CN112330436A - Financing management method based on medium and small enterprise financing credit system - Google Patents

Financing management method based on medium and small enterprise financing credit system Download PDF

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CN112330436A
CN112330436A CN202011058818.0A CN202011058818A CN112330436A CN 112330436 A CN112330436 A CN 112330436A CN 202011058818 A CN202011058818 A CN 202011058818A CN 112330436 A CN112330436 A CN 112330436A
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Weizhihui Intelligent Technology Co Ltd
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    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract

The invention provides a financing management method based on a financing credit system of medium and small enterprises. The daily operation data comprises purchasing, selling, producing, warehousing, fixed assets, cost, finance and attendance data; the external public data comprises cost related data such as local salary level, material price level, house renting cost, water and electricity cost, oil price and the like of an enterprise, and the stored data uses a block chain technology to ensure the authenticity and the non-falsification of daily operation data. The invention has the beneficial effects that: the real reliability of the provided materials when the medium and small-sized enterprises finance is improved, the inspection links of complex bank examination and approval are reduced, the enterprises can be improved and perfectly managed according to the examination and approval results, and a virtuous circle is formed for the development of the enterprises.

Description

Financing management method based on medium and small enterprise financing credit system
Technical Field
The invention relates to the field of enterprise financing, in particular to a financing management method based on a medium and small enterprise financing credit system.
Background
At present, the number of medium and small enterprises accounts for a great proportion of the total number of the enterprises in China, and the medium and small enterprises provide nearly half tax and seven-eighths employment posts for the country. The medium and small enterprises form the national economic foundation and active factors in the social economy, and are important factors for the sustainable development and the stable flourishing of the social economy. But the problem of fund shortage is always a prominent problem which troubles the further development of small and medium-sized enterprises. Capital is an important backbone for an enterprise to sustain survival and development. At present, financial banking institutions are encouraged by the country to loan medium and small enterprises, but the loan of the medium and small enterprises accounts for about 4% -5% of the loans of all the financial institutions in view of the current situation, and the reason is that on one hand, the fixed asset proportion of the medium and small enterprises is small, the credit basis is insufficient, the investment time is short, the credit risk of the medium and small enterprises is large, and the financing credit level is low. On the other hand, whether the bank issues the loan or not for the medium and small enterprises mainly depends on the analysis and judgment of the financial index data information of the medium and small enterprises. Most of small and medium-sized enterprises lack necessary accounts, and financial data are distorted, so that information asymmetry between banks and small and medium-sized enterprises is caused. There is a need to develop a method for solving the above problems.
Disclosure of Invention
In order to solve the problems, the invention provides a financing management method based on a medium-sized and small-sized enterprise financing credit system. The financing method is characterized in that in the process of financing, small and medium-sized enterprises manage and record purchasing, selling, production, cost, fixed assets and financial data of the small and medium-sized enterprises through a cloud service platform system, the actual operation data of the enterprises are provided for banks to check in real time by combining with local public big data of the enterprises on the basis of not influencing commercial confidentiality of the enterprises through a material submitting system, and the banks inform the small and medium-sized enterprises of the financing result after checking the data without influencing bank confidentiality. The method has the advantages that the defects of the enterprises are improved in time according to financing results by the medium and small enterprises, meanwhile, the cloud service platform system can also screen high-quality customers to recommend to banks according to established strategy rules, and the virtuous circle promotion system construction of the medium and small enterprises and the bank financing is achieved. The method mainly comprises the following steps:
s1: erecting a plurality of cameras at key points of a factory building of an enterprise, and recording daily actual operation conditions of the enterprise; recording daily attendance records through face recognition; the certain enterprise records daily operation data of the enterprise by using a cloud service platform system; the daily operation data comprises data in the aspects of purchase, sale, production, inventory, fixed assets, cost, finance and attendance;
s2: acquiring daily operation data of the enterprise after the acquisition authorization of the enterprise; meanwhile, external public data corresponding to the location of the enterprise is collected; materials required to be provided for financing are gathered and stored in a financing material submitting subsystem of the cloud service platform system; the external public data comprises local salary level, material price level, house rent, water and electricity fee and oil price of the enterprise;
s3: submitting the materials to a bank platform from a submission window of the financing material submission subsystem or providing account passwords required by bank auditors to log in the financing material submission subsystem;
s4: the bank auditor logs in the financing material submitting subsystem for data checking according to the submitted materials or the provided account password so as to audit the financing qualification of the enterprise;
s5: after the audit is completed, the bank staff feeds the audit result and the obtained audit result back to the submission window of the cloud service platform system, and if the audit is not passed, the reason why the audit is not passed is also fed back, so that the enterprise can improve or perfect the enterprise according to the reason, and the next financing is facilitated.
Further, the CLOUD service platform system is a wisdom meta CLOUD.
Furthermore, the erection of the cameras does not influence the commercial confidentiality of the certain enterprise, and the cameras are used for recording the purchasing process, the quality inspection process, the receiving process, the delivery process, the production process and the production equipment.
Further, the recording process and the recording equipment adopt a video and picture mode for real-time recording.
Furthermore, a factory building door of a certain enterprise is provided with a face recognition attendance system so as to record the daily number of workers on duty of the enterprise, and the authenticity and reliability of the operation data of the enterprise are improved.
Furthermore, the daily operation data and the data recorded by the face recognition attendance system are stored by adopting a block chain technology, so that the data is prevented from being tampered, and the safety and reliability of the data are improved.
Further, according to multiple financing conditions of each enterprise, the cloud service platform system can be screened according to a set rule strategy, high-quality enterprises are recommended to banks, and financing is promoted; the high-quality enterprise is an enterprise with real operation data provided during financing.
The technical scheme provided by the invention has the beneficial effects that: for small and medium-sized enterprises, the cloud service platform system is used for collecting various data to form operation data information required by banks during enterprise financing, real-time videos and pictures of daily operation conditions and a block chain technology used during data storage, so that the real safety and the non-falsification of the data are ensured, materials required for financing are submitted through the financing material submitting subsystem or account passwords of the financing material submitting subsystem are provided for bank workers to log in and check, the financing qualification of a certain enterprise is checked, the authenticity and the reliability of operation data provided during the financing of the small and medium-sized enterprises are improved, the tedious checking link of bank approval is reduced, and the financing business between the enterprises and the banks is facilitated; after the enterprise submits the materials required by financing or the bank confirms that the data of the enterprise is true and accurate, the results of the financing and the reasons for generating the results are specifically informed to the small and medium-sized enterprises, the enterprises can conveniently improve and perfect the enterprises according to the results, and a virtuous circle is formed for the development of the enterprises. For the bank, the bank can directly enter the financing material submitting subsystem for checking, the operation is convenient, and the authenticity of the operation data information submitted by the enterprise and the risk of bank financing are reliably reduced.
Drawings
The invention will be further described with reference to the accompanying drawings and examples, in which:
fig. 1 is a flowchart of a financing management method based on a financing credit system of small and medium-sized enterprises in an embodiment of the present invention.
Detailed Description
For a more clear understanding of the technical features, objects and effects of the present invention, embodiments of the present invention will now be described in detail with reference to the accompanying drawings.
The embodiment of the invention provides a financing management method based on a small and medium-sized enterprise financing credit system.
Referring to fig. 1, fig. 1 is a flowchart of a financing management method based on a financing credit system of a medium-sized and small-sized enterprise in an embodiment of the present invention, which specifically includes the following steps:
s1: erecting a plurality of cameras at key points of a factory building of an enterprise, and recording daily actual operation conditions of the enterprise; recording daily attendance records through face recognition; the certain enterprise records daily operation data of the enterprise by using a cloud service platform system; the daily operation data comprises data in the aspects of purchase, sale, production, inventory, fixed assets, cost, finance and attendance; the data recorded in purchasing aspect includes quality inspection condition, receiving condition and warehousing condition.
The CLOUD service platform system is an wisdom meta CLOUD CLOOUD. The erection of the cameras does not influence the commercial confidentiality of the certain enterprise, and the cameras are erected at key positions of quality inspection, goods receiving and the like and used for recording the processes of quality inspection, goods receiving and the like. The recording process is real-time recording in a video and picture mode. The factory building door of a certain enterprise is provided with a face recognition attendance system so as to record the number of staff of the enterprise and improve the authenticity and reliability of the operation data of the enterprise. The real evidence and the data recorded by the face recognition attendance system are stored by adopting a block chain technology, so that the data is prevented from being tampered, and the safety and reliability of the data are improved. The daily operation data of the enterprise and the data recorded by the camera are synchronous.
S2: acquiring daily operation data of the enterprise after the acquisition authorization of the enterprise; meanwhile, external public data corresponding to the location of the enterprise is collected; materials required to be provided for financing are gathered and stored in a financing material submitting subsystem of the cloud service platform system; because the daily operation data of the enterprise is private to the enterprise, the acquisition of the data of the part needs the authorization of the enterprise to acquire the data; external public data belongs to public resources and can be directly acquired without authorization; forming operation data information of the enterprise within a certain period of time by collecting the real evidence, and storing the operation data information in a financing material submitting subsystem of the cloud service platform system; the external public data comprises local salary level, material price level, house renting cost, water and electricity cost, oil price and the like of the enterprise, so that statistical analysis and comparison can be carried out on the external public data and daily operation data, the external public data supplements each other, and the real reliability of the operation data is further ensured.
S3: submitting the operation data information to a bank platform from a submission window of the financing material submission subsystem or submitting an account password required for logging in the financing material submission subsystem to the bank platform;
s4: the bank personnel logs in the financing material submitting subsystem for checking according to the submitted financing material or on line, and checks the financing qualification of the enterprise;
s5: after the audit is completed, the bank staff feeds the audit result and the reason for obtaining the audit result back to the submission window of the cloud service platform system, so that the enterprise can check or modify the audit result conveniently.
If the auditing result is that the loan request is rejected or the loan request amount is less, the bank synchronously feeds back the reason of the result, and the certain enterprise performs internal correction according to the obtained reason, so that the management of the enterprise is improved, and the enterprise prepares for next financing.
According to the multiple financing conditions of each enterprise, the cloud service platform system can automatically screen and recommend high-quality enterprises to banks to promote financing; the high-quality enterprise is an enterprise with real operation data provided during financing.
The invention has the beneficial effects that: for medium and small enterprises, a cloud service platform system is adopted to collect various data to form operation data information required by a bank during enterprise financing, a block chain technology is used during data storage to ensure the safety and the non-falsification of the data, the operation data information is submitted through a financing material submitting subsystem or account passwords required by the financing material submitting subsystem which can be checked in a logging mode are provided for bank workers, so that the bank workers can directly log in and check the financing qualification of a certain enterprise; by statistical analysis and comparison of daily operation data and external public data, the authenticity and reliability of operation data provided by small and medium-sized enterprises during financing are further improved, the tedious checking links of bank approval are reduced, and the enterprise financing is facilitated; after the enterprise submits the data required by financing or the bank confirms that the data of the enterprise are true and accurate, the results of financing and the reasons for generating the results are specifically informed to the small and medium-sized enterprises, so that the enterprises can conveniently carry out corresponding rectification; for example, if the result of the audit is not passed, the enterprise can know that the reason is not passed, such as that credit has a problem, or business management does not meet the standard, or the profit of the asset and debt, and the like, and the medium-sized and small-sized enterprises can perform management and operation for improving enterprise operation after knowing the reasons, so that a good cycle is formed for the development of the enterprises. For the bank, the bank can directly enter the financing material submitting subsystem for checking, the operation is convenient, and the authenticity and the reliability of the operation data information submitted by the enterprise greatly reduce the risk of bank financing.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.

Claims (7)

1. A financing management method based on a medium and small enterprise financing credit system is characterized in that: the method comprises the following steps:
s1: erecting a plurality of cameras at key points of a factory building of an enterprise, and recording daily actual operation conditions of the enterprise; recording daily attendance records through face recognition; the certain enterprise records daily operation data of the enterprise by using a cloud service platform system; the daily operation data comprises data in the aspects of purchase, sale, production, inventory, fixed assets, cost, finance and attendance;
s2: acquiring daily operation data of the enterprise after the acquisition authorization of the enterprise; meanwhile, external public data corresponding to the location of the enterprise is collected; materials required to be provided for financing are gathered and stored in a financing material submitting subsystem of the cloud service platform system; the external public data comprises local salary level, material price level, house rent, water and electricity fee and oil price of the enterprise;
s3: submitting the materials to a bank platform from a submission window of the financing material submission subsystem or providing account passwords required by bank auditors to log in the financing material submission subsystem;
s4: the bank auditor logs in the financing material submitting subsystem for data checking according to the submitted materials or the provided account password so as to audit the financing qualification of the enterprise;
s5: after the audit is completed, the bank staff feeds the audit result and the obtained audit result back to the submission window of the cloud service platform system, and if the audit is not passed, the reason why the audit is not passed is also fed back, so that the enterprise can improve or perfect the enterprise according to the reason, and the next financing is facilitated.
2. The financing management method based on the financing credit system of small and medium-sized enterprises as claimed in claim 1, characterized in that: in step S1, the CLOUD service platform system is an wisdom meta CLOUD.
3. The financing management method based on the financing credit system of small and medium-sized enterprises as claimed in claim 1, characterized in that: in step S1, the erection of the cameras does not affect the business confidentiality of the enterprise, and the cameras are used to record the purchasing process, the quality inspection process, the receiving process, the delivery process, the production process, and the production equipment.
4. The financing management method based on the financing credit system of small and medium-sized enterprises as claimed in claim 1, characterized in that: in step S1, the recording process and apparatus is real-time recording in the form of video and pictures.
5. The financing management method based on the financing credit system of small and medium-sized enterprises as claimed in claim 1, characterized in that: in step S1, a human face recognition attendance system is installed at a doorway of a factory building of an enterprise, so that daily attendance of employees of the enterprise is recorded, and authenticity and reliability of the operation data of the enterprise are improved.
6. The financing management method based on the financing credit system of small and medium-sized enterprises as claimed in claim 5, characterized in that: the daily operation data and the data recorded by the face recognition attendance system are stored by adopting a block chain technology, so that the data is prevented from being tampered, and the safety and the reliability of the data are improved.
7. The financing management method based on the financing credit system of small and medium-sized enterprises as claimed in claim 1, characterized in that: according to the multiple financing conditions of each enterprise, the cloud service platform system can be screened according to a set rule strategy, and high-quality enterprises are recommended to banks to promote financing; the high-quality enterprise is an enterprise with real operation data provided during financing.
CN202011058818.0A 2020-09-30 2020-09-30 Financing management method based on medium and small enterprise financing credit system Pending CN112330436A (en)

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Cited By (1)

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CN113409129A (en) * 2021-06-21 2021-09-17 深圳微众信用科技股份有限公司 Financing admission risk assessment method, device and computer storage medium

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