CN110135987A - A kind of accounts receivable credits plan as a whole the management method and system of guarantee fund - Google Patents
A kind of accounts receivable credits plan as a whole the management method and system of guarantee fund Download PDFInfo
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- CN110135987A CN110135987A CN201910340092.0A CN201910340092A CN110135987A CN 110135987 A CN110135987 A CN 110135987A CN 201910340092 A CN201910340092 A CN 201910340092A CN 110135987 A CN110135987 A CN 110135987A
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- 238000007726 management method Methods 0.000 title claims abstract description 111
- 230000007246 mechanism Effects 0.000 claims description 74
- 230000001447 compensatory effect Effects 0.000 claims description 31
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 16
- 239000010931 gold Substances 0.000 claims description 16
- 229910052737 gold Inorganic materials 0.000 claims description 16
- 230000007306 turnover Effects 0.000 claims description 11
- 238000011084 recovery Methods 0.000 claims description 10
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- 238000013439 planning Methods 0.000 claims description 5
- 238000004364 calculation method Methods 0.000 claims description 3
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- 238000000034 method Methods 0.000 description 4
- 238000005516 engineering process Methods 0.000 description 2
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- 230000002747 voluntary effect Effects 0.000 description 2
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- 238000010586 diagram Methods 0.000 description 1
- 238000002844 melting Methods 0.000 description 1
- 230000008018 melting Effects 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
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- 230000008569 process Effects 0.000 description 1
- 238000012827 research and development Methods 0.000 description 1
- 230000001360 synchronised effect Effects 0.000 description 1
- 238000010257 thawing Methods 0.000 description 1
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Abstract
A kind of accounts receivable credits of the invention plan as a whole the management method and system of guarantee fund, can effectively solve the problems, such as that accounts receivable credits guarantee fund's service efficiency is low, be difficult to concentrate overall management.Plan as a whole guarantee fund including S100 setting accounts receivable credits and pay end, is paid step by step for level Four guarantee account and plan as a whole to transfer；S200 is arranged accounts receivable credits and plans as a whole operation and use of the guarantee fund using end for system to guarantee fund is planned as a whole.The present invention plans as a whole guarantee fund's system by setting level Four accounts receivable credits, fund is by third party bank trustship/supervision, classification overall management guarantee fund, to improve efficiency in the use of funds, it ensures that accounts receivable credits expire realizations, and enhances accounts receivable credits and circulate the ability to ward off risks of business.
Description
Technical field
The present invention relates to electronics credits transaction technology fields, and in particular to a kind of accounts receivable credits plan as a whole the pipe of guarantee fund
Manage method and system.
Background technique
Guarantee fund is that one of the circulation of accounts receivable credits and financing business common assuring mode, client pay guarantee fund
Purpose primarily to enhancing contractual capacity, to ensure the interests of the final holder of credits, but due to lacking effective management
Mode and means cause guarantee fund largely to disperse idle, it is difficult to the greater role for playing guarantee fund, with accounts receivable credits stream
Turn and financing business it is increasingly developed, how more effective managing customer guarantee fund, while ensureing fund security, how maximum
Degree improves efficiency in the use of funds, is current all kinds of accounts receivable credits management service machines with the enhancing business entirety ability to ward off risks
The universal problem to be solved of structure.
Summary of the invention
A kind of accounts receivable credits proposed by the present invention plan as a whole the management method and system of guarantee fund, can effectively solve receivable
Funds on account credits guarantee fund's service efficiency is low, is difficult to the problem of concentrating overall management.
To achieve the above object, the invention adopts the following technical scheme: including executing following step by computer equipment
It is rapid:
S100, setting accounts receivable credits plan as a whole guarantee fund and pay end:
Accounts receivable credits management service mechanism opens third party's fund in bank and deposits pipe (or trustship) total account, corresponding visitor
Same name account is opened under accounts receivable credits management service mechanism total account in family, while will deposit pipe account and bank settlement account
Family is associated, and realizes the closed management of fund.Client can examine according to accounts receivable credits circulation business demand according to business
The pipe account of depositing for looking into determining guarantee fund's ratio (such as 20%) Xiang Zhiding pays pool guarantee fund, then according to set level Four
Guarantee fund's system, every guarantee fund is simultaneously in proportion as (10%) classification superior accounts receivable credits management service mechanism is paid
It deposits.Wherein plan as a whole guarantee fund classification turn over ratio system automatically update every year each department pool guarantee fund classification turn over ratio,
Its adjustment mode are as follows:
(1) it sets pool guarantee fund pool guarantee fund and turns over baseline scale as 10%；
(2) area higher for risk, on the basis of baseline scale suitably increase plan as a whole guarantee fund turn over ratio its
Mode is the every high one percentage point of this area's synthetic risk rate, then on the pool guarantee fund of corresponding up-regulation this area's one percentage point
Ratio is paid, but raises ratio not more than 10%；
(3) area relatively low for risk, on the basis of baseline scale suitably lower plan as a whole guarantee fund turn over ratio its
Mode is this area's synthetic risk rate per low one percentage point, then turns over to the pool guarantee fund for lowering this area's one percentage point
Ratio, but lower ratio not more than 5%；
(4) synthetic risk rate calculation formula are as follows:
Setting Risk rated ratio coefficient: be averaged rate of violation 0.8, credits voucher (contract) average year of credits voucher (contract) expires
The amount of money 0.1, credits voucher (contract) average liabilities people concentration degree 0.1, synthetic risk rate=(this area credits rate of violation-whole nation
Credits are averaged rate of violation) * 0.8+ (this area credits average year amount due-whole nation credits average year amount due) * 0.1+ (this
Regional credits average liabilities people concentration degree-whole nation credits average liabilities people concentration degree) * 0.1, in which:
National credits be averaged rate of violation=whole nation accounts receivable credits management service mechanism credits voucher (contract) expire it is separated
About total/national accounts receivable credits management service mechanism credits voucher (contract) amount of money total * 100% of the amount of money；
This area credits be averaged rate of violation=credits voucher (contract) breach amount of money it is total/credits voucher (contract) gold
Volume total * 100%；
National credits average year amount due=whole nation accounts receivable credits management service mechanism storage amount of obligation/whole nation
Accounts receivable credits management service mechanism storage credits time limit * 100%；
This area credits average year amount due limit=this area accounts receivable credits management service mechanism storage credits gold
Volume/this area accounts receivable credits management service mechanism storage credits time limit * 100%；
National credits average liabilities people concentration degree=whole nation accounts receivable credits management service mechanism storage amount of obligation/complete
The corresponding debtor's quantity * 100% of accounts receivable credits management service mechanism, state storage credits；
This area credits average liabilities people concentration degree=this area accounts receivable credits management service mechanism storage credits gold
Volume/corresponding debtor's quantity the * 100% of this area accounts receivable credits management service mechanism storage credits.
S200, setting accounts receivable credits plan as a whole guarantee fund and use end:
Accounts receivable credits management service mechanism comes to testify and freezes according to guarantee fund's ratio (such as 20%) that operational audit determines
The pool guarantee fund of corresponding client, and according to different situations, corresponding pool guarantee fund is used to expire and buys back payment or plans as a whole
It is compensatory.When risk occurs, if the same level can be planned as a whole undermargined, then differential section can be applied planning as a whole compensatory upwards step by step,
After specific performance is compensatory, then pass through the guarantee fund that recovery program refills various regions pool from bottom to top.
On the other hand, invention additionally discloses the management systems that a kind of accounts receivable credits plan as a whole guarantee fund, including with lower die
Block:
Fund account management module for client and credits management company open up fund deposit pipe account and deposit pipe account with
The association of bank settlement account；
Fund, which is transferred to, produces module for managed fund to be transferred to and produce, and supports client by guarantee fund from associated bank
Settlement accounts is transferred to corresponding pipe account of depositing and is managed as a whole, and business expires if you need to deposit released, then deposits from client's correspondence
Pipe account produces the associated bank settlement account of management, realizes the closed management of fund；
Turn over step by step module for according to level Four guarantee fund's management system of setting, realize from bottom to top plan as a whole guarantee fund from
County's (area) grade is to city-level, city-level again to provincial, provincial paying step by step to the whole nation again, accounts receivable credits management service machines at different levels
The ratio that structure is turned over can be different；
Business freezes and pays at maturity module and freezes for accounts receivable credits circulation business to guarantee fund, and credits arrive
It is thawed when the phase for paying account receivable under forward contracts to final assignee of the claim, to realize credits；
It is compensatory pool and recovery supply module for when occur credits expire cannot obtain the risk paid off in full amount when, by right
The accounts receivable credits management service mechanism starting emergency mechanism answered, differential section, which is used, plans as a whole guarantee fund's compensatory guarantee credits in advance
It realizes as scheduled, while starting recovery program, undertake payment justice to debtor, the initial creditor of promise repurchase and guarantor etc.
The assets of (matter) signature are supported in the main body recovery of business or in accordance with the law disposition, are supplied in time for compensatory guarantee fund.
Further, guarantee fund is paid for business applicant client, it both can be according to customers wishes, when credits expire i.e.
Can be used for offset repurchase payment, can not also offset repurchase payment, but from promise to undertake payment or repurchase people fully to final credits
Assignee pays account receivable under forward contracts, and corresponding pool guarantee fund, which can thaw, returns business applicant, or continues to be deposited in client couple
It answers in account and is used for the pool guarantee fund of subsequent credits business；
Further, credits expire as promised to undertake situations such as payment or repurchase people fail full-amount payment in time, lead to final debt
Optionce cannot obtain full-amount liquidation, and the same level accounts receivable credits management service mechanism will be used from the guarantee fund that can currently plan as a whole
Pool payment is carried out, when Sorry, your ticket has not enough value by the guarantee fund that the same level can be planned as a whole, insufficient section is then by the same level accounts receivable credits management
Service organization's superior accounts receivable credits management service mechanism application pool is compensatory, such as higher level's accounts receivable credits management service
There is also deficiencies for mechanism, then and so on application is planned as a whole compensatory upwards step by step, application guarantees for compensatory pool upwards step by step
Gold, it is compensatory in the same level accounts receivable credits management service mechanism and after recovering compensatory money by recovery program, receipt on account is answered by the same level
Money credits management service mechanism plans as a whole compensatory amount of money superior and transfers to refill by higher level is practical.
As shown from the above technical solution, through the invention, it sets up level Four guarantee fund and manages mechanism and system, Ke Yigen as a whole
It is voluntary according to client, it effectively manages accounts receivable credits and circulates business guarantee fund, actual funds by the trustship of third party bank or can deposit
Pipe, supervision improve efficiency in the use of funds while ensureing fund security, enhance the business entirety ability to ward off risks.
Detailed description of the invention
Fig. 1 is flow chart of the method for the present invention；
Fig. 2 is that system pool guarantee fund of the invention pays flow chart；
Fig. 3 is that system of the invention plans as a whole guarantee fund's process for using figure；
Fig. 4 is system block diagram of the invention.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.It should be noted that wherein:
(1) accounts receivable credits management service mechanism refers to the accounts receivable credits by local government or the establishment of state-owned enterprise's individual proprietorship
Management company or people's court, arbitration commission, nomocracy all kinds of mediate tissues, Major Function is by national science and technology
Receipt on account is answered in supporting plan " electronic payment service system of new generation research and development and Applied D emonstration based on credits circulation " project construction
Money credits voucher (contract) flow system, by all kinds of economic entities possess to the industrial chains core leading enterprise such as government, state-owned enterprise
Accounts receivable, be changed into the accounts receivable credits voucher (contract) of papery or electronics, the creditor that voucher (contract) is recorded can
It finances in bank and other financial mechanism or is circulated by the modes such as transferring the possession of, melting goods, defray, trade, pledge；
(2) plan as a whole guarantee fund, business guarantee fund or guarantee fund are also referred to as in the invention patent, refers to accounts receivable credits
Circulation business applicant (client) provides according to the service management of accounts receivable credits management service mechanism, is examined according to every business
Determining ratio is looked into, is paid to destiny account for ensureing that credits expire and by accounts receivable credits management service mechanism concentration
The fund of overall management.
As shown in Figure 1, the overall management method of accounts receivable credits guarantee fund described in the present embodiment, including pass through calculating
Machine equipment executes following steps:
Step S100, setting accounts receivable credits pool guarantee fund pays end:
Accounts receivable credits management service mechanism opens third party's fund in bank and deposits pipe (or trustship) total account, corresponding visitor
Same name account is opened under accounts receivable credits management service mechanism total account in family, while will deposit pipe account and bank settlement account
Family is associated, and realizes the closed management of fund.Client can examine according to accounts receivable credits circulation business demand according to business
The pipe account of depositing for looking into determining guarantee fund's ratio (such as 20%) Xiang Zhiding pays pool guarantee fund, for temporary not used guarantee
Gold can voluntarily be dominated use by client from depositing pipe account and producing to associated bank settlement account.According to set four
Grade guarantee fund's system, every guarantee fund is simultaneously in proportion as (10%) classification superior accounts receivable credits management service mechanism is paid
It deposits.Wherein plan as a whole guarantee fund classification turn over ratio system automatically update every year each department pool guarantee fund classification turn over ratio,
Its adjustment mode are as follows:
(1) it sets pool guarantee fund pool guarantee fund and turns over baseline scale as 10%；
(2) area higher for risk, on the basis of baseline scale suitably increase plan as a whole guarantee fund turn over ratio its
Mode is the every high one percentage point of this area's synthetic risk rate, then on the pool guarantee fund of corresponding up-regulation this area's one percentage point
Ratio is paid, but raises ratio not more than 10%；
(3) area relatively low for risk, on the basis of baseline scale suitably lower plan as a whole guarantee fund turn over ratio its
Mode is this area's synthetic risk rate per low one percentage point, then turns over to the pool guarantee fund for lowering this area's one percentage point
Ratio, but lower ratio not more than 5%；
(4) synthetic risk rate calculation formula are as follows:
Setting Risk rated ratio coefficient: be averaged rate of violation 0.8, credits voucher (contract) average year of credits voucher (contract) expires
The amount of money 0.1, credits voucher (contract) average liabilities people concentration degree 0.1, synthetic risk rate=(this area credits rate of violation-whole nation
Credits are averaged rate of violation) * 0.8+ (this area credits average year amount due-whole nation credits average year amount due) * 0.1+ (this
Regional credits average liabilities people concentration degree-whole nation credits average liabilities people concentration degree) * 0.1, in which:
National credits be averaged rate of violation=whole nation accounts receivable credits management service mechanism credits voucher (contract) expire it is separated
About total/national accounts receivable credits management service mechanism credits voucher (contract) amount of money total * 100% of the amount of money；
This area credits be averaged rate of violation=credits voucher (contract) breach amount of money it is total/credits voucher (contract) gold
Volume total * 100%；
National credits average year amount due=whole nation accounts receivable credits management service mechanism storage amount of obligation/whole nation
Accounts receivable credits management service mechanism storage credits time limit * 100%；
This area credits average year amount due limit=this area accounts receivable credits management service mechanism storage credits gold
Volume/this area accounts receivable credits management service mechanism storage credits time limit * 100%；
National credits average liabilities people concentration degree=whole nation accounts receivable credits management service mechanism storage amount of obligation/complete
The corresponding debtor's quantity * 100% of accounts receivable credits management service mechanism, state storage credits；
This area credits average liabilities people concentration degree=this area accounts receivable credits management service mechanism storage credits gold
Volume/corresponding debtor's quantity the * 100% of this area accounts receivable credits management service mechanism storage credits.
Step S200, setting accounts receivable credits pool guarantee fund uses end:
Accounts receivable credits management service mechanism freezes to correspond to according to guarantee fund's ratio (such as 20%) that operational audit determines
The pool guarantee fund of client, and according to different situations, corresponding pool guarantee fund is used to expire and buys back payment or plans as a whole compensatory.
When risk occurs, if the same level can be planned as a whole undermargined, then differential section can be applied planning as a whole compensatory upwards step by step, practical to carry out
After row is compensatory, then pass through the guarantee fund that recovery program refills various regions pool from bottom to top.
On the other hand, as shown in Figure 2, Figure 3 and Figure 4, a kind of accounts receivable credits pool guarantor is also disclosed in the embodiment of the present invention
The management system for demonstrate,proving gold, comprises the following modules:
Fund account management module for client and credits management company open up fund deposit pipe account and deposit pipe account with
The association of bank settlement account；
Fund, which is transferred to, to be produced module and is transferred to and produces for managed fund, and client pays guarantee fund's management by bank account
Company, which by system is transferred to function guarantee fund is synchronized to the virtual fund account of client and management company, to be managed as a whole, business
It expires if you need to deposit released, then function is produced by system and the corresponding virtual fund account fund of client is produced into client pass
The bank settlement account of connection, realizes the closed management of fund；
Module is turned over step by step for the level Four margin account mechanism according to setting, realizes that planning as a whole guarantee fund pays from bottom to top
It deposits, preferred client is planned as a whole to protect by bank account by setting ratio a% according to accounts receivable amount of obligation to management company at county level
It demonstrate,proves golden bank account and pays guarantee fund, then pool margin account at county level turns over setting ratio to city-level pool margin account
The pool guarantee fund of b%, then city-level plans as a whole the system that margin account turns over setting ratio c% to provincial pool margin account
Guarantee fund is raised, then provincial margin account of planning as a whole guarantees to the pool that whole nation pool margin account turns over setting ratio d%
Gold；
Module is freezed and paid at maturity to business for use of the business to guarantee, and (1) comes to testify according to the amount of money of coming to testify multiplied by guarantor
It demonstrate,proves golden ratio such as (20%) and freezes corresponding pool guarantee fund's amount of money；(2) guarantee fund freezed that comes to testify of thawing is bought back, business is normal
Repurchase plans as a whole to guarantee according to client oneself selection to be that offset repurchase money is retracted or continues to come to testify.If there is it is compensatory so
It is supplied into compensatory pool and recovery；
It is compensatory pool and recovery supply module for when occur credits expire cannot obtain the risk paid off in full amount when, by right
The accounts receivable credits management service mechanism starting level Four answered plans as a whole guarantee fund's emergency mechanism, and differential section is first with guarantee fund is planned as a whole
The compensatory guarantee credits of row are realized as scheduled, while starting recovery program, to debtor, promise to undertake the initial creditor bought back and guarantee
People etc. undertakes the main body recovery of obligation to pay or disposes the assets for supporting (matter) signature in accordance with the law, is supplied in time for compensatory guarantee
Gold.
The accounts receivable credits of the inventive embodiments plan as a whole the management method and system of guarantee fund, are guaranteed by setting up level Four
Gold plans as a whole account management mechanism and system, can be voluntary according to client, effectively manages accounts receivable credits circulation business guarantee fund,
Actual funds can by the trustship of third party bank or deposit pipe, supervision, while ensureing fund security, improve use of funds imitate
Rate enhances the business entirety ability to ward off risks.
The above embodiments are merely illustrative of the technical solutions of the present invention, rather than its limitations；Although with reference to the foregoing embodiments
Invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each implementation
Technical solution documented by example is modified or equivalent replacement of some of the technical features；And these modification or
Replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution.
Claims (8)
1. the management method that a kind of accounts receivable credits plan as a whole guarantee fund, it is characterised in that: including being executed by computer equipment
Following steps:
S100, setting accounts receivable credits pool guarantee fund pay end and guarantee that account is paid step by step and plans as a whole to transfer for level Four；
S200, setting accounts receivable credits plan as a whole operation and use of the guarantee fund using end for system to guarantee fund is planned as a whole.
2. the management method that accounts receivable credits according to claim 1 plan as a whole guarantee fund, it is characterised in that: the step
Guarantee that account is paid step by step and plans as a whole to transfer for level Four in S100；It specifically includes:
Accounts receivable credits management service mechanism opens third party's fund in bank and deposits the total account of pipe, and corresponding client is in accounts receivable
Same name account is opened under credits management service mechanism total account, while pipe account will be deposited and be associated with bank settlement account,
The closed management of realization fund；
Client deposits pipe to specified according to guarantee fund's ratio that operational audit determines according to accounts receivable credits circulation business demand
Account, which is paid, plans as a whole guarantee fund；
According to set level Four guarantee fund's system, every guarantee fund is classified the credits management of superior accounts receivable in proportion simultaneously
Service organization pays when needing to plan as a whole the application upwards step by step of compensatory Shi Xianyou counties and districts grade, then plans as a whole to transfer step by step from top to bottom.
3. the management method that accounts receivable credits according to claim 1 plan as a whole guarantee fund, it is characterised in that: the S200
In for system to plan as a whole guarantee fund operation and use specifically include:
Accounts receivable credits management service mechanism is protected according to the pool that guarantee fund's ratio that operational audit determines freezes corresponding client
Card gold, and corresponding pool guarantee fund is used to expire and buys back payment or plans as a whole compensatory；
When risk occurs, if the same level can plan as a whole it is undermargined, differential section step by step upwards application plan as a whole it is compensatory, it is practical to carry out
After row is compensatory, then pass through the guarantee fund that recovery program refills various regions pool from bottom to top.
4. the management method that accounts receivable credits according to claim 2 plan as a whole guarantee fund, it is characterised in that: the step
Set level Four guarantee fund's system specifically includes in S100:
Accounts receivable credits management service mechanism is equipped with level Four account mechanism, is divided into counties and districts' grade, city-level, provincial, national grade, guarantee
When gold is paid, paid from bottom to top in the ratio of setting:
(1) counties and districts' grade: business applicant client is taken in the ratio a% that operational audit determines to counties and districts' accounts receivable credits management
Business mechanism, which is paid, plans as a whole guarantee fund, for the pool in this counties and districts scope of business；
(2) counties and districts' grade is paid upwards: the pool guarantee fund that accounts receivable credits management service mechanism, counties and districts collects, by setting ratio
B% is paid to city-level accounts receivable credits management service mechanism, the pool being same as in this city scope of business；
(3) city-level is paid upwards: the pool guarantee fund that city-level accounts receivable credits management service mechanism collects, by setting ratio
C% is paid to provincial accounts receivable credits management service mechanism, the pool being same as in this province scope of business；
(4) provincial to pay upwards: the pool guarantee fund that provincial accounts receivable credits management service mechanism collects, by setting ratio
D% is paid to national grade accounts receivable credits management service mechanism, the pool being same as in the national scope of business.
5. the management method that accounts receivable credits according to claim 4 plan as a whole guarantee fund, it is characterised in that: the step
Guarantee fund in S100 pays ratio setting and specifically includes:
The pool guarantee fund classification that system automatically updates each department every year, which turns over ratio and wherein plans as a whole guarantee fund, turns over baseline scale
It is 10%, the area higher for risk suitably increases on the basis of baseline scale and plan as a whole guarantee fund and turn over proportional manner and be
The every high one percentage point of this area's synthetic risk rate, then the pool guarantee fund of corresponding up-regulation this area's one percentage point turns over ratio
Example, but raise ratio highest and be less than or equal to 10%；The area relatively low for risk lowers on the basis of baseline scale and plans as a whole to protect
It is this area's synthetic risk rate per low one percentage point that card gold, which turns over proportional manner, then to the system for lowering this area's one percentage point
It raises guarantee fund and turns over ratio, but lower ratio highest and be less than or equal to 5%.
6. the management method that accounts receivable credits according to claim 5 plan as a whole guarantee fund, it is characterised in that: the step
The calculation formula of synthetic risk rate in S100 specifically includes:
Risk rated ratio coefficient: be averaged rate of violation 0.8, credits voucher average year amount due 0.1, credits voucher of credits voucher is average
Debtor's concentration degree 0.1；
Then synthetic risk rate=(this area credits rate of violation-whole nation credits be averaged rate of violation) * 0.8+ (this area credits average year
Amount due-whole nation credits average year amount due) (this area credits average liabilities people concentration degree-whole nation credits are average by * 0.1+
Debtor's concentration degree) * 0.1；
Wherein:
National credits be averaged rate of violation=whole nation accounts receivable credits management service mechanism credits voucher breach amount of money it is total/
The national accounts receivable credits management service mechanism credits voucher amount of money total * 100%；
This area credits are averaged rate of violation=this area accounts receivable credits management service mechanism credits voucher breach amount of money
Total/this area accounts receivable credits management service mechanism credits voucher amount of money total * 100%；
National credits average year amount due=whole nation accounts receivable credits management service mechanism storage amount of obligation/whole nation is receivable
Funds on account credits management service mechanism storage credits time limit * 100%；
This area credits average year amount due limit=this area accounts receivable credits management service mechanism storage amount of obligation/sheet
Regional accounts receivable credits management service mechanism storage credits time limit * 100%；
It answers in national credits average liabilities people concentration degree=whole nation accounts receivable credits management service mechanism storage amount of obligation/whole nation
The corresponding debtor's quantity * 100% of receipt on account money credits management service mechanism storage credits；
This area credits average liabilities people concentration degree=this area accounts receivable credits management service mechanism storage amount of obligation/sheet
The corresponding debtor's quantity * 100% of regional accounts receivable credits management service mechanism storage credits.
7. the management method that accounts receivable credits according to claim 3 plan as a whole guarantee fund, it is characterised in that: the step
S200 further includes that guarantee fund freezes, thaws, the repurchase that expires, planning as a whole compensatory, recovery and supply and specifically include:
The circulation business application of accounts receivable credits is freezed the pool that client pays according to guarantee fund's ratio that operational audit determines and is protected
Card gold；
It is thawed when credits expire for paying account receivable under forward contracts to final assignee of the claim, to realize credits；It is arrived when there are credits
When phase cannot obtain the risk paid off in full amount, emergency mechanism, difference are started by corresponding accounts receivable credits management service mechanism
With guarantee fund is planned as a whole, compensatory guarantee credits are realized as scheduled in advance for part, while starting recovery program, to debtor, promise to undertake repurchase
Initial creditor and guarantor etc. undertake the main body recovery of obligation to pay or dispose mortgaged assets in accordance with the law, supply use in time
In compensatory guarantee fund；
Mechanism is managed as a whole by level Four guarantee fund, it is first compensatory by pool margin account at county level implementation pool, if system at county level
It is inadequate to raise guarantee fund, implements to plan as a whole to transfer by city-level, plans as a whole to transfer upwards in turn step by step, later period recovery is supplied successively from bottom to top
It supplies step by step.
8. the management system that a kind of accounts receivable credits plan as a whole guarantee fund, it is characterised in that comprise the following modules:
Fund account management module opens up fund and deposits pipe account and deposit pipe account and bank for client and credits management company
Fund account information is inquired in the association of settlement accounts；
Fund, which is transferred to, produces module for managed fund to be transferred to and produce, and supports client by guarantee fund from associated bank settlement
Account is transferred to corresponding pipe account of depositing and is managed as a whole, and business expires if you need to deposit released, then deposits pipe account from client's correspondence
The associated bank settlement account of management is produced at family, realizes the closed management of fund；
Module is turned over step by step for level Four guarantee fund's management system according to setting, realizes plan as a whole guarantee fund from counties and districts from bottom to top
To city-level, city-level again to provincial, provincial paying step by step to the whole nation again, accounts receivable credits management service mechanisms at different levels turn over grade
Ratio can be different；
Business freezes and pays at maturity module and freezes for accounts receivable credits circulation business to guarantee fund, when credits expire
It thaws for paying account receivable under forward contracts to final assignee of the claim, to realize credits；
It is compensatory pool and recovery supply module for when occur credits expire cannot obtain the risk paid off in full amount when, by corresponding
Accounts receivable credits management service mechanism starts emergency mechanism, and compensatory guarantee credits are as scheduled in advance with guarantee fund is planned as a whole for differential section
It realizes, while starting recovery program, undertake obligation to pay to debtor, the initial creditor of promise repurchase and guarantor etc.
Mortgaged assets are disposed in main body recovery in accordance with the law, are supplied in time for compensatory guarantee fund.
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