TW202230261A - E-commerce platform server and method for assisting suppliers in obtaining loan - Google Patents

Abstract

The present invention discloses an e-commerce platform server and a method for assisting suppliers in obtaining loan. The e-commerce platform is connected to a supplier device and a lending institution server via the internet. The e-commerce platform server includes a memory module, a transmission module and a processing module. The memory module stores a supplier operating data. The transmission module receives a loan request from the supplier device. According to the loan request, the processing module obtains the supplier operating data corresponding to the supplier device from the memory module. The processing module executes a repayment ability evaluation model based on the supplier operating data to obtain an evaluation report. The transmission module sends the evaluation report to the supplier device, and after receiving a confirmed request from the supplier device, the transmission module sends the supplier operating data to the lending institution server.

Description

E-commerce platform server and method for assisting suppliers to obtain loans

The present invention relates to a network server for an e-commerce platform.

With the high development of communication and Internet-related industries, e-commerce is also booming. In particular, online shopping e-commerce platforms are frequently used by consumers. Therefore, in addition to setting up their own websites to sell products, suppliers (ie stores, or manufacturers) more frequently sell products through online shopping e-commerce platforms.

Generally speaking, after a supplier provides a product to the relevant department of the online shopping e-commerce platform, it must be checked, packaged, and put on the shelves by the personnel of the relevant department. It usually takes about 4.5 months (about 135 days) from supplier stocking to consumer ordering and payment. If the monthly settlement method is adopted, it will take another month (about 30 days) for the online shopping e-commerce platform to settle the cost of product sales to the supplier. For suppliers, the funding gap is as long as 165 days. In addition, during the hot season, suppliers usually increase the stocking volume on the online shopping e-commerce platform. Therefore, it is more likely that there will be insufficient cash flow before the inventory goods are sold or settled.

However, most suppliers are small and medium-sized enterprises, and it is difficult to obtain financing from financial institutions such as banks. Therefore, in order to avoid expanding the capital gap, most suppliers are relatively conservative in the number of stockpiles and have fewer types of goods (only selling hot-selling products). For the operators of online shopping e-commerce platforms, a small number of stocks will easily lead to out-of-stock and out-of-stock situations, and a small variety of products will lead to less choice, which will affect consumers' willingness to spend on online shopping e-commerce platforms. , and affect the vigorous growth of supplier companies, there is a need for improvement.

In view of the above problems, the main purpose of the present invention is to provide an e-commerce platform server and method for assisting suppliers to obtain loans, so as to solve the problem that conventional online shopping e-commerce platforms cannot assist suppliers in financing, resulting in shortage of goods, There are few types, which affects the willingness to consume.

In order to achieve the above object, the present invention provides an e-commerce platform server for assisting suppliers to obtain loans, which is connected to at least one supplier-side device and a lending institution server through a network. The e-commerce platform server includes a memory module, a transmission module and a processing module, and the processing module is electrically connected with the memory module and the transmission module. The memory module includes a transaction database, and the transaction database stores at least one supplier's operation data. The transmission module receives a loan request from the supplier device. The processing module obtains supplier operation data corresponding to the supplier device from the transaction database according to the loan request, and executes a repayment ability evaluation mode based on the supplier operation data to obtain an evaluation report. The processing module transmits the evaluation report to the supplier end device through the transmission module, and after receiving a confirmed loan request from the supplier end device, transmits the supplier operation data to the lending institution server. The transmission module obtains a loan review result from the lending institution server, and transmits it to the supplier-end device.

In order to achieve the above object, the present invention further provides a method for assisting suppliers to obtain loans, which is applied to an e-commerce platform server. The e-commerce platform server is connected with at least one supplier-side device and a lending institution server through a network. The e-commerce platform server stores operation data of at least one supplier. The method for assisting a supplier to obtain a loan includes the following steps: receiving a loan request from a supplier-side device; obtaining supplier operation data corresponding to the supplier-side device from a transaction database according to the loan request; executing a repayment based on the supplier's operation data Obtain an evaluation report in the capability evaluation mode; send the evaluation report to the supplier-side device, and receive a loan confirmation request from the supplier-side device; send the supplier operation data to the lending institution server; and receive a loan from the lending institution server The audit result is sent to the supplier's device.

According to an embodiment of the present invention, the lending institution server executes the repayment ability evaluation mode based on the supplier operation data to obtain the loan review result.

According to an embodiment of the present invention, the evaluation report includes a loan amount, a loan interest rate, and a repayment schedule.

According to an embodiment of the present invention, the supplier operation data includes an account receivable information, an account payable information, an inventory value information and a sales quantity information.

In order to achieve the above object, the present invention provides another e-commerce platform server for assisting suppliers to obtain loans, which is connected to at least one supplier-side device and a lending institution server through a network. The e-commerce platform server includes a memory module, a transmission module and a processing module, and the processing module is electrically connected with the memory module and the transmission module. The memory module includes a transaction database, and the transaction database stores at least one supplier's operation data. The transmission module receives a loan request from the supplier device. The processing module obtains the supplier operation data corresponding to the supplier device from the transaction database according to the loan request. The processing module transmits the supplier operation data to the lending institution server through the transmission module. The transmission module receives a loan review result from the lending institution server, and transmits it to the supplier-end device. The lending institution server executes a repayment ability evaluation mode based on the supplier operation data to obtain the loan review result.

In order to achieve the above-mentioned purpose, the present invention further provides a method for assisting a supplier to obtain a loan, which is applied to an e-commerce platform server. The e-commerce platform server is connected with at least one supplier-side device and a lending institution server through a network. The e-commerce platform server stores operation data of at least one supplier. A method for assisting a supplier to obtain a loan includes the following steps: receiving a loan request from a supplier device; obtaining supplier operation data corresponding to the supplier device from a transaction database according to the loan request; transmitting the supplier operation data to a lending institution server and receiving a loan review result from the lending institution server and sending it to the supplier device. The lending institution server executes a repayment ability evaluation mode based on the supplier operation data to obtain the loan review result.

According to an embodiment of the present invention, the supplier operation data includes an account receivable information, an account payable information, an inventory value information and a sales quantity information.

As mentioned above, according to the e-commerce platform server of the present invention and the method for assisting suppliers to obtain loans, the e-commerce platform server includes a memory module and a processing module. The memory module includes a transaction database and stores supplier operation data. After the processing module receives the loan request from the supplier device, it can obtain the supplier operation data corresponding to the supplier device from the transaction database. The processing module can first execute the repayment ability evaluation model based on the supplier's operation data to obtain an evaluation report. Therefore, suppliers who do not agree with the loan amount, borrowing rate, or repayment schedule can be excluded in advance (ie, suppliers who give up applying for loans). Similarly, the e-commerce platform server can also exclude suppliers who are not eligible for loan approval in advance, thereby speeding up the overall efficiency of loan approval at the lending institution.

In addition, the supplier operation data is transmitted to the lending institution server, so that the lending institution server can use the supplier operation information provided by the e-commerce platform server to execute the repayment ability evaluation mode. Therefore, the real-time operational information of suppliers on the e-commerce platform (for example, inventory value, sales volume, accounts receivable and accounts payable, etc.) can be included as one of the analysis elements of the repayment ability evaluation model, which can increase suppliers’ acquisition of probability of loan.

In order to better understand the technical content of the present invention, preferred specific embodiments are given as follows.

FIG. 1 is a schematic diagram of the use environment of the e-commerce platform server according to the first embodiment of the present invention, and FIG. 2 is a flow chart of the steps of the method for assisting a supplier to obtain a loan according to the first embodiment of the present invention. Please refer to FIG. 1 and FIG. 2 shown. The e-commerce platform server 1 in this embodiment is a server operated by the power supplier platform (especially the online shopping platform), or is called a server host. The e-commerce platform server 1 generates the function of assisting the supplier to obtain the loan by executing the method of assisting the supplier to obtain the loan as shown in FIG. 2 , the details of which will be described in detail later.

In addition, the e-commerce platform server 1 has a communication function, and can be connected to at least one supplier-side device 8 and a lending institution server 9 through a network. Preferably, the e-commerce platform server 1 can be connected to the lending institution server 9 through a virtual private network (Virtual Private Network, VPN). The "supplier-side device 8" in this embodiment refers to an electronic device operated by a product supplier (ie, a manufacturer or an individual business owner) cooperating with the e-commerce platform operator, and is an electronic device with a communication function. The supplier-side device 8 can be, for example, but not limited to, a personal computer, a tablet computer (PAD), a smart phone, a PDA, and other electronic devices having computer software running. FIG. 1 takes a personal computer as an example.

The lending institution server 9 in this embodiment includes a network server of a bank, a post office, or other financial institutions with financing services, etc., and may also include a private lending company, and other specific contents will be further described later. When the supplier has a capital turnover requirement, the supplier's personnel can use the e-commerce platform server 1 of this embodiment to apply for a loan by operating the supplier-side device 8 .

As shown in FIG. 1 , the e-commerce platform server 1 includes a memory module 10 and a processing module 20 . The memory module 10 can be a fixed or removable non-transitory computer-readable storage medium, including but not limited to random access memory (RAM), read-only memory (read-only memory) , ROM), flash memory, optical disc, or other similar components, or a combination of the above components, and are used to store the method for assisting suppliers to obtain loans as shown in FIG. 2 and corresponding multiple instructions. In addition, the memory module 10 of this embodiment includes a transaction database 11 . Specifically, the memory module 10 is a non-transitory computer-readable storage medium, and its storage space can be divided to serve as the transaction database 11 for storing the supplier's transaction data and operation-related data (the following referred to as Supplier Operational Data).

In addition, the transaction database 11 of the memory module 10 of the present embodiment also stores the basic information of the supplier, such as the supplier's login account on the e-commerce platform, the person in charge of the supplier, telephone number, address, and supplied goods (or services). ) type, capital amount and other basic information. The supplier's monthly or quarterly supply and sales are also stored in the transaction database 11 . Generally speaking, suppliers (including product suppliers, or private label manufacturers) provide products or services for sale on e-commerce platforms that are online shopping. After consumers complete the order on the e-commerce platform, most of them are shipped by the e-commerce platform, and a few are shipped directly by the supplier. In addition, the payment made by consumers is also first received by the e-commerce platform, and the e-commerce platform usually pays the supplier on a monthly basis. Therefore, the e-commerce platform server 1 can obtain relevant information such as shipments, inventory, accounts receivable and accounts payable of each supplier.

Also, the processing module 20 can be, for example, but not limited to, one or more central processing units (CPUs), microcontrollers (MCUs), digital signal processors (DSPs), or Other electronic components or integrated circuits (ICs) capable of signal processing, logic operations and electronic device control. The processing module 20 includes a chip set formed by a plurality of units (eg, a computing unit 21 , a search unit 22 and an evaluation unit 23 ). The processing module 20 is electrically connected to the memory module 10 for accessing data from the transaction database 11 and executing a plurality of instructions corresponding to the method of assisting the supplier to obtain the loan, thereby generating corresponding calculation operations, search ( different actions such as search) assignments and assessment assignments. According to the different functions of the processing module 20 , it is divided into a plurality of processing units such as a calculation unit 21 , a search unit 22 and an evaluation unit 23 , and they are electrically connected to each other.

Preferably, the calculation unit 21 of this embodiment can calculate the accounts receivable, accounts payable, inventory value and sales quantity of each supplier and other data related to operations according to the aforementioned data (for example, supply and sales), and sent to the memory module 10 for storage in the transaction database 11 . In addition, the aforementioned data can be integrated into supplier operation data. In other words, the transaction database 11 stores supplier operation data of each supplier, and the supplier operation data includes an account receivable information, an account payable information, an inventory value information and a sales quantity information.

In addition, the e-commerce platform server 1 of this embodiment further includes a transmission module 30 . The processing module 20 is electrically connected with the transmission module 30 , and performs data transmission with the supplier-end device 8 and the lending institution server 9 through the transmission module 30 . The way of data transmission between the e-commerce platform server 1, the supplier-side device 8, and the lending institution server 9 is different according to the different hardware structures that cooperate with each other. , Wi-Fi or 4G LTE and other data transmission technologies. Preferably, the e-commerce platform server 1 can be connected to the lending institution server 9 through a virtual private network (Virtual Private Network, VPN).

Referring to FIG. 1 and FIG. 2 , the implementation of the e-commerce platform server 1 is further described below according to the step flow of the method for assisting a supplier to obtain a loan.

Step S10: The supplier device 8 transmits a loan request.

In one embodiment, the supplier must first register an account on the e-commerce platform before listing products on the e-commerce platform. At this time, the processing module 20 of the e-commerce platform server 1 can provide a specific code (supplier code) corresponding to the account, for example, the message sent by supplier A includes code 00001. Subsequent messages or requests sent by the account all contain the supplier code corresponding to the supplier. In addition, information such as the account number and the supplier code of the supplier device 8 is stored in the memory module 10 , preferably in the transaction database 11 .

When the supplier has capital turnover needs, the personnel of the supplier or the manufacturer, or the individuals of the enterprise group, can use the e-commerce platform server 1 of this embodiment to serve the lending institution by operating the supplier-side device 8 The device 9 (for example, a server of a bank or a private lending company) submits a loan application. Specifically, the data management interface provided to the supplier by the processing module 20 of the e-commerce platform server 1 may include a loan application icon. When the supplier's personnel clicks on the loan application pattern, the supplier-side device 8 transmits the loan request to the e-commerce platform server 1 .

In one embodiment, the supplier must first log in to the account registered and applied for before operating the supplier's data management interface. Therefore, the loan request transmitted by the supplier-side device 8 (eg, supplier A) contains the supplier code (00001). In another embodiment, the supplier (Supplier A) also inputs the supplier code (00001) in the data management interface, which is not limited in the present invention.

Step S20 : the e-commerce platform server 1 receives the loan request from the supplier device 8 , and obtains the supplier operation data corresponding to the supplier device 8 from the transaction database 11 according to the loan request.

The transmission module 30 of the e-commerce platform server 1 receives the loan request from the supplier device 8 and transmits it to the processing module 20 . Preferably, the processing module 20 includes a search unit 22 for searching the supplier device 8 corresponding to the loan request and its supplier operation data. Specifically, the search unit 22 of the processing module 20 obtains the supplier device 8 corresponding to the supplier code according to the supplier code included in the loan request. Next, the supplier operation data of the supplier-side device 8 is obtained from the transaction database 11 .

For example, the loan request sent by supplier A contains supplier code 00001. Therefore, the search unit 22 can find the corresponding A supplier in the memory module 10 according to the supplier code 00001. Next, the search unit 22 finds the operation data of the A supplier in the transaction database 11 .

Step S22 : The e-commerce platform server 1 executes a repayment ability evaluation mode based on the supplier operation data to obtain an evaluation report R, and transmits it to the supplier device 8 .

After the processing module 20 obtains the supplier operation data corresponding to the supplier end device 8 from the transaction database 11 (step S20 ), the evaluation unit 23 may first execute a repayment ability evaluation mode based on the supplier operation data to obtain an evaluation report R. Specifically, the repayment ability evaluation mode may be provided by the lending institution server 9 in advance. In other words, the repayment ability evaluation mode (step S22 ) performed by the evaluation unit 23 is the same as the repayment ability evaluation mode (step S40 ) performed by the lending institution server 9 , so that the evaluation unit 23 can analyze suppliers with the same criteria The loan application result of the terminal device 8. That is, the evaluation unit 23 of the e-commerce platform server 1 of this embodiment and the method executed by the evaluation unit 23 can predict the loan review result.

The evaluation report R obtained by the evaluation unit 23 after executing the repayment ability evaluation mode based on the supplier's operation data includes the loan amount, the loan interest rate and the repayment schedule, as shown in FIG. 3 first. FIG. 3 is a schematic diagram of the evaluation report displayed on the supplier-end device in step S24 shown in FIG. 2 . Next, the processing module 20 transmits the evaluation report R to the supplier-side device 8 through the transmission module 30 .

Step S24: The supplier device 8 receives the evaluation report.

The supplier-side device 8 displays the evaluation report R from the e-commerce platform server 1a on its display screen 81, as shown in FIG. 3 . Suppliers can confirm whether to apply for a loan based on information such as the loan amount, loan interest rate, or repayment schedule in the evaluation report R. In addition, the basic information I related to the operation can also be presented on the same interface as the evaluation report R for the supplier's reference and evaluation.

Step S26: The supplier device 8 transmits a loan confirmation request.

If the icon of "Apply for a loan now" is clicked, the supplier-side device 8 can send and receive a loan confirmation request to the e-commerce platform server 1 .

Step S28: The e-commerce platform server 1 receives the confirmation loan request.

After the processing module 20 receives the confirmation loan request from the supplier-end device 8 through the transmission module 30, the processing module 20 transmits the supplier operation data to the lending institution server 9 (step S30).

Step S30 : the e-commerce platform server 1 transmits the supplier operation data to the lending institution server 9 .

Next, the processing module 20 transmits the supplier operation data to the lending institution server 9 through the transmission module 30 . For example, the operation data of manufacturer A is transmitted to the server 9 of the lending institution.

Step S40: The lending institution server 9 executes the repayment ability evaluation mode based on the supplier operation data to obtain a loan review result.

The lending institution server 9 executes the repayment ability evaluation mode based on the supplier operation data to obtain the loan review result. Among them, the supplier operation data includes account receivable information, accounts payable information, inventory value information and sales quantity information generated by the supplier's operation on the e-commerce platform, which can improve the probability of the supplier obtaining a loan.

Specifically, the common (known) repayment ability assessment model is mainly based on the analysis of the supplier's capital turnover ratio, cash ratio and its declared turnover. As mentioned in the previous technical paragraph, the difficulty encountered by the supplier is that the funding gap is as long as 165 days, which in turn creates a pressure on cash flow and makes it difficult to obtain a loan.

With the e-commerce platform server 1 of this embodiment and the method for assisting suppliers to obtain loans, the lending institution server 9 can use the supplier operation data provided by the e-commerce platform server 1 to execute repayment competency assessment model. In other words, the real-time inventory value, sales volume, accounts receivable and accounts payable of suppliers on the e-commerce platform are included as one of the analysis elements of the repayment ability evaluation model, thereby increasing the probability of suppliers obtaining loans.

Also as mentioned above, the repayment ability evaluation mode (step S40 ) executed by the lending institution server 9 is the same as the repayment ability evaluation mode (step S22 ) executed by the evaluation unit 23 . Therefore, in step S24, suppliers who do not agree with the loan amount, loan interest rate, or repayment schedule (that is, suppliers who give up applying for loans) can be excluded in advance, thereby accelerating lending institutions (including banks or private lending institutions). ) to review the overall efficiency of the loan.

Step S50 : the e-commerce platform server 1 receives the loan review result from the lending institution server 9 and transmits it to the supplier-end device 8 .

The processing module 20 receives the loan review result from the lending institution server 9 through the transmission module 30 and transmits the result to the supplier-end device 8 . Among them, the loan review results include "pass", "insufficient data", or "fail". The “passed” loan review result may include information such as the loan amount, loan interest rate, and repayment schedule. "Insufficient information" audit results include errors or insufficiency of document information, which may include, but are not limited to, missing parts, mistyped, mismatched fields and documents, incorrect document versions (such as not the latest for-profit enterprise registration certificate), incorrect information (such as company name or the name of the person in charge does not match, etc.). If the audit result is "insufficient data", you can upload the data again for the insufficient part to make corrections or corrections.

It should be noted that since the repayment ability evaluation mode (step S40 ) executed by the lending institution server 9 is the same as the repayment ability evaluation mode (step S22 ) executed by the evaluation unit 23 , the loan review results of most applications are “ pass".

Step S60: The supplier device 8 receives the loan review result.

The supplier-side device 8 receives the loan review result. In the case of a “passed” loan review result, in addition to the above-mentioned information such as the loan amount, loan interest rate, or repayment schedule, a confirmation pattern of “rejected” or “approved” can also be displayed. Suppliers can confirm whether they agree to apply for a loan after reconfirming the loan amount, loan interest rate, or repayment schedule and other information. If the confirmation pattern of "Agree" is clicked, the e-commerce platform server 1 can receive the confirmation message from the supplier-side device 8 and send it to the lending institution server 9 for subsequent lending operations.

FIG. 4 is a schematic diagram of the use environment of the e-commerce platform server according to the second embodiment of the present invention, and FIG. 5 is a flow chart of the steps of the method for assisting a supplier to obtain a loan according to the second embodiment of the present invention. Please refer to FIG. 4 and FIG. 5 shown. The difference between the e-commerce platform server 1a of this embodiment and the first embodiment is that the processing module 20a only has a calculation unit 21 and a search unit 22 . Therefore, the action and connection relationship among other elements of the e-commerce platform server 1a of this embodiment, and the connection relationship with the supplier-side device 8 and the lending institution server 9 are all the same as those of the first embodiment and this embodiment. The e-commerce platform server 1 is the same, so its component symbols are used.

In addition, the difference between the method for assisting a supplier to obtain a loan of the second embodiment and the first embodiment is that steps S22 to S28 are not included. In other words, the transmission module 30 receives the loan request from the supplier-side device 8 , and the processing module 20 obtains the supplier operation data of the supplier-side device 8 from the transaction database 11 (step S20 ). The supplier operation data is transmitted to the lending institution server 9 (step S30 ).

The lending institution server 9 can directly execute the repayment ability evaluation mode based on the supplier operation data to obtain the loan review result (step S40 ). Since the lending institution server 9 can directly use the supplier operation data provided by the e-commerce platform server 1a, the real-time inventory value, sales volume, accounts receivable and accounts payable of suppliers on the e-commerce platform are included in the repayment It is one of the analytical elements of the capability assessment model, which in turn increases the chances of a supplier getting a loan.

To sum up, according to the e-commerce platform server of the present invention and the method for assisting suppliers to obtain loans, the e-commerce platform server includes a memory module and a processing module. The memory module includes a transaction database and stores supplier operation data. After the processing module receives the loan request from the supplier device, it can obtain the supplier operation data corresponding to the supplier device from the transaction database. The processing module can first execute the repayment ability evaluation model based on the supplier's operation data to obtain an evaluation report. Therefore, suppliers who do not agree with the loan amount, borrowing rate, or repayment schedule can be excluded in advance (ie, suppliers who give up applying for loans). Similarly, the e-commerce platform server can also exclude suppliers who are not eligible for loan approval in advance, which in turn can speed up the overall efficiency of loan approval by the lending institution.

In addition, the supplier operation data is transmitted to the lending institution server, so that the lending institution server can use the supplier operation information provided by the e-commerce platform server to execute the repayment ability evaluation mode. Therefore, the real-time operational information of suppliers on the e-commerce platform (for example, inventory value, sales volume, accounts receivable and accounts payable, etc.) can be included as one of the analysis elements of the repayment ability evaluation model, which can increase suppliers’ acquisition of probability of loan.

It should be noted that the above-mentioned embodiments are given as examples for the convenience of description, and the scope of the claims claimed in the present invention should be based on the scope of the patent application, rather than being limited to the above-mentioned embodiments.

1. 1a: E-commerce platform server 10: Memory module 11: Transaction Database 20, 20a: Processing modules 21: Computing unit 22: Search Unit 23: Evaluation Unit 30: Transmission module 8: Supplier side device 81: Display screen 9: Lending Institution Server R: basic information I: Evaluation Report S10～S60: Steps

FIG. 1 is a schematic diagram of a usage environment of a loan system according to an embodiment of the present invention. FIG. 2 is a flow chart of steps of a method for assisting a supplier to obtain a loan according to the first embodiment of the present invention. FIG. 3 is a schematic diagram of the evaluation report displayed on the supplier-end device in step S24 shown in FIG. 2 . FIG. 4 is a schematic diagram of the use environment of the e-commerce platform server according to the second embodiment of the present invention. FIG. 5 is a flow chart of steps of a method for assisting a supplier to obtain a loan according to a second embodiment of the present invention.

1: E-commerce platform server

10: Memory module

11: Transaction Database

20: Processing modules

21: Computing unit

22: Search Unit

23: Evaluation Unit

30: Transmission module

8: Supplier side device

9: Lending Institution Server

Claims (12)

An e-commerce platform server for assisting suppliers to obtain loans is connected to at least one supplier-side device and a lending institution server through a network, and the e-commerce platform server includes: a memory module, including a transaction database, the transaction database stores at least one supplier's operation data; a transmission module that receives a loan request from the supplier device; and a processing module electrically connected with the memory module and the transmission module, the processing module obtains the supplier operation data corresponding to the supplier device from the transaction database according to the loan request, and uses the The supplier operation data executes a repayment ability evaluation mode to obtain an evaluation report, the processing module transmits the evaluation report to the supplier-side device through the transmission module, and receives a confirmation loan request from the supplier-side device , and then transmit the supplier operation data to the lending institution server, the transmission module obtains a loan review result from the lending institution server, and transmits it to the supplier end device. The e-commerce platform server as claimed in claim 1, wherein the lending institution server executes the repayment ability evaluation mode based on the supplier operation data to obtain the loan review result. The e-commerce platform server according to claim 1, wherein the evaluation report includes a loan amount, a loan interest rate and a repayment schedule. The e-commerce platform server according to claim 1, wherein the supplier operation data includes an account receivable information, an account payable information, an inventory value information and a sales quantity information. A method for assisting suppliers to obtain loans is applied to an e-commerce platform server, the e-commerce platform server is connected with at least one supplier-side device and a lending institution server through a network, the e-commerce platform server stores at least one A supplier's operation information, the method of assisting the supplier to obtain a loan includes the following steps: receiving a loan request from the supplier-side device; obtaining the supplier operation data corresponding to the supplier device from the transaction database according to the loan request; Execute a repayment ability assessment model based on the supplier's operation data to obtain an assessment report; sending the evaluation report to the supplier-side device, and receiving a confirmation loan request from the supplier-side device; transmit the supplier's operational data to the lending institution's server; and A loan review result is received from the lending institution server and sent to the supplier device. The method for assisting a supplier to obtain a loan as described in claim 5, wherein the lending institution server executes the repayment ability evaluation mode based on the supplier's operation data to obtain the loan review result. The method for assisting a supplier to obtain a loan as described in claim 5, wherein the evaluation report includes a loan amount, a loan interest rate and a repayment schedule. The method for assisting a supplier to obtain a loan as described in claim 5, wherein the supplier operation data includes an account receivable information, an account payable information, an inventory value information and a sales quantity information. An e-commerce platform server for assisting suppliers to obtain loans is connected to at least one supplier-side device and a lending institution server through a network, and the e-commerce platform server includes: a memory module, including a transaction database, the transaction database stores at least one supplier's operation data; a transmission module that receives a loan request from the supplier device; and a processing module electrically connected to the memory module and the transmission module, the processing module obtains the supplier operation data corresponding to the supplier device from the transaction database according to the loan request, the processing module The group transmits the supplier operation data to the lending institution server through the transmission module, and the transmission module receives a loan review result from the lending institution server and transmits it to the supplier-side device, The lending institution server executes a repayment ability evaluation mode based on the supplier's operation data to obtain the loan review result. The e-commerce platform server according to claim 9, wherein the supplier operation data includes an account receivable information, an account payable information, an inventory value information and a sales quantity information. A method for assisting suppliers to obtain loans is applied to an e-commerce platform server, the e-commerce platform server is connected with at least one supplier-side device and a lending institution server through a network, the e-commerce platform server stores at least one A supplier's operation information, the method of assisting the supplier to obtain a loan includes the following steps: receiving a loan request from the supplier-side device; obtaining the supplier operation data corresponding to the supplier device from the transaction database according to the loan request; transmit the supplier's operational data to the lending institution's server; and Receive a loan review result from the lending institution server and transmit it to the supplier-side device, The lending institution server executes a repayment ability evaluation mode based on the supplier's operation data to obtain the loan review result. The method for assisting a supplier to obtain a loan as described in claim 11, wherein the supplier operation data includes an account receivable information, an account payable information, an inventory value information and a sales quantity information.

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