Commercial housing construction and delivery-based special loan system and management method

Abstract

The invention discloses a commercial housing construction and delivery-based special loan system and a management method, which are applied to construction and delivery management of commercial housing, and the system comprises a government affair terminal which obtains official information and checks and looks up services; the enterprise end is used for carrying out enterprise engineering construction progress, borrowing fund entry association, borrowing fund use application and query affairs; the bank end is connected with a bank system, pushes an entry flow and receives a fund allocation and drawing instruction; and the server side is connected with the government affair side, the enterprise side and the bank side and is used for transmitting the business data. According to the scheme, online management of various transactions such as loan fund supervision account establishment, fund use quota application, entry management, project progress node declaration and payment management for commercial housing construction and delivery projects is realized.

Description

Technical Field

[0001] The present invention relates to the technical field of commercial housing loan management, and in particular to a special loan system and management method based on commercial housing construction and delivery. Background Art

[0002] Special loans for the construction and delivery of commercial housing are intended to respond to the construction requirements of commercial housing projects. They are issued by specially responsible banks to borrowers to support the accelerated construction and delivery of residential projects that have been sold but are difficult to deliver. This type of special loan is closed and used for specific purposes to ensure that the funds are only used for project-related construction. However, if the developer misappropriates the special loan funds, or the bank does not strictly control the actual use and risks of the funds, it may lead to serious consequences such as delays in construction and difficulties in delivering houses. In addition, there are many entities involved in the project construction process, the approval process is complicated and inefficient, and the way of submitting materials is primitive, which further slows down the progress of the project. Therefore, the use of special loans in the construction and delivery of commercial housing urgently needs a special management system to strengthen the supervision of special loan funds by regulatory authorities and ensure that the funds are used for specific purposes. Developers should strictly apply according to the project progress nodes and use this as the basis for applying for subsequent special loan funds. In this way, the efficiency of supervision and approval, the efficiency of fund use, and the avoidance of regulatory risks can be significantly improved. Summary of the invention

[0003] Based on the above problems, the present invention proposes a special loan system and management method based on commercial housing construction and delivery, which conducts online management of various affairs such as establishment of supervision account for loan funds, application for fund usage quota, account entry management, declaration of project progress nodes, withdrawal management, etc. for commercial housing construction and delivery projects. The specific technical solution is as follows.

[0004] In the first aspect, a special loan system management method based on commercial housing construction and delivery is applied to the construction and delivery management of commercial housing, comprising the following steps: Step S1: The government affairs staff establishes a special loan project and determines the basic information, construction and delivery information of the special loan project; Step S2: The system bank pushes the information that the regulatory account is ready to the regulatory bank, and the bank starts the supervision of the regulatory account and establishes the association between the project and the regulatory account; Step S3: After the bank loan funds arrive, the bank will push the incoming funds to the special loan system for commercial housing construction and delivery; Step S4: The enterprise side records the account according to the account flow and declares the construction progress of the building under the loan project; Step S5: The government affairs end examines and approves the reported project progress and determines the usage amount of funds for the next project progress node of the commercial housing construction and delivery project; Step S6: The enterprise applies for loan funds in the system according to the applied usage limit, the government department approves the fund disbursement business applied for by the enterprise, and pushes the fund withdrawal instruction to the bank system through the bank data interface.

[0005] Specifically, the special loan system management method also includes: Step S7: After receiving the withdrawal instruction, the bank disburses the funds according to the withdrawal instruction and pushes the withdrawal flow of the supervision account to the system; Step S8: After receiving the withdrawal flow, the system deducts the usage amount of the corresponding project progress node; Step S9: After the loan funds have completed the previous project progress, the enterprise will report the subsequent project progress of the loan project building in the system.

[0006] Specifically, after the previous project progress is completed, it also includes: releasing the balance of the loan usage quota into the fund pool for subsequent use until the project is completed and delivered.

[0007] Specifically, the basic information of the special loan project in step S1 includes the name of the loan project, the identification of each responsible entity and the supervisory bank; the project construction and delivery information includes the scope of commercial housing construction and delivery, project progress, estimated loan amount and supervisory account information.

[0008] Specifically, the step S4 of recording accounts by the enterprise side according to the account flow specifically includes the following sub-steps: Step S41: The enterprise side queries in the system whether the regulatory account has received the deposit flow pushed by the bank side; Step S42: after receiving the entry flow, an entry notice is created in the system as a voucher for system accounting; Step S43: associate the entry notification with the entry flow. After the association is successful, the system will record the entry amount. Step S44: the transaction amount of the successfully associated deposit notification form is counted into the system's deposit fund pool amount.

[0009] A special loan system based on commercial housing construction and delivery is used to implement a special loan system management method based on commercial housing construction and delivery, comprising: Government affairs: obtain official information, review and check business; Enterprise side: Application and inquiry of enterprise project construction progress, loan fund entry, and loan fund use; Bank side: connect to the bank system, push account entry and exit records and receive fund transfer instructions; Server side: connects to the government side, enterprise side and bank side respectively to transmit business data.

[0010] Specifically, the official information obtained by the government affairs end includes project information corresponding to the construction and delivery of commercial housing, building list information, house information, pre-sale license information and online signing and filing information.

[0011] Specifically, the government end and the bank end are connected to the government system and the bank system respectively through the government dedicated line network and the financial dedicated line network.

[0012] Beneficial effects of the present invention: The present invention proposes a special loan system and management method based on commercial housing construction and delivery, which is applied to the construction and delivery management of commercial housing. Through online management, online approval, and a combination of project progress and fund usage quota, it ensures that funds are allocated and used according to the project progress nodes; after the approval process is completed, the withdrawal instruction is pushed to the bank, and the bank receives the instruction to allocate the loan funds. The fund data generated by this solution has the characteristics of consistency and coherence, and the data of each incoming and outgoing funds are visible, controllable and traceable, realizing the online management of various matters such as the establishment of a supervision account for loan funds, application for fund usage quota, account entry management, project progress node declaration, withdrawal management, etc. for commercial housing construction and delivery projects. BRIEF DESCRIPTION OF THE DRAWINGS

[0013] Figure 1 This is a data interaction architecture diagram of a special loan system in an embodiment of the present invention; Figure 2 It is a detailed flow chart of the special loan system management method in an embodiment of the present invention. DETAILED DESCRIPTION

[0014] In order to have a clearer understanding of the technical features, purposes and effects of the present invention, specific embodiments of the present invention are now described with reference to the accompanying drawings.

[0015] The present invention proposes a special loan system and management method based on commercial housing construction and delivery, which are applied to the construction and delivery management of commercial housing. In a preferred embodiment, the special loan system management method based on commercial housing construction and delivery includes the following steps: Step S1: The government affairs staff establishes a special loan project and determines the basic information, construction and delivery information of the special loan project; Step S2: The system bank pushes the information that the regulatory account is ready to the regulatory bank, and the bank starts the supervision of the regulatory account and establishes the association between the project and the regulatory account; Step S3: After the bank loan funds arrive, the bank will push the incoming funds to the special loan system for commercial housing construction and delivery; Step S4: The enterprise side records the account according to the account flow and declares the construction progress of the building under the loan project; Step S5: The government affairs end examines and approves the reported project progress and determines the usage amount of funds for the next project progress node of the commercial housing construction and delivery project; Step S6: The enterprise applies for loan funds in the system according to the applied usage limit, the government department approves the fund disbursement business applied for by the enterprise, and pushes the fund withdrawal instruction to the bank system through the bank data interface.

[0016] Step S7: After receiving the withdrawal instruction, the bank disburses the funds according to the withdrawal instruction and pushes the withdrawal flow of the supervision account to the system; Step S8: After receiving the withdrawal flow, the system deducts the usage amount of the corresponding project progress node; Step S9: After the loan funds have completed the previous project progress, the enterprise will report the subsequent project progress of the loan project building in the system.

[0017] In this embodiment, after the previous project progress is completed, it also includes: releasing the balance of the loan usage quota into the capital pool for subsequent use of the quota until the project is completed and delivered.

[0018] In this embodiment, the basic information of the special loan project in step S1 includes the name of the loan project, the identification of each responsible entity and the supervisory bank; the project construction and delivery information includes the scope of commercial housing construction and delivery, project progress, estimated loan amount and supervisory account information.

[0019] In this embodiment, step S4, the enterprise end performs accounting according to the account flow, which specifically includes the following sub-steps: Step S41: The enterprise side queries in the system whether the regulatory account has received the deposit flow pushed by the bank side; Step S42: after receiving the entry flow, an entry notice is created in the system as a voucher for system accounting; Step S43: associate the entry notification with the entry flow. After the association is successful, the system will record the entry amount. Step S44: the transaction amount of the successfully associated deposit notification form is counted into the system's deposit fund pool amount.

[0020] The present invention also proposes a special loan system based on commercial housing construction and delivery, including: Government affairs: obtain official information, review and check business; Enterprise side: Application and inquiry of enterprise project construction progress, loan fund entry, and loan fund use; Bank side: connect to the bank system, push account entry and exit records and receive fund transfer instructions; Server side: connects to the government side, enterprise side and bank side respectively to transmit business data.

[0021] In this embodiment, the official information obtained by the government affairs end includes project information corresponding to the construction and delivery of commercial housing, building list information, house information, pre-sale license information and online signing and filing information.

[0022] In this embodiment, the government end and the bank end are connected to the government system and the bank system through the government dedicated line network and the financial dedicated line network respectively.

[0023] In another embodiment, based on the special loan system for commercial housing construction and delivery and the corresponding management method, online management of various matters such as the establishment of a supervision account for loan funds, application for fund usage quota, account entry management, declaration of project progress nodes, and withdrawal management is performed for commercial housing construction and delivery projects; wherein, the fund usage quota is based on the construction progress of the project, and the pre-allocated quota is adopted, and the actual total amount of funds allocated does not exceed the preset usage quota. The fund usage quota is only used for construction to the next engineering node, and after the next engineering node is inspected and accepted, the fund usage quota for the subsequent node can be applied.

[0024] The special loan system for commercial housing construction and delivery exchanges data with other government systems and banking systems. It obtains real estate table information, online contract information, and pre-sale permit information for commercial housing construction and delivery from the government system. It obtains the inflow and outflow information of the commercial housing construction and delivery supervision account from the banking system, and the bank disburses the supervision funds according to the online withdrawal instructions.

[0025] The system includes the government side, the enterprise side, the bank side and the service side. The government side is used for business review, review and other matters; the enterprise side is used for matters such as project construction progress, loan funds entry association, application and inquiry for loan funds use; the bank side pushes account entry and exit flow, receives withdrawal instructions and other matters; the server side is used to transmit various business data, and the server side is connected to the government side, enterprise side and bank side respectively.

[0026] In this embodiment, if Figure 1 As shown in the figure, from the government side, the project information, building list information, house information, pre-sale license information, and online signing and filing information corresponding to the construction and delivery of commercial housing are obtained for refined management of the construction and delivery of commercial housing projects. From the bank side, the loan funds in and out of the projects corresponding to the construction and delivery of commercial housing are obtained. At the same time, the bank receives the online withdrawal instructions that have been approved, and the bank transfers funds according to the withdrawal instructions. The networks that interact with the government system and the bank system are all government\finance dedicated lines, which ensure the security of data transmission.

[0027] Figure 2The detailed process of a management method for the corresponding setting of a special loan system based on commercial housing construction and delivery is demonstrated, including: P1: Government affairs staff establish special loan projects, determine the name of the loan project, identify the responsible parties, and supervise the bank and other information.

[0028] P2: Government affairs staff establish the scope of commercial housing construction and delivery (building and house information), project progress, estimated loan amount, supervision account information, etc. for special loan projects.

[0029] P3: After preparation, the system will push the information that the supervision account is ready to the supervision bank. The bank will start the supervision of the supervision account and establish the association between the commercial housing construction and delivery project and the supervision account.

[0030] P4: At the bank, when the loan funds arrive (reach the regulatory account), the entry flow is pushed to the special loan system for commercial housing.

[0031] P5: The enterprise staff checks in the system whether the regulatory account has received the deposit flow pushed by the bank.

[0032] P6: The enterprise staff creates an accounting notice in the system, which is the voucher for the system's accounting.

[0033] P7: The enterprise staff will associate the payment notification with the transaction flow. After the association is successful, the system will record the payment amount.

[0034] P8: The transaction amount successfully associated with the account entry notification will be included in the system's account entry fund pool amount.

[0035] P9: The enterprise staff can report the construction progress of the buildings under the loan project in the system, and can report different construction progress according to the information of different buildings. The corresponding government staff will review and approve the reported construction progress.

[0036] P10: Government staff determine the funds required for the next construction progress node of the commercial housing construction and delivery project in the system, referred to as the usage quota.

[0037] P11: The enterprise staff applies for loan funds to be transferred to the construction party's account based on the applied usage quota in the system. The funds applied for by the enterprise cannot exceed the balance of the usage quota.

[0038] P12: The government staff will review and approve the fund disbursement business applied for by the enterprise. After approval, the fund withdrawal instruction will be pushed to the bank through the data interface. The withdrawal instruction includes the payment account information (supervisory account), the receiving account information, the amount of the payment, etc.

[0039] P13: After receiving the withdrawal instruction, the bank staff will disburse the funds according to the withdrawal instruction. After the funds are disbursed, the bank will push the withdrawal flow of the supervision account to the system.

[0040] P14: After the system receives the withdrawal flow, it will deduct the system's accounting balance and the usage amount of the corresponding project progress node.

[0041] P15: After the loan funds have completed the construction of the previous project, the enterprise staff will report the subsequent construction progress of the loan project building in the system.

[0042] P16: When an enterprise applies for a subsequent project node, it means that the progress of the previous project has been completed. If the funds for the previous project node have not been used up, the remaining balance of the quota will be released to the fund pool for subsequent use until the project is completed and delivered, ultimately achieving the purpose of commercial housing construction and delivery.

[0043] The present invention has shown and described the basic principles and main features of the present invention and the advantages of the present invention. Those skilled in the art should understand that the present invention is not limited to the above embodiments. The above embodiments and descriptions are only for explaining the principles of the present invention. Without departing from the spirit and scope of the present invention, the present invention may have various changes and improvements, which fall within the scope of the present invention. The scope of protection of the present invention is defined by the attached claims and their equivalents.

Claims

1. A special loan system management method based on commercial housing construction and delivery, characterized in that: Applied to the construction and delivery management of commercial housing, it includes the following steps: Step S1: The government affairs staff establishes a special loan project and determines the basic information, construction and delivery information of the special loan project; Step S2: The system bank pushes the information that the regulatory account is ready to the regulatory bank, and the bank starts the supervision of the regulatory account and establishes the association between the project and the regulatory account; Step S3: After the bank loan funds arrive, the bank will push the incoming funds to the special loan system for commercial housing construction and delivery; Step S4: The enterprise side records the account according to the account flow and declares the construction progress of the building under the loan project; Step S5: The government affairs end examines and approves the reported project progress and determines the usage amount of funds for the next project progress node of the commercial housing construction and delivery project; Step S6: The enterprise applies for loan funds in the system according to the applied usage limit, the government department approves the fund disbursement business applied for by the enterprise, and pushes the fund withdrawal instruction to the bank system through the bank data interface.

2. A special loan system management method based on commercial housing construction and delivery according to claim 1, characterized in that: The special loan system management method also includes: Step S7: After receiving the withdrawal instruction, the bank disburses the funds according to the withdrawal instruction and pushes the withdrawal flow of the supervision account to the system; Step S8: After receiving the withdrawal flow, the system deducts the usage amount of the corresponding project progress node; Step S9: After the loan funds have completed the previous project progress, the enterprise will report the subsequent project progress of the loan project building in the system.

3. A special loan system management method based on commercial housing construction and delivery according to claim 2, characterized in that: After the previous project progress is completed, it also includes: releasing the balance of the loan usage amount into the capital pool for subsequent use until the project is completed and delivered.

4. A special loan system management method based on commercial housing construction and delivery according to claim 1, characterized in that: The basic information of the special loan project in step S1 includes the name of the loan project, the identification of each responsible entity and the supervisory bank; the project construction and delivery information includes the scope of commercial housing construction and delivery, project progress, estimated loan amount and supervisory account information.

5. A special loan system management method based on commercial housing construction and delivery according to claim 1, characterized in that: The step S4 of recording accounts by the enterprise side according to the account flow specifically includes the following sub-steps: Step S41: The enterprise side queries in the system whether the regulatory account has received the deposit flow pushed by the bank side; Step S42: after receiving the entry flow, an entry notice is created in the system as a voucher for system accounting; Step S43: associate the entry notification with the entry flow. After the association is successful, the system will record the entry amount. Step S44: the transaction amount of the successfully associated deposit notification form is counted into the system's deposit fund pool amount.

6. A special loan system based on commercial housing construction and delivery, used to implement a special loan system management method based on commercial housing construction and delivery as described in any one of claims 1 to 5, characterized in that: include: Government affairs: obtain official information, review and check business; Enterprise side: Application and inquiry of enterprise project construction progress, loan fund entry, and loan fund use; Bank side: connect to the bank system, push account entry and exit records and receive fund transfer instructions; Server side: connects to the government side, enterprise side and bank side respectively to transmit business data.

7. A special loan system based on commercial housing construction and delivery according to claim 6, characterized in that: The official information obtained by the government affairs end includes project information corresponding to the construction and delivery of commercial housing, property list information, house information, pre-sale license information and online signing and filing information.

8. A special loan system based on commercial housing construction and delivery according to claim 6, characterized in that: The government affairs end and the bank end are connected to the government affairs system and the bank system respectively through the government affairs dedicated line network and the financial dedicated line network.

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