A Supply Chain Finance Order Financing Reinsurance System and Method

Abstract

This invention discloses a supply chain finance order financing reinsurance system and method. The system includes: an order financing management module, a reinsurance management module, a guarantee company business system, and a reinsurance management database. During the loan disbursement stage, this invention can connect multiple guarantee institutions and facilitate the signing of a guarantee entrustment contract and pledge contract between the borrower and the main guarantor. The main guarantor provides a full guarantee to the financial institution and issues a guarantee letter, while multiple collaborating guarantee institutions provide guarantee letters to the main guarantor in proportion to their respective obligations. During the repayment stage, based on the amount of guarantee liability released by the financial institution after the borrower repays the loan, the main guarantor's guarantee liability is released, and the corresponding guarantee amounts of the collaborating guarantee institutions are released proportionally.

Description

Technical Field

[0001] This invention relates to the field of financing technology, and in particular to a supply chain finance order financing reinsurance system and method. Background Technology

[0002] Currently, the reinsurance model in the financing process is conducted offline, which results in a long confirmation time for reinsurance and makes it difficult for reinsurance institutions to share information on counter-guarantees. Summary of the Invention

[0003] The purpose of this invention is to provide a supply chain finance order financing reinsurance system and method to accelerate the efficiency of reinsurance business, ensure information sharing of counter-guarantees among reinsurance institutions, and conduct joint control of counter-guarantees.

[0004] To achieve the above objectives, the present invention provides the following solution:

[0005] A supply chain finance order financing reinsurance system includes: an order financing management module, a reinsurance management module, a guarantee company business system, and a reinsurance management database;

[0006] The order financing management module includes:

[0007] The loan disbursement unit is used to apply for the issuance of letters of guarantee based on financing information and signed contracts;

[0008] The repayment unit is used to apply for the release of the guarantee based on the repayment information and the corresponding loan disbursement information.

[0009] The reinsurance management module includes:

[0010] The reinsurance pre-configuration unit, connected to the loan disbursement unit, is used to determine whether to reinsure and to determine the configuration content based on the guarantee issuance application; the configuration content includes the list of cooperating guarantee companies participating in reinsurance, the reinsurance ratio, and the reinsurance premium rate.

[0011] The letter of guarantee issuance application unit is connected to the reinsurance pre-configuration unit. It is used to split the letter of guarantee issuance application into a main letter of guarantee issuance application and a cooperative letter of guarantee issuance application according to the configuration content, and store them in the reinsurance management database; and to determine the success of the letter of guarantee issuance application and send the result to the order financing management module.

[0012] The guarantee release application unit is connected to the repayment unit and the reinsurance pre-configuration unit. It is used to split the guarantee release application into a main guarantee release application and a cooperative guarantee release application according to the guarantee release application and configuration content, and store them in the reinsurance management database.

[0013] The aforementioned guarantee company business system consists of separate business systems for each guarantee company, used to receive notifications of successful guarantee letter issuance applications and successful guarantee letter release applications.

[0014] Optionally, the order financing management module further includes: a collateral management unit, used to store information on counter-collateral corresponding to the guarantee letter, and to notify financial institutions to make loan disbursements and process funds.

[0015] Optionally, the reinsurance management module further includes: a counter-guarantee information management unit, used to determine the counter-guarantee information corresponding to the guarantee letter and store the counter-guarantee information into the reinsurance management database in accordance with the requirements of the relevant guarantee company.

[0016] Optionally, the reinsurance management module further includes: a core business system interface unit of the guarantee company, used to send the application for issuance of guarantee letter, the application for release of guarantee letter and information on counter-guarantees to the corresponding guarantee company, and send notifications according to the agreement with the business systems of each guarantee company, and receive / query the corresponding status, and record the results in the reinsurance management database.

[0017] This invention also provides a supply chain finance order financing reinsurance method, comprising:

[0018] Apply for a letter of guarantee based on financing information and signed contracts;

[0019] The application for issuance of the guarantee letter determines whether reinsurance is necessary and the configuration details are determined; the configuration details include the list of cooperating guarantee companies participating in the reinsurance, the reinsurance ratio, and the reinsurance premium rate.

[0020] If reinsurance is possible, the application for issuing a guarantee shall be split into an application for issuing a main guarantee and an application for issuing a cooperative guarantee, according to the configuration content.

[0021] Guarantee and sub-guarantee shall be provided in accordance with the application for issuance of the main guarantee letter and the application for issuance of the cooperative guarantee letter;

[0022] Apply for the release of the guarantee based on the repayment information and the corresponding loan disbursement information;

[0023] Based on the application for termination of the guarantee and the contents of the configuration, the application for termination of the guarantee is divided into an application for termination of the main guarantee and an application for termination of the cooperative guarantee.

[0024] The guarantee was released in accordance with the application for release of the main guarantee and the application for release of the cooperative guarantee.

[0025] According to specific embodiments provided by the present invention, the present invention discloses the following technical effects:

[0026] This invention enables reinsurance business through a systematic approach, accelerating its efficiency and ensuring information sharing and coordinated control of counter-guarantees among reinsurance institutions. During the loan disbursement phase, this invention connects multiple guarantee institutions and facilitates the signing of a guarantee entrustment contract and pledge contract between the borrower and the primary guarantor. The primary guarantor provides a full guarantee to the financial institution and issues a guarantee letter, while multiple collaborating guarantee institutions provide guarantee letters to the primary guarantor in proportion to their respective obligations. During the repayment phase, based on the amount of guarantee liability released by the financial institution after the borrower repays the loan, the primary guarantor's guarantee liability is released, and the corresponding guarantee amounts of the collaborating guarantee institutions are released proportionally. Attached Figure Description

[0027] To more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the drawings used in the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0028] Figure 1 This is a structural block diagram of the supply chain finance order financing reinsurance system according to an embodiment of the present invention. Detailed Implementation

[0029] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0030] The purpose of this invention is to provide a supply chain finance order financing reinsurance system and method to accelerate the efficiency of reinsurance operations, ensure information sharing of counter-guarantees among reinsurance institutions, and enable coordinated control of counter-guarantees.

[0031] To make the above-mentioned objects, features and advantages of the present invention more apparent and understandable, the present invention will be further described in detail below with reference to the accompanying drawings and specific embodiments.

[0032] like Figure 1 As shown, the present invention provides a supply chain finance order financing reinsurance system, including: an order financing management module, a reinsurance management module, a guarantee company business system, and a reinsurance management database.

[0033] The order financing management module is divided into loan disbursement and repayment units.

[0034] The lending unit initiates supply chain finance order financing for the borrower from a financial institution and signs a guarantee agreement and pledge agreement online with the corresponding main guarantor. The lending unit then obtains financing-related information and sends the signed contracts to the reinsurance management module to apply for the issuance of a letter of guarantee.

[0035] The repayment unit allows the borrower to apply for partial early repayment from the financial institution and pay the corresponding principal, interest, and related guarantee fees. The repayment unit then sends the repayment information and corresponding loan disbursement information to the reinsurance management module to apply for the release of the guarantee.

[0036] The order financing management module also includes a collateral management unit, which stores information on the counter-collateral corresponding to the guarantee letter, and is used to notify financial institutions to make loan disbursements and process funds.

[0037] The reinsurance management module is divided into reinsurance process control functions, which manage the issuance of guarantee letters by the main guarantor and cooperating guarantors, synchronize the information of counter-guarantees, and notify the business systems of each guarantee company to release the guarantee liability.

[0038] The reinsurance management module is mainly divided into a guarantee issuance application unit, a reinsurance pre-configuration unit, a guarantee termination application unit, a counter-guarantee information management unit, and a core business system integration unit of the guarantee company.

[0039] The reinsurance pre-configuration unit is used to set whether reinsurance is required for each guarantee application, the list of cooperating guarantor companies participating in the reinsurance, the reinsurance ratio, the reinsurance premium rate, and other configuration details. This configuration is pre-configured by product operations personnel based on the agreements (customers, amounts, regions, etc.) between the main guarantor company and the cooperating guarantor companies.

[0040] After receiving a guarantee application from the loan disbursement unit, the guarantee application unit queries the corresponding configuration in the reinsurance pre-configuration unit based on the conditions. According to the configuration, the guarantee application is split into a main guarantee application and a cooperative guarantee application, and stored in the reinsurance management database. Subsequently, the system queries (through the guarantee company's system integration) for the main guarantee application and the cooperative guarantee application results are initiated. If results are found, the success of the guarantee application is determined according to the rules, and the overall result is fed back to the order financing management module. An overall result means that if any cooperative guarantee company or the main guarantee company disagrees to issue the guarantee, the overall result is considered a failure, and the guarantee company that has already agreed to issue the guarantee needs to be notified via the interface to withdraw its approval. If both the main guarantee company and the cooperative guarantee companies agree to issue the guarantee, the overall result is considered a success.

[0041] After receiving a guarantee release application from the repayment unit, the guarantee release application unit verifies the validity of the guarantee to be released and whether the outstanding amount is sufficient. If release is possible, it queries the corresponding configuration in the reinsurance pre-configuration module. According to the configuration, the guarantee release application is split into a primary guarantee release application and a secondary guarantee release application, and stored in the reinsurance management database. Subsequently, it queries the results of the primary and secondary guarantee releases. If the query result is a failure, it initiates a guarantee release failure notification logic to inform operations personnel of the failure. If all results are successful, the overall result is fed back to the order financing management module.

[0042] The counter-guarantee information management unit queries the reinsurance management database for successfully completed but not yet released guarantee letters according to the system's preset frequency, and queries the corresponding counter-guarantee information through the collateral information management unit, storing the counter-guarantee information into the reinsurance management database according to the requirements of the relevant guarantee company.

[0043] The core business system interface unit of the guarantee company queries the reinsurance management database at a preset frequency for guarantee letter issuance applications, guarantee letter cancellation applications, and counter-guarantee information notifications that need to be sent to the corresponding guarantee companies. It also sends relevant notifications according to the agreement with the business systems of each guarantee company, receives / queries the corresponding status, and records the results in the reinsurance management database.

[0044] The guarantee company's business system is a separate business system for each guarantee company. This business system needs to expose unified services such as issuing guarantee applications for the reinsurance management module to call.

[0045] This invention also provides a supply chain finance order financing reinsurance method, comprising:

[0046] Apply for a letter of guarantee based on financing information and signed contracts;

[0047] The application for issuance of the guarantee letter determines whether reinsurance is necessary and the configuration details are determined; the configuration details include the list of cooperating guarantee companies participating in the reinsurance, the reinsurance ratio, and the reinsurance premium rate.

[0048] If reinsurance is possible, the application for issuing a guarantee shall be split into an application for issuing a main guarantee and an application for issuing a cooperative guarantee, according to the configuration content.

[0049] Guarantee and sub-guarantee shall be provided in accordance with the application for issuance of the main guarantee letter and the application for issuance of the cooperative guarantee letter;

[0050] Apply for the release of the guarantee based on the repayment information and the corresponding loan disbursement information;

[0051] Based on the application for termination of the guarantee and the contents of the configuration, the application for termination of the guarantee is divided into an application for termination of the main guarantee and an application for termination of the cooperative guarantee.

[0052] The guarantee was released in accordance with the application for release of the main guarantee and the application for release of the cooperative guarantee.

[0053] The specific operating procedure is as follows:

[0054] Step 1: The borrower initiates a supply chain finance order financing application through the order financing management module. They then apply to the main guarantor for a guarantee letter to be issued to the lending institution, and sign a guarantee agreement and pledge agreement online with the main guarantor in the order financing module.

[0055] Step 2: Guarantee Issuance. The reinsurance management module, based on the pre-configured reinsurance models for each borrower and lending institution, sends guarantee issuance applications to each collaborating guarantee company according to the loan amount multiplied by the guarantee ratio, and provides customer loan details. Each collaborating guarantee company's business system issues the guarantee letter. If any collaborating guarantee company's business system refuses to issue the guarantee letter, the entire transaction fails.

[0056] Step 3: The reinsurance management module submits the guarantees and financing information issued by each collaborating guarantee company to the main guarantee company's business system to apply for the issuance of a guarantee letter. If the main guarantee company's business system refuses to issue the guarantee letter, the entire transaction fails.

[0057] Step 4: After the guarantee letter is successfully issued, the order financing management module applies to the lending institution for loan disbursement. After the loan is disbursed, the reinsurance management module will notify the main guarantor's business system and the business systems of each cooperating guarantor of the loan disbursement result and require the guarantee letter to take effect.

[0058] Step 4: Notification of changes in collateral. During the insurance period, information on the collateral is sent to the main guarantor's business system and the business systems of each cooperating guarantor.

[0059] Step 5: Release of Guarantee Liability. After the order financing management module receives confirmation from the customer that the loan has been successfully repaid to the lending institution, it notifies the reinsurance management module. The reinsurance management module sends a partial release application for the guarantee, calculated as the repayment amount multiplied by the corresponding guarantee ratio, to the main guarantor's business system and the business systems of each collaborating guarantor. This reduces the remaining guarantee amount. When the remaining guarantee amount is zero, the guarantee liability is released.

[0060] This invention can connect multiple guarantee institutions during the loan disbursement stage and complete the signing of a guarantee entrustment contract and a pledge contract between the borrower and the main guarantee institution. The main guarantee institution provides full guarantee to the financial institution for the borrower and issues a guarantee letter, while multiple cooperating guarantee institutions provide guarantee letters to the main guarantee institution in proportion.

[0061] In the repayment phase, this invention releases the guarantee liability of the main guarantor based on the amount of guarantee liability that the financial institution agrees to release after the borrower repays the loan, and simultaneously releases the corresponding guarantee amount of the cooperating guarantor in proportion.

[0062] The various embodiments in this specification are described in a progressive manner, with each embodiment focusing on the differences from other embodiments. The same or similar parts between the various embodiments can be referred to each other.

[0063] This document uses specific examples to illustrate the principles and implementation methods of the present invention. The descriptions of the above embodiments are only for the purpose of helping to understand the method and core ideas of the present invention. Furthermore, those skilled in the art will recognize that, based on the ideas of the present invention, there will be changes in the specific implementation methods and application scope. Therefore, the content of this specification should not be construed as a limitation of the present invention.

Claims

1. A supply chain finance order financing reinsurance system, characterized in that, The application relates to an order financing management system and method. The order financing management module comprises: a loan unit configured to apply for a guarantee letter according to financing information and a signed contract; a repayment unit configured to apply for cancellation of the guarantee letter according to repayment information and corresponding loan information; The guarantee management module comprises: a guarantee pre-configuration unit connected to the loan unit and configured to determine whether to participate in guarantee and determine configuration content according to the guarantee letter application; the configuration content comprises a list of cooperative guarantee companies participating in guarantee, a guarantee ratio and a guarantee rate; a guarantee letter application unit connected to the guarantee pre-configuration unit and configured to split the guarantee letter application into a main guarantee letter application and a cooperative guarantee letter application according to the configuration content, store the applications in the guarantee management database, and determine the success of the guarantee letter application and send the result to the order financing management module; specifically, the guarantee letter application unit receives the guarantee letter application initiated by the loan unit, queries the corresponding configuration content in the guarantee pre-configuration unit according to the condition, splits the guarantee letter application into a main guarantee letter application and a cooperative guarantee letter application according to the configuration content, stores the applications in the guarantee management database, and subsequently queries the main guarantee letter application result and the cooperative guarantee letter application result; if the result is queried, the success of the guarantee letter application is determined according to the rules, and the overall result is fed back to the order financing management module; if one of the cooperative guarantee companies or the main guarantee company does not agree to issue the guarantee letter, the overall result is failed, and the guarantee companies that have agreed to issue the guarantee letter are notified to cancel the guarantee letter through an interface; if the main guarantee company and the cooperative guarantee company all agree to issue the guarantee letter, the overall result is successful; a guarantee letter cancellation application unit connected to the repayment unit and the guarantee pre-configuration unit and configured to split the guarantee letter cancellation application into a main guarantee letter cancellation application and a cooperative guarantee letter cancellation application according to the guarantee letter cancellation application and the configuration content, and store the applications in the guarantee management database; The guarantee company business system is a different business system for each guarantee company, and is configured to receive a guarantee letter application success notification and a guarantee letter cancellation application success notification. The order financing management module further comprises a pledge management unit configured to store corresponding counter-guarantee information of the guarantee letter and notify a financial institution to make a loan and process funds.

2. The supply chain finance order financing reinsurance system according to claim 1, characterized in that, The guarantee management module further comprises a counter-guarantee information management unit configured to determine corresponding counter-guarantee information of the guarantee letter and store the counter-guarantee information in the guarantee management database according to the requirements of the related guarantee company.

3. The supply chain finance order financing reinsurance system according to claim 1, wherein, The guarantee management module further comprises a guarantee company core business system docking unit configured to send the guarantee letter application, the guarantee letter cancellation application and the counter-guarantee information to the corresponding guarantee company, send a notification according to the agreement with the business system of each guarantee company, receive / query the corresponding state, and record the result in the guarantee management database.

4. The supply chain finance order financing reinsurance system according to claim 1, characterized in that, The application relates to an order financing management system and method.

5. A supply chain finance order financing reinsurance method, characterized in that, The application relates to an order financing management system and method. ​ Determine whether to participate in reinsurance and determine configuration content according to the guarantee application; the configuration content includes a list of cooperative guarantee companies participating in reinsurance, a reinsurance ratio, and a reinsurance rate; If reinsurance is possible, split the guarantee application into a main guarantee application and a cooperative guarantee application according to the configuration content; specifically including: querying the corresponding configuration content according to the conditions; according to the configuration content, split the guarantee application into a main guarantee application and a cooperative guarantee application, and store them in the reinsurance management database; subsequently, query the main guarantee application result and the cooperative guarantee application result; if the result is queried, determine whether the guarantee application is successful according to the rules, and feed back the overall result to the order financing management module; the overall result refers to if one of the cooperative guarantee companies or the main guarantee company does not agree to issue a guarantee, the overall result is a failure, and the guarantee company that has agreed to issue a guarantee needs to be notified to be cancelled through an interface; if the main guarantee company and the cooperative guarantee company all agree to issue a guarantee, the overall result is a success; Guarantee and sub-guarantee according to the main guarantee application and the cooperative guarantee application; Apply for guarantee cancellation according to the repayment information and the corresponding loan information; Split the guarantee cancellation application into a main guarantee cancellation application and a cooperative guarantee cancellation application according to the guarantee cancellation application and the configuration content; Guarantee cancellation according to the main guarantee cancellation application and the cooperative guarantee cancellation application.

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