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Steel trade enterprise financing warehouse financing method based on cloud platform supply chain finance

A cloud platform and supply chain technology, applied in the financing of supply chain finance, can solve problems such as increasing economic costs, and achieve the effects of preventing financing risks, making up for market value losses, and avoiding misoperations

Pending Publication Date: 2021-12-07
福建三钢闽光股份有限公司 +1
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Problems solved by technology

This method makes the pledge of the financing party be managed by a third party, which increases a certain economic cost. The cloud platform involved in the present invention can itself supervise the pledged goods, so this method is not applicable to the present invention

Method used

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  • Steel trade enterprise financing warehouse financing method based on cloud platform supply chain finance

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specific Embodiment

[0039] After the financing enterprise M and the financial institution determine the loan amount, the cloud platform will start to implement real-time supervision and market value monitoring of the pledge after confirming the pledge with an equal price share. The overall process is as follows: figure 1 As shown, the specific steps are as follows:

[0040] S1: Company M registers and pledges 2,000 tons of steel on the cloud platform at the steel price on the day of the loan to lend 10 million to a financial institution. Company M signs an agreement with the platform and provides an agreed deposit amount of 700,000, and completes the credit granting work;

[0041] S2: The cloud platform starts the pledge supervision business, and sets a fixed number of collections k per day to realize the real-time price collection of pledges. Here, k=1 is set, and the daily price of the pledge is Y=5000 yuan / ton; select n=15, θ= 0.5, where n is the number of days and θ is the safety factor;

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Abstract

The invention provides a steel trade enterprise financing warehouse financing method based on cloud platform supply chain finance, and the method comprises the steps: carrying out the monitoring and supervision of the price of steel through a cloud platform, and timely unlocking or locking a steel stock except a detained product; meanwhile, complementing the market value loss of the detained products in a manner of complementing margin and locking residual stock outside the detained products for financing enterprises; and carrying out secondary reminding on the financing enterprise aiming at the condition of insufficiency of the guarantee fund. The method has the beneficial effects that the operation efficiency of the steel trade enterprise can be ensured, and meanwhile, the financing risk is effectively reduced.

Description

technical field [0001] The present invention relates to the financing warehouse financing field of supply chain finance, in particular to a financing warehouse financing method for steel trade enterprises based on cloud platform supply chain finance. Background technique [0002] In the iron and steel industry, many small and medium-sized enterprises often face the problem of capital turnover and bank borrowing difficulties. However, affected by various factors such as information asymmetry, the supply chain transaction costs of financial institutions are relatively high, which makes it difficult for upstream and downstream enterprises in the supply chain to obtain financing, and the cost is relatively high. In addition, in the case of financial lending, banks cannot constantly monitor the use of corporate funds and loans, and cannot effectively monitor companies' illegal behaviors of violating lending rules, changing the purpose of loan funds and making high-risk investment...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 黎立璋陈伯瑜郭凌欢张庆东徐哲壮林烨林敏辉崔冠文蔡东洲
Owner 福建三钢闽光股份有限公司
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