Automobile part supply chain financial service system and method

Abstract

The invention provides an automobile part supply chain financial service system and method. The system has the functions of customer management, credit management, business application, risk control management, financial management, a settlement center, post-loan management, account management, exhibition management, statistical report and parameter configuration. The system is in butt joint with an order system, a financial system and a settlement system of an automobile part e-commerce enterprise client, maintains and manages credit granting information of a financing user, initiates and audits a financing application, carries out financial risk control auditing, carries out dynamic management and risk early warning on account receivable, and carries out loaning, collection and return auditing after the risk control system auditing in butt joint with the bank-enterprise direct connection business. According to the invention, the problems of low timeliness, manpower consumption and data asynchronization caused by separation of an e-commerce service order system and a financial system and respective data maintenance are solved, the industry service efficiency can be improved, data channels between related systems can be opened, the daily operation and maintenance cost is reduced, and the service response timeliness is improved.

Description

technical field [0001] The invention relates to the technical field of financial services, in particular to a financial service system and method for an auto parts supply chain. Background technique [0002] At present, there are the following problems in the supply of financial services for auto parts: [0003] The e-commerce business order system is separated from the financial system, and data needs to be maintained separately, resulting in low timeliness, manpower consumption, and out-of-sync data; customer information and credit information management and maintenance costs are high, interaction with e-commerce system information and data is poor, and customer experience is not good; The customer financing withdrawal process is cumbersome, with many materials and low efficiency; the timeliness of risk control review is not good, the review is not standardized, the process is clear, and it is impossible to leave traces throughout the process; there are many paper contract...

AI Technical Summary

Problems solved by technology

[0003] The e-commerce business order system is separated from the financial system, and data needs to be maintained separately, resulting in low timeliness, manpower consumption, and out-of-sync data; customer information and credit information management and maintenance costs are high, interaction with e-commerce system information and data is poor, and customer experience is not good; The customer financing withdrawal process is cumbersome, with many materials and low efficiency; the timeliness of risk control review is not good, the review is not standardized, the process is clear, and it is impossible to leave traces throughout the process; there are many paper contracts, the timeliness for signing is low, and the verification cost is high. The signing process is cumbersome and the operation risk is high; the amount of business data is large, the statistical cost is high, the data storage is scattered and inquired, and the verification is difficult; the manual quota management is not updated in time; the manual financial accounting and settlement are time-consuming, labor-intensive, and error-prone. Poor timeliness; offline loan approval process, many paper documents, low approval efficiency, difficulty in remote approval

When each company has not built an auto parts supply chain financial system and is not directly connected to the core enterprise business system and financial system, it collects, receives, and transmits information through various channels and offline processes, and signs contracts and reviews offline. The financing information relies on manual labor. Verification, offline credit management, financial lending, collection, repayment, bookkeeping, reconciliation, billing, risk control review, etc., are time-consuming, labor-intensive, error-prone, and some business operations leave no trace. Inter-business documents are fragmented, and some paper documents are still used

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