Supply chain loaning method and device, computer equipment and storage medium

Abstract

The invention provides a supply chain loaning method and device, computer equipment and a storage medium. The method comprises the steps of determining a preset supplier group to which a supplier loan request belongs when the supplier loan request is responded, and then determining a condition set which corresponds to the group and comprises a plurality of loan conditions with different priorities as a target condition set; judging whether the suppliers meet all loan conditions in the target condition set according to the priorities from high to low in sequence, and if yes, loan; if not, judging whether the condition with the lowest priority in the matched loan conditions is equal to or higher than the priority threshold value or not; if yes, pushing to manual auditing, and if not, sending a loan rejection message to the supplier. According to the method, the suppliers are grouped and different condition sets are set, so that differential management and flexible configuration are realized, the pertinence and efficiency of the loaning process are improved, risk control and service flexibility are balanced, and the accuracy and reasonability of loaning decision are ensured.

Description

Technical Field

[0001] The present application relates to the field of Internet technology, and in particular to a supply chain loan method, apparatus, computer equipment and storage medium. Background Art

[0002] The development of social economy and the popularization of mobile Internet have promoted the development of e-commerce. After each supply chain enterprise completes sales on the e-commerce platform, the e-commerce platform needs to lend money to the supply chain enterprise. However, the traditional financial supply chain lending process usually takes a lot of time and human resources, and lacks flexibility and configurability. Summary of the invention

[0003] The purpose of this application is to solve at least one of the above-mentioned technical deficiencies, and in particular to provide a flexible, configurable, and less manually involved supply chain lending solution.

[0004] In a first aspect, the present application provides a supply chain lending method, comprising:

[0005] In response to a loan request from a supplier, determining a preset supplier group to which the supplier belongs;

[0006] Determine the condition set corresponding to the preset supplier group as the target condition set; the condition set includes multiple loan conditions with different priorities;

[0007] Determine whether the supplier meets all loan conditions in the target condition set in descending order of priority;

[0008] If so, the supplier will be loaned money according to the loan request;

[0009] If not, determine whether the highest priority loan condition among the loan conditions that the supplier does not meet is equal to or lower than the priority threshold;

[0010] If yes, the loan request will be sent to manual review;

[0011] If not, a payment rejection message is sent to the supplier.

[0012] In one embodiment, the supply chain lending method further includes:

[0013] In any statistical period, determine the triggering status of the loan conditions in each condition set in the previous statistical period;

[0014] For loan conditions with the same priority as the initial priority, if the triggering situation meets the corresponding upgrade conditions, the priority of the loan condition will be increased;

[0015] For loan conditions whose priority is different from the initial priority, if the triggering situation meets the corresponding upgrade condition, the priority of the loan condition will be maintained; otherwise, the priority of the loan condition will be restored to the initial priority.

[0016] In one of the embodiments, the triggering situation is the triggering number, and the upgrade condition includes that the triggering number is greater than the corresponding number threshold.

[0017] In one embodiment, the loan request is pushed to manual review, including:

[0018] Taking loan conditions that suppliers do not meet as target conditions;

[0019] Determine the maintainers and followers corresponding to the target conditions;

[0020] Generate pending items according to the target conditions, and push the pending items to the maintainers and followers corresponding to the target conditions.

[0021] In one embodiment, determining the person of interest corresponding to the target condition includes:

[0022] Search for a preset associated field in the target condition, and determine the searched preset associated field as the target field;

[0023] According to the target field and the first mapping relationship, the concerned person corresponding to the target condition is obtained; the first mapping relationship reflects the corresponding relationship between the preset associated field and the preset reviewer set.

[0024] In one embodiment, the condition set is generated by a user through a condition maintenance operation for a preset supplier group, and the supply chain loan method further includes:

[0025] Record the users who perform maintenance operations on various conditions to obtain maintenance records of loan conditions;

[0026] Determine the maintainer corresponding to the target conditions, including:

[0027] Determine the maintainer of the target condition based on the corresponding maintenance records.

[0028] In one embodiment, disbursing funds to the supplier according to the loan request includes:

[0029] Send loan reminders to loan departments;

[0030] After receiving the loan instruction for the loan prompt, it is determined again in descending order of priority whether the supplier meets all the loan conditions in the target condition set;

[0031] If yes, the loan process is initiated;

[0032] If not, a payment rejection message is sent to the supplier.

[0033] In one embodiment, after the loan is successfully issued, the method further includes:

[0034] According to the preset cycle, the first quota is determined according to the supplier's real-time sales data, and the second quota is determined according to the supplier's real-time credit rating;

[0035] Determine whether the total loan amount of the supplier is less than the sum of the first amount and the second amount;

[0036] If not, a risk warning will be issued to related personnel.

[0037] In a second aspect, the present application provides a supply chain lending device, comprising:

[0038] The request response module is used to respond to the supplier's loan request and determine the preset supplier group to which the supplier belongs;

[0039] A condition selection module is used to determine the condition set corresponding to the preset supplier group as the target condition set; the condition set includes multiple loan conditions of different priorities;

[0040] The first judgment module is used to judge whether the supplier meets all the loan conditions in the target condition set in order of priority from high to low;

[0041] The first processing module is used to grant loans to the supplier according to the loan request when the supplier meets all the loan conditions in the target condition set;

[0042] The second judgment module is used to judge whether the highest priority loan condition among the loan conditions that the supplier does not meet is equal to or lower than the priority threshold when the supplier does not meet all the loan conditions in the target condition set;

[0043] The second processing module is used to push the loan request to manual review when the loan condition with the highest priority is higher than or equal to the priority threshold;

[0044] The third processing module is used to send a loan rejection message to the supplier when the loan condition with the highest priority is lower than the priority threshold.

[0045] In a third aspect, the present application provides a computer device comprising one or more processors and a memory, wherein the memory stores computer-readable instructions, and when the computer-readable instructions are executed by one or more processors, the steps of the supply chain loan method in any of the above-mentioned embodiments are executed.

[0046] In a fourth aspect, the present application provides a storage medium storing computer-readable instructions. When the computer-readable instructions are executed by one or more processors, the one or more processors execute the steps of the supply chain loan method in any of the above-mentioned embodiments.

[0047] It can be seen from the above technical solutions that the embodiments of the present application have the following advantages:

[0048] Based on the supply chain loan method in this embodiment, first, when responding to a supplier's loan request, determine the preset supplier group to which it belongs, and then determine the condition set corresponding to the group, which contains multiple loan conditions of different priorities, as the target condition set. Then, determine whether the supplier meets all the loan conditions in the target condition set in order of priority from high to low. If so, the loan is granted; if not, determine whether the condition with the lowest priority among the loan conditions that have been met is equal to or higher than the priority threshold. If so, push it to manual review, otherwise send a loan rejection message to the supplier.

[0049] On the one hand, this method achieves differentiated management and flexible configuration by grouping suppliers and setting different condition sets, thereby improving the pertinence and efficiency of the loan process. On the other hand, judging loan conditions according to priority and considering important factors first saves time and resources, which is in line with the principles of risk management. At the same time, the setting of priority thresholds and the addition of manual review links balance risk control and business flexibility to a certain extent, ensuring the accuracy and rationality of loan decisions. In addition, this method helps e-commerce platforms better manage financial risks, meet the financial needs of suppliers, and promote the stable development of e-commerce platform businesses. BRIEF DESCRIPTION OF THE DRAWINGS

[0050] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0051] Figure 1 This is a flow chart of a supply chain lending method in one embodiment of the present application;

[0052] Figure 2 A schematic diagram of a process for adaptively adjusting the priority of loan conditions in one embodiment of the present application;

[0053] Figure 3 A schematic diagram of a process for pushing a loan request to manual review in one embodiment of the present application;

[0054] Figure 4This is a schematic diagram of a process of lending money to the supplier according to a loan request in one embodiment of the present application;

[0055] Figure 5 A schematic diagram of a process for conducting a loan review in an embodiment of the present application;

[0056] Figure 6 An internal structure diagram of a computer device provided for one embodiment of the present application. DETAILED DESCRIPTION

[0057] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0058] This application provides a supply chain loan method, please refer to Figure 1 , including steps S102 to S114.

[0059] S102, in response to the supplier's loan request, determining the preset supplier group to which the supplier belongs.

[0060] It can be understood that suppliers refer to the entities that sell goods or provide services on the e-commerce platform. A loan request is a request made by a supplier to the e-commerce platform to release the payment for goods. For the convenience of management, the internal staff of the e-commerce platform can group the suppliers on the platform through grouping operations. Each pre-divided group is a preset supplier group. Grouping suppliers can better achieve differentiated management of different types of suppliers. By grouping suppliers with similar characteristics or in the same business scope into the same group, specific condition sets can be formulated for suppliers in different groups to improve the pertinence and efficiency of the loan process. This grouping method can be divided according to factors such as the scale, reputation, and sales category of the supplier. For example, large suppliers may differ from small suppliers in terms of financial strength, transaction stability, etc., and dividing them into different groups can better meet their respective loan needs. The standards and methods of grouping can be configured by business personnel through the front-end interface.

[0061] S104: determine the condition set corresponding to the preset supplier group as the target condition set. The condition set includes multiple loan conditions of different priorities.

[0062] It can be understood that a condition set is a combination of a series of loan conditions set for a preset supplier group. Each preset supplier group corresponds to a condition set. The loan conditions are the specific requirements that suppliers need to meet in order to obtain loans. For example, credit rating, sales data, etc. Each loan condition can be set with a corresponding priority, and the priority reflects the importance of different loan conditions in the judgment process.

[0063] Different supplier groups may face different risks and business needs, so different sets of conditions need to be formulated. By setting multiple loan conditions with different priorities, the credit status and risk level of suppliers can be more comprehensively evaluated to ensure the security and rationality of loan issuance. High-priority loan conditions are usually those factors that are critical to loan issuance decisions, while low-priority loan conditions may be relatively minor factors that still have certain reference value.

[0064] In this embodiment, when a loan request is received from a certain supplier, it can be determined to which preset supplier group the supplier belongs. Once the preset supplier group to which the supplier belongs is determined, the condition set corresponding to the group can be determined as the target condition set. These condition sets are usually formulated under the guidance of the platform's risk management and business strategies. For example, for large supplier groups, possible loan conditions include long-term stable cooperative relationships, high credit ratings, low return rates, etc. Among them, credit ratings may be set as high-priority loan conditions because it directly reflects the supplier's credit status and repayment ability. For small supplier groups, loan conditions may focus more on recent transaction performance, fast logistics delivery, etc.

[0065] S106, judging whether the supplier meets all the loan conditions in the target condition set in descending order of priority.

[0066] It can be understood that judging in order of priority from high to low can ensure that the most important factors are considered first in the loan decision. It is also possible to handle the situation according to the supplier's satisfaction with the loan conditions of different priorities. The metadata for judging the loan conditions of each supplier can come from the outside. For example, the credit rating can be a credit report provided by a third-party credit rating agency, or it can come from the platform's own records, such as the supplier's transaction data on the platform, including sales, order completion rate, customer evaluation, etc. If the supplier meets all the loan conditions in the target condition set, go to step S108. If the supplier does not meet at least one loan condition in the target condition set, go to step S110.

[0067] S108: If yes, loan is granted to the supplier according to the loan request.

[0068] It can be understood that if the supplier meets all the loan conditions, it means that it has met the requirements of the platform in terms of credit status, business performance, etc. At this time, loaning can ensure the safety of the platform's funds and meet the supplier's funding needs. When the judgment result is that the supplier meets all the loan conditions in the target condition set, this method will determine the loan amount and loan method based on the loan request and the supplier's relevant data. The loan amount can be determined based on factors such as the supplier's sales performance and unsettled payments. The loan method can be selected in various forms such as bank transfer and electronic payment. Since the company's loan authority is generally controlled by a specific department and will not be directly executed by a computer. Therefore, a loan reminder will be generated based on the determined information, and the loan reminder will be sent to the loan department (such as the finance department), and the loan department will ultimately decide whether to issue a loan instruction. Only after receiving the loan instruction can the loan process be officially started, that is, the loan instruction will be sent to the relevant financial institution or payment platform to transfer funds. At the same time, the platform can send a loan notice to the supplier to inform it of the amount, time and method of the loan.

[0069] S110, if no, then determine whether the loan condition with the highest priority among the loan conditions that the supplier does not meet is equal to or lower than the priority threshold.

[0070] It can be understood that if the supplier does not meet at least one loan condition in the target condition set, it is necessary to further classify and process it according to its satisfaction of the loan conditions. By judging whether the condition with the highest priority among the unmet loan conditions reaches a certain priority threshold, the risk level of the supplier and the feasibility of loan can be further evaluated. If the priority of the condition is higher than or equal to the priority threshold, it means that the supplier performs well in some important aspects, and it is transferred to step S112 for manual review to determine whether the loan can be made. If the priority is lower than the priority threshold, it means that the overall performance of the supplier is not ideal, and directly refusing to lend can reduce the risk of the e-commerce platform. For example, three levels of priority can be set, with the first level being the highest and the third level being the lowest. The priority threshold can be set to the second level. If supplier A meets all the first-level conditions, but some of the second-level and third-level conditions are not met, the highest level among the unmet loan conditions is the second level, which meets the priority threshold, and the supplier A can be manually reviewed. If supplier A has unmet first-level conditions, the highest level among the unmet loan conditions is the first level, which is higher than the priority threshold, and a loan rejection message is directly sent to the supplier.

[0071] S112: If yes, the loan request is sent to manual review.

[0072] It is understandable that although the automated loan judgment process can improve efficiency, in some cases, manual professional judgment is required to ensure the accuracy and rationality of the loan decision. When the highest priority loan condition among the loan conditions that the supplier does not meet is equal to or lower than the priority threshold, it means that the supplier performs well in some important aspects, and manual review is required to comprehensively consider various factors and make the final loan decision. Since the loan conditions may be related to personnel from different departments, when conducting manual review, the conditions to be reviewed can be sent to different departments for review. During the review process, the auditor can also ask the supplier to provide additional information or explanations as needed. Ultimately, the auditor will make a decision to grant or reject the loan based on his or her professional judgment, and feedback the decision results to the platform system.

[0073] S114, if not, a payment rejection message is sent to the supplier.

[0074] It is understandable that if the highest priority loan condition among the loan conditions that the supplier has met and the loan conditions that the supplier has not met are higher than the priority threshold, it means that the supplier has a high risk and does not meet the platform's loan requirements. At this time, sending a loan rejection message to the supplier can allow the supplier to understand their situation in a timely manner, and it also helps the platform control risks and maintain the platform's financial security and business stability. The loan rejection message can be sent to the supplier through the platform's messaging system, email or SMS. The reason for the loan rejection should be clearly stated in the message so that the supplier can understand their shortcomings and take corresponding improvement measures. At the same time, the loan rejection message can also include suggestions and guidance to help suppliers improve their credit status and business performance so that they can succeed in future loan requests.

[0075] Based on the supply chain loan method in this embodiment, first, when responding to a supplier's loan request, determine the preset supplier group to which it belongs, and then determine the condition set corresponding to the group, which contains multiple loan conditions of different priorities, as the target condition set. Then, determine whether the supplier meets all the loan conditions in the target condition set in order of priority from high to low. If so, the loan is granted; if not, determine whether the condition with the lowest priority among the loan conditions that have been met is equal to or higher than the priority threshold. If so, push it to manual review, otherwise send a loan rejection message to the supplier.

[0076] On the one hand, this method achieves differentiated management and flexible configuration by grouping suppliers and setting different condition sets, thus improving the pertinence and efficiency of the loan process. On the other hand, the setting of priority thresholds and the addition of manual review links balance risk control and business flexibility to a certain extent, ensuring the accuracy and rationality of loan decisions. In addition, this method helps e-commerce platforms better manage capital risks, meet suppliers' capital needs, and promote the stable development of e-commerce platform businesses.

[0077] In one embodiment, see Figure 2 The supply chain lending method also includes steps S202 to S206.

[0078] S202, in any statistical period, determining the triggering status of the loan conditions in each condition set in the previous statistical period.

[0079] It can be understood that the statistical period is a pre-set time interval. This embodiment needs to periodically count and analyze the triggering conditions of the loan conditions in each statistical period. The triggering situation refers to the state in which the loan conditions are met or not met within a specific statistical period. Setting the statistical period allows the e-commerce platform to dynamically monitor and adjust the effectiveness and applicability of the loan conditions. By determining the triggering situation of the loan conditions in each condition set in the previous statistical period, it is possible to understand the performance of these loan conditions in actual operations so that they can be optimized and adjusted in a timely manner. Different loan conditions may have different triggering frequencies and effects in different business scenarios and market environments. By regularly counting the triggering situation, it is possible to better adapt to changes and improve the efficiency and accuracy of the loan process.

[0080] E-commerce platforms can determine appropriate statistical cycles based on their own business characteristics and data volume, such as daily, every 6 hours, etc. At the end of each statistical cycle, the platform's data analysis system will count the triggering conditions of the loan conditions in each condition set in the previous statistical cycle. This includes determining which loan conditions are met by suppliers and which are not met. For each loan condition, the platform can set corresponding monitoring indicators, such as the number of triggers, the trigger ratio, the average trigger time, etc. By analyzing these indicators, the actual effect of the loan conditions and the existing problems can be understood. For example, if a certain loan condition has been triggered many times in the previous statistical cycle, resulting in frequent manual review, its priority can be increased so that the loan application can be directly rejected when the loan condition is violated.

[0081] S204, for a loan condition with the same priority as the initial priority, if the triggering situation satisfies the corresponding upgrade condition, the priority of the loan condition is increased.

[0082] It can be understood that the initial priority loan condition is the initial priority when it is set, and the upgrade condition is the standard for judging whether the loan condition should be upgraded. The upgrade condition of each loan condition can be set to be the same or different. With the development of the business and the changes in the supplier situation, the priority of certain loan conditions needs to be adjusted to improve work efficiency or reduce transaction risks, etc. In this embodiment, by setting the upgrade condition, the priority is dynamically adjusted according to the actual triggering situation of the loan condition and the relationship between the upgrade condition. In order to improve efficiency, the triggering situation may include the number of triggers, the trigger interval, etc. If the number of triggers is greater than the number threshold, the trigger interval is less than the interval threshold, etc., the same problem will be repeatedly required for manual review, affecting work efficiency. For this kind of problem, the priority can be directly raised to above the priority threshold. In this way, as long as the loan condition is not met, the loan will be directly rejected.

[0083] S206, for a loan condition whose priority is different from the initial priority, if the triggering condition satisfies the corresponding upgrade condition, the priority of the loan condition is maintained, otherwise, the priority of the loan condition is restored to the initial priority.

[0084] It can be understood that the loan conditions with priorities different from the initial priorities are loan conditions that have been upgraded. If the triggering conditions still meet the upgrade conditions in the previous statistical period, there is no need to upgrade them again, and the upgraded priority can be maintained. However, if the upgrade conditions are no longer met, they can be restored to the initial priority.

[0085] The adaptive priority adjustment method in this embodiment helps to better adapt to market fluctuations and changes in supplier groups. It can greatly improve the efficiency of loan issuance by directly refusing loans for those loan conditions that trigger many but do not meet them. By analyzing the triggering of loan conditions, the platform can quickly identify high-risk supplier requests and directly refuse loans, avoiding the tedious process and time cost of manual review. This not only improves the speed of the loan process, but also allows the platform's human resources to focus more on handling complex situations and in-depth analysis of high-risk cases, further improving the quality of loan decisions.

[0086] In one embodiment, the loan request is pushed to manual review, see Figure 3 , including steps S302 to S306.

[0087] S302, taking the loan conditions that the supplier does not meet as the target conditions.

[0088] It is understandable that when a supplier does not meet certain loan conditions, these conditions are identified as target conditions so that the target conditions can be analyzed and processed in a targeted manner. The purpose of this is to take into account that during manual review, further review is mainly conducted on the loan conditions that the supplier does not meet, and different departments are related to different loan conditions. Directly sending all violations to all reviewers will greatly reduce the review efficiency. In fact, each department only needs to receive the loan conditions that it is responsible for reviewing. Therefore, in order to improve the review efficiency, the target files need to be diverted.

[0089] S304: Determine maintainers and concerned persons corresponding to the target condition.

[0090] It is understandable that each loan condition has a corresponding person to maintain and optimize it, and they are also the reviewers of the loan conditions they configure. The followers are other people who have review conditions for the loan conditions, such as management, heads of relevant departments, etc.

[0091] Each loan condition is configured and modified by the user through condition maintenance operations. In order to facilitate the determination of the maintainer of the target condition, all condition maintenance operations corresponding to each loan condition will be recorded, especially the user information who performed the operation, so as to form a maintenance record of the loan condition. When it is necessary to determine the maintainer corresponding to the target condition, the maintainer of the target condition can be determined directly based on the corresponding maintenance record.

[0092] As for the concerned persons corresponding to the target conditions, the preset associated fields can be searched in the target conditions, and the searched preset associated fields can be determined as the target fields. Then, the concerned persons corresponding to the target conditions can be obtained according to the target fields and the first mapping relationship. The first mapping relationship reflects the correspondence between the preset associated fields and the preset reviewer set. The fields contained in each target condition can directly reflect the relationship with a specific concerned person. The preset associated fields are set based on the analysis of factors such as business areas and risk types that may be involved in different loan conditions. For example, the credit rating loan condition is related to the risk control department. The "credit rating" preset associated field can be mapped to the risk control department in the first mapping relationship. The existence of the first mapping relationship can correspond the searched target field to the specific concerned person set, ensuring accuracy and efficiency in determining the concerned person.

[0093] S306, generating items to be reviewed according to the target conditions, and pushing the items to be reviewed to maintainers and followers corresponding to the target conditions.

[0094] It can be understood that pending items are tasks or issues generated based on target conditions that need to be reviewed and handled by maintainers and followers. Generating pending items and pushing them to maintainers and followers can prompt them to conduct manual reviews in a timely manner and make a decision on whether to release the loan as soon as possible. By clarifying pending items, the efficiency and transparency of problem handling can be improved, ensuring that all parties are clear about their responsibilities and tasks.

[0095] The pending items are automatically generated by the system according to the target conditions, including the target conditions themselves and the metadata used to determine whether the target conditions are met, and can also include the associated indicators corresponding to the loan conditions. The associated indicators are set in advance and are additional considerations for determining whether the metadata meets the target conditions. For example, if the target condition is that the supplier's credit rating does not meet the standard, the pending items can be the analysis of the reasons for the low credit rating of the supplier, and the associated indicators can be the value of the collateral, the credit rating of the guarantor, etc. When the credit rating does not meet the standard, there is sufficient collateral to allow for loan issuance. After the pending items are generated, the system pushes them to the maintainers and followers corresponding to the target conditions. The push method can be through a dedicated task management system, email notification, or mobile application push. After receiving the pending items, the maintainers and followers can handle them according to their responsibilities and permissions. The maintainer can conduct specific analysis and propose solutions, and the follower can review and make decisions on the solutions to ensure that the problem is properly resolved. At the same time, the system can track and record the progress of the pending items so as to understand the resolution of the problem in a timely manner.

[0096] In one embodiment, the supplier is loaned money according to the loan request, see Figure 4 , including step S402 and step S408.

[0097] S402, issue a loan reminder to the loan department.

[0098] S404, after receiving the loan instruction for the loan prompt, re-determine whether the supplier meets all the loan conditions in the target condition set in order of priority from high to low.

[0099] It is understandable that when the supplier is initially determined to meet the loan conditions, the loan is not directly granted, but a loan reminder is first issued to the loan department. The purpose of the loan reminder is to remind the loan department that there is a new loan request to be processed, and the loan department will issue a loan instruction to start the loan process after confirmation. Then, after receiving the loan instruction for the loan reminder, it is necessary to re-judge whether the supplier meets all the loan conditions in the target condition set in order from high to low priority. This step reflects the concept of risk control. Although the supplier is considered to meet the loan conditions during the initial review, there is a time interval between the initial review and the issuance of the loan reminder, and the metadata used to judge each loan condition is updated and changed in real time. It is possible that the supplier no longer meets the loan conditions when the loan process is started. Therefore, it is very necessary to conduct a review. Re-judging the loan conditions can avoid incorrect loan decisions caused by data errors, system failures or other unexpected situations.

[0100] S406: If yes, start the loan process.

[0101] It is understandable that if during the review process, the supplier still meets all the loan conditions in the target condition set, then the loan process will be initiated. The platform also needs to track and manage the loan records to ensure the safety and reasonable use of funds. After the loan is issued, the platform can send a loan notice to the supplier, informing it of the amount, time and method of the loan, so that the supplier can understand the loan status in a timely manner.

[0102] S408, if not, a loan rejection message is sent to the supplier.

[0103] It is understandable that if it is found during the review process that the supplier does not meet the loan conditions in the target condition set, then a loan rejection message will be sent to the supplier.

[0104] In one embodiment, after the loan is successfully issued, please refer to Figure 5 , also includes steps S502 to S506.

[0105] S502, according to a preset cycle, determining a first limit based on the supplier's real-time sales data and determining a second limit based on the supplier's real-time credit rating.

[0106] It can be understood that after the loan is successfully issued, since the supplier's situation changes in real time, in order to improve the risk monitoring ability, the supplier's quota situation will be analyzed according to the preset period in this embodiment. Specifically, it is necessary to determine the first quota and the second quota respectively. The first quota is the upper limit of the loan amount determined based on the supplier's real-time sales data. Sales data may include indicators such as sales, sales volume, and sales growth rate. By analyzing these indicators, the supplier's business development and repayment ability can be evaluated, thereby determining a reasonable upper limit of the loan amount. For example, if the supplier's sales continue to grow and the sales growth rate is high, the first quota can be appropriately increased. The second quota is the upper limit of the loan amount determined based on the supplier's real-time credit rating. Risk ratings can be evaluated in a variety of ways, such as reports from credit rating agencies, the platform's own risk assessment model, changes in sales, etc. The higher the risk rating, the lower the risk of the supplier, and the corresponding second quota can be set higher. Conversely, if the risk rating is low, the second quota should be reduced accordingly.

[0107] S504, determining whether the total loan amount of the supplier is less than the sum of the first amount and the second amount.

[0108] S506, if not, a risk warning is issued to the associated personnel.

[0109] It can be understood that if the total loan amount is less than the sum of the two, it means that the current loan situation is within the controllable range and can continue to be observed. If the total loan amount is greater than or equal to the sum of the two, it means that there may be risks, and the system should immediately issue a risk warning to the associated personnel. Associated personnel may include personnel from the risk management department, the person in charge of the loan department, etc. Risk warnings can be sent by email, message push, etc. The content should include the basic information of the supplier, the current total loan amount, the first and second quotas, as well as possible risk analysis and recommended measures. After receiving the risk warning, the associated personnel can conduct further investigation and analysis according to the specific situation, and take corresponding measures, such as adjusting the loan amount, requiring the supplier to provide additional guarantee measures, and strengthening supervision of the supplier, etc., to reduce the loan risk.

[0110] In a second aspect, the present application provides a supply chain lending device, comprising:

[0111] The request response module is used to respond to the supplier's loan request and determine the preset supplier group to which the supplier belongs.

[0112] The condition selection module is used to determine the condition set corresponding to the preset supplier group as the target condition set. The condition set includes multiple loan conditions of different priorities.

[0113] The first judgment module is used to judge whether the supplier meets all the loan conditions in the target condition set in order of priority from high to low.

[0114] The first processing module is used to grant loans to the supplier according to the loan request when the supplier meets all the loan conditions in the target condition set.

[0115] The second judgment module is used to judge whether the highest priority loan condition among the loan conditions that the supplier does not meet is equal to or lower than the priority threshold when the supplier does not meet all the loan conditions in the target condition set.

[0116] The second processing module is used to push the loan request to manual review when the loan condition with the highest priority is higher than or equal to the priority threshold.

[0117] The third processing module is used to send a loan rejection message to the supplier when the loan condition with the highest priority is lower than the priority threshold.

[0118] In a third aspect, the present application provides a computer device comprising one or more processors and a memory, wherein the memory stores computer-readable instructions, and when the computer-readable instructions are executed by one or more processors, the steps of the supply chain loan method in any of the above-mentioned embodiments are executed.

[0119] In a fourth aspect, the present application provides a storage medium storing computer-readable instructions. When the computer-readable instructions are executed by one or more processors, the one or more processors execute the steps of the supply chain loan method in any of the above-mentioned embodiments.

[0120] For the specific limitations of the supply chain loan device, please refer to the limitations of the supply chain loan method above, which will not be repeated here. The various modules in the above-mentioned supply chain loan device can be implemented in whole or in part through software, hardware and their combination. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules. It should be noted that the division of modules in the embodiments of the present application is schematic and is only a logical function division. There may be other division methods in actual implementation.

[0121] In one embodiment, computer-readable instructions are stored in the memory, and when the computer-readable instructions are executed by one or more processors, the steps of the supply chain loan method in any of the above embodiments are performed.

[0122] Indicatively, Figure 3 As shown, Figure 3A schematic diagram of the internal structure of a computer device provided in an embodiment of the present application. Figure 3 The computer device 300 includes a processing component 302, which further includes one or more processors, and a memory resource represented by a memory 301 for storing instructions executable by the processing component 302, such as an application. The application stored in the memory 301 may include one or more modules, each corresponding to a set of instructions. In addition, the processing component 302 is configured to execute instructions to perform the steps of the supply chain loan method of any of the above embodiments.

[0123] The computer device 300 may further include a power supply component 303 configured to perform power management of the computer device 300 , a wired or wireless network interface 304 configured to connect the computer device 300 to a network, and an input / output (I / O) interface 305 .

[0124] In one embodiment, when the computer-readable instructions are executed by one or more processors, the one or more processors execute the steps of the supply chain lending method in any of the above embodiments.

[0125] Finally, it should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0126] The various embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The various embodiments can be combined as needed, and the same or similar parts can refer to each other.

[0127] The above description of the disclosed embodiments enables those skilled in the art to implement or use the present application. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present application. Therefore, the present application will not be limited to the embodiments shown herein, but will conform to the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A supply chain lending method, characterized in that: include: In response to a loan request from a supplier, determining a preset supplier group to which the supplier belongs; Determining the condition set corresponding to the preset supplier group as the target condition set; The condition set includes multiple loan conditions of different priorities; Determining whether the supplier meets all the loan conditions in the target condition set in order of priority from high to low; If so, loaning money to the supplier according to the loan request; If not, determining whether the loan condition with the highest priority among the loan conditions that the supplier does not meet is equal to or lower than the priority threshold; If yes, the loan request is sent to manual review; If not, a payment rejection message is sent to the supplier.

2. The supply chain lending method according to claim 1, characterized in that: Also includes: In any statistical period, determining the triggering status of the loan conditions in each condition set in the previous statistical period; For the loan condition whose priority is the same as the initial priority, if the triggering condition satisfies the corresponding upgrade condition, the priority of the loan condition is increased; For the loan condition whose priority is different from the initial priority, if the triggering condition satisfies the corresponding upgrade condition, the priority of the loan condition is maintained; otherwise, the priority of the loan condition is restored to the initial priority.

3. The supply chain lending method according to claim 2, characterized in that: The triggering condition includes the number of triggering times, and the upgrading condition includes that the number of triggering times is greater than the corresponding number threshold.

4. The supply chain lending method according to claim 1, characterized in that: The step of pushing the loan request to manual review includes: Taking the loan conditions that the supplier does not meet as the target condition; Determine the maintainer and concerned person corresponding to the target condition; Generate pending items according to the target conditions, and push the pending items to the maintainer and the concerned person corresponding to the target conditions.

5. The supply chain lending method according to claim 4, characterized in that: Determining the person of interest corresponding to the target condition includes: Searching for a preset associated field in the target condition, and determining the searched preset associated field as a target field; The concerned person corresponding to the target condition is obtained according to the target field and the first mapping relationship; the first mapping relationship reflects the corresponding relationship between the preset associated field and the preset reviewer set.

6. The supply chain lending method according to claim 4, characterized in that: The condition set is generated by the user through condition maintenance operation for the preset supplier group, and the supply chain loan method further includes: Recording the users who perform maintenance operations on each of the conditions to obtain maintenance records of the loan conditions; The determining the maintainer corresponding to the target condition includes: The maintainer of the target condition is determined according to the corresponding maintenance record.

7. The supply chain lending method according to claim 1, characterized in that: The lending to the supplier according to the lending request comprises: Send loan reminders to loan departments; After receiving the loan instruction for the loan prompt, re-determine whether the supplier meets all the loan conditions in the target condition set in order of priority from high to low; If yes, the loan process is initiated; If not, a payment rejection message is sent to the supplier.

8. The supply chain lending method according to claim 7, characterized in that: After the loan is successfully issued, it also includes: According to a preset period, the first quota is determined according to the real-time sales data of the supplier, and the second quota is determined according to the real-time credit rating of the supplier; Determine whether the total loan amount of the supplier is less than the sum of the first amount and the second amount; If not, a risk warning will be issued to related personnel.

9. A supply chain lending device, characterized in that: include: A request response module, used to respond to a supplier's loan request and determine the preset supplier group to which the supplier belongs; A condition selection module, used to determine the condition set corresponding to the preset supplier group as a target condition set; The condition set includes multiple loan conditions of different priorities; A first judgment module is used to judge whether the supplier meets all the loan conditions in the target condition set in order of priority from high to low; A first processing module, configured to grant a loan to the supplier according to the loan request if the supplier meets all the loan conditions in the target condition set; A second judgment module is used to judge whether the loan condition with the highest priority among the loan conditions that the supplier does not meet is equal to or lower than a priority threshold when the supplier does not meet all the loan conditions in the target condition set; A second processing module is used to push the loan request to manual review if the loan condition with the highest priority is higher than or equal to the priority threshold; The third processing module is used to send a loan rejection message to the supplier when the loan condition with the highest priority is lower than the priority threshold.

10. A computer device, characterized in that: It includes one or more processors and a memory, wherein the memory stores computer-readable instructions, and when the computer-readable instructions are executed by the one or more processors, the steps of the supply chain loan method described in any one of claims 1-8 are executed.

11. A storage medium, characterized in that: The storage medium stores computer-readable instructions, and when the computer-readable instructions are executed by one or more processors, the one or more processors execute the steps of the supply chain loan method described in any one of claims 1-8.

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