Supply chain finance approval method and system

Abstract

The embodiment of the invention discloses a supply chain financial examination and approval method and system. The supply chain financial examination and approval method comprises the following steps: receiving a loan application request of any participant on a supply chain; based on the loan application request, obtaining actual transaction data of each participant on the supply chain; based on the participation benefit model, obtaining balanced transaction data which meets the market demand constraint condition expression and maximizes the benefit value of each participant; determining the stability of the supply chain according to the actual transaction data and the balanced transaction data of each participant; and performing loan approval on any participant based on the actual transaction data of any participant and the stability of the supply chain. According to the embodiment of the invention, the operation balance degree of the whole supply chain network is considered, risk assessment and decision making can be accurately carried out, and the financial examination and approval accuracy of supply chain participants is improved.

Description

Technical Field

[0001] One or more embodiments of this specification relate to the field of information technology, and specifically to a supply chain finance approval method and system. Background Art

[0002] Supply chain refers to the network structure formed by upstream and downstream enterprises involved in the production and circulation process, which provides products or services to end users. At present, when conducting financial approval for supply chain participants, only the credit record, asset status, liability status and other relevant information of the supply chain participants are evaluated to determine whether to approve the application and set the corresponding loan amount, interest rate and other conditions. However, due to the close connection between upstream and downstream enterprises in the supply chain, each link and participant is interrelated and faces various changes and risks such as market demand fluctuations and supply interruptions. The existing financial approval method does not take into account the degree of balance of the entire supply chain network operation, and cannot accurately conduct risk assessment and decision-making, resulting in a relatively low accuracy rate of financial approval for supply chain participants. Summary of the invention

[0003] The embodiments of this specification provide a supply chain finance approval method and system, and the technical solution is as follows:

[0004] In a first aspect, an embodiment of the present specification provides a supply chain finance approval method, comprising: receiving a loan application request from any participant in the supply chain; based on the loan application request, obtaining actual transaction data of each participant in the supply chain; based on a participation benefit model, obtaining equilibrium transaction data that satisfies the market demand constraint expression and maximizes the benefit value of each participant; determining the stability of the supply chain based on the actual transaction data and equilibrium transaction data of each participant; and approving loans for any participant based on the actual transaction data of any participant and the stability of the supply chain.

[0005] On the second aspect, an embodiment of the present specification provides a supply chain finance approval system, including: a request receiving module, used to receive a loan application request from any participant in the supply chain; a data acquisition module, used to obtain the actual transaction data of each participant in the supply chain based on the loan application request; a data balance module, used to obtain the equilibrium transaction data that satisfies the market demand constraint expression and maximizes the profit value of each participant based on the participation benefit model; a stability module, used to determine the stability of the supply chain based on the actual transaction data and equilibrium transaction data of each participant; an approval module, used to approve the loan for any participant based on the actual transaction data of any participant and the stability of the supply chain.

[0006] In a third aspect, an embodiment of this specification provides an electronic device, comprising a processor and a memory; the processor is connected to the memory; the memory is used to store executable program code; the processor runs a program corresponding to the executable program code by reading the executable program code stored in the memory, so as to execute the steps of the supply chain finance approval method of the first aspect of the above embodiment.

[0007] In a fourth aspect, an embodiment of this specification provides a computer storage medium, which stores multiple instructions, and the instructions are suitable for being loaded by a processor and executing the steps of the supply chain finance approval method of the first aspect of the above embodiment.

[0008] The beneficial effects brought by the technical solutions provided by some embodiments of this specification include at least:

[0009] It is possible to first obtain the actual transaction data of each participant in the supply chain; through the participation benefit model, obtain the equilibrium transaction data that satisfies the market demand constraint expression and maximizes the benefit value of each participant; then compare the actual transaction data of each participant with the equilibrium transaction data to determine the stability of the supply chain; and then approve loans for any participant based on the actual transaction data of any participant and the stability of the supply chain. Whether the benefits of each supply chain participant are balanced reflects the stability of the supply chain. The embodiment of this specification is based on the participation benefit model and can obtain the equilibrium transaction data that maximizes the benefit value of each participant. The stability of the supply chain is determined through the actual transaction data of each participant and the equilibrium transaction data. The embodiment of this specification evaluates the stability of the supply chain as a whole, and approves loans based on the stability of the supply chain and the actual transaction data of the participants. It takes into account the degree of balance of the operation of the entire supply chain network, can accurately conduct risk assessment and decision-making, and improves the accuracy of financial approval for supply chain participants. BRIEF DESCRIPTION OF THE DRAWINGS

[0010] In order to more clearly illustrate the technical solutions in the embodiments of this specification, the drawings required for use in the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0011] Figure 1 This is a schematic diagram of an application scenario of a supply chain finance approval system provided in this manual.

[0012] Figure 2 This is a flowchart of a supply chain finance approval method provided in this manual.

[0013] Figure 3It is a structural diagram of a supply chain finance approval device provided in this specification.

[0014] Figure 4 This is a schematic diagram of the structure of an electronic device provided in this manual. DETAILED DESCRIPTION

[0015] The technical solutions in the embodiments of this specification will be described clearly and completely below in conjunction with the drawings in the embodiments of this specification.

[0016] The terms "first", "second", etc. in the description and claims of this specification and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. In addition, the term "comprising" and any variation thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed steps or units, but optionally also includes steps or units that are not listed, or optionally also includes other steps or units inherent to these processes, methods, products or devices.

[0017] The supply chain finance approval method provided in multiple embodiments of this specification can be executed by the supply chain finance approval system provided in the embodiments of the present invention, or a server integrated with the supply chain finance approval system, wherein the supply chain finance approval system can be implemented in hardware or software.

[0018] Before elaborating on the supply chain finance approval method in detail in combination with one or more embodiments, this specification first introduces the application scenarios of the supply chain finance approval method.

[0019] The embodiments of this specification provide a supply chain finance approval method, device, electronic device and medium. Specifically, the embodiments of this application provide a supply chain finance approval device, which can be integrated in a computer device, and the computer device can include a server, etc. The server can be an intercommunication server between multiple heterogeneous systems or a background server of a content interaction system. It can also be an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, and big data and artificial intelligence platforms.

[0020] See also Figure 1 , Figure 1The schematic diagram of the scenario of the supply chain finance approval system 100 provided in the embodiment of the present invention is as follows. The supply chain finance approval system 100 may include a supply chain finance approval device 110 and a client 130 corresponding to a supply chain participant 120. The supply chain finance approval device 110 is connected in communication with the client 130. The client 130 may be a terminal device, an application program or a user interface that interacts with a server in a computer network. The client is used to send a request to the supply chain finance approval device 110 and receive a response from the supply chain finance approval device 110.

[0021] In the embodiments of the present specification, the supply chain finance approval device 110 can be integrated on a computer device such as a server, and the computer device can receive a loan application request from any participant in the supply chain; based on the loan application request, obtain the actual transaction data of each participant in the supply chain; based on the participation benefit model, obtain the equilibrium transaction data that satisfies the market demand constraint expression and maximizes the benefit value of each participant; determine the stability of the supply chain based on the actual transaction data and equilibrium transaction data of each participant; and approve loans for any participant based on the actual transaction data of any participant and the stability of the supply chain.

[0022] It should be noted that Figure 1 The supply chain finance approval system scenario diagram shown is only an example. The supply chain finance approval system and scenario described in the embodiment of the present invention are intended to more clearly illustrate the technical solution of the embodiment of the present invention, and do not constitute a limitation on the technical solution provided by the embodiment of the present invention. Ordinary technicians in this field can know that with the evolution of the supply chain finance approval system and the emergence of new scenarios, the technical solution provided by the embodiment of the present invention is also applicable to similar technical problems.

[0023] The following are detailed descriptions respectively. It should be noted that the description order of the following embodiments is not intended to limit the preferred order of the embodiments.

[0024] The embodiments of this specification will be described from the perspective of a supply chain finance approval apparatus 110 , which may be integrated into a computer device, which may be a server or other device.

[0025] like Figure 2 The embodiment of this specification provides a supply chain finance approval method, which is applied to a supply chain finance approval device 110. The supply chain finance approval device 110 includes a supply chain finance approval platform. The specific process includes:

[0026] 200. Receive loan application requests from any participant in the supply chain.

[0027] In this embodiment, the supply chain is a network structure formed by upstream and downstream enterprises involved in the production and circulation process, which provide products or services to end users. The supply chain may include several participants, each of which is located in various links of the supply chain. The loan application request may include a request for a supply chain participant to submit an application to the supply chain financial approval platform through a client to obtain loan funds.

[0028] 210. Based on the loan application request, obtain the actual transaction data of each participant in the supply chain.

[0029] In some embodiments, based on the loan application request, actual transaction data of each participant in the supply chain is obtained, including: obtaining the number of agreed payment method types, the number of historical transactions, and the number of disputes in historical transactions between participants i and j; determining the actual transaction channel level between participants i and j based on the number of agreed payment method types, the number of historical transactions, and the number of disputes in historical transactions; obtaining the information sharing level between participants i and j; and determining the actual information sharing level between participants i and j based on the information sharing level.

[0030] In this embodiment, the actual transaction data may include actual product transaction prices, actual product transaction volumes, actual transaction channel levels, actual information sharing levels, etc.

[0031] For example, actual transaction data of each participant, such as actual product transaction price, actual product transaction volume, actual transaction channel level, actual information sharing level, etc., can be uploaded to the storage terminal corresponding to each participant for storage. When the supply chain finance approval device 110 obtains the actual transaction data, it can directly call the actual transaction data from the storage terminal corresponding to the participant.

[0032] This embodiment can obtain the number of agreed payment method types, the number of historical transactions, and the number of disputes in historical transactions between participants i and j, and then determine the actual transaction channel level between participants i and j based on the number of agreed payment method types, the number of historical transactions, and the number of disputes in historical transactions. The actual transaction channel level is a function of the number of agreed payment method types, the number of historical transactions, and the number of disputes in historical transactions, which can be obtained by fitting a function using historical sample data or by training a neural network.

[0033] Among them, the transaction channel can be a dedicated transaction warehouse; the agreed payment method types can include but are not limited to: pay at any time, monthly payment, semi-annual payment, current payment, etc.

[0034] For example, Company A has trading partners such as Company B and Company C. When Company A and Company B conduct transactions, they can have four agreed payment methods: pay at any time, pay monthly, pay half a year, and pay now. The number of historical transactions between Company A and Company B is 1,000, and the number of disputes in historical transactions is 0. Then, based on the number of agreed payment method types between Company A and Company B, which is 4, the number of historical transactions is 1,000, and the number of disputes in historical transactions is 0, it can be determined that the actual transaction channel level between Company A and Company B is relatively high. When Company A and Company C conduct transactions, the number of historical transactions between Company A and Company C is 50, and the number of disputes in historical transactions is 5. Company C can only pay now. Then, based on the number of agreed payment method types between Company A and Company C, which is 1, the number of historical transactions is 50, and the number of disputes in historical transactions is 5, it can be determined that the actual transaction channel level between Company A and Company C is relatively low. Therefore, when establishing a transaction channel, Company A specially prepares a large warehouse stocking capacity for Company B. For example, when selling to Company B, it can prepare 1,000 pieces in advance and wait for B to buy. However, Company C did not have this treatment and only prepared 100 pieces in advance, and any additional items would require waiting for the construction period.

[0035] In this embodiment, the information sharing level between participant i and participant j can be obtained; then the actual information sharing level between participant i and participant j is determined according to the information sharing level. The information sharing level can be the level at which one supply chain participant shares business data with another participant. Business data can include the number of pending orders, the number of currently completed orders, wholesale prices, the current number of produced, etc.

[0036] In this embodiment, different numerical values ​​can represent different information sharing levels, and the higher the numerical value, the higher the information sharing level. For example, for low-level participants, only the range of pending order quantities is shared; for medium-level participants, the specific numerical values ​​of pending order quantities and currently completed order quantities can be shared; for high-level participants, business data such as pending order quantities, currently completed order quantities, wholesale prices, and current production quantities can be shared. The level of information sharing in this embodiment can affect the level of cooperation between different enterprises, and reduce the waste risks and operating risks faced by different enterprises due to lack of understanding of each other's operating conditions. With a high level of information sharing, enterprises face low waste risks and operating risks, have a high possibility of profitability, and can obtain multiple loans.

[0037] 220. Based on the participation benefit model, the equilibrium transaction data that satisfies the market demand constraint expression and maximizes the benefits of each participant is obtained.

[0038] The balanced transaction data may be the recommended transaction data that balances the benefits of the entire supply chain and maximizes the benefits of each participant. The recommended transaction data may include the recommended product transaction price, the recommended product transaction volume, the recommended transaction channel level, the recommended information sharing level, etc.

[0039] In this embodiment, when any participant applies for a loan request, the participation benefit model can be called in real time, and then the equilibrium transaction data that maximizes the benefit value of each participant can be obtained through the participation benefit model and the market demand constraint expression.

[0040] In some embodiments, based on the participation benefit model, before obtaining the equilibrium transaction data that satisfies the market demand constraint expression and maximizes the benefit value of each participant, it also includes: obtaining the participant product benefit expression related to the product transaction volume, transaction channel level, and information sharing level; obtaining the participant channel benefit expression related to the transaction channel level; obtaining the participant information benefit expression related to the information sharing level; establishing the participation benefit model based on the participant product benefit expression, the participant channel benefit expression, and the participant information benefit expression.

[0041] In some embodiments, in obtaining the participant product benefit expression related to the product transaction volume, transaction channel level, and information sharing level, the product benefit expression is: where q ij is the product transaction volume between participant i and participant j, n is the number of participants of the same type as participant j, ρ ij is the product transaction price between participant i and participant j, f i (Q 1 ) is the production cost of the product of participant i, Q 1 is the product output of all participants of the same type as participant i and including participant i, s ij is the transaction channel level between participant i and participant j, is the level of information sharing between participants i and j, represents the transaction cost c between participant i and participant j ij , transaction cost c ij It's about q ij 、s ij , function.

[0042] In this embodiment, y1 = f i (Q 1 ) is a function of the product output of all participants of the same type as participant i and including participant i, and the function input is the product output Q of all participants of the same type as participant i and including participant i1 , the function output is the production cost y1 of the product of participant i, and the product output Q 1 , the production cost y1 of the product of participant i can be obtained from the historical operating data of participant i, y1 = f i (Q 1 ) function can be obtained by fitting the function with historical sample data or by training a neural network.

[0043] In this embodiment, Indicates about q ij 、s ij , The function input is the product transaction volume q between participants i and j. ij , the transaction channel level s between participants i and j ij , the level of information sharing between participants i and j The function output is the transaction cost c between participant i and participant j ij ,about The function input and function output can be obtained from the historical operating data of participant i. The function can be obtained by fitting the function using historical sample data, or by training a neural network.

[0044] In some embodiments, in obtaining the participant channel benefit expression related to the transaction channel level, the participant channel benefit expression is: channel benefit = v i (S 1 ,Q 1 )-l i (S 1 ), where v i (S 1 ,Q 1 ) represents the transaction channel level S between participant i and all other participants 1 And product output Q 1 The payoff of participant i is l i (S 1 ) Build transaction channel level S for participant i 1 The total cost, S 1 =∑S ij , S ij represents the transaction channel level between participant i and participant j, represents the theoretical maximum value of the transaction channel level between participant i and participant j,

[0045] In this embodiment, y3 = v i (S 1 ,Q1 ) represents the transaction channel level S between participant i and all other participants 1 And product output Q 1 The function input is the transaction channel level S between participant i and all other participants 1 And product output Q 1 , the function output is the benefit of participant i, about y3=v i (S 1 ,Q 1 ) can be obtained through the historical operating data of participant i, function y3 = v i (S 1 ,Q 1 ) can be obtained by fitting functions with historical sample data or by training neural networks.

[0046] In this embodiment, y4=1 i (S 1 ) is the transaction channel level S for participant i 1 The function input is the transaction channel level S between participant i and all other participants 1 , the function output is the transaction channel level S constructed by participant i 1 The total cost (such as the cost of building a dedicated warehouse for trading by participant i), about y4 = l i (S 1 ) can be obtained through the historical operating data of participant i, function y4=l i (S 1 ) can be obtained by fitting functions with historical sample data or by training neural networks.

[0047] In some embodiments, in obtaining the information benefit expression of the participant related to the information sharing level, the information benefit expression of the participant is: Among them, u i (η 1 ) represents the information sharing level scheme η 1 The benefits of participant i under the information sharing level scheme η 1 Indicates the number of participants i A collection of represents the level of information sharing between participants i and j, Represents the cost coefficient of sharing information between participants i and j.

[0048] In this embodiment, y5 = u i (η 1 ) is the information sharing level scheme η 1The function input is the information sharing level between participant i and other participants, and the function output is the benefit of participant i. i (η 1 ) can be obtained through the historical operating data of participant i, and the function y5 = u i (η 1 ) can be obtained by fitting functions with historical sample data or by training neural networks.

[0049] In this embodiment, is a function of the cost coefficient of information sharing between participants i and j and the information sharing level between participants i and j. The function input is the information sharing level between participant i and each participant. The function output can be the order transaction cost of participant i. The function input and function output can be obtained through the historical operating data of participant i, etc. It can be obtained by fitting functions using historical sample data or by training neural networks.

[0050] In some embodiments, a participation benefit model is established based on the participant product benefit expression, the participant channel benefit expression, and the participant information benefit expression. The participation benefit model is: participation benefit =

[0051] in, m represents the number of participants of the same type as participant i.

[0052] In some embodiments, based on the participation benefit model, the equilibrium transaction data that satisfies the market demand constraint expression and maximizes the benefit value of each participant is obtained, and the market demand constraint expression is:

[0053] in, represents the set of positive real numbers, d j (ρ ij ) represents the product transaction price ρ between participants i and j ij The market demand for products under Represents the product demand price between participants i and j.

[0054] In this embodiment, each participant in the market transaction needs to meet the requirements that the product transaction volume is not less than the market product demand volume and the product transaction price is not less than the product demand price, so that the profit value of each participant is maximized to meet the market demand. Among them, the product demand price can be obtained from historical business data.

[0055] 230. Determine the stability of the supply chain based on the actual transaction data and equilibrium transaction data of each participant.

[0056] In some embodiments, the stability of the supply chain is determined based on the actual transaction data and equilibrium transaction data of each participant, including: calculating the distance between the actual transaction data and the equilibrium transaction data of each participant; and determining the stability of the supply chain based on the distance between the actual transaction data and the equilibrium transaction data of each participant.

[0057] In this embodiment, the actual transaction data of each participant can be compared with the equilibrium transaction data obtained based on the participation benefit model, and the distance between the two can be calculated to obtain the difference between the actual transaction data of the participant and the equilibrium transaction data. Then, the distances corresponding to each supply chain participant are added together to obtain the stability of the entire supply chain.

[0058] 240. Loan approval will be conducted for any participant based on their actual transaction data and the stability of the supply chain.

[0059] The embodiments of this specification can first obtain the actual transaction data of each participant in the supply chain; through the participation benefit model, the equilibrium transaction data that satisfies the market demand constraint expression and maximizes the benefit value of each participant is obtained; then the actual transaction data of each participant is compared with the equilibrium transaction data to determine the stability of the supply chain; and then the loan approval is conducted for any participant based on the actual transaction data of any participant and the stability of the supply chain. Whether the benefits of each supply chain participant are balanced reflects the stability of the supply chain. Based on the participation benefit model, the embodiments of this specification can obtain the equilibrium transaction data that maximizes the benefit value of each participant. The stability of the supply chain is determined through the actual transaction data of each participant and the equilibrium transaction data. The embodiments of this specification evaluate the stability of the supply chain as a whole, and approve loans based on the stability of the supply chain and the actual transaction data of the participants. The balance of the operation of the entire supply chain network is taken into account, and risk assessment and decision-making can be accurately performed, which improves the accuracy of financial approval for supply chain participants.

[0060] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0061] See also Figure 3 , Figure 3 A schematic diagram of the structure of a supply chain finance approval device in a supply chain finance approval system provided in an embodiment of this specification.

[0062] like Figure 3 As shown, the supply chain finance approval device may at least include: a request receiving module 300, a data acquisition module 310, a data balancing module 320, a stability module 330 and an approval module 340, wherein:

[0063] A request receiving module 300 is used to receive a loan application request from any participant in the supply chain;

[0064] The data acquisition module 310 is used to acquire actual transaction data of each participant in the supply chain based on the loan application request;

[0065] The data balancing module 320 is used to obtain balanced transaction data that satisfies the market demand constraint expression and maximizes the benefit value of each participant based on the participation benefit model;

[0066] A stability module 330, for determining the stability of the supply chain based on the actual transaction data and the equilibrium transaction data of each participant;

[0067] The approval module 340 is used to approve loans for any participant based on the actual transaction data of any participant and the stability of the supply chain.

[0068] In some embodiments, the data balance module 320 includes a model building module, which is used to: obtain the participant product benefit expression related to the product transaction volume, transaction channel level, and information sharing level; obtain the participant channel benefit expression related to the transaction channel level; obtain the participant information benefit expression related to the information sharing level; and establish a participation benefit model based on the participant product benefit expression, the participant channel benefit expression, and the participant information benefit expression.

[0069] In some embodiments, the model building module includes a product benefit acquisition module, in which the product benefit expression is:

[0070] where q ij is the product transaction volume between participant i and participant j, n is the number of participants of the same type as participant j, ρ ij is the product transaction price between participant i and participant j, f i (Q 1 ) is the production cost of the product of participant i, Q 1 is the product output of all participants of the same type as participant i and including participant i, sij is the transaction channel level between participant i and participant j, is the level of information sharing between participants i and j, represents the transaction cost c between participant i and participant j ij , transaction cost c ij It's about q ij 、s ij , function.

[0071] In some embodiments, the model building module includes a channel benefit module, in which the channel benefit expression of the participating party is:

[0072] Channel efficiency = v i (S 1 ,Q 1 )-l i (S 1 ), where v i (S 1 ,Q 1 ) represents the transaction channel level S between participant i and all other participants 1 And product output Q 1 The payoff of participant i is l i (S 1 ) Build transaction channel level S for participant i 1 The total cost, S 1 =∑S ij , S ij represents the transaction channel level between participant i and participant j, represents the theoretical maximum value of the transaction channel level between participant i and participant j,

[0073] In some embodiments, the model building module includes an information benefit module, in which the information benefit expression of the participating parties is:

[0074] Among them, u i (η 1 ) represents the information sharing level scheme η 1 The benefits of participant i under the information sharing level scheme η 1 Indicates the number of participants i A collection of represents the level of information sharing between participants i and j, Represents the cost coefficient of sharing information between participants i and j.

[0075] In some embodiments, the model building module includes a model building submodule, in which the participation benefit model is:

[0076] in, m represents the number of participants of the same type as participant i.

[0077] In some embodiments, the data balancing module 320 includes a market constraint module, in which the market demand constraint condition expression is:

[0078] in, represents the set of positive real numbers, d j (ρ ij ) represents the product transaction price ρ between participants i and j ij The market demand for products under Represents the product demand price between participants i and j.

[0079] In some embodiments, in the data acquisition module 310, the actual transaction data includes the actual product transaction price, the actual product transaction volume, the actual transaction channel level, and the actual information sharing level; the data acquisition module 310 includes a data acquisition sub-module, and the data acquisition sub-module is used to: obtain the number of agreed payment method types, the number of historical transactions, and the number of disputes in historical transactions between participants i and j; determine the actual transaction channel level between participants i and j based on the number of agreed payment method types, the number of historical transactions, and the number of disputes in historical transactions; obtain the information sharing level between participants i and j; and determine the actual information sharing level between participants i and j based on the information sharing level.

[0080] In some embodiments, the stability module 330 includes a stability calculation module, which is used to: calculate the distance between the actual transaction data of each participant and the equilibrium transaction data; and determine the stability of the supply chain based on the distance between the actual transaction data of each participant and the equilibrium transaction data.

[0081] Based on the contents of the supply chain finance approval system in multiple embodiments of this specification, it can be known that the embodiments of this specification are based on the participation benefit model, and can obtain equilibrium transaction data that maximizes the benefits of each participant. The stability of the supply chain is determined through the actual transaction data of each participant and the equilibrium transaction data. The embodiments of this specification evaluate the stability of the supply chain as a whole, and perform loan approval based on the stability of the supply chain and the actual transaction data of the participants. It takes into account the degree of balance of the operation of the entire supply chain network, can accurately perform risk assessment and decision-making, and improves the accuracy of financial approval for supply chain participants.

[0082] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the supply chain finance approval system embodiment, since it is basically similar to the supply chain finance approval method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0083] See also Figure 4 A schematic diagram of the structure of an electronic device provided in an embodiment of this specification is shown.

[0084] like Figure 4 As shown, the electronic device 400 may include: at least one processor 401 , at least one network interface 404 , a user interface 403 , a memory 405 , and at least one communication bus 402 .

[0085] The communication bus 402 may be used to realize the connection and communication among the above-mentioned components.

[0086] The user interface 403 may include buttons, and the optional user interface may also include a standard wired interface or a wireless interface.

[0087] The network interface 404 may include, but is not limited to, a Bluetooth module, an NFC module, a Wi-Fi module, etc.

[0088] Among them, the processor 401 may include one or more processing cores. The processor 401 uses various interfaces and lines to connect the various parts of the entire electronic device 400, and executes various functions and processes data of the electronic device 400 by running or executing instructions, programs, code sets or instruction sets stored in the memory 405, and calling data stored in the memory 405. Optionally, the processor 401 can be implemented in at least one hardware form of DSP, FPGA, and PLA. The processor 401 can integrate one or a combination of CPU, GPU, modem, etc. Among them, the CPU mainly processes the operating system, user interface, and application programs; the GPU is responsible for rendering and drawing the content to be displayed on the display screen; the modem is used to process wireless communications. It can be understood that the above-mentioned modem may not be integrated into the processor 401, and it can be implemented separately through a chip.

[0089] Among them, the memory 405 may include RAM or ROM. Optionally, the memory 405 includes a non-transitory computer-readable medium. The memory 405 can be used to store instructions, programs, codes, code sets or instruction sets. The memory 405 may include a program storage area and a data storage area, wherein the program storage area may store instructions for implementing an operating system, instructions for at least one function (such as a touch function, a sound playback function, an image playback function, etc.), instructions for implementing the above-mentioned various method embodiments, etc.; the data storage area may store data involved in the above-mentioned various method embodiments, etc. The memory 405 may also be at least one storage device located away from the aforementioned processor 401. The memory 405 as a computer storage medium may include an operating system, a network communication module, a user interface module, and a supply chain finance approval application. The processor 401 may be used to call the supply chain finance approval application stored in the memory 405 and execute the steps of supply chain finance approval mentioned in the above-mentioned embodiments.

[0090] The embodiment of the present specification also provides a computer-readable storage medium, in which instructions are stored. When the instructions are executed on a computer or a processor, the computer or the processor executes the above Figure 2 One or more steps in the illustrated embodiment. If the components of the electronic device described above are implemented in the form of software functional units and sold or used as independent products, they can be stored in a computer-readable storage medium.

[0091] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loading and executing computer program instructions on a computer, the process or function according to the embodiment of this specification is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices. The computer instructions can be stored in a computer-readable storage medium or transmitted by a computer-readable storage medium. The computer instructions can be transmitted from a website site, a computer, a server or a data center to another website site, a computer, a server or a data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (Digital Subscriber Line, DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) mode. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server, a data center, etc. that contains one or more available media integrated. Available media may be magnetic media (eg, floppy disks, hard disks, magnetic tapes), optical media (eg, digital versatile discs (DVD)), or semiconductor media (eg, solid state disks (SSD)).

[0092] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through a computer program, and the program can be stored in a computer-readable storage medium. When the program is executed, it can include the processes of the embodiments of the above-mentioned methods. The aforementioned storage medium includes: ROM, RAM, magnetic disk or optical disk and other media that can store program codes. In the absence of conflict, the technical features in this embodiment and the implementation scheme can be combined arbitrarily.

[0093] The embodiments described above are merely preferred embodiments of this specification and are not intended to limit the scope of this specification. Without departing from the design spirit of this specification, various modifications and improvements made to the technical solutions of this specification by ordinary technicians in this field should fall within the scope of protection determined by the claims of this specification.

Claims

1. A supply chain finance approval method, characterized in that: include: Receive loan application requests from any participant in the supply chain; Based on the loan application request, obtaining actual transaction data of each participant in the supply chain; Based on the participation benefit model, the equilibrium transaction data that satisfies the market demand constraint expression and maximizes the benefits of each participant is obtained; Determining the stability of the supply chain based on the actual transaction data of each participant and the equilibrium transaction data; Based on the actual transaction data of any participant and the stability of the supply chain, loan approval is conducted for any participant.

2. The supply chain participation method according to claim 1, characterized in that: Before obtaining the equilibrium transaction data that satisfies the market demand constraint expression and maximizes the benefit value of each participant based on the participation benefit model, it also includes: Obtain expressions of the product benefits of participants related to product transaction volume, transaction channel level, and information sharing level; Get the channel benefit expression of the participants related to the transaction channel level; Obtain an expression of the information benefits of the parties related to the level of information sharing; The participation benefit model is established according to the participant product benefit expression, the participant channel benefit expression and the participant information benefit expression.

3. The supply chain participation method according to claim 2, characterized in that: In the expression of the participant product benefit related to the product transaction volume, transaction channel level, and information sharing level, the product benefit expression is: where q ij is the product transaction volume between participant i and participant j, n is the number of participants of the same type as participant j, ρ ij is the product transaction price between participant i and participant j, f i (Q 1 ) is the production cost of the product of participant i, Q 1 is the product output of all participants of the same type as participant i and including participant i, s ij is the transaction channel level between participant i and participant j, is the level of information sharing between participants i and j, represents the transaction cost c between participant i and participant j ij , transaction cost c ij It's about q ij 、s ij , function.

4. The supply chain participation method according to claim 3, characterized in that: In the expression for obtaining the participant channel benefit related to the transaction channel level, the participant channel benefit expression is: Channel efficiency = v i (S 1 ,Q 1 )-l i (S 1 ), where v i (S 1 ,Q 1 0 means the transaction channel level S between participant i and all other participants 1 And product output Q 1 The benefit of participant i is as follows: i (S 1 ) Build transaction channel level S for participant i 1 The total cost, S 1 =∑S ij , S ij represents the transaction channel level between participant i and participant j, represents the theoretical maximum value of the transaction channel level between participant i and participant j, 5. The supply chain participation method according to claim 4, characterized in that: In the expression of obtaining the information benefit of the participants related to the information sharing level, the expression of the information benefit of the participants is: Among them, u i (η 1 ) represents the information sharing level scheme η 1 The benefits of participant i are as follows: 1 Indicates the number of participants i A collection of represents the level of information sharing between participants i and j, Represents the cost coefficient of sharing information between participants i and j.

6. The supply chain participation method according to claim 5, characterized in that: In establishing the participation benefit model according to the participant product benefit expression, the participant channel benefit expression and the participant information benefit expression, the participation benefit model is: m represents the number of participants of the same type as participant i.

7. The supply chain participation method according to claim 6, characterized in that: Based on the participation benefit model, the equilibrium transaction data that satisfies the market demand constraint expression and maximizes the benefit value of each participant is obtained. The market demand constraint expression is: in, represents the set of positive real numbers, d j (ρ ij ) represents the product transaction price ρ between participants i and j ij The market demand for products under Represents the product demand price between participants i and j.

8. The supply chain participation method according to claim 7, characterized in that: The actual transaction data includes actual product transaction price, actual product transaction volume, actual transaction channel level, and actual information sharing level; The obtaining of actual transaction data of each participant in the supply chain based on the loan application request includes: Obtain the number of payment method types agreed upon between the participant i and the participant j, the number of historical transactions, and the number of disputes arising from historical transactions; Determine the actual transaction channel level between the participant i and the participant j according to the number of agreed payment method types, the number of historical transactions, and the number of disputes in historical transactions; Obtaining the information sharing level between the participant i and the participant j; The actual information sharing level between the participant i and the participant j is determined according to the information sharing level.

9. The supply chain participation method according to claim 8, characterized in that: Determining the stability of the supply chain according to the actual transaction data of each participant and the equilibrium transaction data includes: Calculating the distance between the actual transaction data of each participant and the equilibrium transaction data; The stability of the supply chain is determined based on the distance between the actual transaction data of each participant and the equilibrium transaction data.

10. A supply chain finance approval system, characterized in that: include: A request receiving module is used to receive loan application requests from any participant in the supply chain; A data acquisition module, used to acquire actual transaction data of each participant in the supply chain based on the loan application request; The data balance module is used to obtain the balanced transaction data that satisfies the market demand constraint expression and maximizes the benefit value of each participant based on the participation benefit model; A stability module, used to determine the stability of the supply chain based on the actual transaction data of each participant and the equilibrium transaction data; An approval module is used to approve loans to any participant based on the actual transaction data of the any participant and the stability of the supply chain.

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