Credit line management system and method based on supply chain finance

Abstract

The invention discloses a credit granting amount and degree management system and method based on supply chain finance, and belongs to the technical field of supply chain finance management, and the system comprises an enterprise settlement platform module which obtains the information of a settled enterprise and carries out the authentication of the enterprise; the credit granting platform module is a plurality of cooperation qualification parties with credit granting authority; according to the invention, in the business development based on supply chain finance, centralized management and control are carried out on the credit line and financing line of multiple capital parties of a core enterprise to realize multi-dimensional cross management and control of credit use, credit management, credit return and the like, after the technology is used, the enterprise credit management timeliness can be greatly improved, the enterprise does not need to adapt to various constraint conditions in different scenes, and the enterprise credit management efficiency is improved. After the technology is used, the quotas of multiple credit extension banks can be managed in a one-stop manner, the credit extension of multiple banks can be flexibly configured and used during business development, the purposes that the quotas can be used immediately and the quotas can be looked up immediately are really achieved, and manpower, timeliness and financial management are greatly improved.

Description

Technical Field

[0001] The present invention belongs to the technical field of supply chain finance management, and in particular relates to a credit line management system and method based on supply chain finance. Background Art

[0002] At present, the supply chain finance market mainly relies on offline credit to cooperate with the banking system to do credit management, and third-party technology platforms led by banking technology companies to do credit management through technical means. However, in actual business, many companies are unwilling to connect with such platforms when obtaining credit, or the technology platforms lack professionalism and technological strength, resulting in insufficient system flexibility and security. Summary of the invention

[0003] The purpose of the present invention is to propose a credit line management system and method based on supply chain finance in order to solve the above-mentioned problems.

[0004] On the one hand, in order to achieve the above-mentioned purpose, the present invention adopts the following technical solution: a credit line management system based on supply chain finance, which includes:

[0005] The enterprise settlement platform module obtains the information of settled enterprises and authenticates them;

[0006] The credit granting platform module includes multiple cooperative investors with credit granting authority;

[0007] API dynamic adaptation module, which combines the enterprise logo in the enterprise entry platform module to enable the credit platform module to provide the enterprise with credit lines from different cooperative investors;

[0008] The credit rule module obtains the enterprise credit line information of the enterprise entering the platform module and performs batch processing of the underlying rule set to ensure that the credit is managed and the credit line is used under the premise of satisfying the rule set;

[0009] In the scenario operation module, after the enterprise settles in, it will obtain the corresponding credit through API or configuration. If there is no credit certificate of equal amount, the credit will be checked after the certificate is issued. The maximum certificate issued cannot exceed the total credit obtained. After the certificate expires, the credit certificate of equal amount can be returned, used, and managed.

[0010] The data pool module synchronously obtains the data generated by the scenario operation module and produces matching data analysis plans according to the different data demands of different enterprises.

[0011] As a further description of the above technical solution:

[0012] Enterprises access the enterprise entry platform module through SAAS.

[0013] As a further description of the above technical solution:

[0014] The credit platform modules include credit banks, credit factoring and N-level credit financiers.

[0015] As a further description of the above technical solution:

[0016] The data pool module dynamically accesses the financial funds analysis and control module to realize multi-terminal control.

[0017] On the other hand, in order to achieve the above-mentioned purpose, the present invention adopts the following method: a credit line management method based on supply chain finance, which comprises the following steps:

[0018] 1) Enterprise settlement: The enterprise accesses the enterprise settlement platform module, fills in the settlement enterprise authentication information, and the enterprise settlement platform module authenticates the enterprise;

[0019] 2) Enterprise credit: After successful authentication, the API dynamic adaptation module combines the enterprise logo in the enterprise entry platform module to provide the enterprise with credit lines from different cooperative investors;

[0020] 3) Credit rule authentication: The credit rule module obtains the enterprise credit limit information of the enterprise entry platform module and performs batch processing of the underlying rule set to ensure that credit is managed and the credit limit is used under the premise of meeting the rule set;

[0021] 4) Scenario operation: After the enterprise settles in, it will obtain the corresponding credit of the settled enterprise through API or configuration. If there is no credit certificate of equal amount, the credit will be checked after the certificate is issued. The maximum certificate issued cannot exceed the total credit obtained. After the certificate expires, the credit certificate of equal amount can be returned, used, and managed. The whole life cycle of credit management needs to be synchronized to the data pool module;

[0022] 5) Data pool analysis: The data pool module produces matching data analysis plans based on the different data demands of different enterprises.

[0023] In summary, due to the adoption of the above technical solution, the beneficial effects of the present invention are:

[0024] In the present invention, by conducting business based on supply chain finance, the credit lines and financing lines of multiple investors of core enterprises are centrally controlled to realize multi-dimensional cross-control of credit use, credit management, and credit repayment. The use of this technology can greatly improve the timeliness of enterprise credit management. Enterprises do not need to adapt to various constraints in different scenarios. After using this technology, they can manage the credit lines of multiple credit banks in one stop, and flexibly configure and use the credit of multiple banks when conducting business, so that they can be used as soon as they are needed and checked as soon as they are checked, which has greatly improved manpower, timeliness, and financial management. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] Figure 1 The block diagram is a credit line management system based on supply chain finance.

[0026] Figure 2 The figure is a flow chart of a credit line management method based on supply chain finance. DETAILED DESCRIPTION

[0027] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0028] See also Figure 1-2 The present invention provides a technical solution: a credit line management system and method based on supply chain finance, comprising:

[0029] The enterprise settlement platform module obtains the information of settled enterprises and authenticates them;

[0030] The credit granting platform module includes multiple cooperative investors with credit granting authority;

[0031] API dynamic adaptation module, which combines the enterprise logo in the enterprise entry platform module to enable the credit platform module to provide the enterprise with credit lines from different cooperative investors;

[0032] The credit rule module obtains the enterprise credit line information of the enterprise entering the platform module and performs batch processing of the underlying rule set to ensure that the credit is managed and the credit line is used under the premise of satisfying the rule set;

[0033] In the scenario operation module, after the enterprise settles in, it will obtain the corresponding credit through API or configuration. If there is no credit certificate of equal amount, the credit will be checked after the certificate is issued. The maximum certificate issued cannot exceed the total credit obtained. After the certificate expires, the credit certificate of equal amount can be returned, used, and managed.

[0034] The data pool module synchronously obtains the data generated by the scenario operation module and produces matching data analysis plans according to the different data demands of different enterprises;

[0035] Enterprises access the enterprise entry platform module through SAAS;

[0036] The credit platform module includes credit banks, credit factoring and N-level credit funding parties;

[0037] The data pool module dynamically accesses the financial capital analysis and control module to realize multi-terminal control;

[0038] Embodiment 1:

[0039] S01: Enterprise settlement: The enterprise accesses the enterprise settlement platform module and fills in the enterprise settlement authentication information. The enterprise settlement platform module authenticates the enterprise;

[0040] S02: Enterprise credit: After successful authentication, the API dynamic adaptation module combines the enterprise logo in the enterprise entry platform module to provide the enterprise with credit lines from different cooperative investors. The credit platform module is one or more of the credit banks, credit factoring and N-level credit investors;

[0041] S03: Credit rule authentication: The credit rule module obtains the enterprise credit limit information of the enterprise entry platform module and performs batch processing of the underlying rule set to ensure that credit is managed and the credit limit is used under the premise of meeting the rule set;

[0042] S04: Scenario operation: After the enterprise settles in, it will obtain the corresponding credit of the settled enterprise through API or configuration. If there is no credit certificate of equal amount, the credit will be checked after the certificate is issued. The maximum certificate issued cannot exceed the total credit obtained. After the certificate expires, the credit certificate of equal amount can be returned, used, and managed. The whole life cycle of credit management needs to be synchronized to the data pool module;

[0043] S05: Data pool analysis: The data pool module produces matching data analysis plans based on the different data demands of different enterprises.

[0044] Embodiment 2:

[0045] S01: Enterprise settlement: The enterprise accesses the enterprise settlement platform module through SAAS, fills in the settlement enterprise authentication information, and the enterprise settlement platform module authenticates the enterprise;

[0046] S02: Enterprise credit: After successful authentication, the API dynamic adaptation module combines the enterprise logo in the enterprise entry platform module to provide the enterprise with credit lines from different cooperative investors. The credit platform module is one or more of the credit banks, credit factoring and N-level credit investors;

[0047] S03: Credit rule authentication: The credit rule module obtains the enterprise credit limit information of the enterprise entry platform module and performs batch processing of the underlying rule set to ensure that credit is managed and the credit limit is used under the premise of meeting the rule set;

[0048] S04: Scenario operation: After the enterprise settles in, it will obtain the corresponding credit of the settled enterprise through API or configuration. If there is no credit certificate of equal amount, the credit will be checked after the certificate is issued. The maximum certificate issued cannot exceed the total credit obtained. After the certificate expires, the credit certificate of equal amount can be returned, used, and managed. The whole life cycle of credit management needs to be synchronized to the data pool module;

[0049] S05: Data pool analysis: The data pool module produces matching data analysis plans according to the different data demands of different enterprises. The data pool module dynamically connects to the financial capital analysis and management module to realize multi-terminal management and control.

[0050] In summary, through the multi-adaptation of technology, after connecting and matching multiple funding parties, the company's credit line in the bank can be obtained through API push, query, operation and management configuration, etc. After the company obtains the credit through the platform API, it can use the credit when the platform conducts supply chain finance business. During this period, users can also manage the obtained credit and manage the company's own financial situation. After using the credit, the company user can manage the credit repayment and credit rule set within the agreed repayment period to achieve the life cycle management of credit use, credit management, and credit repayment to achieve healthy financial operation of the company.

[0051] The above description is only a preferred specific implementation manner of the present invention, but the protection scope of the present invention is not limited thereto. Any technician familiar with the technical field can make equivalent replacements or changes according to the technical scheme and inventive concept of the present invention within the technical scope disclosed by the present invention, which should be covered by the protection scope of the present invention.

Claims

1. A credit line management system based on supply chain finance, characterized by: include: The enterprise settlement platform module obtains the information of settled enterprises and authenticates them; The credit granting platform module includes multiple cooperative investors with credit granting authority; API dynamic adaptation module, which combines the enterprise logo in the enterprise entry platform module to enable the credit platform module to provide the enterprise with credit lines from different cooperative investors; The credit rule module obtains the enterprise credit line information of the enterprise entering the platform module and performs batch processing of the underlying rule set to ensure that the credit is managed and the credit line is used under the premise of satisfying the rule set; In the scenario operation module, after the enterprise settles in, it will obtain the corresponding credit through API or configuration. If there is no credit certificate of equal amount, the credit will be checked after the certificate is issued. The maximum certificate issued cannot exceed the total credit obtained. After the certificate expires, the credit certificate of equal amount can be returned, used, and managed. The data pool module synchronously obtains the data generated by the scenario operation module and produces matching data analysis plans according to the different data demands of different enterprises.

2. A credit line management system based on supply chain finance according to claim 1, characterized in that: Enterprises access the enterprise entry platform module through SAAS.

3. According to claim 1, a credit line management system based on supply chain finance is characterized in that: The credit platform modules include credit banks, credit factoring and N-level credit financiers.

4. A credit line management system based on supply chain finance according to claim 1, characterized in that: The data pool module dynamically accesses the financial funds analysis and control module to realize multi-terminal control.

5. A credit line management method based on supply chain finance as claimed in any one of claims 1 to 4, characterized in that: The steps include: 1) Enterprise settlement: The enterprise accesses the enterprise settlement platform module, fills in the settlement enterprise authentication information, and the enterprise settlement platform module authenticates the enterprise; 2) Enterprise credit: After successful authentication, the API dynamic adaptation module combines the enterprise logo in the enterprise entry platform module to provide the enterprise with credit lines from different cooperative investors; 3) Credit rule authentication: The credit rule module obtains the enterprise credit limit information of the enterprise entry platform module and performs batch processing of the underlying rule set to ensure that credit is managed and the credit limit is used under the premise of meeting the rule set; 4) Scenario operation: After the enterprise settles in, it will obtain the corresponding credit of the settled enterprise through API or configuration. If there is no credit certificate of equal amount, the credit will be checked after the certificate is issued. The maximum certificate issued cannot exceed the total credit obtained. After the certificate expires, the credit certificate of equal amount can be returned, used, and managed. The whole life cycle of credit management needs to be synchronized to the data pool module; 5) Data pool analysis: The data pool module produces matching data analysis plans based on the different data demands of different enterprises.

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