CN112508686A - Supply chain financial credit line post-processing method and system - Google Patents
Supply chain financial credit line post-processing method and system Download PDFInfo
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Abstract
The embodiment of the application provides a supply chain financial credit line post-processing method and a system, wherein the method comprises the following steps: when the risk value of the enterprise on the chain reaches or exceeds a threshold value, judging whether to recover the credit line; if the credit line does not need to be recovered, judging whether the credit line needs to be frozen or not; if the credit line needs to be frozen, performing full-money freezing or partial freezing according to the credit line to be frozen, informing a financial institution, and if the credit line does not need to be frozen, not performing processing; if the credit line needs to be recovered, the credit line account is completely or partially recovered and updated according to the line to be recovered, and the financial institution is informed; then judging whether to recycle the credit line of the upstream and downstream suppliers of the enterprise, if so, recycling all or part of the credit line according to the credit line to be recycled, and informing a financial institution; the method and the system can freeze or recover the credit line in time when the operation cannot be carried out or contract orders and the like cannot be completed, and effectively protect core enterprises and supply chains.
Description
Technical Field
The application relates to the field of finance, in particular to a supply chain financial credit line post-processing method and system.
Background
Supply chain finance surrounds core enterprises, manages fund flows and logistics of upstream and downstream small and medium-sized enterprises, provides credit through credit binding of the small and medium-sized enterprises and the core enterprises, converts uncontrollable risks of a single enterprise into overall controllable risks of the supply chain enterprises, and achieves mutual profit and win-win of bank-enterprise. The method aims to solve the problems of difficult financing and expensive financing of small and medium-sized enterprises, promote the financial service industry and assist the industry development.
The enterprises in the supply chain can obtain financial services after being granted by the core enterprise. First, the enterprise on the chain obtains credit limits. And after the financial institutions such as banks and warranties evaluate the core enterprises on the supply chain, credit is granted to the core enterprises. After the core enterprise obtains the credit line, the credit line is split and transferred to the primary supplier. The primary supplier can also distribute the credit line to the secondary supplier in the same way (splitting, circulating and the like). After multi-level splitting and circulation, the enterprise on the chain can obtain the credit line. Second, the chain enterprise uses credit. After obtaining the credit line, the enterprise applies for financial services such as financing and loan from the financial institution (capital end) according to the trade relationship such as contract, order, inventory and receivable.
There is a technical reserve for risk control and credit management in supply chain finance. The risk control includes core enterprise assessment before credit granting, enterprise risk assessment before credit granting splitting and circulation, and risk assessment when the enterprise on the chain performs financing business. The credit line management is mainly performed in advance for credit line management such as credit, split, transfer, and liquidation, but is not performed for management of credit line (collection or freezing) after transfer split.
If the core enterprise cannot sense the credit granting condition of the enterprise on the chain, when the enterprise (supplier) on the chain has operation problems or cannot complete orders, contracts or unqualified stocks, the core enterprise cannot timely recover the credit granting amount to be unreasonably used by the enterprise, so that the capital loss and credit decline of the core enterprise are caused, and the financial overall risk control and the open management of the supply chain are not facilitated.
The existing credit line management focuses on establishing, transferring, splitting and clearing the credit line, but core enterprises do not involve freezing or recovering the credit line.
The financial institution opens up credit lines to the core enterprise. And the core enterprise divides (or can not divide) the credit line to transfer to the primary supplier after the wind control evaluation. The primary supplier can reserve the credit line, and can also transfer part (all) of the credit line to the secondary supplier after being split (or not split) after being subjected to wind control evaluation. Through the sequential transmission of all levels, the credit line of the core enterprise is transferred to any enterprise on the chain. In the prior art, a core enterprise cannot sense and manage credit and cannot timely recover credit limit, as shown in a dotted line part of fig. 1. It is still possible to apply for financing loan services from the chain when there is a problem with the operation of the enterprise (supplier) on the chain, resulting in incomplete orders, failure to perform the contract, or defective inventory. At this point, the financial institution's wind control does not necessarily assess or discover the business's problems in time to release the money. When financing expires, the failure of the supplier to pay causes the core enterprise to suffer capital loss and credit decline, increasing the risk on the supply chain.
In conclusion, the credit line management not only needs to be opened and circulated, but also needs to be frozen and recovered in time, so as to form a closed loop of the credit line. Therefore, the benefits of the core enterprises can be effectively protected from being damaged, and the risk on the whole supply chain is reduced.
Disclosure of Invention
Aiming at the problems in the prior art, the application provides a supply chain financial credit line post-processing method and a supply chain financial credit line post-processing system, which can freeze or recover the credit line in time when the operation cannot be carried out or contract orders and the like cannot be completed, so that the risk exposure of a core enterprise can be effectively prevented and controlled, and the core enterprise and a supply chain are effectively protected.
In order to solve at least one of the above problems, the present application provides the following technical solutions:
in a first aspect, the present application provides a supply chain financial credit line post-processing method, including:
when the enterprise risk value of the enterprise on the chain reaches or exceeds a threshold value, judging whether to recover the credit line;
if the credit line does not need to be recovered, judging whether the credit line needs to be frozen or not;
if the credit line needs to be frozen, freezing according to the credit line to be frozen;
when the credit line to be frozen is larger than the credit line held by the enterprise, the credit line is frozen completely, otherwise, the credit line is frozen according to the credit line to be frozen, meanwhile, the potential risk of the enterprise is automatically prompted to financial institutions such as banks, and if the credit line does not need to be frozen, the risk is not processed;
if the credit line needs to be recovered, judging whether the credit line to be recovered is smaller than the held credit line;
if the credit limit to be recovered is smaller than the held credit limit, recovering according to the credit limit to be recovered, then updating the credit limit account, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
if the credit limit to be recovered is larger than the held credit limit, recovering all credit limits and updating held account information, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
judging whether credit limit recovery is carried out on upstream and downstream suppliers of the enterprise;
if the credit lines of all levels of upstream and downstream suppliers need to be recovered, the credit lines held by the upstream and downstream suppliers are recovered according to the credit lines to be recovered by the upstream and downstream suppliers, account information of the credit lines of all upstream and downstream enterprises of the enterprise is updated, and meanwhile, the potential risks of the upstream and downstream enterprises corresponding to the enterprise are automatically prompted to financial institutions such as banks.
Further, the credit line to be recovered and the credit line to be frozen are set by the enterprise according to different risk levels.
Further, the credit line to be recovered and the credit line to be frozen are automatically set through data analysis and machine learning.
Furthermore, the upstream and downstream credit line of the enterprise is recovered according to the setting of the linked enterprise, or the relation is judged by machine learning based on frequency and enterprise scale.
In a second aspect, the present application provides a supply chain financial credit line post-processing system, including a credit line post-processing module, where the credit line post-processing module is specifically configured to perform the following steps:
when the enterprise risk value of the enterprise on the chain reaches or exceeds a threshold value, judging whether to recover the credit line;
if the credit line does not need to be recovered, judging whether the credit line needs to be frozen or not;
if the credit line needs to be frozen, freezing according to the credit line to be frozen;
when the credit line to be frozen is larger than the credit line held by the enterprise, the credit line is frozen completely, otherwise, the credit line is frozen according to the credit line to be frozen, meanwhile, the potential risk of the enterprise is automatically prompted to financial institutions such as banks, and if the credit line does not need to be frozen, the risk is not processed;
if the credit line needs to be recovered, judging whether the credit line to be recovered is smaller than the held credit line;
if the credit limit to be recovered is smaller than the held credit limit, recovering according to the credit limit to be recovered, then updating the credit limit account, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
if the credit limit to be recovered is larger than the held credit limit, recovering all credit limits and updating held account information, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
judging whether credit limit recovery is carried out on upstream and downstream suppliers of the enterprise;
if the credit lines of all levels of upstream and downstream suppliers need to be recovered, the credit lines held by the upstream and downstream suppliers are recovered according to the credit lines to be recovered by the upstream and downstream suppliers, account information of the credit lines of all upstream and downstream enterprises of the enterprise is updated, and meanwhile, the potential risks of the upstream and downstream enterprises corresponding to the enterprise are automatically prompted to financial institutions such as banks.
Furthermore, the credit line to be recovered and the credit line to be frozen in the credit line post-processing module are set by the enterprise according to different risk levels.
Furthermore, the credit line to be recovered and the credit line to be frozen in the credit line post-processing module are automatically set in a data analysis and machine learning mode.
Furthermore, the upstream and downstream credit lines of the enterprise in the credit line post-processing module are recovered according to the setting of the linked enterprise, or the relation is judged by machine learning based on frequency and enterprise scale.
In a third aspect, the present application provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the steps of the supply chain financial credit line post-processing method when executing the program.
In a fourth aspect, the present application provides a computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements the steps of the supply chain financial credit line post-processing method.
According to the technical scheme, the supply chain financial credit line post-processing method and the supply chain financial credit line post-processing system can be used for preventing the loss of the core enterprise caused by the fact that the credit line is used by the risky enterprise again and cannot be paid back by recovering the credit line of the enterprises which are strongly related to the credit line of the enterprises which are located at the upstream and the downstream of the enterprise when the risk of the enterprises on the supply chain is found, so that the risk of the core enterprise is reduced, the risk of the supply chain financial system is effectively controlled, and the robustness of the supply chain is improved.
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In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is a schematic flow chart illustrating a supply chain financial credit line post-processing method according to an embodiment of the present application;
FIG. 2 is a diagram illustrating a credit line transfer process in the prior art in an embodiment of the present application;
FIG. 3 is a basic flowchart of a credit line post-processing module in the embodiment of the present application;
FIG. 4 is a detailed flowchart of the post-processing module for credit line in the embodiment of the present application;
FIG. 5 is a basic framework diagram of a credit line monitoring module according to an embodiment of the present application;
fig. 6 is a schematic structural diagram of an electronic device in an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Considering that the existing credit limit management is concentrated on establishing, circulating, splitting and clearing the credit limit, but core enterprises do not involve the problem of freezing or recovering the credit limit, the application provides a supply chain financial credit limit post-processing method and a supply chain financial credit limit post-processing system.
In order to timely freeze or recover the credit line when the operation cannot be carried out or contract orders and the like cannot be completed, so that the risk exposure of a core enterprise can be effectively prevented and controlled, and the core enterprise and a supply chain are protected, the application provides an embodiment of a supply chain financial credit line post-processing method, and referring to fig. 1, the supply chain financial credit line post-processing method specifically comprises the following contents:
step S101: when the enterprise risk value of the enterprise reaches or exceeds a threshold value, judging whether to recover the credit line;
step S102: if the credit line does not need to be recovered, judging whether the credit line needs to be frozen or not;
step S103: if the credit line needs to be frozen, freezing according to the credit line to be frozen;
step S104: when the credit line to be frozen is larger than the credit line held by the enterprise, the credit line is frozen completely, otherwise, the credit line is frozen according to the credit line to be frozen, meanwhile, the potential risk of the enterprise is automatically prompted to financial institutions such as banks, and if the credit line does not need to be frozen, the risk is not processed;
step S105: if the credit line needs to be recovered, judging whether the credit line to be recovered is smaller than the held credit line;
step S106: if the credit limit to be recovered is smaller than the held credit limit, recovering according to the credit limit to be recovered, then updating the credit limit account, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
step S107: if the credit limit to be recovered is larger than the held credit limit, recovering all credit limits and updating held account information, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
step S108: judging whether credit limit recovery is carried out on upstream and downstream suppliers of the enterprise;
step S109: if the credit lines of all levels of upstream and downstream suppliers need to be recovered, the credit lines held by the upstream and downstream suppliers are recovered according to the credit lines to be recovered by the upstream and downstream suppliers, account information of the credit lines of all upstream and downstream enterprises of the enterprise is updated, and meanwhile, the potential risks of the upstream and downstream enterprises corresponding to the enterprise are automatically prompted to financial institutions such as banks.
As can be seen from the above description, the supply chain financial credit line post-processing method provided in the embodiment of the present application can recover the credit line and the credit line of the enterprise strongly related to the upstream and downstream of the credit line when it is found that the enterprise on the supply chain has a risk, so as to prevent the loss of the core enterprise caused by the fact that the credit line is used by the risky enterprise again and cannot be reimbursed, reduce the risk of the core enterprise, further effectively control the risk of the supply chain financial system, and improve the robustness of the supply chain.
In an embodiment of the supply chain financial credit line post-processing method of the present application, the following may be specifically included:
and the credit line to be recovered and the credit line to be frozen are set by the enterprise according to different risk levels.
In an embodiment of the supply chain financial credit line post-processing method of the present application, the following may be specifically included:
and the credit line to be recovered and the credit line to be frozen are automatically set in a data analysis and machine learning mode.
In an embodiment of the supply chain financial credit line post-processing method of the present application, the following may be specifically included:
and the upstream and downstream credit lines of the enterprise are recovered according to the setting of the linked enterprise, or the relation in the upstream and downstream credit lines is judged by machine learning based on frequency and enterprise scale.
In order to freeze or recover the credit line in time when the operation cannot be carried out or contract orders cannot be completed, so that the risk exposure of a core enterprise can be effectively prevented and controlled, and the core enterprise and a supply chain are effectively protected, the application provides an embodiment of a supply chain financial credit line post-processing system for realizing all or part of the content of the supply chain financial credit line post-processing method, and the supply chain financial credit line post-processing system specifically comprises the following contents: the credit line post-processing module is specifically used for executing the following steps:
when the enterprise risk value of the enterprise on the chain reaches or exceeds a threshold value, judging whether to recover the credit line;
if the credit line does not need to be recovered, judging whether the credit line needs to be frozen or not;
if the credit line needs to be frozen, freezing according to the credit line to be frozen;
when the credit line to be frozen is larger than the credit line held by the enterprise, the credit line is frozen completely, otherwise, the credit line is frozen according to the credit line to be frozen, meanwhile, the potential risk of the enterprise is automatically prompted to financial institutions such as banks, and if the credit line does not need to be frozen, the risk is not processed;
if the credit line needs to be recovered, judging whether the credit line to be recovered is smaller than the held credit line;
if the credit limit to be recovered is smaller than the held credit limit, recovering according to the credit limit to be recovered, then updating the credit limit account, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
if the credit limit to be recovered is larger than the held credit limit, recovering all credit limits and updating held account information, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
judging whether credit limit recovery is carried out on upstream and downstream suppliers of the enterprise;
if the credit lines of all levels of upstream and downstream suppliers need to be recovered, the credit lines held by the upstream and downstream suppliers are recovered according to the credit lines to be recovered by the upstream and downstream suppliers, account information of the credit lines of all upstream and downstream enterprises of the enterprise is updated, and meanwhile, the potential risks of the upstream and downstream enterprises corresponding to the enterprise are automatically prompted to financial institutions such as banks.
As can be seen from the above description, the supply chain financial credit line post-processing system provided in the embodiment of the present application can recover the credit line and the credit line of the enterprise strongly related to the upstream and downstream of the credit line when it is found that the enterprise on the supply chain has a risk, so as to prevent the loss of the core enterprise caused by the fact that the credit line is used by the risky enterprise again and cannot be reimbursed, reduce the risk of the core enterprise, further effectively control the risk of the supply chain financial system, and improve the robustness of the supply chain.
In an embodiment of the supply chain financial credit line post-processing system of the present application, the following contents are further included:
the credit line to be recovered and the credit line to be frozen in the credit line post-processing module are set by the enterprise according to different risk levels.
In an embodiment of the supply chain financial credit line post-processing system of the present application, the following contents are further included:
the credit line to be recovered and the credit line to be frozen in the credit line post-processing module are automatically set in a data analysis and machine learning mode.
In an embodiment of the supply chain financial credit line post-processing system of the present application, the following contents are further included:
the upstream and downstream credit lines of the enterprise in the credit line post-processing module are collected according to the setting of the linked enterprise, or the relation is judged by machine learning based on frequency and enterprise scale.
To further explain the scheme, the present application further provides a specific application example of implementing the supply chain financial credit line post-processing method by using the supply chain financial credit line post-processing system, which specifically includes the following contents:
as shown in fig. 2, the financial institution opens credit lines to the core enterprise. And the core enterprise divides (or can not divide) the credit line to transfer to the primary supplier after the wind control evaluation. The primary supplier can reserve the credit line, and can also transfer part (all) of the credit line to the secondary supplier after being split (or not split) after being subjected to wind control evaluation. All levels are transmitted in sequence, and the credit line of the core enterprise is transferred to any enterprise on the chain. In the prior art, a core enterprise cannot sense and manage credit and cannot timely recover credit limit, as shown in a dotted line part of fig. 1. It is still possible to apply for financing loan services from the chain when there is a problem with the operation of the enterprise (supplier) on the chain, resulting in incomplete orders, failure to perform the contract, or defective inventory. At this point, the financial institution's wind control does not necessarily assess or discover the business's problems in time to release the money. When financing expires, the failure of the supplier to pay causes the core enterprise to suffer capital loss and credit decline, increasing the risk on the supply chain.
In conclusion, the credit line management not only needs to be opened and circulated, but also needs to be frozen and recovered in time, so as to form a closed loop of the credit line. Therefore, the benefits of the core enterprises can be effectively protected from being damaged, and the risk on the whole supply chain is reduced.
The core idea of the credit line post-processing module is that after the enterprise on the chain has risks, the core enterprise can freeze or recover the enterprise line and other enterprise lines on the chain influenced by the enterprise in time. The credit line post-processing has the following three scenes:
1) the upstream and downstream of a provider on a certain level of chain strongly depend on the enterprise, when the enterprise cannot supply goods to the core enterprise on the upstream and downstream because the enterprise cannot complete contracts or orders due to self risks, the core enterprise has the right to recover credit lines of the enterprise and the upstream and downstream enterprises;
2) if a problem occurs in a certain level of provider on the chain and the supply of upstream and downstream enterprises to core enterprises is not influenced (if the problem enterprise in the chain is an agent enterprise), only the credit line of the enterprise needs to be recovered;
3) if a problem occurs in a supplier at a certain level on the chain but the production operation is still possible to be recovered, the credit line granted by the enterprise is frozen.
As shown in fig. 3, when a risk is evaluated, a risk of an enterprise in the chain is found, and the wind control or early warning module reports the risk to the credit line post-processing module. And the credit line post-processing module freezes the enterprise or recovers the credit line according to the risk level and also judges whether the upstream supplier of the enterprise recovers the credit line. And then the credit line of the enterprise is involved in the credit line account updating chain. Finally, the financial institution such as bank is informed to explain the risk condition of the enterprise.
The detailed processing flow of the credit line post-processing module is specifically shown in fig. 4, and specifically includes the following steps:
1) when the enterprise on the chain has risks, namely the risk value of the enterprise reaches or exceeds the threshold value, the core enterprise judges whether to recover the credit line.
2) If the credit line does not need to be recovered, the enterprise risk is low, and whether the credit line needs to be frozen or not needs to be judged. And if the credit line needs to be frozen, freezing according to the credit line to be frozen. And when the credit line to be frozen is larger than the credit line held by the enterprise, freezing all the credit lines, or freezing according to the credit line to be frozen. And simultaneously, financial institutions such as banks and the like are automatically prompted for possible risks of the enterprise. If the credit limit does not need to be frozen, the process is not carried out, and the process is ended.
3) If the credit line needs to be recovered, the credit line to be recovered needs to be checked to be smaller than the held credit line.
4) If the credit line to be recovered is smaller than the held credit line, the credit line is recovered according to the credit line to be recovered, and then the credit line account is updated. And simultaneously, financial institutions such as banks and the like are automatically prompted for possible risks of the enterprise.
5) If the credit line to be recovered is larger than the held credit line, which indicates that the enterprise has a high risk, the core enterprise needs to recover all the credit lines and update the held account information. And simultaneously, financial institutions such as banks and the like are automatically prompted for possible risks of the enterprise.
6) It is also necessary to determine whether to credit the upstream and downstream suppliers of the enterprise.
7) If the credit line of each level of upstream and downstream suppliers needs to be recovered, the credit line held by each level of upstream and downstream suppliers needs to be recovered according to the credit line to be recovered, and account information of the credit line of all upstream and downstream enterprises (including core enterprises) of the enterprise is updated. And meanwhile, the risk of the corresponding upstream and downstream enterprises of the financial institutions such as banks is automatically prompted.
8) If the recovery is not needed, the whole flow process is finished, and the process is finished.
The credit to be recovered (or the credit to be frozen) can be set by a core enterprise according to different risk levels, and the credit to be frozen and the credit to be recovered can also be automatically set in a data analysis and machine learning mode. The credit line of upstream and downstream enterprises on the chain is recovered, and the relation can be judged by machine learning and the like based on the frequency, the enterprise scale and other conditions according to the setting of the enterprises on the chain.
In addition, the invention also provides a credit line account management module.
Referring to fig. 5, the module mainly manages the change of the credit line of each enterprise in the supply chain, including but not limited to the holding account of the credit line of the enterprise, the circulation account of the credit line, the frozen account of the credit line, the recycled account of the credit line of the core enterprise, and the related information of the enterprise.
When the credit line of the enterprise on the chain changes, the credit line information in the credit line management module needs to be updated, as shown in fig. 5. When the core enterprise opens the credit line, the credit line account management module updates the credit line account of the core enterprise in real time. When the credit line on the supply chain is circulated, the circulation account of the outflow enterprise credit line and the account of the inflow enterprise holding the credit line are updated. When the freezing happens, the credit line management account updates the account information of the frozen credit line. When the core enterprise recovers the credit line, the recovered enterprise, the upstream and downstream enterprises (if recovered) credit line holding account and the credit line recovered account of the recovered enterprise, and the credit line holding account and the recovery account of the core enterprise are updated.
As can be seen from the above, the present application can achieve at least the following technical effects:
when the risk of an enterprise on the supply chain is found, the credit line and the credit lines of the enterprises which are strongly related to the upstream and the downstream of the enterprise can be recovered, so that the loss of the core enterprise caused by the fact that the credit line is used by the risky enterprise again and cannot be refunded is prevented, the risk of the core enterprise is reduced, the risk of a financial system of the supply chain is effectively controlled, and the robustness of the supply chain is improved.
After the core enterprise recovers the credit line, the core enterprise can split and circulate the credit line again, so that the credit line is reasonably and effectively utilized, and the improvement of the financial service application efficiency of the supply chain is facilitated.
The credit line management module provided by the text for the first time can help to improve the line management efficiency and help enterprises and operators in a chain to quickly position and search credit line information.
In order to timely freeze or recover the credit line when the operation cannot be performed or contract orders cannot be completed on a hardware level, so that the risk exposure of a core enterprise can be effectively prevented and controlled, and the core enterprise and a supply chain are effectively protected, the application provides an embodiment of an electronic device for realizing all or part of contents in the supply chain financial credit line post-processing method, and the electronic device specifically comprises the following contents:
a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between the supply chain financial credit line post-processing system and relevant equipment such as a core service system, a user terminal and a relevant database; the logic controller may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the logic controller may be implemented with reference to the embodiment of the supply chain financial credit line post-processing method and the embodiment of the supply chain financial credit line post-processing system in the embodiment, and the contents thereof are incorporated herein, and repeated descriptions thereof are omitted.
It is understood that the user terminal may include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a Personal Digital Assistant (PDA), an in-vehicle device, a smart wearable device, and the like. Wherein, intelligence wearing equipment can include intelligent glasses, intelligent wrist-watch, intelligent bracelet etc..
In practical applications, part of the supply chain financial credit line post-processing method may be executed on the electronic device side as described above, or all operations may be completed in the client device. The selection may be specifically performed according to the processing capability of the client device, the limitation of the user usage scenario, and the like. This is not a limitation of the present application. The client device may further include a processor if all operations are performed in the client device.
The client device may have a communication module (i.e., a communication unit), and may be communicatively connected to a remote server to implement data transmission with the server. The server may include a server on the task scheduling center side, and in other implementation scenarios, the server may also include a server on an intermediate platform, for example, a server on a third-party server platform that is communicatively linked to the task scheduling center server. The server may include a single computer device, or may include a server cluster formed by a plurality of servers, or a server structure of a distributed apparatus.
Fig. 6 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 6, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this FIG. 6 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.
In one embodiment, the function of the supply chain financial credit line post-processing method may be integrated into the central processing unit 9100. The central processor 9100 may be configured to control as follows:
step S101: when the enterprise risk value of the enterprise on the chain reaches or exceeds a threshold value, judging whether to recover the credit line;
step S102: if the credit line does not need to be recovered, judging whether the credit line needs to be frozen or not;
step S103: if the credit line needs to be frozen, freezing according to the credit line to be frozen;
step S104: when the credit line to be frozen is larger than the credit line held by the enterprise, the credit line is frozen completely, otherwise, the credit line is frozen according to the credit line to be frozen, meanwhile, the potential risk of the enterprise is automatically prompted to financial institutions such as banks, and if the credit line does not need to be frozen, the risk is not processed;
step S105: if the credit line needs to be recovered, judging whether the credit line to be recovered is smaller than the held credit line;
step S106: if the credit limit to be recovered is smaller than the held credit limit, recovering according to the credit limit to be recovered, then updating the credit limit account, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
step S107: if the credit limit to be recovered is larger than the held credit limit, recovering all credit limits and updating held account information, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
step S108: judging whether credit limit recovery is carried out on upstream and downstream suppliers of the enterprise;
step S109: if the credit lines of all levels of upstream and downstream suppliers need to be recovered, the credit lines held by the upstream and downstream suppliers are recovered according to the credit lines to be recovered by the upstream and downstream suppliers, account information of the credit lines of all upstream and downstream enterprises of the enterprise is updated, and meanwhile, the potential risks of the upstream and downstream enterprises corresponding to the enterprise are automatically prompted to financial institutions such as banks.
As can be seen from the above description, according to the electronic device provided in the embodiment of the present application, when it is found that an enterprise on a supply chain has a risk, the credit line and the credit line of the enterprise strongly related to the upstream and the downstream of the enterprise can be recovered, so that the loss of a core enterprise caused by the fact that the credit line is used by the risky enterprise again and cannot be reimbursed is prevented, the risk of the core enterprise is reduced, the risk of a financial system of the supply chain is effectively controlled, and the robustness of the supply chain is improved.
In another embodiment, the supply chain financial credit line post-processing system may be configured separately from the central processor 9100, for example, the supply chain financial credit line post-processing system may be configured as a chip connected to the central processor 9100, and the supply chain financial credit line post-processing method function may be implemented by the control of the central processor.
As shown in fig. 6, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 6; further, the electronic device 9600 may further include components not shown in fig. 6, which may be referred to in the art.
As shown in fig. 6, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.
The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.
The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.
The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.
The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).
The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.
An embodiment of the present application further provides a computer-readable storage medium capable of implementing all steps in the supply chain financial credit line post-processing method in which the execution subject is the server or the client in the above embodiment, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the computer program implements all steps of the supply chain financial credit line post-processing method in which the execution subject is the server or the client, for example, when the processor executes the computer program, the processor implements the following steps:
step S101: when the enterprise risk value of the enterprise on the chain reaches or exceeds a threshold value, judging whether to recover the credit line;
step S102: if the credit line does not need to be recovered, judging whether the credit line needs to be frozen or not;
step S103: if the credit line needs to be frozen, freezing according to the credit line to be frozen;
step S104: when the credit line to be frozen is larger than the credit line held by the enterprise, the credit line is frozen completely, otherwise, the credit line is frozen according to the credit line to be frozen, meanwhile, the potential risk of the enterprise is automatically prompted to financial institutions such as banks, and if the credit line does not need to be frozen, the risk is not processed;
step S105: if the credit line needs to be recovered, judging whether the credit line to be recovered is smaller than the held credit line;
step S106: if the credit limit to be recovered is smaller than the held credit limit, recovering according to the credit limit to be recovered, then updating the credit limit account, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
step S107: if the credit limit to be recovered is larger than the held credit limit, recovering all credit limits and updating held account information, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
step S108: judging whether credit limit recovery is carried out on upstream and downstream suppliers of the enterprise;
step S109: if the credit lines of all levels of upstream and downstream suppliers need to be recovered, the credit lines held by the upstream and downstream suppliers are recovered according to the credit lines to be recovered by the upstream and downstream suppliers, account information of the credit lines of all upstream and downstream enterprises of the enterprise is updated, and meanwhile, the potential risks of the upstream and downstream enterprises corresponding to the enterprise are automatically prompted to financial institutions such as banks.
As can be seen from the above description, the computer-readable storage medium provided in the embodiment of the present application can recover the credit line and the credit lines of the enterprises strongly related to the upstream and downstream of the enterprise when the enterprise on the supply chain is found to have a risk, so as to prevent the loss of the core enterprise caused by the unrepension of the credit line used by the risky enterprise, reduce the risk of the core enterprise, further effectively control the risk of the supply chain financial system, and improve the robustness of the supply chain.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (devices), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. A supply chain financial credit line post-processing method is characterized by comprising the following steps:
when the enterprise risk value of the enterprise on the chain reaches or exceeds a threshold value, judging whether to recover the credit line;
if the credit line does not need to be recovered, judging whether the credit line needs to be frozen or not;
if the credit line needs to be frozen, freezing according to the credit line to be frozen;
when the credit line to be frozen is larger than the credit line held by the enterprise, the credit line is frozen completely, otherwise, the credit line is frozen according to the credit line to be frozen, meanwhile, the potential risk of the enterprise is automatically prompted to financial institutions such as banks, and if the credit line does not need to be frozen, the risk is not processed;
if the credit line needs to be recovered, judging whether the credit line to be recovered is smaller than the held credit line;
if the credit limit to be recovered is smaller than the held credit limit, recovering according to the credit limit to be recovered, then updating the credit limit account, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
if the credit limit to be recovered is larger than the held credit limit, recovering all credit limits and updating held account information, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
judging whether credit limit recovery is carried out on upstream and downstream suppliers of the enterprise;
if the credit lines of all levels of upstream and downstream suppliers need to be recovered, the credit lines of all levels of upstream and downstream suppliers are recovered according to the credit lines to be recovered, account information of all upstream and downstream enterprises of the enterprise is updated, and meanwhile, possible risks of the enterprise corresponding to the upstream and downstream enterprises are automatically prompted to financial institutions such as banks.
2. The supply chain financial credit line post-processing method as claimed in claim 1, wherein the credit line to be recovered and the credit line to be frozen are set by the enterprise according to different risk levels.
3. The supply chain financial credit line post-processing method as claimed in claim 1, wherein the credit line to be recovered and the credit line to be frozen are automatically set by data analysis and machine learning.
4. The supply chain financial credit line post-processing method as claimed in claim 1, wherein the upstream and downstream credit line recycling of the enterprise judges the relationship thereof according to the setting of the enterprise on the chain or by machine learning based on frequency and enterprise scale.
5. The supply chain financial credit line post-processing device is characterized by comprising a credit line post-processing module, wherein the credit line post-processing module is specifically used for executing the following steps:
when the enterprise risk value of the enterprise on the chain reaches or exceeds a threshold value, judging whether to recover the credit line;
if the credit line does not need to be recovered, judging whether the credit line needs to be frozen or not;
if the credit line needs to be frozen, freezing according to the credit line to be frozen;
when the credit line to be frozen is larger than the credit line held by the enterprise, the credit line is frozen completely, otherwise, the credit line is frozen according to the credit line to be frozen, meanwhile, the potential risk of the enterprise is automatically prompted to financial institutions such as banks, and if the credit line does not need to be frozen, the risk is not processed;
if the credit line needs to be recovered, judging whether the credit line to be recovered is smaller than the held credit line;
if the credit line to be recovered is smaller than the held credit line, recovering according to the credit line to be recovered, then updating the credit line account, and simultaneously automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
if the credit limit to be recovered is larger than the held credit limit, recovering all credit limits and updating held account information, and automatically prompting the possible risks of the enterprise of financial institutions such as banks and the like;
judging whether credit limit recovery is carried out on upstream and downstream suppliers of the enterprise;
if the credit lines of all levels of upstream and downstream suppliers need to be recovered, the credit lines held by the upstream and downstream suppliers are recovered according to the credit lines to be recovered by the upstream and downstream suppliers, account information of the credit lines of all upstream and downstream enterprises of the enterprise is updated, and meanwhile, the potential risks of the upstream and downstream enterprises corresponding to the enterprise are automatically prompted to financial institutions such as banks.
6. The supply chain financial credit line post-processing device of claim 5, wherein the credit line to be recovered and the credit line to be frozen in the credit line post-processing module are set by the enterprise according to different risk levels.
7. The supply chain financial credit line post-processing device of claim 5, wherein the credit line to be recovered and the credit line to be frozen in the credit line post-processing module are automatically set by data analysis and machine learning.
8. The supply chain financial credit line post-processing device according to claim 5, wherein the enterprise upstream and downstream credit line in the credit line post-processing module is collected to determine the relationship according to the settings of the enterprise on the chain or by machine learning based on frequency and enterprise scale.
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 implements the steps of the supply chain financial credit line post-processing method of any one of claims 1 to 4 when executing the program.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the supply chain financial credit line post-processing method of any one of claims 1 to 4.
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