CN113850673A - Data management system suitable for movable property financing pledge business - Google Patents

Data management system suitable for movable property financing pledge business Download PDF

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Publication number
CN113850673A
CN113850673A CN202111217484.1A CN202111217484A CN113850673A CN 113850673 A CN113850673 A CN 113850673A CN 202111217484 A CN202111217484 A CN 202111217484A CN 113850673 A CN113850673 A CN 113850673A
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data
financing
financial institution
management subsystem
service
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王智
陈合富
蒋丁立
王智慧
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Taizhou Chattel Pledge Financial Services Co ltd
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Taizhou Chattel Pledge Financial Services Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance

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Abstract

The application provides a data management system suitable for mobile asset financing pledge service, includes: a financial institution management subsystem for managing at least fund data for the movable property financing in the financial institution; the financial institution management subsystem is at least used for managing financing data for movable property financing in the financial institution; the financial institution management subsystem and the financial institution management subsystem form data connection so that the financial institution management subsystem generates or manages loan data related to the movable property financing according to the data of the financial institution management subsystem. The data management system has the beneficial effects that the data management system suitable for the mortgage business of the mobile property financing is provided, and the data of the financial institution and the financial institution for the mobile property financing are comprehensively managed.

Description

Data management system suitable for movable property financing pledge business
Technical Field
The application relates to a data management system suitable for a movable property financing pledge service.
Background
The movable property refers to a general commodity which is approved by banks and has strong showing capability and relatively stable price in the production or circulation field. The right of delivery refers to the ownership of the mentioned movable property expressed in the form of right certificate such as warehouse bill, delivery bill, etc.
The movable property financing business refers to a credit granting business which takes the movable property or the right of goods legally owned by the enterprise or a third person as a mortgage or a mortgage and/or a bank supervises the movable property or the right of goods of the enterprise.
The existing mobile asset financing business has various potential risks due to the lack of system overall planning and supervision.
Disclosure of Invention
In order to solve the defects of the prior art, the application provides a data management system suitable for the mobile asset financing pledge service, which comprises the following steps: a financial institution management subsystem for managing at least fund data for the movable property financing in the financial institution; the financial institution management subsystem is at least used for managing financing data for movable property financing in the financial institution; the financial institution management subsystem and the financial institution management subsystem form data connection so that the financial institution management subsystem generates or manages loan data related to the movable property financing according to the data of the financial institution management subsystem.
Further, the financial institution management subsystem includes: and the account management module is used for managing the account data of the dynamic property financing parties.
Further, the financial institution management subsystem includes: and the quota management module is used for managing quota data of the loan method of the movable property financing.
Further, the financial institution management subsystem includes: and the fund management module is used for managing fund data for the movable property financing.
Further, the financial institution management subsystem includes: and the post-loan management module is used for managing the repayment data and the repayment behavior data of the lender.
Further, the golden service institution management subsystem comprises: and the financing product management module is used for managing the product data of the mobile asset financing service.
Further, the golden service institution management subsystem comprises: the system comprises a wind evaluation data management module, a risk evaluation data processing module and a risk evaluation data processing module, wherein the wind evaluation data management module is used for managing risk evaluation data of the movable property financing business; and the credit granting data authentication module is used for authenticating and managing the credit data related to the mobile asset financing service.
Further, the financial institution management subsystem includes: and the risk management module is used for generating or modifying the pre-credit risk level of the mobile asset financing service according to the data of the wind assessment data management module and the credit granting data authentication module.
Further, the golden service institution management subsystem comprises: and the movable property pledge management module is used for managing pledges related to the movable property financing service.
Further, the risk management module generates or modifies the post-credit risk level of the mobile asset financing service according to the data of the mobile asset pledge management module.
The application has the advantages that: provided is a data management system suitable for a mobile asset financing pledge business, which can intelligently manage data of a financial institution and a financial institution for mobile asset financing.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, serve to provide a further understanding of the application and to enable other features, objects, and advantages of the application to be more apparent. The drawings and their description illustrate the embodiments of the invention and do not limit it. In the drawings:
FIG. 1 is a block diagram illustrating an architecture of a data management system according to an embodiment of the present application;
FIG. 2 is a block diagram illustrating an architecture of a financial institution management subsystem in a data management system according to an embodiment of the present application;
FIG. 3 is a block diagram illustrating an architecture of an insurance agency management subsystem in a data management system according to an embodiment of the present application;
FIG. 4 is a block diagram illustrating an architecture of a repurchase organization management subsystem in a data management system according to one embodiment of the present application;
FIG. 5 is a block schematic diagram of an architecture of a service authority management subsystem in a data management system according to an embodiment of the present application;
FIG. 6 is a schematic diagram illustrating steps of a business data management method according to a first embodiment of the present application;
FIG. 7 is a diagram illustrating steps of a business data management method according to a second embodiment of the present application;
fig. 8 is a schematic step diagram of a service data management method according to a third embodiment of the present application;
fig. 9 is a schematic step diagram of a service data management method according to a fourth embodiment of the present application;
FIG. 10 is a schematic diagram of a mobile asset financing management system according to an embodiment of the present application;
FIG. 11 is a data interaction diagram of a mobile asset financing management system according to an embodiment of the present application;
FIG. 12 is a schematic diagram of a mobile asset financing management system according to another embodiment of the present application;
FIG. 13 is a diagram illustrating a portion of the steps in data management for a mobile asset financing pledget service according to one embodiment of the present application;
fig. 14 is a diagram of another part of the steps in data management suitable for a mobile asset financing pledge service according to an embodiment of the present application.
Detailed Description
In order to make the technical solutions better understood by those skilled in the art, 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 partial 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.
It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It should be understood that the data so used may be interchanged under appropriate circumstances such that embodiments of the application described herein may be used. 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 noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
Referring to fig. 1 to 5, the data management system of the present application includes: the financial institution management subsystem, the insurance institution management subsystem, the buyback institution management subsystem and the financial service institution management subsystem.
The financial institution management subsystem is at least used for managing fund data for the movable property financing in the financial institution; the insurance agency management subsystem is at least used for managing insurance data used for mobile production financing in the insurance agency; the buyback organization management subsystem is at least used for managing buyback data used for mobile production financing in the insurance organization; the financial institution management subsystem is at least used for managing financing data for movable property financing in the financial institution.
The financial institution management subsystem, the insurance institution management subsystem and the buyback institution management subsystem form data connection so that the financial institution management subsystem can interact financing data with at least one of the financial institution management subsystem, the insurance institution management subsystem or the buyback institution management subsystem.
As a specific scheme, the financial institution management subsystem includes: the system comprises an account management module, an amount management module, a fund management module, a post-credit management module and a risk management module.
The insurance agency management subsystem includes: the system comprises an insurance application management module, an insurance supervision module and a premium management module.
The buyback agency management subsystem comprises: the system comprises a buyback asset management module, a buyback value management module and a buyback transaction management module.
The golden service organization management subsystem comprises: the system comprises a platform user management module, a financing product management module, a wind comment data management module, a movable property pledge management module, a credit granting data authentication module, an insurance-related data interface module and a buyback data interface module.
As a specific scheme, each module in the financial institution management subsystem has the following functions: the account management module is used for managing account data of the dynamic property financing parties; the amount management module is used for managing the amount data of the loan method of the movable property financing; the fund management module is used for managing fund data for the movable property financing, and the post-loan management module is used for managing the fund data for the movable property financing; the post-loan management module is used for managing repayment data and repayment behavior data of the lender; the risk management module is used for generating or modifying the pre-loan risk level of the mobile asset financing service according to the data of the wind evaluation data management module and the credit granting data authentication module, and in addition, the risk management module is used for generating or modifying the post-loan risk level of the mobile asset financing service according to the data of the mobile asset pledge management module.
As a specific scheme, each module in the insurance agency management subsystem functions as follows: the investment management module is used for managing data of an investment party, an underwriter or/and a guarantee party related to the movable property financing; the insurance management module is used for managing insurance product data related to the movable property financing; the insurance supervision module is used for managing pledge risk data related to the movable property financing; and the premium management module is used for generating premium data of insurance products corresponding to the mobile asset financing service according to the data of the financial institution management subsystem.
As a specific scheme, each module in the management subsystem of the buyback organization has the following functions: the buyback asset management module is used for managing category and quantity data of buyback assets related to the movable property financing; the buyback value management module is used for managing price data of buyback materials related to the movable property financing; the buyback transaction management module is used for managing transaction data of buyback materials related to the dynamic production financing.
As a specific scheme, each module in the golden service organization management subsystem has the following functions: the platform user management module is used for managing user data of financing enterprises, financial institutions, insurance institutions and buyback institutions; the financing product management module is used for managing product data of the mobile asset financing service; the wind evaluation data management module is used for managing risk evaluation data of the movable property financing service; the movable property pledge management module is used for managing pledges related to the movable property financing service; the credit granting data authentication module is used for authenticating and managing credit data related to the mobile asset financing service; the risk-involved data interface module is used for forming data interaction with the insurance mechanism management subsystem; and the buyback data interface module is used for forming data interaction with the buyback organization management subsystem.
Through the technical scheme, the data management system can realize data management and communication of the whole movable property financing link.
As a preferred scheme, as shown in fig. 10, the financial institution management subsystem, the insurance institution management subsystem, the buyback institution management subsystem, and the financial service institution management subsystem may be implemented by installing corresponding software programs on the mobile terminal, the fixed terminal, and the server and providing storage space for them.
As a specific scheme, the mobile terminal may be a mobile phone, a tablet computer or other terminal equipment, and the fixed terminal may be a desktop computer or a special terminal equipment or the like; the server may be a local server or a cloud server. The mobile terminal mainly realizes real-time access or operation of an individual user to the system, and the fixed terminal is mainly used for working staff or examiners to work in offices. The server is used for processing data and storing the data in the background.
As a preferable scheme, as shown in fig. 11, data of the financial institution management subsystem, the insurance institution management subsystem, the buyback institution management subsystem, and the golden service institution management subsystem are stored through a block chain, so as to trace the source of the data. All transaction and contract data are linked in data by a block chain technology so as to ensure the reliability of the data.
As a preferable scheme, as shown in fig. 12, in the technical scheme of the present application, a deposit administration monitoring subsystem may be further provided, and the deposit administration monitoring subsystem is used for monitoring the deposit of the movable property financing, and the monitoring may be performed in a specific warehouse set by the deposit administration or installed in a warehouse of a deposit party through field arrangement of a data acquisition device to perform dynamic monitoring.
As a specific scheme, the golden service organization supervision subsystem comprises various acquisition devices, such as a millimeter wave radar, a monitoring camera, a radio frequency tag reading and writing device, a handheld collector, a weighing device, a liquid level detection probe, a GPS device and the like.
Wherein, the millimeter wave radar is used for measurement personnel's removal, the surveillance camera head is used for gathering the image in place, radio frequency label read-write device is used for realizing thing networking read-write function, handheld collector is used for realizing the commodity circulation when transporting sweep a yard function (also can adopt general computer to realize certainly) with putting down, weighing device is used for measuring the weight of matter of escorting, when supervision large-scale goods and materials, also can adopt other modes weight measuring instrument to measure, liquid level detection probe is used for measuring the stock of liquid goods and materials, the GPS device is used for the position of location goods and materials.
The golden service organization supervision subsystem can directly carry out data interaction with the golden service organization management subsystem, the insurance organization management subsystem and the buyback organization management subsystem. So that they can acquire the stock condition of the material.
Through the data management system, a financial institution, an insurance institution and an industrial party buys back to form a complete service closed loop through a financial service institution, and digital, networked, intelligent and visual transformation is carried out on the capital financing behavior from the four dimensions of data information, capital circulation, risk supervision and logistics storage.
Moreover, the things in the mobile asset financing service are converted into the data things through the internet of things technology, so that the data things can be matched with the management system to dynamically supervise the mobile asset financing service; through internet data communication, data in the mobile asset financing business are converted into data assets which are high in reliability and can serve as a transaction basis, and after things of the mobile asset financing are converted into the data assets, things circulation of the mobile asset financing is also converted into data asset circulation and change through data flow and management; through a block chain technology, the data of the objects and the data in the mobile asset financing and the history of the change and the circulation of the objects and the data are digitalized and solidified, so that the data tracing and the supervision of the whole process are realized, and the business risk caused by data loopholes is avoided.
In addition, the data in the management system can be learned based on the artificial neural network in a big data analysis mode, so that the upgrading of an intelligent system based on the data is realized, the system can perform artificial intelligent learning according to different stages of data and different cases, and more intelligent judgment can be performed in the aspects of risk assessment, post-loan management, logistics supervision and the like.
Referring to fig. 6 to 9, as another aspect of the present application, based on the above system, the present application further provides a technical solution of a data management method.
As one of the technical solutions, the present application provides a data management method suitable for mobile asset financing, including the following steps: the financial institution management subsystem outputs evaluation information required by the movable property financing to the financial institution management subsystem; configuring financing data by the financial institution management subsystem according to the evaluation information of the financial institution management subsystem; the insurance institution management subsystem generates insurance data about the movable property financing according to the data of the financial institution management subsystem or the financial institution management subsystem; and the buyback organization management subsystem generates buyback data at least according to the data of the financial institution management subsystem, the financial institution management subsystem or the insurance institution management subsystem.
By the management method, a data management method of a complete movable production financing link can be realized.
Preferably, the data management method for the movable property financing further comprises the following steps: the financial institution management subsystem establishes account data for at least the lenders of the mobile asset financing. The financial institution management subsystem calculates the credit line data and interest data of the lender for the movable property financing according to the data of the financial institution management subsystem. And the financial institution management subsystem performs transfer operation or deduction operation on the lender according to the data of the financial institution management subsystem. And the insurance mechanism management subsystem matches the corresponding insurance products according to the data of the golden service mechanism management subsystem. And the insurance institution management subsystem generates corresponding insurance policy data according to the data of the gold service institution management subsystem. And the buyback mechanism management subsystem generates a corresponding buyback material list according to the data of the financial service mechanism management subsystem. And the buyback mechanism management subsystem generates a corresponding buyback material price according to the data of the financial service mechanism management subsystem. And the buyback mechanism management subsystem generates a corresponding buyback material order according to the data of the financial service mechanism management subsystem. The financial institution management subsystem sends financing data required for the financing of the movable property to a block chain.
As another aspect of the present application, the present application provides a data management method for a mobile asset financing insurance service, including the following steps: collecting data related to the movable property financing required by the insurance agency management subsystem to generate an insurance product order by the golden service agency management subsystem; the insurance mechanism management subsystem generates or manages insurance data related to the movable property financing according to the data collected by the golden service mechanism management subsystem; and the financial institution management subsystem sets supervision strategy data and supervision threshold data for supervising the pledge corresponding to the movable property financing service according to insurance data of the insurance institution management subsystem.
As a specific scheme, the data management method suitable for the mobile asset financing insurance business further comprises the following steps: the insurance institution management subsystem generates account data of an insuring party, an underwriting party or/and a guarantor involved in the movable property financing according to the data of the financial institution management subsystem; the insurance mechanism management subsystem matches the corresponding insurance product according to the data of the golden service mechanism management subsystem; the insurance institution management subsystem generates premium cost data of insurance products corresponding to the mobile asset financing service according to the data of the financial institution management subsystem; the insurance mechanism management subsystem generates corresponding insurance policy data according to the data of the golden service mechanism management subsystem; the financial institution management subsystem collects credit data of lenders for the movable property financing; collecting the pledge data of pledge of the movable property financing by a gold agency management subsystem; the financial institution management subsystem collects borrowing data of a loan scheme of the movable property financing; the financial institution management subsystem generates risk evaluation data and risk-involved demand data according to the collected credit data, pledge data and borrowing data; and the insurance institution management subsystem configures insurance products and insurance cost according to the risk evaluation data and the risk-related demand data of the gold agency management subsystem.
As another aspect of the present application, the present application further provides a data management method suitable for a mobile asset financing buyback service, where the method includes the following steps: the financial service institution management subsystem acquires or generates data required by the buyback institution management subsystem for buyback transactions; and after the buyback mechanism management subsystem finishes buyback transaction, the transaction data are fed back to the financial service mechanism management subsystem.
As a specific scheme, the data management method suitable for the mobile asset financing buyback business further comprises the following steps: and the buyback organization management subsystem generates category data of the buyback materials according to the data of the service organization management subsystem. And the buyback organization management subsystem generates price data of the buyback materials according to the data of the uniform organization management subsystem. And the buyback organization management subsystem generates stock data of buyback materials according to the data of the uniform organization management subsystem. And the buyback institution management subsystem generates transaction data according to the transaction condition and transmits the transaction data to the financial service institution management subsystem. The financial institution management subsystem collects the data of the types of the pledges related to the movable property financing service and transmits the data to the buyback institution management subsystem. The financial institution management subsystem collects price data of the pledges related to the movable property financing service and transmits the price data to the buyback institution management subsystem. And the financial institution management subsystem updates the stored inventory data according to the transaction data returned by the buyback institution management subsystem. And the financial institution management subsystem updates the financial data which is stored by the financial institution management subsystem and is related to the movable property financing according to the transaction data returned by the buyback institution management subsystem. And the financial institution management subsystem carries out pre-sale supervision on the traded pledge according to the trading data returned by the buyback institution management subsystem.
As another aspect of the present application, the present application further provides a data management method suitable for a mobile asset financing pledge service, including the following steps: the financial institution management subsystem collects or generates data required by the financial institution management subsystem for the movable property financing; the financial institution management subsystem produces or modifies the loan data related to the movable property financing according to the data collected by the financial institution management subsystem.
As a specific scheme, the data management method suitable for the movable property financing pledge service further comprises the following steps: the financial institution management subsystem creates account data of the dynamic property financing lender according to the data of the financial institution management subsystem; the financial institution management subsystem matches corresponding loan products according to the data of the financial institution management subsystem; the financial institution management subsystem calculates the debit and credit amount according to the data of the financial institution management subsystem; the financial institution management subsystem updates the pledge data of the mobile asset financing lender according to the data of the financial institution subsystem; the financial institution management subsystem collects risk assessment data of lenders of the mobile asset financing service; collecting the pledge data of pledge of the movable property financing by a gold agency management subsystem; the financial institution management subsystem collects credit data of lenders for the movable property financing; the financial institution management subsystem sets supervision strategy data and supervision threshold data for supervising the pledge corresponding to the movable property financing service according to the data fed back by the financial institution management subsystem; the data of the financial institution management subsystem and the financial service institution management subsystem are stored in a block chain.
In order for the financial institution management subsystem to generate or manage loan data related to the movement fund based on the data of the financial institution management subsystem.
As shown in fig. 13, as an extended scheme, the data management method applicable to the mobile asset financing pledge service of the present application further includes the following specific steps:
the S11 financial institution management subsystem independently collects financing data used by lenders for mobile financing.
And S12 the financial institution management subsystem divides the lenders into a plurality of financial service type groups according to the first part of attribute data in the enterprise attribute data in the collected financing data.
The S13 bureau of the gold agency management subsystem constructs a different financing assessment model for the lenders of each group of gold types.
The S14 financial institution management subsystem inputs the financing data of each lender into the financing assessment model corresponding to each loan type group so that the financing assessment model outputs corresponding financing assessment data.
And S15, the financial institution management subsystem judges whether to adopt the data output by the financing evaluation model according to the confidence of the financing evaluation data.
And S16, the financial institution management subsystem sends the financing evaluation data of the credit to the financial institution management subsystem.
As shown in fig. 14, as a further extension of the data management method applicable to the movable asset financing pledge service of the present application, the method further includes the following steps:
s21 the financial institution management subsystem collects independently financing data for the financing of the mobile asset by the lender.
S22 the financial institution management subsystem divides the lenders into several lending type groups according to the second part of attribute data in the enterprise attribute data in the collected financing data; the second part of attribute data is different from the first part of attribute data in the lender attribute data.
The S23 bureau management subsystem constructs a different financing assessment model for each lender category group.
S24 the financial institution management subsystem inputs the financing data of each lender into the financing assessment model corresponding to each loan type group so that the financing assessment model outputs corresponding financing assessment data.
S25 the financial institution management subsystem judges whether to adopt the data output by the financing evaluation model according to the confidence of the financing evaluation data;
s26 the financial institution management subsystem compares the collected financing evaluation data with the financing evaluation data of the financial institution management subsystem, if the comparison deviation is less than or equal to the preset deviation threshold, the data output by the financing evaluation model of the financial institution management subsystem is taken as the financing data, and if the comparison deviation is greater than the deviation threshold, the system reports errors to the manual help seeking.
Specifically, the first part of attribute data comprises financing amount data of a lender, an amount obtained by tax payment and pledge value data; the second part of attribute data comprises financing amount data of the lender, taxed amount and historical bank flow data. Each lender may form coordinate points in a three-dimensional coordinate system using these attribute data as indices, and then use Keans clustering to group the points into different types.
As a further preferred scheme, federal learning is performed among different financial institution management subsystems, among different golden service institution management subsystems, and among the golden service institution management subsystems and the financial institution management subsystems to share mutually financing evaluation models, so that the data structure of the federal learning can be vertical or horizontal. That is, the same data can be shared horizontally or the business process data can be shared vertically.
As a preferred scheme, the financial institution management submodule or/and the golden service institution management submodule of the application further includes a financing assessment model module, and the financing assessment model module is used for realizing the construction of the financing assessment model, the assessment of financing data and the model sharing based on federal learning.
Specifically, the financing evaluation model may be an RNN neural network model, an HMM model, or the like, and the output data of the financing evaluation model may include credit amount, financing risk level, and value evaluation of the collateral.
By adopting the data management method and depending on the management system, the data management and the credit management of the whole process of the movable property financing can be realized.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.

Claims (10)

1. A data management system suitable for a movable property financing pledge service is characterized in that:
the data management system suitable for the movable property financing pledge business comprises:
a financial institution management subsystem for managing at least fund data for the movable property financing in the financial institution;
the financial institution management subsystem is at least used for managing financing data for movable property financing in the financial institution;
the financial institution management subsystem and the financial institution management subsystem form data connection so that the financial institution management subsystem generates or manages loan data related to the movable property financing according to the data of the financial institution management subsystem.
2. The data management system for a mobile asset financing pledge service as claimed in claim 1, wherein:
the financial institution management subsystem comprises:
and the account management module is used for managing the account data of the dynamic property financing parties.
3. The data management system for a mobile asset financing pledge service as claimed in claim 2, wherein:
the financial institution management subsystem comprises:
and the quota management module is used for managing quota data of the loan method of the movable property financing.
4. The data management system for a mobile asset financing pledge service as claimed in claim 3, wherein:
the financial institution management subsystem comprises:
and the fund management module is used for managing fund data for the movable property financing.
5. The data management system for a mobile asset financing pledge service as claimed in claim 4, wherein:
the financial institution management subsystem comprises:
and the post-loan management module is used for managing the repayment data and the repayment behavior data of the lender.
6. The data management system for a mobile asset financing pledge service as claimed in claim 5, wherein:
the golden service institution management subsystem comprises:
and the financing product management module is used for managing the product data of the mobile asset financing service.
7. The data management system for a mobile asset financing pledge service as claimed in claim 6, wherein:
the golden service institution management subsystem comprises:
the system comprises a wind evaluation data management module, a risk evaluation data processing module and a risk evaluation data processing module, wherein the wind evaluation data management module is used for managing risk evaluation data of the movable property financing business;
and the credit granting data authentication module is used for authenticating and managing the credit data related to the mobile asset financing service.
8. The data management system for a mobile asset financing pledge service as claimed in claim 7, wherein:
the financial institution management subsystem comprises:
and the risk management module is used for generating or modifying the pre-credit risk level of the mobile asset financing service according to the data of the wind evaluation data management module and the credit granting data authentication module.
9. The data management system for a mobile asset financing pledge service as claimed in claim 8, wherein:
the golden service institution management subsystem comprises:
and the movable property pledge management module is used for managing pledges related to the movable property financing service.
10. The data management system for a mobile asset financing pledge service as claimed in claim 9, wherein:
and the risk management module generates or modifies the post-credit risk level of the mobile asset financing service according to the data of the mobile asset pledge management module.
CN202111217484.1A 2021-01-08 2021-10-19 Data management system suitable for movable property financing pledge business Withdrawn CN113850673A (en)

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CN202110028224 2021-01-08

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Application publication date: 20211228