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Supply chain financial management method and system for reducing default risk

A management method and supply chain technology, applied in the field of supply chain finance, can solve problems such as the inability to assess the credit risk of credit enterprises, the credit risk assessment of enterprises that cannot require credit, and the inability to effectively determine credit requests, so as to reduce the risk of default and improve the Risk assessment results, effectiveness of credit risk reduction

Pending Publication Date: 2022-05-31
北京云成金融信息服务有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0005] In view of this, the present invention proposes a supply chain financial management method and system for reducing the risk of default, aiming to solve the problem that existing financial institutions cannot effectively evaluate the credit risk of enterprises that need credit, and that financial institutions cannot evaluate credit risks. When the credit risk of the enterprise cannot be effectively determined whether to continue to implement the credit request of the enterprise in need of credit

Method used

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  • Supply chain financial management method and system for reducing default risk
  • Supply chain financial management method and system for reducing default risk

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Embodiment Construction

[0051] Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided for more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art. It should be noted that, in the case of no conflict, the embodiments of the present invention and the features in the embodiments can be combined with each other. The present invention will be described in detail below with reference to the accompanying drawings and examples.

[0052] The embodiment of the invention discloses a supply chain financial management method for reducing the risk of default, which is applied in the process ...

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Abstract

The invention relates to the technical field of supply chain finance, and provides a supply chain finance management method and system for reducing the default risk, and the method comprises the steps: obtaining the risk information of an enterprise needing credit when a credit request of the enterprise needing credit is received; obtaining a credit risk value of the enterprise needing credit according to the risk information; and judging whether the credit risk value of the enterprise needing credit is greater than a credit risk threshold, if so, refusing the credit request of the enterprise needing credit, and if not, executing the credit request of the enterprise needing credit. According to the invention, after credit risk assessment is carried out on the credit enterprise according to the risk information of the credit enterprise, whether the credit request of the enterprise continues to be executed is determined, so that the risk assessment result of the enterprise can be improved, the default risk of the enterprise after lending of a financial institution can be reduced, and the credit risk of the financial institution can be reduced.

Description

technical field [0001] The invention relates to the technical field of supply chain finance, in particular to a supply chain finance management method and system for reducing the risk of default. Background technique [0002] Supply chain finance is a bank that manages the capital flow, logistics and information flow of upstream and downstream small and medium-sized enterprises around the core enterprise, and transforms the uncontrollable risk of a single enterprise into the controllable risk of the supply chain enterprise as a whole. Risk control in minimum financial services. [0003] Chinese Patent Publication No. CN112581280A discloses a supply chain financial service management system, including a front end, a supply chain module, a financing management module, an external interface module, a risk control management module, a freezing module, an integral module and a payment module. The supply chain module, financing management module, external interface module, risk c...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 何亘段国强杨立寨王振宇汪进杨琨王凯飞葛大伟李健刘奎阳何立军李辰辉余纪良苏建新
Owner 北京云成金融信息服务有限公司
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