Account receivable factoring credit line measuring and calculating method and system

Abstract

The invention discloses an account receivable factoring credit limit measuring and calculating method and system. The method comprises the following steps: step 101, performing data entry and storage;step 102, performing data verification and cleaning; step 103 calculating statistical variables alpha 1, alpha 2, alpha 3-Alpha n; step 104, under the first condition, if the data source contains thedata of the number of the refund days, calculating the index refund days omega1; and in the second case, if the data source does not contain the data of the number of repayment days, calculating coefficients omega 2 and k; and step 105, determining credit limit. On the premise that platform data is credible, the influence of artificial subjective evaluation on the credit granting amount is reduced as much as possible through a data modeling technology. A time series correlation model is adopted, so that the timeliness and sensitivity of data can be better mastered, and the actual financing requirements of enterprises can be better met.

Description

technical field [0001] The invention belongs to the technical field of comprehensive application of statistics and mathematics, and specifically designs a method for measuring and calculating credit line of accounts receivable financing. It is mainly used when the user can provide credible data for both parties, and the factoring company calculates the credit amount of the enterprise. Background technique [0002] Today, when our country is vigorously building a social credit system, factoring of accounts receivable is more promising and promising. At present, when Chinese banks or factoring companies conduct unsecured accounts receivable financing business of enterprises, they only accept the loan business around the core enterprises. When calculating the credit line, it is based on the total amount of annual accounts receivable of the enterprise. Divide it by the turnover times of its accounts receivable, and then according to its own risk control requirements, multiply i...

AI Technical Summary

Problems solved by technology

However, the existing credit line calculation needs to meet the precondition that the enterprise belongs to the core enterprise supplier, which is not flexible enough; and it is often only based on the operating data of a single point in time to calculate the line, which is not comprehensive enough; Larger interference factors

Therefore, in practical applications, it cannot meet the needs of many well-run enterprises without the endorsement of core enterprises, and the existing calculation method of credit line is mostly determined by the data of a single point in time, which requires more human participation and cannot meet the requirements of real transactions of enterprises. Funding needs, unable to help the funder expand customers, and unable to provide scientific and real-time decision-making support for credit lines

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