Account receivable creditor's rights certificate (contract) transfer system

Abstract

The invention discloses an account receivable creditor's right certificate (contract) transfer system and method. The system comprises a creditor's right acceptance module, a risk review module, a code distribution module, an account receivable creditor's right certificate (contract) issuing module, an account receivable creditor's right certificate (contract) printing module, a creditor's right assignment module and a pledge registration module. Through sciences and technologies and a credit enhancement manner, account receivables, in static state, among various economic subjects are converted into paper or electronic account receivable certificates (contracts) which integrates the functions of financing, commodity financing, transfer, transaction and refunding (countervailing); in practice, solely state-owned account receivable creditor's right management companies are established by local governments or group applications are organized via mediation such as people mediation, industrial mediation and commerce chamber mediation; and through the system, account receivable creditor's right certificate (contract)s are issued for account receivables which accords with conditions so asto carry out transfer, so that a positive role is played in solving difficult financing of small and medium enterprises, resolving chain debts, resolving the debts of local governments and pushing the construction of credit systems.

Description

technical field [0001] The invention relates to the technical field of Internet e-commerce, in particular to an account receivable credit certificate (contract) circulation system. Background technique [0002] Accounts receivable is an important asset of various economic entities, especially small, medium and micro enterprises. According to statistics, my country's current annual corporate accounts receivable is 80 trillion yuan, and the stock is 20 trillion yuan; the stock of local government debt has reached 20 trillion yuan in 2015, a considerable proportion of which is corporate accounts receivable; Chinese Academy of Social Sciences According to the research report of the National Finance and Development Laboratory, China's total debt has reached 168.48 trillion in 2015, and the leverage ratio of the whole society is 249%. [0003] Based on market demand and the development of modern information technology, some business methods and supporting system technology researc...

AI Technical Summary

Problems solved by technology

However, the revitalization of accounts receivable mainly relies on financing, the financing of accounts receivable mainly relies on commercial banks, the utilization rate of accounts receivable is still low, financing is difficult and expensive for small and medium-sized enterprises, and the pattern of increasingly prominent creditor's rights and debt disputes has not been fundamentally changed.

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