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Financial fund voucher circulation method and computer equipment

A technology for financial institutions and vouchers, which is applied in the financial field and can solve the problems of capital turnover.

Inactive Publication Date: 2020-10-27
北京思特奇信息技术股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] Most of the enterprises with financing needs are in a weak state in the supply chain, because of advance funds, resulting in insufficient capital turnover

Method used

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  • Financial fund voucher circulation method and computer equipment

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Experimental program
Comparison scheme
Effect test

Embodiment 1

[0033] 1. The financial institution first grants credit to the core enterprise, such as a credit of 1 million

[0034] 2. The core enterprise issues a fund certificate to the first-level counterparty, for example, 1 million

[0035] 3. The first-level counterparty transfers the fund certificate, for example, transfers 1 million fund certificates of 300,000 to the second-level counterparty (one 100,000, one 200,000)

[0036] 4. Among them, 200,000 of the first-level counterparty, if the promised payment date of the fund certificate arrives, then the payment can be made directly

[0037] 5. If the primary counterparty wants to realize the cash before the promised redemption date of the fund certificate, it can initiate a liquidation application to the financial institution

[0038] 6. Financial institutions decide to adopt different strategies according to the liquidation application, which can be to choose their own cooperative bank financing or issue ABS for financing

[003...

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Abstract

The invention provides a financial fund voucher circulation method and computer equipment. The method comprises the steps that a financial institution grants credits to a core enterprise; the core enterprise issues a fund voucher to the first-level transaction opponent; and the first-level transaction opponent splits and transfers the fund voucher, and transfers the split fund voucher to the second-level transaction opponent and the third-level transaction opponent. According to the invention, the problem of difficult financing is solved through asset data and a financing process. Through a credit circulation system capable of circulation, splitting, cashing and re-financing, the problem of high financing cost of a credit system is solved.

Description

technical field [0001] The present invention relates to the field of financial technology, in particular to a financial fund voucher circulation method and computer equipment. Background technique [0002] Most of the enterprises with financing needs are in a weak state in the supply chain link, because of advance funds, resulting in insufficient capital turnover. Therefore, the financier needs a self-service platform for enterprises to help them with financing. Using blockchain technology, the platform and banks will establish a credit transfer system based on corporate entity credit and data credit, which can use electronic credit certificates in advance for payment transfer of business transactions, and support split use and refinancing services. Contents of the invention [0003] Problems existing in the existing technology: most enterprises with financing needs are in a weak state in the supply chain link, because of advance funds, resulting in insufficient capital...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q40/04
CPCG06Q40/04G06Q40/03
Inventor 袁亮
Owner 北京思特奇信息技术股份有限公司
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