CN109410037A - A kind of Supply chain financing system based on factoring - Google Patents
A kind of Supply chain financing system based on factoring Download PDFInfo
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Abstract
The present invention provides a kind of Supply chain financing system based on factoring, including core enterprise's module, financing enterprise module, financial institution's module and financing services module；Wherein, core enterprise's module includes core enterprise's business datum system, and the financing enterprise module includes the information management system of various financing enterprises, and financial institution's module is used to provide with funds.Wherein, the service object of the financing services module is the financing enterprise module, the air control data of the financing enterprise module come from core enterprise's module, risk class inquiry is carried out by the financing services module, the financing services module docks different financial institution's modules and provides with funds.The problem of Supply chain financing system based on factoring of the invention is able to solve existing industrial chain upstream and downstream firms financing difficulties and Supply chain financing inefficiency.
Description
Technical Field
The invention relates to the field of supply chain financial financing service, in particular to a supply chain financing system based on warranty.
Background
Supply Chain finance SCF (supply Chain finance) is a professional field (bank level) of commercial bank credit business, and is also a financing channel (enterprise level) of enterprises, especially small and medium-sized enterprises.
The insurance policy (Factoring) is called as insurance payment agent, also called as collection insurance payment, and sellers transfer accounts receivable generated by current or future goods sale/service contract with buyers to an insurance policy maker (financial institution providing insurance service), and the insurance policy maker provides a comprehensive financial service mode of a series of services such as fund fusion, buyer credit assessment, sale account management, credit risk guarantee, account payment collection and the like.
The main problems encountered in the existing enterprise financing are difficult financing, insufficient qualification and slow financing.
The existing supply chain finance is difficult to evaluate the credit line and repayment capacity of an enterprise due to the lack of an effective credit investigation system and a perfect risk prevention measure.
The core enterprises occupy the absolute control right of capital channel products on the supply chain, but upstream and downstream enterprises have the problems of incapability of timely reimbursing, lack of effective capital support and the like, so that the product chain can not integrate the capital collaborative development of financial institutions.
Therefore, there is a need in the art for a financing system that solves the above-mentioned problems.
Disclosure of Invention
The invention aims to provide a supply chain financing system based on a guarantee, which solves the technical problems that the financing of enterprises on the upstream and downstream of the existing industrial chain is difficult and the supply chain financing efficiency is low by centralizing core enterprises, financing enterprises and financial institutions.
The invention provides a supply chain financing system based on a guarantee organization, which comprises a core enterprise module, a financing enterprise module, a financial institution module and a financing service module; wherein,
the core enterprise module comprises a core enterprise business data system;
the financing enterprise module comprises information management systems of various financing enterprises;
the financial institution module is used to provide funds;
the service object of the financing service module is the financing enterprise module, the wind control data of the financing enterprise module is from the core enterprise module, risk level inquiry is carried out through the financing service module, and the financing service module provides funds for different financial institution modules.
Preferably, the financing service module comprises a financing product service module, a system credit service module, a warranty deposit service module and a customer repayment service module; wherein,
the financing product service module is used for providing the establishment, release and off-shelf service of financing products, and carrying out dynamic financing product matching according to different financing enterprise information classifications;
the system credit granting business module is used for providing credit granting process approval services for different financing enterprises and performing credit granting business approval services by using different work processes according to different products;
the insurance management loan transaction module is used for examining and approving loan application transactions of the financing enterprise, butting the financial institution module, butting a fund source according to receivable account transfer receipts provided by the loan application of the financing enterprise, and further performing loan operation on the financing enterprise;
the client repayment business module is used for providing repayment service of financing enterprises, clearing and settlement service related to the financing enterprises and financial institutions.
Preferably, the core enterprise module comprises a server of a core enterprise business data system interface;
the financing enterprise module comprises a preposed server collected by a financing enterprise information system;
the financial institution module comprises financial institution routing system servers of different fund providing institutions; and
the financing service module comprises a core service processing system of the financing service.
Preferably, the core enterprise module further comprises a core enterprise business data system interface service layer;
the core enterprise business data system interface service layer is used for providing core enterprise business data analysis, classifying and integrating supply chain enterprise data related to the core enterprise and providing a financing enterprise credit information interface and risk information interface data of the financing enterprise, the service layer provides a business data system interface for credit and risk monitoring business of the financing service module and converts service application information from a financing service foreground into credit and risk demand information of the service layer.
Preferably, the financing enterprise module further comprises a front service layer collected by the financing enterprise information management system;
the front service layer collected by the financing enterprise information management system is used for providing a uniform financing enterprise information input interface, classifying upstream and downstream financing enterprises of the core enterprise according to different scales and functions of the core enterprise, managing the financing enterprise information, and the front service layer delivery component uses a uniform and standard protocol and message to transmit information.
Preferably, the financial institution module further comprises a financial institution routing system service layer providing different financial institutions;
the financial institution routing system service layer is used for providing unified preposed services of each financial institution, the background is in butt joint with different financial institution interfaces, manages all the financial institutions and provides a caller to call the unified services of different financial structure interfaces.
Preferably, the financing service module further comprises a core service processing system of the financing service;
the core business processing system is used for processing financing business requests of financing enterprises, and for different business requests of a plurality of financing enterprise terminals, after the core business systems are integrated, each server processes the business requests according to different rights and distributes the business requests to each core business processing system.
Preferably, the financing product service module comprises financing product creation, financing product on-shelf application, financing product on-shelf audit, successful financing product on-shelf, financing product off-shelf application and financing product off-shelf audit; wherein,
the financing product creation is used for performing different product division according to different financing enterprise classifications, and the financing product on-shelf application, the financing product on-shelf auditing, the successful financing product on-shelf application, the financing product off-shelf application and the financing product off-shelf auditing are used for controlling the product on-shelf and off-shelf operation and management.
Preferably, the system credit service module comprises a financing enterprise credit application, a credit line given by verification, a resolution preservation, a warranty agreement guarantee agreement signing and a financing enterprise credit preservation; wherein,
the financing enterprise credit application is used for triggering a system credit work approval flow, and the credit line of the financing enterprise is approved and approved finally through the steps of checking, scheduling and wind control, preservation resolution, signing a guarantee agreement and preserving the financing enterprise credit.
Preferably, the management and payment transaction module comprises transfer certificate acceptance, payment application initiation, payment auditing, management transfer acceptance and payment release of a financial institution; wherein,
and the uploaded transfer certificate is used for triggering a warranty loan work approval flow, business personnel give a loan confirmation through the steps of applying for loan issuance, examining and verifying loan and transferring due to the acceptance of the insurance policy, and finally the financial institution module pays the loan.
Preferably, the client payment service module uploads a payment voucher, initiates a payment application, confirms payment and settles accounts; wherein,
and the uploading repayment voucher is used for initiating repayment by the financing enterprise, a repayment process is triggered, and financial staff check and confirm the repayment through the line and settle accounts finally.
The supply chain financing system based on the guarantee authority of the invention relates to the problem of financing of companies based on upstream and downstream of a core enterprise, and by the cooperative work among a core enterprise module, a financing enterprise module, a financial institution module and a financing service module, financing service is developed according to the service data of the financing enterprise in a core enterprise service data system, so that the problem of difficult financing of upstream and downstream enterprises of a supply chain is solved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a schematic structural diagram of a supply chain financing system based on warranty according to an embodiment of the present invention;
FIG. 2 is a schematic view of the workflow of the financing product business module according to a second embodiment of the present invention;
fig. 3 is a schematic diagram of a workflow of a system trust service module according to a third embodiment of the present invention;
fig. 4 is a schematic view of a work flow of a deposit and payment business module according to a fourth embodiment of the present invention;
fig. 5 is a schematic view of a workflow of a client payment service module according to a fifth embodiment of the present invention.
Summary of reference numerals:
100. core enterprise module 200 and financing enterprise module
300. Financial institution module 400, financing service module
410. Financing product business module 420 and system credit business module
430. Deposit service module 440 and client payment service module
411. Financing product creation 412, financing product listing application
413. Financing product on-shelf auditing 414, financing product success on-shelf
415. Financing product off-shelf application 416, financing product off-shelf audit
421. Financing enterprise credit application 422, checking and giving credit line
423. Save resolution 424, sign warranty agreement
425. Saving financing enterprise credit 431 and uploading transfer receipt
432. Initiate deposit application 433, deposit audit
434. Accrual insurance transfer 310, financial institution deposit
441. Upload payment voucher 442, initiate payment application
443. Payment confirmation 444, settlement
Detailed Description
Hereinafter, an embodiment of the warranty-based supply chain financing system of the present invention will be described with reference to the accompanying drawings.
The examples described herein are specific embodiments of the present invention, are intended to be illustrative and exemplary in nature, and are not to be construed as limiting the scope of the invention. In addition to the embodiments described herein, those skilled in the art will be able to employ other technical solutions which are obvious based on the disclosure of the claims and the specification of the present application, and these technical solutions include any obvious replacement or modification of the embodiments described herein.
The drawings in the present specification are schematic views to assist in explaining the concept of the present invention, and schematically show the structures of respective parts and their interrelationships.
The following description will be made in conjunction with examples.
Example one
Fig. 1 is a schematic structural diagram of a supply chain financing system based on a guarantee, according to an embodiment of the present invention, as shown in fig. 1, the supply chain financing system based on a guarantee includes a core enterprise module 100, a financing enterprise module 200, a financial institution module 300, and a financing service module 400. The core enterprise module 100 includes a core enterprise business data system, the financing enterprise module 200 includes information management systems of various financing enterprises, and the financial institution module 300 is used for providing funds. The financing service module 400 is used for providing financing enterprise module 200 as a service object, the wind control data of the financing enterprise module 200 is from the core enterprise module 100, risk level inquiry is carried out through the financing service module 400, and the financing service module 400 provides funds for different financial institution modules 300.
In a further embodiment of the present invention, the financing service module 400 includes a financing product business module 410, a system credit business module 420, a warranty deposit business module 430 and a customer payment business module 440. The financing product service module 410 is used for providing the establishment, release and off-shelf service of financing products, and performing dynamic financing product matching according to different financing enterprise information classifications; the system credit granting business module 420 is used for providing credit granting process approval services for different financing enterprises, and performing credit granting business approval services by using different work processes according to different products; the warranty loan transaction module 430 is used for approving the loan application transaction of the financing enterprise, and is connected with the financial institution module 300, and is used for connecting with a fund source according to receivable account transfer credentials provided by the loan application of the financing enterprise, so as to perform loan operation on the financing enterprise; the customer payment service module 440 is used to provide payment services for financing enterprises, clearing and settlement services for financing enterprises and financial institutions.
In further embodiments of the present invention, the core enterprise module 100 includes a server of a core enterprise business data system interface, the financing enterprise module 200 includes a front-end server of a financing enterprise information system collection, the financial institution module 300 includes a financial institution routing system server of different financing institutions, and the financing service module 400 includes a core business processing system of a financing business.
It should be noted that the supply chain financing system based on the insurance policy of the invention comprises a plurality of financing subsystems, and business data association exists between different financing subsystems. Specifically, the service object of the financing service module 400 is the financing enterprise module 200, the wind control data of the financing enterprise module 200 comes from the core enterprise module 100, and risk level query is performed through the financing service module 400, so that the financing service module 400 can be connected to different financial institution modules 300, and further provide funds for financial institutions.
As can be seen from FIG. 1, the supply chain financing system based on the guarantee of the invention relates to the financing problem of companies based on upstream and downstream of the core enterprise, the financing service is developed according to the service data of the financing enterprise in the core enterprise service data system, and the problem of difficult financing of enterprises on upstream and downstream of the supply chain is solved by combining the financing enterprise information system and the financial institution unified routing interface.
In a further embodiment of the present invention, the core enterprise module 100 further comprises a core enterprise business data system interface service layer, the core enterprise business data system interface service layer is used for providing core enterprise business data analysis, classifying and integrating supply chain enterprise data associated with the core enterprise, and providing a financing enterprise credit information interface and risk information interface data of the financing enterprise, the service layer provides a business data system interface for credit and risk monitoring business of the financing service module 400, and converts service application information from a financing service foreground into credit and risk demand information of the service layer.
In a further embodiment of the present invention, the financing enterprise module 200 further comprises a front service layer collected by the financing enterprise information management system, the front service layer collected by the financing enterprise information management system is used for providing a unified financing enterprise information entry interface, classifying the upstream and downstream financing enterprises of the core enterprise according to the scale and different functions from the core enterprise, managing the financing enterprise information, and the front service layer delivery component uses a unified and standard protocol and message to transmit information.
In a further embodiment of the present invention, the financial institution module 300 further includes a financial institution routing system service layer for providing different financial institutions, wherein the financial institution routing system service layer is configured to provide a unified front-end service for each financial institution, and the back end interfaces with different financial institution interfaces, manages all financial institutions and provides a uniform service call to the different financial institution interfaces for a caller.
In a further embodiment of the present invention, the financing service module 400 further includes a core service processing system of the financing service, the core service processing system of the financing service is used for processing the financing service request of the financing enterprise, and for different service requests of a plurality of financing enterprise terminals, after the core service system is integrated, each server processes the service request according to different rights, and distributes the service request to each core service processing system.
Example two
Fig. 2 is a schematic diagram of a workflow of a financing product business module according to a second embodiment of the present invention, and in this embodiment, a financing service module 400 is further described on the basis of the first embodiment, as shown in fig. 2, a financing product business module 410 includes a financing product creation 411, a financing product on-shelf application 412, a financing product on-shelf audit 413, a financing product success on-shelf 414, a financing product off-shelf application 415, and a financing product off-shelf audit 416.
The financing product creation 411 is used for performing different product divisions according to different financing enterprise classifications, and the financing product shelving application 412, the financing product shelving review 413, the financing product successful shelving application 414, the financing product shelving application 415 and the financing product shelving review 416 are used for controlling the shelving and shelving of the product, and are one kind of operation management on the product.
Specifically, each product corresponds to an Activity (workflow), and each node of the workflow has a corresponding role person for approval and confirmation. The product application workflow is generally triggered by a financing enterprise, and the product application is finished after the approval workflow is finished.
The financing product service module 410 is separated from the description in this embodiment, so as to facilitate management and statistics of financing products for operation.
EXAMPLE III
Fig. 3 is a schematic diagram of a workflow of a system trust service module according to a third embodiment of the present invention, and in this embodiment, a financing service module 400 is further described on the basis of the first embodiment, as shown in fig. 3, a system trust service module 420 includes a financing enterprise trust application 421, a checking and credit line 422, a saving resolution 423, a signing and maintaining agreement guarantee agreement 424, and a saving financing enterprise trust 425.
The financing enterprise credit application 421 is used to trigger the approval flow of the system credit work, and after the approval, the adjustment and the wind control, the approval is finally given to the credit line granted by the financing enterprise through the steps of saving resolution 423, signing a warranty agreement guarantee agreement 424 and saving the financing enterprise credit 425. The complete credit granting of the financing enterprise is effected through two important steps, namely a save resolution 423 and a sign of a warranty agreement guarantee 424.
Specifically, the system credit authorization service module 420 calls the front service interface of the core enterprise module 100 to determine the credit line and the wind control, and the saving resolution 423 and the saving financing enterprise authorization 425 are respectively stored in the mysql database. The file of the signed warranty agreement guarantee agreement 424 is signed by an electronic signature, and the signed file is stored on a hybrid cloud (hybrid cloud) server. The system credit service module 420 integrally adopts a SpringMVC framework, and is divided into a foreground user server and a background management server, and displays a front-end page using Vue framework.
In this embodiment, the service of the system credit granting module 420 is implemented online, so that the financing enterprise module 200 can apply loan application on the financing service module 400, and the loan application is moved from offline to online system.
Example four
Fig. 4 is a schematic diagram of a work flow of a warranty loan transaction module according to a fourth embodiment of the present invention, and in this embodiment, a financing service module 400 is further described on the basis of the first embodiment, as shown in fig. 4, the warranty loan transaction module 430 includes an transfer receivable certificate 431, an application for initiating loan 432, a loan audit 433, a warranty transfer 434, and a financial institution loan 310.
The upper transfer receivable certificate 431 is used for triggering a warranty loan approval work flow, and business personnel approve and give a loan confirmation through the steps of issuing a loan application 432, approving loan audit 433 and transfer 434 of the receivable insurance certificate, and finally the financial institution module 300 pays the loan.
Specifically, the deposit and withdrawal business module 430 calls the financial institution module 300 front service interface to determine the money usage, and stores the receivable transfer vouchers in the receivable transfer vouchers 431 on the FDFS file server.
In this embodiment, the business service of the deposit and payment business module 430 is linked to the information system of the financing enterprise module 200 and the front service interface of the financial institution module 300, so that the financing enterprise can obtain the deposit through the receivable deposit and payment transfer.
EXAMPLE five
Fig. 5 is a schematic view of a work flow of a customer payment service module according to a fifth embodiment of the present invention, and in this embodiment, the financing service module 400 is further described on the basis of the first embodiment, as shown in fig. 5, the customer payment service module 440 includes an upload payment voucher 441, an initiate payment application 442, a payment confirmation 443, and a settlement 444.
The payment voucher 441 is uploaded to initiate payment by the financing enterprise, a payment process is triggered, and the financial staff checks the payment under the line and confirms 443 to settle 444.
Specifically, the payment voucher of the uploaded payment voucher needs to be stored on the file service FDFS, and the finance is settled 444 according to the online pipeline.
In this embodiment, the business service of the customer payment business module 440 is linked with the business service of the previous warranty deposit business module 430 and the business service of the system credit granting business module 420. The financing enterprise module 200 may influence the loan balance and the repayment status of the loan.
Embodiments of the warranty-based supply chain financing system of the present invention have been described above. The specific operation and operation of the warranty-based supply chain financing system of the present invention can be specifically designed according to the function of the above-disclosed features, and the design can be realized by those skilled in the art. Moreover, the technical features disclosed above are not limited to the combinations with other features disclosed, and other combinations between the technical features can be performed by those skilled in the art according to the purpose of the present invention, so as to achieve the purpose of the present invention.
Claims (10)
1. A supply chain financing system based on guarantee is characterized by comprising a core enterprise module, a financing enterprise module, a financial institution module and a financing service module; wherein,
the core enterprise module comprises a core enterprise business data system;
the financing enterprise module comprises information management systems of various financing enterprises;
the financial institution module is used to provide funds;
the service object of the financing service module is the financing enterprise module, the wind control data of the financing enterprise module is from the core enterprise module, risk level inquiry is carried out through the financing service module, and the financing service module provides funds for different financial institution modules.
2. The supply chain financing system based on guarantee authority of claim 1, characterized in that the financing service module comprises a financing product service module, a system credit service module, a guarantee payment service module and a customer repayment service module; wherein,
the financing product service module is used for providing the establishment, release and off-shelf service of financing products, and carrying out dynamic financing product matching according to different financing enterprise information classifications;
the system credit granting business module is used for providing credit granting process approval services for different financing enterprises and performing credit granting business approval services by using different work processes according to different products;
the insurance management loan transaction module is used for examining and approving loan application transactions of the financing enterprise, butting the financial institution module, butting a fund source according to receivable account transfer receipts provided by the loan application of the financing enterprise, and further performing loan operation on the financing enterprise;
the client repayment business module is used for providing repayment service of financing enterprises, clearing and settlement service related to the financing enterprises and financial institutions.
3. The warranty-based supply chain financing system according to claim 1, wherein the core enterprise module further comprises a core enterprise business data system interface service layer;
the core enterprise business data system interface service layer is used for providing core enterprise business data analysis, classifying and integrating supply chain enterprise data related to the core enterprise and providing a financing enterprise credit information interface and risk information interface data of the financing enterprise, the service layer provides a business data system interface for credit and risk monitoring business of the financing service module and converts service application information from a financing service foreground into credit and risk demand information of the service layer.
4. The warranty-based supply chain financing system of claim 1, wherein the financing enterprise module further comprises a pre-service layer of financing enterprise information management system collection;
the front service layer collected by the financing enterprise information management system is used for providing a uniform financing enterprise information input interface, classifying upstream and downstream financing enterprises of the core enterprise according to different scales and functions of the core enterprise, managing the financing enterprise information, and the front service layer delivery component uses a uniform and standard protocol and message to transmit information.
5. The warranty-based supply chain financing system according to claim 1, wherein the financial institution modules further comprise a financial institution routing system service layer providing different financial institutions;
the financial institution routing system service layer is used for providing unified preposed services of each financial institution, the background is in butt joint with different financial institution interfaces, manages all the financial institutions and provides a caller to call the unified services of different financial structure interfaces.
6. The warranty-based supply chain financing system according to claim 1, wherein the financing service module further comprises a core business processing system for financing business;
the core business processing system is used for processing financing business requests of financing enterprises, and for different business requests of a plurality of financing enterprise terminals, after the core business systems are integrated, each server processes the business requests according to different rights and distributes the business requests to each core business processing system.
7. The warranty-based supply chain financing system according to claim 2, wherein the financing product business module comprises financing product creation, financing product on-shelf application, financing product on-shelf audit, financing product successful on-shelf, financing product off-shelf application and financing product off-shelf audit; wherein,
the financing product creation is used for performing different product division according to different financing enterprise classifications, and the financing product on-shelf application, the financing product on-shelf auditing, the successful financing product on-shelf application, the financing product off-shelf application and the financing product off-shelf auditing are used for controlling the product on-shelf and off-shelf operation and management.
8. The insurance-based supply chain financing system of claim 2, wherein the system credit business module comprises a financing enterprise credit application, a credit line providing audit, a resolution saving, a guarantee agreement signing and a financing enterprise credit saving; wherein,
the financing enterprise credit application is used for triggering a system credit work approval flow, and the credit line of the financing enterprise is approved and approved finally through the steps of checking, scheduling and wind control, preservation resolution, signing a guarantee agreement and preserving the financing enterprise credit.
9. The supply chain financing system based on a guarantee authority of claim 2, characterized in that the guarantee authority loan transaction module comprises upper transfer certificate acceptance, loan application initiation, loan audit, insurance authority acceptance transfer and financial institution loan acceptance; wherein,
and the uploaded transfer certificate is used for triggering a warranty loan work approval flow, business personnel give a loan confirmation through the steps of applying for loan issuance, examining and verifying loan and transferring due to the acceptance of the insurance policy, and finally the financial institution module pays the loan.
10. The supply chain financing system based on warranty according to claim 2, characterized in that the client repayment business module comprises uploading repayment voucher, initiating repayment application, repayment confirmation and settlement; wherein,
and the uploading repayment voucher is used for initiating repayment by the financing enterprise, a repayment process is triggered, and financial staff check and confirm the repayment through the line and settle accounts finally.
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