Guarantee Management Method and System

Abstract

The present invention provides a guarantee management method and system. The method includes: obtaining a financing application request initiated by a small and micro enterprise with financing needs; according to the financing identifier and inheritance relationship, searching for a first guarantee plan that is consistent with the financing identifier among the guarantee plans maintained in different dimensions; preprocessing the first guarantee plan, and invoking the guarantee sub-item providing system to perform quota preemption on the preprocessed first guarantee plan to obtain the actual usage of the guarantor; after receiving the flag indicating that the repayment party has completed the repayment, according to the liability amount corresponding to the guarantee sub-item in the actual usage of the guarantee plan, invoking each guarantee sub-item providing system to release the quota. In this solution, after the first guarantee plan is found according to the financing identifier and inheritance relationship, quota preemption is performed on the preprocessed first guarantee plan, and after receiving the flag indicating that the repayment party has completed the repayment, quota release is performed, so as to form a flexible and configurable guarantee management.

Description

Technical Field

[0001] The present invention relates to the technical field of informatization of guarantee services, and particularly to a guarantee management method and system. Background Art

[0002] With the development of the supply chain finance market, financing scenarios are becoming increasingly diverse. Many business entities have a wide business coverage, and there are more and more forms and platforms for providing guarantees for their financing, making the types of guarantee supply chain financing business diverse and the management content complicated.

[0003] In the prior art, guarantee management is achieved by providing scattered guarantee materials. This guarantee management method can only obtain a single guarantee providing method each time it is used. For small and micro enterprises in supply chain financing, they face the problem of "difficult financing". The guarantee management method of providing scattered guarantee materials cannot provide intelligent services for multi-form guarantee vouchers, multi-guarantee platforms, and multi-guarantor management.

[0004] It can be seen from this that there is an urgent need for a flexible and configurable guarantee management method. Summary of the Invention

[0005] In view of this, embodiments of the present invention provide a guarantee management method and system to achieve the purpose of flexible and configurable guarantee management.

[0006] To achieve the above purpose, the embodiments of the present invention provide the following technical solutions:

[0007] A first aspect of an embodiment of the present invention discloses a guarantee management method, and the method includes:

[0008] Obtain a financing application request initiated by a small and micro enterprise with financing needs. The enterprise is any enterprise in the same business circle on the supply chain. The business circle is a dimension, and the number of objects accessed by the business circle is different, and the dimensions are also different. There is an inheritance relationship between the guarantee schemes maintained in different dimensions. The financing application request includes at least the financing amount and a financing identifier. The financing identifier is used to specify any pre-configured guarantee scheme, and each guarantee scheme is set with an identifier;

[0009] According to the financing identifier and the inheritance relationship, find the first guarantee scheme that is consistent with the financing identifier among the guarantee schemes maintained in different dimensions;

[0010] Preprocess the first guarantee scheme, and call the guarantee sub-item providing system to perform quota preemption on the preprocessed first guarantee scheme to obtain the actual usage of the guarantor;

[0011] After receiving the sign that the repayment party has completed the repayment, according to the commitment amount of the corresponding guarantee sub-item in the actual usage of the guarantee plan, call each of the guarantee sub-item providing systems to release the amount.

[0012] Optionally, the process of pre-configuring the guarantee plan includes:

[0013] Obtain multiple guarantee sub-items corresponding to each of the guarantee sub-item providing systems;

[0014] For each of the guarantee sub-items, register the guarantee sub-item into the corresponding guarantee form according to the guarantee form classification information in the database to obtain a new database;

[0015] According to the guarantee plan category, define and configure the guarantee sub-items in the new database to obtain multiple guarantee plans.

[0016] Optionally, the step of, according to the guarantee plan category, defining and configuring the guarantee sub-items in the new database to obtain multiple guarantee plans includes:

[0017] If the guarantee plan category is single-person guarantee, set the guarantee providing priority for each guarantee sub-item in the new database;

[0018] Determine each of the guarantee sub-items as a guarantee group, and set a default guarantee providing ratio for each of the guarantee groups to obtain multiple guarantee plans.

[0019] Optionally, the step of, according to the guarantee plan category, defining and configuring the guarantee sub-items in the database to obtain multiple guarantee plans includes:

[0020] If the guarantee plan category is multi-person guarantee, group the guarantee sub-items in the database according to the guarantee providing ratio of each guarantor to obtain multiple guarantee groups, where the sum of the guarantee providing ratios corresponding to all the guarantee groups is 100%, and each guarantee sub-item in the same guarantee group corresponds to the same guarantee providing ratio;

[0021] Set the guarantee providing priority for each guarantee sub-item in the same guarantee group to obtain multiple guarantee plans.

[0022] Optionally, the step of, according to the financing identifier and the inheritance relationship, searching for the first guarantee plan that is the same as the financing identifier among the guarantee plans maintained in different dimensions includes:

[0023] According to the financing identifier, determine whether the current dimension is maintained;

[0024] If the current dimension is not maintained, according to the inheritance relationship, search for the first combined guarantee plan that is the same as the financing identifier in the guarantee plans maintained by the dimensions upward from the current dimension;

[0025] If the current dimension has been maintained, according to the inheritance relationship, search for the second combined guarantee plan that is the same as the financing identifier in the guarantee plans maintained by the dimensions downward from the current dimension;

[0026] Based on the financing application amount, obtain the first guarantee plan that matches the financing application amount from the first combined guarantee plan or the second combined guarantee plan.

[0027] Optionally, preprocess the first guarantee plan, and call the guarantee sub-item providing system to preempt the quota of the preprocessed first guarantee plan to obtain the actual usage of the guarantor, including:

[0028] Divide the first guarantee plan into multiple blocks according to the guarantee grouping and the guarantee providing ratio, and each block corresponds to a guarantee providing ratio and a number;

[0029] Check in turn whether the balance of each block covers the corresponding ratio of the total guarantee amount required for supply chain financing;

[0030] If none of the blocks cover, end the operation;

[0031] If any block is partially uncovered, according to the guarantee providing priority of the guarantee sub-items in the block, check in turn whether the balance of each guarantee sub-item in the block covers the corresponding ratio of the total guarantee amount required for supply chain financing until the guarantee sub-item whose balance in the block covers the corresponding ratio of the total guarantee amount required for supply chain financing is determined and the number is recorded;

[0032] If all the blocks are covered, select any guarantee sub-item in each block, and record the numbers of the selected guarantee sub-items in each block;

[0033] Call the guarantee sub-item providing system in turn to preempt the quota to obtain the actual usage of the guarantor.

[0034] A second aspect of the embodiments of the present invention discloses a guarantee management system, and the system includes:

[0035] An acquisition module for acquiring a financing application request initiated by a small and micro enterprise with financing needs, where the enterprise is any enterprise in the same business circle on the supply chain. The business circle is a dimension, and the number of objects accessed by the business circle is different, and the dimensions are also different. There is an inheritance relationship between the guarantee schemes maintained in different dimensions. The financing application request includes at least the financing amount and a financing identifier, and the financing identifier is used to specify any pre-configured guarantee scheme, and each guarantee scheme is set with an identifier;

[0036] A search module for searching for a first guarantee scheme that is consistent with the financing identifier among the guarantee schemes maintained in different dimensions according to the financing identifier and the inheritance relationship;

[0037] A preprocessing and quota preemption module for preprocessing the first guarantee scheme and calling the guarantee sub-item providing system to perform quota preemption on the preprocessed first guarantee scheme to obtain the actual usage situation of the guarantor;

[0038] A quota release module for, after receiving the flag that the repayment party has completed repayment, calling each of the guarantee sub-item providing systems to perform quota release according to the bearing quota of the corresponding guarantee sub-item in the actual usage situation of the guarantee scheme.

[0039] Optionally, it further includes: a predefined module for pre-configuring guarantee schemes;

[0040] The pre-configuration module includes:

[0041] An acquisition unit for acquiring a plurality of guarantee sub-items corresponding to each of the guarantee sub-item providing systems;

[0042] A registration unit for registering each of the guarantee sub-items into the corresponding guarantee form according to the guarantee form classification information in the database for each of the guarantee sub-items to obtain a new database;

[0043] A definition and configuration unit for performing definition and configuration on the guarantee sub-items in the new database according to the guarantee scheme category to obtain a plurality of guarantee schemes.

[0044] Optionally, the definition and configuration unit is specifically used for:

[0045] If the guarantee scheme category is single-person guarantee, set the guarantee providing priority for each guarantee sub-item in the new database; determine each of the guarantee sub-items as a guarantee group, and set the default guarantee providing ratio for each guarantee group to obtain a plurality of guarantee schemes.

[0046] Optionally, the definition and configuration unit is further specifically used for:

[0047] If the category of the guarantee plan is multi-person guarantee, group the guarantee sub-items in the database according to the guarantee provision ratio of each guarantor to obtain multiple guarantee groups. Among them, the sum of the guarantee provision ratios corresponding to all the guarantee groups is 100%, and each guarantee sub-item in the same guarantee group corresponds to the same guarantee provision ratio; set the guarantee provision priority for each guarantee sub-item in the same guarantee group to obtain multiple guarantee plans.

[0048] Based on the guarantee management method and system provided by the above embodiments of the present invention, the method includes: obtaining a financing application request initiated by a small and micro enterprise with financing needs. The enterprise is any enterprise in the same business circle on the supply chain. The business circle is a dimension, and the number of objects accessed by the business circle is different, and the dimensions are also different. There is an inheritance relationship between the guarantee plans maintained in different dimensions. The financing application request includes at least the financing amount and the financing identifier. The financing identifier is used to specify any pre-configured guarantee plan, and each guarantee plan is set with an identifier; according to the financing identifier and the inheritance relationship, find the first guarantee plan that is the same as the financing identifier among the guarantee plans maintained in different dimensions; preprocess the first guarantee plan, and call the guarantee sub-item providing system to preempt the quota of the preprocessed first guarantee plan to obtain the actual usage of the guarantor; after receiving the sign that the repayment party has completed the repayment, according to the bearing quota of the corresponding guarantee sub-item in the actual usage of the guarantee plan, call each guarantee sub-item providing system to release the quota. In this solution, after finding the first guarantee plan according to the financing identifier and the inheritance relationship, preempt the quota of the preprocessed first guarantee plan, and after receiving the sign that the repayment party has completed the repayment, release the quota according to the bearing quota of the corresponding guarantee sub-item in the obtained actual usage of the guarantee plan, so as to form a guarantee management with diverse combination methods and flexible dimension control. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for the description of the embodiments or the prior art. Obviously, the drawings in the following description are only the embodiments of the present invention. For those of ordinary skill in the art, other drawings can be obtained according to the provided drawings without creative efforts.

[0050] Figure 1 It is a schematic flowchart of a guarantee management method provided by an embodiment of the present invention;

[0051] Figure 2 It is a principle block diagram of a quota release provided by an embodiment of the present invention;

[0052] Figure 3Schematic diagram of a process for pre-configuring a guarantee plan provided by an embodiment of the present invention;

[0053] Figure 4 Schematic diagram of a process for defining and configuring guarantee sub-items in a new database provided by an embodiment of the present invention;

[0054] Figure 5 Principle block diagram of a guarantee plan definition provided by an embodiment of the present invention;

[0055] Figure 6 Schematic diagram of a process for finding a first guarantee plan consistent with a financing identifier provided by an embodiment of the present invention;

[0056] Figure 7 Principle block diagram of a process for finding a matching guarantee plan provided by an embodiment of the present invention;

[0057] Figure 8 Schematic diagram of a process for pre-empting the amount of a pre-processed first guarantee plan provided by an embodiment of the present invention;

[0058] Figure 9 Principle block diagram of a guarantee plan pre-processing and amount pre-emption provided by an embodiment of the present invention;

[0059] Figure 10 Schematic diagram of the structure of a guarantee management system provided by an embodiment of the present invention. Detailed implementation manners

[0060] Next, the technical solutions in the embodiments of the present invention will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0061] In this application, the term "including", "comprising" or any other variation thereof is intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements not only includes those elements, but also includes other elements not expressly listed, or elements inherent to such process, method, article or device. Without further limitation, the element defined by the statement "including a..." does not exclude the existence of additional identical elements in the process, method, article or device including the said element.

[0062] In the description and claims of this application and the above-mentioned drawings, terms such as "first", "second", "third", "fourth", etc. (if any) are used to distinguish similar objects and do not necessarily describe a specific order or sequence. It should be understood that the data used in this way can be interchanged under appropriate circumstances so that the embodiments described here can be implemented in an order other than that illustrated or described here.

[0063] To facilitate the understanding of the technical solution of the present invention, the technical terms appearing in the present invention are described as follows:

[0064] Supply chain financing: A financing model that takes the core enterprises in the supply chain and their related upstream and downstream supporting enterprises as a whole, and formulates an overall financial solution based on the control of goods rights and cash flow according to the trading relationships and industry characteristics of the enterprises in the supply chain. Supply chain financing solves the problems of difficult and expensive financing for upstream and downstream enterprises, and by breaking through the financing bottlenecks of upstream and downstream, it can also reduce the financing cost of the supply chain and improve the competitiveness of core enterprises and supporting enterprises.

[0065] Business circle: In supply chain financing, it is a circle for managing commercial trade activities among upstream or downstream enterprises around the core enterprise.

[0066] Multiple business circles: In the scenario of supply chain financing, a customer has trade relationships with multiple core enterprises and can conduct financing in multiple business circles.

[0067] Guarantee sub-item: The guarantee sub-item can be various forms of guarantee manifestations. In the non-credit financing model of the supply chain, it includes a maximum amount guarantee contract, a general guarantee contract, a guarantee commitment letter, etc.

[0068] As can be seen from the background technology, the existing guarantee management method of providing materials for scattered guarantees cannot provide intelligent services for multi-form guarantee vouchers, multi-guarantee platforms, and multi-guarantor management.

[0069] Therefore, the embodiments of the present invention provide a guarantee management method and system. In this solution, after the first guarantee plan is found according to the financing identifier and inheritance relationship, the amount of the first guarantee plan after preprocessing is preempted. After receiving the flag that the repayment party has completed the repayment, the amount is released according to the amount borne by the corresponding guarantee sub-item in the actual usage of the guarantee plan obtained, so as to form a guarantee management with diverse combination methods and flexible dimension control.

[0070] As Figure 1 shown, it is a schematic flowchart of a guarantee management method provided by an embodiment of the present invention. This method mainly includes the following steps:

[0071] Step S101: Obtain a financing application request initiated by a small and micro enterprise with financing needs.

[0072] In step S101, the enterprise is any enterprise in the same business district on the supply chain.

[0073] The business district is a dimension. The number of objects accessed by the business district is different, and the dimensions are also different. There is an inheritance relationship between the guarantee schemes maintained by different dimensions.

[0074] Among them, the scope of the business district is large, and a public scope information is maintained in one business district.

[0075] It should be noted that different dimensions include but are not limited to business district, business district + platform, business district + platform + product, business district + platform + product + customer, and business district + platform + product + customer + single financing.

[0076] There is a different permutation and combination relationship among the five dimensions of business district, business district + platform, business district + platform + product, business district + platform + product + customer, and business district + platform + product + customer + single financing, that is, the relationship between father and son.

[0077] When the dimension in the sub-relationship is not maintained, the guarantee scheme maintained by the dimension in the parent-relationship is read.

[0078] When the dimension in the sub-relationship is maintained, the maintained guarantee scheme is read sequentially downward in the dimension of this sub-relationship.

[0079] It should be noted that the above relationship between father and son is the inheritance relationship.

[0080] Among them, the platform refers to the external platform corresponding to the financing initiated by the customer.

[0081] The product refers to products including order loan, accounts receivable loan, warehouse receipt loan, etc. divided according to the business model in supply chain financing.

[0082] It should be noted that if platform A and platform B can be settled in a certain business district, the business district information can be obtained through either platform A or platform B.

[0083] In a certain business district, different products can also be done, and the business district information can be obtained through this product.

[0084] The financing application request includes at least the financing amount and the financing identifier.

[0085] The financing identifier is used to specify any pre-configured guarantee scheme.

[0086] Each guarantee scheme is set with an identifier.

[0087] In the specific implementation of step S101, when a small and micro enterprise in a business district on the supply chain seeks financing, it initiates a financing application request based on its financing needs, and then obtains the financing application request initiated by the small and micro enterprise with financing needs, that is, obtains the financing amount and financing identification initiated by the small and micro enterprise with financing needs.

[0088] Step S102: according to the financing identifier and the inheritance relationship, searching for the first guarantee scheme that is consistent with the financing identifier among the guarantee schemes maintained in different dimensions.

[0089] In the specific implementation of step S102, guarantee schemes maintained in different dimensions are obtained according to the financing identifier and the inheritance relationship, and a first guarantee scheme consistent with the financing identifier is searched among the guarantee schemes maintained in different dimensions.

[0090] That is to say, based on the financing identification and inheritance relationship, we obtain the guarantee plans maintained in five dimensions, namely, business district, business district + platform, business district + platform + product, business district + platform + product + customer, and business district + platform + product + customer + single financing, and then search for the first guarantee plan that is consistent with the financing identification among the guarantee plans maintained in these five dimensions.

[0091] Optionally, in a specific embodiment, according to the financing identifier, a first guarantee scheme among pre-configured guarantee schemes that is consistent with the financing identifier is determined.

[0092] Step S103: pre-process the first guarantee scheme, and call the guarantee sub-item providing system to preempt the quota of the pre-processed first guarantee scheme to obtain the actual usage of the guarantor.

[0093] In the process of implementing step S103, after finding the first guarantee plan, the first guarantee plan is obtained, the first guarantee plan is preprocessed to obtain the preprocessed first guarantee plan, and the guarantee sub-item providing system is called to grab the quota of the preprocessed first guarantee plan to obtain the actual usage of the guarantor.

[0094] Step S104: after receiving the mark indicating that the repayment has been completed by the repayer, the system providing each guarantee sub-item is called to release the amount according to the amount of the corresponding guarantee sub-item in the actual use of the guarantee plan.

[0095] In step S104, the sign that the repayer has completed the repayment includes but is not limited to the voucher balance.

[0096] It should be noted that after the repayer completes the repayment, a voucher balance is generated, in which the balance is cleared to zero, indicating that the repayment has been completed.

[0097] In the process of specifically implementing step S104, after receiving the sign that the repayment party of the supply chain financing has completed the repayment, determine the actual usage of the guarantor obtained in the previous process, and according to the amount borne by the corresponding guarantee sub-item in the actual usage of the guarantee plan, call the systems providing each guarantee sub-item for quota release.

[0098] As Figure 2 shown, it is a principle block diagram of quota release provided by an embodiment of the present invention.

[0099] In Figure 2 it, after the repayment party of the supply chain financing completes the repayment, determine the actual usage of the guarantor obtained in the previous process, and according to the amount borne by the corresponding guarantee sub-item in the actual usage of the guarantee plan, call the systems providing each guarantee sub-item for quota release.

[0100] Based on a guarantee management method provided by an embodiment of the present invention, by obtaining a financing application request initiated by a small and micro enterprise with financing needs, the enterprise is any enterprise in the same business circle on the supply chain. The business circle is a dimension, and the number of objects accessed by the business circle is different, and the dimensions are also different. And there is an inheritance relationship between the guarantee plans maintained in different dimensions. The financing application request includes at least the financing amount and the financing identifier. The financing identifier is used to specify any pre-configured guarantee plan, and each guarantee plan is set with an identifier; according to the financing identifier and the inheritance relationship, find the first guarantee plan that is consistent with the financing identifier among the guarantee plans maintained in different dimensions; preprocess the first guarantee plan, and call the system providing the guarantee sub-item to preempt the quota for the preprocessed first guarantee plan to obtain the actual usage of the guarantor; after receiving the sign that the repayment party has completed the repayment, according to the amount borne by the corresponding guarantee sub-item in the actual usage of the guarantee plan, call the systems providing each guarantee sub-item for quota release. In this solution, after finding the first guarantee plan according to the financing identifier and the inheritance relationship, preempt the quota for the preprocessed first guarantee plan, and after receiving the sign that the repayment party has completed the repayment, release the quota according to the amount borne by the corresponding guarantee sub-item in the obtained actual usage of the guarantee plan, so as to form a guarantee management with diverse combination methods and flexible dimension control.

[0101] Based on the above-mentioned guarantee management method provided by an embodiment of the present invention, in the process of executing step S101 to obtain the financing application request initiated by a small and micro enterprise with financing needs, as Figure 3 shown, it is a flow schematic diagram of pre-configuring a guarantee plan provided by an embodiment of the present invention, mainly including the following steps:

[0102] Step S301: Obtain a plurality of guarantee sub-items corresponding to the systems providing each guarantee sub-item.

[0103] In the process of specifically implementing step S301, in the supply chain financing scenario, multiple guarantee sub-item providing systems are often connected, so multiple guarantee sub-items corresponding to each guarantee sub-item providing system are obtained.

[0104] Step S302: For each guarantee sub-item, register the guarantee sub-item into the corresponding guarantee form according to the guarantee form classification information in the database to obtain a new database.

[0105] In the process of specifically implementing step S302, for each guarantee sub-item, determine the guarantee form corresponding to the guarantee sub-item, and determine the guarantee form classification information in the database. Register the guarantee sub-item into the corresponding guarantee form according to the guarantee form classification information in the database to obtain a new database.

[0106] It can be understood that for each guarantee sub-item, determine the guarantee form corresponding to the guarantee sub-item and store it in the database according to the guarantee form.

[0107] Optionally, in a specific embodiment, for each guarantee sub-item, determine the business circle to which the guarantee sub-item belongs, and determine the business circle information in the database. Register the guarantee sub-item into the corresponding business circle according to the business circle information in the database to obtain a new database.

[0108] Step S303: According to the guarantee scheme category, perform definition and configuration on the guarantee sub-items in the new database to obtain multiple guarantee schemes.

[0109] In step S303, the guarantee scheme category includes but is not limited to single-person guarantee and multi-person guarantee.

[0110] In the process of specifically implementing step S303, according to the guarantee scheme category, perform definition and configuration on the guarantee sub-items in the new database to obtain multiple guarantee schemes, that is: if the guarantee scheme category is single-person guarantee, perform definition and configuration on the guarantee sub-items in the new database to obtain multiple single-person guarantee schemes; if the guarantee scheme category is multi-person guarantee, perform definition and configuration on the guarantee sub-items in the new database to obtain multiple multi-person guarantee schemes.

[0111] It should be noted that after obtaining the guarantee scheme, set an identifier for each guarantee scheme.

[0112] Optionally, in the process of executing step 303 to perform definition and configuration on the guarantee sub-items in the new database according to the guarantee scheme category to obtain multiple guarantee schemes, as Figure 4 shown, is a schematic flow chart of defining and configuring the guarantee sub-items in the new database provided by an embodiment of the present invention, mainly including the following steps:

[0113] Step S401: Determine whether the guarantee scheme type is single-person guarantee. If so, execute step S402; if not, execute step S404.

[0114] In the process of implementing step S401 specifically, it is determined whether the type of the guarantee plan is single-party guarantee. If so, step S402 is executed. If not, it means that the type of the guarantee plan is multi-party guarantee, and step S404 is executed.

[0115] It should be noted that single-party guarantee refers to the scenario where a single guarantor provides guarantee for the supply chain financing business. At this time, multiple guarantee plans are supported for maintenance, and single-item matching among multiple guarantee plans is supported during financing. Since it is provided by a single guarantor within the guarantee plan, proportional sharing and configuration within the guarantee plan are not supported, and the default provision ratio is 100%.

[0116] Multi-party guarantee means that multiple guarantors jointly undertake the guarantee for a certain financing. At this time, multiple guarantee plans are supported for maintenance, and single-item matching among multiple guarantee plans is supported during financing. Since it involves joint provision by multiple guarantors within the guarantee plan at this time, proportional sharing and group configuration within the guarantee plan are supported.

[0117] Step S402: Set the guarantee provision priority for each guarantee sub-item in the new database.

[0118] It should be noted that the guarantee provision priority is used to judge the usage situation of the amount of the guarantee sub-item at any guarantee provision priority.

[0119] Step S403: Determine each guarantee sub-item as a guarantee group, and set the default guarantee provision ratio for each guarantee group to obtain multiple guarantee plans.

[0120] Among them, this guarantee plan is a single-party guarantee plan.

[0121] Step S404: Group the guarantee sub-items in the database according to the guarantee provision ratio of each guarantor to obtain multiple guarantee groups.

[0122] In step S404, the sum value of the guarantee provision ratios corresponding to all guarantee groups is 100%.

[0123] Each guarantee sub-item in the same guarantee group corresponds to the same guarantee provision ratio.

[0124] It should be noted that the ratio of the guarantee sub-items maintained by the guarantor is proportional to the guarantee provision ratio of the guarantor. That is to say, the guarantee provision ratio is set according to how much the guarantor maintains.

[0125] Step S405: Set the guarantee provision priority for each guarantee sub-item in the same guarantee group to obtain multiple guarantee plans.

[0126] Among them, this guarantee plan is a multi-party guarantee plan.

[0127] It should be noted that each guarantee sub-item under the same guarantee group is used in sequence according to the guarantee provision priority, that is: after the quota of the guarantee sub-item with priority 1 is used up, then the quota of the guarantee sub-item with priority 2 is used, or, if the quota of the guarantee sub-item with priority 1 cannot be used, then the quota of the guarantee sub-item with priority 2 is used.

[0128] To better understand the above content, as Figure 5 shown, it is a principle block diagram of a defined guarantee scheme provided by an embodiment of the present invention.

[0129] In Figure 5 , after various guarantee sub-item forms from multiple source channels are warehoused, they are then uniformly configured and defined through the guarantee scheme. Specifically:

[0130] For each guarantee sub-item, according to the guarantee form classification information in the database, the corresponding guarantee sub-items obtained from the system for each guarantee sub-item are registered into the corresponding guarantee form to obtain a new database.

[0131] According to the guarantee scheme category, the guarantee sub-items in the new database are defined and configured. The specific configuration is as follows:

[0132] If the guarantee scheme category is single-person guarantee, set the guarantee provision priority for each guarantee sub-item in the new database, determine each guarantee sub-item as a guarantee group, and set the default guarantee provision ratio for each guarantee group to obtain multiple single-person guarantee schemes.

[0133] If the guarantee scheme category is multi-person guarantee, group the guarantee sub-items in the database according to the guarantee provision ratio of each guarantor to obtain multiple guarantee groups, and set the guarantee provision priority for each guarantee sub-item in the same guarantee group to obtain multiple multi-person guarantee schemes.

[0134] Based on a guarantee management method provided by an embodiment of the present invention, after each guarantee sub-item is warehoused in the guarantee form, according to the guarantee scheme category, the guarantee sub-items in the new database are defined and configured to obtain multiple guarantee schemes, thereby providing conditions for subsequent guarantee management, and further forming a guarantee management with diverse combination methods and flexible dimension control.

[0135] Based on the above-mentioned guarantee management method provided by an embodiment of the present invention, in the process of executing step S102 to find the first guarantee scheme consistent with the financing identifier among the guarantee schemes maintained in different dimensions according to the financing identifier and inheritance relationship, as Figure 6 shown, it is a flow schematic diagram of finding the first guarantee scheme consistent with the financing identifier provided by an embodiment of the present invention, mainly including the following steps:

[0136] Step S601: Determine whether the current dimension is maintained according to the financing identifier. If not, execute Step S602; if so, execute Step S603.

[0137] In the specific implementation process of Step S601, determine whether the current dimension is maintained according to the financing identifier. If not, it indicates that the current dimension is not maintained, and execute Step S602; if so, it indicates that the current dimension is maintained, and execute Step S603.

[0138] It should be noted that determine whether the current dimension is maintained according to whether an identifier consistent with the financing identifier is found.

[0139] Step S602: According to the inheritance relationship, find the first combined guarantee plan that is consistent with the financing identifier among the guarantee plans maintained by the dimension above the current dimension.

[0140] In the specific implementation process of Step S602, if it is determined that the current dimension is not maintained, then according to the inheritance relationship, determine the dimension above the current dimension, and determine the guarantee plan maintained by the dimension above the current dimension. Find the first combined guarantee plan that is consistent with the financing identifier among the guarantee plans maintained by the dimension above the current dimension.

[0141] Step S603: According to the inheritance relationship, find the second combined guarantee plan that is consistent with the financing identifier among the guarantee plans maintained by the dimension below the current dimension.

[0142] In the specific implementation process of Step S603, if it is determined that the current dimension is maintained, then according to the inheritance relationship, determine the dimension below the current dimension, and determine the guarantee plan maintained by the dimension below the current dimension. Find the second combined guarantee plan that is consistent with the financing identifier among the guarantee plans maintained by the dimension below the current dimension.

[0143] Step S604: Based on the financing application amount, obtain the first guarantee plan that matches the financing application amount from the first combined guarantee plan or the second combined guarantee plan.

[0144] In the specific implementation process of Step S604, based on the financing application amount, find and obtain the first guarantee plan that matches the financing application amount from the first combined guarantee plan, or find and obtain the first guarantee plan that matches the financing application amount from the second combined guarantee plan.

[0145] For better understanding of the above content, as Figure 7 shown, it is a principle block diagram of a method for finding a matching guarantee plan provided by an embodiment of the present invention.

[0146] In Figure 7In it, the current dimension (business district + platform + product + customer + single financing) is not maintained. According to the inheritance relationship, search for the guarantee plan maintained in the dimension above the current dimension in sequence until the first combined guarantee plan consistent with the financing identifier is found. Based on the financing application amount, search for the business district dimension guarantee plan matching the financing application amount from the first combined guarantee plan and obtain it together.

[0147] Based on a guarantee management method provided by an embodiment of the present invention, according to the financing identifier and the inheritance relationship, search for the first guarantee plan consistent with the financing identifier in the guarantee plans maintained in different dimensions, so as to form a guarantee management with diverse combination methods and flexible dimension control.

[0148] Based on the above-mentioned guarantee management method provided by an embodiment of the present invention, execute step S103 to preprocess the first guarantee plan, and call the guarantee sub-item providing system to preempt the amount of the preprocessed first guarantee plan to obtain the actual usage situation of the guarantor, as Figure 8 shown, which is a flowchart of preempting the amount of the preprocessed first guarantee plan provided by an embodiment of the present invention, mainly including the following steps:

[0149] Step S801: Divide the first guarantee plan into multiple blocks according to the guarantee group and the guarantee providing ratio.

[0150] In step S801, each block corresponds to a guarantee providing ratio and a number.

[0151] In the process of specifically implementing step S801, after finding the first guarantee plan, obtain the first guarantee plan and divide the first guarantee plan into multiple blocks according to the guarantee group and the guarantee providing ratio.

[0152] Step S802: Check in sequence whether the balance of each block covers the corresponding ratio of the total guarantee amount required for supply chain financing.

[0153] It should be noted that the balance of the block is the available amount of the block.

[0154] In the process of specifically implementing step S802, check in sequence whether the balance of each block covers the corresponding ratio of the total guarantee amount required for supply chain financing. When none of the blocks cover it, execute step S803; when any part of a block does not cover it, execute step S804; when all blocks cover it, execute step S805.

[0155] For example, for a financing of 1 million, guarantee contract A needs to guarantee 60%, that is, undertake 600,000, then the balance of the block should be greater than or equal to 600,000. In other words, to make the balance of the block cover the corresponding ratio of the total guarantee amount required for supply chain financing, the balance of the block should be greater than or equal to 600,000.

[0156] Step S803: End the operation.

[0157] In the process of specifically implementing step S803, if it is determined that the balance of any block does not cover the corresponding proportion of the total guarantee amount required for supply chain financing, then end the operation.

[0158] Step S804: According to the guarantee provision priority of the guarantee sub-items in the block, sequentially check whether the balance of each guarantee sub-item in the block covers the corresponding proportion of the total guarantee amount required for supply chain financing until a guarantee sub-item whose balance in the block covers the corresponding proportion of the total guarantee amount required for supply chain financing is determined and its number is recorded.

[0159] In the process of specifically implementing step S804, if it is determined that the balance of any block part does not cover the corresponding proportion of the total guarantee amount required for supply chain financing, then according to the guarantee provision priority of the guarantee sub-items in the block, first check whether the balance of the first guarantee sub-item in any block covers the corresponding proportion of the total guarantee amount required for supply chain financing. If it does not cover, check whether the balance of the second guarantee sub-item in this block covers the corresponding proportion of the total guarantee amount required for supply chain financing, until a guarantee sub-item whose balance in the block covers the corresponding proportion of the total guarantee amount required for supply chain financing is determined and its number is recorded.

[0160] That is to say, if it is determined that the balance of any block part does not cover the corresponding proportion of the total guarantee amount required for supply chain financing, then according to the guarantee provision priority of the guarantee sub-items in the block, sequentially check whether the balance of each guarantee sub-item in the block covers the corresponding proportion of the total guarantee amount required for supply chain financing until a guarantee sub-item whose balance in the block covers the corresponding proportion of the total guarantee amount required for supply chain financing is determined and its number is recorded.

[0161] Step S805: Select any guarantee sub-item in each block and record the numbers of the selected guarantee sub-items in each block.

[0162] In the process of specifically implementing step S805, if it is determined that the balances of all blocks cover the corresponding proportion of the total guarantee amount required for supply chain financing, then select any guarantee sub-item in each block and record the numbers of the selected guarantee sub-items in each block.

[0163] Step S806: Sequentially call the guarantee sub-item providing system to perform quota preemption to obtain the actual usage situation of the guarantor.

[0164] In the process of specifically implementing step S806, after recording the numbers of the selected guarantee sub-items in each block, sequentially call the guarantee sub-item providing system to perform quota preemption, so as to provide the corresponding proportion of guarantee for this financing and obtain the actual usage situation of the guarantor.

[0165] To better understand the above content, such asFigure 9 As shown, it is a principle block diagram of guarantee scheme preprocessing and quota preemption provided by an embodiment of the present invention.

[0166] exist Figure 9 In the process, after finding the business district dimension guarantee plan 1, the business district dimension guarantee plan 1 is obtained and pre-processed, that is, the business district dimension guarantee plan 1 is divided into 3 blocks according to the guarantee grouping and the guarantee provision ratio, and the balances of the 3 blocks are checked in turn to see whether they cover the corresponding proportion of the total amount of guarantee required for supply chain financing.

[0167] When it is determined that the balances of these three blocks do not cover the corresponding proportion of the total amount of guarantees required for supply chain financing, first check whether the balance of Guarantee Contract 1 in the first block covers the corresponding proportion of the total amount of guarantees required for supply chain financing according to the guarantee provision priority of the guarantee sub-items in the blocks. If not, check whether the balance of Guarantee Contract 2 in the first block covers the corresponding proportion of the total amount of guarantees required for supply chain financing. Determine that the guarantee sub-item in the block whose balance covers the corresponding proportion of the total amount of guarantees required for supply chain financing is Guarantee Contract 2, then select it and record the number.

[0168] The verification rules for the second block and the third block are the same as the verification rules for the first block, which can be referred to and will not be repeated here.

[0169] Finally, select Guarantee Contract 2, Guarantee Commitment Letter 1 and Guarantee Contract 4, and record their numbers. Then call the guarantee sub-item provision system in sequence to grab the quota, thereby providing a corresponding proportion of guarantee for the financing and obtaining the actual usage of the guarantor.

[0170] A guarantee management method provided in an embodiment of the present invention, after finding the first guarantee plan, divide the first guarantee plan into multiple blocks according to the guarantee grouping and the guarantee provision ratio, check in turn whether the balance of each block covers the corresponding proportion of the total guarantee amount required for supply chain financing, and then call the guarantee sub-item provision system in turn to grab the quota, so as to provide a corresponding proportion of guarantee for the financing, obtain the actual usage of the guarantor, and then form a guarantee management with diverse combinations and flexible dimensional control.

[0171] In order to better understand the guarantee management method provided by the above-mentioned embodiment of the present invention, the following examples are given to illustrate.

[0172] Assuming that a small micro enterprise with financing needs to raise RMB 1 million, the small micro enterprise initiates a financing application request, and according to the financing identifier A in the financing application request, determines that the identifier of the guarantee plan is A.

[0173] According to the financing identifier and inheritance relationship, find the first guarantee plan that is consistent with the financing identifier A among the guarantee plans maintained in different dimensions.

[0174] The first guarantee plan is divided into 2 blocks according to the guarantee grouping and the guarantee provision ratio, namely: Group A, with a guarantee provision ratio of 60%, having Guarantee Contract 1 and Guarantee Contract 2; Group B, with a guarantee provision ratio of 40%, having Guarantee Contract 3 and Guarantee Contract 4.

[0175] In actual application, the balance of one guarantee contract in Group A needs to cover 600,000. If the balance of Guarantee Contract 1 does not cover it, check the balance of Guarantee Contract 2. If Guarantee Contract 2 meets the requirement, select Guarantee Contract 2 and record its number.

[0176] In Group B, the balance of one guarantee contract needs to cover 400,000. If the balance of Guarantee Contract 3 covers it, select Guarantee Contract 3 and record its number.

[0177] Then, call the guarantee sub-item providing system to perform quota preemption, so as to provide guarantee for this financing in the corresponding ratio, and obtain the actual usage situation of the guarantor.

[0178] Finally, after receiving the sign that the repayment party has completed the repayment, according to the bearing quota of the corresponding guarantee sub-item in the actual usage situation of the guarantee plan, call each guarantee sub-item providing system to perform quota release.

[0179] Based on a guarantee management method provided by an embodiment of the present invention, after finding the first guarantee plan according to the financing identifier and inheritance relationship, perform quota preemption on the preprocessed first guarantee plan. After receiving the sign that the repayment party has completed the repayment, perform quota release according to the bearing quota of the corresponding guarantee sub-item in the obtained actual usage situation of the guarantee plan, so as to form a guarantee management with diverse combination methods and flexible dimension control.

[0180] Corresponding to a guarantee management method shown in the above embodiment of the present invention, an embodiment of the present invention also correspondingly provides a guarantee management system, as Figure 10 shown, this guarantee management system includes: an acquisition module 101, a search module 102, a preprocessing and quota preemption module 103, and a quota release module 104.

[0181] The acquisition module 101 is used to acquire a financing application request initiated by a small and micro enterprise with financing needs.

[0182] Among them, the enterprise is any enterprise in the same business circle on the supply chain. The business circle is a dimension. The number of objects accessed by the business circle is different, and the dimension is also different. And there is an inheritance relationship between the guarantee plans maintained in different dimensions. The financing application request includes at least the financing amount and the financing identifier. The financing identifier is used to specify any pre-configured guarantee plan, and each guarantee plan is set with an identifier.

[0183] A search module 102, configured to search for a first guarantee plan that is consistent with the financing identifier in the guarantee plans maintained in different dimensions according to the financing identifier and the inheritance relationship.

[0184] A preprocessing and quota preemption module 103, configured to preprocess the first guarantee plan and call the guarantee sub-item providing system to perform quota preemption on the preprocessed first guarantee plan to obtain the actual usage of the guarantor.

[0185] A quota release module 104, configured to, after receiving the flag indicating that the repayment party has completed the repayment, call each guarantee sub-item providing system to perform quota release according to the liability amount of the corresponding guarantee sub-item in the actual usage of the guarantee plan.

[0186] It should be noted that the specific principles and execution processes of the various modules in the guarantee management system disclosed in the above embodiments of the present invention are the same as those of the guarantee management method implemented by the present invention. For details, reference can be made to the corresponding parts in the guarantee management method disclosed in the above embodiments of the present invention, and no further elaboration will be provided here.

[0187] Based on a guarantee management system provided by an embodiment of the present invention, by obtaining a financing application request initiated by a small and micro enterprise with financing needs, the enterprise is any enterprise in the same business circle on the supply chain. The business circle is a dimension, and the number of objects accessed by the business circle is different, so the dimensions are different, and there is an inheritance relationship between the guarantee plans maintained in different dimensions. The financing application request includes at least the financing amount and the financing identifier. The financing identifier is used to specify any pre-configured guarantee plan, and each guarantee plan is set with an identifier; according to the financing identifier and the inheritance relationship, search for a first guarantee plan that is consistent with the financing identifier in the guarantee plans maintained in different dimensions; preprocess the first guarantee plan, and call the guarantee sub-item providing system to perform quota preemption on the preprocessed first guarantee plan to obtain the actual usage of the guarantor; after receiving the flag indicating that the repayment party has completed the repayment, call each guarantee sub-item providing system to perform quota release according to the liability amount of the corresponding guarantee sub-item in the actual usage of the guarantee plan. In this solution, after the first guarantee plan is found according to the financing identifier and the inheritance relationship, quota preemption is performed on the preprocessed first guarantee plan, and after receiving the flag indicating that the repayment party has completed the repayment, quota release is performed according to the liability amount of the corresponding guarantee sub-item in the obtained actual usage of the guarantee plan, so as to form a guarantee management with diverse combination methods and flexible dimension control.

[0188] Based on the above Figure 10 shown guarantee management system, in combination with Figure 10 , the guarantee management system is further provided with a predefined module for pre-configuring guarantee plans.

[0189] The pre-configuration module includes:

[0190] An acquisition unit, configured to acquire a plurality of guarantee sub-items corresponding to each guarantee sub-item providing system.

[0191] A registration unit, configured to register each guarantee sub-item into the corresponding guarantee form according to the guarantee form classification information in the database for each guarantee sub-item, so as to obtain a new database.

[0192] A definition and configuration unit, configured to perform definition and configuration on the guarantee sub-items in the new database according to the guarantee plan category, so as to obtain a plurality of guarantee plans.

[0193] Optionally, based on the above Figure 10 shown definition and configuration unit, the definition and configuration unit is specifically configured to:

[0194] If the guarantee plan category is individual guarantee, set a guarantee providing priority for each guarantee sub-item in the new database; determine each guarantee sub-item as a guarantee group, and set a default guarantee providing ratio for each guarantee group, so as to obtain a plurality of guarantee plans.

[0195] Optionally, based on the above Figure 10 shown definition and configuration unit, the definition and configuration unit is further specifically configured to:

[0196] If the guarantee plan category is multiple-person guarantee, group the guarantee sub-items in the database according to the guarantee providing ratio of each guarantor, so as to obtain a plurality of guarantee groups, wherein the sum of the guarantee providing ratios corresponding to all guarantee groups is 100%; set a guarantee providing priority for each guarantee sub-item in the same guarantee group, so as to obtain a plurality of guarantee plans.

[0197] Based on a guarantee management system provided by an embodiment of the present invention, after each guarantee sub-item is stored in the database in the form of a guarantee form, definition and configuration are performed on the guarantee sub-items in the new database according to the guarantee plan category, so as to obtain a plurality of guarantee plans, thereby providing conditions for subsequent guarantee management, and further forming a guarantee management with diverse combination methods and flexible dimension control.

[0198] Optionally, based on the above Figure 10 shown search module 102, the search module 102 includes:

[0199] A judgment unit, configured to judge whether the current dimension is maintained according to the financing identifier. If the current dimension is not maintained, execute the first search unit; if the current dimension is already maintained, execute the second search unit.

[0200] A first search unit, configured to search for a first combined guarantee plan that is consistent with the financing identifier in the guarantee plans maintained by the dimension above the current dimension according to the inheritance relationship.

[0201] A second search unit, configured to search, according to the inheritance relationship, for a second combined guarantee plan that is the same as the financing identifier in the guarantee plans maintained for the dimensions below the current dimension.

[0202] An obtaining unit, configured to obtain, based on the financing application amount, a first guarantee plan that matches the financing application amount from the first combined guarantee plan or the second combined guarantee plan.

[0203] Based on a guarantee management system provided by an embodiment of the present invention, according to the financing identifier and the inheritance relationship, a first guarantee plan that is the same as the financing identifier is searched in the guarantee plans maintained for different dimensions, so as to form a guarantee management with diverse combination methods and flexible dimension control.

[0204] Optionally, based on the above Figure 10 The preprocessing and quota preemption module 103 shown in the figure, the preprocessing and quota preemption module 103 includes:

[0205] A dividing unit, configured to divide the first guarantee plan into multiple blocks according to the guarantee grouping and the guarantee providing ratio.

[0206] Wherein, each block corresponds to a guarantee providing ratio and a number.

[0207] A verification unit, configured to sequentially verify whether the balance of each block covers the corresponding ratio of the total guarantee amount required for supply chain financing.

[0208] A first processing unit, configured to end the operation if none of the blocks cover.

[0209] A second processing unit, configured to, if any part of any block is not covered, sequentially verify whether the balance of each guarantee sub-item in the block covers the corresponding ratio of the total guarantee amount required for supply chain financing according to the guarantee providing priority of the guarantee sub-items in the block, until a guarantee sub-item whose balance in the block covers the corresponding ratio of the total guarantee amount required for supply chain financing is determined and the number is recorded.

[0210] A third processing unit, configured to, if all blocks are covered, select any guarantee sub-item in each block and record the numbers of the selected guarantee sub-items in each block.

[0211] A quota preemption unit, configured to sequentially call the guarantee sub-item providing system for quota preemption to obtain the actual usage situation of the guarantee party.

[0212] Based on a guarantee management system provided by an embodiment of the present invention, after finding the first guarantee plan, the first guarantee plan is divided into multiple blocks according to guarantee grouping and guarantee provision ratio, and the balance of each block is sequentially verified whether it covers the corresponding ratio of the total guarantee amount required for supply chain financing. Then, the guarantee sub-item providing system is sequentially called for quota preemption, so as to provide the corresponding ratio of guarantee for this financing, obtain the actual usage of the guarantor, and further form a guarantee management with diverse combination methods and flexible dimension control.

[0213] Each embodiment in this specification is described in a progressive manner. The same or similar parts among the embodiments can be referred to each other, and the differences between each embodiment and other embodiments are emphasized. In particular, for a system or a system embodiment, since it is basically similar to a method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment. The systems and system embodiments described above are merely illustrative. The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed to multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment. A person of ordinary skill in the art can understand and implement it without creative work.

[0214] Those skilled in the art can further realize that the units and algorithm steps of each example described in combination with the embodiments disclosed in this article can be implemented by electronic hardware, computer software, or a combination of the two. To clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described according to functions in the above description. Whether these functions are executed in a hardware or software manner depends on the specific application and design constraints of the technical solution. Skilled professionals can use different methods to implement the described functions for each specific application, but this implementation should not be considered to exceed the scope of the present invention.

[0215] The above description of the disclosed embodiments enables those skilled in the art to implement or use the present invention. Various modifications to these embodiments will be obvious to those skilled in the art, and the general principles defined herein can be implemented in other embodiments without departing from the spirit or scope of the present invention. Therefore, the present invention will not be limited to these embodiments shown in this article, but will conform to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A guarantee management method, characterized in that, The method includes: Obtaining a financing application request initiated by a small and micro enterprise with financing needs, where the enterprise is any enterprise in the same business circle on the supply chain. The business circle is a dimension, and the number of objects accessed by the business circle is different, and the dimensions are also different. There is an inheritance relationship between the guarantee schemes maintained in different dimensions. The financing application request includes at least the financing amount and a financing identifier, and the financing identifier is used to specify any pre-configured guarantee scheme, and each guarantee scheme is set with an identifier; According to the financing identifier and the inheritance relationship, searching for a first guarantee scheme that is consistent with the financing identifier among the guarantee schemes maintained in different dimensions; Preprocessing the first guarantee scheme and calling the guarantee sub-item providing system to preempt the amount of the preprocessed first guarantee scheme to obtain the actual usage of the guarantor; After receiving the flag that the repayment party has completed the repayment, calling each of the guarantee sub-item providing systems to release the amount according to the liability amount corresponding to the guarantee sub-item in the actual usage of the guarantee scheme; Among them, the step of searching for a first guarantee scheme that is consistent with the financing identifier among the guarantee schemes maintained in different dimensions according to the financing identifier and the inheritance relationship includes: Judging whether the current dimension is maintained according to the financing identifier; If the current dimension is not maintained, searching for a first combined guarantee scheme that is consistent with the financing identifier among the guarantee schemes maintained in the dimension above the current dimension according to the inheritance relationship; If the current dimension is maintained, searching for a second combined guarantee scheme that is consistent with the financing identifier among the guarantee schemes maintained in the dimension below the current dimension according to the inheritance relationship; Based on the financing application amount, obtaining a first guarantee scheme that matches the financing application amount from the first combined guarantee scheme or the second combined guarantee scheme.

2. The method according to claim 1, wherein The process of pre-configuring the guarantee scheme includes: Obtaining a plurality of guarantee sub-items corresponding to each of the guarantee sub-item providing systems; For each guarantee sub-item, registering the guarantee sub-item into the corresponding guarantee form according to the guarantee form classification information in the database to obtain a new database; According to the guarantee scheme category, defining and configuring the guarantee sub-items in the new database to obtain a plurality of guarantee schemes.

3. The method according to claim 2, characterized in that, The step of defining and configuring the guarantee sub-items in the new database according to the guarantee scheme category to obtain a plurality of guarantee schemes includes: If the guarantee scheme category is single-person guarantee, setting a guarantee providing priority for each guarantee sub-item in the new database; Determining each guarantee sub-item as a guarantee group and setting a default guarantee providing ratio for each guarantee group to obtain a plurality of guarantee schemes.

4. The method according to claim 2, wherein The step of defining and configuring the guarantee sub-items in the database according to the guarantee scheme category to obtain a plurality of guarantee schemes includes: If the guarantee scheme category is multi-person guarantee, grouping the guarantee sub-items in the database according to the guarantee providing ratio of each guarantor to obtain a plurality of guarantee groups, where the sum of the guarantee providing ratios corresponding to all the guarantee groups is 100%, and each guarantee sub-item in the same guarantee group corresponds to the same guarantee providing ratio; Set the guarantee priority for each guarantee sub-item in the same guarantee group to obtain multiple guarantee plans.

5. The method according to claim 1, wherein Preprocess the first guarantee plan and call the guarantee sub-item providing system to perform quota preemption on the preprocessed first guarantee plan to obtain the actual usage of the guarantor, including: Divide the first guarantee plan into multiple blocks according to the guarantee group and the guarantee providing ratio, and each block corresponds to a guarantee providing ratio and a number; Check in sequence whether the balance of each block covers the corresponding ratio of the total guarantee amount required for supply chain financing; If none of the blocks cover, end the operation; If any block is partially uncovered, check in sequence whether the balance of each guarantee sub-item in the block covers the corresponding ratio of the total guarantee amount required for supply chain financing according to the guarantee providing priority of the guarantee sub-items in the block, until determining the guarantee sub-item whose balance in the block covers the corresponding ratio of the total guarantee amount required for supply chain financing and recording the number; If all the blocks cover, select any guarantee sub-item in each block and record the numbers of the selected guarantee sub-items in each block; Call the guarantee sub-item providing system in sequence to perform quota preemption to obtain the actual usage of the guarantor.

6. A guarantee management system, characterized in that, The system includes: An acquisition module, configured to acquire a financing application request initiated by a small and micro enterprise with financing needs. The enterprise is any enterprise in the same business circle on the supply chain. The business circle is a dimension, and the number of objects accessed by the business circle is different, and the dimensions are also different. There is an inheritance relationship between the guarantee plans maintained by different dimensions. The financing application request includes at least the financing amount and a financing identifier. The financing identifier is used to specify any pre-configured guarantee plan, and each guarantee plan is set with an identifier; A search module, configured to search for a first guarantee plan that is consistent with the financing identifier among the guarantee plans maintained by different dimensions according to the financing identifier and the inheritance relationship; A preprocessing and quota preemption module, configured to preprocess the first guarantee plan and call the guarantee sub-item providing system to perform quota preemption on the preprocessed first guarantee plan to obtain the actual usage of the guarantor; A quota release module, configured to, after receiving the flag that the repayment party has completed repayment, call each guarantee sub-item providing system to perform quota release according to the bearing quota of the corresponding guarantee sub-item in the actual usage of the guarantee plan; Among them, the search module includes: A judgment unit, configured to judge whether the current dimension is maintained according to the financing identifier; if the current dimension is not maintained, execute the first search unit, and if the current dimension is maintained, execute the second search unit; The first search unit is configured to search for a first combined guarantee plan that is consistent with the financing identifier among the guarantee plans maintained by the dimension above the current dimension according to the inheritance relationship; The second search unit is configured to search for a second combined guarantee plan that is consistent with the financing identifier among the guarantee plans maintained by the dimension below the current dimension according to the inheritance relationship; An acquisition unit, configured to acquire, based on the financing application amount, a first guarantee plan that matches the financing application amount from the first combined guarantee plan or the second combined guarantee plan.

7. The system according to claim 6, wherein It further includes: A predefined module, configured to pre-configure guarantee plans; The predefined module includes: An acquisition unit, configured to acquire a plurality of guarantee sub-items corresponding to each of the guarantee sub-item providing systems; A registration unit, configured to register each of the guarantee sub-items into the corresponding guarantee form according to the guarantee form classification information in the database for each of the guarantee sub-items, so as to obtain a new database; A definition and configuration unit, configured to perform definition and configuration on the guarantee sub-items in the new database according to the guarantee plan category, so as to obtain a plurality of guarantee plans.

8. The system according to claim 7, characterized in that, The definition and configuration unit is specifically configured to: If the guarantee plan category is single-person guarantee, set a guarantee providing priority for each of the guarantee sub-items in the new database; determine each of the guarantee sub-items as a guarantee group, and set a default guarantee providing ratio for each of the guarantee groups, so as to obtain a plurality of guarantee plans.

9. The system according to claim 7, wherein The definition and configuration unit is further specifically configured to: If the guarantee plan category is multi-person guarantee, group the guarantee sub-items in the database according to the guarantee providing ratio of each guarantor, so as to obtain a plurality of guarantee groups, where the sum value of the guarantee providing ratios corresponding to all the guarantee groups is 100%, and each guarantee sub-item in the same guarantee group corresponds to the same guarantee providing ratio; set a guarantee providing priority for each of the guarantee sub-items in the same guarantee group, so as to obtain a plurality of the guarantee plans.

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