A supply chain financial software system and method

Abstract

The invention discloses a supply chain financial software system and method, including a core enterprise client, a supplier client, a fund party client and an internal management platform,, the core enterprise client reports information to a background database of the internal management platform to obtain a cloud exchange credit line, the core enterprise sends the cloud exchange information in the credit line to the supplier client, and the supplier client sends the cloud exchange information to other enterprises for payment of goods. The invention discloses a supply chain financial softwaresystem and method. Firstly, separation of commodity exchange and currency exchange is realized; the requirements of a payment enterprise on operation funds are reduced; secondly, credit transfer of core enterprises is achieved, bank guarantee is achieved, the bad account risk of the seller is effectively reduced, online transfer and timely transfer of credit and related service information can beachieved, market demand information and financing party operation information can be accurately fed back, the financing risk is reduced, and a better use prospect is brought.

Description

technical field [0001] The invention relates to the field of supply chain finance, in particular to a supply chain finance software system and method. Background technique [0002] At present, in the industry, whether it is traditional accounts receivable financing or virtual credit line transfer and financing, basically the enterprise is the node unit, and the credit line transfer chain becomes a network structure. This is a verification of the constraint conditions. will be very difficult; [0003] There are certain disadvantages in the use of existing supply chain finance: [0004] (1) It is difficult to confirm the rights of assets. The core enterprise as the buyer lacks the motivation to confirm the rights. The internal approval process is long, and the risk of fraud is frequent, making it difficult to implement effective actions; [0005] (2) Asset financing is difficult, small and medium-sized enterprises have insufficient credit, financing is difficult, and financi...

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Problems solved by technology

[0004] (1) It is difficult to confirm the rights of assets. The core enterprise as the buyer lacks the motivation to confirm the rights. The internal approval process is long, and the risk of fraud is frequent, making it difficult to implement effective actions;

[0005] (2) Asset financing is difficult, small and medium-sized enterprises have insufficient credit, financing is difficult, and financing costs are high.

[0006] (3) It is difficult to transfer credit. The traditional factoring business can only transfer the credit of core enterprises to the first-tier suppliers, and it is powerless for enterprises further upstream in the industrial chain;

[0007] (4) Asset risk control is difficult, traditional factoring financing, trade background fraud, fake official seals and fake signatures have emerged one after another. Facing the problem of fraud, either there is a lack of effective means, or the cost is too high and the conflict is too strong to be practically adopted;

[0008] (5) High operating costs and high offline acceptance costs. Banks and commercial factoring companies have to give up this market for small, scattered, large-scale, and high-frequency factoring financing needs of small and medium-sized enterprises. This is precisely the risk Decentralized, higher-yielding business, for this purpose, we propose a supply chain financial software system and method

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