TWI780578B - 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 in obtaining loans

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

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

Generally speaking, after the supplier provides the product to the relevant department of the online shopping e-commerce platform, it still needs to be inspected, packaged, and put on the shelves by the personnel of the relevant department. It usually takes about 4.5 months (about 135 days) from the time the supplier prepares the goods to the consumer orders and completes the 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 can be as long as 165 days. In addition, during the peak sales season, suppliers usually increase the amount of stock on the online shopping e-commerce platform. Therefore, before the inventory is sold or settled, it is easier to have insufficient cash flow.

However, most of the suppliers are small and medium enterprises, and it is difficult to obtain financing from financial institutions (such as banks). Therefore, in order to avoid expanding the funding gap, most suppliers are relatively conservative in the quantity of stock, and the variety of goods is also small (only selling hot-selling products). For the operators of online shopping e-commerce platforms, the small quantity of stock will easily lead to out-of-stock and out-of-stock situations, and the 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 suppliers, it is necessary to improve.

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 in obtaining loans, so as to solve the problem that conventional online shopping e-commerce platforms cannot assist suppliers in financing, resulting in commodity shortages, There are few types, which affect the willingness to consume.

To achieve the above purpose, the present invention provides an e-commerce platform server that assists suppliers in obtaining loans, which is connected to at least one supplier 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's operation data corresponding to the supplier's device from the transaction database according to the loan request, and executes a repayment ability evaluation mode based on the supplier's operation data to obtain an evaluation report. The processing module transmits the evaluation report to the supplier's device through the transmission module, and after receiving a confirmation of the loan request from the supplier's device, it sends the supplier's operating data to the server of the lending institution. The transmission module obtains a loan verification result from the lending institution server and sends it to the supplier's device.

To achieve the above purpose, the present invention further provides a method for assisting suppliers in obtaining loans, which is applied to an e-commerce platform server. The e-commerce platform server is connected to at least one supplier device and a lending institution server through the network. The e-commerce platform server stores at least one supplier's operation data. The method for assisting a supplier to obtain a loan includes the following steps: receiving a loan request from the supplier's device; obtaining the supplier's operation data corresponding to the supplier's device from the transaction database according to the loan request; performing a repayment using the supplier's operation data Obtain an assessment report in the capacity assessment mode; transmit the assessment report to the supplier-side device, and receive a confirmation loan request from the supplier-side device; transmit the supplier's operation data to the lending institution server; and receive a loan from the lending institution server Review the results and send them 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's operating data to obtain the loan review result.

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

According to an embodiment of the present invention, the supplier's operating data includes information on accounts receivable, information on accounts payable, information on inventory value, and information on sales volume.

In order to achieve the above purpose, the present invention provides another e-commerce platform server that assists suppliers in obtaining loans, which is connected to at least one supplier 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's operation data corresponding to the supplier's device from the transaction database according to the loan request. The processing module transmits the supplier's operation data to the server of the lending institution through the transmission module. The transmission module receives a loan verification result from the lending institution server and sends it to the supplier's device. The server of the lending institution executes a repayment ability evaluation mode based on the supplier's operating data to obtain the loan review result.

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

According to an embodiment of the present invention, the supplier's operating data includes information on accounts receivable, information on accounts payable, information on inventory value, and information on sales volume.

Based on the above, according to the e-commerce platform server and the method for assisting suppliers in obtaining loans according to the present invention, 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 receiving the loan request from the supplier device, the processing module 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 operating data to obtain the evaluation report. Therefore, suppliers who do not agree with the loan amount, loan interest rate, or repayment schedule can be excluded in advance (that is, suppliers who give up applying for loans). Similarly, the server of the e-commerce platform can also exclude suppliers who are not qualified for loan approval in advance, thereby speeding up the overall efficiency of loan review on the lending institution side.

In addition, the supplier's operating data is sent to the lending institution's server, so that the lending institution's server can use the supplier's operating information provided by the e-commerce platform server to implement a repayment ability evaluation mode. Therefore, real-time operational information of suppliers on e-commerce platforms (such as inventory value, sales volume, accounts receivable and accounts payable, etc.) chances of getting a loan.

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

Figure 1 is a schematic diagram of the use environment of the e-commerce platform server in the first embodiment of the present invention, and Figure 2 is a flow chart of the steps of the method for assisting suppliers in obtaining loans in the first embodiment of the present invention, please refer to Figure 1 and Figure 2. The e-commerce platform server 1 in this embodiment is a server operated by an electricity supplier platform (especially an online shopping platform), or called a server host. The e-commerce platform server 1 generates the function of assisting suppliers to obtain loans by executing the method for assisting suppliers in obtaining loans as shown in FIG. 2 , and the details thereof 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 device 8 and a lending institution server 9 through the 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). Among them, the "supplier device 8" in this embodiment refers to an electronic device operated by a product supplier (ie, a manufacturer or an individual business owner) that cooperates with an e-commerce platform operator, and is an electronic device with a communication function. The provider 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 that execute computer software. FIG. 1 is an example of a personal computer.

The lending institution server 9 of the present embodiment includes banks, post offices, or other network servers with financial institutions such as financing services, and may also include private companies that carry out lending, and other specific contents are further described later. When the supplier has capital turnover needs, the supplier's personnel can use the e-commerce platform server 1 of this embodiment to apply for a loan by operating the supplier-end 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 (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 in obtaining loans and multiple corresponding instructions as shown in Figure 2. Moreover, 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 into a transaction database 11 for storing supplier transaction data and operation-related data (hereinafter known as supplier operating data).

Moreover, the transaction database 11 of the memory module 10 of this embodiment also stores the basic data 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 the goods (or services) supplied ) 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 manufacturers of their own brands) provide products or services for sale on online shopping e-commerce platforms. After consumers complete the order on the e-commerce platform, most of the goods are shipped by the e-commerce platform, and a few are directly shipped by the supplier. In addition, the payments made by consumers are 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.

Moreover, the processing module 20 can be, for example but not limited to, one or more central processing units (central processing unit, CPU), microcontrollers (micro control unit, MCU), digital signal processors (digital signal processor, DSP), or Other electronic components or integrated circuits (ICs) capable of signal processing, logic operations, and electronic device control. Wherein, the processing module 20 includes a chip set formed by a plurality of units (such as a calculation unit 21 , a search unit 22 and an evaluation unit 23 ). The processing module 20 is electrically connected with the memory module 10, and is used to access data from the transaction database 11, and execute multiple instructions corresponding to the method of assisting suppliers to obtain loans, and then generate corresponding calculation operations, search ( Find) homework, and evaluate homework and other different actions. 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 operation-related data such as accounts receivable, accounts payable, inventory value and sales quantity of each supplier based on the aforementioned data (for example, supply volume and sales volume), And sent to the memory module 10 to be stored in the transaction database 11. Also, the aforementioned data can be integrated into supplier operating data. In other words, the transaction database 11 stores the 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.

Moreover, the e-commerce platform server 1 of this embodiment further includes a transmission module 30 . The processing module 20 is electrically connected to the transmission module 30 , and performs data transmission with the supplier 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 device 8, and the lending institution server 9 is different according to the hardware architecture that cooperates 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).

Please refer to FIG. 1 and FIG. 2 , and further illustrate the implementation of the e-commerce platform server 1 according to the steps of the method for assisting suppliers in obtaining loans.

Step S10: The provider device 8 sends a loan request.

In one embodiment, the supplier must first register an account on the e-commerce platform before putting 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 the code 00001. Subsequent messages or requests from this account will contain the supplier code corresponding to this supplier. In addition, information such as the account number of the supplier device 8 and its supplier code 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 manufacturer, or the individual of the enterprise group, can use the e-commerce platform server 1 of this embodiment to serve the lending institution by operating the supplier terminal device 8. The server 9 (such as a server of a bank or a private lending company) makes a loan application. Specifically, the data management interface provided by the processing module 20 of the e-commerce platform server 1 to the supplier may include a loan application icon (icon). When the supplier's personnel clicks on the loan application pattern, the supplier's device 8 sends the loan request to the server 1 of the e-commerce platform.

In one embodiment, the supplier must first log in to the registered account before operating the supplier's data management interface. Therefore, the loan request transmitted by the supplier-side device 8 (for example, supplier A) contains the supplier code (00001). In another embodiment, the supplier (Supplier A) also enters the supplier code (00001) in the data management interface by itself, which is not limited by 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 finding the supplier device 8 corresponding to the loan request and its supplier operation data. Specifically, the search unit 22 of the processing module 20 acquires the supplier-end device 8 corresponding to the supplier code according to the supplier code included in the loan request. Next, obtain the supplier operation data of the supplier device 8 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 supplier A in the memory module 10 according to the supplier code 00001. Next, the search unit 22 finds the operation data of the supplier A in the transaction database 11 .

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

After the processing module 20 obtains the supplier's operating data corresponding to the supplier's device 8 from the transaction database 11 (step S20), the evaluation unit 23 can first execute a repayment ability evaluation mode based on the supplier's operating data to obtain an evaluation report R. Specifically, the repayment ability assessment mode may be provided by the lending institution server 9 in advance. In other words, the repayment ability evaluation mode (step S22) executed by the evaluation unit 23 is the same as the repayment ability evaluation mode (step S40) executed by the lending institution server 9, so that the evaluation unit 23 can analyze suppliers with the same standard The loan application result of the terminal device 8. That is to say, the evaluation unit 23 of the e-commerce platform server 1 in this embodiment and the method executed by it 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 operating data includes the approved loan amount, loan interest rate and repayment schedule, as shown in FIG. 3 . FIG. 3 is a schematic diagram of the evaluation report displayed on the supplier device in step S24 shown in FIG. 2 . Then, the processing module 20 transmits the evaluation report R to the supplier device 8 through the transmission module 30 .

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

The supplier device 8 displays the evaluation report R from the e-commerce platform server 1 a 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 approved loan amount, loan interest rate, or repayment schedule in the evaluation report R. In addition, the basic operation-related information I can also be presented on the same interface as the evaluation report R for reference and evaluation by suppliers.

Step S26: The provider device 8 sends a confirmation loan request.

If the pattern of "Apply for Loan Immediately" is clicked, the supplier device 8 can send and receive the loan request to the e-commerce platform server 1 for confirmation.

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

After the processing module 20 receives and confirms the loan request from the supplier device 8 through the transmission module 30 , it transmits the supplier's operation data to the lending institution server 9 (step S30 ).

Step S30: The e-commerce platform server 1 sends the supplier's operation data to the lending institution server 9 .

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

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

The lending institution server 9 executes the repayment ability evaluation mode based on the supplier's operating data to obtain the loan review result. Among them, the supplier's operating data includes the information of accounts receivable, accounts payable, inventory value and sales quantity generated by the supplier's operation on the e-commerce platform, which can increase 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 that the supplier encountered was that the funding gap was as long as 165 days, which caused pressure on cash flow and made it difficult to obtain loans.

Through the e-commerce platform server 1 of this embodiment and the method of assisting suppliers in obtaining loans, the lending institution server 9 can use the supplier operation data provided by the e-commerce platform server 1 to perform repayment competency assessment model. In other words, including the supplier's real-time inventory value, sales volume, accounts receivable and accounts payable on the e-commerce platform as one of the analysis elements of the repayment ability evaluation model can increase 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 speeding up the process of 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 verification result from the lending institution server 9 and sends it to the supplier device 8 .

The processing module 20 receives the loan review result from the lending institution server 9 through the transmission module 30 and sends it to the supplier device 8 . Among them, the loan review results include "Pass", "Insufficient information", or "Fail". The loan review results of "Passed" can include information such as the approved loan amount, loan interest rate, and repayment schedule. "Insufficient information" audit results include incorrect or insufficient information in documents, which can be, for example, but not limited to missing documents, incorrect planting, fields that do not match documents, wrong document versions (such as not the latest profit-seeking enterprise registration certificate), wrong information (such as company name or 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-side device 8 receives the loan review result.

The supplier-side device 8 receives the loan review result. If it is a "passed" loan review result, in addition to displaying the aforementioned information such as the loan amount, loan interest rate, or repayment schedule, it can also display a "reject" or "agree" confirmation pattern. Suppliers can reconfirm the loan amount, loan interest rate, or repayment schedule and other information before confirming whether they agree to apply for a loan. If the confirmation pattern of "Agree" is clicked, the e-commerce platform server 1 can receive a confirmation message from the supplier 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 in the second embodiment of the present invention, and Fig. 5 is a flow chart of the steps of the method for assisting suppliers in obtaining loans in the second embodiment of the present invention, please refer to Fig. 4 and Fig. 5. 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 between other components of the e-commerce platform server 1a in this embodiment, and the connection relationship with the supplier device 8 and the lending institution server 9 are the same as those of the first embodiment of this embodiment. The server 1 of the e-commerce platform is the same, so its component symbol is used.

Also, the difference between the method for assisting suppliers in obtaining loans in 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 device 8, and the processing module 20 obtains the supplier operation data of the supplier device 8 from the transaction database 11 (step S20), and then the transmission module 30 can Send the supplier's operating data 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's operating data to obtain the loan review result (step S40 ). Since the server 9 of the lending institution can directly use the supplier’s operating data provided by the e-commerce platform server 1a, the real-time inventory value, sales quantity, accounts receivable and accounts payable of the supplier on the e-commerce platform are all included in the repayment One of the analysis elements of the capacity assessment model, which can increase the probability of suppliers obtaining loans.

In summary, according to the e-commerce platform server and the method for assisting suppliers in obtaining loans according to the present invention, 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 receiving the loan request from the supplier device, the processing module 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 operating data to obtain the evaluation report. Therefore, suppliers who do not agree with the loan amount, loan interest rate, or repayment schedule can be excluded in advance (that is, suppliers who give up applying for loans). Similarly, the server of the e-commerce platform can also exclude suppliers who are not qualified for loan approval in advance, thereby speeding up the overall efficiency of lending institutions in reviewing loans.

In addition, the supplier's operating data is sent to the lending institution's server, so that the lending institution's server can use the supplier's operating information provided by the e-commerce platform server to implement a repayment ability evaluation mode. Therefore, real-time operational information of suppliers on e-commerce platforms (such as inventory value, sales volume, accounts receivable and accounts payable, etc.) chances of getting a loan.

It should be noted that the above-mentioned embodiments are examples for the convenience of description, and the scope of rights claimed by the present invention should be determined by the scope of the patent application, rather than limited to the above-mentioned embodiments.

E -commerce platform server 1, 1A memory module 10 trading database 11 processing module 20, 20A calculation unit 21 search unit 22 evaluation unit 23 transmission module device 8 display screen 81 lending mechanism server 9 basic information I Evaluation Report R Steps S10～S60

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

E-commerce platform server 1 memory module 10 Transaction Database 11 Processing Module 20 Calculation unit 21 Search unit 22 Evaluation unit 23 Transmission module 30 Supplier-side device 8 Lending institution server 9

Claims (8)

An e-commerce platform server that assists suppliers in obtaining loans is connected to at least one supplier-end device and at least one lending institution server through a network, the e-commerce platform server is a server for an e-commerce platform to operate, the The e-commerce platform server includes: a memory module, including a transaction database, the transaction database stores at least one supplier's operation data, which is for at least one supplier to operate the supplier-end device on the e-commerce platform server transaction data; a transmission module, which receives a loan request from the supplier device; and a processing module, which is electrically connected to the memory module and the transmission module, and the processing module receives the loan request from the The transaction database obtains the supplier's operating data corresponding to the supplier's device, and uses the supplier's operating data to execute a repayment ability evaluation model corresponding to each of the lending institution's servers to obtain an evaluation report. The processing model The group transmits the evaluation report to the supplier-side device through the transmission module, and after receiving a confirmed loan request from the supplier-side device, then transmits the supplier's operation data to the lending institution server, and the transmission module starts from The lending institution server obtains a loan review result and sends it to the supplier device. The e-commerce platform server as described in Claim 1, wherein the lending institution server executes the repayment ability evaluation mode based on the supplier's operating data to obtain the loan review result. The server of the e-commerce platform as described in Claim 1, wherein the evaluation report includes a loan amount, a loan interest rate, and a repayment schedule. The e-commerce platform server as described in claim 1, wherein the supplier operation data includes information on accounts receivable, information on accounts payable, information on inventory value, and information on sales volume. A method for assisting suppliers in obtaining loans, applied to an e-commerce platform server, the e-commerce platform server is connected to at least one supplier-end device and at least one lending institution server through the network, the e-commerce platform server is A server for the operation of an e-commerce platform, the e-commerce platform server stores at least one supplier’s operation data, which is the data of at least one supplier’s operation of the supplier’s device to conduct transactions on the e-commerce platform server, the assistance The method for a supplier to obtain a loan includes the following steps: receiving a loan request from the supplier device; obtaining the supplier's operating data corresponding to the supplier device from the transaction database according to the loan request; data execution corresponding to a repayment ability evaluation mode of each lending institution server to obtain an evaluation report; sending the evaluation report to the supplier device, and receiving a confirmation loan request from the supplier device; sending the supplier and receiving a loan review result from the lending institution server and sending it 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 operating data to obtain the loan review result. The method for assisting suppliers in obtaining loans as described in Claim 5, wherein the assessment 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's operating data includes information on accounts receivable, information on accounts payable, information on inventory value, and information on sales volume.

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