Financing management method and system for small and medium-sized enterprises, terminal and medium

Abstract

The invention belongs to the field of financing management, and particularly discloses a financing management method and system for small and medium-sized enterprises, a terminal and a medium, an enterprise financing request is received, and financing demand information and enterprise basic information are extracted from the enterprise financing request; matching a financing product for the enterprise according to the financing demand information, and pushing the financing product to the enterprise; receiving an enterprise financing online application request, monitoring a financing progress and a repayment state, and displaying enterprise financing information at a front end; obtaining credit evaluation data from a target data source according to the enterprise basic information; processing the credit assessment data by using a pre-trained credit assessment large model to obtain enterprise credit assessment information; and pushing the enterprise evaluation information to an enterprise and a financial institution. The accuracy of risk assessment and financing product matching is improved, and the financing efficiency and success rate are improved.

Description

Technical Field

[0001] The present invention belongs to the field of financing management, and in particular relates to a financing management method, system, terminal and medium for small and medium-sized enterprises. Background Art

[0002] Traditional financing methods often rely on cumbersome offline review processes, which are not only time-consuming but also inefficient, making it difficult to meet the fast and flexible funding needs of SMEs. In addition, due to the small size of SMEs and their imperfect credit records, financial institutions often face information asymmetry when evaluating their financing, resulting in widespread difficulty and high cost of financing.

[0003] Traditional financing management methods mostly rely on manual review and simple credit scoring models, which often fail to fully and accurately reflect the credit status and financing needs of enterprises. At the same time, due to the limitations of data acquisition and processing, it is difficult for financial institutions to conduct accurate risk assessment and financing product matching for SMEs, thus limiting the efficiency and success rate of financing. Summary of the invention

[0004] To solve the above problems, the present invention provides a method, system, terminal and medium for financing management of small and medium-sized enterprises, which improve the accuracy of risk assessment and financing product matching, and improve financing efficiency and success rate.

[0005] In a first aspect, the technical solution of the present invention provides a method for managing financing of small and medium-sized enterprises, comprising the following steps: Receive enterprise financing requests, and extract financing demand information and enterprise basic information from the enterprise financing requests; Match financing products to enterprises based on their financing needs and push them to them; Receive online application requests for corporate financing, monitor financing progress and repayment status, and display corporate financing information on the front end; Obtain credit assessment data from the target data source based on the basic information of the enterprise; Use the pre-trained credit assessment model to process the credit assessment data and obtain the enterprise credit assessment information; Push enterprise assessment information to enterprises and financial institutions.

[0006] In an optional implementation, receiving a financing request from an enterprise, and extracting financing demand information and basic enterprise information from the financing request from the enterprise, specifically includes: Build a queue of corporate financing requests; receiving a corporate financing request and adding the corporate financing request to a corporate financing request queue; Periodically check whether the enterprise financing request queue is empty; If not, extract the earliest corporate financing request from the corporate financing request queue according to the first-in-first-out principle; Financing demand information and basic enterprise information are extracted from the earliest extracted enterprise financing request.

[0007] In an optional implementation, matching financing products for an enterprise based on the financing demand information and pushing them to the enterprise specifically includes: Collect information on financing products from financial institutions and enter it into the database; Analyze the financing demand information of enterprises to extract target demand parameters; According to the matching algorithm, the target demand parameters are matched with the information of each financing product in the database to obtain the matching score with each financing product; According to the matching scores, several financing products with the highest scores are selected as the financing products to be selected; Assess the quality of each selected financing product based on interest rate, quota and term; The weighted sum of the matching score and the quality score is taken to obtain the comprehensive score of each candidate financing product; Based on the comprehensive score, at least one financing product with the highest score is selected as the target financing product and pushed to the enterprise.

[0008] In an optional implementation, receiving an online application request for corporate financing and monitoring financing progress and repayment status specifically include: Receive online application requests for corporate financing, review the online application requests, and feedback the review results to the enterprise; If the online application is approved, the audit materials provided by the enterprise will be received; After reviewing the audit materials, the audit results will be fed back to the enterprise; If the materials are approved, a contract signing request will be sent back to the enterprise; Receive feedback from enterprises on contract signing results; Monitor the financing process from online application request to contract signing; In response to the successful signing of the contract, a repayment monitoring task for the current contract is established; Start the established repayment monitoring task to monitor the repayment status; If the repayment is abnormal, the alarm information will be displayed on the front end.

[0009] In an optional implementation, obtaining credit assessment data from a target data source according to basic information of the enterprise specifically includes: Send an authentication request with identity information to the target data source; Receive the identity authentication result fed back by the target data source; If the identity authentication is passed, a data query request with basic enterprise information is sent to the target data source; Receive credit assessment data fed back by the target data source.

[0010] In an optional implementation, the credit assessment data is processed using a pre-trained credit assessment model to obtain corporate credit assessment information, specifically including: Preprocessing of credit assessment data; Input the preprocessed credit assessment data into the trained credit assessment model to output the credit default prediction probability; Determine the credit score based on the predicted probability of credit default based on a linear change; Credit ratings are divided into different levels based on credit scores.

[0011] In an optional embodiment, after receiving an online application request for corporate financing and monitoring the financing progress and repayment status, the following steps are also included: Establish a real-time monitoring task for corporate financing risks; Start the established real-time monitoring task of corporate financing risks, periodically obtain the latest credit assessment data from the target data source, and process the latest credit assessment data according to the pre-trained credit assessment model to obtain the latest corporate credit assessment information; Provide early warning of corporate financing risks based on the latest corporate credit assessment information.

[0012] In a second aspect, the technical solution of the present invention provides a small and medium-sized enterprise financing management system, comprising: A financing request processing module is used to receive a financing request from an enterprise and extract financing demand information and basic enterprise information from the financing request; Financing product matching module, used to match financing products for enterprises based on financing demand information and push them to enterprises; Financing information monitoring module, used to receive online application requests for corporate financing, monitor financing progress and repayment status, and display corporate financing information on the front end; An evaluation data acquisition module is used to obtain credit evaluation data from a target data source based on basic enterprise information; An evaluation information acquisition module is used to process credit evaluation data using a pre-trained credit evaluation model to obtain corporate credit evaluation information; The evaluation information push module is used to push enterprise evaluation information to enterprises and financial institutions.

[0013] In a third aspect, the technical solution of the present invention provides a terminal, including: A memory device for storing a financing management program for small and medium-sized enterprises; A processor is used to implement the steps of any one of the above-mentioned SME financing management methods when executing the SME financing management program.

[0014] In a fourth aspect, the technical solution of the present invention provides a computer-readable storage medium, on which a small and medium-sized enterprise financing management program is stored. When the small and medium-sized enterprise financing management program is executed by a processor, the steps of the small and medium-sized enterprise financing management method as described in any one of the above items are implemented.

[0015] The present invention provides a method, system, terminal and medium for financing management of small and medium-sized enterprises, which have the following beneficial effects compared with the prior art: first, extract financing demand information and basic enterprise information from the enterprise financing request, intelligently match suitable financing products according to the enterprise financing demand information, and push them to the enterprise, thereby improving the pertinence and applicability of financing products, reducing financing costs, and improving the success rate of financing. Secondly, monitor the financing progress and repayment status, and display the enterprise financing information at the front end to achieve real-time monitoring of financing and improve management efficiency. Finally, extract credit assessment data according to the basic information of the enterprise, and then use the credit assessment model to obtain enterprise assessment information, realize risk assessment of financing situation, improve the accuracy of risk assessment, and reduce the credit risk of financial institutions. BRIEF DESCRIPTION OF THE DRAWINGS In order to more clearly illustrate the embodiments of the present invention or the technical solutions of 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 invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0016] Figure 1 The present invention provides a flowchart of a financing management method for small and medium-sized enterprises.

[0017] Figure 2 The present invention provides a structural schematic diagram of a small and medium-sized enterprise financing management system.

[0018] Figure 3 It is a schematic diagram of the structure of a terminal provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0019] In order to enable those skilled in the art to better understand the scheme of the present invention, the present invention is further described in detail below in conjunction with the accompanying drawings and specific implementation methods. Obviously, the described embodiments are only part of the embodiments of the present invention, rather than all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of the present invention.

[0020] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art of the present invention. The terms used in the specification of the present invention herein are only for the purpose of describing specific embodiments and are not intended to limit the present invention.

[0021] Figure 1 This is a flow chart of a method for managing financing of small and medium-sized enterprises provided by an embodiment of the present invention. Figure 1 The execution subject may be a small and medium-sized enterprise financing management system. The small and medium-sized enterprise financing management method provided in the embodiment of the present invention is executed by a computer device, and accordingly, the small and medium-sized enterprise financing management system runs in the computer device. According to different requirements, the order of the steps in the flowchart can be changed, and some can be omitted.

[0022] like Figure 1 As shown, the method includes the following steps.

[0023] S1, receiving the enterprise financing request, and extracting the financing demand information and the enterprise basic information from the enterprise financing request.

[0024] In this embodiment, the enterprise registers on the platform and fills in detailed basic information and financing needs of the enterprise according to its own needs, and publishes the enterprise financing request on the platform. The platform receives and parses the enterprise financing request and obtains the basic information and financing needs of the enterprise contained in the request, which specifically includes the following steps.

[0025] S1.1, build a queue of enterprise financing requests.

[0026] S1.2, receiving an enterprise financing request, and adding the enterprise financing request to an enterprise financing request queue.

[0027] S1.3, periodically check whether the enterprise financing request queue is empty.

[0028] S1.4, if not, extract the earliest corporate financing request from the corporate financing request queue according to the first-in-first-out principle.

[0029] S1.5, extracting financing demand information and basic enterprise information from the earliest extracted enterprise financing request.

[0030] In this embodiment, the financing demand information includes the purpose of financing, the amount of financing, and the financing period. The basic information of the enterprise includes the enterprise name, unified social credit code, registered address, legal representative, contact information, enterprise type (such as limited liability company, joint stock company, etc.), industry, and business scope.

[0031] This embodiment constructs an enterprise financing request queue and periodically checks its status to achieve orderly and efficient processing of financing requests issued by enterprises, thereby avoiding chaotic accumulation of requests and ensuring that each request can be processed in a timely manner, thereby improving overall work efficiency. At the same time, requests are extracted from the enterprise financing request queue according to the first-in-first-out principle to ensure fairness.

[0032] S2, matches financing products for enterprises based on financing demand information and pushes them to enterprises.

[0033] S2.1, collect financing product information from financial institutions and enter it into the database.

[0034] Establish cooperative relationships with various financial institutions and collect their institutional information and financing product information, where the institutional information may include an introduction to the institution, business scope, qualification certificates, and financing product details. The collected financial institution information can be sorted and classified, and its financing product information can be entered into the corresponding database.

[0035] S2.2, analyze the financing demand information of the enterprise and extract the target demand parameters.

[0036] Read the financing demand information submitted by the enterprise, including the financing amount, financing period, and purpose, and extract the target demand parameters from it.

[0037] S2.3, according to the matching algorithm, the target demand parameters are matched and calculated with the information of each financing product in the database to obtain the matching score with each financing product.

[0038] S2.4, based on the matching scores, select several financing products with the highest scores as candidate financing products.

[0039] This embodiment preliminarily screens out financing products that meet the needs of the enterprise based on the matching scores.

[0040] S2.5, evaluate the quality of each potential financing product based on interest rate, amount and term.

[0041] After the initial screening of financing products, further analysis and comparison will be carried out to rate the quality of the selected financing products based on pre-established rules, such as interest rate, amount, and term.

[0042] S2.6, perform weighted summation of the matching score and the quality score to obtain the comprehensive score of each candidate financing product.

[0043] S2.7, based on the comprehensive score, select at least one financing product with the highest score as the target financing product and push it to the enterprise.

[0044] This embodiment recommends suitable financial products of financial institutions to enterprises based on the comprehensive score of matching score and quality score. Finally, the target financing products are pushed to enterprises, including the details of financial institutions and financing products, interest rates, quotas, terms, etc.

[0045] S3 receives online application requests for corporate financing, monitors financing progress and repayment status, and displays corporate financing information on the front end.

[0046] This embodiment implements one-stop service and tracking management, providing one-stop services such as online application, document review, and contract signing, simplifying the financing process and reducing the time and cost of the enterprise. It also tracks and manages the financing process and updates the financing progress and repayment status in a timely manner. Specifically, it includes the following steps.

[0047] S3.1, receive online application requests for corporate financing, review the online application requests, and feedback the review results to the enterprise.

[0048] S3.2. If the online application is approved, the audit materials provided by the enterprise will be received.

[0049] S3.3, after reviewing the audit materials, the audit results will be fed back to the enterprise.

[0050] S3.4: If the documents are approved, a contract signing request will be provided to the enterprise.

[0051] S3.5, receive feedback from enterprises on contract signing results.

[0052] S3.6, monitor the financing process from online application request to contract signing.

[0053] S3.7, in response to the successful signing of the contract, establish a repayment monitoring task for the current contract.

[0054] S3.8, start the established repayment monitoring task to monitor the repayment status.

[0055] S3.9, if the repayment is abnormal, the alarm information will be displayed on the front end.

[0056] This embodiment receives and reviews corporate financing applications online, shortens the time for paper document delivery and manual review in the traditional financing process, and improves the overall efficiency of financing processing. At the same time, after the information is reviewed and approved, the contract signing request is promptly fed back to the enterprise, and the contract signing result is received from the enterprise, which can speed up the contract signing process and provide timely support for corporate financing. In addition, the entire financing process from online application request to contract signing is monitored to promptly discover and solve potential problems. After the contract is successfully signed, a repayment monitoring task is established, and the monitoring task is started to monitor the repayment status in real time, reduce repayment risks, and protect the interests of the financing party. If an abnormal repayment occurs, the alarm information can be displayed in time at the front end, so that relevant personnel can respond quickly and take corresponding measures to improve the timeliness and effectiveness of risk response.

[0057] S4, obtaining credit assessment data from the target data source based on the basic information of the enterprise.

[0058] This embodiment collects enterprise data from multiple data sources, including the enterprise's business information, financial data, and operating conditions. The financial institution pre-registers with the target data source and performs identity verification when obtaining the target data to ensure data security, which specifically includes the following steps.

[0059] S4.1, sending an authentication request carrying identity information to the target data source.

[0060] S4.2, receiving the identity authentication result fed back by the target data source.

[0061] S4.3, if the identity authentication is passed, a data query request carrying the basic information of the enterprise is sent to the target data source.

[0062] S4.4, receiving credit assessment data fed back by the target data source.

[0063] In an optional implementation, a Python crawler library (such as Scrapy) or an API interface is used to collect enterprise data, formulate a data collection strategy, and determine the data source and data format to be collected.

[0064] In an optional implementation, the credit assessment data obtained includes the following data. Financial data: balance sheet (including various details of assets, liabilities and owner's equity), income statement (including operating income, costs, expenses, profits and other items), cash flow statement (including cash flow of operating activities, investment activities and financing activities), financial ratio calculation (including debt-paying ability indicators, operating ability indicators, profitability indicators). Operating data: sales data (including sales, sales volume, sales channels, etc.), market share (including market share in the industry), customer data (including number of customers, customer satisfaction, customer churn rate, etc.), supply chain data (including number of suppliers, procurement costs, delivery cycle, etc.). Industry data: industry development trends (including industry growth rate, market size, changes in market demand, etc.), industry competition landscape (including competitor analysis, market concentration, etc.), industry average credit level (including the distribution of credit ratings of companies in the same industry). Credit records: the company's bank credit records (including loan repayments, overdue records, credit line usage, etc.), commercial credit records (including accounts payable repayments, contract performance, etc.), and public credit records (including tax records, industrial and commercial records, judicial records, etc.).

[0065] S5, use the pre-trained credit assessment model to process the credit assessment data and obtain the enterprise credit assessment information.

[0066] This embodiment uses a machine learning algorithm to perform credit assessment based on the collected data to generate credit scores, credit ratings, risk assessments, etc. In an optional implementation, the pre-trained credit assessment model can be a logistic regression or a decision tree.

[0067] S5.1, preprocess the credit assessment data.

[0068] The collected data is cleaned, organized, converted, and feature engineered to ensure data quality and availability. Data cleaning includes processing missing values ​​by deletion and filling, identifying and processing outliers by statistical methods, and deleting duplicate records to ensure data uniqueness. Data feature engineering includes standardization, normalization, and logarithmic transformation operations, converting categorical variables into numerical form using One-Hot Encoding or Label Encoding, and selecting features that have a significant impact on credit assessment through correlation analysis. Finally, new features are constructed based on the original data, such as financial ratios and trend indicators.

[0069] S5.2, input the preprocessed credit assessment data into the trained credit assessment model to output the credit default prediction probability.

[0070] An optional implementation method uses logistic regression to predict the probability of credit default through linear combination features.

[0071] S5.3, determining a credit score based on a linear variation in the predicted probability of credit default.

[0072] This embodiment converts the output results of the credit assessment model into a credit score, including using a linear transformation to determine the range and value of the credit score.

[0073] S5.4, credit ratings are divided according to credit scores.

[0074] This embodiment divides enterprises into different credit levels according to the distribution of credit scores, and the equal division method can be used to determine the boundaries of the credit levels.

[0075] S6, pushes enterprise assessment information to enterprises and financial institutions.

[0076] After monitoring the progress of financing and the repayment status, this embodiment establishes a real-time monitoring task for corporate financing risks; starts the established real-time monitoring task for corporate financing risks, periodically obtains the latest credit assessment data from the target data source, and processes the latest credit assessment data according to the pre-trained credit assessment model to obtain the latest corporate credit assessment information; and issues an early warning for corporate financing risks based on the latest corporate credit assessment information. Through real-time monitoring of corporate financing risks, risk early warning is achieved and financing security is improved.

[0077] In an optional implementation, HTML5, CSS3, and JavaScript are used to build the user interface. Vue.js or React framework can be selected to improve development efficiency and user experience. Design page layout, including functional interfaces such as enterprise information display, credit assessment result display, and financing result display. Interact with the backend, and send data and receive responses through HTTP requests. The backend selects Python's Django or Flask framework as the backend development framework. Configure the server environment, such as installing a web server (such as Nginx) and an application server (such as Gunicorn). Implement data processing and business logic, including receiving front-end requests, processing data, interacting with the database, calling the credit assessment model, etc.

[0078] In an optional implementation, the basic information of the enterprise, credit assessment data, enterprise credit assessment score, and enterprise financing information are stored in a database. In an optional implementation, MySQL or PostgreSQL is selected as the database management system. The database table structure is designed, including the enterprise information table, credit assessment table, financing demand table, financial institution product table, etc. A database connection is established, and the back-end framework interacts with the database to realize data storage and query operations.

[0079] An embodiment of a method for managing financing of small and medium-sized enterprises is described in detail above. Based on the method for managing financing of small and medium-sized enterprises described in the above embodiment, an embodiment of the present invention further provides a management system for managing financing of small and medium-sized enterprises corresponding to the method.

[0080] Figure 2 1 is a schematic block diagram of the structure of a small and medium-sized enterprise financing management system provided by an embodiment of the present invention. In this embodiment, the small and medium-sized enterprise financing management system 200 can be divided into multiple functional modules according to the functions it performs. The module referred to in the present invention refers to a series of computer program segments that can be executed by at least one processor and can complete fixed functions, which are stored in a memory.

[0081] The financing request processing module 210 is used to receive a financing request from an enterprise and extract financing demand information and basic enterprise information from the financing request.

[0082] The financing product matching module 220 is used to match financing products for enterprises according to financing demand information and push them to the enterprises.

[0083] The financing information monitoring module 230 is used to receive online application requests for corporate financing, monitor financing progress and repayment status, and display corporate financing information on the front end.

[0084] The evaluation data acquisition module 240 is used to acquire credit evaluation data from a target data source according to basic information of the enterprise.

[0085] The evaluation information acquisition module 250 is used to process the credit evaluation data using a pre-trained credit evaluation model to obtain enterprise credit evaluation information.

[0086] The evaluation information push module 260 is used to push the enterprise evaluation information to enterprises and financial institutions.

[0087] The SME financing management system of this embodiment is used to implement the aforementioned SME financing management method. Therefore, the specific implementation method of the system can be seen in the implementation example part of the SME financing management method in the previous text. Therefore, its specific implementation method can refer to the description of the corresponding embodiments of each part and will not be introduced in detail here.

[0088] In addition, since the SME financing management system of this embodiment is used to implement the aforementioned SME financing management method, its function corresponds to that of the aforementioned method and will not be described in detail here.

[0089] Figure 3 A schematic diagram of the structure of a terminal 300 provided in an embodiment of the present invention includes: a processor 310, a memory 320 and a communication unit 330. The processor 310 is used to implement the following steps when implementing the SME financing management program stored in the memory 320: Receive enterprise financing requests, and extract financing demand information and enterprise basic information from the enterprise financing requests; Match financing products to enterprises based on their financing needs and push them to them; Receive online application requests for corporate financing, monitor financing progress and repayment status, and display corporate financing information on the front end; Obtain credit assessment data from the target data source based on the basic information of the enterprise; Use the pre-trained credit assessment model to process the credit assessment data and obtain the enterprise credit assessment information; Push enterprise assessment information to enterprises and financial institutions.

[0090] The present invention also provides a computer storage medium, wherein the storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM) or a random access memory (RAM).

[0091] The computer storage medium stores a small and medium-sized enterprise financing management program, and when the small and medium-sized enterprise financing management program is executed by a processor, the following steps are implemented: Receive enterprise financing requests, and extract financing demand information and enterprise basic information from the enterprise financing requests; Match financing products to enterprises based on their financing needs and push them to them; Receive online application requests for corporate financing, monitor financing progress and repayment status, and display corporate financing information on the front end; Obtain credit assessment data from the target data source based on the basic information of the enterprise; Use the pre-trained credit assessment model to process the credit assessment data and obtain the enterprise credit assessment information; Push enterprise assessment information to enterprises and financial institutions.

[0092] The above disclosure is only a preferred embodiment of the present invention, but the present invention is not limited thereto. Any non-creative changes that can be thought of by a person skilled in the art, as well as several improvements and modifications made without departing from the principle of the present invention, should fall within the protection scope of the present invention.

Claims

1. A method for financing management of small and medium-sized enterprises, characterized in that: The following steps are involved: Receive enterprise financing requests, and extract financing demand information and enterprise basic information from the enterprise financing requests; Match financing products to enterprises based on their financing needs and push them to them; Receive online application requests for corporate financing, monitor financing progress and repayment status, and display corporate financing information on the front end; Obtain credit assessment data from the target data source based on the basic information of the enterprise; Use the pre-trained credit assessment model to process the credit assessment data and obtain the enterprise credit assessment information; Push enterprise assessment information to enterprises and financial institutions.

2. The SME financing management method according to claim 1, characterized in that: Receive corporate financing requests and extract financing demand information and basic corporate information from the corporate financing requests, including: Build a queue of corporate financing requests; receiving a corporate financing request and adding the corporate financing request to a corporate financing request queue; Periodically check whether the enterprise financing request queue is empty; If not, extract the earliest corporate financing request from the corporate financing request queue according to the first-in-first-out principle; Financing demand information and basic enterprise information are extracted from the earliest extracted enterprise financing request.

3. The SME financing management method according to claim 2, characterized in that: Match financing products to enterprises based on their financing needs and push them to them, including: Collect information on financing products from financial institutions and enter it into the database; Analyze the financing demand information of enterprises to extract target demand parameters; According to the matching algorithm, the target demand parameters are matched with the information of each financing product in the database to obtain the matching score with each financing product; According to the matching scores, several financing products with the highest scores are selected as the financing products to be selected; Assess the quality of each selected financing product based on interest rate, quota and term; The weighted sum of the matching score and the quality score is taken to obtain the comprehensive score of each candidate financing product; Based on the comprehensive score, at least one financing product with the highest score is selected as the target financing product and pushed to the enterprise.

4. The method for financing management of small and medium-sized enterprises according to claim 3, characterized in that: Receive online application requests for corporate financing and monitor financing progress and repayment status, including: Receive online application requests for corporate financing, review the online application requests, and feedback the review results to the enterprise; If the online application is approved, the audit materials provided by the enterprise will be received; After reviewing the audit materials, the audit results will be fed back to the enterprise; If the materials are approved, a contract signing request will be sent back to the enterprise; Receive feedback from enterprises on contract signing results; Monitor the financing process from online application request to contract signing; In response to the successful signing of the contract, a repayment monitoring task for the current contract is established; Start the established repayment monitoring task to monitor the repayment status; If the repayment is abnormal, the alarm information will be displayed on the front end.

5. The method for financing management of small and medium-sized enterprises according to claim 4, characterized in that: Obtain credit assessment data from the target data source based on the basic information of the enterprise, including: Send an authentication request with identity information to the target data source; Receive the identity authentication result fed back by the target data source; If the identity authentication is passed, a data query request with basic enterprise information is sent to the target data source; Receive credit assessment data fed back by the target data source.

6. The method for financing management of small and medium-sized enterprises according to claim 5, characterized in that: Use the pre-trained credit assessment model to process the credit assessment data and obtain the enterprise credit assessment information, including: Preprocessing of credit assessment data; Input the preprocessed credit assessment data into the trained credit assessment model to output the credit default prediction probability; Determine the credit score based on the predicted probability of credit default based on a linear change; Credit ratings are divided into different levels based on credit scores.

7. The method for managing financing of small and medium-sized enterprises according to claim 6, characterized in that: After receiving the online application request for business financing and monitoring the financing progress and repayment status, the following steps are also included: Establish a real-time monitoring task for corporate financing risks; Start the established real-time monitoring task of corporate financing risks, periodically obtain the latest credit assessment data from the target data source, and process the latest credit assessment data according to the pre-trained credit assessment model to obtain the latest corporate credit assessment information; Provide early warning of corporate financing risks based on the latest corporate credit assessment information.

8. A financing management system for small and medium-sized enterprises, characterized in that: include: A financing request processing module is used to receive a financing request from an enterprise and extract financing demand information and basic enterprise information from the financing request; Financing product matching module, used to match financing products for enterprises based on financing demand information and push them to enterprises; Financing information monitoring module, used to receive online application requests for corporate financing, monitor financing progress and repayment status, and display corporate financing information on the front end; An evaluation data acquisition module is used to obtain credit evaluation data from a target data source based on basic enterprise information; An evaluation information acquisition module is used to process credit evaluation data using a pre-trained credit evaluation model to obtain corporate credit evaluation information; The evaluation information push module is used to push enterprise evaluation information to enterprises and financial institutions.

9. A terminal, characterized in that: include: A memory device for storing a financing management program for small and medium-sized enterprises; A processor, used to implement the steps of the SME financing management method as described in any one of claims 1 to 7 when executing the SME financing management program.

10. A computer-readable storage medium, characterized in that: The readable storage medium stores a SME financing management program, which, when executed by a processor, implements the steps of the SME financing management method according to any one of claims 1 to 7.

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