CN115222343B

CN115222343B - Industrial chain management method and system

Info

Publication number: CN115222343B
Application number: CN202211142653.4A
Authority: CN
Inventors: 李靖
Original assignee: Xinfeng Yunchuang Shenzhen Information Co ltd
Current assignee: Xinfeng Yunchuang Shenzhen Information Co ltd
Priority date: 2022-09-20
Filing date: 2022-09-20
Publication date: 2022-11-29
Anticipated expiration: 2042-09-20
Also published as: CN115222343A

Abstract

The application is applicable to the technical field of industrial chain finance, and provides an industrial chain finance management method and system. The method comprises the following steps: the industrial chain financial management platform purchases materials from a supplier and pays payment for the materials in advance according to the demand of a purchaser, and the platform manages the materials provided by the supplier and finished products produced by the purchaser by using the materials in and out of the warehouse, and collects corresponding money or a quality guarantee before the finished products are delivered out of the warehouse. On one hand, the method can centralize purchasers and suppliers of the manufacturing industry chain on line, and carry out full-chain and non-sensitive effective monitoring on the finance and property rights of the industry chain, thereby ensuring the reality, the scene and the real-time of the trade; on the other hand, based on fund payment between purchasing and finished product ex-warehouse, the platform provides enough time for fund turnover of a purchasing party, and the problem of financing requirements of small and medium-sized micro enterprises on the upstream and downstream of an industrial chain is effectively solved.

Description

Industrial chain management method and system

Technical Field

The application belongs to the technical field of industrial chain finance, and particularly relates to an industrial chain finance management method and system.

Background

The difficulty in financing is always a problem which puzzles the development of small and medium-sized micro-enterprises in China, wherein the reason is that the factors are external factors and factors of the small and medium-sized micro-enterprises. External factors are policy factors, financial institution factors, credit guarantee system factors, direct financing factors, and legal system factors. The factors of the small and medium-sized micro-enterprises include low quality, poor credit condition, lack of guarantee substances and the like.

The conventional method for managing and controlling the rights of collection in supply chain finance is to store the collection materials in a designated warehouse, and a client needs to complete payment before using the materials, namely a mode of paying first and then goods. Therefore, the medium and small micro-enterprises which lack funds or security guarantee cannot be applied to the mode, the medium and small micro-enterprises cannot be really helped to solve the problems of fund shortage and difficulty in financing, the medium and small micro-enterprises cannot be really enabled, and the benign development of the manufacturing industry in China is promoted. The mode has the limitations that the mode can not help small and medium-sized micro-enterprises to prevent risks from the source of orders, can not participate in the material right control after the materials are delivered, can not carry out global effective monitoring on a supply chain, objectively protects the capital safety of a data collection party, but can not meet the actual national conditions of small and medium-sized micro-enterprises in China, and can not help the small and medium-sized micro-enterprises to solve the problem of difficult financing.

Disclosure of Invention

The embodiment of the application provides an industrial chain financial management method and system, which can solve the problem that small and medium-sized micro-enterprises are difficult to finance and can also realize effective management and control of supply chain finance on the rights of material collection instead.

In a first aspect, an embodiment of the present application provides an industry chain financial management method, which is applied to an industry chain financial management platform, and includes:

obtaining a procurement requirements list from a procurement party, the procurement requirements list including information for one or more materials that make up a finished product;

sending first order information to at least one supplier according to the purchase demand, wherein the first order information comprises a purchase order and a target location, and the first order information is used for instructing the supplier to provide the material indicated by the purchase order to the target location according to the purchase order;

paying a payment to each of said suppliers according to each of said purchase orders before each of said suppliers provides said materials;

confirming that the materials provided by each of the suppliers arrive at the target site;

permitting the purchasing party to receive the required materials from the materials for producing the finished products, wherein the value of the received required materials is within the guarantee limit enjoyed by the purchasing party;

and if the buyer is confirmed to pay target goods money or a pledge equivalent to the target goods money is provided, the finished product is permitted to be delivered from the warehouse, and the target goods money is part of or all of the total goods money consisting of the goods money corresponding to the materials.

Further, before sending a purchase order to at least one supplier according to the purchase demand, the method further includes:

under the condition that the price of the material provided by the supplier specified by the buyer is reasonable, determining the supplier specified by the buyer as at least one supplier;

determining other suppliers for providing the material under the condition that the price of the material provided by the supplier specified by the purchasing party is unreasonable;

feeding back prompt information to the purchasing party, wherein the prompt information is used for prompting the other suppliers to provide the price of the material;

and determining the supplier reassigned by the purchasing party as at least one supplier according to the response of the purchasing party to the prompt message.

Further, after acquiring the purchasing demand list from the purchasing party, the method further includes:

acquiring information of a production order provided by the purchasing party, wherein the information of the production order is used for determining the purchasing demand list;

determining the risk of the production order according to the information of the production order;

after acquiring the purchasing demand list from the purchasing party, the method comprises the following steps:

under the condition that the risk of the production order is controllable, first order information is sent to at least one supplier according to the purchasing requirement;

and under the condition that the risk of the production order is uncontrollable, refusing to provide the substitute purchasing service of the purchasing demand list for the purchasing party.

Wherein said permitting said buyer to obtain said desired material from said material for production of a finished product comprises:

receiving an application of the purchasing party to take the required materials according to the production order or the production plan;

and when the value of the required material is confirmed to be within the guarantee limit enjoyed by the purchasing party, the purchasing party is permitted to draw the required material out of the warehouse.

Further, after the permitting of the purchasing party to receive the required material from the material for producing the finished product, the method further comprises:

confirming that the quantity of the finished products returned by the purchasing party to the warehouse is matched with the received required materials;

and/or, confirming that the purchasing party returns the finished products to the warehouse according to appointed time.

Further, before the permitting the finished product to be delivered from the warehouse, the method further comprises:

and if the delivery date of the buyer is reached or the buyer agrees that the buyer does not pay the target payment or provides a pledge equivalent to the target payment, prompting the buyer to pay the target payment or provide a pledge equivalent to the target payment.

Further, in a case where the target payment is a partial payment of a total payment made up of payments corresponding to the respective materials, after the finished product is delivered from the warehouse, the method further includes:

and reminding the purchasing party to pay the residual freight according to the agreement between the industry chain financial management platform and the purchasing party.

Further, after acquiring the purchasing demand list from the purchasing party, the method further comprises:

establishing a sales order according to the purchase demand list;

generating a purchase order to purchase to at least one of the suppliers based on the sales order.

Wherein generating a purchase order to purchase to at least one provider from the sales order comprises:

merging a plurality of sales orders to generate a purchase order for purchasing materials from a supplier;

or splitting one sales order to generate a purchase order for purchasing materials from a plurality of suppliers;

or merging a plurality of sales orders, splitting the merged sales orders according to the types of the materials, and generating purchase orders for purchasing the materials from a plurality of suppliers.

Wherein said confirming arrival of said material provided by each of said suppliers at a target location comprises:

acquiring the delivery information uploaded by the supplier;

pushing the delivery information to an appointed receiver;

and under the condition that the appointed consignee is determined to trigger confirmation operation, confirming that the materials provided by each supplier reach a target location, wherein the target location comprises a warehouse of the purchasing party, and the appointed consignee belongs to the industrial chain financial management platform or a warehousing operator appointed by the industrial chain financial management platform.

Further, after confirming that the material provided by each of the suppliers reaches the target location, the method further includes:

storing the warehouse-in and warehouse-out records of the materials and the finished products, and sharing the warehouse-in and warehouse-out records to related organizations or personnel;

and/or sharing the real-time monitoring picture of the target site to related organizations or personnel; wherein the associated institution or person includes the buyer, the supplier, a fund provider for the fund, or a financial institution.

In a second aspect, an embodiment of the present application provides an industry chain financial management platform, including:

the order management module is used for acquiring a purchasing demand list from a purchasing party from an order management system and sending first order information to at least one supplier according to the purchasing demand list; wherein the purchase demand list includes information for one or more materials that make up a finished product, the first order information includes a purchase order and a destination location, and the first order information is used to instruct the provider to provide the materials indicated by the purchase order to the destination location in accordance with the purchase order; and for paying a payment to each of said suppliers based on each of said purchase orders before each of said suppliers provides said materials;

the transportation management module is used for confirming that the materials provided by the suppliers reach a target place through a transportation management system;

the storage management module is used for permitting the purchasing party to obtain the required materials from the materials through a storage management system for producing finished products, and the value of the obtained required materials is within the guarantee limit enjoyed by the purchasing party; and the system is also used for permitting the finished products to be delivered from the warehouse under the condition that the purchasing party pays a target payment or provides a pledge equivalent to the target payment, wherein the target payment is part of or all of the total payment formed by the payment corresponding to each material.

In a third aspect, an embodiment of the present application provides an industry chain financial management system, including: the system comprises an order management system, a transportation management system and a warehouse management system, wherein the order management system, the transportation management system and the warehouse management system are integrated on an industrial chain financial management platform;

the order management system is used for acquiring a purchase demand list from a purchasing party and sending first order information to at least one supplier according to the purchase demand list; wherein the purchase demand list includes information for one or more materials that make up a finished product, the first order information includes a purchase order and a destination location, and the first order information is used to instruct the provider to provide the materials indicated by the purchase order to the destination location in accordance with the purchase order; and for paying a payment to each of said suppliers based on each of said purchase orders before each of said suppliers provides said materials;

a transportation management system for confirming that the materials provided by each supplier arrive at a target location;

the warehousing management system is used for permitting the purchasing party to obtain the required materials from the materials for producing finished products, and the value of the obtained required materials is within the guarantee limit enjoyed by the purchasing party; and the system is also used for permitting the finished products to be delivered from the warehouse under the condition that the purchasing party pays a target payment or provides a pledge equivalent to the target payment, wherein the target payment is part of or all of the total payment formed by the payment corresponding to each material.

Further, the industry chain financial management system further comprises: a database management system integrated with the industry chain financial management platform;

the order management system is specifically configured to, prior to sending first order information to at least one supplier based on the procurement requirements manifest, manage data stored in the system based on the database,

determining the supplier specified by the purchasing party as at least one supplier under the condition that the price of the material provided by the supplier specified by the purchasing party is determined to be reasonable;

determining other suppliers providing the material in the case that the price of the material provided by the supplier specified by the purchasing party is unreasonable; feeding back prompt information to the purchasing party, wherein the prompt information is used for prompting the other suppliers to provide the price of the material; and determining the supplier reassigned by the purchasing party as at least one supplier according to the response of the purchasing party to the prompt message.

Further, the industry chain financial management system further comprises: a wind control system integrated with the industrial chain financial management platform;

the wind control system is used for acquiring information of a production order provided by the purchasing party, and the purchasing demand list is generated according to the production order; the risk of the production order is determined according to the information of the production order;

the order management system is specifically configured to: under the condition that the risk of the production order is controllable, first order information is sent to at least one supplier according to the purchasing requirement; and refusing to provide the purchasing requirement list for the purchasing party for the purchasing service on behalf of the purchasing party under the condition that the risk of the production order is uncontrollable.

Furthermore, the industrial chain financial management system also comprises an intelligent management lock;

the warehouse management system is specifically used for receiving an application of the purchasing party to get the required materials according to the production order or the production plan; when the value of the required material is confirmed to be within the guarantee limit enjoyed by the purchasing party, the intelligent management lock is authorized to be opened so as to permit the purchasing party to draw the required material out of the warehouse;

the warehousing management system is also used for confirming that the quantity of the finished products returned by the purchasing party is matched with the picked required materials; and/or, the system is used for confirming that the purchasing party returns the finished product to the warehouse according to the appointed time.

The warehouse management system is specifically used for:

acquiring the delivery information uploaded by the supplier;

pushing the delivery information to an appointed receiver;

and under the condition that the appointed consignee is determined to trigger a confirmation operation, confirming that the materials provided by each supplier reach a target location, wherein the target location comprises a warehouse of the purchasing party, and the appointed consignee belongs to the industry chain financial management platform.

Further, the order management system is further configured to:

establishing a sales order according to the purchase demand list;

generating a purchase order for purchasing from at least one of the suppliers based on the sales order, in particular for: merging a plurality of sales orders to generate a purchase order for purchasing materials from a supplier; or, the system is used for splitting one sales order to generate a purchase order for purchasing materials from a plurality of suppliers; or the system is used for merging a plurality of sales orders, splitting the merged sales orders according to the types of the materials, and generating purchase orders for purchasing the materials from a plurality of suppliers.

Further, the industry chain financial management system further comprises: the intelligent monitoring system is integrated on the industrial chain financial management platform;

the intelligent monitoring system comprises cameras arranged in all the warehouses and is used for providing real-time monitoring pictures of all the warehouses.

In a fourth aspect, an embodiment of the present application provides a terminal device, including: memory, a processor and a computer program stored in the memory and executable on the processor, the processor implementing the method according to any of the first aspect when executing the computer program.

In a fifth aspect, the present application provides a computer-readable storage medium, which stores a computer program, and when executed by a processor, the computer program implements the method according to any one of the first aspect.

In a sixth aspect, an embodiment of the present application provides a computer program product, which, when run on a terminal device, causes the terminal device to execute the method described in any one of the above first aspects.

It is understood that the beneficial effects of the second to sixth aspects can be seen from the description of the first aspect, and are not described herein again.

Compared with the prior art, the embodiment of the application has the advantages that: the industrial chain financial management platform purchases materials and pays payment to suppliers instead according to the requirements of purchasers, manages the materials provided by the suppliers and finished products produced by the purchasers in and out of a warehouse by the platform, collects corresponding money or quality guarantee before the finished products are delivered out of the warehouse, can centralize the purchasers and the suppliers of the manufacturing industry chain on line, effectively monitors the finance and property rights of the industrial chain in a full chain and in an insensitive manner, ensures the reality, the scene and the real-time of trade, provides enough time for the capital turnover of the purchasers based on the capital payment during the period from the purchasing to the finished product delivery, and effectively solves the problem of the financing demand of small and medium-sized enterprises on the upstream and downstream of the industrial chain.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings without creative efforts.

FIG. 1 is a schematic flow chart diagram illustrating a method for industry chain financial management according to an embodiment of the present application;

FIG. 2 is a schematic flow chart illustrating a method for risk control of a production order according to an embodiment of the present disclosure;

FIG. 3 is a schematic flow chart diagram illustrating a method for risk control of a purchase price according to an embodiment of the present application;

FIG. 4 is a block diagram of an industrial chain financial management platform according to an embodiment of the present application;

FIG. 5 is a schematic diagram of an embodiment of an industrial chain financial management system;

fig. 6 is a schematic structural diagram of a terminal device according to an embodiment of the present application.

Detailed Description

In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the present application. It will be apparent, however, to one skilled in the art that the present application may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present application with unnecessary detail.

It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.

It should also be understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.

As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when", "upon" or "in response to" determining "or" in response to detecting ". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".

Furthermore, in the description of the present application and the appended claims, the terms "first," "second," "third," and the like are used for distinguishing between descriptions and not necessarily for describing or implying relative importance.

Reference throughout this specification to "one embodiment" or "some embodiments," or the like, means that a particular feature, structure, or characteristic described in connection with the embodiment is included in one or more embodiments of the present application. Thus, appearances of the phrases "in one embodiment," "in some embodiments," "in other embodiments," or the like, in various places throughout this specification are not necessarily all referring to the same embodiment, but rather mean "one or more but not all embodiments" unless specifically stated otherwise. The terms "comprising," "including," "having," and variations thereof mean "including, but not limited to," unless otherwise specifically stated.

The industrial chain financial management method provided by the embodiment of the application can be applied to mobile phones, tablet computers, wearable devices, vehicle-mounted devices, augmented Reality (AR)/Virtual Reality (VR) devices, notebook computers, ultra-mobile personal computers (UMPCs), netbooks, personal Digital Assistants (PDAs) and other terminal devices, and the embodiment of the application does not limit the specific types of the terminal devices at all.

Fig. 1 shows a schematic flow diagram of an industrial chain financial management method provided by the present application, which may be applied in a manufacturing industrial chain by way of example and not limitation, and includes the following steps:

s110, acquiring a purchasing demand list from a purchasing party.

The purchasing party is a production party in the manufacturing industry chain, produces according to a production order of a finished product ordering party, and purchases materials required by the produced finished products according to the finished products ordered by the production order and the quantity of the finished products before putting into production, so that a purchasing demand list is formed; the procurement requirements list includes information for one or more materials that make up the finished product, including, but not limited to, the model, material, size, quantity, etc. of the materials.

And S120, sending first order information to at least one supplier according to the purchasing requirement.

An industrial chain financial management platform (platform for short) respectively signs a generation purchasing agreement with a purchasing party and a supplier, the platform is used as a generation purchasing party, a sales order is established according to a purchasing demand list of the purchasing party, and the sales order comprises transaction information between the platform and the purchasing party; and generating purchase orders for purchasing from at least one supplier according to the sales orders, wherein each purchase order represents the transaction relationship between the platform and each supplier. Therefore, real-time monitoring of the order flow can be realized.

The method can confirm the types and the quantities of the materials provided by different suppliers according to the types and the quantities of the purchased materials, and purchase all the materials from one supplier or purchase the materials with different types or quantities from a plurality of suppliers by combining the supply price of each supplier.

As a possible implementation, when the sales orders of different purchasing parties have the same material, the platform may combine a plurality of sales orders to generate a purchase order for purchasing the material to a supplier; the centralized purchasing is beneficial to obtaining better price.

As another possible implementation, when materials in a sales order need to be purchased from different suppliers, or when one supplier is not enough to provide the required amount of materials, the platform may split one sales order to generate a purchase order to purchase materials from multiple suppliers.

It can be understood that, based on the above two situations, the platform may merge multiple sales orders, split the merged sales orders according to the types or quantities of the materials, and generate purchase orders for purchasing the materials from multiple suppliers.

The first order information includes a purchase order and a target location, the first order information for instructing a supplier to provide the material indicated by the purchase order to the target location in accordance with the purchase order.

And S130, paying the goods payment to each supplier according to each purchase order before each supplier provides the materials.

In order to solve the fund transfer problem of part of the buyers, the platform can provide payment service for the buyers. The platform pays the payment to the supplier, and the supplier distributes the materials to the target place in the form of logistics and the like after receiving the payment.

Funding sources for the platform include, but are not limited to, the platform's own funding, funding of financial institutions cooperating with the platform, and the like.

And S140, confirming that the materials provided by each supplier reach the target site.

When the supplier sends the materials through logistics, the supplier also uploads delivery information to the platform, wherein the delivery information comprises delivery details and logistics information. The platform acquires delivery information uploaded by a supplier and pushes the delivery information to an appointed receiver; and determining delivery details and real objects by the appointed receiver, and inputting the material information into the storage management system. And the platform confirms that the materials provided by each supplier reach the target site according to the confirmation operation triggered by the appointed consignee. So far, the material right of the material collection is brought under the monitoring of the platform.

In order to facilitate the production of the purchasing party and reduce the transportation cost, the target location can be a warehouse of the purchasing party, and if some materials have special storage requirements (such as flammable and explosive materials, radioactive materials and the like), the materials can also be transported separately and stored in other appointed target locations.

And the appointed consignee belongs to a warehousing operator designated by the industrial chain financial management platform or the platform. The appointed consignee designated by the platform or the warehousing operator is used as a warehouse manager and is responsible for receiving materials and managing the materials and finished products in and out.

This embodiment uses a VMI stock control mode (Vendor Managed Inventory). The platform provides the generation purchase service for the buyer, namely the platform is used as a supplier of the buyer, the platform has management rights on the VMI raw material bin and the VMI finished product bin, the raw material bin and the finished product bin are managed by a storage operator appointed by the platform or the platform, and under the condition of paying the goods by generation, all the generation material and goods rights are mastered, so that the generation material is prevented from being separated from control, and the risk of loss of the right of goods is avoided fundamentally. In addition, the abundant manufacturing logistics experience of the warehousing operator can be used for helping the factory of the purchasing party to improve the operation efficiency of the supply chain, the order delivery rate and the fund withdrawal efficiency, so that the risk rate of the fund is reduced.

And S150, permitting the purchasing party to obtain the required materials from the materials for producing finished products.

The platform receives an application that a purchasing party draws required materials according to a production order or a production plan; and when the value of the required material is confirmed to be within the guarantee limit enjoyed by the purchasing party, the purchasing party is permitted to draw the required material out of the warehouse.

Before the platform provides the purchasing service for the purchasing party, the purchasing party provides equipment and/or bills for the platform to serve as a mortgage, or a third party provides a guarantee, and the platform gives a certain guarantee limit to the purchasing party according to the values of the equipment and the bills and the credit investigation condition of the purchasing party.

The buyer can obtain the value of the required material within the share guarantee limit. The guarantee amount is recyclable, the residual guarantee amount is reduced after the purchasing party obtains the required materials, and the guarantee amount is correspondingly increased when the purchasing party returns finished products to the warehouse, returns the residual materials or pays the goods money.

The purchasing party can draw the material within the guarantee amount, and the risk of loss of the material right of the platform can be controlled within a certain range. The dynamic and recyclable guarantee amount is beneficial to the purchasing party to flexibly take the materials, and compared with the traditional mortgage mode of a financial institution, the method does not need to deal with the mortgage procedure at every time to obtain the funds and then purchase the materials, is convenient and flexible in procedure, and does not delay the production progress.

In the guarantee limit enjoyed by the purchasing party, the purchasing party can correspondingly receive corresponding materials according to the finished product quantity of one or more production orders; or according to a single-day or multi-day production plan.

And taking the appointed receiver as a warehouse manager, checking and confirming the receipt of the received material, and then carrying out warehouse-out operation on the warehouse management system.

And S160, under the condition that the buyer is confirmed to pay the target goods payment or provide the pledge equivalent to the target goods payment, the finished product is allowed to be delivered out of the warehouse.

The target goods money is part of or all of the total goods money formed by the goods money corresponding to each material.

And in the case of receiving the target payment paid by the buyer or providing the pledge equivalent to the target payment, the platform sends an instruction for permitting the finished product to be delivered to the warehouse, wherein the instruction comprises the type and the quantity of the finished product permitted to be delivered.

In other embodiments, if the platform manages the warehouse by using the intelligent management lock, after confirming that the target goods payment or the equivalent pledge is received, the platform can remotely authorize the secret key to the purchasing party or the appointed receiver who manages the warehouse, and the purchasing party or the appointed receiver unlocks by using the mobile phone bluetooth and the secret key. Therefore, for the material management in different places, the control right of the material is mastered by the appointed consignee in the improper place, and the risk caused by the fact that the appointed consignee does not handle according to the regulations is avoided.

In this embodiment, the platform is with fund direct payment to the supplier, and carries out programme-controlled goods entirely to the material of purchasing instead, can solve the problem that traditional industry chain finance's fund is to unknown and the unable management and control of material: firstly, the fund cannot flow to the account of the purchasing party, secondly, the purchasing party cannot change the purchased materials for private use or use other purposes, the purchased materials can only be used for manufacturing production under the item of the production order, and the order is delivered to form a refund after the production is finished.

The management method provided by the embodiment is characterized in that a purchasing party and a supplier are centralized on line by an industrial chain financial management platform for management, a finished product ordering party and a capital party can also participate in the management if necessary, the material right data of the purchased materials and the finished products are shared on line in real time, and the material right of the materials and the finished products is comprehensively mastered under line, so that the financial material right can be managed in real time, informationized and intelligentized, the financing channel of small and medium-sized micro enterprises can be widened, the financing cost is effectively reduced, the financing efficiency is improved, and the increase of the financing credit is realized; meanwhile, the system breaks through the tradition, innovates a high-efficiency and low-risk service mode and a risk management model, promotes the cooperative development and organic fusion of industry and finance, enables the entity economy, promotes the strong chain supplement of the manufacturing industry, helps small and medium-sized enterprises to acquire and expand new markets, and enjoys policy dividends.

In a possible implementation manner, in order to further control the risk of purchasing the service, on the basis of the above method embodiment, the application further includes one or more of the following risk control means.

First, between steps S110 and S120, the following steps are further included as shown in fig. 2:

s1111, acquiring the information of the production order provided by the purchasing party.

The production order comes from the finished product ordering party. On one hand, the information of the production order comprises the type, the quantity, the requirement and the like of finished products to be produced, and can be used for determining a purchase demand list; on the other hand, the information of the production order also includes information of the finished product ordering party, including information, ordering contract, bill, etc. of the finished product ordering party.

S1112, determining the risk of the production order according to the information of the production order.

The basis of the risk judgment includes but is not limited to the authenticity of the production order, the qualification of the finished product ordering party, etc. The authenticity of the production order can be judged from the aspects of ordered price, whether the finished product is consistent with the production and operation ranges of both parties, and the like; the qualification of the finished product ordering party can be judged from the credit degree, the paying capacity and the like of the enterprise.

Correspondingly, under the condition that the risk of the production order is controllable, the platform signs a purchase agreement with a purchasing party and a supplier, and executes the step S120; in the event that the risk of producing an order is uncontrolled, the platform refuses to offer the purchasing representative of the purchasing demand list to the purchasing party.

The platform organizes a wind control team with rich industry experience, trade experience, legal knowledge and customs experience to evaluate the production order, can identify the risk of the order from the source, helps small and medium-sized micro enterprises to reduce external risk caused by insufficient experience capability, and also provides basic guarantee for the capital safety of the small and medium-sized micro enterprises.

Secondly, before executing step S120, the following steps as shown in fig. 3 are further included:

and S1121, determining the supplier specified by the purchasing party as at least one supplier under the condition that the price of the material provided by the supplier specified by the purchasing party is reasonable.

The platform acquires and acquires past transaction data through a database management system and analyzes whether the price of the material provided by the supplier specified by the buyer is reasonable or not. If it is reasonable, it is determined to purchase the specified supplier, and step S120 is further performed.

And S1122, under the condition that the price of the material provided by the supplier specified by the purchasing party is unreasonable, determining other suppliers providing the material.

The platform screens out other suppliers with reasonable prices from the database.

And S1123, feeding back prompt information to the purchasing party.

The prompt is used to prompt other suppliers to offer the price of the material and prompt the buyer to select which supplier to replace.

And S1124, determining the supplier re-designated by the buyer as at least one supplier according to the response of the buyer to the prompt message.

In addition, the platform can help the buyer negotiate prices for conditions where the price of a given supplier is not reasonable. If the unreasonable price has a large influence on the profit margin of the order, so that the platform has a risk, the platform intervenes, the buyer is forced to replace the supplier, and otherwise, the purchasing service is refused to be provided.

Thirdly, after step S150, the method further includes:

and when the purchasing party returns the finished products to the warehouse, confirming that the quantity of the finished products returned by the purchasing party is matched with the received required materials, wherein the finished products comprise good products and defective products.

In addition, for the materials picked according to the production plan or the production order, the purchasing party returns the finished products to the warehouse according to the appointed time, wherein the appointed time can be the time for completing the production according to the production plan or the time for completing a certain production order according to the productivity.

The platform supervises that the purchasing party returns the finished products to the warehouse according to the amount on time, on one hand, the purchasing party can be prevented from moving the materials for other purposes, on the other hand, normal delivery of production orders can be guaranteed, the purchasing party can receive the payment of the goods from the finished product ordering party as about, the payment of the goods paid by the platform is paid, and the platform fund is favorably returned.

Fourth, before step S160, the method further includes:

under the condition of obtaining finished products, if the delivery date of the purchasing party is reached, the purchasing party should obtain corresponding money from a finished product ordering party and deliver the finished products, and the obtained money should be paid to the platform to offset the payment of the goods with the payment of the flat belt, or according to the agreement between the platform and the purchasing party, the purchasing party is prompted to pay the target goods money or provide a material deposit equivalent to the target goods money when reaching the time node at which the purchasing party should pay the goods money but the purchasing party does not pay the target goods money or provides the material deposit equivalent to the target goods money.

Fifthly, after step S160, the method further includes:

and under the condition that the target goods money is part of the total goods money consisting of the goods money corresponding to each material, reminding the purchasing party to pay the rest goods money according to the agreement between the industry chain financial management platform and the purchasing party.

The platform supervises and reminds the purchasing party to fulfill the obligation of paying the goods on time, can further ensure the return of the goods payment on behalf of the buyer, is favorable for the fund safety of the platform, is also favorable for relieving the fund pressure of the platform and forms a benign fund cycle.

Sixthly, between steps S140 and S160, the method further includes:

the platform stores the warehousing records of the materials and the finished products, and can share the warehousing records to related organizations or personnel. And/or if the real-time monitoring camera is installed, the platform can share the real-time monitoring picture of the target site to related organizations or personnel.

The related institutions or persons comprise buyers, suppliers, fund providers of goods and money or financial institutions.

In this embodiment, a video centralized Management platform (VMS) may be used for video monitoring, and the VMS may provide centralized Management of persons, devices, and events by medium and large-sized monitoring items.

The video monitoring and the warehouse entry and exit records have real-time performance and traceability, any role participating in industry chain finance can refer to relevant parts according to the authority of the role, the mutual supervision effect is achieved, and the method is beneficial to guaranteeing the rights and interests of the role.

It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present application.

Corresponding to the industrial chain financial management method described in the foregoing embodiment, fig. 4 shows a block diagram of a structure of an industrial chain financial management platform provided in the embodiment of the present application, and for convenience of description, only a part related to the embodiment of the present application is shown.

The platform integrates data of an order management system, a transportation management system, a storage management system and other systems into the platform in a system access mode.

Referring to fig. 4, the platform includes:

the order management module 41 is configured to obtain a purchase demand list from a purchasing party from an order management system, and send first order information to at least one provider according to the purchase demand list; and also for paying the suppliers a payment for the goods according to the purchase orders before the suppliers provide the materials.

The purchase demand list comprises information of one or more materials for forming a finished product, the first order information comprises a purchase order and a target location, and the first order information is used for instructing a supplier to provide the materials indicated by the purchase order to the target location according to the purchase order.

And a transportation management module 42 for confirming the arrival of the materials provided by each supplier to the target site through the transportation management system.

The storage management module 43 is used for permitting the purchasing party to obtain the required materials from the materials for producing finished products through the storage management system, and the value of the obtained required materials is within the guarantee limit enjoyed by the purchasing party; and the system is also used for permitting the finished products to be delivered out of the warehouse under the condition that the purchasing party pays the target goods money or provides a pledge equivalent to the target goods money, wherein the target goods money is part of or all of the total goods money consisting of the goods money corresponding to each material.

Further, the platform includes a database management module 44 for reading and writing data from and to a database management system. For example, the order management module 41 obtains data in the database management system through the database management module 44, and is used for judging whether the price of the material provided by the supplier specified by the buyer is reasonable; and when the supply price of the specified supplier is not reasonable, the database management module 44 can screen out other suppliers with reasonable price for the buyer to replace.

Further, the platform further comprises a wind control module 45 for obtaining a wind control result from the wind control system. The wind control system is used for judging whether a production order between a purchasing party and a finished product ordering party is risk-controllable or not. The order management module 41 determines whether to provide the purchasing party with the purchasing service on behalf of the purchasing party according to the wind control result.

It should be noted that, because the contents of information interaction, execution process, and the like between the modules are based on the same concept as that of the embodiment of the method of the present application, specific functions and technical effects thereof may be specifically referred to a part of the embodiment of the method, and details are not described here.

It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.

Corresponding to the industrial chain financial management method and platform of the embodiment, the embodiment of the application also provides an industrial chain financial management system, the system comprises a plurality of subsystems such as an order management system, a transportation management system, a warehousing management system and the like, the operation data of the subsystems are integrated together in a system docking mode, the order operation condition including enterprise information, credit management, property right management, report statistics and other information is fed back to a fund party or a financial institution in real time, and the method of the embodiment is realized.

As shown in fig. 5, the industry chain financial management system includes: the order management system 51, the transportation management system 52 and the warehouse management system 53 are integrated on the industrial chain financial management platform.

The order management system 51 is configured to obtain a purchase demand list from a purchasing party, and send first order information to at least one supplier according to the purchase demand list.

The order management system 51 is specifically configured to establish a sales order according to the purchase demand list; generating a purchase order from the sales order to purchase at least one provider, comprising: merging a plurality of sales orders to generate a purchase order for purchasing materials from a supplier; or, the system is used for splitting a sales order to generate a purchase order for purchasing materials from a plurality of suppliers; or, the method is used for merging a plurality of sales orders, splitting the merged sales orders according to the material types, and generating purchase orders for purchasing materials from a plurality of suppliers.

The order management system 51 is also used to pay the suppliers a payment for the goods based on the purchase orders before the suppliers provide the materials.

The transportation management system 52 is used to confirm that the materials provided by each supplier arrive at the target site. The method is specifically used for: acquiring delivery information uploaded by a supplier, and pushing the delivery information to an appointed receiver; and confirming that the materials provided by each supplier reach a target location according to the confirmation operation of the appointed consignee, wherein the target location comprises a warehouse of a purchasing party, and the appointed consignee belongs to an industry chain financial management platform.

The warehouse management system 53 is used to permit the purchasing party to pick the required materials from the materials for producing the finished products.

The warehousing management system 53 permits the buyer to receive the value of the desired material within the guaranteed amount enjoyed by the buyer.

The warehouse management system 53 is also used for confirming that the quantity of finished products returned by the purchasing party to the warehouse is matched with the required materials which are received; and/or, the system is used for confirming that the purchasing party returns the finished product to the warehouse according to the appointed time.

The warehouse management system 53 is also used to confirm that the buyer pays the target amount of the goods or provides the deposit equivalent to the target amount of the goods, and to permit the finished goods to be delivered out of the warehouse.

The target goods money is part of or all of total goods money consisting of the goods money corresponding to each material.

Further, the industry chain financial management system further includes a database management system 54 integrated with the industry chain financial management platform.

The order management system 51 is specifically configured to determine, based on the data stored in the database management system 54, the supplier specified by the buyer as the at least one supplier if it is determined that the price of the material provided by the supplier specified by the buyer is reasonable, before sending the first order information to the at least one supplier based on the purchase demand list; or, in the case that the price of the material provided by the supplier specified by the purchasing party is unreasonable, determining other suppliers providing the material; feeding back prompt information to the purchasing party, wherein the prompt information is used for prompting other suppliers to provide the price of the material; and determining the supplier reassigned by the buyer as at least one supplier according to the response of the buyer to the prompt message.

In other embodiments, the industry chain financial management system may also include a wind control system 55 integrated with the industry chain financial management platform.

The wind control system 55 is used for acquiring information of a production order provided by a purchasing party, and a purchasing demand list is generated according to the production order; and is also used to determine the risk of the production order based on the information of the production order.

Accordingly, the order management system 51 is specifically configured to: under the condition that the risk of the production order is controllable, first order information is sent to at least one supplier according to a purchase demand list; in the event that the risk of producing the order is not controllable, the alternate procurement service providing the procurement demand list to the purchasing party is denied.

As a possible implementation, the industry chain financial management system also includes an intelligent management lock 56.

The warehouse management system 53 is specifically configured to receive an application for a purchasing party to obtain a required material according to a production order or a production plan; when the value of the required material is confirmed to be within the guarantee limit enjoyed by the purchasing party, the intelligent management lock 56 is authorized to be opened so as to allow the purchasing party to draw the required material out of the warehouse.

As a possible implementation manner, the industry chain financial management system further includes an intelligent monitoring system 57 integrated in the industry chain financial management platform. The intelligent monitoring system 57 includes a camera disposed in each warehouse, and is used for providing a real-time monitoring picture of each warehouse through a network.

Fig. 6 is a schematic structural diagram of a terminal device according to an embodiment of the present application. As shown in fig. 6, the terminal device 6 of this embodiment includes: at least one processor 60 (only one shown in fig. 6), a memory 61, and a computer program 62 stored in the memory 61 and executable on the at least one processor 60, the steps of any of the various method embodiments described above being implemented when the computer program 62 is executed by the processor 60.

The terminal device 6 may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing devices. The terminal equipment may include, but is not limited to, a processor 60 and a memory 61. Those skilled in the art will appreciate that fig. 6 is only an example of the terminal device 6, and does not constitute a limitation to the terminal device 6, and may include more or less components than those shown, or combine some components, or different components, such as an input/output device, a network access device, and the like.

The Processor 60 may be a Central Processing Unit (CPU), and the Processor 60 may be other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware components, and the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.

The memory 61 may be an internal storage unit of the terminal device 6, such as a hard disk or a memory, or an external storage device, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card or a Flash memory Card (Flash Card), and the like. Further, the memory 61 may also include both an internal storage unit and an external storage device. The memory 61 is used for storing an operating system, an application program, a BootLoader (BootLoader), data, and other programs, such as program codes of the computer programs. The memory 61 may also be used to temporarily store data that has been output or is to be output.

The embodiments of the present application further provide a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the computer program implements the steps in the above-mentioned method embodiments.

The embodiments of the present application provide a computer program product, which when running on a mobile terminal, enables the mobile terminal to implement the steps in the above method embodiments when executed.

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, all or part of the processes in the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium and can implement the steps of the embodiments of the methods described above when the computer program is executed by a processor. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer readable medium may include at least: any entity or device capable of carrying computer program code to a photographing apparatus/terminal apparatus, a recording medium, computer Memory, read-Only Memory (ROM), random Access Memory (RAM), an electrical carrier signal, a telecommunications signal, and a software distribution medium. Such as a usb-disk, a removable hard disk, a magnetic or optical disk, etc. In certain jurisdictions, computer-readable media may not be an electrical carrier signal or a telecommunications signal in accordance with legislative and patent practice.

In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.

Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the technical solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

In the embodiments provided in the present application, it should be understood that the disclosed apparatus/network device and method may be implemented in other ways. For example, the above-described apparatus/network device embodiments are merely illustrative, and for example, the division of the modules or units is only one logical function division, and other divisions may be realized in practice, for example, multiple 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.

The above-mentioned embodiments are only used to illustrate the technical solutions of the present application, and not to limit 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; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present application and are intended to be included within the scope of the present application.

Claims

1. An industrial chain financial management method is applied to an industrial chain financial management platform and comprises the following steps:

acquiring a purchase demand list from a purchasing party, wherein the purchase demand list comprises information of one or more materials for forming a finished product; the purchasing demand list is formed by the finished products ordered by the purchasing party according to the production order and the materials required by the quantity of the finished products;

acquiring information of a production order provided by the purchasing party, and determining the risk of the production order according to the information of the production order;

under the condition that the risk of the production order is controllable, first order information is sent to at least one supplier according to the purchase demand, wherein the first order information comprises a purchase order and a target location, and the first order information is used for instructing the supplier to provide materials indicated by the purchase order to the target location according to the purchase order;

paying a payment to each of said suppliers in accordance with each of said purchase orders before each of said suppliers provides said materials;

supervising the buyer to return the finished product to the warehouse;

and under the condition that the buyer is confirmed to pay target payment or provide a pledge equivalent to the target payment, the finished product is permitted to be delivered out of the warehouse, and the target payment is part or all of the total payment formed by the payment corresponding to the materials.

2. The method of claim 1, wherein prior to sending a purchase order to at least one supplier based on the purchase demand clearance, the method further comprises:

determining the supplier specified by the purchasing party as at least one supplier under the condition that the price of the material provided by the supplier specified by the purchasing party is reasonable;

determining other suppliers providing the material in the case that the price of the material provided by the supplier specified by the purchasing party is unreasonable;

3. The method of claim 1, wherein determining the risk of the production order based on the information for the production order comprises:

and refusing to provide the purchasing requirement list for the purchasing party for the purchasing service on behalf of the purchasing party under the condition that the risk of the production order is uncontrollable.

4. The method of claim 3, wherein said permitting said purchasing party to pick said desired material from said material for production of a finished product comprises:

receiving an application of the purchasing party to get the required materials according to the production order or the production plan;

when the value of the required material is confirmed to be within the guarantee limit enjoyed by the purchasing party, the purchasing party is permitted to draw the required material out of the warehouse;

supervising the buyer to return the finished product to the warehouse, comprising:

5. The method of any one of claims 1 to 4, wherein after obtaining the list of procurement requirements from the procurement party, further comprising:

establishing a sales order according to the purchase demand list;

generating a purchase order for purchasing from at least one of the suppliers according to the sales order, specifically including:

6. The method of any one of claims 1 to 4, wherein said confirming arrival of said materials provided by each of said suppliers at a target location comprises:

acquiring the delivery information uploaded by the supplier;

pushing the delivery information to an appointed receiver;

7. An industry chain financial management system, comprising: the system comprises a wind control system, an order management system, a transportation management system and a storage management system, wherein the wind control system, the order management system, the transportation management system and the storage management system are integrated on an industrial chain financial management platform;

the order management system is used for acquiring a purchasing demand list from a purchasing party, wherein the purchasing demand list is generated according to a production order;

the wind control system is used for acquiring the information of the production order provided by the purchasing party and determining the risk of the production order according to the information of the production order;

the order management system is further used for sending first order information to at least one supplier according to the purchasing requirement clear list under the condition that the risk of the production order is controllable; the purchasing demand list comprises information of one or more materials for forming a finished product, the first order information comprises a purchasing order and a target location, and the first order information is used for instructing the supplier to provide the materials indicated by the purchasing order to the target location according to the purchasing order; and for paying a payment to each of said suppliers based on each of said purchase orders before each of said suppliers provides said materials;

the warehousing management system is used for permitting the purchasing party to obtain the required materials from the materials for producing finished products, and the value of the obtained required materials is within the guarantee limit enjoyed by the purchasing party; the system is also used for supervising the buyer to return the finished product to the warehouse; and the system is also used for permitting the finished products to be delivered from the warehouse under the condition that the purchasing party pays a target payment or provides a pledge equivalent to the target payment, wherein the target payment is part of or all of the total payment formed by the payment corresponding to each material.

8. The industry chain financial management system of claim 7,

9. The industry chain financial management system of claim 8, further comprising an intelligent management lock;

the warehouse management system is specifically used for receiving an application of the purchasing party to get the required materials according to the production order or the production plan; when the value of the required material is confirmed to be within the guarantee limit enjoyed by the purchasing party, the intelligent management lock is authorized to be opened so as to permit the purchasing party to take the required material out of the warehouse;

the warehousing management system is also used for confirming that the quantity of the finished products returned by the purchasing party is matched with the received required materials; and/or, the system is used for confirming that the purchasing party returns the finished product to the warehouse according to the appointed time.

10. The industry chain financial management system of any one of claims 7 to 9, wherein the warehouse management system is specifically configured to:

acquiring the delivery information uploaded by the supplier;

pushing the delivery information to an appointed receiver;