CN110889758B - Method and system for constructing credited flow system - Google Patents
Method and system for constructing credited flow system Download PDFInfo
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- CN110889758B CN110889758B CN201911120884.3A CN201911120884A CN110889758B CN 110889758 B CN110889758 B CN 110889758B CN 201911120884 A CN201911120884 A CN 201911120884A CN 110889758 B CN110889758 B CN 110889758B
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Abstract
The invention discloses a method and a system for constructing a bond and right circulation system, wherein the method comprises the following steps: presetting a plurality of stream rotatorsI, obtaining a circulation system label set N (i), and combining the circulation system label set N (i) with a preset accounts receivable label set N (u) to obtain accounts receivable u and a circulation system i shared label N (u, i); acquiring a current accounts receivable u, and constructing a multi-position integrated creditor circulation system P between the current accounts receivable u and a preset circulation system i according to the common label N (u, i) ui The method comprises the steps of carrying out a first treatment on the surface of the According to the creditor circulation system P ui The corresponding circulation mode circulates the certificates (contracts); in the circulation of certificates (contracts), multiparty bodies form virtuous circles in a business system, and the resolution of the disc activities and debt risks of various credited rights is realized.
Description
Technical Field
The invention relates to the technical field of liability risk resolution, in particular to a construction method and a construction system of a liability circulation system.
Background
The account receivable and crediting transfer business has positive effects on the fields of accounts receivable and deposit assets of various types of economic bodies, particularly entity economic bodies, poor liability of the resolution government national enterprise, poor liability of resolution banking and small loan companies, poor liability of resolution financing security company, multiple resolution contradiction disputes, difficult execution of case of the resolution people court, and the like, and the development of the business needs multi-business body to play a linkage role, but in various application practices, various mediation organizations, mediation institutions, non-financial asset management companies, banks, small loan companies, security companies, financing security companies, insurance companies, industry chain core faucet enterprises and other key business participants are difficult to coordinate, slow in project landing, so that the business is difficult to quickly transform and apply.
Disclosure of Invention
Based on the technical problems in the background technology, the invention provides a construction method and a construction system of a bond circulation system, wherein in the circulation of certificates (contracts), multiparty subjects form virtuous circle in a business system, and the resolution of the activities and the liability risks of various bonds is realized.
The invention provides a construction method of a bond circulation system, which comprises the following steps:
presetting a plurality of circulation systems i to obtain circulation system label sets N (i), and combining the circulation system label sets N (i) with preset accounts receivable label sets N (u) to obtain accounts receivable u and common labels N (u, i) of the circulation systems i;
acquiring a current accounts receivable u, and constructing a multi-position integrated creditor circulation system P between the current accounts receivable u and a preset circulation system i according to the common label N (u, i) ui ；
Voucher (contract) passing through creditor circulation system P ui Circulation is performed.
Further, the method constructs a multi-position integrated creditor circulation system P between the current receivables u and the preset circulation system i ui Comprising:
acquiring the current receivables u, and setting the association degree W of the current receivables u and the labels k uk Setting the association degree R of the label k and the circulation system i ki The label k belongs to the common label N (u, i), and the association degree R ki Is the association degree of the label k and the circulation system i;
according to the degree of association R ki And degree of association W uk Obtaining a creditor circulation system P ui Correlation degree R ki Is the association of label k with the stream system i.
Further, the right circulation system P ui The calculation formula of (2) is as follows:
wherein N (u, i) is accounts receivableLabel shared by money u and circulation system i, W uk Is the association degree of the receivables u and the labels k, R ki Is the association of label k with the stream system i.
Further, the system P is based on the credit-right circulation ui The corresponding circulation mode circulates the certificates (contracts), and comprises the following steps:
obtaining a certificate (contract) corresponding to the current accounts receivable u according to the acquired current accounts receivable u;
the calculated creditor circulation system P ui Matching with the credited flow system table to obtain a credited flow system P ui A corresponding circulation mode;
according to the creditor circulation system P ui The corresponding circulation mode circulates the certificates (contracts).
Further, the bank provides a guarantee for the transfer of the vouchers (contracts).
The system comprises a preset module, a construction module and a circulation module;
the preset module is used for presetting a plurality of circulation systems i to obtain circulation system label sets N (i), and combining the circulation system label sets N (i) with preset accounts receivable label sets N (u) to obtain accounts receivable u and circulation system i sharing labels N (u, i);
the construction module is used for acquiring the current accounts receivable u and constructing a multi-position integrated creditor circulation system P between the current accounts receivable u and a preset circulation system i according to the common labels N (u, i) ui ；
The circulation module is used for the vouchers (contracts) to pass through the creditor circulation system P ui Circulation is performed.
Further, the construction module comprises a relevance unit and a circulation system unit;
the association degree unit is used for acquiring the current receivables u and setting association degree W of the current receivables u and the labels k uk Setting the association degree R of the label k and the circulation system i ki The label k belongs to the common label N (u, i), and the association degree R ki Is the association degree of the label k and the circulation system i;
the circulation system unit is used for according to the association degree R ki And degree of association W uk Obtaining a creditor circulation system P ui Correlation degree R ki Is the association of label k with the stream system i.
Further, the right circulation system P ui The calculation formula of (2) is as follows:
wherein N (u, i) is a label shared by the receivables u and the circulation system i, W uk Is the association degree of the receivables u and the labels k, R ki Is the association of label k with the stream system i.
A computer readable storage medium having stored thereon a number of acquisition classification programs for invocation by a processor and performing the steps of:
presetting a plurality of circulation systems i to obtain a circulation system label set N (i), and combining the circulation system label set N (i) with a preset accounts receivable label set N (u) to obtain accounts receivable u and a circulation system i shared label N (u, i);
acquiring a current accounts receivable u, and constructing a multi-position integrated creditor circulation system P between the current accounts receivable u and a preset circulation system i according to the common label N (u, i) ui ；
Voucher (contract) passing through creditor circulation system P ui Circulation is performed.
The construction method and the system of the credited right circulation system provided by the invention have the advantages that: the invention provides a method and a system for constructing a credited flow system, wherein the credited flow system P ui On one hand, the construction of the method reduces the circulation period of the certificates, can timely recycle funds, and on the other hand, provides a relatively stable circulation space for the certificate circulation, thereby improving the circulation profitability of the certificates (contracts); the virtuous circle in the business system is formed by the multi-position integrated account-receivable and bond-authority circulation system, so that the resolution of the financing and guaranteeing company and the resolution of poor loans of banks and the resolution of national enterprise bonds of local city cast companies and the like are realized, and the account-receivable and bond-authority circulation system promotes the paymentThe healthful development of the receipts, creditives and business markets enhances the ability of small and medium-sized enterprises and service entity economies in service.
Drawings
FIG. 1 is a schematic flow chart of steps of a method for constructing a credit-right circulation system according to the present invention;
FIG. 2 is a schematic diagram of a multi-piece accounts receivable and creditor flow architecture;
FIG. 3 is an example schematic diagram of credential (contract) transfer pattern computation;
FIG. 4 is a flow chart of a system for building a bond flow architecture;
the system comprises a 100-preset module, a 200-construction module, a 201-association degree unit, a 202-circulation system unit and a 300-circulation module.
Detailed Description
In the following detailed description of the present invention, numerous specific details are set forth in order to provide a thorough understanding of the present invention. The invention may be embodied in many other forms than described herein and similarly modified by those skilled in the art without departing from the spirit or scope of the invention, which is therefore not limited to the specific embodiments disclosed below.
It should be noted that, wherein:
1. account receivable and creditor transfer service: the method is characterized in that various economic principals with accounts receivable are checked and confirmed by an account receivable and debt right management service mechanism, various assets or equity credit mortgages with right of share in law are used for guaranteeing through a certain proportion of guarantee money, and institutions such as banks, insurance, financial asset management companies, non-financial asset management companies, financing assurance companies, small loan companies and the like participate in credit augmentation, static accounts receivable among various economic principals are converted into movable accounts receivable recorded by right vouchers, and the business of credit disc activity and debt resolution is realized through various modes such as transfer, financing, thawing, debt (sales), transaction, mortgage and the like. The creditor certificate holder not only can financing and transfer the money, but also can transfer the reimbursement (marketing) in various modes such as partial transfer, goods melting, reimbursement (marketing) and the like by splitting, thereby avoiding the problem of completely needing the financing to solve the problem, not newly increasing the liabilities, not forming the hidden liabilities of the liabilities, helping to solve the difficult problems of difficult financing, expensive financing and the like of downstream residents and small and medium-sized micro enterprises, meeting the latest policy requirements of party centers, national institutes and related committees and the spirit of related documents, and having important significance for strictly controlling the increment of liabilities, serving entity economy, preventing and controlling financial risks, deepening financial reform and promoting economic stable and healthy development. The accounts receivable and creditor circulation business is only a collective term of the business, and various business forms can be adopted in practical application, including but not limited to accounts receivable and creditor credential (contract) circulation business, a supply chain financial service platform and the like.
2. The account receivable and creditor management service mechanism: the system is a third party service mechanism which is composed of a receivables right management company or a national institute, an arbitration committee, a legal consultation, a people mediation and other various mediation organizations and is used for checking the authenticity, relevance and legality of receivables and corresponding to the rights obligations of receivables, of the receivables right circulation service applicant, providing the services of issuing right vouchers, registering, publicity and the like for the qualified applicant, and providing the services of credit augmentation, mortgage registration, transaction, financing, repayment, fund management and the like for the receivables right circulation through various mediation organizations such as local government or national authorities and the like.
3. Credited vouchers: the account receivable and debt right management service mechanism is paper or electronic evidence for recording the debt right and debt information in the abstract which is checked and confirmed according to the application of the account receivable and debt right circulation service applicant. The creditor certificate is a certificate of a standard format for carrying the relationship of the creditor and debt, not the securities, and can have various forms in practical application, including but not limited to accounts receivable creditor certificates (contracts), etc.
Referring to fig. 1 to 4, the method for constructing a right-of-liability circulation system according to the present invention is characterized by comprising:
s100: presetting a plurality of circulation systems i to obtain a circulation system label set N (i), and combining the circulation system label set N (i) with a preset accounts receivable label set N (u) to obtain accounts receivable u and a circulation system i shared label N (u, i);
s200: acquiring a current accounts receivable u, and constructing a multi-position integrated creditor circulation system P between the current accounts receivable u and a preset circulation system i according to the common label N (u, i) ui ；
Obtaining the current accounts receivable u, namely obtaining basic data of a chemical debt demand service, wherein the basic data is obtained by obtaining debt resolution demands of all places, and the debt resolution demands comprise: the method comprises the steps of resolving engineering stock debts of local government and national enterprises, resolving outstanding engineering projects of local government and national enterprises, resolving financial debts such as local government and national enterprise bank loans, depositing property inventory in civil and small and medium-sized micro enterprises, guaranteeing compensation inventory in financing guarantee companies, resolving bad loans of banks, resolving bad resolution of small loans, diversifying contradiction disputes, resolving 'execution difficulty', and the like.
S300: voucher (contract) passing through creditor circulation system P ui Circulation is performed.
According to the creditor circulation system P ui The corresponding circulation mode circulates the certificates (contracts).
Providing steps S100 to S300, obtaining one or more credited flow systems P for the flow vouchers (contracts) ui The method comprises the steps of carrying out a first treatment on the surface of the When the system is a creditor circulation system, the circulation system circulates the certificates (contracts); when the account receivability attribute is a plurality of the right circulation systems, the right circulation system which is suitable for current circulation can be obtained by collecting data of each dimension such as the accounts receivability attribute, the right person attribute, the debtor attribute, the guarantor attribute, circulation information and the like, and further corresponding to the description of the account receivability characteristic attribute. The construction of the transfer system reduces the transfer period of the certificates, can timely recycle funds, provides a stable transfer space for the certificate transfer, and improves the transfer profitability of the certificates (contracts).
Further, in step S200: constructing a multi-position integrated creditor circulation system P between the current receivables u and a preset circulation system i according to the common labels N (u, i) ui The method comprises the following steps:
s201: acquisition ofSetting the association degree W of the current receivables u and the labels k uk Setting the association degree R of the label k and the circulation system i ki The label k belongs to the common label N (u, i), and the association degree R ki Is the association degree of the label k and the circulation system i;
s202: according to the degree of association R ki And degree of association W uk Obtaining a creditor circulation system P ui Correlation degree R ki Is the association of label k with the stream system i.
The right circulation system P ui The calculation formula of (2) is as follows:
wherein N (u, i) is a label shared by the receivables u and the circulation system i, W uk Is the association degree of the receivables u and the labels k, R ki Is the association of label k with the stream system i.
Degree of association W uk And degree of association R ki Is an association with a tag k, which is defined as follows: receivables u are related to tags k, then W uk Take the value 1, and the receivables u and the tags k are not related, then W uk Take the value 0, (W) uk ) Correlation of receivables u and labels k is based on a multi-digit integrated creditor flow system P in table 1 ui Judging the judgment strategy of (2); r is R ki The association degree of the label k and the circulation system i is preset, and different circulation systems i are directly associated with the label k at the same time; i.e. R ki Is preset.
In steps S201 to S202, the creditor flow system P ui Through the degree of association R ki And degree of association W uk Constructing, namely obtaining a direct creditor circulation system P through a formula ui Is of a size of (a) and (b).
Further, in step S300: the system P is based on the creditor circulation system ui The corresponding circulation mode for circulating the certificates (contracts) comprises the following steps:
s301: obtaining a certificate (contract) corresponding to the current accounts receivable u according to the acquired current accounts receivable u;
s302: according to the calculated creditor circulation system P ui Selecting a corresponding multi-position integrated circulation mode, and circulating the certificate (contract) according to the obtained multi-position integrated circulation mode;
credit flow system P ui The establishment of (2) is to determine which departments in fig. 2 are needed to participate in the current circulation system so as to establish a multi-bit integrated circulation mode; when the 5 departments in fig. 2 are needed to participate, a five-in-one circulation mode is established, when the 3 departments in fig. 2 are needed to participate, a three-in-one circulation mode is established, and the like to establish a circulation mode of a later certificate (contract).
S303: voucher (contract) passing through creditor circulation system P ui Circulation is performed.
In the creditor circulation system P ui When the certificates (contracts) are transferred, the bank provides a guarantee for the transfer of the certificates (contracts) to handle bad loans of the bank, and can provide a guarantee service for corresponding credited certificates, provide a mortgage loan service for a holder and receive the credit (including bad loans) of the holder, so as to ensure the possibility of realizing the certificates (contracts).
As shown in fig. 2 to 4, the multi-digit integrated bond flow system P ui Examples of (2):
tag a: local government and national enterprise engineering stock debt resolution;
tag B: local government and national enterprises have not calculated the engineering money for the survival;
tag C: financial debts such as local government and national enterprise bank loans are solved;
tag D: the enterprise account flow financing of the industrial chain core tap;
tag E: assets are lived in camping and small and medium-sized micro enterprises;
tag G: the financing guaranty company compensates guaranty solution;
tag G: poor loan resolution of banks and small loan companies;
tag H: resolving contradiction and dispute resolving and executing the application in the difficult field.
The tag A, B, C, D, E, F, G, H belongs to a model tag, and a corresponding summary generalized tag is attached to the accounts receivable by parsing the basic data. It needs to define rules, build a model, and calculate the matching degree of corresponding attributes of accounts receivable.
The rule for calculating the association degree between the receivables u and the labels k is as shown in table 1:
TABLE 1
And obtaining the corresponding label through the judging strategy, and further obtaining the association degree of the receivables u and the labels k.
As shown in fig. 2 to 4, taking camping and medium and small micro-enterprise asset inventory as an example, the operation flow is briefly described as follows:
step one: the penmanship's national enterprises are credited with the payor, postpone the payment and provide the guarantee
The civil A enterprise agrees with a national enterprise (such as a non-financial asset management company in a country, hereinafter referred to as a non-gold company), the A enterprise agrees to pay by 100 ten thousand yuan from the non-gold company under the promise of the national enterprise, 3-year bond vouchers (hereinafter referred to as No. 1 vouchers) with annual interest rate of 4.35%, the A enterprise pays the bond transfer price for 3 years, the A enterprise pays by 4.35% of the year, 50% of the guarantee is paid, the interest and the remaining 50% of the open part use the A enterprise to pay the value of the city with the price of not less than 100 ten thousand yuan to guarantee the engineering money of the city (the A enterprise can be guaranteed by the city investment, the A enterprise uses the engineering money as a reverse guarantee), and the financial bond management service organization pays the vouchers promised for the original bond (hereinafter referred to as No. 2 vouchers) by the non-gold enterprise to make a circulation.
Step two: credited evidence issuing
After the enterprise A pays the deposit and realizes the relevant conditions, the account-to-be-received and deposit right management service organization makes a 3-year deposit right certificate (hereinafter referred to as a No. 2 certificate) with 50 ten thousand yuan and 4.35% annual interest rate, which is promised to be purchased back by the non-gold company as an initial deposit right person and promised to be paid due by the enterprise A as a deposit person, and the non-gold company is used for circulation.
Step three: credited voucher circulation
The enterprise A can transfer the 100 ten thousand yuan No. 1 certificates to the enterprise C for paying the money of the enterprise C, and after the enterprise C holds the certificates, the enterprise C can continue to transfer and can also apply for mortgage loans to banks or pay back loan funds.
The non-gold company can transfer the 100 ten thousand yuan No. 2 certificates to B enterprises (national enterprises such as urban casting, civil and medium-small enterprises) for payment, and after the B enterprises hold the certificates, the B enterprises can continue to circulate, and can also apply for mortgage loans to banks or pay back loan funds.
Step four: expiration processing
(1) City throwing payment according to appointment
If the final payer pays 100 ten thousand yuan according to the defined payment engineering money, then: when the crediting certificate expires, the non-gold company pays the final holder (such as enterprise B) of the crediting certificate for 113 ten thousand in total, and the remaining part of the clearing of the engineering money added with the guarantee (100 ten thousand engineering money+50 ten thousand guarantee money-expired innovation 113 ten thousand=37 ten thousand) returns to enterprise a.
(2) Initial creditor A enterprise pay-as-defined
If the final payer's city is not paid before the creditor's certificate expires, then the payment is made by the debtor a corporation promised to make a payment: 50 ten thousand yuan cash +100 ten thousand yuan 4.35% 3 years = 63 ten thousand yuan, add 50 ten thousand yuan of security deposit, total 113 ten thousand yuan pay to the final holder of the creditor certificate.
(3) Non-financial asset management company pay according to agreement
If the final payer pays in city and the debtor A enterprise does not pay according to the contract, the non-gold company purchases back according to the contract, the final holder can negotiate to replace the expired certificate with other unexpired right certificates, and the non-gold company pays for payment in different negotiations: 50 ten thousand yuan cash +100 ten thousand yuan 4.35% 3 years = 63 ten thousand yuan, add 50 ten thousand yuan guarantee, total 113 ten thousand yuan pay to the final holder of the creditor certificate, the non-gold company can entrust the financial asset management company to purchase and deal with according to the agreement according to the situation.
(4) Other processing modes
If other letter increasing measures such as third-party guaranty or insurance are adopted, the corresponding guaranty and insurer perform according to the agreement.
Further, by the above-mentioned creditor circulation system, creditor disc activities and liabilities in various fields can be satisfied, including but not limited to the following ranges:
1. the local government and the national enterprises can solve the engineering stock debt, and the application range is as follows: the local government departments and the affiliated institutions (including affiliated institutions), local national enterprises (including government platform companies) form arrears with camps and small and medium-sized micro enterprises due to business transactions, and arrears among the national enterprises, such as engineering arrears, material purchase and the like, can negotiate to make a repayment plan;
2. the local government and the national enterprises have not calculated the engineering money for the survival, and the application range is as follows: local government departments and affiliated institutions (including affiliated institutions), local national enterprises (including government platform companies) form finished and outstanding engineering money, material purchase money and the like due to engineering project construction of government investment, civil and small and medium-sized micro enterprises;
3. financial debts such as local government and national enterprise bank loans are solved, and the application range is as follows: financial debts such as bank loans which are temporarily difficult to repay by local government departments and affiliated institutions (including affiliated institutions) and local national enterprises (including government platform companies) can be negotiated with creditor financial institutions to adopt a creditor certificate payment mode for repayment;
4. the industrial chain core tap enterprise account flow financing method has the application range: the industrial chain core tap enterprises can receive accounts and the upstream enterprises and the downstream enterprises can transfer and financing the accounts received by the core enterprises;
5. assets are in stock for camping and small and medium-sized micro enterprises, and the application range is as follows: the civil and small and medium-sized micro enterprises have receivables to national enterprises and various deposit assets (including various assets or rights which are legally owned but are difficult to obtain financing from banks) which are difficult to confirm or evidence temporarily, and are used for transferring the credit vouchers from the national enterprises;
6. the financing and guaranteeing company compensates and guarantees the solution, and the application scope is: poor liability disc activities and overdue accounts which are compensated by the national financing guaranty company but not yet compensated, and various high-risk resolution to be compensated;
7. poor loan resolution of banks and small loan companies, and the application range is as follows: bank and national small loan company bad loan and liability disposal activity;
8. the application of the civil business contradiction disputes in the difficult field of cracking and execution is realized, and the application range is as follows: the method is characterized in that the contradiction disputes in the civil commerce field are resolved and the court executes case right inventory, such as financial borrowing disputes, guarantee and compensation right disputes, construction engineering disputes, rotten tail building project real estate disputes and the like, and the application of right circulation to the reconciliation organization established by various law-dependent modes such as people court, arbitration mechanism, trade meeting reconciliation, people reconciliation and the like is utilized to resolve the contradiction disputes for parties, so that the difficulty in executing the resolution of litigation is reduced.
It should be noted that, in the business operation, various places can be constructed into a plurality of integrated right circulation systems according to the actual business requirements, the main participation subjects and the matched policies, and the local social economic development of the service can be realized, including but not limited to the following M and N example cases, as shown in fig. 2:
m: for the area taking the deposit liabilities such as the payable engineering money of the national enterprises of resolution as the main, the two-in-one accounts receivable right management company, bank or the three-in-one account receivable right management company, bank and non-financial asset management company can be constructed, wherein: the bank mainly provides mortgage loan service for the creditor recorded by the creditor, and accepts the creditor recorded by the borrowing client with the creditor contract to pay back and loan, meanwhile, the bank can further build a matched non-financial asset management company in a conditional area, and provides discount transfer (rendering) service for the creditor recorded by the creditor to promote better circulation of the creditor and creditor;
n: for the area with bad loan of bank and warranty company warranty decompensation for living and resolving, the warranty company and the finance asset management company can be further introduced on the basis of M to form a multi-integrated creditor circulation system, wherein: the financing and guaranteeing company participates in resolving the own guarantee risk, and provides relevant services of financing and guaranteeing for creditors recorded by the creditor, the financial asset management company mainly provides a channel for poor loan and guarantee and compensation treatment, and exerts the advantages of the financial asset management company in terms of funds, resources and the like, and if necessary, the creditor held by the non-financial asset management company can be purchased in the modes of creditor purchase, delegated loan and the like, so that support is provided for the non-financial asset management company, and better circulation of the creditor of the accounts to be received is promoted;
o: for the areas with the survival of the rotten tail building project, the diversification of contradictions in civil economy and business fields and the difficult execution of the case of the national court, the mediation organization and the mediation organization can be further introduced on the basis of N to form an eight-in-one bond transfer system, and the contradictions in the fields of the plurality of the resolution of the civil business are supported and applied through the support and application of the national court, the mediation organization and the mediation organization, such as the survival of the rotten tail building, the resolution of financial or civil loan disputes, and the like, the litigation and the cracking execution are reduced, and further a larger range of virtuous circle is formed.
As shown in fig. 4, a system for constructing a right-of-liability circulation system comprises a presetting module 100, a construction module 200 and a circulation module 300;
the presetting module 100 is used for presetting a plurality of circulation systems i to obtain a circulation system label set N (i), and combining the circulation system label set N (i) with a preset accounts receivable label set N (u) to obtain accounts receivable u and a common label N (u, i) of the circulation system i;
the construction module 200 is configured to obtain the current receivables u, and construct a plurality of accounts between the current receivables u and the preset circulation system i according to the common labels N (u, i)Integrated credited transfer system P ui ；
The circulation module 300 is configured to circulate the system P according to the creditor rights ui The corresponding circulation mode circulates the certificates (contracts).
Further, the building module 200 includes a relevance unit 201 and a circulation architecture unit 202;
the association unit 201 is configured to obtain a current receivables u, and set an association W between the current receivables u and the tags k uk Setting the association degree R of the label k and the circulation system i ki The label k belongs to the common label N (u, i), and the association degree R ki Is the association degree of the label k and the circulation system i;
the circulation system unit 202 is configured to perform a circulation process according to the association degree R ki And degree of association W uk Calculating to obtain a creditor circulation system P ui ，。
The right circulation system P ui The calculation formula of (2) is as follows:
wherein N (u, i) is a label shared by the receivables u and the circulation system i, W uk Is the association degree of the receivables u and the labels k, R ki Is the association of label k with the stream system i.
A computer readable storage medium having stored thereon a number of acquisition classification programs for invocation by a processor and performing the steps of:
presetting a plurality of circulation systems i to obtain a circulation system label set N (i), and combining the circulation system label set N (i) with a preset accounts receivable label set N (u) to obtain accounts receivable u and a circulation system i shared label N (u, i);
acquiring a current accounts receivable u, and constructing a multi-position integrated creditor circulation system P between the current accounts receivable u and a preset circulation system i according to the common label N (u, i) ui ；
According to the creditor circulation system P ui Corresponding circulation mode carries out certificate (contract)And (5) circulating the line.
The foregoing is only a preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art, who is within the scope of the present invention, should make equivalent substitutions or modifications according to the technical scheme of the present invention and the inventive concept thereof, and should be covered by the scope of the present invention.
Claims (7)
1. The method for constructing the creditor circulation system is characterized by comprising the following steps of:
presetting a plurality of circulation systems i to obtain circulation system label sets N (i), and combining the circulation system label sets N (i) with preset accounts receivable label sets N (u) to obtain accounts receivable u and common labels N (u, i) of the circulation systems i;
acquiring a current accounts receivable u, and constructing a multi-position integrated creditor circulation system P between the current accounts receivable u and a preset circulation system i according to the common label N (u, i) ui ；
Voucher (contract) passing through creditor circulation system P ui Circulation is carried out;
a multi-position integrated right circulation system P between the current receivables u and a preset circulation system i is constructed according to the common labels N (u, i) ui Specifically, the method comprises the following steps:
acquiring the current receivables u, and setting the association degree W of the current receivables u and the labels k uk Setting the association degree R of the label k and the circulation system i ki The label k belongs to the common label N (u, i), and the association degree R ki Is the association degree of the label k and the circulation system i;
according to the degree of association R ki And degree of association W uk Obtaining a creditor circulation system P ui Correlation degree R ki Is the association of label k with the stream hierarchy i.
2. The method for constructing a credit-to-debit system according to claim 1, wherein the credit-to-debit system P ui The calculation formula of (2) is as follows:
wherein N (u, i) is a label shared by the receivables u and the circulation system i, W uk Is the association degree of the receivables u and the labels k, R ki Is the association of label k with the stream system i.
3. The method for constructing a credit-to-rights transfer system according to claim 1, wherein the certificate (contract) passes through the credit-to-rights transfer system P ui Performing circulation, including:
obtaining a certificate (contract) corresponding to the current accounts receivable u according to the acquired current accounts receivable u;
according to the calculated creditor circulation system P ui Selecting a corresponding multi-position integrated circulation mode, and circulating the certificate (contract) according to the obtained multi-position integrated circulation mode;
according to the creditor circulation system P ui The corresponding circulation mode circulates the certificates (contracts).
4. A method of constructing a liability circulation system according to any of claims 1-3, wherein the bank provides a guarantee for circulation of vouchers (contracts).
5. The system for constructing the creditor circulation system is characterized by comprising a preset module (100), a construction module (200) and a circulation module (300), wherein the construction module (200) comprises a relevance unit (201) and a circulation system unit (202);
the preset module (100) is used for presetting a plurality of circulation systems i to obtain a circulation system label set N (i), and combining the circulation system label set N (i) with a preset accounts receivable label set N (u) to obtain accounts receivable u and a common label N (u, i) of the circulation system i;
the construction module (200) is used for acquiring the current accounts receivable u and constructing a multi-position integrated creditor circulation system P between the current accounts receivable u and a preset circulation system i according to the common labels N (u, i) ui ；
The circulation module (300) is used for certificates (contracts)) Through the creditor circulation system P ui Circulation is carried out;
the association degree unit (201) is used for obtaining the current receivables u and setting the association degree W of the current receivables u and the labels k uk Setting the association degree R of the label k and the circulation system i ki The label k belongs to the common label N (u, i), and the association degree R ki Is the association degree of the label k and the circulation system i;
a circulation system unit (202) for generating a circulation system according to the degree of association R ki And degree of association W uk Obtaining a creditor circulation system P ui。
6. The system for constructing a credit-to-debit system according to claim 5, wherein said credit-to-debit system P ui The calculation formula of (2) is as follows:
wherein N (u, i) is a label shared by the receivables u and the circulation system i, W uk Is the association degree of the receivables u and the labels k, R ki Is the association of label k with the stream system i.
7. A computer readable storage medium, wherein a plurality of acquisition classification programs are stored on the computer readable storage medium, and the plurality of acquisition classification programs are used for being called by a processor and executing the method for constructing the right liability circulation system according to any one of claims 1 to 4.
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