CN113052705A - Supply chain financial service process management method and device - Google Patents
Supply chain financial service process management method and device Download PDFInfo
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Abstract
The application discloses a supply chain financial service process management method and a device, firstly, according to first data information and a preset financial scheme which are respectively provided by an financing party and a funding party, intelligent matching of the preset financial scheme is carried out for the financing party, then according to credit application sent by the financing party, an enterprise evaluation report of the financing party is automatically generated for the funding party, credit amount of the financing party is approved and approved, and full-digital, automatic and intelligent full-process real-time, dynamic and automatic risk control and early warning management are integrally realized, so that service efficiency and service breadth are improved, and full service is provided for the financing party and the funding party in a two-way mode.
Description
Technical Field
The application relates to the technical field of supply chain finance, in particular to a supply chain financial service process management method and device.
Background
Traditional supply chain financial service processes combine online and offline services, wind control at certain key nodes is not free of manual field execution, and most decisions need to be processed manually. With the online of the digital cross-border service trading platform, the supply chain financial service also enters a new era of online processing.
Therefore, aiming at the financial service of the supply chain, a full-digital, automatic and intelligent full-flow real-time, dynamic and automatic risk control and early warning management method is required to be provided, so that the service efficiency and the service breadth are improved, and the integral service is provided for the financing party and the fund party in two ways.
Disclosure of Invention
The application provides a supply chain financial service process management method and device, which realize full-digital, automatic and intelligent full-process real-time, dynamic and automatic risk control and early warning management, thereby improving service efficiency and service breadth and providing integral service for financers and funders in two ways.
In view of the above, a first aspect of the present application provides a supply chain financial service process management method, including:
receiving a data authorization instruction of a financing party sent by a first client;
acquiring first data information of the financing party according to the data authorization instruction;
receiving a preset financial scheme of a fund party sent by a second client;
carrying out data preprocessing on the basic information of the fund party and the preset financial scheme, and constructing a preset financial scheme matching model;
the first data information is used as the input of the preset financial scheme matching model to obtain the matching values of the financing party and the preset financial scheme, and the matching values are arranged in a descending order to be recommended to the first client side for display;
receiving an intention-to-credit application sent by the first client, wherein the intention-to-credit application carries the preset financial scheme selected by the financing party;
generating an enterprise evaluation report of the financing party according to the first data information and the credit intention application;
sending the enterprise evaluation report to the second client, examining and approving the credit line of the financing party by the second client, and returning an examination and approval receipt;
and updating the credit line of the preset financial scheme for the financing party according to the approval receipt.
Optionally, the method further comprises:
receiving a credit application of the financing party sent by the first client, wherein the credit application comprises a selected preset financial scheme and an asset selected as a subject matter;
calculating the value of the asset by using a preset value evaluation model, and simultaneously carrying out wind control screening on the financing party by using a preset wind control model to judge whether the financing party meets the wind control admission requirement;
sending the credit application of the financing party screened by wind control and the value of the asset to the second client;
receiving a letter approval returned by the second client;
if the credit approval is approval, generating an electronic protocol comprising the financing party, the funding party, the preset financial scheme and the assets;
the electronic protocol is sequentially sent to the first client and the second client, so that the financing party signs the electronic protocol through the first client and then signs the electronic protocol through the second client;
and after the fund party deposits money, receiving a money depositing notification sent by the second client side, and forwarding the money depositing notification to the first client side.
Optionally, the method further comprises:
receiving a preset wind control rule sent by the second client;
and after receiving the payment release notice, carrying out real-time information monitoring on the financing party according to the preset wind control rule, and carrying out real-time locking monitoring on the assets.
Optionally, the method further comprises:
receiving an asset flowing application of the financing party sent by the first client;
calculating the current value of the asset by using the preset value evaluation model;
determining the risk exposure of the financing party according to the preset wind control rule and the asset flowing application, and examining and approving the asset flowing application;
and sending the examination and approval result of the asset flowing application to the second client.
Optionally, the method further comprises:
receiving a repayment application and a fund transfer instruction sent by the first client;
completing the transfer of the repayment fund of the financing party according to the repayment application and the fund transfer instruction;
and sending the result of transferring the repayment fund of the financing party to the second client side, so that the second client side checks and cancels the money and releases the credit line of the financing party.
A second aspect of the present application provides a supply chain financial service process management apparatus, the apparatus comprising:
the first receiving unit is used for receiving a data authorization instruction of the financing party sent by the first client;
the acquisition unit is used for acquiring first data information of the financing party according to the data authorization instruction;
the second receiving unit is used for receiving the preset financial scheme of the fund party sent by the second client;
the construction unit is used for carrying out data preprocessing on the basic information of the fund party and the preset financial scheme and constructing a preset financial scheme matching model;
the recommending unit is used for inputting the first data information as the preset financial scheme matching model to obtain the matching values of the financing party and the preset financial scheme, and recommending and displaying the matching values to the first client side in a descending order;
a third receiving unit, configured to receive an intention-to-credit application sent by the first client, where the intention-to-credit application carries the preset financial scheme selected by the financing party;
the evaluation unit is used for generating an enterprise evaluation report of the financing party according to the first data information and the credit intention application;
the first sending unit is used for sending the enterprise evaluation report to the second client, and the second client examines and approves the credit line of the financing party and returns an examination and approval receipt;
and the updating unit is used for updating the credit line of the preset financial scheme for the financing party according to the approval receipt.
Optionally, the method further comprises:
a fourth receiving unit, configured to receive a credit application of the financing party sent by the first client, where the credit application includes a selected preset financial scheme and an asset selected as a subject matter;
the wind control unit is used for calculating the value of the asset by using a preset value evaluation model, and meanwhile, wind control screening is carried out on the financing party by using a preset wind control model to judge whether the financing party meets the wind control admission requirement;
the second sending unit is used for sending the credit application of the financing party screened by wind control and the value of the asset to the second client;
a fifth receiving unit, configured to receive a credit approval returned by the second client;
the agreement generating unit is used for generating an electronic agreement containing the financing party, the funding party, the preset financial scheme and the assets if the credit approval is approval;
a third sending unit, configured to send the electronic agreement to the first client and the second client in sequence, so that the financing party signs the electronic agreement through the first client and then signs the electronic agreement through the second client;
and the sixth receiving unit is used for receiving the deposit notice sent by the second client after the fund is deposited by the fund side and forwarding the deposit notice to the first client.
Optionally, the method further comprises:
a seventh receiving unit, configured to receive a preset wind control rule sent by the second client;
and the monitoring unit is used for monitoring the real-time information of the financing party according to the preset wind control rule and locking and monitoring the assets in real time after receiving the payment notification.
Optionally, the method further comprises:
an eighth receiving unit, configured to receive an asset movement application of the financing party sent by the first client;
the value evaluation unit is used for calculating the current value of the asset by utilizing the preset value evaluation model;
the examination and approval unit is used for determining the risk exposure of the financing party according to the preset wind control rule and the asset flowing application and examining and approving the asset flowing application;
and the fourth sending unit is used for sending the approval result of the asset flow application to the second client.
Optionally, the method further comprises:
a ninth receiving unit, configured to receive a repayment application and a fund transfer instruction sent by the first client;
the fund transfer unit is used for completing the transfer of the repayment fund of the financing party according to the repayment application and the fund transfer instruction;
and the fifth sending unit is used for sending the repayment fund transfer result of the financing party to the second client side, so that the second client side checks and pays money and releases the credit line of the financing party.
According to the technical scheme, the embodiment of the application has the following advantages:
according to the method, firstly, according to first data information and a preset financial scheme which are respectively provided by an financing party and a funding party, intelligent matching of the preset financial scheme is carried out on the financing party, then according to a credit application sent by the financing party, an enterprise evaluation report of the financing party is automatically generated for the funding party, credit lines of the financing party are approved and approved, and management of full-digital, automatic and intelligent full-flow real-time, dynamic and automatic risk control and early warning is integrally realized, so that service efficiency and service breadth are improved, and integral service is provided for the financing party and the funding party in a two-way mode.
Drawings
FIG. 1 is a flowchart of a pre-credit approval method of a supply chain financial service process management method according to an embodiment of the present application;
FIG. 2 is a flowchart of a method for loan approval in a method for supply chain financial services process management according to an embodiment of the present disclosure;
FIG. 3 is a flowchart illustrating a method for post-loan wind control of a supply chain financial service process management method according to an embodiment of the present disclosure;
FIG. 4 is a flowchart of a post-loan asset movement approval method of a supply chain financial service process management method according to an embodiment of the present application;
FIG. 5 is a flowchart of a method for post-loan transfer of a supply chain financial services process management method according to an embodiment of the present application;
FIG. 6 is a first schematic diagram of a supply chain financial services process management apparatus according to an embodiment of the present disclosure;
FIG. 7 is a second schematic diagram of an embodiment of a supply chain financial services process management apparatus;
FIG. 8 is a third schematic diagram of a supply chain financial services process management apparatus according to an embodiment of the present application;
FIG. 9 is a fourth schematic diagram illustrating an embodiment of a supply chain financial services process management apparatus according to the present application;
fig. 10 is a fifth structural diagram of a supply chain financial service process management apparatus according to an embodiment of the present application.
Detailed Description
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
The application designs a supply chain financial service process management method and device, which realizes full-digital, automatic and intelligent full-process real-time, dynamic and automatic risk control and early warning management, thereby improving service efficiency and service breadth and providing integral service for financers and funders in two ways.
For convenience of understanding, please refer to fig. 1, in which fig. 1 is a flowchart illustrating a method for pre-credit approval of a supply chain financial service process management method according to an embodiment of the present application, and as shown in fig. 1, the method specifically includes:
101. receiving a data authorization instruction of a financing party sent by a first client;
it should be noted that, first, it is necessary to receive a data authorization instruction sent by the financing party through the first client, so as to allow the data information related to the financing party to be acquired.
102. Acquiring first data information of an information fusion party according to a data authorization instruction;
it should be noted that, according to the data authorization instruction, the first data information of the financing party may be collected, and the first data information may include financial information, business information, judicial information, credit investigation information, behavior data information, business data information, and the like.
103. Receiving a preset financial scheme of a fund party sent by a second client;
it should be noted that after the agreement is reached with the funding party through the second client, the preset financial plan sent by the funding party through the second client is received, and the preset financial plan includes financial product information, financing party requirement information, and the like.
104. Performing data preprocessing on second data information of a fund party and a preset financial scheme, and constructing a preset financial scheme matching model;
it should be noted that after receiving the preset financial scheme sent by the fund party, the data preprocessing is performed on the second data information of the fund party and the preset financial scheme, mainly performing structured cleaning, and performing index preprocessing on the data, including null value, abnormal value, non-standard value, operation processing, and the like, so as to obtain standard data. And further performing index analysis on the standard data, and refining effective indexes, namely index data, which have influence on the machine learning model by performing weighting, summarizing, operation and other processing on the standard data. And finally, training the machine learning model by taking the index data as training data to obtain a preset financial scheme matching model, wherein the machine learning model comprises but is not limited to a collaborative filtering model, a factorization model, a GBDT + LR model and a deep FM model. It is conceivable that a plurality of machine learning models may be trained simultaneously, and in the actual matching process, the most suitable machine learning model is matched as the preset financial plan matching model.
105. The first data information is used as the input of a preset financial scheme matching model to obtain matching values of the financing party and the preset financial scheme, and recommendation display is carried out on the matching values in a descending order to the first client;
it should be noted that the collected first data information is used as an input of a preset financial scheme matching model, and a matching value between the first data information of the financing party and a preset financial scheme is calculated by the preset financial scheme matching model, so that according to a sorting result of the matching values from high to low, the preset financial schemes in the previous preset number are recommended and displayed to the financing party for the financing party to select.
106. Receiving an intention-to-credit application sent by a first client, wherein the intention-to-credit application carries a preset financial scheme selected by a financing party;
it should be noted that, according to the selection performed by the financing party through the first client, the credit granting intention application sent by the first client is received, and the credit granting intention application carries the preset financial scheme selected by the financing party.
107. Generating an enterprise evaluation report of the financing party according to the first data information and the credit intention application;
it should be noted that, the first data information is further combined with the credit intention application, and the enterprise assessment report of the financing party is automatically analyzed and generated in real time.
108. Sending an enterprise evaluation report to the second client, examining and approving the credit line of the sponsor by the second client, and returning an examination and approval receipt;
it should be noted that after the fund assisting party completes the enterprise evaluation report in advance, the enterprise evaluation report is sent to the second client, the second client further examines and approves the credit intention application, determines the credit line of the fund thawing party, and returns an examination and approval receipt.
109. And updating the credit line of the preset financial scheme for the financing party according to the approval receipt.
It should be noted that, according to the approval receipt, the credit line of the financing party for the selected preset financial scheme is updated, and the credit line is not displayed in the unselected preset financial scheme.
According to the method, firstly, the financial scheme is intelligently matched with a financing party according to first data information and a preset financial scheme which are respectively provided by the financing party and the funding party, then, an enterprise evaluation report of the financing party is automatically generated for the funding party according to a credit offer application sent by the financing party, the credit offer of the financing party is approved and approved, and full-digital, automatic and intelligent full-flow real-time, dynamic and automatic risk control and early warning management is integrally realized, so that the service efficiency and the service breadth are improved, and the full service is provided for the financing party and the funding party in a two-way mode.
Referring to fig. 2, fig. 2 is a flowchart of a method for examining and approving a loan in a financial service process management method of a supply chain according to an embodiment of the present application, as shown in fig. 2, specifically:
201. receiving a credit application of a financing party sent by a first client, wherein the credit application comprises a selected preset financial scheme and an asset selected as a subject matter;
it should be noted that, after the financing party obtains the credit line, a credit application may be further sent by the first client, where the credit application includes the selected preset financial plan and the asset selected as the subject matter.
202. Calculating the value of the asset by using a preset value evaluation model, and simultaneously carrying out wind control screening on the financing party by using a preset wind control model to judge whether the financing party meets the wind control admission requirement;
it should be noted that for the assets selected as the subject matter, the value of the assets is calculated through a preset value evaluation model, the preset value evaluation model can comprise the combination of a commodity intelligent classification model and a commodity pledge value model, and the like, the main credit of the financing party is subjected to control and filtering, the financing party is subjected to wind control screening by utilizing a preset wind control model, and whether the financing party meets the wind control admission requirement is judged.
203. Sending the credit application of the financing party screened by the wind control and the value of the asset to a second client;
the credit application of the financer who has passed the wind control screening is sent to the second client together with the value of the asset as the subject matter obtained by the evaluation calculation.
204. Receiving a letter approval returned by the second client;
205. if the approval is passed, generating an electronic protocol comprising the financing party, the fund party, a preset financial scheme and the assets;
it should be noted that if the approval is approved, an electronic agreement is automatically generated according to the basic information of the financing party and the funding party, the preset financial scheme selected by the financing party and the asset selected by the financing party as the subject matter, so as to facilitate the online signing of the financing party and the funding party.
206. The electronic agreement is sent to the first client and the second client in sequence, so that after the financing party signs the electronic agreement through the first client, the financing party signs the electronic agreement through the second client;
207. and after the fund party releases the fund, receiving a deposit notice sent by the second client side and forwarding the deposit notice to the first client side.
Referring to fig. 3, fig. 3 is a flowchart of a post-loan wind control method of a supply chain financial service process management method according to an embodiment of the present application, and as shown in fig. 3, the method specifically includes:
301. receiving a preset wind control rule sent by a second client;
it should be noted that, furthermore, the preset wind control rule after the fund is released, which is sent by the fund party through the second client, may also be received.
302. And after receiving the payment notification, carrying out real-time information monitoring on the financing party according to a preset wind control rule, and carrying out real-time locking monitoring on the assets.
It should be noted that after receiving the payment notification of the financing party from the financing party, the financing party is automatically monitored in real time according to the preset wind control rule, and the information of judicial credit, the operation condition, the public opinion and the repayment level of the financing party is monitored in real time. Meanwhile, real-time locking monitoring is carried out on the assets selected by the financing party as the subject matter.
Referring to fig. 4, fig. 4 is a flowchart of a post-loan asset movement approval method for a supply chain financial service process management method according to an embodiment of the present application, as shown in fig. 4, specifically:
401. receiving an asset flowing application of a financing party sent by a first client;
it should be noted that after the payment, the financing party may also send an asset movement application through the first client for the business requirement.
402. Calculating the current value of the asset by using a preset value evaluation model;
403. determining the risk exposure of the financing party according to a preset wind control rule and the asset flowing application, and approving the asset flowing application;
it should be noted that the risk exposure of the financing party is determined according to the preset wind control rule of the financing party and the asset flow application, so that the asset flow application of the financing party is automatically approved.
404. And sending the approval result of the asset flowing application to the second client.
Referring to fig. 5, fig. 5 is a flowchart of a method for allocating a loan payment in a supply chain financial service process management method according to an embodiment of the present application, as shown in fig. 5, specifically:
501. receiving a repayment application and a fund transfer instruction sent by a first client;
502. completing the transfer of the repayment fund of the financing party according to the repayment application and the fund transfer instruction;
503. and sending the repayment fund transfer result of the financing party to the second client, so that the second client checks and cancels the money and releases the credit line of the financing party.
Referring to fig. 6, fig. 6 is a first schematic structural diagram of a supply chain financial service process management apparatus according to an embodiment of the present application, as shown in fig. 6, specifically:
a first receiving unit 601, configured to receive a data authorization instruction of a financing party sent by a first client;
the acquisition unit 602 is configured to acquire first data information of a financing party according to a data authorization instruction;
a second receiving unit 603, configured to receive a preset financial scenario of the funder sent by the second client;
the constructing unit 604 is configured to perform data preprocessing on the second data information of the funder and the preset financial scheme, and construct a preset financial scheme matching model;
the recommending unit 605 is configured to use the first data information as an input of a preset financial scheme matching model to obtain matching values of the financing party and the preset financial scheme, and recommend and display the matching values to the first client in a descending order;
a third receiving unit 606, configured to receive an intention-to-credit application sent by the first client, where the intention-to-credit application carries a preset financial scheme selected by the financing party;
the evaluation unit 607 is used for generating an enterprise evaluation report of the financing party according to the first data information and the credit intention application;
a first sending unit 608, configured to send an enterprise evaluation report to the second client, where the second client approves and fuses the credit line of the sponsor, and returns an approval receipt;
and the updating unit 609 is used for updating the credit line of the preset financial scheme for the financing party according to the approval receipt.
Further, referring to fig. 7, fig. 7 is a second schematic structural diagram of a supply chain financial service process management apparatus according to an embodiment of the present application, and as shown in fig. 7, the second schematic structural diagram specifically includes:
a fourth receiving unit 701, configured to receive a credit application of the financing party sent by the first client, where the credit application includes a selected preset financial scheme and an asset selected as a subject matter;
the wind control unit 702 is configured to calculate the value of the asset by using a preset value evaluation model, and perform wind control screening on the financing party by using the preset wind control model to determine whether the financing party meets the wind control admission requirement;
a second sending unit 703, configured to send the credit application of the financing party screened through the wind control and the value of the asset to the second client;
a fifth receiving unit 704, configured to receive a trust approval returned by the second client;
a protocol generating unit 705, configured to generate an electronic protocol including an information financing party, a preset financial scheme, and an asset if the approval is passed;
a third sending unit 706, configured to send the electronic agreement to the first client and the second client in sequence, so that after the financing party signs the electronic agreement through the first client, the financing party signs the electronic agreement through the second client;
a sixth receiving unit 707, configured to receive, after the fund is released by the funding party, a deposit notification sent by the second client, and forward the deposit notification to the first client.
Further, referring to fig. 8, fig. 8 is a third schematic structural diagram of a supply chain financial service process management apparatus according to an embodiment of the present application, as shown in fig. 8, specifically including:
a seventh receiving unit 801, configured to receive a preset wind control rule sent by the second client;
and the monitoring unit 802 is configured to perform real-time information monitoring on the financing party according to a preset wind control rule after receiving the payment notification, and perform real-time locking monitoring on the assets.
Further, referring to fig. 9, fig. 9 is a fourth schematic structural diagram of a supply chain financial service process management apparatus according to an embodiment of the present application, and as shown in fig. 9, the fourth schematic structural diagram specifically includes:
an eighth receiving unit 901, configured to receive an asset movement application of a financing party sent by a first client;
a value evaluation unit 902, configured to calculate a current value of the asset by using a preset value evaluation model;
an approval unit 903, configured to determine a risk exposure of the financing party according to a preset wind control rule and an asset flow application, and approve the asset flow application;
a fourth sending unit 904, configured to send an approval result of the asset movement application to the second client.
Further, referring to fig. 10, fig. 10 is a fifth schematic structural diagram of a supply chain financial service process management apparatus according to an embodiment of the present application, as shown in fig. 10, specifically:
a ninth receiving unit 1001, configured to receive a repayment application and a fund transfer instruction sent by the first client;
a fund transfer unit 1002, configured to complete transfer of the repayment fund of the financing party according to the repayment application and the fund transfer instruction;
a fifth sending unit 1003, configured to send a repayment fund transfer result of the financing party to the second client, so that the second client checks and reimburses the money and releases the credit line of the financing party.
It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the above-described systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
The terms "first," "second," "third," "fourth," and the like in the description of the application and the above-described figures, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the application described herein are, for example, capable of operation in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be understood that in the present application, "at least one" means one or more, "a plurality" means two or more. "and/or" for describing an association relationship of associated objects, indicating that there may be three relationships, e.g., "a and/or B" may indicate: only A, only B and both A and B are present, wherein A and B may be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of single item(s) or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", wherein a, b, c may be single or plural.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions in the embodiments of the present application.
Claims (10)
1. A supply chain financial service process management method is characterized by comprising the following steps:
receiving a data authorization instruction of a financing party sent by a first client;
acquiring first data information of the financing party according to the data authorization instruction;
receiving a preset financial scheme of a fund party sent by a second client;
performing data preprocessing on the second data information of the fund party and the preset financial scheme to construct a preset financial scheme matching model;
the first data information is used as the input of the preset financial scheme matching model to obtain the matching values of the financing party and the preset financial scheme, and the matching values are arranged in a descending order to be recommended to the first client side for display;
receiving an intention-to-credit application sent by the first client, wherein the intention-to-credit application carries the preset financial scheme selected by the financing party;
generating an enterprise evaluation report of the financing party according to the first data information and the credit intention application;
sending the enterprise evaluation report to the second client, examining and approving the credit line of the financing party by the second client, and returning an examination and approval receipt;
and updating the credit line of the preset financial scheme for the financing party according to the approval receipt.
2. The supply chain financial service process management method of claim 1, further comprising:
receiving a credit application of the financing party sent by the first client, wherein the credit application comprises a selected preset financial scheme and an asset selected as a subject matter;
calculating the value of the asset by using a preset value evaluation model, and simultaneously carrying out wind control screening on the financing party by using a preset wind control model to judge whether the financing party meets the wind control admission requirement;
sending the credit application of the financing party screened by wind control and the value of the asset to the second client;
receiving a letter approval returned by the second client;
if the credit approval is approval, generating an electronic protocol comprising the financing party, the funding party, the preset financial scheme and the assets;
the electronic protocol is sequentially sent to the first client and the second client, so that the financing party signs the electronic protocol through the first client and then signs the electronic protocol through the second client;
and after the fund party deposits money, receiving a money depositing notification sent by the second client side, and forwarding the money depositing notification to the first client side.
3. The supply chain financial service process management method of claim 2, further comprising:
receiving a preset wind control rule sent by the second client;
and after receiving the payment release notice, carrying out real-time information monitoring on the financing party according to the preset wind control rule, and carrying out real-time locking monitoring on the assets.
4. The supply chain financial service process management method of claim 3, further comprising:
receiving an asset flowing application of the financing party sent by the first client;
calculating the current value of the asset by using the preset value evaluation model;
determining the risk exposure of the financing party according to the preset wind control rule and the asset flowing application, and examining and approving the asset flowing application;
and sending the examination and approval result of the asset flowing application to the second client.
5. The supply chain financial service process management method of claim 4, further comprising:
receiving a repayment application and a fund transfer instruction sent by the first client;
completing the transfer of the repayment fund of the financing party according to the repayment application and the fund transfer instruction;
and sending the result of transferring the repayment fund of the financing party to the second client side, so that the second client side checks and cancels the money and releases the credit line of the financing party.
6. A supply chain financial services process management apparatus, comprising:
the first receiving unit is used for receiving a data authorization instruction of the financing party sent by the first client;
the acquisition unit is used for acquiring first data information of the financing party according to the data authorization instruction;
the second receiving unit is used for receiving the preset financial scheme of the fund party sent by the second client;
the construction unit is used for carrying out data preprocessing on the second data information of the fund party and the preset financial scheme and constructing a preset financial scheme matching model;
the recommending unit is used for inputting the first data information as the preset financial scheme matching model to obtain the matching values of the financing party and the preset financial scheme, and recommending and displaying the matching values to the first client side in a descending order;
a third receiving unit, configured to receive an intention-to-credit application sent by the first client, where the intention-to-credit application carries the preset financial scheme selected by the financing party;
the evaluation unit is used for generating an enterprise evaluation report of the financing party according to the first data information and the credit intention application;
the first sending unit is used for sending the enterprise evaluation report to the second client, and the second client examines and approves the credit line of the financing party and returns an examination and approval receipt;
and the updating unit is used for updating the credit line of the preset financial scheme for the financing party according to the approval receipt.
7. The supply chain financial service process management apparatus of claim 6, further comprising:
a fourth receiving unit, configured to receive a credit application of the financing party sent by the first client, where the credit application includes a selected preset financial scheme and an asset selected as a subject matter;
the wind control unit is used for calculating the value of the asset by using a preset value evaluation model, and meanwhile, wind control screening is carried out on the financing party by using a preset wind control model to judge whether the financing party meets the wind control admission requirement;
the second sending unit is used for sending the credit application of the financing party screened by wind control and the value of the asset to the second client;
a fifth receiving unit, configured to receive a credit approval returned by the second client;
the agreement generating unit is used for generating an electronic agreement containing the financing party, the funding party, the preset financial scheme and the assets if the credit approval is approval;
a third sending unit, configured to send the electronic agreement to the first client and the second client in sequence, so that the financing party signs the electronic agreement through the first client and then signs the electronic agreement through the second client;
and the sixth receiving unit is used for receiving the deposit notice sent by the second client after the fund is deposited by the fund side and forwarding the deposit notice to the first client.
8. The supply chain financial service process management apparatus of claim 7, further comprising:
a seventh receiving unit, configured to receive a preset wind control rule sent by the second client;
and the monitoring unit is used for monitoring the real-time information of the financing party according to the preset wind control rule and locking and monitoring the assets in real time after receiving the payment notification.
9. The supply chain financial service process management apparatus of claim 8, further comprising:
an eighth receiving unit, configured to receive an asset movement application of the financing party sent by the first client;
the value evaluation unit is used for calculating the current value of the asset by utilizing the preset value evaluation model;
the examination and approval unit is used for determining the risk exposure of the financing party according to the preset wind control rule and the asset flowing application and examining and approving the asset flowing application;
and the fourth sending unit is used for sending the approval result of the asset flow application to the second client.
10. The supply chain financial service process management apparatus of claim 9, further comprising:
a ninth receiving unit, configured to receive a repayment application and a fund transfer instruction sent by the first client;
the fund transfer unit is used for completing the transfer of the repayment fund of the financing party according to the repayment application and the fund transfer instruction;
and the fifth sending unit is used for sending the repayment fund transfer result of the financing party to the second client side, so that the second client side checks and pays money and releases the credit line of the financing party.
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| CN202110393770.7A CN113052705A (en) | 2021-04-13 | 2021-04-13 | Supply chain financial service process management method and device |
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