Method and device for generating a financing model in a supply chain, electronic device
By automatically identifying target functional modules through a module library, generating financing models, and outputting pages, the problem of low efficiency in building financing models in existing technologies is solved, and financing models are generated quickly and accurately, improving management efficiency.
Patent Information
- Authority / Receiving Office
- CN · China
- Patent Type
- Patents(China)
- Current Assignee / Owner
- AGRICULTURAL BANK OF CHINA
- Filing Date
- 2021-12-28
- Publication Date
- 2026-05-29
AI Technical Summary
In existing technologies, the method of establishing a separate financing model for each affiliated company is labor-intensive, resulting in low financing efficiency and an inability to efficiently manage the financing needs of affiliated companies in the supply chain.
By establishing a module library, basic functional modules are read from the module library, and the target functional modules are automatically determined based on the business types of the target associated entity and the core entity. The financing model is then generated and the financing page is output, thus achieving automatic and efficient generation of the financing model.
It enables the rapid and accurate establishment of financing models, improves financial management efficiency, ensures that users understand the financing models in a timely manner, and enhances the overall efficiency of supply chain management.
Smart Images
Figure CN114282835B_ABST
Abstract
Description
Technical Field
[0001] This disclosure relates to the field of computer technology, and in particular to a method and apparatus for generating financing models in a supply chain, and electronic equipment. Background Technology
[0002] With economic development, numerous smaller companies or individuals exist within the supply chains of mega-corporations. These mega-corporations can be called core companies, and the companies or individuals in their supply chains can be called affiliated companies. For example, Company A is the core company, and its suppliers or distributors can be called affiliated companies. Because core companies have a wide range of products and complex supply chains, affiliated companies with different business relationships with the core company emerge. Due to the limitations of company size, affiliated companies have higher financing needs. Furthermore, because the business relationships between affiliated companies and core companies differ, the types of financing required by different affiliated companies may also differ. In practice, it is necessary to manually create a mathematical model for each affiliated company, matching the financing products available to that company within its business district—this can also be called a financing model. However, this method of creating a separate financing model for each affiliated company is labor-intensive, resulting in low financing efficiency for affiliated companies. Summary of the Invention
[0003] This disclosure provides a method, apparatus, and electronic device for automatically generating financing models in a supply chain.
[0004] According to a first aspect of this disclosure, a method for generating a financing model in a supply chain is provided, comprising:
[0005] Read at least one basic functional module from the module library;
[0006] In response to a model generation request for a target associated entity within a core entity, determine the business type of the target associated entity and the core entity;
[0007] Based on the business type, determine the target functional module from at least one basic functional module;
[0008] Based on the target functional modules, generate a financing model for the target associated entity and obtain the financing page corresponding to the financing model;
[0009] Output a financing page to the user who initiated the model generation request.
[0010] According to a second aspect of this disclosure, a financing model generation apparatus for a supply chain is provided, comprising:
[0011] The module reading unit is used to read at least one basic functional module from the module library;
[0012] The type determination unit is used to determine the business type of the target associated subject and the core subject in response to a model generation request for a target associated subject in the core subject;
[0013] The target determination unit is used to determine the target functional module from at least one basic functional module based on the business type.
[0014] The model processing unit is used to generate a financing model for the target associated entity based on the target functional module, and obtain the financing page corresponding to the financing model;
[0015] The page determination unit is used to output the financing page to the user who initiated the model generation request.
[0016] According to a third aspect of this disclosure, an electronic device is provided, comprising:
[0017] At least one processor; and
[0018] A memory that is communicatively connected to at least one processor; wherein,
[0019] The memory stores instructions that can be executed by at least one processor, such that the instructions are executed by at least one processor to enable the at least one processor to perform the method of the first aspect.
[0020] The technology disclosed herein solves the problem that the establishment of financing models is inefficient because it requires manual determination of the corresponding financing model for each related entity according to its business district. By establishing a module library, the target functional modules that match the target related entity can be automatically obtained, thereby enabling the rapid establishment of financing models for the target related entity. This realizes a model building scheme based on modules, achieving automatic, efficient and accurate generation of models and improving the efficiency of financial model establishment.
[0021] It should be understood that the description in this section is not intended to identify key or essential features of the embodiments of this disclosure, nor is it intended to limit the scope of this disclosure. Other features of this disclosure will become readily apparent from the following description. Attached Figure Description
[0022] The accompanying drawings are provided to better understand this solution and do not constitute a limitation of this disclosure. Wherein:
[0023] Figure 1 This is an example diagram illustrating an application scenario of a financing model generation method in a supply chain provided by an embodiment of this disclosure;
[0024] Figure 2 This is a flowchart of an embodiment of a financing model generation method in a supply chain provided by the present disclosure;
[0025] Figure 3This is a flowchart of yet another embodiment of a financing model generation method in a supply chain provided according to the embodiments of this disclosure;
[0026] Figure 4 This is a schematic diagram of parameter inheritance and parameter sub-model provided according to an embodiment of the present disclosure;
[0027] Figure 5 This is a schematic diagram of the structure of a financing model generation system consisting of a data model layer and a view layer according to an embodiment of this disclosure;
[0028] Figure 6 This is a schematic diagram of one embodiment of a supply chain financing model generation device provided in this disclosure;
[0029] Figure 7 This is a block diagram of an electronic device used to implement the supply chain financing model generation method of the present disclosure embodiments. Detailed Implementation
[0030] The exemplary embodiments of this disclosure are described below with reference to the accompanying drawings, including various details of the embodiments to aid understanding, and should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of this disclosure. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.
[0031] The technical solution disclosed herein can be applied to credit model building scenarios in the financial field. By establishing a basic functional model, the credit model can be built quickly, thereby improving the efficiency of model building.
[0032] In existing technologies, supply chain management is a market- and customer-demand-oriented management model. Credit management plays a crucial role in the normal development of enterprises within supply chain management. A supply chain typically consists of a core entity and related entities with which it has supply relationships. Often, different related entities belong to specific supplier networks due to the unique nature of their business relationships with the core entity. To better manage the finances of these related entities and improve their financial efficiency, corresponding financing models can be set up for each entity based on its business type. However, this approach requires manually setting up a financing model for each individual related entity. In reality, supply chains are numerous, and the number of related entities is vast. Creating a separate financing model for each entity can easily lead to low efficiency in financing model creation, resulting in low overall supply chain management efficiency.
[0033] To address the aforementioned technical issues, this embodiment of the disclosure identifies at least one basic functional module from a module library. Upon receiving a model generation request for a target associated entity within a core entity, the module can respond to the request and determine the business type of the target associated entity and the core entity. Based on the business type, a target functional module is identified from the at least one basic functional module. This target functional module is then used to generate a financing model for the target associated entity, resulting in a corresponding financing page. Utilizing a module library to implement basic functional modules allows for a module-based model building scheme, enabling automatic, efficient, and accurate model generation, thus improving the efficiency of financial model creation. The obtained financing page can also be displayed to users, allowing them to promptly access the established financing model, effectively showcasing the model and improving its management efficiency.
[0034] The technical solution of this disclosure will now be described in detail with reference to the accompanying drawings.
[0035] refer to Figure 1 This diagram illustrates an application scenario of the supply chain financing model generation method provided in this disclosure. An electronic device, such as computer 1, can display a model generation trigger page to the user. When the user triggers a model generation request, the computer can send the request to a cloud server 2 configured with the technical solution of this disclosure. After receiving the model generation request, cloud server 2 can automatically establish a financing model for the target related entity within the core entity according to the supply chain model generation method provided in this disclosure, and simultaneously obtain the financing page corresponding to the financing model, sending the financing page to mobile phone 1. Mobile phone 1 can then display the financing page to the user.
[0036] Figure 2 A flowchart illustrating an embodiment of a supply chain financing model generation method provided by this disclosure is provided. The method may include the following steps:
[0037] 201: Read at least one basic functional module from the module library.
[0038] The module library may include at least one basic functional module. A basic functional module can be a mathematical model capable of implementing some of the functions of a financial model.
[0039] The supply chain financing model generation method in this disclosure can be an electronic device, which can be a backend server. The backend server can be configured with a module library, which provides selectable basic functional modules.
[0040] 202: In response to a model generation request for a target associated entity in the core entity, determine the business type of the target associated entity and the core entity.
[0041] Model generation requests can be triggered by financial management entities such as banks and regulatory agencies. These entities can view a management page on an electronic device configured with this publicly available financing model generation method, and trigger model generation requests for the target associated entity through this management page. The management page displayed on the monitor can be output by the electronic device.
[0042] The core entity may include one or more, and a model generation request can be initiated for any target associated entity of the core entity. The model generation request may include: entity information of the core entity and entity information of the target associated entity. The model generation request may be initiated by the target associated entity and sent to the backend server configured in the embodiments of this disclosure.
[0043] The backend server can be a cloud server, a regular server, etc. In this embodiment, no specific limitations are made on the type of server. The entity can include individual entities and legal entities. An individual entity can refer to an individual user as a supply node in the supply chain. A legal entity can refer to a legal person as a supply node in the supply chain.
[0044] The model generation request may include the entity information of the associated entity. The entity information may include the entity name, the entity name of its corresponding core entity, the supply association with the core entity, that is, the business type of the supply entity and the core entity, the account information of the associated entity, transaction information, etc.
[0045] The business type can be the business model or business relationship model between the target related entity and its corresponding core entity.
[0046] 203: Based on the business type, determine the target functional module from at least one basic functional module.
[0047] A target functional module is a target data module within a basic functional module that enables the corresponding functionality. A target functional module can be at least one basic functional module that matches the business type. Matching the business type means being able to fulfill certain business requirements or functions of that business type.
[0048] 204: Based on the target functional module, generate the financing model of the target associated entity and obtain the financing page corresponding to the financing model.
[0049] The financing module can be a mathematical model for financing that the target related entity can use. Specifically, it can include information such as available financing products, financing needs, and supporting documentation. The financing page can be a webpage displaying the financing model. The model information of the financing model can be displayed as page content on the financing page.
[0050] 205: Outputs the financing page to the user who initiated the model generation request.
[0051] Providing a financing page to the user who initiated the model generation request can include sending the financing page to the user's client and controlling the client to display the financing page to the user.
[0052] In this embodiment, at least one basic functional module is determined from a module library. Upon receiving a model generation request for a target associated entity within a core entity, the module can respond to the request and determine the business type of the target associated entity and the core entity. Based on the business type, a target functional module is determined from the at least one basic functional module. This target functional module is then used to generate a financing model for the target associated entity, resulting in a financing page corresponding to the financing model. Utilizing a module library to implement basic functional modules allows for a module-based model building scheme, enabling automatic, efficient, and accurate model generation, thus improving the efficiency of financial model creation. The obtained financing page can also be displayed to users, allowing them to promptly access the established financing model, effectively showcasing the model and improving its management efficiency.
[0053] As an example, the steps for establishing at least one basic functional module in the module library are as follows:
[0054] Identify at least one related entity in at least one supply chain. The supply chain includes a core entity and related entities that have supply relationships with the core entity.
[0055] Based on the business relationship between at least one related entity and the core entity, determine the financing needs information corresponding to at least one related entity.
[0056] The financing demand information corresponding to at least one related entity is deduplicated to obtain at least one target financing demand information.
[0057] Generate a financing basic module for the target financing demand information, so as to obtain at least one financing basic module corresponding to each target financing demand information.
[0058] Identify at least one basic financing module corresponding to each financing demand information as at least one basic functional module in the module library.
[0059] Optionally, a supply chain may include at least one entity. Each supply chain may include a core entity and related entities that have business ties with the core entity.
[0060] The business relationship between related entities and core entities can refer to information such as the type of business, the frequency of business completion, and the time of the most recent business completion between related entities and core entities.
[0061] Financing demand information can be any information required during the financing process, such as tax information, the basis for financing, and proof of the relationship between related entities and the core entity.
[0062] In this embodiment, by acquiring at least one related entity in at least one supply chain, obtaining financing demand information corresponding to each of the at least one related entity, and deduplicating the financing demand information corresponding to each of the at least one related entity, at least one target financing demand information can be obtained. This financing demand information can be used to identify the financing needs of the related entity. After deduplication, at least one target financing demand information can be obtained, thus determining the financing demand information. This allows for the generation of a basic financing module for each of the at least one target financing demand information, resulting in at least one basic functional module. This enables the acquisition of at least one basic functional module, achieving rapid and accurate establishment of a module library, and obtaining a more accurate and comprehensive module library.
[0063] In one possible design, at least one target financing need information includes one or more of the following: announcement demand information, accounts receivable information, order display information, and document completion information. Announcement demand information, accounts receivable information, order display information, and document completion information can all serve as the basis for financing.
[0064] The module for generating basic financing information based on target financing needs includes:
[0065] Generate at least one announcement information module for the announcement requirement information.
[0066] Generate at least one accounts receivable display module for accounts receivable information.
[0067] Generate at least one order display module for order display information.
[0068] Alternatively, generate at least one form entry module for form entry information.
[0069] Identify at least one financing demand information corresponding to at least one basic financing module in the module library, including:
[0070] Identify at least one announcement information module, at least one account display module, at least one order display module, and / or at least one form filling module as at least one basic functional module in the module library.
[0071] The announcement information module displays announcement information for related entities. The accounts receivable display module outputs accounts receivable. The order display module displays orders for the core entity and related entities. The document entry module is required for filling out documents. Each type of module may include at least one. For example, at least one document entry module may include one or more of the following: a new document module, a related invoice module, a related contract module, a related trade module, a company rights confirmation module, a manager approval module, an approval approval module, and a new document module. At least one order display module may include one or more of the following: a historical order display module, a contract signing display module, and a contract signing but unfulfilled display module. At least one accounts receivable display module may include one or more of the following: a current account balance display module, an outstanding accounts receivable balance display module, an outstanding payment balance display module, and an outstanding balance display module. At least one announcement information module may include one or more of the following: an announcement display module, an announcement cancellation module, and a historical announcement module. The above modules are merely exemplary and should not constitute a limitation on the technical solution disclosed herein.
[0072] In addition to announcements of demand information, accounts receivable information, order display information, and document completion information, the target financing demand information can also include relevant information related to the business or financing needs. For example, it may also include: invoice information, tax information, cooperation time information, etc. The information shown in this disclosure is merely exemplary and should not constitute a limitation on the technical solution of this disclosure.
[0073] In this embodiment, one or more of the following are identified as at least one target financing demand: announcement demand information, accounts receivable information, order display information, and document filling information. This allows for accurate and rapid acquisition of the target financing demand information, generating a corresponding basic module for each target demand information, thus achieving accurate generation of the basic module. This enables accurate module generation for different target financing demand information, improving generation efficiency and reliability.
[0074] like Figure 3 The diagram shown is a flowchart of one embodiment of a financing model generation method in a supply chain provided by this disclosure. The method may include the following steps:
[0075] 301: Read at least one basic functional module from the module library.
[0076] It should be noted that some steps in the embodiments of this disclosure are different from those in the present disclosure. Figure 1 Some steps are the same in the embodiments shown, and will not be repeated for the sake of brevity.
[0077] 302: In response to a model generation request for a target associated entity in the core entity, determine the business type of the target associated entity and the core entity.
[0078] 303: Based on the business type, identify the target functional module from at least one basic functional module.
[0079] 304: Outputs the target functional module to the user who initiated the model generation request.
[0080] 305: Obtain the parameter data set by the user for the target function module, and detect the user's confirmation operation triggered by the target function module.
[0081] In practical applications, accurate settings for the target functional modules can be achieved by setting corresponding parameter data for each target functional module.
[0082] Optionally, it may also include: receiving user adjustments to the target functional module, obtaining the adjusted target functional module, and generating a financing model for the target associated entity based on the parameter data of the adjusted target functional module. The adjustment operation may include an addition or deletion operation. The adjustment operation may include a deleted target functional module or a newly added target functional module from the basic functional modules.
[0083] 306: Based on the parameter data of the target functional module, generate a financing model for the target associated entity and obtain the financing page corresponding to the financing model.
[0084] 307: Outputs a financing page to the user who initiated the model generation request.
[0085] In this embodiment of the disclosure, after determining the target functional module, the parameter data set by the user for the target functional module can be obtained. Upon detecting a user confirmation operation on the target functional module, a financing model for the target associated entity is generated based on the parameter data of the target functional module, and the corresponding financing page is obtained. By automatically, efficiently, and accurately selecting the target functional module, it can be displayed to the user, enabling accurate model settings and improving the efficiency of financial model creation.
[0086] As one example, obtaining parameter data set by the user for the target functional module includes:
[0087] Based on the target functional module, determine the public parameters, product parameters, platform parameters, and business district parameters that are related to the target functional module;
[0088] Based on the inheritance relationship of business district parameters, platform parameters, product parameters, and public parameters, the business district parameter data, platform parameter data, product parameter data, and public parameter data are determined sequentially.
[0089] Specifically, based on the target functional modules, a financing model for the target associated entity is generated, and the corresponding financing page is obtained, including:
[0090] Based on the business district parameter data, a business district model is generated in the financing model; the business district model includes at least one business district content information.
[0091] Based on platform parameter data, a platform sub-model is generated in the financing model; the platform sub-model includes at least one platform rule information.
[0092] Based on the product parameter data, generate product sub-models in the financing model; each product sub-model includes at least one product rule information.
[0093] Based on publicly available parameter data, a financing system sub-model is generated within the financing model; the financing system sub-model includes information on financing rules.
[0094] Based on the business circle model, platform sub-model, product sub-model, and financing system sub-model, the financing model is determined.
[0095] Determine the business circle page corresponding to the business circle model, the platform page corresponding to the platform sub-model, the product page corresponding to the product sub-model, and the financing system page corresponding to the financing system sub-model.
[0096] In this embodiment, the model parameters may include public parameters, product parameters, platform parameters, and business district parameters. During parameter setting, different parameters can be specifically configured to obtain accurate parameter data. This different parameter data allows for a more comprehensive establishment of the business district model, platform sub-model, product sub-model, and financing system sub-model, resulting in a more comprehensive and accurate financing model. By setting different parameters, the financing model can be made more accurate and better matched to the actual needs of electronic devices.
[0097] In some embodiments, the business district parameters include: private business district parameters belonging to a specific business district and public business district parameters belonging to all business districts; platform parameters include: private platform parameters belonging to a specific platform and public platform parameters belonging to all platforms; product parameters include: private product parameters belonging to a specific product and public product parameters belonging to all products; public parameters include public system parameters belonging to all financing systems.
[0098] Optionally, public parameters can be parameters that are publicly available globally. For example, they may include one or more parameters such as evaluation rating parameters, credit limit parameters, approval parameters, contract parameters, and repayment parameters.
[0099] Optionally, product parameters may include: rating parameters, credit limit parameters, approval parameters, contract parameters, repayment parameters, third-party credit code, factoring fee rate parameters, etc. Among these, the rating parameters, credit limit parameters, approval parameters, contract parameters, and repayment parameters are inherited from public parameters and are common product parameters for all products. Parameters such as the third-party credit code and factoring fee rate are product-specific parameters for a particular product.
[0100] Optionally, platform parameters may include: rating parameters, credit limit parameters, approval parameters, contract parameters, repayment parameters, factoring fee rate parameters, and online contract signing parameters. Among these, rating parameters, credit limit parameters, approval parameters, contract parameters, repayment parameters, and factoring fee rate are public platform parameters shared by all platforms. Online contract signing parameters are private platform parameters specific to a particular platform.
[0101] Optionally, business district parameters may include: rating parameters, credit limit parameters, approval parameters, contract parameters, repayment parameters, factoring fee rate parameters, and related document parameters. Among these, the rating parameters, credit limit parameters, approval parameters, contract parameters, repayment parameters, and factoring fee rate parameters are public business district parameters for all business districts; the related document parameters are private business district parameters for a specific business district.
[0102] In this embodiment of the disclosure, public and private parameters are divided for different model parameters, which can make the model parameters more accurate and the setting efficiency more efficient.
[0103] In some embodiments, the inheritance relationship of business district parameters, platform parameters, product parameters, and public parameters includes: business district parameters inherit from platform parameters, platform parameters inherit from product parameters, and product parameters inherit from public parameters.
[0104] Based on the inheritance relationship of business district parameters, platform parameters, product parameters, and public parameters, the business district parameter data, platform parameter data, product parameter data, and public parameter data are determined sequentially, including:
[0105] System parameter data that determines the common parameter data;
[0106] Based on the system parameter data and the data set by the user for the product parameters, the product parameter data is obtained.
[0107] Based on the product parameter data and the data set by the user for the platform parameters, the platform parameter data is obtained.
[0108] Based on the platform's parameter data and the data set by the user for the business district parameters, the business district parameter data is obtained.
[0109] For ease of understanding, such as Figure 4 The diagram shown is a schematic representation of parameter inheritance and parameter sub-models provided in an embodiment of this disclosure. (Reference) Figure 4 Public parameter 401 can be a global parameter; product parameter 402 can inherit from public parameter 401; platform parameter 403 can inherit from product parameter 402; and business district parameter 404 can inherit from platform parameter 403. Inheritance allows for the use of parameter data to complete model building. Typically, public parameter 401 can correspond to a series of financial products, such as... Figure 4 The A2.0 product system 405 can include several financial product models 406, each of which can be expressed through corresponding platform parameters. Each financial product model can correspond to a specific core entity, thus enabling the product to be deployed to various supply chains. Similarly, using... Figure 4 For example, suppose the M product model in the financial product model can be deployed to several platform models 407, and each platform model can be represented by corresponding platform parameters. The platform can then deploy its corresponding product to the business district where the associated entity is located. Similarly, using... Figure 4 For example, suppose that platform S1 in platform model 406 includes business districts A and B, and platforms S2 and S3 each include business districts C, D, and E. Figure 4 Taking business district C as an example, the financing model for related entities belonging to business district C among those associated with platform S2 or S3 can be determined through: the business district model, platform sub-model, product sub-model, and financing system sub-model. That is, it can be determined through the business district C model, platform S2 or S3 model, M product model, and A2.0 product system. Utilizing the business district model, platform sub-model, product sub-model, and financing system sub-model enables the comprehensive and accurate establishment of financing models for related entities.
[0110] In this embodiment of the disclosure, the inheritance relationship of business district parameters, platform parameters, product parameters, and public parameters is determined. Based on this inheritance relationship, the parameter data of each parameter is confirmed, the accurate parameter data of each parameter is obtained, and the parameter data is managed efficiently and accurately.
[0111] In one possible design, based on the target functional modules, a financing model for the target associated entity is generated, and the corresponding financing page is obtained, including:
[0112] At the data model layer, the target functional module is used to generate a financing model for the target related entities.
[0113] In the view layer, the financing model is displayed to obtain the financing page corresponding to the financing model.
[0114] like Figure 5 The diagram shown is a structural schematic of a financing model generation system comprising a data model layer and a view layer, as provided in an embodiment of this disclosure. (Reference) Figure 5 The data model layer 501 and view layer 502 can achieve data interaction and event listening through data bridges and document object model (DOM) listeners, thereby determining the financing model and its corresponding financing page. The view layer can control the page display with the document object model in the target functional module to display the financing page. The data model layer can perform data settings and other processing on the object-oriented objects in the target functional module to establish the financing model and set relevant parameters.
[0115] In this embodiment of the disclosure, the establishment of the financing model and the generation of the financing page are managed independently through the data model layer and the view layer, respectively, thereby improving the efficiency of financing model generation and financing page management.
[0116] As another embodiment, after generating a financing model for the target associated entity based on the target functional module and obtaining the financing page corresponding to the financing model, the method further includes:
[0117] Detect financing requests initiated by the target related entity and output a financing page to the target related entity;
[0118] Obtain financing information from the target related entity based on the financing page;
[0119] The financing information is reviewed and processed to obtain the financing results of the target related entities, and the financing results are output to the target related entities.
[0120] Optionally, detecting a financing request initiated by the target associated entity and outputting a financing page to the target associated entity may include: detecting a financing request sent by the target associated entity's electronic device, sending the financing page to the electronic device, and having the electronic device output the page to the target associated entity.
[0121] Financing information can be provided by the target related entity through a financing page. The financing page can display parameters in the financing model that require data from the target related entity, thus enabling the acquisition of financing information. Financing information may include, for example, the amount of financing requested and supporting documentation.
[0122] In this embodiment, after obtaining the financing model of the target associated entity, the financing request of the target associated entity can be processed. When the financing information provided by the target associated entity through the financing page is obtained, the financing information can be reviewed and processed to obtain the financing result of the target associated entity, which can be output to the target associated entity. Through financing interaction with the target associated entity, the entity information of the financing associated entity can be ensured, enabling rapid and intelligent processing of financing requests and improving financing processing efficiency.
[0123] like Figure 6 The diagram shown is a structural schematic of one embodiment of a supply chain financing model generation device provided in this disclosure. The device may include the following units:
[0124] Module reading unit 601: used to read at least one basic functional module from the module library;
[0125] Type determination unit 602: In response to a model generation request for a target associated subject in the core subject, it determines the business type of the target associated subject and the core subject;
[0126] Target determination unit 603: used to determine a target functional module from at least one basic functional module according to the business type;
[0127] Model processing unit 604: Used to generate a financing model for the target associated entity based on the target functional module, and obtain the financing page corresponding to the financing model;
[0128] Page Determination Unit 605: Used to output a financing page for the user who initiated the model generation request.
[0129] As one embodiment, the device may further include:
[0130] The association determination unit is used to determine at least one associated entity in at least one supply chain; the supply chain includes a core entity and associated entities that have a supply relationship with the core entity;
[0131] The information determination unit is used to determine the financing demand information corresponding to at least one related entity based on the business relationship between at least one related entity and the core entity.
[0132] The information deduplication unit is used to deduplicatize the financing demand information corresponding to at least one related entity to obtain at least one target financing demand information.
[0133] The module generation unit is used to generate a financing basic module for the target financing demand information, so as to obtain at least one financing basic module corresponding to each target financing demand information.
[0134] The module determination unit is used to determine that the financing basic module corresponding to at least one financing demand information is at least one basic functional module in the module library.
[0135] In one possible design, at least one target financing demand information includes one or more of the following: announcement demand information, accounts receivable information, order display information, and document filling information;
[0136] Module generation unit, including:
[0137] The first generation module is used to generate at least one announcement information module for the announcement requirement information;
[0138] The second generation module is used to generate at least one accounts receivable display module for accounts receivable information;
[0139] The third generation module is used to generate at least one order display module for order display information;
[0140] Alternatively, the fourth generation module is used to generate at least one document filling module for filling information on the document;
[0141] The module determination unit includes:
[0142] The basic determination module is used to determine that at least one announcement information module, at least one account display module, at least one order display module and / or at least one document filling module are at least one basic functional module in the module library.
[0143] As yet another embodiment, it also includes:
[0144] The module output unit is used to output the target functional module to the user.
[0145] The parameter acquisition unit is used to acquire the parameter data set by the user for the target functional module and to detect the user's confirmation operation triggered by the target functional module.
[0146] The model processing unit includes:
[0147] The first processing module is used to generate a financing model for the target associated entity based on the parameter data of the target functional module, and obtain the financing page corresponding to the financing model.
[0148] In one possible design, the parameter acquisition unit includes:
[0149] The parameter determination module is used to determine the public parameters, product parameters, platform parameters, and business district parameters that are related to the target functional module, based on the target functional module.
[0150] The relationship determination module is used to determine the business district parameter data, platform parameter data, product parameter data, and public parameter data in sequence according to the inheritance relationship of business district parameters, platform parameters, product parameters, and public parameters.
[0151] The first processing module includes:
[0152] The first generation submodule is used to generate a business district model in the financing model based on the business district parameter data; the business district model includes at least one business district content information.
[0153] The second generation submodule is used to generate a platform sub-model in the financing model based on platform parameter data; the platform sub-model includes at least one platform rule information.
[0154] The third generation submodule is used to generate product sub-models in the financing model based on product parameter data; the product sub-model includes at least one product rule information.
[0155] The fourth generation submodule is used to generate a financing system sub-model in the financing model based on public parameter data; the financing system sub-model includes displaying financing rule information;
[0156] The model determination submodule is used to determine the financing model based on the business circle model, platform submodel, product submodel, and financing system submodel.
[0157] The page generation submodule is used to determine the business circle page corresponding to the business circle model, the platform page corresponding to the platform submodel, the product page corresponding to the product submodel, and the financing system page corresponding to the financing system submodel.
[0158] In one possible design, the business district parameters include: private business district parameters belonging to a specific business district and public business district parameters belonging to all business districts; platform parameters include: private platform parameters belonging to a specific platform and public platform parameters belonging to all platforms; product parameters include: private product parameters belonging to a specific product and public product parameters belonging to all products; public parameters include public system parameters belonging to all financing systems.
[0159] In some embodiments, the inheritance relationship of business district parameters, platform parameters, product parameters, and public parameters includes: business district parameters inherit from platform parameters, platform parameters inherit from product parameters, and product parameters inherit from public parameters;
[0160] The relationship determination module includes:
[0161] The first determining submodule is used to determine the system parameter data of the common parameter data;
[0162] The second determination submodule is used to obtain product parameter data based on system parameter data and user-defined product parameter settings.
[0163] The third determination submodule is used to obtain the platform parameter data based on the product parameter data and the data set by the user for the platform parameters.
[0164] The fourth determination submodule is used to obtain the business district parameter data based on the platform parameter data and the data set by the user for the business district parameters.
[0165] As another embodiment, based on the target functional module, a financing model for the target associated entity is generated, and the financing page corresponding to the financing model is obtained, including:
[0166] At the data model layer, the target functional module is used to generate a financing model for the target related entities;
[0167] In the view layer, the financing model is displayed to obtain the financing page corresponding to the financing model.
[0168] The supply chain financial model generation apparatus provided in this disclosure corresponds to... Figures 2-3 The specific steps performed by each unit, module, and sub-model in the supply chain financial model generation method shown in the embodiment can be found in the descriptions of the foregoing embodiments, and will not be repeated here.
[0169] It should be noted that the financial model in this embodiment is not a headshot model for a specific user and does not reflect the personal information of a specific user. It should also be noted that the model in this embodiment comes from a publicly available dataset.
[0170] The collection, storage, use, processing, transmission, provision, and disclosure of user personal information involved in the technical solution disclosed herein comply with the provisions of relevant laws and regulations and do not violate public order and good morals.
[0171] According to embodiments of this disclosure, this disclosure also provides an electronic device, a readable storage medium, and a computer program product.
[0172] According to embodiments of this disclosure, this disclosure also provides a computer program product comprising: a computer program stored in a readable storage medium, at least one processor of an electronic device being able to read the computer program from the readable storage medium, and the at least one processor executing the computer program causing the electronic device to perform the scheme provided in any of the above embodiments.
[0173] Figure 7A schematic block diagram of an example electronic device 700 that can be used to implement embodiments of the present disclosure is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device may also represent various forms of mobile devices, such as personal digital processors, cellular phones, smartphones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely illustrative and are not intended to limit the implementation of the present disclosure described and / or claimed herein.
[0174] like Figure 7 As shown, device 700 includes a computing unit 701, which can perform various appropriate actions and processes based on a computer program stored in read-only memory (ROM) 702 or a computer program loaded from storage unit 708 into random access memory (RAM) 703. RAM 703 may also store various programs and data required for the operation of device 700. The computing unit 701, ROM 702, and RAM 703 are interconnected via bus 704. Input / output (I / O) interface 705 is also connected to bus 704.
[0175] Multiple components in device 700 are connected to I / O interface 705, including: input unit 706, such as keyboard, mouse, etc.; output unit 707, such as various types of monitors, speakers, etc.; storage unit 708, such as disk, optical disk, etc.; and communication unit 709, such as network card, modem, wireless transceiver, etc. Communication unit 709 allows device 700 to exchange information / data with other devices through computer networks such as the Internet and / or various telecommunications networks.
[0176] The computing unit 701 can be a variety of general-purpose and / or special-purpose processing components with processing and computing capabilities. Some examples of the computing unit 701 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special-purpose artificial intelligence (AI) computing chips, various computing units running machine learning model algorithms, a digital signal processor (DSP), and any suitable processor, controller, microcontroller, etc. The computing unit 701 performs the various methods and processes described above, such as the supply chain financing model generation method. For example, in some embodiments, the supply chain financing model generation method can be implemented as a computer software program tangibly contained in a machine-readable medium, such as storage unit 708. In some embodiments, part or all of the computer program can be loaded and / or installed on device 700 via ROM 702 and / or communication unit 709. When the computer program is loaded into RAM 703 and executed by the computing unit 701, one or more steps of the supply chain financing model generation method described above can be performed. Alternatively, in other embodiments, the computing unit 701 can be configured to perform the supply chain financing model generation method by any other suitable means (e.g., by means of firmware).
[0177] Various embodiments of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field-programmable gate arrays (FPGAs), application-specific integrated circuits (ASICs), application-specific standard products (ASSPs), systems-on-a-chip (SoCs), payload-programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments may include implementations in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which may be a dedicated or general-purpose programmable processor, capable of receiving data and instructions from a storage system, at least one input device, and at least one output device, and transmitting data and instructions to the storage system, the at least one input device, and the at least one output device.
[0178] The program code used to implement the methods of this disclosure may be written in any combination of one or more programming languages. This program code may be provided to a processor or controller of a general-purpose computer, special-purpose computer, or other programmable data processing apparatus, such that when executed by the processor or controller, the program code causes the functions / operations specified in the flowcharts and / or block diagrams to be implemented. The program code may be executed entirely on a machine, partially on a machine, as a standalone software package partially on a machine and partially on a remote machine, or entirely on a remote machine or server.
[0179] In the context of this disclosure, a machine-readable medium can be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, apparatus, or device. A machine-readable medium can be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium can be, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, apparatus, or devices, or any suitable combination of the foregoing. More specific examples of machine-readable storage media include electrical connections based on one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing.
[0180] To provide interaction with a user, the systems and techniques described herein can be implemented on a computer having: a display device for displaying information to the user (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor); and a keyboard and pointing device (e.g., a mouse or trackball) through which the user provides input to the computer. Other types of devices can also be used to provide interaction with the user; for example, feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including sound input, voice input, or tactile input).
[0181] The systems and technologies described herein can be implemented in computing systems that include backend components (e.g., as a data server), or computing systems that include middleware components (e.g., an application server), or computing systems that include frontend components (e.g., a user computer with a graphical user interface or web browser through which a user can interact with embodiments of the systems and technologies described herein), or any combination of such backend, middleware, or frontend components. The components of the system can be interconnected via digital data communication of any form or medium (e.g., a communication network). Examples of communication networks include local area networks (LANs), wide area networks (WANs), and the Internet.
[0182] Computer systems can include clients and servers. Clients and servers are generally geographically separated and typically interact via communication networks. The client-server relationship is established by computer programs running on the respective computers and having a client-server relationship with each other. The server can be a cloud server, also known as a cloud computing server or cloud host, a host product within the cloud computing service system, addressing the shortcomings of traditional physical hosts and VPS services ("Virtual Private Server," or simply "VPS") in terms of management difficulty and weak business scalability. The server can also be a server for a distributed system or a server integrated with blockchain. It should be understood that the various forms of processes shown above can be used, with steps reordered, added, or deleted. For example, the steps described in this disclosure can be executed in parallel, sequentially, or in different orders, as long as the desired result of the technical solution disclosed in this disclosure is achieved; this is not limited herein.
[0183] The specific embodiments described above do not constitute a limitation on the scope of protection of this disclosure. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this disclosure should be included within the scope of protection of this disclosure.
Claims
1. A method for generating a financing model in a supply chain, characterized in that, Applied to backend servers, including: Read at least one basic functional module from the module library; the basic functional module is a mathematical model capable of implementing some functions of the financial model. In response to a model generation request for a target associated entity in the core entity, the business type of the target associated entity and the core entity is determined; Based on the business type, a target functional module is determined from at least one of the basic functional modules; Output the target functional module to the user; Based on the target functional module, determine the public parameters, product parameters, platform parameters, and business district parameters that are associated with the target functional module; Based on the inheritance relationship of the business district parameters, platform parameters, product parameters, and public parameters, the business district parameter data of the business district parameters, the platform parameter data of the platform parameters, the product parameter data of the product parameters, and the public parameter data of the public parameters are determined in sequence. Detect the user's confirmation operation triggered by the target functional module; Based on the target functional module, a financing model for the target associated entity is generated, and a financing page corresponding to the financing model is obtained; the financing page is output to the user who initiated the model generation request so that the user terminal displays the financing page; wherein, generating a financing model for the target associated entity and obtaining a financing page corresponding to the financing model based on the target functional module includes: generating a business circle model in the financing model based on the business circle parameter data; the business circle model includes at least one business circle content information; generating a platform sub-model in the financing model based on the platform parameter data; the platform sub-model includes at least one platform rule information; generating a product sub-model in the financing model based on the product parameter data; the product sub-model includes at least one product rule information; generating a financing system sub-model in the financing model based on the public parameter data; the financing system sub-model includes displaying a financing rule information; determining the financing model based on the business circle model, the platform sub-model, the product sub-model, and the financing system sub-model; and determining the business circle page corresponding to the business circle model, the platform page corresponding to the platform sub-model, the product page corresponding to the product sub-model, and the financing system page corresponding to the financing system sub-model, respectively. The steps for establishing at least one basic functional module in the module library are as follows: Identify at least one related entity in at least one supply chain; the supply chain includes a core entity and related entities that have supply relationships with the core entity; Based on the business relationship between at least one of the related entities and the corresponding core entity, determine the financing demand information corresponding to at least one of the related entities; The financing demand information corresponding to at least one of the associated entities is deduplicated to obtain at least one target financing demand information. Generate a financing basic module for the target financing demand information to obtain at least one financing basic module corresponding to each of the target financing demand information; Identify at least one financing demand information corresponding to at least one basic financing module in the module library.
2. The method according to claim 1, characterized in that, The at least one target financing demand information includes one or more of the following: announcement demand information, accounts receivable information, order display information, and document filling information; The module for generating the financing foundation for the target financing demand information includes: Generate at least one announcement information module for the aforementioned announcement requirement information; Generate at least one accounts receivable display module for the accounts receivable information; Generate at least one order display module for the aforementioned order display information; Alternatively, generate at least one form filling module for the form filling information; The step of determining that at least one financing demand information corresponds to at least one basic financing module in the module library includes: At least one of the aforementioned announcement information modules, at least one of the aforementioned account display modules, at least one of the aforementioned order display modules, and / or at least one of the aforementioned document filling modules are identified as at least one of the aforementioned basic functional modules in the module library.
3. The method according to claim 1, characterized in that, The business district parameters include: private business district parameters belonging to a specific business district and public business district parameters belonging to all business districts; the platform parameters include: private platform parameters belonging to a specific platform and public platform parameters belonging to all platforms; the product parameters include: private product parameters belonging to a specific product and public product parameters belonging to all products; the public parameters include public system parameters belonging to all financing systems.
4. The method according to claim 1, characterized in that, The inheritance relationship of the business district parameters, platform parameters, product parameters, and public parameters includes: the business district parameters inherit from the platform parameters, the platform parameters inherit from the product parameters, and the product parameters inherit from the public parameters; The step of determining the business district parameter data, platform parameter data, product parameter data, and public parameter data in sequence according to the inheritance relationship of the business district parameters, platform parameters, product parameter data, and public parameter data includes: System parameter data that determines the common parameter data; Based on the system parameter data and the data set by the user for the product parameters, the product parameter data is obtained. Based on the product parameter data and the data set by the user for the platform parameters, the platform parameter data is obtained. Based on the platform parameter data and the data set by the user for the business district parameters, the business district parameter data is obtained.
5. The method according to claim 1, characterized in that, After generating the financing model of the target associated entity based on the target functional module and obtaining the financing page corresponding to the financing model, the process further includes: Detect the financing request initiated by the target associated entity and output the financing page to the target associated entity; Obtain the financing information provided by the target associated entity on the financing page; The financing information is reviewed and processed to obtain the financing results of the target related entity, and the financing results are output to the target related entity.
6. A financing model generation device in a supply chain, characterized in that, Applied to backend servers, including: The module reading unit is used to read at least one basic functional module from the module library; the basic functional module is a mathematical model that can realize some functions of the financial model. A type determination unit is used to determine the business type of the target associated subject and the core subject in response to a model generation request for a target associated subject in the core subject; The target determination unit is configured to determine a target functional module from at least one of the basic functional modules based on the business type. The model processing unit is used to generate a financing model of the target associated entity based on the target functional module, and obtain the financing page corresponding to the financing model; The page determination unit is used to output the financing page to the user who initiated the model generation request, so that the financing page is displayed on the user's end. The device further includes: The association determination unit is used to determine at least one associated entity in at least one supply chain; the supply chain includes a core entity and associated entities that have a supply relationship with the core entity; The information determination unit is used to determine the financing demand information corresponding to at least one related entity based on the business relationship between at least one related entity and the core entity. The information deduplication unit is used to deduplicatize the financing demand information corresponding to at least one related entity to obtain at least one target financing demand information. The module generation unit is used to generate a financing basic module for the target financing demand information, so as to obtain at least one financing basic module corresponding to each target financing demand information. The module determination unit is used to determine that the financing basic module corresponding to at least one financing demand information is at least one basic functional module in the module library; A module output unit is used to output the target functional module to the user. The parameter acquisition unit is used to acquire the parameter data set by the user for the target function module, and to detect the confirmation operation triggered by the user for the target function module; The model processing unit includes: The first processing module is used to generate a financing model for the target associated entity based on the parameter data of the target functional module, and obtain the financing page corresponding to the financing model; The parameter acquisition unit includes: The parameter determination module is used to determine the public parameters, product parameters, platform parameters, and business district parameters that are related to the target functional module, based on the target functional module. The relationship determination module is used to determine the business district parameter data, platform parameter data, product parameter data, and public parameter data in sequence according to the inheritance relationship of business district parameters, platform parameters, product parameters, and public parameters. The first processing module includes: The first generation submodule is used to generate a business district model in the financing model based on the business district parameter data; the business district model includes at least one business district content information. The second generation submodule is used to generate a platform sub-model in the financing model based on the platform parameter data; the platform sub-model includes at least one platform rule information; The third generation submodule is used to generate a product sub-model in the financing model based on the product parameter data; the product sub-model includes at least one product rule information; The fourth generation submodule is used to generate a financing system sub-model in the financing model based on the public parameter data; the financing system sub-model includes displaying financing rule information; The model determination submodule is used to determine the financing model based on the business circle model, the platform submodel, the product submodel, and the financing system submodel. The page generation submodule is used to determine the business circle page corresponding to the business circle model, the platform page corresponding to the platform submodel, the product page corresponding to the product submodel, and the financing system page corresponding to the financing system submodel.
7. An electronic device, comprising: At least one processor; as well as A memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor to enable the at least one processor to perform the method of any one of claims 1-5.