Credit granting management and control method and system for industrial product supply chain transaction upstream suppliers

Abstract

The invention provides a credit management and control method and system for industrial product supply chain transaction upstream suppliers. The method comprises the following steps: pre-configuring credit data elements on a credit processing server; the credit granting admission rules of different financial institutions are pre-configured on the credit granting processing server; according to a credit granting application initiated by a supplier on a credit granting processing server, authorizing an agreement system to capture historical transaction data of the supplier and a core enterprise; according to the credit granting application record and the obtained historical transaction data, a credit granting admission rule is executed, and financial institution information is displayed to a supplier; the supplier selects the financial institution, and the credit granting processing server provides the historical transaction data to the financial institution and evaluates the credit granting line of the supplier; and the financial institution informs the credit line to a credit line processing server, and completes credit line processing of the current supplier in the financial institution. The problem of difficulty in credit evaluation of the financial institution can be solved.

Description

Technical Field

[0001] The present invention relates to the field of credit control technology, and in particular to a credit control method and system for upstream suppliers in industrial product supply chain transactions. Background Art

[0002] In recent years, with the growth of trade activities, the improvement of financing penetration and the promotion of a favorable regulatory environment, China's supply chain finance market has developed rapidly, and has received recognition and support at the national level in solving financing problems for small and micro enterprises and shifting finance from the real economy to the virtual economy.

[0003] The existing invention patent with publication number CN109697667B discloses a method and device for limit control based on a credit model, including obtaining a user's withdrawal transaction request, and determining based on user information that the user's available balance is less than the withdrawal transaction amount, and then judging whether the sum of the user's available balance and the available credit line is greater than the withdrawal transaction amount. If so, after determining that the request time of the withdrawal transaction request does not exceed the expiration date of the user's available credit line, a withdrawal transaction is performed, wherein the user's available credit line and the expiration date of the available credit line are determined based on the user's historical transaction records.

[0004] In the existing technology, for upstream suppliers, there are problems such as insufficient credit of small and medium-sized enterprises, high financing thresholds, high corporate financing costs, poor asset liquidity, complicated financing procedures, and long cycles. For financial institutions, since they cannot obtain real and effective financing business background information, it is difficult to control financing business risks. They urgently hope that core enterprises can provide credit endorsements for small and medium-sized enterprises and push high-quality supplier customers with financing needs to them. Summary of the invention

[0005] In view of the defects in the prior art, the present invention provides a credit management method and system for upstream suppliers in industrial product supply chain transactions.

[0006] According to a credit control method and system for upstream suppliers of industrial product supply chain transactions provided by the present invention, the scheme is as follows:

[0007] In a first aspect, a credit control method for an upstream supplier of an industrial product supply chain transaction is provided, the method comprising:

[0008] Step S1: pre-configure credit factor items on the credit processing server;

[0009] Step S2: pre-configuring the credit access rules of different financial institutions on the credit processing server;

[0010] Step S3: Based on the credit application initiated by the supplier on the credit processing server, the authorization consent system captures the historical transaction data of the supplier and the core enterprise;

[0011] Step S4: According to the credit application record of step S3 and the historical transaction data obtained, the credit access rules of step S2 are executed, and after the credit access requirements of the financial institution are met, the financial institution information is displayed to the supplier;

[0012] Step S5: The supplier selects a financial institution, and the credit processing server provides the historical transaction data to the financial institution, which evaluates the credit line that the supplier can use for the current core enterprise financing business;

[0013] Step S6: The financial institution notifies the credit line to the credit processing server, and the credit processing server completes the credit line processing of the current supplier at the financial institution.

[0014] Preferably, the credit factor items in step S1 include: credit factor name, credit factor code value, condition combination, and the configuration of the supplier rating credit factor is completed through each credit factor item, and the configuration of other credit factors is completed by analogy.

[0015] Preferably, the combination of conditions includes:

[0016] Condition 1: Condition logic relationship: =; Condition parameter value 1: AC; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 60;

[0017] Condition 2: Condition logical relationship: =; Condition parameter value 1: A3; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 70;

[0018] Condition 3: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 80;

[0019] Condition 4: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 100;

[0020] Condition 5: Condition logic relationship: not in; Condition parameter value 1: (AC, A1, A2, A3); Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 0;

[0021] Among them, supplier ratings include qualified AC, general A3, good A2, excellent A1, potential P, and prohibited E;

[0022] Get the credit factor score of each supplier: According to the logical relationship of the conditions, the actual credit factor results are matched with the condition parameters. The conditions in the condition combination are unique, and only one condition can be matched at a time. If they match, the score of the corresponding condition is taken as the credit factor score.

[0023] Preferably, the credit access rules in step S2 include: financial institution code, access threshold, and data element combination;

[0024] Among them, financial institution code: select and configure from the value set, which is the unique identifier of the financial institution;

[0025] Admission threshold: the minimum score configured for the financial institution code, which is the only criterion for whether a financial institution can be selected;

[0026] Data element combination: including data elements, weights; access elements provided by financial institutions corresponding to financial institution codes, the number of which is 1 or more;

[0027] Assign weights to the data elements in the financial channel respectively, satisfying ∑[data element weight] = 100%;

[0028] And calculate the actual score of the supplier according to the formula:

[0029] Actual score = ∑[data element score * weight];

[0030] Supplier credit access is determined based on actual scores and access thresholds.

[0031] Preferably, step S4 includes: setting an access threshold, and when executing the credit access rules, determining whether the supplier's actual score is greater than the financial institution's access threshold. If so, it means that the supplier meets the financial institution's credit access requirements, and saving the financial institution code in the list of financial institutions that can be selected for this credit application.

[0032] Preferably, step S5 also includes: sorting and processing the list of financial institutions, preferably sorting in ascending order according to the annualized financing rate of the financial institutions, and if the annualized rates are the same, sorting in descending order according to the financing period. Finally, a list of financial institutions in order of low annualized rate and long financing period is formed and saved on the credit server, so that suppliers can give priority to the best financial institution.

[0033] In a second aspect, a credit management and control system for upstream suppliers of industrial product supply chain transactions is provided, the system comprising:

[0034] Module M1: pre-configure credit factor items on the credit processing server;

[0035] Module M2: pre-configure the credit access rules of different financial institutions on the credit processing server;

[0036] Module M3: Based on the credit application initiated by the supplier on the credit processing server, the authorization and consent system captures the historical transaction data of the supplier and the core enterprise;

[0037] Module M4: Execute the credit access rules of step S2 according to the credit application records and historical transaction data obtained in module M3, and display the financial institution information to the supplier after meeting the credit access requirements of the financial institution;

[0038] Module M5: The supplier selects a financial institution, and the credit processing server provides historical transaction data to the financial institution, which evaluates the supplier's credit line that can be used for the current core enterprise financing business;

[0039] Module M6: The financial institution notifies the credit line to the credit processing server, and the credit processing server completes the credit line processing of the current supplier in the financial institution.

[0040] Preferably, the credit factor items in the module M1 include: credit factor name, credit factor code value, condition combination, and the configuration of the supplier rating credit factor is completed through each credit factor item, and the configuration of other credit factors is completed by analogy;

[0041] The combination of conditions includes:

[0042] Condition 1: Condition logic relationship: =; Condition parameter value 1: AC; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 60;

[0043] Condition 2: Condition logical relationship: =; Condition parameter value 1: A3; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 70;

[0044] Condition 3: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 80;

[0045] Condition 4: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 100;

[0046] Condition 5: Condition logic relationship: not in; Condition parameter value 1: (AC, A1, A2, A3); Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 0;

[0047] Among them, supplier ratings include qualified AC, general A3, good A2, excellent A1, potential P, and prohibited E;

[0048] Get the credit factor score of each supplier: According to the logical relationship of the conditions, the actual credit factor results are matched with the condition parameters. The conditions in the condition combination are unique, and only one condition can be matched at a time. If they match, the score of the corresponding condition is taken as the credit factor score.

[0049] Preferably, the credit access rules in the module M2 include: financial institution code, access threshold, and data element combination;

[0050] Among them, financial institution code: select and configure from the value set, which is the unique identifier of the financial institution;

[0051] Admission threshold: the minimum score configured for the financial institution code, which is the only criterion for whether a financial institution can be selected;

[0052] Data element combination: including data elements, weights; access elements provided by financial institutions corresponding to financial institution codes, the number of which is 1 or more;

[0053] Assign weights to the data elements in the financial channel respectively, satisfying ∑[data element weight] = 100%;

[0054] And calculate the actual score of the supplier according to the formula:

[0055] Actual score = ∑[data element score * weight];

[0056] Supplier credit access is determined based on actual scores and access thresholds.

[0057] Preferably, the module M4 includes: setting an access threshold, and when executing the credit access rule, determining whether the supplier's actual score is greater than the access threshold of the financial institution, if greater, indicating that the supplier meets the credit access requirements of the financial institution, and saving the financial institution code in the list of financial institutions that can be selected for this credit application;

[0058] The module M5 also includes: sorting and processing of the list of financial institutions, with priority given to sorting in ascending order according to the annualized financing rate of the financial institutions. If the annualized rates are the same, a second sorting is performed in descending order according to the financing period. Finally, a list of financial institutions in order of low annualized rate and long financing period is formed and stored on the credit server, so that suppliers can give priority to selecting the best financial institution.

[0059] Compared with the prior art, the present invention has the following beneficial effects:

[0060] 1. The present invention solves the differentiated credit access requirements of different financial institutions through the configuration of credit access rules. And according to the execution results of the access rules, the financial institutions can select high-quality suppliers that meet their credit access requirements;

[0061] 2. The present invention relies on the real transaction background of suppliers and core enterprises and utilizes the credit endorsement of core enterprises to solve the problem that financial institutions are difficult to assess credit and cannot obtain real and effective financing business background information, thereby reducing the operational risk of the financing system and the bad debt risk of financial institutions;

[0062] 3. The present invention can quickly generate the credit line of suppliers, and assist suppliers to quickly carry out financing business related to core enterprises in financial institutions.

[0063] Other beneficial effects of the present invention will be explained in the specific implementation manner through the introduction of specific technical features and technical solutions. Through the introduction of these technical features and technical solutions, those skilled in the art should be able to understand the beneficial technical effects brought about by the technical features and technical solutions. BRIEF DESCRIPTION OF THE DRAWINGS

[0064] Other features, objects and advantages of the present invention will become more apparent from the detailed description of non-limiting embodiments made with reference to the following drawings:

[0065] Figure 1 It is an overall schematic flow chart of the present invention. DETAILED DESCRIPTION

[0066] The present invention is described in detail below in conjunction with specific embodiments. The following embodiments will help those skilled in the art to further understand the present invention, but are not intended to limit the present invention in any form. It should be noted that, for those of ordinary skill in the art, several changes and improvements can also be made without departing from the concept of the present invention. These all belong to the protection scope of the present invention.

[0067] The embodiment of the present invention provides a credit management method for upstream suppliers of industrial product supply chain transactions, referring to Figure 1 As shown, the method specifically includes:

[0068] Step S1: pre-configure credit factor items on the credit processing server; the credit factor items include: credit factor name, credit factor code value, condition combination, and complete the configuration of supplier rating credit factor through each credit factor item, and complete the configuration of other credit factors by analogy.

[0069] The condition combinations include:

[0070] Condition 1: Condition logic relationship: =; Condition parameter value 1: AC; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 60;

[0071] Condition 2: Condition logical relationship: =; Condition parameter value 1: A3; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 70;

[0072] Condition 3: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 80;

[0073] Condition 4: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 100;

[0074] Condition 5: Condition logic relationship: not in; Condition parameter value 1: (AC, A1, A2, A3); Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 0;

[0075] Among them, supplier ratings include qualified AC, general A3, good A2, excellent A1, potential P, and prohibited E;

[0076] Get the credit factor score of each supplier: According to the logical relationship of the conditions, the actual credit factor results are matched with the condition parameters. The conditions in the condition combination are unique, and only one condition can be matched at a time. If they match, the score of the corresponding condition is taken as the credit factor score.

[0077] Step S2: pre-configure the credit access rules of different financial institutions on the credit processing server. The credit access rules include: financial institution code, access threshold, and data element combination;

[0078] Among them, financial institution code: select and configure from the value set, which is the unique identifier of the financial institution;

[0079] Admission threshold: the minimum score configured for the financial institution code, which is the only criterion for whether a financial institution can be selected;

[0080] Data element combination: including data elements, weights; access elements provided by financial institutions corresponding to financial institution codes, the number of which is 1 or more;

[0081] Assign weights to the data elements in the financial channel respectively, satisfying ∑[data element weight] = 100%;

[0082] And calculate the actual score of the supplier according to the formula:

[0083] Actual score = ∑[data element score * weight];

[0084] Supplier credit access is determined based on actual scores and access thresholds.

[0085] Step S3: Based on the credit application initiated by the supplier on the credit processing server, the authorization consent system captures the historical transaction data of the supplier and the core enterprise;

[0086] Step S4: According to the credit application record of step S3 and the historical transaction data obtained, the credit access rules of step S2 are executed, and after the credit access requirements of the financial institution are met, the financial institution information is displayed to the supplier.

[0087] When setting the access threshold and executing the credit access rules, determine whether the supplier's actual score is greater than the financial institution's access threshold. If so, it means that the supplier meets the financial institution's credit access requirements, and save the financial institution code in the list of financial institutions that can be selected for this credit application.

[0088] Step S5: The supplier selects a financial institution, and the credit processing server provides the historical transaction data to the financial institution, which evaluates the credit line that the supplier can use for the current core enterprise financing business;

[0089] Among them, in this step, the list of financial institutions is sorted and processed, and is first sorted in ascending order according to the annualized financing rate of the financial institutions. If the annualized rates are the same, a second sorting is performed in descending order according to the financing period. Finally, a list of financial institutions in order of low annualized rate and long financing period is formed and saved on the credit server, so that suppliers can give priority to the best financial institutions.

[0090] Step S6: The financial institution notifies the credit line to the credit processing server, and the credit processing server completes the credit line processing of the current supplier at the financial institution.

[0091] The present invention also provides a credit control system for upstream suppliers of industrial product supply chain transactions, which can be implemented by executing the process steps of the credit control method for upstream suppliers of industrial product supply chain transactions, that is, those skilled in the art can understand the credit control method for upstream suppliers of industrial product supply chain transactions as a preferred implementation of the credit control system for upstream suppliers of industrial product supply chain transactions. The system specifically includes:

[0092] Module M1: pre-configure credit factor items on the credit processing server; the credit factor items include: credit factor name, credit factor code value, condition combination, and complete the configuration of supplier rating credit factor through each credit factor item, and complete the configuration of other credit factors by analogy.

[0093] The condition combinations include:

[0094] Condition 1: Condition logic relationship: =; Condition parameter value 1: AC; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 60;

[0095] Condition 2: Condition logical relationship: =; Condition parameter value 1: A3; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 70;

[0096] Condition 3: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 80;

[0097] Condition 4: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 100;

[0098] Condition 5: Condition logic relationship: not in; Condition parameter value 1: (AC, A1, A2, A3); Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 0;

[0099] Among them, supplier ratings include qualified AC, general A3, good A2, excellent A1, potential P, and prohibited E;

[0100] Get the credit factor score of each supplier: According to the logical relationship of the conditions, the actual credit factor results are matched with the condition parameters. The conditions in the condition combination are unique, and only one condition can be matched at a time. If they match, the score of the corresponding condition is taken as the credit factor score.

[0101] Module M2: pre-configure the credit access rules of different financial institutions on the credit processing server. The credit access rules include: financial institution code, access threshold, and data element combination;

[0102] Among them, financial institution code: select and configure from the value set, which is the unique identifier of the financial institution;

[0103] Admission threshold: the minimum score configured for the financial institution code, which is the only criterion for whether a financial institution can be selected;

[0104] Data element combination: including data elements, weights; access elements provided by financial institutions corresponding to financial institution codes, the number of which is 1 or more;

[0105] Assign weights to the data elements in the financial channel respectively, satisfying ∑[data element weight] = 100%;

[0106] And calculate the actual score of the supplier according to the formula:

[0107] Actual score = ∑[data element score * weight];

[0108] Supplier credit access is determined based on actual scores and access thresholds.

[0109] Module M3: Based on the credit application initiated by the supplier on the credit processing server, the authorization and consent system captures the historical transaction data of the supplier and the core enterprise;

[0110] Module M4: Based on the credit application records of module M3 and the historical transaction data obtained, the credit access rules of module M2 are executed. After the credit access requirements of the financial institution are met, the financial institution information is displayed to the supplier.

[0111] When setting the access threshold and executing the credit access rules, determine whether the supplier's actual score is greater than the financial institution's access threshold. If so, it means that the supplier meets the financial institution's credit access requirements, and save the financial institution code in the list of financial institutions that can be selected for this credit application.

[0112] Module M5: The supplier selects a financial institution, and the credit processing server provides historical transaction data to the financial institution, which evaluates the supplier's credit line that can be used for the current core enterprise financing business;

[0113] Among them, in this module, the list of financial institutions is sorted and processed, and the priority is to sort them in ascending order according to the annualized financing rate of the financial institutions. If the annualized rates are the same, the second sorting is done in descending order according to the financing period. Finally, a list of financial institutions in order of low annualized rate and long financing period is formed and saved on the credit server, so that suppliers can give priority to the best financial institutions.

[0114] Module M6: The financial institution notifies the credit line to the credit processing server, and the credit processing server completes the credit line processing of the current supplier in the financial institution.

[0115] Next, the present invention will be described in more detail.

[0116] The present invention provides a credit control method for upstream suppliers of industrial product supply chain transactions. Figure 1 As shown, the specific process is as follows:

[0117] Step 1: Pre-configure the credit factor items on the credit processing server, including the factor name item, the credit factor code value, and the condition combination (condition logic relationship, condition parameter value 1, condition parameter 1 type, condition reference value 2, condition parameter 2 type, score), as shown in Table 1 below.

[0118] Table 1

[0119]

[0120] The step 1 specifically includes:

[0121] The credit factor is a sub-item definition of credit control, including the ability to obtain score configuration when the conditional parameters are met.

[0122] This step can be completed through the system function configuration. Each configuration item can be selected from a preset value set for configuration.

[0123] In system applications, a value set usually refers to a group of predefined values, generally consisting of a code value and description information. These values ​​are used for input into form fields to ensure data standardization and consistency.

[0124] The process is as follows:

[0125] Credit factor name: supplier rating; Credit factor code value: level;

[0126] Condition combination:

[0127] Condition 1: Condition logic relationship: =; Condition parameter value 1: AC; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 60;

[0128] Condition 2: Condition logical relationship: =; Condition parameter value 1: A3; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 70;

[0129] Condition 3: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 80;

[0130] Condition 4: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 100;

[0131] Condition 5: Condition logic relationship: not in; Condition parameter value 1: (AC, A1, A2, A3); Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 0;

[0132] Complete the configuration of the "Supplier Rating" credit element.

[0133] The configuration of other credit elements can be completed in the same way.

[0134] Among them, supplier ratings include qualified (AC), general (A3), good (A2), excellent (A1), potential (P), and prohibited (E).

[0135] Credit factor score calculation formula: According to the "conditional logical relationship", the actual credit factor results are matched with the condition parameters. The conditions in the condition combination are unique, and only one condition in the combination must be matched each time. If a match is found, the score of the corresponding condition is taken as the credit factor score.

[0136] Step 2: Pre-configure the credit access rules of different financial institutions on the credit processing server, including: financial institution code, access threshold, data element combination (data elements pre-configured from step 1, weights), see Table 2 below for an example.

[0137] Table 2

[0138]

[0139]

[0140] Financial institution code: can be selected and configured from a value set, and is a unique identifier for a financial institution; Access threshold: the minimum score configured for the financial institution code, which is the only criterion for whether a financial institution can be selected; Data elements: access elements provided by the financial institution corresponding to the financial institution code, the number can be 1 or more.

[0141] The step 2 specifically includes:

[0142] Calculation formula: ∑[data element score * weight], where the data elements in the financial channel are assigned certain weights respectively, but ∑[data element weight] = 100%.

[0143] The actual score of the supplier is calculated according to the formula. If the actual score is higher than the entry threshold, it means that the supplier meets the credit entry requirements of the financial institution. Otherwise, it does not meet the requirements.

[0144] Step 3: The supplier initiates a credit application on the credit processing server and authorizes the system to capture the processed historical transaction data of the supplier and the core enterprise. The historical transaction data is the data result corresponding to the credit elements in step 1, such as the supplier's latest rating, the earliest transaction time, the payment amount in the past year, and the total order amount in the past two years.

[0145] Supplier Rating: Get the latest rating of the supplier as the supplier rating;

[0146] Earliest transaction time: Get all completed order information of the supplier, sort them in ascending order by transaction time, and take the transaction time in the first data;

[0147] Payment amount in the past year: Get the payment amount summary of all completed orders from suppliers in the past year (12 months forward from last month);

[0148] Total order amount in the past two years: Get the order amount summary of all valid orders from the supplier in the past two years (24 months ago starting from the last month).

[0149] The frequency of data processing is daily, and the data is processed according to the above processing method every day in order to obtain the latest processing data.

[0150] Step 4: Based on the credit application record in step 3 and the historical transaction data obtained, execute the credit access rules in step 2. If the result of step 2 is greater than the access threshold of the financial institution, it means that the supplier meets the credit access requirements of the financial institution. The financial institution code is saved in the list of financial institutions that can be selected for this credit application.

[0151] Step 5: The list of financial institutions is sorted and processed, with priority given to sorting in ascending order according to the annualized financing rate of the financial institutions. If the annualized rates are the same, a second sort is made in descending order according to the financing period. The final list of financial institutions in order of low annualized rate and long financing period is stored on the credit server, so that customers can give priority to the best financial institutions.

[0152] Step 6: The supplier selects the financial institution code from the list of financial institutions in step 5, and the credit processing server provides the financial institution with the historical transaction data in step 3. The financial institution executes its own credit model to evaluate the supplier's credit limit for the core enterprise financing business.

[0153] Step 7: The financial institution notifies the credit line to the credit processing server, and the credit processing server completes the credit line processing of the supplier at the financial institution.

[0154] The embodiment of the present invention provides a credit control method and system for upstream suppliers of industrial product supply chain transactions, which realizes the business linkage between core enterprises and financial institutions and reduces the operational risks of supply chain financing business. On the one hand, the credit access requirements of different financial institutions for suppliers are used to screen high-quality small and medium-sized enterprise resources for financial institutions in advance. On the other hand, the financial institutions are provided with authentic transaction data with core enterprises to enhance the credit of small and medium-sized enterprises and lower the financing threshold.

[0155] Those skilled in the art know that, in addition to realizing the system and its various devices, modules, and units provided by the present invention in a purely computer-readable program code, the system and its various devices, modules, and units provided by the present invention can be completely realized in the form of logic gates, switches, application-specific integrated circuits, programmable logic controllers, and embedded microcontrollers by logically programming the method steps to realize the same functions. Therefore, the system and its various devices, modules, and units provided by the present invention can be considered as a hardware component, and the devices, modules, and units included therein for realizing various functions can also be regarded as structures within the hardware component; the devices, modules, and units for realizing various functions can also be regarded as both software modules for realizing the method and structures within the hardware component.

[0156] The above describes the specific embodiments of the present invention. It should be understood that the present invention is not limited to the above specific embodiments, and those skilled in the art can make various changes or modifications within the scope of the claims, which does not affect the essence of the present invention. In the absence of conflict, the embodiments of the present application and the features in the embodiments can be combined with each other arbitrarily.

Claims

1. A credit control method for upstream suppliers in industrial product supply chain transactions, characterized in that: include: Step S1: pre-configure credit factor items on the credit processing server; Step S2: pre-configuring the credit access rules of different financial institutions on the credit processing server; Step S3: Based on the credit application initiated by the supplier on the credit processing server, the authorization consent system captures the historical transaction data of the supplier and the core enterprise; Step S4: According to the credit application record of step S3 and the historical transaction data obtained, the credit access rules of step S2 are executed, and after the credit access requirements of the financial institution are met, the financial institution information is displayed to the supplier; Step S5: The supplier selects a financial institution, and the credit processing server provides the historical transaction data to the financial institution, which evaluates the credit line that the supplier can use for the current core enterprise financing business; Step S6: The financial institution notifies the credit line to the credit processing server, and the credit processing server completes the credit line processing of the current supplier at the financial institution.

2. The credit control method for upstream suppliers of industrial product supply chain transactions according to claim 1 is characterized in that: The credit factor items in step S1 include: credit factor name, credit factor code value, and condition combination. The configuration of the supplier rating credit factor is completed through each credit factor item, and the configuration of other credit factors is completed by analogy.

3. The credit control method for upstream suppliers of industrial product supply chain transactions according to claim 2 is characterized in that: The combination of conditions includes: Condition 1: Condition logic relationship: =; Condition parameter value 1: AC; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 60; Condition 2: Condition logical relationship: =; Condition parameter value 1: A3; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 70; Condition 3: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 80; Condition 4: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 100; Condition 5: Condition logic relationship: not in; Condition parameter value 1: (AC, A1, A2, A3); Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 0; Among them, supplier ratings include qualified AC, general A3, good A2, excellent A1, potential P, and prohibited E; Get the credit factor score of each supplier: According to the logical relationship of the conditions, the actual credit factor results are matched with the condition parameters. The conditions in the condition combination are unique, and only one condition can be matched at a time. If they match, the score of the corresponding condition is taken as the credit factor score.

4. The credit control method for upstream suppliers of industrial product supply chain transactions according to claim 1 is characterized in that: The credit access rules in step S2 include: financial institution code, access threshold, and data element combination; Among them, financial institution code: select and configure from the value set, which is the unique identifier of the financial institution; Admission threshold: the minimum score configured for the financial institution code, which is the only criterion for whether a financial institution can be selected; Data element combination: including data elements, weights; access elements provided by financial institutions corresponding to financial institution codes, the number of which is 1 or more; Assign weights to the data elements in the financial channel respectively, satisfying ∑[data element weight] = 100%; And calculate the actual score of the supplier according to the formula: Actual score = ∑[data element score * weight]; Supplier credit access is determined based on actual scores and access thresholds.

5. The credit control method for upstream suppliers of industrial product supply chain transactions according to claim 4 is characterized in that: The step S4 includes: setting an access threshold, and when executing the credit access rules, determining whether the supplier's actual score is greater than the financial institution's access threshold. If so, it means that the supplier meets the financial institution's credit access requirements, and saving the financial institution code in the list of financial institutions that can be selected for this credit application.

6. The credit control method for upstream suppliers of industrial product supply chain transactions according to claim 5 is characterized in that: The step S5 also includes: sorting and processing the list of financial institutions, preferably sorting in ascending order according to the annualized financing rate of the financial institutions, and if the annualized rates are the same, sorting in descending order according to the financing period. Finally, a list of financial institutions in order of low annualized rate and long financing period is formed and saved on the credit server, so that suppliers can give priority to the best financial institutions.

7. A credit management and control system for upstream suppliers of industrial product supply chain transactions, characterized in that: include: Module M1: pre-configure credit factor items on the credit processing server; Module M2: pre-configure the credit access rules of different financial institutions on the credit processing server; Module M3: Based on the credit application initiated by the supplier on the credit processing server, the authorization and consent system captures the historical transaction data of the supplier and the core enterprise; Module M4: Execute the credit access rules of step S2 according to the credit application records and historical transaction data obtained in module M3, and display the financial institution information to the supplier after meeting the credit access requirements of the financial institution; Module M5: The supplier selects a financial institution, and the credit processing server provides historical transaction data to the financial institution, which evaluates the supplier's credit line that can be used for the current core enterprise financing business; Module M6: The financial institution notifies the credit line to the credit processing server, and the credit processing server completes the credit line processing of the current supplier in the financial institution.

8. The credit control system for upstream suppliers of industrial product supply chain transactions according to claim 7 is characterized in that: The credit factor items in the module M1 include: credit factor name, credit factor code value, condition combination, and the configuration of the supplier rating credit factor is completed through each credit factor item, and the configuration of other credit factors is completed by analogy; The combination of conditions includes: Condition 1: Condition logic relationship: =; Condition parameter value 1: AC; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 60; Condition 2: Condition logical relationship: =; Condition parameter value 1: A3; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 70; Condition 3: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 80; Condition 4: Condition logical relationship: =; Condition parameter value 1: A2; Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 100; Condition 5: Condition logic relationship: not in; Condition parameter value 1: (AC, A1, A2, A3); Condition parameter 1 type: character; Condition reference value 2: none, Condition parameter 2 type: none; Score: 0; Among them, supplier ratings include qualified AC, general A3, good A2, excellent A1, potential P, and prohibited E; Get the credit factor score of each supplier: According to the logical relationship of the conditions, the actual credit factor results are matched with the condition parameters. The conditions in the condition combination are unique, and only one condition can be matched at a time. If they match, the score of the corresponding condition is taken as the credit factor score.

9. The credit management and control system for upstream suppliers of industrial product supply chain transactions according to claim 7 is characterized in that: The credit access rules in the module M2 include: financial institution code, access threshold, and data element combination; Among them, financial institution code: select and configure from the value set, which is the unique identifier of the financial institution; Admission threshold: the minimum score configured for the financial institution code, which is the only criterion for whether a financial institution can be selected; Data element combination: including data elements, weights; access elements provided by financial institutions corresponding to financial institution codes, the number of which is 1 or more; Assign weights to the data elements in the financial channel respectively, satisfying ∑[data element weight] = 100%; And calculate the actual score of the supplier according to the formula: Actual score = ∑[data element score * weight]; Supplier credit access is determined based on actual scores and access thresholds.

10. The credit control system for upstream suppliers of industrial product supply chain transactions according to claim 9 is characterized in that: The module M4 includes: setting an access threshold, and when executing the credit access rules, determining whether the supplier's actual score is greater than the access threshold of the financial institution, if so, it means that the supplier meets the credit access requirements of the financial institution, and saving the financial institution code in the list of financial institutions that can be selected for this credit application; The module M5 also includes: sorting and processing of the list of financial institutions, with priority given to sorting in ascending order according to the annualized financing rate of the financial institutions. If the annualized rates are the same, a second sorting is performed in descending order according to the financing period. Finally, a list of financial institutions in order of low annualized rate and long financing period is formed and stored on the credit server, so that suppliers can give priority to selecting the best financial institution.

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