Bank financial pledge item entry management system and detection method thereof

Abstract

The invention discloses a bank financial pledge item entry management system and a detection method thereof, the system comprises a pledge item entry management unit and more than one multi-layer commodity shelf, the top of each multi-layer commodity shelf is provided with a controller 1 used for storing information of each layer of items on the multi-layer commodity shelf; the pledge item input management unit is in communication connection with the controller I; the pledge item entry management unit comprises a master controller, a financial pledge item scanner, a data reading module, a market value analysis module of financial pledge items, a financial pledge item recognizer, a gram weight detection module of the financial pledge items, a precious metal market value evaluation system, a data storage library and a financial pledge item two-dimensional code generation module. And a pledged article monitoring module and a financial pledged article two-dimensional code identity printing module. According to the invention, the financial pledge articles can be automatically recorded, and the working efficiency is improved.

Description

Technical Field

[0001] The present invention belongs to the technical field related to the supervision of bank financial pledge items, and in particular relates to a bank financial pledge item entry management system and a detection method thereof. Background Art

[0002] With the development of my country's economy, small and medium-sized enterprises have gradually become an important force in the development of the national economy. However, small and medium-sized enterprises often face the problem of difficulty in financing. Because small and medium-sized enterprises often have insufficient real estate, their loans are often applied for from banks using movable property (including raw materials, semi-finished products, finished products, etc.) that they legally own. This type of movable property is also called financial collateral, which refers to assets accepted as collateral in the financial market. These assets serve as collateral for loans during the pledge period, which helps borrowers obtain financing. The choice of collateral is diverse and is closely related to factors such as its market liquidity and value stability. When borrowers are unable to repay on time, financial institutions have the right to dispose of these collateral to realize their claims.

[0003] There are many types of financial collateral, mainly including the following: 1. Financial bills. Including bills of exchange, checks, etc. These bills have good liquidity and market recognition and are often used as collateral.

[0004] 2. Securities such as bonds and stocks. These securities have stable market value and good liquidity and are common collateral.

[0005] 3. Precious metals and raw materials. Precious metals such as gold and silver, and raw materials such as crude oil, are relatively stable in value and easy to assess, making them suitable as collateral.

[0006] 4. Movable and immovable property. Movable property such as vehicles and immovable property such as houses are physical assets with high value and are often used as collateral for large loans.

[0007] 5. Intellectual property. Intellectual property with certain market value, including patents, trademarks, etc., can also be used for pledge financing.

[0008] The bank needs to enter the financial collateral currently obtained, and during the entry process, the corresponding financial collateral needs to be evaluated. The current movable property evaluation method needs to determine whether the collateral has not been mortgaged in other banks, and that the collateral has no legal disputes. At the same time, the market value of the collateral and the customer's subsequent loan amount are also required. Currently, all of the above evaluations require manual input of relevant information of the collateral before data query can be performed, which results in low work efficiency and waste of time and labor costs. This entry method lags far behind the development of technology.

[0009] Moreover, once the collateral is entered, it is impossible to detect and track it, and the collateral is not managed separately. Once the time is too long, it is easy to make it difficult to find the collateral later. For example, the application number: 201711408027.4 discloses a collateral risk monitoring method and system, which mainly includes a collateral monitoring module, which is set on the collateral and is used to locate the position of the collateral; an information entry module, which is used to enter relevant information of the collateral; a central monitoring and processing module, which is used to preset an electronic fence according to the collateral, and output an alarm message when the collateral monitoring module enters the range of the electronic fence; a receiving and displaying unit, which prompts the corresponding debtor and / or creditor according to the alarm message. Although this structure realizes automatic monitoring of the collateral, it does not perform automatic control management of the entry supervision of the collateral, which makes it relatively difficult to find it later.

[0010] Therefore, how to use technical means to improve work efficiency, reduce labor costs, avoid difficulties in finding pledged items later, and improve search efficiency is a problem that must be faced in current corporate development and banking business expansion. Summary of the invention

[0011] The purpose of the present invention is to provide a bank financial pledge item entry management system and a detection method thereof, which solves the problems of low efficiency in entry management of existing pledge items, high labor costs, difficulty in finding pledge items at a later stage, and low search efficiency.

[0012] To solve the above technical problems, the present invention is achieved through the following technical solutions: The present invention is a bank financial pledge item entry management system, comprising a pledge item entry management unit and more than one multi-layer rack, wherein a controller for storing information of items on each layer of the multi-layer rack is arranged on the top of each multi-layer rack, a data column is arranged on the side of each multi-layer rack, and more than one electronic two-dimensional code display screen which is consistent with the number of layers of the multi-layer rack is arranged on the data column, the electronic two-dimensional code display screen is communicatively connected with the corresponding controller, and the pledge item entry management unit is communicatively connected with the controller, and is characterized in that: the pledge item entry management unit comprises the following devices: A master controller; A financial pledge item scanner; the financial pledge item scanner is used to scan paper bank financial pledge items; A data reading module, used for reading the data scanned by the financial pledge item scanner; A market value analysis module for financial pledge items, used to analyze and evaluate the market value of the financial pledge items obtained by the data reading module, and the market value analysis module for financial pledge items is connected to the current movable / immovable property market evaluation platform, bond and stock platform, and financial platform; A financial pledge item identifier, used to identify the authenticity of precious metal financial pledge items; A weight detection module for financial pledge items; used to detect the weight of financial pledge items of precious metals; A precious metal market value assessment system, wherein the precious metal market value assessment system is communicatively connected to the precious metal trading platform; A data repository for storing relevant data information of currently pledged financial collateral; A financial pledge item QR code generation module, used to generate a financial pledge item QR code; A pledged item monitoring module is provided on the pledged item and is used to locate the position of the pledged item; A financial pledge item QR code identity printing module, used to print the QR code of the financial pledge item; Among them, the main controller is electrically connected to the data reading module, the financial pledge item QR code generation module, the financial pledge item QR code identity printing module, the pledge item monitoring module, and the financial pledge item market value analysis module; the financial pledge item scanner, the financial pledge item market value analysis module, and the financial pledge item market value analysis module are connected in sequence; the financial pledge item identifier, the precious metal market value assessment system, and the precious metal market value assessment system are connected in sequence.

[0013] Preferably, the data column is hinged to the multi-layer storage rack, and a motor for driving the data column to rotate is arranged above the multi-layer storage rack, and the motor is electrically connected to a controller.

[0014] Preferably, the pledged item monitoring module includes a pledge controller, a pledge wake-up reminder, a pledge data storage repository and a GPS locator. The pledge controller is electrically connected to the pledge wake-up reminder, the GPS locator and the pledge data storage repository, and the main controller is electrically connected to a wake-up device that is communicatively connected to the pledge wake-up reminder.

[0015] Preferably, an alarm is electrically connected to the main controller, and the alarm information of the alarm includes different types of alarm modes according to various levels of the collateral.

[0016] Preferably, a display module is electrically connected to the main controller, and the display module is used for online display reminder of the information that needs to be retrieved.

[0017] The present invention also discloses a method for detecting bank financial pledge items, including the bank financial pledge item input management system, characterized in that it includes the following steps: S1. Obtain the bank financial pledge items to be pledged, determine the type of bank financial pledge items, and if the bank financial pledge items are precious metals, proceed to step S2; if the bank financial pledge items are paper financial bills, real estate, bonds and stocks, proceed to step S3; S2, putting precious metals into the financial pledge item identifier, identifying the material of the financial pledge item, then reading the data of the financial pledge item through the weight detection module, and then evaluating the market value of the precious metals through the precious metal market value evaluation system, and then entering step S4; S3, placing the bank's financial pledge items on the financial pledge item scanner, scanning and identifying them, and reading data through the data reading module, and then evaluating their market value through the market value analysis module of the financial pledge items, and then entering step S4; S4. After market value analysis, generate relevant loan amount according to the current market value of financial pledge items; S5. Retrieve the current vacancy status of each multi-layer shelf and obtain relevant vacancy information, and then send it to the main controller to bind it with the financial pledge items; S6. Generate a QR code for the pledged item using the QR code generation module for the financial pledged item, print the corresponding QR code using the QR code identity printing module for the financial pledged item, and affix the QR code to the corresponding financial pledged item; S7, and bind the pledged item monitoring module to the financial pledged item, and then place the financial pledged item on the corresponding multi-layer shelf.

[0018] Preferably, the specific analysis formula for the market value analysis of the financial pledged items in step S4 is as follows: S=M*Q+B; Among them, S represents the total market value, M is the price of a single stock; Q is the total number of shares; B is the current deviation rate; The specific formula of B is as follows: B=BT / Bf; BT is the standard deviation; Bf is the mean value.

[0019] Preferably, when it is necessary to search for financial pledge items, the specific location of the financial pledge items is retrieved, and then when the wake-up device is brought close to the financial pledge items, the pledge wake-up reminder is awakened, making it easier for users to search.

[0020] Preferably, when the financial pledged items are redeemed, the pledged items monitoring module is cleared of information.

[0021] Preferably, in the process of analyzing the market value of the financial pledged items in step S4, the recent fluctuations of the current pledged items also need to be considered.

[0022] The present invention has the following beneficial effects: the present invention can automatically analyze and automatically input data of bank financial pledged items, further improve work efficiency, reduce labor costs, and facilitate searches later, thereby avoiding difficulties in finding pledged items later and further improving search efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] Figure 1 This is a schematic diagram of the structure of a multi-layer rack in a bank financial pledge item entry management system in Example 1; Figure 2 This is a connection diagram of a bank financial pledge item entry management system in Example 1; Figure 3 This is a schematic diagram of the structure of a multi-layer rack in a bank financial pledge item entry management system in Example 2; Figure 4 This is a connection diagram of the pledged item monitoring module in Example 3; Figure 5 This is a connection diagram of a bank financial pledge item entry management system in Example 3; Figure 6 This is a connection diagram of a bank financial pledge item entry management system in Example 4; Figure 7 This is a connection diagram of a bank financial pledge item entry management system in Example 5.

[0024] Reference numerals: Multi-layer storage rack 1, controller 1 2, data bar 3, electronic QR code display screen 4, main controller 5, financial pledge item scanner 6, data reading module 7, financial pledge item market value analysis module 8, financial pledge item identifier 9, financial pledge item weight detection module 10, precious metal market value assessment system 11, data storage library 12, financial pledge item QR code generation module 13, pledge item monitoring module 14, financial pledge item QR code identity printing module 15, motor 16, pledge controller 141, pledge wake-up reminder 142, pledge data storage library 143, GPS locator 144, wake-up device 17, alarm 18, display module 19. DETAILED DESCRIPTION

[0025] In order to make the purpose, technical solution and advantages of the embodiments of the present invention clearer, the technical solution in the embodiments of the present invention will be clearly and completely described in combination with the embodiments of the present invention. Obviously, the described embodiments are 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. Example 1

[0026] See also Figure 1-2 As shown, the present embodiment discloses a bank financial pledge item entry management system and a detection method thereof, comprising a pledge item entry management unit and more than one multi-layer rack 1, wherein a controller 2 for storing item information of each layer on the multi-layer rack 1 is arranged on the top of each multi-layer rack 1, and a data column 3 is arranged on the side of each multi-layer rack 1, and more than one electronic two-dimensional code display screen 4 corresponding to the number of layers of the multi-layer rack 1 is arranged on the data column 3, wherein the electronic two-dimensional code display screen 4 is used to store bank financial pledge items placed on the relevant layer, so as to facilitate the later scanning and retrieval of data, the electronic two-dimensional code display screen 4 is communicatively connected with the corresponding controller 2, and the pledge item entry management unit is communicatively connected with the controller 2, characterized in that: the pledge item entry management unit comprises the following devices: A master controller 5; A financial pledge item scanner 6; the financial pledge item scanner 6 is used to scan paper bank financial pledge items; A data reading module 7, used for reading the data scanned by the financial pledge item scanner 6; A market value analysis module 8 for financial pledge items, used for analyzing and evaluating the market value of the financial pledge items acquired by the data reading module 7, and the market value analysis module 8 for financial pledge items is connected to the current movable / immovable property market evaluation platform, bond and stock platform, and financial platform; A financial pledge item identifier 9, used to identify the authenticity of the financial pledge items of precious metals; A financial pledge item weight detection module 10; used to detect the weight of financial pledge items of precious metals; A precious metal market value assessment system 11, wherein the precious metal market value assessment system 11 is communicatively connected to the precious metal trading platform; A data repository 12 for storing relevant data information of currently pledged financial pledge items; A financial pledge item QR code generation module 13, used to generate a financial pledge item QR code; A pledged item monitoring module 14, which is disposed on the pledged item and is used to locate the position of the pledged item; A financial pledge item QR code identity printing module 15, used to print the QR code of the financial pledge item; Among them, the main controller 5 is electrically connected to the data reading module 7, the financial pledge item QR code generation module 13, the financial pledge item QR code identity printing module 15, the pledge item monitoring module 14, and the financial pledge item market value analysis module 8; the financial pledge item scanner 6, the financial pledge item market value analysis module 8, and the financial pledge item market value analysis module 8 are connected in sequence; the financial pledge item identifier 9, the precious metal market value assessment system 11, and the precious metal market value assessment system 11 are connected in sequence.

[0027] The present invention also discloses a method for detecting bank financial pledge items, including the bank financial pledge item entry management system, characterized in that it includes the following steps: S1. Obtain the bank financial pledge items to be pledged, determine the type of bank financial pledge items, and if the bank financial pledge items are precious metals, proceed to step S2; if the bank financial pledge items are paper financial bills, real estate, bonds and stocks, proceed to step S3; S2, putting the precious metal into the financial pledge item identifier 9, identifying the material of the financial pledge item, then reading the data of the financial pledge item through the weight detection module 10, and then evaluating the market value of the precious metal through the precious metal market value evaluation system 11, and then entering step S4; S3, putting the bank financial pledge item into the financial pledge item scanner 6, scanning and identifying it, and reading the data through the data reading module 7, and then evaluating its market value through the market value analysis module 8 of the financial pledge item, and then entering step S4; S4. After market value analysis, generate relevant loan amount according to the current market value of financial pledge items; S5, retrieve the current vacancy status of each multi-layer storage rack 1, obtain relevant vacancy information, and then send it to the main controller 5 to bind it with the financial pledge items; S6, using the financial pledge item QR code generation module 13 to generate a pledge item QR code, and using the financial pledge item QR code identity printing module 15 to print the corresponding QR code, and affix the QR code to the corresponding financial pledge item; S7, and bind the pledged item monitoring module 14 to the financial pledged item, and then place the financial pledged item on the corresponding multi-layer rack 1.

[0028] Preferably, the specific analysis formula for the market value analysis of the financial pledged items in step S4 is as follows: S=M*Q+B; Among them, S represents the total market value, M is the price of a single stock; Q is the total number of shares; B is the current deviation rate; The specific formula of B is as follows: B=BT / Bf; BT is the standard deviation; Bf is the mean value.

[0029] Preferably, when the financial pledged items are redeemed, the pledged items monitoring module 14 is cleared of information.

[0030] Preferably, in the process of analyzing the market value of the financial pledged items in step S4, the recent fluctuations of the current pledged items also need to be considered.

[0031] The specific working principle of the present invention is as follows: Obtain the bank financial pledge items that need to be pledged, determine the type of bank financial pledge items, if the bank financial pledge items are precious metals; put the precious metals into the financial pledge item identifier 9, identify the material of the financial pledge items, then read the data of the financial pledge items through the weight detection module 10 of the financial pledge items, and then evaluate the market value of the precious metals through the precious metal market value evaluation system 11; after the market value analysis, generate the relevant loan amount according to the current market value of the financial pledge items; then retrieve the vacancy status on each current multi-layer rack 1, and obtain the relevant vacancy information, and then send it to the main controller 5, and bind it with the financial pledge items; then use the financial pledge item QR code generation module 13 to generate the pledge item QR code, and print the corresponding QR code through the financial pledge item QR code identity printing module 15, and paste the QR code on the corresponding financial pledge item; finally, bind the pledge item monitoring module 14 to the financial pledge item, and then place the financial pledge item on the corresponding multi-layer rack 1; If the bank's financial pledge items are paper financial bills, real estate, bonds and stocks, the bank's financial pledge items are placed on the financial pledge item scanner 6, scanned and identified, and data is read through the data reading module 7, and then the market value analysis module 8 of the financial pledge items is used to evaluate its market value. After the market value analysis, the relevant loan amount is generated according to the current market value of the financial pledge items; then the vacancy status on each current multi-layer rack 1 is retrieved, and the relevant vacancy information is obtained, and then sent to the main controller 5, and bound to the financial pledge items; then the financial pledge item QR code generation module 13 is used to generate the pledge item QR code, and the corresponding QR code is printed through the financial pledge item QR code identity printing module 15, and the QR code is affixed to the corresponding financial pledge item; finally, the pledge item monitoring module 14 is bound to the financial pledge item, and then the financial pledge item is placed on the corresponding multi-layer rack 1; Therefore, the present invention can automatically analyze and input data of bank financial pledged items, further improve work efficiency, reduce labor costs, and facilitate searches later, thereby avoiding difficulties in finding pledged items later and further improving search efficiency. Example 2

[0032] See also Figure 3 As shown, the present embodiment discloses a bank financial pledge item entry management system. Preferably, the data column 3 is hinged to the multi-layer rack 1, and a motor 16 for driving the data column 3 to rotate is provided above the multi-layer rack 1. The motor 16 is electrically connected to the controller 2, and the angle of the data column 3 is automatically adjusted by providing the motor 16. Example 3

[0033] See also Figure 4 , Figure 5 As shown, the present embodiment discloses a bank financial pledge item entry management system. Preferably, the pledge item monitoring module 14 includes a pledge controller 141, a pledge wake-up reminder 142, a pledge data storage library 143 and a GPS locator 144. The pledge controller 141 is electrically connected to the pledge wake-up reminder 142, the GPS locator 144 and the pledge data storage library 143, and the main controller 5 is electrically connected to an awakener 17 which is communicatively connected to the pledge wake-up reminder 142. In the present embodiment, by setting the awakener 17 and the pledge wake-up reminder 142, it can be achieved that when it is necessary to search for financial pledge items, the specific location of the financial pledge items is retrieved, and then when the awakener 17 approaches the financial pledge items, the pledge wake-up reminder 142 is awakened, which is convenient for users to search. Example 4

[0034] See also Figure 6 As shown, the present embodiment discloses a bank financial pledge item entry management system. Preferably, an alarm 18 is electrically connected to the main controller 5. The alarm information of the alarm 18 includes different types of alarm modes according to various levels of the pledged items. By setting the alarm 18, an alarm reminder can be issued for abnormalities of the pledged items. Example 5

[0035] See also Figure 7 As shown, a bank financial pledge item entry management system disclosed in this embodiment is preferably electrically connected to a display module 19 on the main controller 5, and the display module 19 is used for online display reminder of the information that needs to be retrieved. By setting the display module 19 to display online reminder of the information that needs to be retrieved, it is convenient for users to view.

[0036] The above are only preferred embodiments of the present invention and do not limit the present invention. Any modification to the technical solutions recorded in the aforementioned embodiments, any equivalent replacement of some of the technical features therein, and any modification, equivalent replacement, and improvement made are all within the protection scope of the present invention.

Claims

1. A bank financial pledge item entry management system, comprising a pledge item entry management unit and one or more multi-layer racks (1), wherein a controller (2) for storing information of items on each layer of the multi-layer rack (1) is arranged on the top of each multi-layer rack (1), a data column (3) is arranged on the side of each multi-layer rack (1), and one or more electronic two-dimensional code display screens (4) corresponding to the number of layers of the multi-layer rack (1) are arranged on the data column (3), wherein the electronic two-dimensional code display screens (4) are communicatively connected to the corresponding controller (2), and the pledge item entry management unit is communicatively connected to the controller (2), characterized in that: The pledge item entry management unit includes the following equipment: A master controller (5); A financial pledge item scanner (6); the financial pledge item scanner (6) is used to scan paper-based bank financial pledge items; A data reading module (7) for reading data scanned by the financial pledge item scanner (6); A market value analysis module (8) for financial pledge items, used to analyze and evaluate the market value of the financial pledge items obtained by the data reading module (7), and the market value analysis module (8) for financial pledge items is connected to the current movable / immovable property market evaluation platform, the bond and stock platform, and the financial platform; A financial pledge item identifier (9) for identifying the authenticity of the financial pledge items of precious metals; A weight detection module (10) for detecting the weight of financial pledge items; used for detecting the weight of financial pledge items of precious metals; A precious metal market value assessment system (11), wherein the precious metal market value assessment system (11) is communicatively connected to a precious metal trading platform; A data repository (12) for storing relevant data information of currently pledged financial pledge items; A financial pledge item QR code generation module (13), used to generate a financial pledge item QR code; A pledged item monitoring module (14), which is arranged on the pledged item and is used to locate the position of the pledged item; A financial pledge item QR code identity printing module (15), used to print the QR code of the financial pledge item; The main controller (5) is electrically connected to the data reading module (7), the financial pledge item QR code generating module (13), the financial pledge item QR code identity printing module (15), the pledge item monitoring module (14), and the financial pledge item market value analysis module (8); the financial pledge item scanner (6), the financial pledge item market value analysis module (8), and the financial pledge item market value analysis module (8) are connected in sequence; and the financial pledge item identifier (9), the precious metal market value evaluation system (11), and the precious metal market value evaluation system (11) are connected in sequence.

2. A bank financial pledge item entry management system according to claim 1, characterized in that: The data column (3) is hinged to the multi-layer storage rack (1), and a motor (16) for driving the data column (3) to rotate is arranged above the multi-layer storage rack (1), and the motor (16) is electrically connected to the controller 1 (2).

3. A bank financial pledge item entry management system according to claim 1, characterized in that: The pledged item monitoring module (14) comprises a pledge controller (141), a pledge wake-up reminder (142), a pledge data storage library (143) and a GPS locator (144); the pledge controller (141) is electrically connected to the pledge wake-up reminder (142), the GPS locator (144) and the pledge data storage library (143); and the main controller (5) is electrically connected to a wake-up device (17) which is in communication with the pledge wake-up reminder (142).

4. A bank financial pledge item entry management system according to claim 1, characterized in that: An alarm (18) is electrically connected to the main controller (5), and the alarm information of the alarm (18) includes different types of alarm modes according to various levels of the collateral.

5. The bank financial pledge item entry management system according to claim 1, characterized in that: A display module (19) is electrically connected to the main controller (5), and the display module (19) is used to display and remind online the information that needs to be retrieved.

6. A method for detecting bank financial pledge items, comprising a bank financial pledge item entry management system according to any one of claims 1 to 5, characterized in that: The following steps are involved: S1. Obtain the bank financial pledge items to be pledged, determine the type of bank financial pledge items, and if the bank financial pledge items are precious metals, proceed to step S2; if the bank financial pledge items are paper financial bills, real estate, bonds and stocks, proceed to step S3; S2, placing the precious metal on the financial pledge item identifier (9), identifying the material of the financial pledge item, then reading the data of the financial pledge item through the weight detection module (10), and then evaluating the market value of the precious metal through the precious metal market value evaluation system (11), and then entering step S4; S3, placing the bank financial pledge item on the financial pledge item scanner (6), scanning and identifying it, and reading data through the data reading module (7), and then evaluating its market value through the market value analysis module (8) of the financial pledge item, and then entering step S4; S4. After market value analysis, generate relevant loan amount according to the current market value of financial pledge items; S5, retrieve the current vacancy status of each multi-layer storage rack (1), obtain relevant vacancy information, and then send it to the main controller (5) to bind it with the financial pledge items; S6, using the financial pledge item QR code generation module (13) to generate a QR code for the pledge item, and using the financial pledge item QR code identity printing module (15) to print the corresponding QR code, and affix the QR code to the corresponding financial pledge item; S7, and binding the pledged item monitoring module (14) to the financial pledged item, and then placing the financial pledged item on the corresponding multi-layer storage rack (1).

7. A method for detecting bank financial pledge items according to claim 6, characterized in that: The specific analysis formula for the market value analysis of the financial pledged items in step S4 is as follows: S=M*Q+B; Among them, S represents the total market value, M is the price of a single stock; Q is the total number of shares; B is the current deviation rate; The specific formula of B is as follows: B = BT / Bf; Where BT is the standard deviation and Bf is the mean value.

8. A method for detecting bank financial pledge items according to claim 6, characterized in that: When it is necessary to search for a financial pledge item, the specific location of the financial pledge item is retrieved, and then when the wake-up device (17) approaches the financial pledge item, the pledge wake-up reminder (142) is awakened, making it easier for the user to search.

9. A method for detecting bank financial pledge items according to claim 6, characterized in that: When the financial pledged item is redeemed, the pledged item monitoring module (14) is cleared of information.

10. A method for detecting bank financial pledge items according to claim 6, characterized in that: In the process of analyzing the market value of the financial pledged items in step S4, the recent fluctuations of the current pledged items must also be considered.

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