Dynamic property financing intelligent management system based on dynamic pledge pool

Abstract

The invention relates to the technical field of supply chain finance, in particular to a dynamic pledge pool-based movable property financing intelligent management system, which comprises a storage end, a dynamic pledge pool and a bank end. A financing channel for reducing a financing program is provided for the user side by establishing a three-party mode of the storage side, the dynamic pledge pool and the bank side, the user side stores goods into the storage side, the dynamic pledge pool calculates the value and then synchronizes the value to the bank side, and the bank side loses money to the user side after financing, so that the financing efficiency is improved. The dynamic pledge pool can compare the financing amount of the user side with the value of the goods and calculate the amount of the flowable goods at the user side, the user side can output the flowable goods at any time, the pressure of the user side is reduced, and through the synergistic effect of all the modules, the management efficiency is improved, the safety is enhanced, and the financing convenience is improved. Moreover, the accuracy of value evaluation is ensured, and an efficient, safe and convenient solution is provided for the movable property financing business.

Description

Technical Field

[0001] The present invention relates to the technical field of supply chain finance, and in particular to an intelligent management system for movable property financing based on a dynamic pledge pool. Background Art

[0002] In today's business environment, enterprises, especially small and medium-sized enterprises, often face the problem of capital turnover during operation. Traditional financing methods often rely on fixed asset mortgages. However, many enterprises, especially trading and production enterprises, have more current assets, such as inventory, raw materials, etc. With the development of supply chain finance, movable property pledge financing has gradually emerged as an innovative financing model. However, in actual operation, movable property pledge financing faces many challenges.

[0003] First, in the warehousing stage, the traditional warehousing management method is inefficient and it is difficult to accurately and in real time grasp the goods inbound, outbound and inventory status, which easily leads to information asymmetry and management chaos;

[0004] Secondly, in terms of collateral value assessment, due to frequent market fluctuations, traditional static assessment methods cannot reflect changes in collateral value in a timely manner, increasing the risks of financial institutions;

[0005] Furthermore, the approval and supervision procedures in the financing process are complicated and lack intelligent means, resulting in long financing cycles and high costs, which cannot meet the needs of enterprises to quickly obtain funds. Therefore, in response to the above problems, an intelligent management system for movable property financing based on a dynamic pledge pool is proposed. Summary of the invention

[0006] The purpose of the present invention is to provide an intelligent management system for movable property financing based on a dynamic pledge pool to solve the problems raised in the above-mentioned background technology.

[0007] To achieve the above object, the present invention provides the following technical solutions:

[0008] An intelligent management system for movable property financing based on a dynamic pledge pool, comprising:

[0009] Warehousing end: The warehousing end includes logistics customer management module, goods warehousing management module, warehouse supervision module and outbound verification module;

[0010] The logistics merchant management module aggregates and registers the enterprise information provided by the user end and establishes a supervision account corresponding to each user end;

[0011] The goods incoming management module divides the storage space into warehouse areas and warehouse locations, receives the goods incoming orders issued by the user end, allocates the storage space according to the attributes of the goods incoming orders, and then stacks the incoming goods in the corresponding storage space to form a goods pile, registers them according to the warehouse areas and warehouse locations, generates a goods incoming list, and issues an electronic warehouse receipt, and simultaneously marks the corresponding supervision account for the goods in the storage space;

[0012] The warehouse monitoring module regularly inspects the storage space through LiDAR cameras and monitors incoming goods online;

[0013] After receiving the goods withdrawal application from the user, the outbound verification module makes a pick-up decision. If the pick-up decision is that the goods can be picked up, the outbound process begins;

[0014] Dynamic pledge pool: The dynamic pledge pool establishes data communication with the warehousing end and the bank end. The dynamic pledge pool includes a user account module, a mobile goods calculation module, an incoming goods value assessment module, and an early warning management module.

[0015] The user account module synchronizes the supervision account of the logistics merchant management module, establishes the account data of the user supply chain finance configuration based on the supervision account, and determines the inventory list of goods corresponding to each account data;

[0016] The mobile goods calculation module regularly obtains all the data of the goods supervised by the warehouse end, calculates the total quantity of the user's goods, calculates the difference between the total market value of the goods and the financing data, and calculates the types and quantities of goods that the user end can withdraw from the warehouse end and the amount of financing available at the bank end based on the difference;

[0017] The incoming goods value assessment module captures the prices on the public market price website, takes the website market price as the base price, and configures the base price mapping and price adjustment rules according to the commodity category, name, specification, material, origin, region, and weight of the specific material. The regional price adjustment rule uses the transportation cost of the commodity between the origin and the sales area as the upward price; the incoming goods are matched with the market prices of different regions according to the two dimensions of the warehouse where the goods are stored and the name of the goods, and the market prices of all incoming goods are calculated to obtain the total market value of the goods in the dynamic pledge pool;

[0018] The bank side includes a financing application and approval module and a post-loan management module;

[0019] After receiving the supervision account of the user, the financing application and approval module associates and binds the financing account of the bank on the user side with the supervision account, and calculates the loan approval amount according to the bank-side financing amount provided by the mobile goods calculation module. After the user submits the financing application, the financing application and approval module reviews the amount according to the financing application submitted by the user, and after determining the loan term, enters the loan release process, and at the same time, generates financing data and sends it to the mobile goods calculation module;

[0020] The post-loan management module is used to monitor whether the user repays the loan within the loan period.

[0021] As a preferred solution, when the goods warehousing management module divides the storage space into storage areas and locations, a storage model is constructed for the storage space at the warehouse end, the storage model is divided into storage intervals according to the distribution of the storage space, the spatial volume of each storage interval is calculated, and the storage area and location marks are marked for each storage interval in sequence. The storage area and location marks are synchronized to each storage interval of the storage model to obtain a completed partitioned storage model.

[0022] As a preferred solution, when allocating storage space for goods incoming orders, the individual volume and quantity of the incoming goods are determined, the stacking volume of the incoming goods is calculated based on the individual volume and quantity of the incoming goods, the free storage space in the storage model is retrieved, and the storage space that matches the stacking volume of the incoming goods is retrieved based on the spatial volume of the storage space to complete the allocation of storage space for the incoming goods. After completing the shelf registration, the shelf registration is synchronously marked on the storage space corresponding to the storage model to obtain a storage model that reflects the storage situation.

[0023] As a preferred solution, when the warehouse supervision module conducts online supervision of incoming goods, it regularly inspects the storage space through a lidar camera, collects scanning data of the cargo piles in each storage area, and builds a three-dimensional model of the cargo piles in each storage area based on the scanning data. When the three-dimensional model changes without an outbound record, alarm data is generated and sent to the management department at the warehouse end.

[0024] As a preferred solution, when constructing a three-dimensional model of the cargo pile in each storage area based on the scanning data, a lidar camera is used to scan the cargo pile in each storage area. During the scanning process, the lidar camera emits laser pulses and receives the reflected signals, records the distance, angle and intensity of each point, and obtains the original point cloud data of the cargo pile; the collected original point cloud data is preprocessed, including removing noise points, outliers and invalid data, and the preprocessed original point cloud data is aligned to generate a complete point cloud model. Then, a surface reconstruction algorithm is used to construct the surface of the three-dimensional model, and the three-dimensional model is smoothed, holes are repaired, and the model is simplified to obtain a three-dimensional model for each cargo pile.

[0025] As a preferred solution, after the cargo warehousing management module completes the cargo warehousing operation or the cargo outbound verification module completes the cargo outbound process operation, the warehouse supervision module immediately inspects the storage space through a lidar camera and reconstructs the three-dimensional model of the changed cargo pile to replace the original three-dimensional model of the cargo pile.

[0026] As a preferred solution, when making a pick-up decision, the outbound verification module requests data exchange with the dynamic pledge pool to determine the types of goods covered by the dynamic pledge pool and the quantities of the corresponding types. When the total market value of the remaining types of circulating goods and the quantities of the corresponding types after the batch of goods is shipped out of the warehouse can cover the customer's outstanding balance, it is determined that the goods can be picked up and the goods outbound process begins.

[0027] As a preferred solution, when evaluating the total market value of the goods in the dynamic pledge pool, the incoming goods value assessment module obtains the third-party fair market price website prices recognized by customers and banks on a daily basis according to the price update time of different websites. Based on the regular goods prices on the website and referring to the ex-factory price rules and sales pricing rules of steel mills in various places, the module automatically defines the SKU according to the different specifications, materials, regions, grades, and weights in the commodity attributes, and adjusts the price based on the website's benchmark commodity price; and conducts data analysis based on the transportation distance and transportation cost between the warehouse location and the commodity attribute area of ​​the website's commodity market price, adjusts the commodity market price, and increases the price of the transportation cost part; the incoming goods are matched with different commodity attributes according to different commodity categories, and the market price of the incoming goods is calculated to obtain the total market value of the goods in the dynamic pledge pool.

[0028] As a preferred solution, the post-loan management module generates abnormal data when supervising whether the user end repays the loan within the loan period. If the user end fails to repay the loan on time, it will manage the user end's goods ownership proof materials, including upstream contracts, warehouse weighing bills, upstream and downstream invoice information, to verify that the ownership of the goods is actually controllable; through offline warehouse inventory, online bank and warehousing reconciliation, post-loan goods inspection and warehouse supervision spot checks are carried out.

[0029] It can be seen from the technical solution provided by the present invention that the present invention provides a movable property financing intelligent management system based on a dynamic pledge pool, which has the following beneficial effects: by establishing a three-party model using a warehousing end, a dynamic pledge pool and a bank end, a financing channel is provided for the user end to reduce the financing procedure. The user end deposits goods into the warehousing end, and the dynamic pledge pool calculates the value and synchronizes the value to the bank end. The bank end lends money to the user end after financing. The dynamic pledge pool can compare the amount of financing from the user end with the value of the goods, calculate the amount of movable goods on the user end, and the user end can ship the movable goods out of the warehouse at any time, thereby reducing the pressure on the user end.

[0030] The warehouse regularly inspects the storage space through LiDAR cameras and builds a three-dimensional model of the cargo pile, which can detect abnormal changes in the cargo in a timely manner. This effectively prevents the theft, damage, or unauthorized movement of the cargo, and ensures the safety of the cargo.

[0031] The user account module of the dynamic pledge pool synchronizes the supervision account and establishes account data, providing users with convenient supply chain financial configuration services and facilitating users' financing operations; the mobile goods calculation module can accurately calculate the total quantity of the user's goods, the difference between the total market value and the financing data, as well as the types and quantities of goods that can be withdrawn, and the amount of financing available on the bank side, providing users and banks with a clear basis for financing and improving the convenience and accuracy of financing. BRIEF DESCRIPTION OF THE DRAWINGS

[0032] Figure 1 This is a schematic diagram of the overall structure of an intelligent management system for movable property financing based on a dynamic pledge pool according to the present invention. DETAILED DESCRIPTION

[0033] In order to make the purpose, technical solution and advantages of the present invention more clearly understood, the present invention is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention.

[0034] In order to better understand the above technical solution, the above technical solution will be described in detail below in conjunction with the accompanying drawings and specific implementation methods.

[0035] like Figure 1 As shown, an embodiment of the present invention provides a movable property financing intelligent management system based on a dynamic pledge pool, including a storage end and a dynamic pledge pool;

[0036] In this embodiment, the warehousing end includes a logistics merchant management module, a goods warehousing management module, a warehouse supervision module and a goods outbound verification module;

[0037] The logistics merchant management module aggregates and registers the enterprise information provided by the user end and establishes a supervision account corresponding to each user end;

[0038] The goods incoming management module divides the storage space into warehouse areas and warehouse locations, receives the goods incoming orders issued by the user end, allocates the storage space according to the attributes of the goods incoming orders, and then stacks the incoming goods in the corresponding storage space to form a goods pile, registers them according to the warehouse areas and warehouse locations, generates a goods incoming list, and issues an electronic warehouse receipt, and simultaneously marks the corresponding supervision account for the goods in the storage space;

[0039] Among them, when the goods warehousing management module divides the storage space into storage areas and locations, it constructs a storage model for the storage space at the warehouse end, divides the storage model into storage intervals according to the distribution of the storage space, calculates the space volume of each storage interval, marks the storage area and location of each storage interval in sequence, and synchronizes the storage area and location marks to each storage interval of the storage model to obtain a partitioned storage model;

[0040] Furthermore, when allocating storage space for incoming goods orders, the individual volume and quantity of incoming goods are determined, the stacking volume of incoming goods is calculated based on the individual volume and quantity of incoming goods, and the free storage space in the storage model is retrieved. Based on the spatial volume of the storage space, the storage space matching the stacking volume of the incoming goods is retrieved to complete the allocation of storage space for the incoming goods. After the shelf registration is completed, the shelf registration is synchronously marked on the storage space corresponding to the storage model, and a storage model reflecting the storage situation is obtained;

[0041] The warehouse monitoring module regularly inspects the storage space through LiDAR cameras and monitors incoming goods online;

[0042] Among them, when the warehouse supervision module conducts online supervision of incoming goods, it regularly inspects the storage space through a laser radar camera, collects scan data of the goods pile in each storage area, and builds a three-dimensional model of the goods pile in each storage area based on the scan data. When the three-dimensional model changes without a warehouse outbound record, it generates alarm data and sends the alarm data to the management department at the warehouse end;

[0043] Furthermore, when constructing a three-dimensional model of the cargo pile in each storage area based on the scanned data, a laser radar camera is used to scan the cargo pile in each storage area. During the scanning process, the laser radar camera emits laser pulses and receives reflected signals, records the distance, angle and intensity of each point, and obtains the original point cloud data of the cargo pile; the collected original point cloud data is preprocessed, including removing noise points, outliers and invalid data, and registering the preprocessed original point cloud data to generate a complete point cloud model. Then, a surface reconstruction algorithm is used to construct the surface of the three-dimensional model, and the three-dimensional model is smoothed, holes are repaired, and the model is simplified to obtain a three-dimensional model for each cargo pile;

[0044] Furthermore, after the cargo inbound management module completes the cargo inbound operation or the cargo outbound verification module completes the cargo outbound process operation, the warehouse supervision module immediately inspects the storage space through the laser radar camera and reconstructs the three-dimensional model of the cargo pile after the change to replace the original three-dimensional model of the cargo pile;

[0045] After receiving the goods withdrawal application from the user, the outbound verification module makes a pick-up decision. If the pick-up decision is that the goods can be picked up, the outbound process begins;

[0046] Among them, when making a pick-up decision, the outbound verification module requests data exchange with the dynamic pledge pool to determine the types of goods covered by the dynamic pledge pool and the corresponding quantities of these types. When the total market value of the remaining types of circulating goods and the corresponding quantities of these types after the batch of goods is shipped out can cover the customer's outstanding balance, it is determined that the goods can be picked up and enter the goods outbound process;

[0047] In this embodiment, the dynamic pledge pool establishes data communication with the storage end and the bank end. The dynamic pledge pool includes a user account module, a mobile goods calculation module, an incoming goods value assessment module, and an early warning management module;

[0048] The user account module synchronizes the supervision account of the logistics merchant management module, establishes the account data of the user supply chain finance configuration based on the supervision account, and determines the inventory list of goods corresponding to each account data;

[0049] The mobile goods calculation module regularly obtains all the data of the goods supervised by the warehouse end, calculates the total quantity of the user's goods, calculates the difference between the total market value of the goods and the financing data, and calculates the types and quantities of goods that the user end can withdraw from the warehouse end and the amount of financing available at the bank end based on the difference;

[0050] The mobile goods calculation module regularly obtains all the data of the goods supervised by the warehouse end, and mainly performs the following calculations:

[0051] Calculate the total quantity of user goods: obtain the quantity information of goods through data exchange with the warehouse end, comprehensively consider the goods situation in different warehouse areas, and accurately calculate the total quantity of user goods;

[0052] Calculate the difference between the total market value of the goods and the financing data: On the one hand, obtain the total market value of the goods in the dynamic pledge pool from the incoming goods value assessment module; on the other hand, combine the financing data generated by the financing application and approval module; by comparing the two, calculate the difference and provide basic data for subsequent calculations;

[0053] Calculate the types and quantities of goods that the user can withdraw from the warehouse and the amount of financing available at the bank based on the difference: Based on the difference, combined with factors such as the types and quantities of goods covered by the dynamic pledge pool and market value fluctuations, accurately calculate the types and quantities of goods that the user can withdraw from the warehouse; at the same time, determine the amount of financing available at the bank based on the difference and related risk assessments and bank policies, providing important reference data for the bank's financing approval and post-loan management;

[0054] The incoming goods value assessment module captures the prices on the public market price website, takes the website market price as the base price, and configures the base price mapping and price adjustment rules according to the commodity category, name, specification, material, origin, region, and weight of the specific material. The regional price adjustment rule uses the transportation cost of the commodity between the origin and the sales area as the upward price; the incoming goods are matched with the market prices of different regions according to the two dimensions of the warehouse where the goods are stored and the name of the goods, and the market prices of all incoming goods are calculated to obtain the total market value of the goods in the dynamic pledge pool;

[0055] Furthermore, when the incoming goods value assessment module assesses the total market value of the goods in the dynamic pledge pool, it obtains the third-party fair market price website prices recognized by customers and banks on a regular basis according to the price update time of different websites every day, based on the regular goods prices on the website, and referring to the factory price rules and sales pricing rules of steel mills in various places, it automatically defines the SKU according to the different specifications, materials, regions, grades, and weights in the commodity attributes, and adjusts the price based on the website's benchmark commodity price; and conducts data analysis based on the transportation distance and transportation cost between the warehouse location and the commodity attribute area of ​​the website commodity market price, raises the commodity market price, and increases the price of the transportation cost part; the incoming goods are matched with different commodity attributes according to different commodity categories, and the market price of the incoming goods is calculated to obtain the total market value of the goods in the dynamic pledge pool;

[0056] For example:

[0057] Assume that a company stores a batch of steel products in a warehouse for movable asset financing; the commodity category of this batch of steel products is construction steel, the product name is rebar, the specification is 20 mm in diameter, the material is HRB400, the place of origin is A, and the storage warehouse is located in B;

[0058] First, the inbound goods value assessment module fetches the benchmark price of rebar from the public market price website; for example, on the national steel price website, the benchmark price of rebar with a diameter of 20 mm and a material of HRB400 is RMB 4,000 per ton;

[0059] Next, according to the regional price adjustment rules, there is a certain transportation cost between the production site A and the storage site B; assuming the transportation cost is 200 yuan per ton, then according to the price adjustment rules, the price of this batch of steel in site B will be increased by 200 yuan on the basis of the base price, becoming 4,200 yuan per ton;

[0060] At the same time, the inbound goods value assessment module will obtain the third-party fair market price website prices recognized by customers and banks on a regular basis according to the price update time of different websites every day; if the price of rebar of the same specification on other websites fluctuates on the same day, for example, it rises to 4,100 yuan per ton, then the assessment module will refer to the ex-factory price rules and sales pricing rules of steel mills in various places, and automatically define the SKU according to the attributes of the goods; for example, a specific SKU code is generated according to the specific attributes of this batch of steel, such as "construction steel-rebar-20mm-HRB400-A place-B place"; if it is calculated based on the new price and rules that the base price needs to be increased by 150 yuan, then the price of this batch of steel in place B will be adjusted to 4,150 yuan per ton;

[0061] Finally, the incoming goods value assessment module matches different commodity attributes according to different commodity categories. Rebar belongs to the steel commodity category. The commodity attributes that affect the market price include specifications, materials, origin, and region. These commodity attributes of the incoming rebar are accurately matched with the above-mentioned SKU attributes to obtain its market price for market value calculation; assuming that there are a total of 100 tons of steel in this batch, then the total market value of this batch of steel in the dynamic pledge pool is 100 tons multiplied by 4,150 yuan per ton, which is 415,000 yuan.

[0062] The bank side includes a financing application and approval module and a post-loan management module;

[0063] After receiving the supervision account of the user, the financing application and approval module will associate and bind the user's bank financing account with the supervision account, and calculate the loan approval amount according to the bank's financing amount provided by the mobile goods calculation module. After the user submits the financing application, the financing application and approval module will review the amount according to the financing application submitted by the user, and after determining the loan term, enter the loan process. At the same time, the financing data will be generated and sent to the mobile goods calculation module. The main functions of the financing application and approval module include:

[0064] Account association and binding:

[0065] After receiving the supervision account from the user, the user's bank financing account is associated and bound with the supervision account to ensure that the financing business corresponds to the user's specific cargo supervision situation;

[0066] Calculation of loan approval amount:

[0067] The loan approval amount is calculated based on the bank-side financing amount provided by the mobile goods calculation module, taking into account a variety of factors; the determination of this amount usually refers to factors such as the user's credit status, the value stability of the goods, and market risks;

[0068] Credit limit review and loan disbursement process:

[0069] After the user submits the financing application, the application amount will be reviewed. If the amount applied is lower than the bank's financing amount and loan approval amount provided by the mobile goods calculation module, it will be automatically reviewed and approved;

[0070] After the loan term is determined, the loan process begins and the loan funds are issued to the user. At the same time, the financing data is generated and sent to the liquid goods calculation module so that the liquid goods calculation module in the dynamic pledge pool can timely update the user's financing situation and accurately calculate the types and quantities of goods that can be withdrawn and the amount of financing available on the bank side.

[0071] The post-loan management module is used to monitor whether the user repays the loan within the loan period;

[0072] Among them, when the post-loan management module monitors whether the user end repays the loan within the loan period, if the user end fails to repay on time, abnormal data will be generated; by managing the user end's goods ownership certification materials, including upstream contracts, warehouse weighing bills, upstream and downstream invoice information, it is confirmed that the ownership of the goods is actually controllable; through offline warehouse inventory, online bank and warehouse reconciliation, post-loan goods inspection and warehouse supervision spot check are carried out;

[0073] The specific functions of post-loan management include:

[0074] 1. Repayment Supervision

[0075] If the user fails to repay the loan on time, abnormal data will be generated; this helps the bank to identify potential risks in a timely manner so that appropriate measures can be taken;

[0076] II. Management of Materials Proving Title to Goods

[0077] By managing the user-side goods ownership certification materials, including upstream contracts, warehouse weighing bills, upstream and downstream invoice information, etc., it is confirmed that the ownership of the goods is actually controllable; these materials can provide important basis for banks to ensure that they can effectively dispose of collateral when risks arise;

[0078] 3. Post-loan goods inspection

[0079] Through offline warehouse inventory and online bank-warehousing reconciliation, post-loan goods inspection and warehouse supervision spot check are carried out; offline warehouse inventory can ensure the actual existence and accurate quantity of goods; online reconciliation can ensure the consistency of data of all parties and timely discover abnormal situations; warehouse supervision spot check further strengthens the supervision of collateral to ensure the safety and value stability of goods;

[0080] The following will elaborate on the user-side financing process based on the above system:

[0081] 1. Information registration and account creation

[0082] The user end provides enterprise information to the logistics customer management module of the warehousing end, and the logistics customer management module aggregates and registers the enterprise information and establishes a supervision account corresponding to each user end;

[0083] 2. Goods warehousing

[0084] The goods inbound management module divides the storage space into storage areas and locations. Specifically, it constructs a storage model for the storage space at the warehouse end, divides the storage model into storage intervals according to the distribution of the storage space, calculates the space volume of each storage interval, marks the storage area and location of each storage interval in sequence, and synchronizes the storage area and location marks to each storage interval of the storage model to obtain a partitioned storage model.

[0085] Receive the goods entry order issued by the user, determine the individual volume and quantity of the incoming goods, and calculate the stacking volume of the incoming goods based on the individual volume and quantity of the incoming goods;

[0086] Retrieve the free storage space in the storage model, and according to the spatial volume of the storage space, retrieve the storage space that matches the stacking volume of the incoming goods, and complete the allocation of storage space for the incoming goods;

[0087] The incoming goods are stacked in the corresponding storage space to form a goods pile, and the goods are registered according to the warehouse area and storage location, a goods entry list is generated, and an electronic warehouse receipt is issued, and the goods in the storage space are marked with the corresponding supervision account at the same time; after the shelf registration is completed, the shelf registration is synchronously marked on the storage space corresponding to the storage model, and a storage model reflecting the storage situation is obtained;

[0088] 3. Synchronize information with the dynamic staking pool

[0089] The user account module of the dynamic pledge pool synchronizes the supervision account of the logistics merchant management module, establishes the account data of the user's supply chain finance configuration based on the supervision account, and determines the inventory list of goods corresponding to each account data;

[0090] IV. Evaluation of the value of goods entering the warehouse and calculation of the amount of financing available

[0091] The value assessment module for incoming goods captures the prices on public market price websites, takes the market prices on the websites as the benchmark prices, and configures benchmark price mapping and price adjustment rules according to the commodity categories, product names, specifications, materials, origins, regions, and gram weights of specific materials. The incoming goods are matched with the market prices of different regions according to the two dimensions of the warehouse where the goods are stored and the product names, and the market prices of all incoming goods are calculated to obtain the total market value of the goods in the dynamic pledge pool. The specific operations include obtaining the third-party fair market price website prices recognized by customers and banks on a regular basis according to the price update time of different websites every day, based on the regular commodity prices on the websites, referring to the factory price rules and sales pricing rules of steel mills in various places, and automatically defining SKUs according to the different specifications, materials, regions, grades, and gram weights in the commodity attributes, and adjusting prices based on the website benchmark commodity prices. The data analysis is also carried out based on the transportation distance and transportation cost between the location of the warehouse and the commodity attribute area of ​​the website commodity market price, and the commodity market price is increased, and the price of the transportation cost part is increased. The incoming goods are matched with different commodity attributes according to different commodity categories, and the market price of the incoming goods is calculated.

[0092] The mobile goods calculation module regularly obtains all the data of the goods supervised by the warehouse end, calculates the total quantity of the user's goods, calculates the difference between the total market value of the goods and the financing data, and calculates the types and quantities of goods that the user end can withdraw from the warehouse end and the amount of financing available at the bank end based on the difference;

[0093] 5. Bank-side financing application and approval

[0094] After receiving the supervision account of the user, the financing application and approval module associates and binds the user's bank financing account with the supervision account;

[0095] Calculate the loan approval amount based on the bank-side financing amount provided by the mobile goods calculation module;

[0096] After the user submits the financing application, the financing application and approval module will review the amount of the financing application submitted by the user, determine the loan term, and then enter the loan process. At the same time, the financing data will be generated and sent to the mobile goods calculation module;

[0097] VI. Post-loan management

[0098] The post-loan management module is used to monitor whether the user end repays the loan within the loan period; if the user end fails to repay the loan on time, abnormal data will be generated;

[0099] By managing the user-side cargo ownership certification materials, including upstream contracts, warehouse weighing bills, and upstream and downstream invoice information, it is confirmed that the cargo ownership is actually controllable;

[0100] Through offline warehouse inventory, online bank and warehouse reconciliation, post-loan goods inspection and warehouse supervision spot checks are carried out.

[0101] Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions and variations may be made to the embodiments without departing from the principles and spirit of the present invention, and that the scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. An intelligent management system for movable property financing based on a dynamic pledge pool, characterized by: include: Warehousing end; The warehousing end includes a logistics merchant management module, a goods warehousing management module, a warehouse supervision module and a goods outbound verification module; The logistics merchant management module aggregates and registers the enterprise information provided by the user terminal and establishes a supervision account corresponding to each user terminal; The goods entry management module divides the storage space into storage areas and locations, receives the goods entry orders issued by the user end, allocates the storage space according to the attributes of the goods entry orders, and then stacks the incoming goods in the corresponding storage space to form a goods pile, registers them according to the storage areas and locations, generates a goods entry list, and issues an electronic warehouse receipt, and simultaneously marks the corresponding supervision account for the goods in the storage space; The warehouse monitoring module regularly inspects the storage space through a laser radar camera and performs online monitoring of incoming goods; The outbound verification module makes a pick-up decision after receiving the goods pick-up application from the user. When the pick-up decision is that the goods can be picked up, the goods outbound process is entered; Dynamic pledge pool; the dynamic pledge pool establishes data communication with the storage end and the bank end, and the dynamic pledge pool includes a user account module, a mobile goods calculation module, an incoming goods value assessment module and an early warning management module; The user account module synchronizes the supervision account of the logistics merchant management module, establishes the account data of the user supply chain finance configuration according to the supervision account, and determines the goods warehousing list corresponding to each account data; The mobile goods calculation module periodically obtains all the data of the goods supervised by the warehouse end, calculates the total quantity of the user's goods, calculates the difference between the total market value of the goods and the financing data, and calculates the types and quantities of goods that the user end can withdraw at the warehouse end and the amount of financing available at the bank end based on the difference; The inbound goods value assessment module captures the prices on the public market price website, takes the website market price as the base price, and configures the base price mapping and price adjustment rules according to the commodity category, product name, specification, material, origin, region, and weight of the specific material. The regional price adjustment rule uses the transportation cost of the commodity between the origin and the sales area as the upward price; the inbound goods are matched with the market prices of different regions according to the two dimensions of the warehouse and product name, and the market prices of all inbound goods are calculated to obtain the total market value of the goods in the dynamic pledge pool; The bank end includes a financing application and approval module and a post-loan management module; After receiving the supervision account of the user, the financing application and approval module associates and binds the financing account of the bank of the user with the supervision account, and calculates the loan approval amount according to the financing amount of the bank provided by the mobile goods calculation module. After the user submits the financing application, the financing application and approval module reviews the amount according to the financing application submitted by the user, and after determining the loan term, enters the loan release process, and at the same time, generates financing data and sends it to the mobile goods calculation module; The post-loan management module is used to monitor whether the user terminal repays the loan within the loan period.

2. According to claim 1, a movable property financing intelligent management system based on a dynamic pledge pool is characterized by: When the goods warehousing management module divides the storage space into storage areas and storage locations, a storage model is constructed for the storage space at the warehouse end, the storage model is divided into storage intervals according to the distribution of the storage space, the spatial volume of each storage interval is calculated, and the storage area and storage location marks are marked for each storage interval in sequence, and the storage area and storage location marks are synchronized to each storage interval of the storage model to obtain a completed partitioned storage model.

3. According to claim 2, a movable property financing intelligent management system based on a dynamic pledge pool is characterized by: When allocating storage space, the goods incoming order determines the individual volume and quantity of the incoming goods, calculates the stacking volume of the incoming goods based on the individual volume and quantity of the incoming goods, retrieves the free storage space in the storage model, and retrieves the storage space that matches the stacking volume of the incoming goods based on the spatial volume of the storage space, thereby completing the allocation of storage space for the incoming goods. After completing the shelf registration, the shelf registration is synchronously marked on the storage space corresponding to the storage model, thereby obtaining a storage model that reflects the storage situation.

4. According to claim 1, a movable property financing intelligent management system based on a dynamic pledge pool is characterized by: When the warehouse supervision module conducts online supervision of incoming goods, it regularly inspects the storage space through a lidar camera, collects scanning data of the cargo pile in each storage area, and builds a three-dimensional model of the cargo pile in each storage area based on the scanning data. When the three-dimensional model changes without an outbound record, alarm data is generated and sent to the management department at the warehouse end.

5. According to claim 4, a movable property financing intelligent management system based on a dynamic pledge pool is characterized by: When constructing a 3D model of the cargo pile in each storage area based on the scan data, a lidar camera is used to scan the cargo pile in each storage area. During the scanning process, the lidar camera emits laser pulses and receives reflected signals, records the distance, angle and intensity of each point, and obtains the original point cloud data of the cargo pile; The collected raw point cloud data is preprocessed, including removing noise points, outliers and invalid data, and the preprocessed raw point cloud data is registered to generate a complete point cloud model. The surface of the three-dimensional model is then constructed using a surface reconstruction algorithm. The three-dimensional model is smoothed, holes are repaired, and the model is simplified to obtain a three-dimensional model for each cargo pile.

6. According to claim 5, a movable property financing intelligent management system based on a dynamic pledge pool is characterized by: After the cargo warehousing management module completes the cargo warehousing operation or the cargo outbound verification module completes the cargo outbound process operation, the warehouse supervision module immediately inspects the storage space through the lidar camera and reconstructs the three-dimensional model of the changed cargo pile to replace the original three-dimensional model of the cargo pile.

7. According to claim 6, a movable property financing intelligent management system based on a dynamic pledge pool is characterized by: When making a pick-up decision, the outbound verification module requests data exchange with the dynamic pledge pool to determine the types of goods covered by the dynamic pledge pool and the quantities of the corresponding types. When the total market value of the remaining types of circulating goods and the quantities of the corresponding types after the batch of goods is shipped out can cover the customer's outstanding balance, it is determined that the goods can be picked up and the goods outbound process begins.

8. According to claim 7, a movable property financing intelligent management system based on a dynamic pledge pool is characterized by: When the incoming goods value assessment module assesses the total market value of the goods in the dynamic pledge pool, it obtains the third-party fair market price website prices recognized by customers and banks on a daily basis according to the price update time of different websites, based on the regular goods prices on the website, and referring to the ex-factory price rules and sales pricing rules of steel mills in various places, it automatically defines the SKU by market price coding according to the different specifications, materials, regions, grades, and weights in the commodity attributes, and adjusts the price based on the website's benchmark commodity price; and conducts data analysis based on the transportation distance and transportation cost between the warehouse location and the commodity attribute area of ​​the website's commodity market price, raises the commodity market price, and increases the price of the transportation cost part; the incoming goods are matched with different commodity attributes according to different commodity categories, and the market price of the incoming goods is calculated to obtain the total market value of the goods in the dynamic pledge pool.

9. According to claim 1, a movable property financing intelligent management system based on a dynamic pledge pool is characterized by: When the post-loan management module monitors whether the user end repays the loan within the loan period, if the user end fails to repay the loan on time, abnormal data is generated; by managing the goods ownership certification materials of the user end, including upstream contracts, warehouse weighing bills, and upstream and downstream invoice information, it is confirmed that the goods ownership is actually controllable; Through offline warehouse inventory, online bank and warehouse reconciliation, post-loan goods inspection and warehouse supervision spot checks are carried out.

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