Commercial factoring management method based on consumer financial business

Abstract

The invention discloses a consumer financial service-based commercial factoring management method, which comprises the following steps of: generating a transfer and application offer corresponding to an enterprise user according to account receivable information in a value confirmation book and financing limit information in a factoring contract; obtaining confirmation feedback of the factoring company on the transfer and application offer, and generating an account receivable transfer and factoring financing application confirmation book; according to the account receivable transfer and factoring financing application confirmation book, sending an account receivable transfer notice to the platform user; obtaining confirmation feedback of the platform user corresponding to the account receipt transfer notice, and generating a right confirmation and pledge notice; and obtaining confirmation feedback of the factoring company on the right confirmation and pledge notice, and issuing factoring financing money corresponding to the financing amount to the enterprise user through the bank direct connection port. According to the business factoring management method based on the consumer finance business, the effect of normatively, fairly and efficiently developing the business factoring business based on the consumer finance business is achieved.

Description

Technical field [0001] The present invention relates to the field of Internet application technology, in particular to a commercial factoring management method based on consumer finance business. Background [0002] Commercial factoring refers to the industrial supply chain business in which the creditor of accounts receivable transfers existing or existing accounts receivable to a licensed commercial factoring company, and the factoring company provides it with services such as financial integration, accounts receivable management or collection, and payment guarantee for the debtor of accounts receivable. The purpose of establishing a commercial factoring company is to support the sustainable development of domestic MSMEs, especially in terms of financing. Therefore, under normal circumstances, commercial factoring business is a complete business to the public. [0003] However, the domestic commercial factoring business license does not exclude the factoring business with indi...

AI Technical Summary

Problems solved by technology

And because the technological information giants that build this ecosystem have a large amount of historical transaction data of individual consumers or merchants stored internally, with the help of information asymmetry in the closed business ecosystem, through the establishment of business factoring in the closed ecosystem The main body deprives individual consumers and merchants of the bargaining power of commercial factoring services internally, and forms invisible business barriers to external commercial factoring companies, which to a certain extent destroys the healthy competition that should exist in the commercial factoring industry

[0005] Due to the above reasons, in order to seize the business market, most non-ecological chain commercial factoring companies currently provide financing directly to individual consumers in the form of credit, which is a business behavior that is expressly prohibited by relevant institutions and has serious non-compliance

Moreover, when these commercial factoring companies review various qualifications or certifications, they still stay in the traditional manual review method, which brings relatively high operational risks and low efficiency

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