CN110807701A - Supply chain financial floating pledge management system and method - Google Patents
Supply chain financial floating pledge management system and method Download PDFInfo
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- CN110807701A CN110807701A CN201911073070.9A CN201911073070A CN110807701A CN 110807701 A CN110807701 A CN 110807701A CN 201911073070 A CN201911073070 A CN 201911073070A CN 110807701 A CN110807701 A CN 110807701A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
- G06Q10/087—Inventory or stock management, e.g. order filling, procurement or balancing against orders
- G06Q10/0875—Itemisation or classification of parts, supplies or services, e.g. bill of materials
Abstract
The embodiment of the application discloses a supply chain financial floating pledge management system.A user sends a commodity collection request to a credit management system based on a client, and the commodity collection request carries commodity details of collection; after the loan management system audits the commodity collection request, determining the guaranteed amount of the user; a user submits a guarantee amount based on a client and uploads a flow order to a credit management system; after the credit management system checks and cancels the guarantee amount of the user and collects the money, the money is paid to the supplier by the collection amount provided by the payer; after the procured commodities arrive at port, the loan management system sends a pledge marking instruction to the warehouse management system, and the pledge marking instruction is used for enabling the warehouse management system to mark pledges of commodities for procurement, so that the technical problems of complex approval process and low dynamic flexibility of the system are solved.
Description
Technical Field
The application relates to the technical field of supply chains, in particular to a supply chain financial floating pledge management system and a supply chain financial floating pledge management method.
Background
At present, the economic development of China enters a kinetic energy conversion period, the economic speed increase is slow, and the market demand is insufficient. Supply chain finance is an effective means for effectively solving the problems of difficult financing, expensive financing and the like of small and medium-sized enterprises, helping core enterprises and financial institutions to develop markets, realizing differentiated competition, improving capital efficiency and reducing risks, and is a requirement for industrial transformation and upgrading. Meanwhile, in the internet mode, the great improvement of the supply chain financial service efficiency needs to be realized by depending on the application innovation of financial technology.
The supply chain financial information system is established to realize the functions of real-time information transmission, reduction of human intervention, early warning and the like, and reduce the supervision cost and risk of a sponsor.
In the popular supply chain financial business, more focus is on controlling the risk on controlling the fund, namely, supervising the refund by setting up a supervising account. The security article is also mostly realized by various bills and tickets in the aspect of supervision. The existing supply chain financial system is seemingly provided with a physical pledge, has very low risk, but also has many risk points such as counterfeit warehouse notes, counterfeit goods, repeated pledges, inaccurate goods pledge price, lagging information and the like, so that the technical problems of complex approval process and low dynamic flexibility of the system are caused.
Disclosure of Invention
The embodiment of the application provides a supply chain financial floating pledge management system and a method, which solve the technical problems that the existing supply chain financial system is seemingly provided with a physical pledge and has very low risk, but has many risk points such as a bill counterfeit, a goods counterfeit, a repeated pledge, inaccurate goods pledge price, lagging information and the like, and the caused approval process is complex, and the dynamic flexibility of the system is lower.
In view of the above, the present application provides, in a first aspect, a supply chain financial floating pledge management system, the system including:
the system comprises a client, a credit management system and a warehouse management system;
a user sends a commodity collection request to the credit management system based on the client, wherein the commodity collection request carries commodity details of collection;
after the commodity collection agency request is checked by the credit management system, the guaranteed amount of the user is determined;
the user submits the guarantee amount based on the client and uploads a flow order to the credit management system;
after the credit management system checks and cancels the guarantee amount of the user and collects the money, the money is paid to a supplier by the collection amount provided by the payer;
after the procured commodities arrive at port, the loan management system sends a pledge marking instruction to the warehouse management system, and the pledge marking instruction is used for enabling the warehouse management system to mark pledges of commodities.
Optionally, the method further includes:
the user sends a first commodity ex-warehouse request to the warehouse management system based on the client, wherein the first commodity ex-warehouse request carries ex-warehouse commodity information;
if the user commodity has a pledge mark, the warehouse management system sends a second commodity ex-warehouse request to the loan management system;
the loan management system calculates the real-time escort goods value and the ex-warehouse goods value of the user according to the real-time escort inventory information of the user, the ex-warehouse goods information and the escort value information returned by the escort value evaluation system;
and if the real-time escorting goods value of the user minus the goods value of the goods delivered from the warehouse of the user is higher than the preset risk exposure of the user, the management system in credit delivers the second goods delivery request and returns a delivery instruction to the warehouse management system, otherwise, the second goods delivery request is rejected.
Optionally, a pre-credit evaluation system is further included;
and the pre-credit evaluation system determines the financing amount of the user according to the operation condition and the credit information of the user.
Optionally, after the credit management system sends the pledge marking instruction to the warehouse management system, the method further includes:
and the credit management system determines the available financing amount of the user according to the financing amount of the user and the commission amount sent by the pre-credit evaluation system.
Optionally, the method further includes:
the user sends a repayment request to the credit management system based on the client;
the credit management system generates a pre-settlement order and returns the pre-settlement order to the client;
the user submits a pre-settlement amount according to the pre-settlement bill based on the client and uploads a running bill to the credit management system;
and the credit management system checks the pre-settlement amount of the user and releases the available financing amount of the user according to the pre-settlement amount.
Optionally, after the credit management system checks the pre-calculated amount of the user, the method further includes:
and the credit management system updates the available financing amount of the user according to the pre-calculated amount of the user.
Optionally, after the credit management system checks the pre-calculated amount of the user, the method further includes:
and if the updated available financing amount of the user is equal to the financing amount of the user, the credit management system sends a pledge canceling instruction to the warehouse management system, wherein the pledge canceling instruction is used for enabling the warehouse management system to cancel pledge marks of pledges of the user.
A second aspect of the present application provides a supply chain financial floating pledge management method, the method comprising:
receiving a commodity collection request sent by a user based on a client, wherein the commodity collection request carries commodity details of collection;
after the commodity collection request is audited, determining the guaranteed amount of the user;
receiving a flow order uploaded by a user based on the client;
after the guaranteed amount of the user is checked and sold, the money is paid to a supplier according to the collection amount provided by the payer;
and after the collected commodities arrive at the port, sending a pledge marking instruction to a warehouse management system, wherein the pledge marking instruction is used for enabling the warehouse management system to mark pledges of the commodities.
Optionally, the method further includes:
receiving a second commodity ex-warehouse request sent by the warehouse management system;
calculating the real-time escorting goods value and the ex-warehouse goods value of the user according to the real-time escorting inventory information of the user, the ex-warehouse goods information and the escorting value information returned by the escorting value evaluation system;
and if the real-time escorting goods value of the user minus the goods value of the goods delivered from the warehouse of the user is higher than the preset risk exposure of the user, returning a delivery instruction to the warehouse management system through the second goods delivery request, and otherwise, rejecting the second goods delivery request.
Optionally, the method further includes:
receiving a repayment request sent by the user based on a client;
generating a pre-settlement list and returning the pre-settlement list to the client;
receiving a flow list sent by the user based on a client;
and checking and canceling the pre-settlement amount of the user, and releasing the available financing amount of the user according to the pre-settlement amount.
According to the technical scheme, the embodiment of the application has the following advantages:
in the embodiment of the application, a supply chain financial floating pledge management system is provided, a user directly sends a commodity collection request to a loan management system, after a certain deposit is submitted, a lender provides collection amount and is purchased by a supplier, after the collection amount is put into a warehouse, a pledge mark is added to the collection commodity of the user, the process of paying money to the user by the system is omitted, the user directly distributes the collection amount and puts into the warehouse by the supplier, the physical pledge is ensured, the existing supply chain financial system is solved, the physical pledge is seemingly seen, the risk is very low, but various risk points such as warehouse slip counterfeiting, goods counterfeiting, repeated pledge, inaccurate goods pledge price, information lag and the like exist, the approval process is complex, and the dynamic flexibility of the system is low.
Drawings
FIG. 1 is a block diagram of a system architecture of a supply chain financial floating pledge management system according to an embodiment of the present disclosure;
FIG. 2 is a first flowchart of a supply chain financial floating pledge management system in an embodiment of the present application;
FIG. 3 is a second flowchart of a supply chain financial floating pledge management system in an embodiment of the present application;
FIG. 4 is a third flowchart of a system for providing chain financial floating pledge management in accordance with an embodiment of the present application;
FIG. 5 is a fourth flowchart of a supply chain financial floating pledge management system in an embodiment of the present application;
FIG. 6 is a fifth flowchart of a system for providing chain financial floating pledge management in an embodiment of the present application;
FIG. 7 is a sixth flowchart of a system for supply chain financial floating pledge management in an embodiment of the present application;
FIG. 8 is a first flowchart of a method for providing chain financial floating pledge management in an embodiment of the present application;
FIG. 9 is a second flowchart of a method for providing chain financial floating pledge management in accordance with an embodiment of the present application;
FIG. 10 is a third flowchart of a method for providing chain financial floating pledge management in accordance with an embodiment of the present application;
wherein the reference numerals are:
01. a client; 02. a loan management system; 03. a warehouse management system; 04. an escort value evaluation system; 05. a pre-credit evaluation system.
Detailed Description
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be understood that the present application is applied to a supply chain financial floating pledge management system, please refer to fig. 1, fig. 1 is a system architecture diagram of a supply chain financial floating pledge management system in an embodiment of the present application, as shown in fig. 1, fig. 1 includes a client 01, a loan management system 02 and a warehouse management system 03
The client 01 is connected with a credit management system 02 and a warehouse management system 03 respectively;
the loan management system 02 is connected to the warehouse management system 03.
The application designs a supply chain financial floating pledge management system and a method, which solve the technical problems that the prior supply chain financial system is seemingly accompanied by physical pledge and has very low risk, but has many risk points such as bill counterfeiting, goods counterfeiting, repeated pledge, inaccurate goods pledge price, lagging information and the like, resulting in complex approval process and low dynamic flexibility of the system.
For easy understanding, please refer to fig. 2, fig. 2 is a first flowchart of a supply chain financial floating pledge management system according to an embodiment of the present application, and as shown in fig. 2, the first flowchart specifically includes:
a user sends a commodity collection request to the credit management system 02 based on a client 01, wherein the commodity collection request carries commodity details of collection;
after the loan management system 02 audits the commodity collection request, the guaranteed amount of the user is determined;
the user submits the guaranteed amount based on the client 01 and uploads the flow order to the credit management system 02;
after the loan management system 02 checks and cancels the guarantee amount of the user and collects the money, the fund collection amount provided by the payer is made to the supplier;
after the procured goods arrive at port, the administrative system 02 sends a pledge marking instruction to the warehouse management system 03, and the pledge marking instruction is used for enabling the warehouse management system 03 to mark pledges for the goods.
In the embodiment of the application, a supply chain financial floating pledge management system is provided, a user directly sends a commodity collection request to a loan management system, after a certain deposit is submitted, a lender provides collection amount and is purchased by a supplier, after the collection amount is put into a warehouse, a pledge mark is added to the collection commodity of the user, the process of paying money to the user by the system is omitted, the user directly distributes the collection amount and puts into the warehouse by the supplier, the physical pledge is ensured, the existing supply chain financial system is solved, the physical pledge is seemingly seen, the risk is very low, but various risk points such as warehouse slip counterfeiting, goods counterfeiting, repeated pledge, inaccurate goods pledge price, information lag and the like exist, the approval process is complex, and the dynamic flexibility of the system is low.
Referring to fig. 3, fig. 3 is a second flowchart of a supply chain financial floating pledge management system according to an embodiment of the present application, as shown in fig. 3, specifically:
a user sends a first commodity ex-warehouse request to the warehouse management system 03 based on the client 01, wherein the first commodity ex-warehouse request carries ex-warehouse commodity information;
if the user's goods have the pledge mark, the warehouse management system 03 sends a second goods ex-warehouse request to the loan management system 02;
the loan management system 02 calculates the real-time escorting goods value and the ex-warehouse goods value of the user according to the real-time escorting inventory information, the ex-warehouse goods information of the user and the escorting value information returned by the escorting value evaluation system 04;
if the real-time escort goods value of the user minus the goods value of the goods delivered from the warehouse of the user is higher than the preset risk exposure of the user, the loan management system 02 sends a delivery instruction to the warehouse management system 03 through a second goods delivery request, otherwise, the second goods delivery request is rejected.
It should be noted that, when a user needs to carry out commodity ex-warehouse, a first commodity ex-warehouse request is first sent to the warehouse management system 03, and the first commodity ex-warehouse request carries information of the commodity ex-warehouse. After receiving the first goods warehouse-out request, the warehouse management system 03 first determines whether the goods of the user has a pledge mark, and if the user is in a stock pledge state, the warehouse management system 03 sends a second goods warehouse-out request to the loan management system 02. The loan management system 02 determines whether the commodity ex-warehouse behavior of the user triggers risks by calculating the real-time escort value and the ex-warehouse commodity value of the user and comparing the real-time escort value and the ex-warehouse commodity value with the preset risk exposure of the user, and allows ex-warehouse if no risk exists, otherwise refuses ex-warehouse.
Referring to fig. 4, fig. 4 is a third flowchart of a supply chain financial floating pledge management system according to the embodiment of the present application, based on the embodiment shown in fig. 3, as shown in fig. 4, specifically: the system further comprises a pre-credit evaluation system 05;
the pre-loan assessment system 05 determines the financing amount of the user according to the operation condition and the credit information of the user;
after the loan management system 02 sends the pledge marking instruction to the warehouse management system 03, the method further includes:
the credit management system 02 determines the available financing amount of the user according to the financing amount of the user and the collection amount sent by the pre-credit evaluation system 05.
It should be noted that, after the user enters the system, the pre-loan assessment system 05 determines the financing amount of the user according to the operation condition of the user and the credit information, and after the user applies for financing, the loan management system 02 confirms the remaining available financing amount of the user according to the financing amount and the commission amount.
Referring to fig. 5, fig. 5 is a fourth flowchart illustrating a supply chain financial floating pledge management system according to an embodiment of the present application, as shown in fig. 5, specifically:
the user sends a repayment request to the credit management system 02 based on the client 01;
the credit management system 02 generates a pre-settlement order and returns the pre-settlement order to the client 01;
the user submits the pre-settlement amount according to the pre-settlement bill based on the client 01 and uploads the flow bill to the credit management system 02;
the credit management system 02 checks the user's pre-calculated amount and releases the user's available financing amount based on the pre-calculated amount.
It should be noted that, when the user needs to pay to recall the available financing amount, the user sends a payment request to the credit management system 02, and the credit management system 02 accounts the payment amount of the user and releases the available financing amount of the user.
Referring to fig. 6, fig. 6 is a fifth flowchart illustrating a supply chain financial floating pledge management system according to the embodiment of the present application, based on the embodiment shown in fig. 5, as shown in fig. 6, specifically:
after the credit management system 02 checks the pre-calculated amount of the user, the method further includes:
the loan management system 02 updates the user's available financing amounts based on the user's pre-calculated amount.
It should be noted that, after the pre-settlement amount of the user is checked out by the credit management system 02, the available financing amount of the user is updated according to the pre-settlement amount of the user.
Referring to fig. 7, fig. 7 is a sixth flowchart of a system for managing a supply chain financial floating pledge according to the embodiment of the present application, and based on the embodiment shown in fig. 6 of the present application, as shown in fig. 7, specifically, the sixth flowchart is as follows:
after the credit management system 02 checks the pre-calculated amount of the user, the method further includes:
if the updated available financing amount of the user is equal to the financing amount of the user, the credit management system 02 sends a pledge canceling instruction to the warehouse management system 03, and the pledge canceling instruction is used for enabling the warehouse management system 03 to cancel pledge marks of pledges of the user.
After the user has paid the financing amount, the loan management system 02 sends a pledge cancellation instruction to the warehouse management system 03 to cancel a pledge mark of the pledge of the user.
Referring to fig. 8, fig. 8 is a first flowchart of a supply chain financial floating pledge management method according to an embodiment of the present application, as shown in fig. 8, specifically:
801. receiving a commodity collection request sent by a user based on a client 01, wherein the commodity collection request carries commodity details of collection;
802. after the commodity collection request is audited, the guarantee amount of the user is determined;
803. receiving a flow order uploaded by a user based on a client 01;
804. after the guaranteed amount of the verified and sold user is collected, the money is paid to the supplier according to the amount of the collection money provided by the payer;
805. and after the collected commodities arrive at the port, sending a pledge marking instruction to the warehouse management system 03, wherein the pledge marking instruction is used for enabling the warehouse management system 03 to mark pledges of commodities.
Referring to fig. 9, fig. 9 is a second flowchart illustrating a supply chain financial floating pledge management method according to an embodiment of the present application, as shown in fig. 9, which specifically includes:
901. receiving a second commodity ex-warehouse request sent by the warehouse management system 03;
902. calculating the real-time escorting goods value and the ex-warehouse goods value of the user according to the real-time escorting inventory information, the ex-warehouse goods information of the user and the escorting value information returned by the escorting value evaluation system 04;
903. and if the real-time escort commodity value of the user minus the delivery commodity value of the user is higher than the preset risk exposure of the user, returning a delivery instruction to the warehouse management system 03 through a second commodity delivery request, and otherwise rejecting the second commodity delivery request.
Referring to fig. 10, fig. 10 is a third flowchart illustrating a method for managing a supply chain financial floating pledge according to an embodiment of the present invention, as shown in fig. 10, specifically:
1001. receiving a repayment request sent by a user based on a client 01;
1002. generating a pre-settlement list and returning the pre-settlement list to the client 01;
1003. receiving a flow list sent by a user based on a client 01;
1004. and checking and canceling the pre-calculated amount of the user, and releasing the available financing amount of the user according to the pre-calculated amount.
It can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working process of the method described above may refer to the corresponding process in the foregoing system embodiment, and is not described herein again.
The terms "first," "second," "third," "fourth," and the like in the description of the application and the above-described figures, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the application described herein are, for example, capable of operation in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be understood that in the present application, "at least one" means one or more, "a plurality" means two or more. "and/or" for describing an association relationship of associated objects, indicating that there may be three relationships, e.g., "a and/or B" may indicate: only A, only B and both A and B are present, wherein A and B may be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of single item(s) or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", wherein a, b, c may be single or plural.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions in the embodiments of the present application.
Claims (10)
1. A supply chain financial floating pledge management system, comprising:
the system comprises a client, a credit management system and a warehouse management system;
a user sends a commodity collection request to the credit management system based on the client, wherein the commodity collection request carries commodity details of collection;
after the commodity collection agency request is checked by the credit management system, the guaranteed amount of the user is determined;
the user submits the guarantee amount based on the client and uploads a flow order to the credit management system;
after the credit management system checks and cancels the guarantee amount of the user and collects the money, the money is paid to a supplier by the collection amount provided by the payer;
after the procured commodities arrive at port, the loan management system sends a pledge marking instruction to the warehouse management system, and the pledge marking instruction is used for enabling the warehouse management system to mark pledges of commodities.
2. The supply chain financial floating pledge management system of claim 1, further comprising:
the user sends a first commodity ex-warehouse request to the warehouse management system based on the client, wherein the first commodity ex-warehouse request carries ex-warehouse commodity information;
if the user commodity has a pledge mark, the warehouse management system sends a second commodity ex-warehouse request to the loan management system;
the loan management system calculates the real-time escort goods value and the ex-warehouse goods value of the user according to the real-time escort inventory information of the user, the ex-warehouse goods information and the escort value information returned by the escort value evaluation system;
and if the real-time escorting goods value of the user minus the goods value of the goods delivered from the warehouse of the user is higher than the preset risk exposure of the user, the management system in credit delivers the second goods delivery request and returns a delivery instruction to the warehouse management system, otherwise, the second goods delivery request is rejected.
3. The supply chain financial floating pledge management system of claim 2, further comprising a pre-loan assessment system;
and the pre-credit evaluation system determines the financing amount of the user according to the operation condition and the credit information of the user.
4. The system as claimed in claim 3, wherein the system further comprises after sending the pledge marking instruction to the warehouse management system:
and the credit management system determines the available financing amount of the user according to the financing amount of the user and the commission amount sent by the pre-credit evaluation system.
5. The supply chain financial floating pledget management system of claim 4, further comprising:
the user sends a repayment request to the credit management system based on the client;
the credit management system generates a pre-settlement order and returns the pre-settlement order to the client;
the user submits a pre-settlement amount according to the pre-settlement bill based on the client and uploads a running bill to the credit management system;
and the credit management system checks the pre-settlement amount of the user and releases the available financing amount of the user according to the pre-settlement amount.
6. The supply chain financial floating pledge management system of claim 5, wherein the credit management system, after verifying the user's pre-calculated amount, further comprises:
and the credit management system updates the available financing amount of the user according to the pre-calculated amount of the user.
7. The supply chain financial floating pledge management system of claim 6, wherein the credit management system, after verifying the user's pre-calculated amount, further comprises:
and if the updated available financing amount of the user is equal to the financing amount of the user, the credit management system sends a pledge canceling instruction to the warehouse management system, wherein the pledge canceling instruction is used for enabling the warehouse management system to cancel pledge marks of pledges of the user.
8. A method for managing a supply chain financial floating pledge, comprising:
receiving a commodity collection request sent by a user based on a client, wherein the commodity collection request carries commodity details of collection;
after the commodity collection request is audited, determining the guaranteed amount of the user;
receiving a flow order uploaded by a user based on the client;
after the guaranteed amount of the user is checked and sold, the money is paid to a supplier according to the collection amount provided by the payer;
and after the collected commodities arrive at the port, sending a pledge marking instruction to a warehouse management system, wherein the pledge marking instruction is used for enabling the warehouse management system to mark pledges of the commodities.
9. The supply chain financial floating pledge management method of claim 8, further comprising:
receiving a second commodity ex-warehouse request sent by the warehouse management system;
calculating the real-time escorting goods value and the ex-warehouse goods value of the user according to the real-time escorting inventory information of the user, the ex-warehouse goods information and the escorting value information returned by the escorting value evaluation system;
and if the real-time escorting goods value of the user minus the goods value of the goods delivered from the warehouse of the user is higher than the preset risk exposure of the user, returning a delivery instruction to the warehouse management system through the second goods delivery request, and otherwise, rejecting the second goods delivery request.
10. The supply chain financial floating pledge management method of claim 9, further comprising:
receiving a repayment request sent by the user based on a client;
generating a pre-settlement list and returning the pre-settlement list to the client;
receiving a flow list sent by the user based on a client;
and checking and canceling the pre-settlement amount of the user, and releasing the available financing amount of the user according to the pre-settlement amount.
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| CN201911073070.9A CN110807701A (en) | 2019-11-05 | 2019-11-05 | Supply chain financial floating pledge management system and method |
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| Publication number | Priority date | Publication date | Assignee | Title |
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