CN111047432A - Method and device for realizing loan of small and micro enterprises - Google Patents
Method and device for realizing loan of small and micro enterprises Download PDFInfo
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- CN111047432A CN111047432A CN201911269553.6A CN201911269553A CN111047432A CN 111047432 A CN111047432 A CN 111047432A CN 201911269553 A CN201911269553 A CN 201911269553A CN 111047432 A CN111047432 A CN 111047432A
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Abstract
The embodiment of the invention provides a method and a device for realizing small and micro enterprise loan, wherein the method comprises the following steps: determining the credit level of the small and micro enterprise user based on the credit granting application information filled by the small and micro enterprise user, determining the small and micro enterprise user with the credit level before a preset threshold value as a high-quality small and micro enterprise user, and sending the result of determining the high-quality small and micro enterprise user to a financial institution service system; receiving the result of formal credit approval of the financial institution business system on the high-quality small and micro enterprise users; and (4) the electronic payment platform is in butt joint with a financial institution business system, and prepayment payment is carried out on a freight station income account provided by the high-quality small and micro enterprise user which passes the formal credit approval. The invention screens out the high-quality small and micro enterprise users according to the credit rating, provides the popular financial financing service for the high-quality small and micro enterprise users, reduces the bank risk, does not need the physical pledge, the pure credit loan, operates on the whole line, has short flow, low threshold, simple procedure and strong timeliness.
Description
Technical Field
The invention relates to the technical field of internet finance, in particular to a method and a device for realizing loan of small and micro enterprises.
Background
The development of the innovative mode of 'internet +' brings convenient life to people. Services such as payment, transfer, recharge, and financing provided by an innovative model such as "internet + finance" have entered common people.
Currently, the enterprise loan including the small and micro enterprise loan is mainly an offline loan. The enterprise user initiates a loan application to the bank, which requires the physical mortgage to the bank, and the bank audits the loan application and the value of the mortgage of the enterprise user. After the loan application and the approval of the mortgage of the enterprise user pass, the bank can put money to the enterprise user. If a large amount of enterprises apply for loan, banks face the work of applying for the loan in large amount and examining and verifying the mortgage of the enterprises, and the efficiency is extremely low and the cost is extremely high.
Therefore, the offline loan can only solve the problem of difficult capital turnover of part of enterprises, and the offline loan needs to give the bank a real object for pledge, has long flow and complex procedures, can not realize special fund specialization and is easy to have the risk of financing fraud.
Disclosure of Invention
The embodiment of the invention provides a method and a device for realizing loan of a small and micro enterprise, which are used for solving the problems that offline loan can only solve the difficulty in transferring part of enterprise funds, and the offline loan requires the real object to be escorted to a bank, is long in process, complex in procedure, incapable of realizing special payment, easy to have risk of financing fraud and the like.
In a first aspect, an embodiment of the present invention provides a method for implementing a small-micro enterprise loan, including:
acquiring credit investigation data based on credit investigation application information filled by a small micro enterprise user;
determining the credit rating of the small and micro enterprise user according to the credit investigation data, determining the small and micro enterprise user with the credit rating before a preset threshold value as a high-quality small and micro enterprise user, and sending the result of determining the high-quality small and micro enterprise user to a financial institution service system;
receiving the result of the financial institution business system performing formal credit approval on the high-quality small and micro enterprise user;
and the financial institution service system is butted with the financial institution service system through an electronic payment platform, so that the financial institution service system performs prepayment payment to a freight station income account provided by the high-quality small and micro enterprise user which passes the formal credit approval.
Optionally, the credit investigation data comprises internal credit investigation data and/or external credit investigation data.
Optionally, the determining the credit rating of the small micro enterprise user includes:
determining the internal credit level of the small micro enterprise user according to the internal credit investigation data; and/or
Determining the external credit rating of the small micro enterprise user according to the external credit investigation data;
and determining the credit level of the small micro enterprise user according to the internal credit level and/or the external credit level.
Optionally, after the financial institution service system is docked by the electronic payment platform and prepayment payment is performed on a freight station income account provided by a high-quality small and micro enterprise user who passes formal credit approval, the method for realizing the small and micro enterprise loan further includes:
and tracking the transported goods, and sending the result of tracking the transported goods to the financial institution business system.
Optionally, after the financial institution service system is docked by the electronic payment platform and prepayment payment is performed on a freight station income account provided by a high-quality small and micro enterprise user who passes formal credit approval, the method for realizing the small and micro enterprise loan further includes:
and adding the high-quality small and micro enterprise users which are overdue and paid through formal credit approval into a blacklist according to the repayment state of the high-quality small and micro enterprise users which are monitored by the financial institution service system and passed through formal credit approval so as to forbid the high-quality small and micro enterprise users which are passed through formal credit approval to initiate payment application through the railway logistics financial service platform again.
Optionally, before the receiving of the result of the financial institution service system performing formal credit approval on the high-quality small and micro enterprise user, the method for implementing the small and micro enterprise loan further includes:
and guiding the high-quality small micro enterprise user to open the financial institution account under the condition that the high-quality small micro enterprise user does not have the financial institution account.
Optionally, after the financial institution service system is docked by the electronic payment platform and prepayment payment is performed on a freight station income account provided by a high-quality small and micro enterprise user who passes formal credit approval, the method for realizing the small and micro enterprise loan further includes:
and sending the transaction flow of the railway logistics financial service platform to an electronic payment platform so that the electronic payment platform can perform reconciliation processing on the transaction flow of the railway logistics financial service platform and the transaction flow of a financial institution business system.
The embodiment of the invention provides a device for realizing loan of a small and micro enterprise, which comprises: the credit investigation system comprises a credit investigation data acquisition module, a credit rating determination module, a result receiving module and a prepayment payment module;
the credit investigation data acquisition module is used for acquiring credit investigation data based on the credit granting application information filled by the small and micro enterprise users;
the credit rating determining module is used for determining the credit rating of the small and micro enterprise user according to the credit investigation data, determining the small and micro enterprise user with the credit rating before a preset threshold value as a high-quality small and micro enterprise user and sending the result of determining the high-quality small and micro enterprise user to a financial institution service system;
the result receiving module is used for receiving the result of the financial institution business system for performing formal credit approval on the high-quality small and micro enterprise user;
the prepayment payment module is used for butting the financial institution service system through an electronic payment platform so as to enable the financial institution service system to carry out prepayment payment on a freight station income account provided by the high-quality small and micro enterprise user which passes formal credit verification.
Optionally, the credit investigation data comprises internal credit investigation data and/or external credit investigation data.
Optionally, the determining the credit rating of the small micro enterprise user includes:
determining the internal credit level of the small micro enterprise user according to the internal credit investigation data; and/or
Determining the external credit rating of the small micro enterprise user according to the external credit investigation data;
and determining the credit level of the small micro enterprise user according to the internal credit level and/or the external credit level.
Optionally, the apparatus for implementing a small-micro enterprise loan further includes: a result sending module;
and the result sending module is used for tracking the transported goods and sending the result of tracking the transported goods to the financial institution business system.
Optionally, the apparatus for implementing a small-micro enterprise loan further includes: a blacklist adding module;
the blacklist adding module is used for adding the overdue repayment of the high-quality small micro enterprise user which passes the formal credit approval into the blacklist according to the repayment state of the high-quality small micro enterprise user which passes the formal credit approval monitored by the financial institution service system so as to forbid the high-quality small micro enterprise user which passes the formal credit approval to initiate the payment application again through the railway logistics financial service platform.
Optionally, the apparatus for implementing a small-micro enterprise loan further includes: a guidance module;
the guiding module is used for guiding the high-quality small micro enterprise user to open the financial institution account under the condition that the high-quality small micro enterprise user does not have the financial institution account.
Optionally, the apparatus for implementing a small-micro enterprise loan further includes: an account checking processing module;
the reconciliation processing module is used for sending the railway logistics financial service platform transaction flow to the electronic payment platform so as to enable the electronic payment platform to carry out reconciliation processing on the railway logistics financial service platform transaction flow and the financial institution business system transaction flow.
In a third aspect, an embodiment of the present invention further provides an electronic device, including:
at least one processor; and
at least one memory communicatively coupled to the processor, wherein:
the memory stores program instructions executable by the processor, which when called by the processor are capable of performing the above-described methods.
In a fourth aspect, the embodiments of the present invention also provide a non-transitory computer-readable storage medium, which stores a computer program, and the computer program causes the computer to execute the above method.
The embodiment of the invention screens out high-quality small and micro enterprise users according to the credit rating, provides general financial financing service for the high-quality small and micro enterprise users, reduces the bank risk, does not need physical pledge, pure credit loan, is operated on the whole line, has short flow, low threshold and simple procedure; the financial institution releases the payment to the income account of the freight station provided by the high-quality small and micro enterprise user which passes the formal credit approval in a trusted payment mode, so that the prepayment payment efficiency is improved, the timeliness is high, the oriented payment of financing funds is realized, the special payment is realized, and the financing risk is effectively reduced.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and those skilled in the art can also obtain other drawings according to the drawings without creative efforts.
Fig. 1 is a schematic flow chart illustrating a method for implementing a small-micro enterprise loan, according to an embodiment of the present invention;
fig. 2 is a schematic structural diagram of an apparatus for implementing a small-sized enterprise loan, according to an embodiment of the present invention;
fig. 3 is a logic block diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. 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 invention.
Fig. 1 is a schematic flow chart illustrating a method for implementing a small-micro enterprise loan, according to an embodiment of the present invention, including:
and S11, acquiring credit investigation data based on the credit investigation application information filled by the small and micro enterprise user.
The railway logistics financial service platform is a platform which is formed by an innovation mode of 'internet +'. The railway logistics financial service platform can provide loan services for small and micro enterprises. And the credit granting application information is that after the small and micro enterprise user logs in the railway logistics financial service platform, the small and micro enterprise user enters a credit granting application page, fills in information such as the name of the small and micro enterprise, the unified social credit code, the name of a legal person and the like, and uploads enterprise freight information inquiry and an authorization book for use. After the small and micro enterprise finishes information filling, the railway logistics financial service platform acquires internal and external credit investigation data of the small and micro enterprise user.
And S12, determining the credit rating of the small and micro enterprise user according to the credit assessment data, determining the small and micro enterprise user with the credit rating before a preset threshold as a high-quality small and micro enterprise user, and sending the result of determining the high-quality small and micro enterprise user to a financial institution business system.
The credit investigation data can indirectly reflect the credit condition of the small micro-enterprise user. And the credit rating of the small and micro enterprise user can directly reflect the credit condition of the small and micro enterprise user. And after the credit rating of the small and micro enterprise users is determined, further screening out high-quality small and micro enterprise users. Specifically, the small micro enterprise user with the credit rating before the preset threshold is determined as the high-quality small micro enterprise user. And sending the result of determining the high-quality small and micro enterprise user to a financial institution business system.
And S13, receiving the result of the financial institution business system performing formal credit approval on the high-quality small and micro enterprise user.
And the financial institution business system officially authorizes and audits the screened high-quality small and micro enterprise users, and sends the result of officially authorizing and auditing to the railway logistics financial service platform. And the railway logistics financial service platform receives the result of the financial institution business system performing formal credit approval on the high-quality small and micro enterprise user. Specifically, the railway logistics financial service platform displays information such as credit granting states, limits, time limits and account numbers of high-quality small and micro enterprise users.
And S14, the financial institution service system is butted through an electronic payment platform, so that the financial institution service system performs prepayment payment to a freight station income account provided by the high-quality small and micro enterprise user which passes formal credit approval.
The railway logistics financial service platform is connected with a financial institution business system through an electronic payment platform, so that the financial institution business system carries out prepayment payment to a freight station income account provided by the high-quality small micro enterprise user which passes the formal credit approval. Specifically, after the high-quality small and micro enterprise user who is audited through formal credit granting selects the information of the prepayment money and selects the income account of the freight station on the railway logistics financial service platform, the information is sent to the financial institution business system on line to serve as the basis of the prepayment money of the financial institution business system, and the user is guided to log in the financial institution internet bank to complete the subsequent operation. And the financial institution business system checks the information of the prepayment payment, generates a borrowing contract after the check is passed, initiates a withdrawal application, and automatically releases the money to a income account of the freight station.
The embodiment of the invention screens out the high-quality small and micro enterprise users according to the credit rating, provides loan service for the high-quality small and micro enterprise users, reduces bank risks, does not need physical mortgage, pure credit loan, operates on the whole line, and has short flow, low threshold and simple procedure; the financial institution releases the payment to the income account of the freight station provided by the high-quality small and micro enterprise user which passes the formal credit approval in a trusted payment mode, so that the prepayment payment efficiency is improved, the timeliness is high, the oriented payment of financing funds is realized, the special payment is realized, and the financing risk is effectively reduced.
It should be noted here that the user loan of the small micro enterprise can also be realized by a direct payment method. Specifically, the railway logistics financial service platform queries the waybills to be paid of the small and micro enterprise user from the railway freight system, and the small and micro enterprise user can select the waybills needing to be paid through loan. The small and micro enterprise user initiates a money application on the railway logistics financial service platform, signs a loan agreement on a credit platform of a financial institution, and the financial institution business system directly transfers funds into a railway income account through an electronic payment platform to complete payment.
It should be further noted that, before performing formal credit approval on the high-quality small-sized micro enterprise user, the financial institution service system performs pre-credit approval on the high-quality small-sized micro enterprise user, and sends a pre-credit approval result to the railway logistics financial service platform.
Further, on the basis of the above method embodiment, the credit investigation data comprises internal credit investigation data and/or external credit investigation data.
In the embodiment of the present invention, the credit investigation data includes internal credit investigation data and/or external credit investigation data.
The credit investigation data in the embodiment of the invention is the basis of the pure credit loan.
Further, on the basis of the above method embodiment, the determining the credit rating of the small micro enterprise user includes: determining the internal credit level of the small micro enterprise user according to the internal credit investigation data; and/or determining the external credit level of the small micro enterprise user according to the external credit investigation data; and determining the credit level of the small micro enterprise user according to the internal credit level and/or the external credit level.
Specifically, if the credit investigation data is internal credit investigation data, determining the internal credit rating of the small and micro enterprise user according to the internal credit investigation data, namely the credit rating of the small and micro enterprise user; if the credit investigation data is external credit investigation data, determining the external credit rating of the small and micro enterprise user according to the external credit investigation data, namely the credit rating of the small and micro enterprise user; and if the credit investigation data are internal credit investigation data and external credit investigation data, determining the internal credit level and the external credit level of the small micro enterprise user according to the internal credit investigation data and the external credit investigation data, and determining the credit level of the small micro enterprise user according to the internal credit level and the external credit level of the small micro enterprise user and the respective weights of the internal credit level and the external credit level.
Here, the internal credit data at least includes: historical railway freight data of an enterprise in the last three years, such as goods, freight and freight volume, and railway freight data of the enterprise in the last 6 months, such as a large amount of railway internal data of arrival, goods, freight, reserve amount, delivery frequency and the like. The external credit investigation data at least comprises: the tax information of the industry and commerce and the credit data of the bank.
The embodiment of the invention determines the credit level of the small and micro enterprise user through the internal credit investigation data and/or the external credit investigation data. The method realizes that users of small and micro enterprises pay credit to themselves without giving mortgage to banks for real objects.
Further, on the basis of the above method embodiment, after the financial institution service system is docked by the electronic payment platform, and prepayment payment is performed to a freight station income account provided by a high-quality small and micro enterprise user approved by formal credit granting, the method for realizing small and micro enterprise loan further includes: and the railway logistics financial service platform tracks the transported goods and sends the result of tracking the transported goods to the financial institution business system.
Specifically, the railway logistics financial service platform tracks the transported goods. The railway logistics financial service platform obtains information of freight rate credit payment freight note sending, on-route and arrival and the like from a railway freight system, and sends the information to a financial institution business system.
The embodiment of the invention tracks the transported goods and sends the tracking result to the financial institution business system.
Further, on the basis of the above method embodiment, after the financial institution service system is docked by the electronic payment platform, and prepayment payment is performed to a freight station income account provided by a high-quality small and micro enterprise user approved by formal credit granting, the method for realizing small and micro enterprise loan further includes:
and adding the high-quality small and micro enterprise users which are overdue and paid through formal credit approval into a blacklist according to the repayment state of the high-quality small and micro enterprise users which are monitored by the financial institution service system and passed through formal credit approval so as to forbid the high-quality small and micro enterprise users which are passed through formal credit approval to initiate payment application through the railway logistics financial service platform again.
Specifically, the financial institution business system monitors the repayment state of the high-quality small and micro enterprise user which passes formal credit approval. And the railway logistics financial service platform adds the high-quality small and micro enterprise users who pass the formal credit examination of overdue repayment into a blacklist according to the repayment state.
After the loan, the financial institution business system periodically pushes the good-quality small and micro enterprise user freight loan repayment information. The railway logistics financial service platform dynamically displays the state of each loan of the high-quality small and micro enterprise users, such as during application, pending payment, overdue, settled and the like. If the high-quality small and micro enterprise user repays normally, the railway logistics financial service platform releases the available amount; if the high-quality small and micro enterprise users are overdue, the enterprises are forbidden to apply for freight loan payment through the railway logistics financial service platform, the railway logistics financial service platform adds the small and micro enterprise users overdue for more than preset days into a blacklist, and the blacklist user information is regularly sent to a financial institution business system.
The embodiment of the invention improves the railway service quality by providing diversified value-added services for railway transportation enterprises.
Further, on the basis of the above method embodiment, before receiving a result of formal credit approval of the financial institution business system on the high-quality small and micro enterprise user, the method for implementing a small and micro enterprise loan further includes:
and guiding the high-quality small micro enterprise user to open the financial institution account under the condition that the high-quality small micro enterprise user does not have the financial institution account.
Specifically, when the high-quality small and micro enterprise user uses the railway logistics financial service platform for the first time to make a loan, the high-quality small and micro enterprise user does not have the financial institution account. Therefore, the railway logistics financial service platform guides the high-quality small micro-enterprise user to open the financial institution account.
It should be noted that, if the high-quality small micro-enterprise user wants to change the financial institution account, the railway logistics financial service platform also guides the high-quality small micro-enterprise user to open the financial institution account.
According to the embodiment of the invention, the financial institution business system is butted through the railway logistics financial service platform, the high-quality small micro enterprise user is guided to prepare the necessary account opening materials according to the requirements of the financial institution, the account of the financial institution is opened, the flow is clear, and the handling efficiency is high.
It should be noted that before the railway logistics financial service platform guides the high-quality small-sized micro-enterprise user to open the financial institution account, the financial institution may perform pre-credit approval on the high-quality small-sized micro-enterprise. And sending the auditing result to a railway logistics financial service platform. The railway logistics financial service platform can display the pre-credit auditing results of each financial institution and detailed information such as financial product interest rate, period and the like to high-quality small and micro enterprise users for the users to select.
Further, on the basis of the above method embodiment, after the financial institution service system is docked by the electronic payment platform, and prepayment payment is performed to a freight station income account provided by a high-quality small and micro enterprise user approved by formal credit granting, the method for realizing small and micro enterprise loan further includes:
and sending the transaction flow of the railway logistics financial service platform to an electronic payment platform so that the electronic payment platform can perform reconciliation processing on the transaction flow of the railway logistics financial service platform and the transaction flow of a financial institution business system.
Specifically, the railway logistics financial service platform and the financial institution business system regularly generate reconciliation files of the previous day every day and upload the reconciliation files to a designated server of the electronic payment platform. And the electronic payment platform account checking processing program automatically performs account checking processing, generates a deviation file and sends the deviation file to the railway logistics financial service platform. And if the deviation exists, the operator of the railway logistics financial service platform processes the transaction information with the deviation in the background.
According to the embodiment of the invention, the reconciliation processing is carried out on the transaction flow of the railway logistics financial service platform and the transaction flow of the financial institution business system, so that the high-efficiency management of capital and financial affairs is realized, and the safety and controllability of the capital are effectively ensured.
It should be noted that after the financial institution business system performs prepayment payment on a freight station income account provided by a high-quality small and micro enterprise user who passes formal credit approval, the railway logistics financial service platform operator performs modification maintenance on registration information and/or login information; and/or modifying and maintaining the industrial and commercial registration information and/or legal information of the high-quality small and micro enterprise users which pass the formal credit approval, thereby realizing the management of enterprise information. The embodiment of the invention improves the railway service quality by managing the value-added service of enterprise information.
It should be further noted that, if there is the waybill information to be paid, the user may select a direct payment method, select a single or multiple waybills as the deposit basis on the railway logistics financial service platform, and submit the application for use to the financial institution business system. And after the financial institution business system passes the verification, directly transferring the financing funds into a railway income account in a trusted payment mode.
It is further noted that in embodiments of the present invention, inventory/warehouse order pledge financing services, in-transit pledge financing services, and risk management services are also provided.
The warehouse warranty is characterized in that a warehouse warranty is stored in a warehouse of a logistics enterprise by a shipper enterprise, then a loan is applied to a bank by the warehouse warranty, and the bank provides a certain proportion of loans to client enterprises according to the value of the warranty and other related factors. In the process, logistics enterprises are responsible for supervising and storing the pledges. The stock pledge financing is based on the traditional financial institution online pledge financing, and the enterprise applies the online financing business to the financial institution by taking the goods stored in the railway appointed supervision warehouse as the pledge through the railway logistics financial service platform. The standard warehouse bill format is established by the railway in a unified way, and various roads check and accept the variety, specification, quality, weight and the like of goods; or a third-party logistics company with supervision and qualification issues a warehouse receipt and fulfills supervision obligations, and the right of delivery person can hold the warehouse to apply for financing from the financial institution. The business is a single batch business, the applicant directly applies financing to the financial institution by a warehouse bill, and the money is immediately released after the batch is repeated.
The quality escort financing business in transit refers to that after railway shipments, enterprises submit financing applications on a logistics financial service platform, a professional detection mechanism determines the quality and value of goods, and a railway pushes waybill information to a financial mechanism, so that the whole-course supervision responsibility is fulfilled in the whole transportation process. The in-transit pledge financing service sets a dynamic in-transit goods threshold value, as long as in-transit goods meet the requirements of a financial institution, goods can be delivered by a railway after arriving at a destination, otherwise, the goods can be delivered only after the repayment of an enterprise and the acceptance of a goods placing instruction of a bank are received by a railway logistics financial service platform. The business is a single batch of business, the applicant directly applies for financing to the financial institution according to the freight note information of the goods in transit, and the money is immediately released after the batch is repeated.
The risk management business includes internal risk control management and external risk control management. The internal risk control management comprises internal control process management, operation maintenance management, market risk management, legal risk management and transportation risk management; external risk control management includes customer screening management, customer rating management, credit risk management, and introduction of insurance/vouching.
Fig. 2 is a schematic structural diagram of an apparatus for implementing a small-micro enterprise loan, according to an embodiment of the present invention, where the apparatus includes: the credit investigation data acquisition module 21, the credit rating determination module 22, the result receiving module 23 and the prepayment payment module 24;
the credit investigation data acquisition module 21 is configured to acquire credit investigation data based on credit granting application information filled by a small-sized micro enterprise user;
the credit rating determining module 22 is configured to determine a credit rating of the small-micro enterprise user according to the credit investigation data, determine the small-micro enterprise user whose credit rating is ranked before a preset threshold as a high-quality small-micro enterprise user, and send a result of determining the high-quality small-micro enterprise user to a financial institution service system;
the result receiving module 23 is configured to receive a result of performing formal credit approval on the high-quality small and micro enterprise user by the financial institution service system;
the prepayment payment module 24 is configured to interface the financial institution service system through an electronic payment platform, so that the financial institution service system performs prepayment payment to a freight station income account provided by a high-quality small-sized enterprise user who passes formal credit verification.
Further, on the basis of the above device embodiment, the credit investigation data comprises internal credit investigation data and/or external credit investigation data.
Further, on the basis of the above device embodiment, the determining the credit rating of the small micro enterprise user includes:
determining the internal credit level of the small micro enterprise user according to the internal credit investigation data; and/or
Determining the external credit rating of the small micro enterprise user according to the external credit investigation data;
and determining the credit level of the small micro enterprise user according to the internal credit level and/or the external credit level.
Further, on the basis of the above device embodiment, the device for implementing a small micro enterprise loan further includes: a result sending module;
and the result sending module is used for tracking the transported goods and sending the result of tracking the transported goods to the financial institution business system.
Further, on the basis of the above device embodiment, the device for implementing a small micro enterprise loan further includes: a blacklist adding module;
the blacklist adding module is used for adding the overdue repayment of the high-quality small micro enterprise user which passes the formal credit approval into the blacklist according to the repayment state of the high-quality small micro enterprise user which passes the formal credit approval monitored by the financial institution service system so as to forbid the high-quality small micro enterprise user which passes the formal credit approval to initiate the payment application again through the railway logistics financial service platform.
Further, on the basis of the above device embodiment, the device for implementing a small micro enterprise loan further includes: a guidance module;
the guiding module is used for guiding the high-quality small micro enterprise user to open the financial institution account under the condition that the high-quality small micro enterprise user does not have the financial institution account.
Further, on the basis of the above device embodiment, the device for implementing a small micro enterprise loan further includes: an account checking processing module;
the reconciliation processing module is used for sending the railway logistics financial service platform transaction flow to the electronic payment platform so as to enable the electronic payment platform to carry out reconciliation processing on the railway logistics financial service platform transaction flow and the financial institution business system transaction flow.
FIG. 3 is a logic block diagram of an electronic device according to an embodiment of the invention; the electronic device includes: a processor (processor)31, a memory (memory)32, and a bus 33;
wherein, the processor 31 and the memory 32 complete the communication with each other through the bus 33; the processor 31 is configured to call the program instructions in the memory 32 to execute the method for implementing the small micro enterprise loan provided by the above method embodiment, for example, including: acquiring credit investigation data based on credit investigation application information filled by a small micro enterprise user; determining the credit rating of the small and micro enterprise user according to the credit investigation data, determining the small and micro enterprise user with the credit rating before a preset threshold value as a high-quality small and micro enterprise user, and sending the result of determining the high-quality small and micro enterprise user to a financial institution service system; receiving the result of the financial institution business system performing formal credit approval on the high-quality small and micro enterprise user; and the financial institution service system is butted with the financial institution service system through an electronic payment platform, so that the financial institution service system performs prepayment payment to a freight station income account provided by the high-quality small and micro enterprise user which passes the formal credit approval.
An embodiment of the present invention further provides a non-transitory computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the computer program implements the method for implementing a small-micro enterprise loan, provided in the foregoing embodiments, for example, the method includes: acquiring credit investigation data based on credit investigation application information filled by a small micro enterprise user; determining the credit rating of the small and micro enterprise user according to the credit investigation data, determining the small and micro enterprise user with the credit rating before a preset threshold value as a high-quality small and micro enterprise user, and sending the result of determining the high-quality small and micro enterprise user to a financial institution service system; receiving the result of the financial institution business system performing formal credit approval on the high-quality small and micro enterprise user; and the financial institution service system is butted with the financial institution service system through an electronic payment platform, so that the financial institution service system performs prepayment payment to a freight station income account provided by the high-quality small and micro enterprise user which passes the formal credit approval.
The above-described embodiments of the apparatus are merely illustrative, and 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 modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above-described technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will 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 of the embodiments of the present invention.
Claims (10)
1. A method for realizing small and micro enterprise loan is characterized by comprising the following steps:
acquiring credit investigation data based on credit investigation application information filled by a small micro enterprise user;
determining the credit rating of the small and micro enterprise user according to the credit investigation data, determining the small and micro enterprise user with the credit rating before a preset threshold value as a high-quality small and micro enterprise user, and sending the result of determining the high-quality small and micro enterprise user to a financial institution service system;
receiving the result of the financial institution business system performing formal credit approval on the high-quality small and micro enterprise user;
and the financial institution service system is butted with the financial institution service system through an electronic payment platform, so that the financial institution service system performs prepayment payment to a freight station income account provided by the high-quality small and micro enterprise user which passes the formal credit approval.
2. The method for realizing small micro-enterprise loan according to claim 1, wherein the credit investigation data comprises internal credit investigation data and/or external credit investigation data.
3. The method for implementing a small business loan of claim 2, wherein the determining the credit rating of the small business user comprises:
determining the internal credit level of the small micro enterprise user according to the internal credit investigation data; and/or
Determining the external credit rating of the small micro enterprise user according to the external credit investigation data;
and determining the credit level of the small micro enterprise user according to the internal credit level and/or the external credit level.
4. The method for realizing small and micro enterprise loan of claim 1, wherein after the financial institution business system is docked through the electronic payment platform to carry out prepayment payment to a freight station income account provided by a high-quality small and micro enterprise user approved by formal credit granting, the method for realizing small and micro enterprise loan further comprises:
and tracking the transported goods, and sending the result of tracking the transported goods to the financial institution business system.
5. The method for realizing small and micro enterprise loan of claim 1, wherein after the financial institution business system is docked through the electronic payment platform to carry out prepayment payment to a freight station income account provided by a high-quality small and micro enterprise user approved by formal credit granting, the method for realizing small and micro enterprise loan further comprises:
and adding the high-quality small and micro enterprise users which are overdue and paid through formal credit approval into a blacklist according to the repayment state of the high-quality small and micro enterprise users which are monitored by the financial institution service system and passed through formal credit approval so as to forbid the high-quality small and micro enterprise users which are passed through formal credit approval to initiate payment application through the railway logistics financial service platform again.
6. The method for realizing small and micro enterprise loan of claim 1, wherein before receiving the result of the approval of the financial institution's business system for the formal credit granting of the high-quality small and micro enterprise user, the method for realizing small and micro enterprise loan further comprises:
and guiding the high-quality small micro enterprise user to open the financial institution account under the condition that the high-quality small micro enterprise user does not have the financial institution account.
7. The method for realizing small and micro enterprise loan of claim 1, wherein after the financial institution business system is docked through the electronic payment platform to carry out prepayment payment to a freight station income account provided by a high-quality small and micro enterprise user approved by formal credit granting, the method for realizing small and micro enterprise loan further comprises:
and sending the transaction flow of the railway logistics financial service platform to an electronic payment platform so that the electronic payment platform can perform reconciliation processing on the transaction flow of the railway logistics financial service platform and the transaction flow of a financial institution business system.
8. An apparatus for realizing loan of small and micro enterprises, comprising: the credit investigation system comprises a credit investigation data acquisition module, a credit rating determination module, a result receiving module and a prepayment payment module;
the credit investigation data acquisition module is used for acquiring credit investigation data based on the credit granting application information filled by the small and micro enterprise users;
the credit rating determining module is used for determining the credit rating of the small and micro enterprise user according to the credit investigation data, determining the small and micro enterprise user with the credit rating before a preset threshold value as a high-quality small and micro enterprise user and sending the result of determining the high-quality small and micro enterprise user to a financial institution service system;
the result receiving module is used for receiving the result of the financial institution business system for performing formal credit approval on the high-quality small and micro enterprise user;
the prepayment payment module is used for butting the financial institution service system through an electronic payment platform so as to enable the financial institution service system to carry out prepayment payment on a freight station income account provided by the high-quality small and micro enterprise user which passes formal credit verification.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program performs the steps of the method for loan fulfillment in a small enterprise as claimed in any one of claims 1 to 7.
10. A non-transitory computer readable storage medium, having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the steps of a method for loan fulfillment in a small micro enterprise as claimed in any one of claims 1 to 7.
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| CN201911269553.6A CN111047432A (en) | 2019-12-11 | 2019-12-11 | Method and device for realizing loan of small and micro enterprises |
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