Financing method, device and equipment based on government bid invitation and bid winning data and medium

Abstract

The invention provides a financing method, device and equipment based on government bid invitation and bid winning data and a medium, and the method comprises the steps: obtaining the basic information and bid winning information data of a bid winning enterprise through an administration and acquisition platform interface; carrying out regional division on the bid-winning enterprises, and distributing corresponding regional network points; setting a credit scoring model, after a bid-winning enterprise signs a contract, obtaining record data, performing calculation according to the credit scoring model to obtain a score value, and giving a credit line to the bid-winning enterprise according to the score value; and the final predicted application limit is calculated according to the credit line, the filing amount, the deposit and the payment of the contract, so that the problems of difficulty and high financing of bid-winning suppliers purchased by the government are solved, and entity economy and small and micro enterprises are better served to have sufficient funds.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a financing method, device, equipment and medium based on government bidding winning data. Background Art

[0002] For a long time, the overall rise and rapid development of China's economy has created huge development opportunities for commercial banks. At the same time, in order to promote the vigorous development of various enterprises, banks provide enterprises with a variety of loan services.

[0003] Government projects are usually carried out through bidding, so after companies bid and win the bid, most companies need to apply for loans. At this time, the company needs to go to the bank to apply for a loan on its own after winning the bid, and needs to submit the required information. This leads to delays in loan issuance, greatly reducing the efficiency of the bank. It prevents the bank from better serving the real economy and small and micro enterprises. Moreover, the submitted information is provided by the company, and the bank cannot accurately judge the authenticity of all the information in the information, increasing the bank's risk. Summary of the invention

[0004] The technical problem to be solved by the present invention is to provide a method, device, equipment and medium for financing based on government bidding winning data, so as to alleviate the problem of financing difficulties and high costs for government procurement winning suppliers, better serve the real economy and small and micro enterprises, and enable them to have sufficient funds.

[0005] In a first aspect, the present invention provides a method comprising:

[0006] Step 1: Obtain the basic information of the winning enterprise and the winning bid information data through the government procurement platform interface;

[0007] Step 2: Divide the winning enterprises into regions and assign corresponding regional outlets;

[0008] Step 3: Set up the credit scoring model, specifically:

[0009] If it is a listed company, the credit scoring model is:

[0010] Z1=1.2*X1+1.4*X2+3.3*X3+0.6*X4+0.999*X5; where X1=(current assets-current liabilities) / total assets; X2=retained profits / total assets; X3=(total profits+interest expenses) / total assets; X4=market value of equity / total liabilities; X5=sales revenue / total assets;

[0011] If it is a non-listed company and the company is a manufacturing enterprise, the credit scoring model is:

[0012] Z2=0.717*X1+0.847*X2+3.107*X3+0.420*X6+0.998*X5; where X6=equity / total liabilities;

[0013] If it is a non-listed company and a non-manufacturing enterprise, the credit scoring model is:

[0014] Z3=6.56*X1+3.26*X2+6.72*X7+1.05*X8; where X7=(total profit+depreciation+amortization+interest expense) / total assets; X8=owner's equity / total liabilities;

[0015] Step 4: After the winning bidder signs the contract, obtain the filing data, calculate according to the credit scoring model, obtain the score, and grant the winning bidder a credit line based on the score;

[0016] Step 5. The final estimated application amount is calculated based on the credit line, registered amount, deposit and contract payment. The calculation formula is: estimated loan amount = (registered amount - deposit - contract payment); if the estimated loan amount is less than the credit line, the loan will be disbursed based on the estimated loan amount; if the estimated loan amount is greater than or equal to the credit line, the loan will be disbursed based on the credit line.

[0017] In a second aspect, the present invention provides a device, comprising:

[0018] The data acquisition module obtains the basic information of the winning enterprise and the winning bid information data through the government procurement platform interface;

[0019] Division module divides the winning enterprises into regions and assigns corresponding regional outlets;

[0020] Model building module, setting up the credit scoring model, specifically:

[0021] If it is a listed company, the credit scoring model is:

[0022] Z1=1.2*X1+1.4*X2+3.3*X3+0.6*X4+0.999*X5; where X1=(current assets-current liabilities) / total assets; X2=retained profits / total assets; X3=(total profits+interest expenses) / total assets; X4=market value of equity / total liabilities; X5=sales revenue / total assets;

[0023] If it is a non-listed company and the company is a manufacturing enterprise, the credit scoring model is:

[0024] Z2=0.717*X1+0.847*X2+3.107*X3+0.420*X6+0.998*X5; where X6=equity / total liabilities;

[0025] If it is a non-listed company and a non-manufacturing enterprise, the credit scoring model is:

[0026] Z3=6.56*X1+3.26*X2+6.72*X7+1.05*X8; where X7=(total profit+depreciation+amortization+interest expense) / total assets; X8=owner's equity / total liabilities;

[0027] The pre-credit module obtains the filing data after the winning enterprise signs the contract, calculates the score according to the credit scoring model, obtains the score value, and grants the winning enterprise a credit line based on the score value;

[0028] In the final credit module, the final estimated application amount is calculated based on the credit limit, registered amount, deposit and contract payment. The calculation formula is: estimated loan amount = (registered amount - deposit - contract payment); if the estimated loan amount is less than the credit limit, the loan will be disbursed based on the estimated loan amount; if the estimated loan amount is greater than or equal to the credit limit, the loan will be disbursed based on the credit limit.

[0029] In a third aspect, the present invention provides an electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the method described in the first aspect when executing the program.

[0030] In a fourth aspect, the present invention provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the method described in the first aspect.

[0031] One or more technical solutions provided in the embodiments of the present invention have at least the following technical effects or advantages:

[0032] 1. Alleviate financing problems: Alleviate the financing difficulties and high costs of government procurement winning suppliers, better serve the real economy and small and micro enterprises, and provide them with sufficient funds.

[0033] 2. Improve loan application efficiency: Government Procurement e-loan has increased the loan approval rate, reduced loan risks based on machine learning models, and improved customer experience.

[0034] 3. Improve procurement efficiency: The winning enterprise can avoid financial constraints during the procurement process and purchase the required supplies and materials in a timely manner to ensure production operations and enhance market competitiveness.

[0035] 4. Optimize supply chain management: The use of procurement loans can help customers optimize supply chain management. By obtaining procurement loans, companies can sign large procurement contracts with suppliers, obtain more favorable procurement prices and longer payment terms, and reduce procurement costs.

[0036] 5. Improve enterprise innovation and development: In cooperation with suppliers, the company is given sufficient funds to carry out unique product research and development, and continuously promote the competitiveness and business level of the enterprise.

[0037] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented according to the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] The present invention will be further described below in conjunction with embodiments with reference to the accompanying drawings.

[0039] Figure 1 is a flow chart of the method in Embodiment 1 of the present invention;

[0040] Figure 2 It is a schematic diagram of the structure of the device in the second embodiment of the present invention. DETAILED DESCRIPTION

[0041] The technical solution in the embodiment of the present application has the following general idea:

[0042] 1. Data acquisition: According to the interface of the Internet platform, the transmission method adopts HTTP / HTTPS+POST+JSON message format, and the content is encrypted by SM2 asymmetric encryption during transmission to ensure the security of data. This part transmits the basic information of the customer's enterprise and business conditions, and performs encryption and decryption operations and processing on our bank's external service platform, including blacklisting restrictions on IPs and blocking IPs with malicious access.

[0043] 2. Data division: The initially generated customer data is sent to the government procurement platform through the external connection platform. The platform automatically divides the data into regions based on the enterprise information in the data and automatically allocates them to the corresponding regional outlets. The corresponding account manager is notified to carry out subsequent data collection operations.

[0044] 3. Acquisition of public customer data: Based on the data on public websites, our bank automatically obtains and analyzes the data after the customer's authorization, such as credit investigation data and default data, and uses the credit scoring model to process the data after importing it into the system.

[0045] Credit Scoring Model:

[0046] Listed company score Z1 = 1.2*X1+1.4*X2+3.3*X3+0.6*X4+0.999*X5

[0047] X1 = (current assets - current liabilities) / total assets

[0048] X2=Retained Profits / Total Assets

[0049] X3 = (total profit + interest expense) / total assets

[0050] X4 = Market value of equity / Total liabilities

[0051] X5=Sales Revenue / Total Assets

[0052] Ratings for private companies

[0053] Z2=0.717*X1+0.847*X2+3.107*X3+0.420*X4+0.998*X5

[0054] X1 = (current assets - current liabilities) / total assets

[0055] X2=Retained Profits / Total Assets

[0056] X3 = (total profit + interest expense) total assets

[0057] X4 = Equity / Total Liabilities

[0058] X5=Sales Revenue / Total Assets

[0059] Non-manufacturing enterprise score Z3=6.56*X1+3.26*X2+6.72*X3+1.05*X4

[0060] X1 = (current assets - current liabilities) / total assets

[0061] X2=Retained Profits / Total Assets

[0062] X3 = (total profit + depreciation + amortization + interest expense) / total assets

[0063] X4=Owner's Equity / Total Liabilities

[0064] The score calculated here, for example, if the score is within 50, there will be a corresponding credit line ratio of 20%. 50-60 can increase the credit line ratio to 40%, 60-80 can increase it to 60%, 80-100 can increase it to 80%. Finally, this approved credit line is multiplied by the amount of the signed registered contract to obtain the pre-credit line, complete the preliminary calculation, and send it to the head office.

[0065] 4. Initial data upload: Enterprise data and public data are uploaded to the backend through the API interface, and the backend results are returned to the government for easy record and query by the government;

[0066] 5. Receive contract filing data: After the customer signs a contract with the government, our bank will receive the filing data sent by the government department and obtain the estimated loan amount according to the formula calculation rules provided by the business department; the filing data is the filing contract;

[0067] Estimated loan amount = (recorded amount - deposit - contract payment)

[0068] (Security deposit + contract payment) / recorded amount ≥ 10%, the estimated loan amount will not be deducted;

[0069] (Security deposit + contract payment) / recorded amount < 10%, then the estimated loan application amount will be deducted by 30%;

[0070] 6. Submission of estimated loan amount: Data is sent to the backend to obtain final feedback information. If approved, the backend system will return the loan information to the government after the loan is issued, so that the government can track the status of the loan in the bank in real time, and play the role of recording and updating the status.

[0071] 7. Post-loan information feedback: When the customer makes a repayment or the loan information changes, the loan change information data will be fed back to the government unit.

[0072] Embodiment 1

[0073] like Figure 1 As shown, this embodiment provides a financing method based on government bidding winning data, including:

[0074] Step 1: Obtain the basic information of the winning enterprise and the winning bid information data through the government procurement platform interface;

[0075] Step 2: Divide the winning enterprises into regions and assign corresponding regional outlets;

[0076] Step 3: Set up the credit scoring model, specifically:

[0077] If it is a listed company, the credit scoring model is:

[0078] Z1=1.2*X1+1.4*X2+3.3*X3+0.6*X4+0.999*X5; where X1=(current assets-current liabilities) / total assets; X2=retained profits / total assets; X3=(total profits+interest expenses) / total assets; X4=market value of equity / total liabilities; X5=sales revenue / total assets;

[0079] If it is a non-listed company and the company is a manufacturing enterprise, the credit scoring model is:

[0080] Z2=0.717*X1+0.847*X2+3.107*X3+0.420*X6+0.998*X5; where X6=equity / total liabilities;

[0081] If it is a non-listed company and a non-manufacturing enterprise, the credit scoring model is:

[0082] Z3=6.56*X1+3.26*X2+6.72*X7+1.05*X8; Among them, X7=(total profit+depreciation+amortization+interest expense) / total assets; X8=owner's equity / total liabilities; Through this credit scoring model, each enterprise can be reasonably scored, and the loan amount can be reasonably controlled according to the score, which greatly increases the safety of bank funds;

[0083] Step 4: After the winning bidder signs the contract, obtain the filing data, calculate according to the credit scoring model, obtain the scoring value, and grant the winning bidder a credit line according to the scoring value; when the scoring value is less than or equal to the first threshold, the winning bidder is granted 20% of the credit line; when the scoring value is greater than the first threshold and less than or equal to the second threshold, the winning bidder is granted 40% of the credit line; when the scoring value is greater than the second threshold and less than or equal to the third threshold, the winning bidder is granted 60% of the credit line; when the scoring value is greater than the third threshold and less than or equal to 100, the winning bidder is granted 80% of the credit line;

[0084] Step 5: The final estimated application amount is calculated based on the credit line, the registered amount, the deposit and the contract payment. The calculation formula is: estimated application amount = (registered amount - deposit - contract payment); if the estimated application amount is less than the credit line, the loan will be disbursed according to the estimated application amount; if the estimated application amount is greater than or equal to the credit line, the loan will be disbursed according to the credit line;

[0085] When (security deposit + contract payment) / recorded amount ≥ 10%, the estimated loan amount will not be deducted;

[0086] If (deposit + contract payment) / recorded amount is less than 10%, the estimated loan amount will be reduced by 30%.

[0087] Based on the same inventive concept, the present application also provides a device corresponding to the method in Example 1, see Example 2 for details.

[0088] Embodiment 2

[0089] like Figure 2 As shown, in this embodiment, a financing device based on government bidding winning data is provided, including:

[0090] The data acquisition module obtains the basic information of the winning enterprise and the winning bid information data through the government procurement platform interface;

[0091] Division module divides the winning enterprises into regions and assigns corresponding regional outlets;

[0092] Model building module, setting up the credit scoring model, specifically:

[0093] If it is a listed company, the credit scoring model is:

[0094] Z1=1.2*X1+1.4*X2+3.3*X3+0.6*X4+0.999*X5; where X1=(current assets-current liabilities) / total assets; X2=retained profits / total assets; X3=(total profits+interest expenses) / total assets; X4=market value of equity / total liabilities; X5=sales revenue / total assets;

[0095] If it is a non-listed company and the company is a manufacturing enterprise, the credit scoring model is:

[0096] Z2=0.717*X1+0.847*X2+3.107*X3+0.420*X6+0.998*X5; where X6=equity / total liabilities;

[0097] If it is a non-listed company and a non-manufacturing enterprise, the credit scoring model is:

[0098] Z3=6.56*X1+3.26*X2+6.72*X7+1.05*X8; where X7=(total profit+depreciation+amortization+interest expense) / total assets; X8=owner's equity / total liabilities;

[0099] The pre-credit module obtains the filing data after the winning enterprise signs the contract, calculates according to the credit scoring model, obtains the scoring value, and grants the winning enterprise a credit line according to the scoring value; when the scoring value is less than or equal to the first threshold, the winning enterprise is granted 20% of the credit line; when the scoring value is greater than the first threshold and less than or equal to the second threshold, the winning enterprise is granted 40% of the credit line; when the scoring value is greater than the second threshold and less than or equal to the third threshold, the winning enterprise is granted 60% of the credit line; when the scoring value is greater than the third threshold and less than or equal to 100, the winning enterprise is granted 80% of the credit line;

[0100] In the final credit granting module, the final estimated application amount is calculated based on the credit limit, the registered amount, the deposit and the contract payment. The calculation formula is: estimated application amount = (registered amount - deposit - contract payment); if the estimated application amount is less than the credit limit, the loan will be disbursed based on the estimated application amount; if the estimated application amount is greater than or equal to the credit limit, the loan will be disbursed based on the credit limit;

[0101] When (security deposit + contract payment) / recorded amount ≥ 10%, the estimated loan amount will not be deducted;

[0102] If (deposit + contract payment) / recorded amount is less than 10%, the estimated loan amount will be reduced by 30%.

[0103] Since the device introduced in the second embodiment of the present invention is a device used to implement the method of the first embodiment of the present invention, those skilled in the art can understand the specific structure and deformation of the device based on the method introduced in the first embodiment of the present invention, so it is not described here in detail. All devices used in the method of the first embodiment of the present invention belong to the scope of protection of the present invention.

[0104] Based on the same inventive concept, the present application provides an electronic device embodiment corresponding to the first embodiment, see the third embodiment for details.

[0105] Embodiment 3

[0106] This embodiment provides an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, any implementation method in the first embodiment can be implemented.

[0107] Since the electronic device introduced in this embodiment is a device used to implement the method in the first embodiment of the present application, based on the method introduced in the first embodiment of the present application, a person skilled in the art can understand the specific implementation of the electronic device of the present embodiment and its various variations, so how the electronic device implements the method in the embodiment of the present application is not described in detail here. As long as a person skilled in the art implements the device used by the method in the embodiment of the present application, it belongs to the scope of protection of the present application.

[0108] Based on the same inventive concept, the present application provides a storage medium corresponding to the first embodiment, see the fourth embodiment for details.

[0109] Embodiment 4

[0110] This embodiment provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, any implementation method in the first embodiment can be implemented.

[0111] The technical solutions provided in the embodiments of the present application have at least the following technical effects or advantages: the methods, devices, equipment and media provided in the embodiments of the present application,

[0112] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0113] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0114] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0115] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0116] Although the specific implementation modes of the present invention are described above, those skilled in the art should understand that the specific implementation modes described are only illustrative and are not intended to limit the scope of the present invention. Equivalent modifications and changes made by those skilled in the art in accordance with the spirit of the present invention should be included in the scope of protection of the claims of the present invention.

Claims

1. A financing method based on government bidding winning data, characterized in that: include: Step 1: Obtain the basic information of the winning enterprise and the winning bid information data through the government procurement platform interface; Step 2: Divide the winning enterprises into regions and assign corresponding regional outlets; Step 3: Set up the credit scoring model, specifically: If it is a listed company, the credit scoring model is: Z1=1.2*X1+1.4*X2+3.3*X3+0.6*X4+0.999*X5; where X1=(current assets-current liabilities) / total assets; X2=retained profits / total assets; X3=(total profits+interest expenses) / total assets; X4=market value of equity / total liabilities; X5=sales revenue / total assets; If it is a non-listed company and the company is a manufacturing enterprise, the credit scoring model is: Z2=0.717*X1+0.847*X2+3.107*X3+0.420*X6+0.998*X5; where X6=equity / total liabilities; If it is a non-listed company and a non-manufacturing enterprise, the credit scoring model is: Z3=6.56*X1+3.26*X2+6.72*X7+1.05*X8; where X7=(total profit+depreciation+amortization+interest expense) / total assets; X8=owner's equity / total liabilities; Step 4: After the winning bidder signs the contract, obtain the filing data, calculate according to the credit scoring model, obtain the score, and grant the winning bidder a credit line based on the score; Step 5. The final estimated application amount is calculated based on the credit line, registered amount, deposit and contract payment. The calculation formula is: estimated loan amount = (registered amount - deposit - contract payment); if the estimated loan amount is less than the credit line, the loan will be disbursed based on the estimated loan amount; if the estimated loan amount is greater than or equal to the credit line, the loan will be disbursed based on the credit line.

2. A financing method based on government bidding winning data according to claim 1, characterized in that: The step 4 also includes: when the score value is less than or equal to the first threshold, 20% of the credit line is granted to the winning enterprise; when the score value is greater than the first threshold and less than or equal to the second threshold, 40% of the credit line is granted to the winning enterprise; when the score value is greater than the second threshold and less than or equal to the third threshold, 60% of the credit line is granted to the winning enterprise; when the score value is greater than the third threshold and less than or equal to 100, 80% of the credit line is granted to the winning enterprise.

3. The method of financing based on government bidding winning data according to claim 1, characterized in that: The step 5 also includes: When (security deposit + contract payment) / recorded amount ≥ 10%, the estimated loan amount will not be deducted; If (deposit + contract payment) / recorded amount is less than 10%, the estimated loan amount will be reduced by 30%.

4. A financing device based on government bidding winning data, characterized in that: include: The data acquisition module obtains the basic information of the winning enterprise and the winning bid information data through the government procurement platform interface; Division module divides the winning enterprises into regions and assigns corresponding regional outlets; Model building module, setting up the credit scoring model, specifically: If it is a listed company, the credit scoring model is: Z1=1.2*X1+1.4*X2+3.3*X3+0.6*X4+0.999*X5; where X1=(current assets-current liabilities) / total assets; X2=retained profits / total assets; X3=(total profits+interest expenses) / total assets; X4=market value of equity / total liabilities; X5=sales revenue / total assets; If it is a non-listed company and the company is a manufacturing enterprise, the credit scoring model is: Z2=0.717*X1+0.847*X2+3.107*X3+0.420*X6+0.998*X5; where X6=equity / total liabilities; If it is a non-listed company and a non-manufacturing enterprise, the credit scoring model is: Z3=6.56*X1+3.26*X2+6.72*X7+1.05*X8; where X7=(total profit+depreciation+amortization+interest expense) / total assets; X8=owner's equity / total liabilities; The pre-credit module obtains the filing data after the winning enterprise signs the contract, calculates the score according to the credit scoring model, obtains the score value, and grants the winning enterprise a credit line based on the score value; In the final credit module, the final estimated application amount is calculated based on the credit limit, registered amount, deposit and contract payment. The calculation formula is: estimated loan amount = (registered amount - deposit - contract payment); if the estimated loan amount is less than the credit limit, the loan will be disbursed based on the estimated loan amount; if the estimated loan amount is greater than or equal to the credit limit, the loan will be disbursed based on the credit limit.

5. The device for financing based on government bidding winning data according to claim 4 is characterized in that: The pre-credit module also includes: when the score value is less than or equal to the first threshold, 20% of the credit line is granted to the winning enterprise; when the score value is greater than the first threshold and less than or equal to the second threshold, 40% of the credit line is granted to the winning enterprise; when the score value is greater than the second threshold and less than or equal to the third threshold, 60% of the credit line is granted to the winning enterprise; when the score value is greater than the third threshold and less than or equal to 100, 80% of the credit line is granted to the winning enterprise.

6. The device for financing based on government bidding winning data according to claim 4, characterized in that: The final credit granting module also includes: When (security deposit + contract payment) / recorded amount ≥ 10%, the estimated loan amount will not be deducted; If (deposit + contract payment) / recorded amount is less than 10%, the estimated loan amount will be reduced by 30%.

7. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the method according to any one of claims 1 to 3 is implemented.

8. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 3 is implemented.

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