Commercial factoring information exchange system and method

Abstract

The invention relates to a commercial factoring information exchange system and method, and the system includes an input module which is used for obtaining the input information sent by a commercial factoring participant; a processing module which is used for performing normalization processing of the input information according to a message database to generate a standard message; and an output module which is used for outputting the standard message. According to the technical scheme provided by the invention, the system can achieve the efficient and accurate interaction of various types ofrelevant information of various parties in the commercial factoring industry, improves the work efficiency of the commercial factoring industry, and reduces the risk of the employers.

Description

technical field [0001] The present invention relates to the field of Internet information technology, in particular to a commercial factoring information exchange system and method. Background technique [0002] Commercial factoring is a set of financial solutions based on factoring contracts signed between factoring companies and suppliers, including financing, credit risk management, accounts receivable management and collection services. According to the factoring contract, the factoring agent accepts the supplier's accounts receivable and pays on behalf of the buyer. If the buyer fails to pay, the factor pays the supplier. [0003] In recent years, as the scale of accounts receivable of industrial enterprises above designated size in the country continues to grow at an average annual level of more than 1 trillion, the demand for financing of accounts receivable of enterprises has accelerated to the commercial factoring market. However, during the economic downturn, the...

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Problems solved by technology

However, during the period of economic downturn, the market risk increases, and the phenomenon of broken capital chain, bankruptcy, and running away due to bad debts and defaults of enterprises emerges in an endless stream. The business environment is extremely unfavorable for commercial factoring companies.

The anti-risk ability of commercial factoring companies cannot be compared with that of banks. In addition, the credit information exchange system of the industry has not yet been perfected, and the credit information system of the People’s Bank of China has not yet been connected. The team’s own team has insufficient experience in factoring business and risk control, and it is difficult to better control risks.

[0004] There are still many deficiencies in the current commercial factoring information exchange system. For example, the information exchange paths of different platforms are criss-crossed, and there are many exchange interfaces, resulting in information that cannot be reasonably queried and used, and even information is lost.

In addition, due to the different information standards, the participants in commercial factoring cannot exchange and share data in a timely and smooth manner through their respective systems, which reduces the work efficiency of the commercial factoring industry and increases the burden of factors such as factoring companies and banks. Risks hinder the resource integration and all-round development of the factoring industry

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