseng Examine level;
The project processing module, for providing the processing conclusion of project, into next step process;The processing conclusion is " logical Cross ", " not passing through ", " return and modify " or " preferential ".
Further, the investment agreement module includes: agreement audit submodule, agreement encryption submodule and Electronic Signature Verify submodule;
The agreement audit submodule is for auditing the format and important document of agreement;
The agreement encryption submodule is for encrypting agreement, with only visible for agreement both sides;
The Electronic Signature verifying submodule audits the electronic identity of agreement both sides.
Further, the risk management module include: risk indicator selection submodule, index weights setting submodule, Submodule is assessed in risk individual event, submodule and similar projects risk comparer module are suggested in risk assessment;
The risk indicator selection submodule is used for the risk individual event to be evaluated according to items selection;
The index weights setting submodule is for adjusting weight of the risk individual event in evaluation;
The risk individual event assessment submodule is for providing quantization score to risk individual event;
The risk assessment suggests that submodule is used for the quantization score and its weight according to risk individual event, obtains risk score;
The similar projects risk comparer module is used to compare the risk score of similar projects in this platform, to obtain this project Risk reference levels.
Further, the B2B module is financed for platform user to mechanism, including product financing module, supply Chain financing module;
The product financing module is used to provide staple commodities for user and carries out the financing platform for being changed loan with goods, and debtor and creditor is passed through Product, interest rate, the life of loan information pairing, help enterprise obtain financing services, and give risk control range to supplier, The financing behavior of dealer and bank exercises supervision;
The Supply chain financing module is used to provide the upstream and downstream firms mechanism, bank, assets intermediary of complete supply chain for user, Financing can be provided to the big data risk control modeling next including credit risk, flow risk and operational risk to become Amount reference, and the enterprise institution and Transaction Information of supply chain are mutually authenticated;
Further, the crowd raises module and finances for platform user to individual, including crowd raises audit submodule, crowd raises hair Cloth submodule, crowd raise supervision submodule and crowd raises accounting submodule;
The crowd raises audit submodule and is used to carry out crowd's project of raising specification audit, and rule project is closed in approval;
The crowd raises publication submodule and is used to carry out crowd's project of raising of approval publication displaying, starts crowd and raises process;
The crowd raises legal risk during supervision submodule is used to raise crowd, crowd raises the operational risk of mode, crowd raises mode Technical risk and crowd raise behavior and fund is supervised, and handle the behavior for not meeting platform specification;
The crowd raises crowd raise process of the accounting submodule for completion and calculates, and carries out cost effectiveness analysis and Financing efficiency Assessment.
Further, the bank interface, for being docked with banking system;It uses the internet bank of industry universal Docking system and method.
The beneficial effects of the present invention are: financing cloud platform provided by the invention provides quick reliable, function for user Credit extending channel abundant meet financing needs real in rare metal industry development, promote Financing efficiency, promote rare The development of metal industry, only enterprise does not open up new investment credit credit extending channel, solves the problems, such as financing difficulties, additionally provides production Product financing, Supply chain financing and public investment channel, meet rare metal industry and enterprise and Man's Demands, reduce financing wind Danger.
Detailed description of the invention
Fig. 1 is system diagram of the invention.
Specific embodiment
It is with reference to the accompanying drawing and specific real in order to make those skilled in the art more fully understand technical solution of the present invention Applying example, the present invention is described in further detail.
As shown in Figure 1, in the present embodiment, a kind of rare metal B2B2C electronization financing cloud platform, comprising: management of investment Subsystem and financing services subsystem.Management of investment subsystem and financing services subsystem using the big data of cloud computing as means, Whole value chain of providers of funds and demander is got through, the supplier of fund and demander all pass through rare metal B2B2C Electronization financing cloud platform spontaneously polymerize and quickly propagates.Platform deposits card technology by block chain and carries out transaction qualification certification Management carries out financing management by the project that block chain shares account book technology, while can pass through block chain supply chain financial technology Carry out project implementation management.
Efficient investment and financing income of the rare metal enterprise by the financing cloud platform acquisition of B2B2C electronization, attract money The supplier of gold, the transaction cost of fund both sides of supply and demand is reduced using Third-party payment platform, keeps fund configuration more reasonable.
The management of investment subsystem is used to provide the project docking and cooperation of nonferrous metal property profession for platform user, Including project auditing module, investment agreement module and risk management module;To the rare metal row in internet big data platform Industry enterprise by authentication information, business standing, operation data, logistics data, customer data, sales data, financial data, up and down The information indexes such as trip transaction carry out comprehensive analysis, excavate with innovation ability, have future development potentiality and the dilute of value of appreciating Have metal investment project, for providers of funds and demander provide it is more scientific, more comprehensively, the selection of more convenient and fast project, Project audit, investment agreement service and risk management service make rare metal B2B2C electronization financing cloud platform to non-ferrous metal Enterprise really becomes timely, rather than only share its at.
The financing services subsystem is used to provide financing services for platform user, including B2B module, crowd raise module and silver Line interface.Rare metal enterprise issues financing information using rare metal B2B2C electronization financing cloud platform, passes through product matter Amount, achievement, advantage etc. attract investor, and the network user can be according to enterprise development situation, by the selection of information, to interested Industry invested and financed, not only improve the science and specific aim of the financial service of rare metal industry and enterprise, and And more promote the self-growth and innovation of rare metal enterprise.
Further, the project auditing module includes: project typing submodule, project authentic assessment submodule, item Mesh Assessment of Policy submodule, project appraisal submodule and project processing module;
The project typing submodule is used for platform user to this platform typing project information;And format rule are carried out to typing information Plasticity inspection is waited and being assessed in next step;Enterprise initiates project financing demand application on platform, and provide enterprise credit risk, Enterprise project investment recommendation or project investment feasibility study report, project Preliminary design audit data, project estimation audit The information such as data;
The project authentic assessment submodule is used for authenticity, accuracy, integrality and the reasonability of evaluation item;
Whether the project Assessment of Policy submodule meets current industrial policy and regulation for evaluation item.Usually, people Often compare the assessment focused on to the market of investment project, technology, economy etc., and usually ignores policies and regulations to an item Purpose significant impact.In fact, policies and regulations risk is easier to decide compared with the market risk, technical risk, financial risk The success or failure of one investment project.Project Assessment of Policy submodule is to rely on big data cloud platform, in conjunction with rare metal industry item Whether purpose feature, mainly carries out the assessment of following aspect to required investment project: (1) meeting and adhere to national industry development guiding Policy, if meet industry development plan and product developmental sequence;(2) whether meet and hold national science and technology advance, if The technology development policies for meeting countries and regions, can promote scientific and technological progress and economic development;(3) whether meet the national ring of execution Border Protection Code, and whether have and administer purifying contaminated source concrete measure;(4) whether meet security protection principle, if meet Safety prevention measure is complete, and rules and regulations are sound etc.;
The project appraisal submodule is used to compare the comprehensive score of similar projects in this platform, to obtain this item purpose value ginseng Examine level;The essence of project appraisal submodule is to screen risk, anticipating risk, reduce risks, and guarantees that investment obtains expected benefit, Safeguard the personal equity of investor and creditor;
The project processing module, for providing the processing conclusion of project, into next step process;The processing conclusion is " logical Cross ", " not passing through ", " return and modify " or " preferential ".Rare metal B2B2C electronization financing cloud platform audits its project investment Or the qualification of Corporate finance investment to be supplied or the financing services such as is placed in it on platform if eligible;
Further, the investment agreement module includes: agreement audit submodule, agreement encryption submodule and Electronic Signature verifying Submodule;
The agreement audit submodule is for auditing the format and important document of agreement;
The agreement encryption submodule is for encrypting agreement, with only visible for agreement both sides;
The Electronic Signature verifying submodule audits the electronic identity of agreement both sides.
Further, the risk management module include: risk indicator selection submodule, index weights setting submodule, Submodule is assessed in risk individual event, submodule and similar projects risk comparer module are suggested in risk assessment.This module is with big data It is to rely on cloud computing, establishes the controlling mechanism to investment risk and credit risk, including invests preceding risk assessment, investment apoplexy Risk handles, borrows preceding risk assessment, borrows risk processing after risk control early warning, loan after danger control early warning, investment;
The risk indicator selection submodule is used for according to project and the risk individual event to be evaluated of loan selection;
The index weights setting submodule is for adjusting weight of the risk individual event in evaluation;
The risk individual event assessment submodule is for providing quantization score to risk individual event;
The risk assessment suggests that submodule is used for the quantization score and its weight according to risk individual event, obtains risk score;
The similar projects risk comparer module is used to compare the risk score of similar projects in this platform, to obtain this project Risk reference levels.Simultaneously in order to reduce out the risk of capital and financing platform, introduce the guarantee corporations such as Pingan Insurance and The deposit receipt of bank is assured;
Further, the B2B module is financed for platform user to mechanism, including product financing module, supply chain are melted Provide module;
The product financing module, is the Financial Information and credit information by big data analysis financing enterprise, for being user Staple commodities are provided and carry out the financing platform for changing loan with goods, are matched by information such as the products, interest rate, the life of loan of debtor and creditor It is right, help enterprise to obtain financing services, and carry out based on risk control range to the financing behavior of supplier, dealer and bank Discretion inspection;
The Supply chain financing module is used to provide the upstream and downstream firms mechanism, bank, assets intermediary of complete supply chain for user Equal financial institutions, module can be to the big numbers next including credit risk, the market risk, flow risk and operational risk It is modeled according to risk control and financing variable reference is provided, and enterprise institution and receivables and payables to supply chain, advance prepayment and stock The Transaction Informations such as financing are mutually authenticated.
Further, the crowd raises module and finances for platform user to individual, including crowd raises audit submodule, crowd Raise publication submodule, crowd raises supervision submodule and crowd raises accounting submodule;This module belongs to rare metal industry product class, equity Class, internet non equity class or item class crowd raise, and are raised, are obtained in a manner of product or the dividend of revenue scheme by participating in crowd.
The crowd raises audit submodule and is used to carry out crowd's project of raising specification audit, and rule project is closed in approval;Due to rare gold Belong to industry product with or project have the characteristics that investment time length, capital turnover slowly, investor's stickiness it is low, therefore, rare metal Industry product with or project crowd raise financing need to reinforce project close rule discretion verify;
The crowd raises publication submodule and is used to carry out crowd's project of raising of approval publication displaying, starts crowd and raises process;To personal straight Connect investment, " throwing+limit is led to throw " (profession neck administration has investing with throwing people for circulating fund), the indirect shareholder of fund, stock right financing Isotype carries out publication or roadshow;
The crowd raises legal risk during supervision submodule is used to raise crowd, crowd raises the operational risk of mode, crowd raises mode Technical risk and crowd raise behavior and fund is supervised, and handle the behavior for not meeting platform specification;This module is with complete Kind Risk Management System, periodically to rare metal industry product with or project crowd raise carry out risk assessment, according to risk assessment Risk point out, classification Zhi Ding not be directed to the early warning mechanism of the mode, big data, cloud computing and shared information are added and monitored Among management;Firewall system is established to enterprise in platform simultaneously, fully ensures that transaction security, information truth and system are stablized;
The crowd raises crowd raise process of the accounting submodule for completion and calculates, and carries out cost effectiveness analysis and Financing efficiency Assessment.
Further, the bank interface, for being docked with banking system;It uses the internet bank of industry universal Docking system and method.Rare metal B2B2C electronization financing cloud platform is flat in offer rare metal industry and enterprise credit information On the basis of platform, increase company information certification, reciprocity function is matched by bank, integration processing, precisely is carried out to business capital demand Positioning improves company information in the circulation of interbank, shortens the time of business finance;Rare metal B2B2C electronization is melted Knowledge, the huge scale that cloud platform is provided by rare metal profession can carry out loan financing agreed-upon price with bank, further drop Low Corporate finance cost, the flow data of acquisition enterprise product and trade that bank is had permission by platform, reduces investigation and management Cost.
It should be noted that for simple description, therefore, it is stated as a systems for each embodiment of the method above-mentioned The combination of actions of column, but those skilled in the art should understand that, the application is not limited by the described action sequence, because For according to the application, certain some step be can be performed in other orders or simultaneously.Secondly, those skilled in the art also should Know, the embodiments described in the specification are all preferred embodiments, related movement and unit not necessarily this Shen It please be necessary.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in some embodiment Part, reference can be made to the related descriptions of other embodiments.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with Relevant hardware is instructed to complete by computer program, the program can be stored in computer-readable storage medium In, the program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein, the storage medium can be magnetic Dish, CD, cloud disk, Dropbox, ROM, RAM etc..
The above disclosure is only the preferred embodiments of the present invention, cannot limit the right model of the present invention with this certainly It encloses, therefore equivalent changes made in accordance with the claims of the present invention, is still within the scope of the present invention.

Claims (7)

  1. The cloud platform 1. a kind of rare metal B2B2C electronization is financed, it is characterised in that: include: management of investment subsystem and financing Service subsystem;
    The management of investment subsystem is used to provide project docking and cooperation, including project auditing module, investment for platform user Protocol module and risk management module;
    The financing services subsystem is used to provide financing services for platform user, including B2B module, crowd raise module and bank connects Mouthful.
  2. The cloud platform 2. a kind of rare metal B2B2C electronization as described in claim 1 is financed, it is characterised in that: the project Auditing module includes: project typing submodule, project authentic assessment submodule, project Assessment of Policy submodule, project appraisal Submodule and project processing module;
    The project typing submodule is used for platform user to this platform typing project information;And format rule are carried out to typing information Plasticity inspection is waited and being assessed in next step;
    The project authentic assessment submodule is used for authenticity, accuracy, integrality and the reasonability of evaluation item;
    Whether the project Assessment of Policy submodule meets current industrial policy and regulation for evaluation item;
    The project appraisal submodule is used to compare the comprehensive score of similar projects in this platform, to obtain this item purpose value ginseng Examine level;
    The project processing module, for providing the processing conclusion of project, into next step process;The processing conclusion is " logical Cross ", " not passing through ", " return and modify " or " preferential ".
  3. The cloud platform 3. a kind of rare metal B2B2C electronization as described in claim 1 is financed, it is characterised in that: the investment Protocol module includes: agreement audit submodule, agreement encryption submodule and Electronic Signature verifying submodule;
    The agreement audit submodule is for auditing the format and important document of agreement;
    The agreement encryption submodule is for encrypting agreement, with only visible for agreement both sides;
    The Electronic Signature verifying submodule audits the electronic identity of agreement both sides.
  4. The cloud platform 4. a kind of rare metal B2B2C electronization as described in claim 1 is financed, it is characterised in that: the risk Management module includes: risk indicator selection submodule, index weights setting submodule, submodule is assessed in risk individual event, risk is commented Estimate suggestion submodule and similar projects risk comparer module;
    The risk indicator selection submodule is used for the risk individual event to be evaluated according to items selection;
    The index weights setting submodule is for adjusting weight of the risk individual event in evaluation;
    The risk individual event assessment submodule is for providing quantization score to risk individual event;
    The risk assessment suggests that submodule is used for the quantization score and its weight according to risk individual event, obtains risk score;
    The similar projects risk comparer module is used to compare the risk score of similar projects in this platform, to obtain this project Risk reference levels.
  5. The cloud platform 5. a kind of rare metal B2B2C electronization as described in claim 1 is financed, it is characterised in that: the B2B mould Block is financed for platform user to mechanism, including product financing module and Supply chain financing module;
    The product financing module is used to provide staple commodities for user and carries out the financing platform for being changed loan with goods, and debtor and creditor is passed through Product, interest rate, the life of loan information pairing, help enterprise obtain financing services, and give risk control range to supplier, The financing behavior of dealer and bank exercises supervision;
    The Supply chain financing module is used to provide the upstream and downstream firms mechanism, bank, assets intermediary of complete supply chain for user, Financing can be provided to the big data risk control modeling next including credit risk, flow risk and operational risk to become Amount reference, and the enterprise institution and Transaction Information of supply chain are mutually authenticated.
  6. The cloud platform 6. a kind of rare metal B2B2C electronization as described in claim 1 is financed, it is characterised in that: the crowd raises Module is financed for platform user to individual, including crowd raises audit submodule, crowd raises publication submodule, crowd raises supervision submodule Block and crowd raise accounting submodule;
    The crowd raises audit submodule and is used to carry out crowd's project of raising specification audit, and rule project is closed in approval;
    The crowd raises publication submodule and is used to carry out crowd's project of raising of approval publication displaying, starts crowd and raises process;
    The crowd raises legal risk during supervision submodule is used to raise crowd, crowd raises the operational risk of mode, crowd raises mode Technical risk and crowd raise behavior and fund is supervised, and handle the behavior for not meeting platform specification;
    The crowd raises crowd raise process of the accounting submodule for completion and calculates, and carries out cost effectiveness analysis and Financing efficiency Assessment.
  7. The cloud platform 7. a kind of rare metal B2B2C electronization as described in claim 1 is financed, it is characterised in that: the bank Interface, for being docked with banking system;It uses the internet bank docking system and method for industry universal.
CN201910583769.3A 2019-07-01 2019-07-01 A kind of rare metal B2B2C electronization financing cloud platform Pending CN110298634A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111798102A (en) * 2020-06-11 2020-10-20 中国建设银行股份有限公司 Data supervision method, system, computer equipment and readable storage medium

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CN103810794A (en) * 2014-03-18 2014-05-21 上海汉得信息技术股份有限公司 Small and medium-sized enterprise supply chain financial platform on basis of could computing
US20160048935A1 (en) * 2012-11-13 2016-02-18 Create Inc. Comprehensive quantitative and qualitative model for a real estate development project
CN107886207A (en) * 2016-09-28 2018-04-06 陈艮珍 A kind of business finance monitoring system and its monitoring method

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Publication number Priority date Publication date Assignee Title
US20160048935A1 (en) * 2012-11-13 2016-02-18 Create Inc. Comprehensive quantitative and qualitative model for a real estate development project
CN103810794A (en) * 2014-03-18 2014-05-21 上海汉得信息技术股份有限公司 Small and medium-sized enterprise supply chain financial platform on basis of could computing
CN107886207A (en) * 2016-09-28 2018-04-06 陈艮珍 A kind of business finance monitoring system and its monitoring method

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CN111798102A (en) * 2020-06-11 2020-10-20 中国建设银行股份有限公司 Data supervision method, system, computer equipment and readable storage medium

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