Multilevel relation management method and platform for credit money allocation

Abstract

The invention relates to a multilevel relation management method and a platform for credit money allocation. The method comprises steps: through analyzing the credit value of an enterprise which is about to access the platform, the enterprise is marked as a core enterprise, and according to a protocol channel, an upper-lower enterprise relation between the core enterprise and a first invited enterprise is built; an upper-lower enterprise relation between the first invited enterprise and a second invited enterprise is built; the total credit money amount value is pre-allocated to the core enterprise, and allocation of the credit money amount value is carried out on other enterprises which access the platform according to the protocol channel. Through building the upper-lower enterprise relation, the allocation of the credit money amount value between upper and lower levels of enterprises is managed, the risk control ability is improved, the credit risks are reduced, the supervision strength is enhanced, the credit money amount allocation ability is further improved, and interests and needs of the enterprise are met.

Description

technical field [0001] The present invention relates to the fields of finance, the Internet, and big data, in particular to a method for managing multi-level relationships of credit allocation, and also relates to a management platform for multi-level relationships of credit allocation. Background technique [0002] As we all know, Internet finance is the product of the combination of traditional financial industry and Internet technology. Its appearance not only subverts the traditional financial industry, but also has a fundamental impact on people's lives. [0003] The Internet financial system takes the accounts payable and bills of the core enterprises in the supply chain as the core to form payment commitments to provide convenient financing services for enterprises in the supply chain chain, and is also a trading system that connects financial institutions' funds to provide financial institutions with high-quality assets. On the asset side, the platform centered on th...

AI Technical Summary

Problems solved by technology

[0004] However, Internet finance has not been connected to the credit information system of the People's Bank of China, nor does it have a credit information sharing mechanism. Imperfect, the relevant laws of Internet finance still need to be matched, the cost of Internet financial default is low, and it is easy to induce risks such as malicious defrauding of loans and running away with money

In addition, some Internet financial service platforms have low barriers to entry and lack of supervision, and have become hotbeds for criminals to engage in illegal fund-raising and fraud. "Running" incidents have been exposed successively

[0005] In summary, due to the defects of weak risk control, high credit risk, and weak supervision in the Internet financial system, the allocation of credit lines in financial transactions is often subject to great restrictions, which cannot meet the interests and needs of various enterprises

Images