Rong eTong international logistics settlement platform supply chain financial financing service system

Abstract

The invention belongs to the technical field of supply chain finance in international logistics internet service, and particularly relates to a Rong eTong international logistics settlement platform supply chain finance financing service system. According to the system a Ronge-Tong international logistics settlement platform is taken as a core platform and a user enterprise of the platform is taken as a service object. Main body real-name authentication guidance and credit rating are carried out on enterprises meeting financing conditions on the supply chain, and financing services are provided for links such as enterprise purchasing and selling in the supply chain; the service flow of the service system comprises the following five links: enterprise financing qualification judgment, enterprise credit evaluation, credit and agreement signing, financing service opening, financing declaration and payment, and financing repayment. The method has the beneficial effects that the financing business process is simplified, the enterprise financing cost is reduced, the problem of information asymmetry of borrowing and lending parties is effectively solved, the financing risk of small and medium-sized enterprises is greatly reduced, and a new way for solving the financing problem of small, medium-sized and micro-sized enterprises in China is developed.

Description

technical field [0001] The invention belongs to the technical field of supply chain finance in international logistics Internet services, and in particular relates to a supply chain financial financing service system of Rongetong international logistics settlement platform, specifically a one-stop full-closed-loop financing enterprise special project for standardization of international logistics Internet services Multi-party control methods for online fee declaration and authorization approval, service provider lending, special payment, time-limited repayment, etc. Background technique [0002] Under the new situation of increasingly intensified global trade frictions, the capital needs of small, medium and micro enterprises are still in the bottleneck stage of difficult and slow financing. At present, the research on the financing problems of small, medium and micro enterprises in our country is still mainly focused on the development of financial support system, the accel...

AI Technical Summary

Problems solved by technology

[0008] To sum up, at present, the financing difficulties of small, medium and micro enterprises in my country are mainly manifested in: Traditional financial institutions that use banks as lenders conduct static analysis of enterprises on the basis of "good balance sheets", and through isolated evaluation of credit entities Make the final credit decision, the process is cumbersome and inefficient

At the same time, because banks do not really grasp the actual operating conditions of small, medium and micro enterprises, resulting in a high bad debt rate and high financing threshold; therefore, banking institutions alone are not enough to solve the financing difficulties of small, medium and micro enterprises

In addition, there is asymmetry of information between financial institutions and enterprises, which significantly increases the business risk of the supply chain financial market; the existing supply chain finance lacks a sound risk early warning mechanism, and cannot detect and deal with potential expected risk problems in a timely manner; the state Laws and regulations are not very sound in this regard, and cannot provide effective protection for the supply chain financial market; Internet technology is not widely used in the B2B field, and the application of international logistics supply chain financial service products is still in the stage of exploration and development

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