CN115545948A - Financing management method and device - Google Patents
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Abstract
The invention discloses a financing management method and a financing management device, wherein the method comprises the following steps: acquiring a financing instruction sent by a user, and determining the category of the user; and responding to the user types of the domestic member user and the overseas member user, processing in a financing processing mode, generating a financing result according to the financing instruction, obtaining a credit contract according to the financing result, verifying and approving the credit contract, performing credit business according to the approval result to obtain a credit result, and feeding back the financing result and the credit result to the user. The invention realizes the management and control of the financing plan from the group level, supports the online reporting of the financing plan by the member unit, and effectively realizes the control of the financing plan and the service application related to the financing when the financing service is developed.
Description
Technical Field
The present invention relates to the field of financing technologies, and in particular, to a financing management method and apparatus.
Background
At present, each member unit of the group reports a financing plan by month in an offline manner, the financing plan in the next month is reported in the current month, and the execution condition of the financing plan is reported by a second-level unit.
Based on the current situation, the reporting, adjustment, summarization and execution conditions of the financing plans of the group are not subjected to comprehensive online management, the labor input cost is high, the timeliness and the accuracy of plan data are poor, the management requirements of the group on the financing plans of global member units cannot be met, and the service processing flows related to financing are complicated.
Disclosure of Invention
The present invention is directed to solving, at least in part, one of the technical problems in the related art.
Therefore, the invention aims to provide a financing management method, which realizes the management and control of a financing plan from a group level, supports the online reporting of the financing plan by member units, realizes the control of the financing plan when the financing service is developed, and efficiently realizes the financing processing service.
To achieve the above object, one aspect of the present invention provides a financing management method, including:
acquiring a financing instruction sent by a user, and determining the category of the user; wherein the categories of users include: domestic inside member users, overseas member users, and domestic and overseas member users;
responding to the fact that the category of the user is an intra-category member user, processing in a first financing processing mode, generating a financing result according to the financing instruction, obtaining a first credit contract according to the financing result, checking and approving the first credit contract, and performing credit business according to the approval result to obtain a credit result;
responding to the fact that the user is an overseas member user, processing in a second financing processing mode, generating a financing result according to the financing instruction, obtaining a second credit contract according to the financing result, checking and approving the second credit contract, and performing credit business according to the approval result to obtain a credit result;
responding to the fact that the user category is a domestic and overseas member user, processing in a third financing processing mode, generating a financing result according to the financing instruction, obtaining a third credit contract according to the financing result, verifying and approving the third credit contract, and performing credit business according to the approval result to obtain a credit result;
and feeding back the financing result and the credit result to the user.
In order to achieve the above object, another aspect of the present invention provides a financing management apparatus, comprising:
the instruction acquisition module is used for acquiring a financing instruction sent by a user and determining the category of the user; wherein the categories of users include: domestic inside member users, overseas member users, and domestic and overseas member users;
the first processing module is used for responding to the fact that the user is an intra-category member user, processing in a first financing processing mode, generating a financing result according to the financing instruction, obtaining a first credit contract according to the financing result, checking and approving the first credit contract, and performing credit business according to the approval result to obtain a credit result;
the second processing module is used for responding to the fact that the user is an overseas member user, processing in a second financing processing mode, generating a financing result according to the financing instruction, obtaining a second credit contract according to the financing result, verifying and approving the second credit contract, and performing credit business according to the approval result to obtain a credit result;
the third processing module is used for responding to the situation that the user is an overseas or overseas member user, processing in a third financing processing mode, generating a financing result according to the financing instruction, obtaining a third credit contract according to the financing result, verifying and approving the third credit contract, and performing credit business according to the approval result to obtain a credit result;
and the result feedback module is used for feeding back the financing result and the credit result to the user.
The financing management method and device of the embodiment of the invention realize the management and control of the financing plan from the group level, support the reporting of the financing plan on the member unit line, and realize the control of the financing plan and the efficient application of the financing service when the financing service is developed.
Additional aspects and advantages of the invention will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the invention.
Drawings
The foregoing and/or additional aspects and advantages of the present invention will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
FIG. 1 is a flow chart of a method of financing management according to an embodiment of the present invention;
FIG. 2 is a flow diagram of account opening according to an embodiment of the present invention;
FIG. 3 is a financing flow diagram according to an embodiment of the present invention;
FIG. 4 is a flow diagram of credit flow according to financing results in accordance with an embodiment of the present invention;
FIG. 5 is a flow diagram of a ticket financing according to an embodiment of the present invention;
FIG. 6 is a diagram illustrating an exemplary configuration of a financing management apparatus according to the present invention.
Detailed Description
It should be noted that, in the present application, the embodiments and features of the embodiments may be combined with each other without conflict. The present invention will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Hereinafter, a financing management method and apparatus according to an embodiment of the present invention will be described with reference to the accompanying drawings.
FIG. 1 is a flow diagram of a financing management method in accordance with one embodiment of the present invention.
As shown in fig. 1, the method includes:
s1, acquiring a financing instruction sent by a user, and determining the category of the user; wherein the categories of users include: domestic inside member users, overseas member users, and domestic and overseas member users;
s2, responding to the fact that the category of the user is an intra-category member user, processing in a first financing processing mode, generating a financing result according to a financing instruction, obtaining a first credit contract according to the financing result, checking and approving the first credit contract, and performing credit business according to the approval result to obtain a credit result;
s3, responding to the fact that the user is an overseas member user, processing in a second financing processing mode, generating a financing result according to a financing instruction, obtaining a second credit contract according to the financing result, checking and approving the second credit contract, and performing credit business according to the approval result to obtain a credit result;
s4, responding to the situation that the user is an overseas or overseas member user, processing in a third financing processing mode, generating a financing result according to the financing instruction, obtaining a third credit contract according to the financing result, checking and approving the third credit contract, and performing credit business according to the approval result to obtain a credit result;
and S5, feeding back the financing result and the credit result to the user.
It can be understood that the existing fund management system of the current financial company is not communicated with ERP, financial sharing and other systems of member units, the system does not support payment control of various management dimensions, the payment is not associated with fund budgets, the settlement mode is not comprehensive enough, global unified payment monitoring is not realized, and international payment data cannot be integrated and summarized.
The financing management system of the embodiment of the invention realizes the communication between the administrative center management system (in) and the payment front-end business system, including ERP and financial sharing system, realizes the global unified payment through the bank-enterprise interface, the financial company interface and SWIFT service, improves the efficiency of fund payment, communicates with the payment rear-end financial accounting system, and perfects the financial processing mechanism, so as to realize the full-flow management and control and information sharing of the payment business of the members in the house. The unified management of payment services of domestic member units in multi-calculation modes (bank transfer, checks and bills) is realized, including online and offline payment services, actively initiated payment and passively deducted payment are all uniformly supervised in a capital system, and the management and control of all payment settlement services of member units in a whole group are realized. All external payments and the classified association of the use of the capital of the state fund commission are realized, and data are provided for the use of a dynamic monitoring interface of the large-amount capital of the state fund commission. The unified query of the whole group payment service is realized, including domestic and overseas units, and the whole group complete payment data is acquired for a group management layer.
Further, as shown in fig. 2, in S201, an account opening application instruction sent by the user is obtained; s202, determining an account opening type of the account opening application instruction; wherein the account opening category includes: a financial company special account, a financial company special account and a fund unification special account; s203, responding to the account opening type being a financial company special account, opening a first internal account for the user, and generating account information of the first internal account; s204, in response to the account opening type being a financial and resource company special account, opening a second internal account for the user and generating account information of the second internal account; s205, in response to the account opening type being a fund unified special account, opening a third internal account for the user and generating account information of the third internal account; s206, the account information is fed back to the user.
It can be understood that the direct connection bank accounts in all member units are single currency accounts, and the balance settlement, the fund collection and the balance detail inquiry of the accounts are all processed in an N6 system at present; overseas bank account funds are managed by a financial company in a centralized manner, and member units report the balance and details of the bank account to a fund center per month, and the N6 system does not manage the overseas bank account. The bank account of each member unit (including overseas) is opened, changed and cancelled (recorded), and the internet bank is opened, changed and cancelled (recorded) by initiating an application in a file system, and the application is accepted by a fund center and is subjected to graded examination and approval. Based on the current situation, the current group cannot efficiently and visually manage and analyze the information of bank accounts (inside and outside) in real time; the whole account opening and application change links of the financial company are carried out offline, on one hand, the workload of the personnel of the settlement department for maintaining the basic information for the member units is increased, and on the other hand, the opening period is longer when the submitted information of the member units is incomplete.
Specifically, the system supports the whole life cycle unified management of domestic member unit accounts (bank accounts, non-bank financial institution accounts and internal accounts in financial companies) and the visualization of overseas member unit account information, so as to lay a foundation for realizing fund collection, payment settlement, risk control and data analysis:
the management of domestic bank accounts and online banking opening, change and account sale of financial companies, fund centers, groups and member units is supported in a department library system (domestic). And the visualization of the basic information, balance information and detail information of the bank account of the global member unit is supported. Internal accounts at the finance company: the opening, changing and selling of the special account (the account opened by the workshop and the project group) can be supported by one batch at one period, the additional recording can be carried out in a driver's library system (in the environment), and the balance information and the detail information are synchronous with the existing N6 system; the first-period and second-batch support the change, the account cancellation, the account balance and the detail of the current account and the opening, the change, the account cancellation, the account balance and the detail of the special account to interact with the financial company business system, so as to realize the online synchronization; other accounts (such as regular account, client and credit) are opened along with the business, are not managed by the account management module, and the balance and the details of the account are inquired in the corresponding business module (such as deposit, cash management and the like). The bank account cleaning and account checking are supported, so that daily management requirements of a fund center are met.
Further, the bank enterprise directly connects BP3 to complete data exchange work with the bank, which comprises the following steps: inquiring account balance information, inquiring account transaction records (details), sending transfer payment instructions, inquiring payment results, transferring funds and processing exceptions. When the BP3 is used for data exchange with a bank, security agent software of the bank may need to be managed and controlled according to access requirements of the specific bank in addition to managing and controlling application programs related to the BP 3. And fund processing is realized through a newly added bank-enterprise interface or SWIFT interface.
Further, acquiring a financing instruction sent by a user through the unified login verification of the portal subsystem.
Specifically, the digital signature supports the adoption of a check code technology to ensure the integrity of important data in the transmission process; the system provides a signature mode such as a CA digital certificate for anti-repudiation. For the request of important business (bank payment at the bank end of the Internet), the important fields (serial number, transaction amount, account number for transferring in and out and transaction time) are signed by adopting a mode of adding a digital signature to a security certificate, so that the non-repudiation of the requested data is ensured, and the receiver adopts a corresponding secret key to decrypt and check the signature, so that the integrity and the non-repudiation of the data can be ensured; important data stream transfer between cross-systems or platforms provides a tamper-proof verification mechanism, and the consistency of the contents of a sender and a receiver is ensured. The storage of the audit log has a tamper-proof function (each log record stored in the database table carries out tamper-proof processing on the key field to prevent technicians from modifying the operation log through a background to influence an audit result.
It can be understood that, at present, the portal system mainly integrates the system used by the finance company and the member unit users, and does not integrate the system used by the finance users.
Further, the portal system adopts a UKey and user name/password dual authentication mode to log in. The user clicks the connection of the portal system, then a PING code input page of a Ukey is popped up, the user inputs the PING code of the Ukey, the Ukey passes the verification and then jumps to a login page for inputting a user name/password, and the user inputs the user name and the password and enters a main page of the portal system after the verification passes; popping up a new browser window when a user logs in a service system after logging in a portal, calling login service of the service system, transmitting a user name and a password when logging in an SAP system from the portal system so that SAP can perform user identity authentication, and transmitting bill data when logging in other service systems so that the service system can perform cAS authentication; 4. the business system calls CAS verification service of the portal through an ESB platform; 5. the system comprises a financial company business system, a fund unified business system, a department center management system (home), a decision system (financial company), a decision system (department), a financial company core business system and a financial company core business system, wherein each system interface is opened in a mode of popping up a new window by adopting a CAS (document authentication) mode, and each system is an independent and unique window (namely, a certain system is clicked twice from a portal, and only one window is opened); a department center management system (overseas), a financial and resource company core service system and a financial accounting system of the financial and resource company verify the legality of entering each system; when entering each service system from a not portal, each service system needs to prompt information such as illegal user login (login from the portal system) and the like; all service systems must be accessed through a portal, and an independent login mechanism is removed from all service systems; when the portal system opens the service system, the portal system transmits the portal system ID to the service system for the heartbeat service call of the service system; when the service system portal switches the driver' S library central management system (overseas), financial company core service system and financial company financial accounting system), single sign-on is carried out by transmitting user name/password (encryption) (without inputting login user name and password), and each service system (B/S framework) needs to support IE (8-11 version) browser (except the financial company core service system).
Further, exception handling. When each business system is opened, if the user identity authentication fails (including cAS authentication and user name/password authentication of an IBM system), a friendly error prompt is given in the current window; when each service system is opened, if URL calling of each service system fails (service system downtime, network failure and the like), friendly error prompts are given in a current window; if the user logging in the portal system does not exist in the opened service system, the service system should record corresponding logs, so that problems can be conveniently checked by each system; aiming at the condition that a login user does not exist in each service system (such as maintenance of user data, failure of a service system synchronization and the like), a manual service system synchronization function machine is provided in a user management function; 5. the user opens the service system after logging in the portal, and if the portal system is closed, the service system is not influenced; a user opens a plurality of portals simultaneously, only the last portal is effective, and other portals are overdue in session; 7. after a user opens a service system from the portals, if one portal system (the same account) is opened, the user opens a plurality of portals simultaneously, only the last portal is effective, and the other portals are overdue in session; after a user opens a service system from a portal, if a portal system (the same account) is opened again, the previous portal system session is invalid, and after the previously opened service system is opened for a plurality of times without relation to the newly opened portal system (there may be a situation that the same service system opens multiple windows at the same time), the last opened service system session needs to be expired.
Further, the manufacturer is required to make a request. Providing a verification service for logging in the system through the URL (service logic should include calling a CAS service interface provided by a portal system for validity verification except an IBM system), and if the verification is successful, opening a main page, otherwise, prompting verification failure information; the IBM system needs to provide authentication service for logging in the system through the URL (service logic should include validity authentication according to a user name and a password), if the authentication is successful, a main page is opened, otherwise, authentication failure information is prompted; the URL service provided by each service system comprises session logic (the same user) for automatically overdue the last time that the user logs in the service system, so that various problems caused by the condition that a plurality of portals open a plurality of windows of the service system are avoided; when each business system enters from the portal and the user identity authentication fails, the user is prompted to fail in login.
Further, the login mode is verified, the password prohibits the plaintext from displaying the password, and special characters (x) with the same digits are used for replacing the password; the password of each user can be provided with an expiration date, namely, after the expiration date passes, the user is forced to modify the password; when a login webpage is opened, a key is required to be inserted and a password of the key is required to be input; judging whether the current user is matched with the used key certificate or not when clicking to log in, and judging whether the user name is consistent with the password or not; the password for logging in provides complexity setting (the requirements of providing the unique user identity and the complexity checking function of the identification information, ensuring that no repeated user identity exists in an application system and the identification information is not easy to falsely use are met); the requirement for password security in the equal guarantee requirement is met; when the user pulls out the UK, the system forcibly quits the login and terminates the current page of the IE browser, and immediately terminates the session after quitting the login or closing the client program and the browser page, thereby ensuring that the user cannot re-enter the previously logged-in online banking page in a mode of backing up, directly inputting an access address and the like. Multiple users with the same name are not allowed to be on line at any time; providing a login failure processing function, taking measures of ending a session, limiting illegal login times, automatically exiting and the like, and providing a log query function (IP, user, time, log content, content comprising wrong login password and no user name) of login failure; for a login password input error (3 times, which can be set), the system automatically locks the user for 15 minutes, does not allow the user to log in, automatically unlocks after 15 minutes, or manually unlocks by a user administrator; the new users all have initial passwords, and after login, the passwords must be modified and greetings must be set; the password requirement meets the requirement of complexity, the password complexity requirement can be set, and the length is not less than 8 bits; initially, the password must include letters and numbers; the method comprises the steps that after a password is input, the password is immediately encrypted, sensitive information keeps end-to-end encryption in an application layer, namely, data are guaranteed to exist in a ciphertext form all the time in the process from a source point to a destination point; if the user does not operate for a certain time (5 minutes, can set), the user will automatically quit the system.
After login is successful, the post of the login user selects a default post by default, and a menu owned by the post is listed on the left side; displaying specific information of a login user on a home page, and listing all unread messages and to-be-processed services of the user; wherein, the service to be processed lists the service to be processed of all posts of the user; clicking hyperlinks in the two lists can check specific message details and process specific services, and refreshing a home page after clicking processing is finished; the messages of the last month are listed by default for the read messages, and if the previous messages need to be checked, the messages can be checked through message inquiry; the list of items to be approved supports paging; clicking a menu adds a Tab sub-page on the side of the first page, and based on performance consideration, only 5 sub-pages can be provided at most; (prompting that the sixth tab is not allowed to be opened) adding the post information of the display processing to the service to be processed; skipping the clicked service to be processed to a corresponding specific service interface; the user logs in the system, the greeting is displayed on the home page, the greeting can be changed at any time, the greeting needs to be set except for the password modification during the first login, and the phishing prevention operation is realized.
And initializing the system and carrying out related processing operation on system announcement messages, flow reminding, service reminding, personal messages, financial company webpage messages and the system. And perfects the technical interface.
The interface of the embodiment of the invention is realized by mainly adopting a mechanism of client request-server response and a synchronous communication mode, and exemplarily, the interface can send the corresponding financing request in a mode of hyperText transfer protocol (HTTP) Publication (POST).
In the embodiment of the invention, a unified HTTP POST mode is adopted, the input parameter and the return value of the interface adopt messages with unified format, and the financial company service subsystem, the financial company service subsystem and the fund unified service subsystem can respectively carry out different service processing according to the service type codes of the input parameter corresponding to the financing request, convert the processing result into the messages with unified format and return the messages to the driver library management system. The interface can be called through an ESB platform, and the ESB platform has a requirement on a message in a fixed format.
It will be appreciated that the financing results of the internal institution of the applicant's application and the external banking system account are synchronized.
Further, acquiring a financing instruction, and allocating the fund of the internal account of the financial company service subsystem into a first internal account according to the financing instruction to obtain a first financing result; and generating a first feedback instruction according to the first financing result, feeding the first feedback instruction back to an external bank, and enabling the external bank account of the financial company to transfer the fund of the first loan result into the external bank account of the first member through a bank-enterprise interface or a SWIFT interface.
Further, acquiring a financing instruction, and transferring the fund of the internal account of the financing company business subsystem into the second internal account according to the financing instruction to obtain a second financing result; and receiving the second financing result and saving the financing record.
Further, acquiring a financing instruction, and transferring the fund of the fund center primary account of the finance company business subsystem into the third internal account according to the financing instruction to obtain a third financing result; and generating a third feedback instruction according to the third financing result, feeding the third feedback instruction back to an external bank, and enabling the external bank account of the fund center to transfer the fund of the third loan result into the external bank account of the third member through the bank-enterprise interface or the SWIFT interface.
Further, as shown in fig. 3, the method includes:
s401, acquiring a comparison result of capital structure assessment data and target data of each member unit user, and sequencing each member unit user according to the data comparison result to obtain a member sequencing result;
s402, compiling a first financing plan according to a preset period, rechecking and approving the first financing plan and compiling a second financing plan, summarizing the second financing plan to obtain financing plans of all member unit users, and obtaining financing plan limits of all member unit users according to the approvals of the financing plans of all the member unit users;
s403, acquiring financing plan quota and member sequencing result of all member unit users, financing all the member unit users, comparing actual financing amount with financing plan quota, and obtaining a first financing result according to amount comparison result and financing control mode;
s404, acquiring financing plan credit and member sequencing results of all member unit users, financing all the member unit users, comparing actual financing amount with financing plan credit, and obtaining a second financing result according to the amount comparison result and financing control mode;
s405, acquiring financing plan quota and member sequencing result of all member unit users, financing all member unit users, comparing actual financing amount with financing plan quota, and obtaining a third financing result according to amount comparison result and financing control mode;
s406, feeding back the first financing result, the second financing result and the third financing result to the member unit user.
Specifically, in the driver's library management subsystem, the member units financing management posts compile and report financing plans, and submit to the unit and the superior member units for rechecking and approval; and (4) compiling the self financing plan by the second-level member financing management post, summarizing the financing plans of all the member units subordinate to the second-level member financing management post, and submitting the financing plans to the member unit for rechecking and approval. The content of the edition and report includes the name of the unit, financial institution, currency, loan type, term, amount, etc. The group/fund center collects the financing plans of all the second-level member units, and after approval, the financing plan quota takes effect and is synchronized to the financial company peripheral business system for managing the financial company credit plan.
The financing plan control needs to support two modes of strong control and weak control. When the financing business occurs and the financing amount exceeds the financing plan limit, if the control mode is strong control, the financing is not allowed; if the control mode is weak control, the integration is allowed. The financing plan control controls the total financing amount according to the member unit.
Further, as shown in fig. 4, the method includes:
s501, under the condition that the category is determined to be the intra-country member unit user, obtaining a credit instruction sent by the member unit user, selecting a credit management scheme according to the credit instruction, and performing credit operation on the credit instruction sent by the member unit user based on the credit management scheme to obtain a first credit result;
s502, under the condition that the category is determined to be the overseas member unit user, acquiring a credit instruction sent by the member unit user, selecting a credit management scheme according to the credit instruction, and performing credit operation on the credit instruction sent by the member unit user based on the credit management scheme to obtain a second credit result;
s503, under the condition that the category is determined to be the internal member unit user, acquiring a credit instruction sent by the member unit user, selecting a credit management scheme according to the credit instruction, and performing credit operation on the credit instruction sent by the member unit user based on the credit management scheme to obtain a third credit result;
and S504, feeding back the first credit result, the second credit result and the third credit result to the member unit user.
As an example, a fund center applies for a floating fund loan through financing control, and a finance company accepts loan transaction and contracts the loan transaction.
The fund center initiates withdrawal application and verification of the mobile fund loan in financing control; and after the approval, the financial company accepts the withdrawal application. The withdrawal application entry information comprises withdrawal date, withdrawal amount, remark and other information (the term, the repayment mode, the repayment date, the payment mode, the payment date, the interest rate adjustment mode and the interest rate cannot be modified), and uploads application related accessory information.
After the financial company completes the deposit processing through the peripheral business system, the fund center automatically performs the payment business account registration in the financing management and control module, and triggers the fund center settlement module to perform the automatic accounting processing.
Further, the fund center initiates a repayment application and checks in financing management and control; and after the examination is passed, the fund center transfers the principal to be returned and interest to the account of the financial company. And executing a receipt due to the financial company, after the receipt is executed, automatically performing payment service ledger registration in the financing management and control module by the fund center, and triggering a settlement module of the fund center to perform automatic accounting processing. When the contract is due and principal and interest should not be paid under the contract item, the contract is settled and processed.
Further, the fund center carries out contract change application through financing management and control; and after the financial company performs contract change processing through the peripheral business system, the fund center receives the result and performs contract change registration. Interest rate change refers to manual interest rate adjustment for borrowed and non-borrowed contracts and automatic interest rate adjustment according to contractually agreed interest rate adjustment rules. The manual interest rate adjustment is that the fund center carries out interest rate change application through financing control; and (4) the financial company accepts the interest rate change, and after the processing is finished, the fund center registers the interest rate change. The automatic interest rate adjustment is that the financial company carries out the interest rate change processing, and the fund center carries out the interest rate change registration.
Further, the loan extension is that the borrower cannot pay on schedule due to special reasons, and performs contract extension on the premise of meeting the loan extension condition, wherein the contract extension supports full-amount and partial-amount extensions. The loan exhibition has two initiating modes, one is that contract exhibition application is carried out through financing management and control, a financial company carries out contract exhibition acceptance through a peripheral service system, and a fund center carries out contract exhibition related registration after the processing is finished; and secondly, the borrower submits loan exhibition application on line, and after the loan exhibition application is processed by a peripheral business system of the financial company, the fund center performs contract exhibition-related registration.
Further, as shown in fig. 5, the method includes:
s601, receiving and verifying a first bill under the condition that a financing instruction sent by a user as a member unit is the first bill and the category of the user as the member unit is determined as an internal member unit, and financing the bill by directly connecting a bill exchange station by using a financial company account under the condition that the verification is passed to generate a first bill financing result;
s602, acquiring a financing instruction sent by a member unit user as a second bill, receiving the second bill and verifying the second bill under the condition that the type of the member unit user is determined to be an overseas member unit, and performing bill financing by directly connecting a bill delivery station by using an internal account of a finance company under the condition that the verification is passed to generate a second bill financing result;
s603, under the condition that the financing instruction sent by the user of the member unit is the third bill and the category of the user of the member unit is determined as the domestic member unit, receiving the third bill and verifying the third bill, and under the condition that the verification is passed, directly connecting the bill financing through a bill delivery by using a capital center primary account to generate a third bill financing result;
s604, the first bill financing result, the second bill financing result and the third bill financing result are fed back to the member unit user.
Further, processing a guarantee management request through a guarantee management module, and simultaneously completing the composition and approval of the guarantee management request; wherein, the guarantee management request comprises, guarantee establishment, guarantee modification, guarantee extension period, guarantee expiration, guarantee migration, guarantee application/registration, use of offset pledge, contract change and contract conclusion item;
processing a financing management request through a financing management module, wherein the financing management request comprises financing contract management, withdrawal management, financing and repayment of cost and expenditure, interest rate change and capital structure management; wherein, the financing contract management comprises contract application, contract registration, contract change, contract extension and contract closing; the withdrawal management comprises withdrawal application, collection detail filling financing plan and deposit and withdrawal plan; the payment and expense of the financing repayment book comprise first payment detail repayment, payment and expense indication register account; the interest rate change comprises contract or interest rate change application and updated payment plan data; the capital structure management sets capital structure assessment target data and a capital structure statistical table;
processing the credit card management request through a credit card management module; the credit management request comprises bank credit management, to-be-opened management and receipt management of a financial company; the bank credit card opening management comprises opening registration, first credit card change, first incoming bill registration, second payment detail filling and first credit card verification and cancellation; the management of the to-be-opened certificate of the financial company comprises an opening application, a second credit certificate change, a receipt application, a second receipt registration, a third payment detail filling and a second credit certificate verification and cancellation; the certificate receiving management comprises certificate receiving registration, bill drawing registration, first certificate detail filling and third credit certificate verification and cancellation;
processing an insurance policy management request through an insurance policy management module; the request for insurance policy management includes: issuing and receiving insurance policy management; wherein, the issuing insurance management comprises insurance letter opening application, insurance letter opening registration, insurance letter financing, insurance letter change, fourth payment detail filling and first insurance letter ending; and the received insurance policy management comprises income insurance policy registration, insurance policy information modification, insurance policy transfer, second payment detail filling and second insurance policy ending.
Further, the financing result and the credit result are sent to a visualization system, and a visualization view is generated according to the financing result and the credit result; providing a unified login verification function by using a portal subsystem; the unified login verification function comprises a certificate and user name and password dual authentication function; and the portal subsystem is also used for providing an approval function, a task to be handled prompting function, a notice notification function and a user data synchronization function for the user.
Further, acquiring first data, and performing data cleaning on the first data to obtain second data; the first data comprises financing data, account management data, settlement data, fund conditions, large fund monitoring data, production and operation data and financial accounting data; storing the second data in different databases according to the characteristics of the second data, and establishing a data analysis chart; establishing data models of different applications according to the characteristics of data in the data analysis chart; and dynamically monitoring the first data index. Specifically, the data source layer of the first data: the source of the data. Comprises a department center management system (overseas) and an overseas financial resource system; a data integration layer: extracting data from a data source, cleaning the data and loading the cleaned data into a target data storage; data center layer: storing fund data to form a proprietary theme database); for all data to be finalized into the data warehouse, and for fast presentation, quasi-real-time corresponding data may be formed into a real-time data table. A data buffer area: selecting a data storage mode suitable for self function and performance requirements according to a specific data application service; data repository area: the method is characterized in that the relationship among various data is established and coordinated and uniformly used through a data model. The system comprises a real-time data storage area and a data warehouse core data storage area, and effective data isolation of the driver database and the data of the financial company is ensured; data set urban area: a DM is a set of data sets that are specific to a certain subject domain, business segment, or user category. The data mart can ensure high availability, expandability and high performance of data analysis and report forms; applying a model layer: integrating to form different application models according to different data application displays; a data presentation layer: the data application means and channels establish different application functions according to the requirements of report statistical analysis application.
According to the financing management method provided by the embodiment of the invention, the financing plan is managed and controlled from a group level, the online reporting of the financing plan by member units is supported, and the control of the financing plan and the service application related to financing are effectively realized when the financing service is developed.
In order to implement the above embodiment, as shown in fig. 6, in this embodiment, a financing management apparatus is further provided, where the apparatus 10 includes:
an instruction obtaining module 100, configured to obtain a financing instruction sent by a user, and determine a category of the user; wherein the categories of users include: domestic inside member users, overseas member users, and domestic and overseas member users;
the first processing module 200 is configured to respond to the category of the user as an intra-category member user, perform processing in a first financing processing mode, generate a financing result according to the financing instruction, obtain a first credit contract according to the financing result, perform verification and approval on the first credit contract, and perform credit service according to the approval result to obtain a credit result;
the second processing module 300 is configured to respond to that the category of the user is an overseas member user, perform processing in a second financing processing mode, generate a financing result according to the financing instruction, obtain a second credit contract according to the financing result, perform verification and approval on the second credit contract, and perform credit service according to the approval result to obtain a credit result;
the third processing module 400 is used for responding to the situation that the user is an overseas or overseas member user, processing in a third financing processing mode, generating a financing result according to the financing instruction, obtaining a third credit contract according to the financing result, verifying and approving the third credit contract, and performing credit business according to the approval result to obtain a credit result;
and a result feedback module 500 for feeding back the financing result and the credit result to the user.
According to the financing management device provided by the embodiment of the invention, the financing plan is managed and controlled from a group level, the member unit is supported to report the financing plan on line, and the control of the financing plan and the service application related to financing are effectively realized when the financing service is developed.
Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one of the feature. In the description of the present invention, "a plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Moreover, various embodiments or examples and features of various embodiments or examples described in this specification can be combined and combined by one skilled in the art without being mutually inconsistent.
Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention, and that variations, modifications, substitutions and alterations can be made to the above embodiments by those of ordinary skill in the art within the scope of the present invention.
Claims (12)
1. A method of financing management, comprising:
acquiring a financing instruction sent by a user, and determining the category of the user; wherein the categories of users include: domestic inside member users, overseas member users, and domestic and overseas member users;
responding to the fact that the category of the user is an intra-category member user, processing in a first financing processing mode, generating a financing result according to the financing instruction, obtaining a first credit contract according to the financing result, checking and approving the first credit contract, and performing credit business according to the approval result to obtain a credit result;
responding to the fact that the user is an overseas member user, processing in a second financing processing mode, generating a financing result according to the financing instruction, obtaining a second credit contract according to the financing result, checking and approving the second credit contract, and performing credit business according to the approval result to obtain a credit result;
responding to the fact that the user type is a member user inside or outside the country, processing in a third financing processing mode, generating a financing result according to the financing instruction, obtaining a third credit contract according to the financing result, checking and approving the third credit contract, and performing credit business according to the approval result to obtain a credit result;
and feeding back the financing result and the credit result to the user.
2. The method of claim 1, further comprising:
acquiring an account opening application instruction sent by the user;
determining an account opening type of the account opening application instruction; wherein the account opening category includes: a financial company special account, a financial company special account and a fund unification special account;
responding to the account opening type being a financial company special account, opening a first internal account for the user, and generating account information of the first internal account;
responding to the account opening type being a financial and resource company special account, opening a second internal account for the user, and generating account information of the second internal account;
responding to the account opening type being a fund unified special account, opening a third internal account for the user, and generating account information of the third internal account;
and feeding back the account information to the user.
3. The method of claim 2, further comprising:
acquiring the financing instruction, and transferring the fund of the internal account of the financial company into the first internal account according to the financing instruction to obtain a first financing result; and the number of the first and second groups,
and generating a first feedback instruction according to the first financing result, feeding the first feedback instruction back to an external bank, and making the external bank account of the financial company draw the fund of the first financing result into the external bank account of the first member through a bank-enterprise interface or a SWIFT interface.
4. The method of claim 3, further comprising:
acquiring the financing instruction, and transferring the fund of the internal account of the financing company into the second internal account according to the financing instruction to obtain a second financing result; and (c) a second step of,
and acquiring the second financing result and storing a financing record.
5. The method of claim 4, further comprising:
acquiring the financing instruction, and transferring the fund of the fund center primary account of the fund unification company into the third internal account according to the financing instruction to obtain a third financing result; and (c) a second step of,
and generating a third feedback instruction according to the third financing result, feeding the third feedback instruction back to an external bank, and enabling the external bank account of the fund center to transfer the fund of the third financing result into the external bank account of the third member through a bank-enterprise interface or a SWIFT interface.
6. The method according to claim 5, wherein the first financing process, the second financing process and the third financing process are adopted for processing, and the financing result is generated according to the financing instruction:
acquiring a comparison result of capital structure assessment data and target data of each member unit user, and sequencing each member unit user according to the data comparison result to obtain a member sequencing result;
compiling a first financing plan according to a preset period, rechecking and approving the first financing plan and compiling a second financing plan, summarizing the second financing plan to obtain financing plans of all member unit users, and obtaining financing plan limits of all member unit users according to the approving of the financing plans of all member unit users;
acquiring financing plan quota and member sequencing result of all member unit users, financing all the member unit users, comparing actual financing amount with financing plan quota, and obtaining a first financing result according to amount comparison result and financing control mode;
acquiring financing plan quota and member sequencing result of all member unit users, financing all the member unit users, comparing actual financing amount with financing plan quota, and obtaining a second financing result according to amount comparison result and financing control mode;
acquiring financing plan quota and member sequencing result of all member unit users, financing all the member unit users, comparing actual financing amount with financing plan quota, and obtaining a third financing result according to amount comparison result and financing control mode;
and feeding back the first financing result, the second financing result and the third financing result to the member unit user.
7. The method according to claim 1, wherein obtaining the first, second and third credit contracts based on the financing results, and performing a validation approval on the first, second and third credit contracts, and performing the credit service based on the approval results to obtain the credit results comprises:
under the condition that the category is determined to be an in-home member unit user, a credit instruction sent by the member unit user is obtained, a credit management scheme is selected according to the credit instruction, and a first credit result is obtained by performing credit operation on the credit instruction sent by the member unit user based on the credit management scheme;
under the condition that the category is determined to be the overseas member unit user, a credit instruction sent by the member unit user is obtained, a credit management scheme is selected according to the credit instruction, and a second credit result is obtained by performing credit operation on the credit instruction sent by the member unit user based on the credit management scheme;
under the condition that the category is determined to be an in-house member unit user, a credit instruction sent by the member unit user is obtained, a credit management scheme is selected according to the credit instruction, and a third credit result is obtained by performing credit operation on the credit instruction sent by the member unit user based on the credit management scheme;
and feeding back the first credit result, the second credit result and the third credit result to the member unit user.
8. The method of claim 5,
under the condition that a financing instruction sent by a user of a member unit is a first bill and the category of the user of the member unit is determined to be an domestic member unit, receiving the first bill and verifying, and under the condition that the verification is passed, directly connecting the bill financing through a bill delivery station by using an account of a financial company to generate a first bill financing result;
acquiring a financing instruction sent by a member unit user as a second bill, receiving the second bill and verifying the second bill under the condition that the category of the member unit user is determined to be an oversea member unit, and performing bill financing by directly connecting a bill delivery station by using an internal account of the financing company under the condition that the verification is passed to generate a second bill financing result;
acquiring a financing instruction sent by a user as a member unit as a third bill, receiving the third bill and verifying the third bill under the condition that the category of the user as the member unit is determined as an in-house member unit, and financing the third bill by directly connecting bills through a bill exchange by using a primary account of the capital center under the condition that the verification is passed, so as to generate a third bill financing result;
and feeding back the first bill financing result, the second bill financing result and the third bill financing result to the member unit user.
9. The method of claim 1, further comprising:
processing a guarantee management request through a guarantee management module, and simultaneously completing the composition and approval of the guarantee management request; wherein, the guarantee management request comprises guarantee establishment, guarantee modification, guarantee extension period, guarantee expiration, guarantee migration, guarantee application/registration, use of an offset security, contract change and contract settlement items;
processing a financing management request through a financing management module, wherein the financing management request comprises financing contract management, withdrawal management, financing and repayment of cost and expenditure, interest rate change and capital structure management; wherein, the financing contract management comprises contract application, contract registration, contract change, contract extension and contract closing; the withdrawal management comprises withdrawal application, collection detail filling financing plan and deposit and withdrawal plan; the payment and expense of the financing repayment book comprise first payment detail repayment, payment and expense indication register account; the interest rate change comprises contract or interest rate change application and updated payment plan data; the capital structure management sets capital structure assessment target data and a capital structure statistical table;
processing the credit card management request through a credit card management module; the credit management request comprises bank credit management, to-be-opened management and receipt management of a financial company; the bank credit card opening management comprises issuing registration, first credit card change, first incoming bill registration, second payment detail filling and first credit card verification and cancellation; the management of the to-be-opened certificate of the financial company comprises an opening application, a second credit certificate change, a receipt application, a second receipt registration, a third payment detail filling and a second credit certificate verification and cancellation; the certificate receiving management comprises certificate receiving registration, bill drawing registration, first certificate detail filling and third credit certificate verification and cancellation;
processing an insurance policy management request through an insurance policy management module; the insurance policy management request includes: issuing and receiving insurance policy management; wherein, the issuing insurance management comprises insurance letter opening application, insurance letter opening registration, insurance letter financing, insurance letter change, fourth payment detail filling and first insurance letter ending; and the received insurance policy management comprises income insurance policy registration, insurance policy information modification, insurance policy transfer, second payment detail filling and second insurance policy ending.
10. The method of claim 1, further comprising:
generating a visual view according to the financing result and the credit result; and the number of the first and second groups,
providing a unified login verification function; the unified login verification function comprises a certificate and user name and password dual authentication function; and the portal subsystem is also used for providing an approval function, a task to be handled prompting function, a notice notification function and a user data synchronization function for the user.
11. The method of claim 10, further comprising:
acquiring first data, and performing data cleaning on the first data to obtain second data; wherein the first data comprises financing data, account management data, settlement data, fund condition, large fund monitoring data, production and operation data and financial accounting data;
storing the second data in different databases according to the characteristics of the second data, and establishing a data analysis chart;
establishing data models of different applications according to the characteristics of data in the data analysis chart; and dynamically monitoring the index of the first data.
12. A financing management apparatus, characterized by comprising:
the instruction acquisition module is used for acquiring a financing instruction sent by a user and determining the category of the user; wherein the categories of users include: domestic inside member users, overseas member users, and domestic and overseas member users;
the first processing module is used for responding to the fact that the category of the user is an intra-domestic member user, processing in a first financing processing mode, generating a financing result according to the financing instruction, obtaining a first credit contract according to the financing result, verifying and approving the first credit contract, and performing credit business according to the approval result to obtain a credit result;
the second processing module is used for responding to the fact that the user is an overseas member user in category, processing in a second financing processing mode, generating a financing result according to the financing instruction, obtaining a second credit contract according to the financing result, verifying and approving the second credit contract, and performing credit business according to the approval result to obtain a credit result;
the third processing module is used for responding to the situation that the user is an overseas or overseas member user, processing in a third financing processing mode, generating a financing result according to the financing instruction, obtaining a third credit contract according to the financing result, verifying and approving the third credit contract, and performing credit business according to the approval result to obtain a credit result;
and the result feedback module is used for feeding back the financing result and the credit result to the user.
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