Account receivable creditor's right financing customer credit granting method and system

Abstract

The invention discloses an account receivable creditor's right financing client credit granting method and system. The method comprises the following steps: a bank and other credit granting mechanismsobtain the account receivable creditor's right financing request information of a client, and check the account receivable creditor's right information; carrying out credit evaluation on the client to determine a credit line of the client; account receivable pledge or transfer registration is handled, and financing is issued to the clients obtaining credit granting according to the credit granting quotas of the clients; a client (borrower) or an account receivable debtor who committes payment or an initial creditor who committes repurchase returns (pays) money to a credit granting institutionsuch as a bank according to an agreement so as to clear a loan and synchronously relieve the pledge of the account receivable. Through cooperation and system butt joint of an account receivable creditor's right management service mechanism and credit granting mechanisms such as banks, credit granting approval is efficiently and conveniently conducted on account receivable creditor's right financing clients, so that the credit granting approval efficiency and loaning speed are improved, top-speed and instantaneous loaning can be achieved for high-quality clients, and the financing cost is reduced.

Description

technical field [0001] The invention relates to the technical field of financial credit management, in particular to a client credit granting method and system for debt financing of accounts receivable. Background technique [0002] At present, various economic entities, especially private enterprises and small, medium and micro enterprises, have a large amount of accounts receivable. Traditional banking financial institutions, factoring companies and other related fund providers, as well as creditor's rights management service agencies such as accounts receivable creditor's rights management companies, For the application of accounts receivable circulation financing, there are many problems such as complicated application procedures, long approval cycle, high labor cost, etc. It is difficult to quickly meet the market's vigorous demand for accounts receivable circulation financing, and the small and scattered financing needs of small and micro enterprises It is even more di...

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Problems solved by technology

[0002] At present, various economic entities, especially private enterprises and small, medium and micro enterprises, have a large amount of accounts receivable. Traditional banking financial institutions, factoring companies and other related fund providers, as well as creditor's rights management service agencies such as accounts receivable creditor's rights management companies, For the application of accounts receivable circulation financing, there are many problems such as complicated application procedures, long approval cycle, high labor cost, etc. It is difficult to quickly meet the market's vigorous demand for accounts receivable circulation financing, and the small and scattered financing needs of small and micro enterprises It is even more difficult to obtain. Therefore, how to efficiently and conveniently handle credit approval for accounts receivable debt financing customers, so as to improve the efficiency of credit approval and lending speed, and reduce financing costs. , slow financing and other issues are of positive significance

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