Risk management system for commercial factoring cloud transaction

Abstract

The invention discloses a risk management system for a commercial factoring cloud transaction and belongs to the financial field. The intelligent system is adopted to solve a financial risk control problem during factoring. The system comprises a financing module, a review module, a grading module, a bidding module, a dealing module, a fund trusteeship module and a loaning module, wherein the grading module is used for performing grading on financing information and enterprise information and forming corresponding scores or grades; the bidding module is used for displaying the financing information and the enterprise information on a cloud transaction platform and can be used by a factor to perform input interest bidding; the dealing module is used for a bidding result dealing between a financer and the factor; the fund trusteeship module is used for supervising factor funds; and the loading module is used for transferring financed funds to an account of the financer.

Description

technical field [0001] The invention relates to the field of financial risk management, in particular to a risk management system for commercial factoring cloud transactions. Background technique [0002] The existing factoring platforms all meet the single forward factoring or reverse factoring function, and are independently developed for financial institutions such as banks and non-bank financial institutions. There are no standardized products, and they cannot connect to third-party data. Factoring financing relies on paper documents to be passed between parties, and each party enters its own system separately, which is time-consuming and labor-intensive, and is prone to operational errors. Each party operates independently, which cannot effectively prevent fraud risks and requires too much manual participation lead to operational risk. [0003] At the same time, in the process of risk management, it is necessary to manually conduct qualitative evaluation, such as query...

AI Technical Summary

Problems solved by technology

[0002] The existing factoring platforms all meet the single forward factoring or reverse factoring function, and are independently developed for financial institutions such as banks and non-bank financial institutions. There are no standardized products, and they cannot connect to third-party data. Factoring financing relies on paper documents to be passed between parties, and each party enters its own system separately, which is time-consuming and labor-intensive, and is prone to operational errors. Each party operates independently, which cannot effectively prevent the risk of fraud and requires too much manual participation. operational risk

[0003] At the same time, in the process of risk management, it is necessary to manually conduct qualitative evaluation, such as querying the financial information and negative information of financing companies, and the existing stress test is also carried out separately, without combining specific financing review operations

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