Unlock instant, AI-driven research and patent intelligence for your innovation.

Risk control method and system for providing guarantee between small and medium-sized enterprises

A technology for risk control, small and medium-sized enterprises, applied in the fields of instruments, finance, data processing applications, etc., can solve the problem of low information reliability, and achieve the effect of reducing the guarantee risk

Inactive Publication Date: 2020-05-08
陈华 +1
View PDF0 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The information disclosed by small and medium-sized enterprises in order to obtain funds is largely false information, and the credibility of the information is not high

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Risk control method and system for providing guarantee between small and medium-sized enterprises
  • Risk control method and system for providing guarantee between small and medium-sized enterprises

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0021] The present invention will be further explained below in conjunction with the accompanying drawings.

[0022] A risk control method for providing guarantee between small and medium-sized enterprises, comprising the steps of:

[0023] Extract the key financial data of small and medium-sized enterprises with capital needs, obtain financial information data of financing enterprises, preprocess the financial information data, establish financial models of financing enterprises, and send them to small and medium-sized enterprises that can provide guarantees for review, review After approval, the financial data of small and medium-sized enterprises that have capital needs and can provide guarantees will be sent to the bank's special data analysis team to review their financial status.

[0024] After passing the review, the bank will issue loans to small and medium-sized enterprises with financing needs. The bank will transfer the funds of the guarantee company to the correspo...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention provides a risk control method for providing guarantee between small and medium-sized enterprises, and the method comprises the steps: obtaining financial information data of a financingenterprise, carrying out the preprocessing of the financial information data, and building a financial model of the financing enterprise; enabling the bank to perform fund transfer by using a block chain technology, enabling the bank to transfer the fund to a corresponding node special for the special money, and synchronizing the fund use information of each account to other nodes; and recordingand supervising fund application, monitoring and checking the fund of each node by a bank and a guarantee enterprise, and carrying out early warning and remedy on abnormal operation behaviors. According to the scheme provided by the invention, fund application is transparent, the problem of difficult financing of small and medium-sized enterprises can be reduced, the loan enterprises can be restrained, and the guarantee risk is reduced.

Description

technical field [0001] The invention relates to the field of risk management and control, in particular to a risk control method and system for providing guarantees between small and medium-sized enterprises. Background technique [0002] In the financing guarantee market for small and medium-sized enterprises, information asymmetry often exists. However, small and medium-sized enterprises have small assets, unstable economic conditions, and imperfect management and accounting. These risks, combined with adverse selection and moral hazard, will greatly reduce the efficiency of the financial market. , is the main problem that leads to the difficulty of obtaining loans for SMEs. [0003] At present, the main problem of guaranteeing risks for small and medium-sized enterprises is mainly solved by enhancing signal display and strengthening supervision. The government has introduced a series of measures to improve the information disclosure of SMEs, which has reduced the guarant...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/0635G06Q40/03
Inventor 陈华赵国庆
Owner 陈华