Intelligent financial management system and method based on enterprise-related data

Abstract

The invention relates to a smart financial management system based on enterprise-related data, and the system comprises an enterprise portrait construction module which is in information transmission connection with a credit approval and risk assessment module and a product recommendation and marketing module. The credit approval and risk assessment module and the product recommendation and marketing module are in information transmission connection with the first loan center module and the financial supermarket module, and the first loan center module and the financial supermarket module are in information transmission connection with the financing docking module. The whole system provided by the embodiment of the invention pushes enterprise financing demands in real time and efficiently docks financial services through system screening, intelligent analysis, online docking and the like, effectively reduces the enterprise financing cost and financing difficulty, can finance from financial institutions at any time based on high-quality accounts receivable of core enterprises for small, medium and micro enterprises holding electronic certificates, and improves the enterprise financing efficiency. And the whole system reduces the financing cost, and promotes the high-quality development of small, medium and micro-sized enterprises.

Description

Technical Field

[0001] The present application relates to the field of smart financial technology, and in particular to a smart financial management system and method based on enterprise-related data. Background Art

[0002] With the rapid development of information technology, enterprise-related data has shown an explosive growth trend. These data contain basic information, operating conditions, financial conditions, credit records and other information of enterprises, which are of great significance for financial institutions to evaluate corporate credit, formulate credit policies and optimize financial services. However, traditional financial management methods have problems such as low efficiency and poor accuracy when processing these data, which makes it difficult to meet the needs of financial institutions for intelligent and refined management. Therefore, we propose an intelligent financial management system and method based on enterprise-related data. Summary of the invention

[0003] This application provides an intelligent financial management system and method based on enterprise-related data to solve the above-mentioned problems.

[0004] This application provides a smart financial management system based on enterprise-related data, including:

[0005] An enterprise portrait construction module, the enterprise portrait construction module information transmission connects the credit approval and risk assessment module and the product recommendation and marketing module, and the credit approval and risk assessment module and the product recommendation and marketing module information transmission connects the first loan center module and the financial supermarket module, the first loan center module and the financial supermarket module information transmission connects the financing docking module, and the financing docking module information transmission connects the enterprise credit rating module, and the enterprise credit rating module information transmission connects the visualization analysis module.

[0006] Preferably, the enterprise portrait construction module includes the dimensions of the enterprise's basic information, operating capabilities, financial status and credit record.

[0007] Preferably, the credit approval and risk assessment module is based on the enterprise portrait construction module, and the credit approval and risk assessment module can automatically complete the credit approval and risk assessment process. The credit approval and risk assessment module structure includes a credit policy and a risk assessment model.

[0008] Preferably, the product recommendation and marketing module can intelligently recommend suitable financial products and services based on the enterprise portrait construction module.

[0009] Preferably, the financial supermarket module brings together all financial products of financial institutions.

[0010] Preferably, the financing docking module supports matching corresponding financial products to query conditions set by the enterprise, and the enterprise publishes financing needs, fills in the financing amount, financing term and credit enhancement method in the financing docking module.

[0011] Preferably, the enterprise credit rating module collects massive amounts of data, including data from industry and commerce, taxation, information technology, provident fund, social security, food and drug administration, justice, operation, feedback information, electricity, water affairs and third-party credit reporting agencies, to form a data mart.

[0012] Preferably, the visualization analysis module architecture integrates data analysis and display platforms. The visualization analysis module integrates existing data resources, combines big data analysis capabilities with business orchestration and display capabilities, and realizes comprehensive analysis and display of financial operation business data.

[0013] A smart financial management method based on enterprise-related data, including the following:

[0014] S1. Enterprise user registration;

[0015] S2. Enterprise loans;

[0016] S3. Enterprises choose loan products.

[0017] Preferably, the enterprise selects loan products including insurance products, guarantee products, fund product applications, emergency loan transfers and issuance of financing needs.

[0018] The above technical solution provided by the embodiment of the present application has the following advantages compared with the prior art:

[0019] The overall system provided in the embodiment of the present application pushes corporate financing needs in real time through system screening, intelligent analysis, online docking, etc., efficiently connects financial services, and effectively reduces corporate financing costs and financing difficulties. For small and medium-sized enterprises holding electronic certificates, they can obtain financing from financial institutions at any time based on the core enterprise's high-quality accounts receivable, effectively solving the problems of difficult and expensive financing at all levels. The overall system reduces financing costs and promotes high-quality development of small and medium-sized enterprises: the smart financial industry chain industrial Internet platform converts the bank liabilities of government platform companies and enterprises into financing for enterprises at all levels, reduces the bank debt ratio of leading enterprises, and quickly raises funds for upstream and downstream enterprises, providing sufficient financial guarantees for enterprises to upgrade technological transformation and quickly carry out business activities. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0021] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0022] Figure 1 This is a system diagram of the smart financial platform of the present invention;

[0023] Figure 2 This is a flow chart of the smart financial platform method of the present invention;

[0024] Figure 3 This is a flow chart of the method for registering enterprise users on the smart financial platform of the present invention;

[0025] Figure 4 It is a flow chart of the loan process method of the smart financial platform of the present invention;

[0026] Figure 5 This is a flow chart of the smart financial platform insurance product method of the present invention;

[0027] Figure 6 This is a flow chart of the method for applying for fund products on the smart financial platform of the present invention;

[0028] Figure 7 This is a flow chart of the smart financial platform guarantee product method of the present invention;

[0029] Figure 8 This is a flow chart of the emergency loan transfer method of the smart financial platform of the present invention;

[0030] Fig. 9 This is a flow chart of a method for publishing financing demands on the smart financial platform of the present invention. DETAILED DESCRIPTION

[0031] In order to make the purpose, technical solution and advantages of the embodiments of the present application clearer, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without making creative work are within the scope of protection of this application.

[0032] Various embodiments of the present application may exist in the form of a range. It should be understood that the description in the form of a range is only for convenience and simplicity and should not be understood as a hard limit to the scope of the present application; therefore, it should be considered that the range description has specifically disclosed all possible sub-ranges and single values ​​within the range. For example, it should be considered that the range description from 1 to 6 has specifically disclosed sub-ranges, such as from 1 to 3, from 1 to 4, from 1 to 5, from 2 to 4, from 2 to 6, from 3 to 6, etc., as well as single numbers within the range, such as 1, 2, 3, 4, 5 and 6, which are applicable regardless of the range. In addition, whenever a numerical range is indicated in the present application, it is meant to include any quoted numbers (fractions or integers) within the indicated range. Unless otherwise specified, various raw materials, reagents, instruments and equipment used in the present application, etc., can be purchased from the market or can be prepared by existing equipment.

[0033] In this application, unless otherwise specified, directional words such as "upper" and "lower" used refer specifically to the directions of the drawings in the accompanying drawings. In addition, in this application, the terms "include", "comprise", etc. mean "including but not limited to". In this application, relational terms such as "first" and "second" are merely used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. In this application, "and /

[0034] "Or" describes the association relationship of associated objects, indicating that there may be three types of relationships. For example, A and / or B can mean: A exists alone, A and B exist at the same time, and B exists alone. A and B can be singular or plural. In the present application, "at least one" means one or more, and "plurality" means two or more. "At least one", "at least one of the following" or similar expressions refer to any combination of these items, including any combination of single or plural items. For example, "at least one of a, b, or c", or "at least one of a, b, and c" can all mean: a, b, c, ab, i.e. a and b, ac, bc, or abc, where a, b, c can be single or plural, respectively.

[0035] like Figure 1 As shown: This embodiment of the application provides a smart financial management system based on enterprise-related data, including:

[0036] An enterprise portrait construction module, the enterprise portrait construction module information transmission connects the credit approval and risk assessment module and the product recommendation and marketing module, and the credit approval and risk assessment module and the product recommendation and marketing module information transmission connects the first loan center module and the financial supermarket module, the first loan center module and the financial supermarket module information transmission connects the financing docking module, and the financing docking module information transmission connects the enterprise credit rating module, and the enterprise credit rating module information transmission connects the visualization analysis module.

[0037] Specifically: First Loan Center Module Small and micro enterprises are an important part of market entities and an important force in stabilizing the economy and promoting development. For a long time, the difficulty of first loans has been plaguing the development of small, medium and micro enterprises. The establishment of an online "First Loan Center" is a key design to improve the financing mechanism of small, medium and micro enterprises, and provides an innovative way to solve the financing difficulties of small and micro enterprises. The First Loan Center provides enterprises with one-stop, full-process financial services through data sharing channels and working mechanisms. While improving the efficiency of first loan business processing, it also enhances the sense of acquisition of first loan services and builds a fast channel between financial institutions and enterprises.

[0038] The enterprise portrait construction module includes the dimensions of the enterprise's basic information, operating capabilities, financial status and credit record;

[0039] Specifically: The enterprise portrait construction module constructs an enterprise portrait by deeply mining and analyzing the integrated enterprise-related data. The enterprise portrait includes multiple dimensions such as the enterprise's basic information, operating capabilities, financial status, credit records, etc., providing data support for subsequent business processes such as credit approval and risk assessment.

[0040] The credit approval and risk assessment module is based on the enterprise portrait construction module. The credit approval and risk assessment module can automatically complete the credit approval and risk assessment process. The credit approval and risk assessment module structure includes a credit policy and a risk assessment model.

[0041] Specifically: The credit approval and risk assessment module is based on the corporate profile, and the system can automatically complete the credit approval and risk assessment process. The system conducts credit scoring and risk assessment on the enterprise based on the preset credit policy and risk assessment model, providing decision-making basis for financial institutions.

[0042] The product recommendation and marketing module can intelligently recommend suitable financial products and services based on the enterprise portrait construction module.

[0043] Specifically: The product recommendation and marketing module can also intelligently recommend suitable financial products and services based on the company's profile information. At the same time, the system can also push personalized marketing information to companies through social media, email and other channels to improve the coverage and satisfaction of financial services.

[0044] The financial supermarket module brings together all financial products of financial institutions.

[0045] Specifically: Financial Supermarket mainly collects all financial products of financial institutions, helps enterprises quickly understand financial products, and selects relevant products to apply for according to their own needs, and actually provides enterprises with rich financial products and comprehensive financial services, thereby strengthening customers' dependence and trust on the platform and making customers more closely connected with the platform. For enterprises, they will have more financial products to choose from, which will greatly reduce the overall cost and save a lot of time in finding products and services.

[0046] The financing docking module supports matching corresponding financial products to the query conditions set by the enterprise. The enterprise publishes its financing needs, fills in the financing amount, financing period and credit enhancement method in the financing docking module.

[0047] Specifically: The financing matching module platform supports matching corresponding financial products to the query conditions set by the enterprise; the enterprise publishes its financing needs, fills in the financing amount, financing period, credit enhancement method, etc., and the system pushes this financing demand to the financial institution for matching.

[0048] The enterprise credit rating module collects massive amounts of data, including data from industry and commerce, taxation, industry and information technology, provident fund, social security, food and drug supervision, justice, operation, feedback information, electricity, water affairs and third-party credit reporting agencies, to form a data mart.

[0049] Specifically: the enterprise credit rating module collects massive data, including industrial and commercial, tax, information technology, housing provident fund, social security, food and drug supervision, judicial, operation, feedback information, electricity, water, third-party credit agencies and other enterprise-related data, forming a data mart, focusing on sorting out enterprises with operations, sales, taxes, and settlements, and eliminating invalid households, zombie enterprises and other enterprises that do not meet the credit conditions. Relying on the evaluation model of the credit reporting company, the data mart is used to conduct a "pre-loan portrait" of enterprises with credit needs, forming a basic judgment on the quality of enterprise operations, providing effective evidence reference for bank credit, promoting the reduction of credit access thresholds, reducing mortgage guarantee requirements, and simplifying the credit approval process.

[0050] The visualization analysis module architecture integrates data analysis and display platforms. The visualization analysis module integrates existing data resources, combines big data analysis capabilities with business orchestration and display capabilities, and realizes comprehensive analysis and display of financial operation business data.

[0051] Specifically: The visualization analysis module makes full use of information technologies such as cloud computing and big data to build a converged data analysis and display platform, integrate existing data resources, combine big data analysis capabilities with business orchestration and display capabilities, and achieve comprehensive analysis and display of financial operation business data, providing effective support for leadership decision-making.

[0052] A smart financial management method based on enterprise-related data, including the following:

[0053] S1. Enterprise user registration;

[0054] S2. Enterprise loans;

[0055] S3. Enterprises choose loan products.

[0056] The loan products selected by the enterprises include insurance products, guarantee products, fund product applications, emergency loan transfers and the release of financing needs.

[0057] Specifically, the steps for enterprise user registration are as follows: enterprise users register or log in to their accounts; then enter the enterprise information in the personal center; then fill in basic information, upload the business license, fill in the legal person information and submit; then the data reviewer reviews whether it is passed. If it is not passed, it will be fed back to the enterprise user. If it is passed, the enterprise user will enter the data information in the personal center, complete the data information, and then conduct authentication. If the enterprise user passes the authentication, he can apply for a loan normally. Otherwise, he cannot apply for a loan. Figure 3 shown.

[0058] The loan process for corporate loans is:

[0059] The platform releases products, and the released products are reviewed by product reviewers. If they do not pass the review, they will be rejected. After passing the review, the products are put on the shelves. After the products are put on the shelves, users can see the products at the front desk, and then users can apply for loans. After that, the product acceptor determines whether due diligence has been conducted. If so, due diligence will be conducted, and the product acceptor determines whether the due diligence has passed. If it has passed, it will be divided into loan release and installment loan release. After that, the user will be settled and the loan will be released. If the due diligence fails or cannot be conducted, the user's loan will be rejected. Figure 4 shown.

[0060] The process of applying for fund products is as follows:

[0061] The fund product publisher publishes the fund product. After the product is released, users can view it on the platform. Users can apply for the fund product, and then the financial product operator will decide whether the application is approved. After approval, the fund product acceptor will determine whether the project is approved. After the project is approved, the fund product acceptor will determine whether the project is approved. After the project is approved, the fund product acceptor will conduct offline due diligence, and the risk control committee and investment committee will make judgments. After the agreement is signed, the loan will be disbursed in installments or disbursed. If any of the application, project establishment, due diligence, risk control committee and investment committee is not approved, the application will be rejected. Figure 6 shown.

[0062] The process of applying for insurance products is as follows:

[0063] The insurance product publisher publishes the insurance product. After that, the financial product operator determines whether the user's insurance product application is approved. If approved, the insurance acceptor determines whether to provide insurance. If either the application or the insurance is not approved, the application is rejected. Figure 5 shown.

[0064] The application process for a guaranteed product is as follows:

[0065] The guarantee product publisher publishes the guarantee product, and then the user applies for the guarantee product. The financial product operation and maintenance member determines whether the application is approved. After approval, the guarantee product acceptor determines whether due diligence is conducted. If due diligence is possible, offline due diligence is conducted. The guarantee product acceptor determines whether the due diligence is passed. After passing, installment loans or loans are made. Users can postpone repayment after the repayment is overdue. If one of the application and due diligence is not passed, it will be rejected. Figure 7 shown.

[0066] The process of applying for emergency loan transfer is as follows:

[0067] The user applies for an emergency loan transfer, and the financial product operation and maintenance member determines whether the application is approved. After approval, the emergency loan transfer acceptor determines whether due diligence is conducted and conducts offline due diligence. After due diligence is passed, the emergency loan transfer acceptor determines whether to release the loan. After approval, offline loan release is conducted, and then the user repays. After the user is overdue, the loan is extended and then repaid. If any one of the application, loan release and due diligence is not passed, it will be rejected. Figure 8 shown.

[0068] The process for issuing a financing demand application is as follows:

[0069] Enterprise users publish their needs in the personal center, "My Release", fill in the financing demand information to be published, and the market members will determine whether the application is approved. After approval, the product acceptor will determine whether due diligence is conducted. After approval, offline due diligence will be conducted. The product acceptor will determine whether the due diligence is passed. After passing, installment loans or loans will be issued. After that, the user will repay the loan. If either the application or the due diligence fails, it will be rejected. Fig. 9 shown.

[0070] The above is only a specific implementation of the present application, so that those skilled in the art can understand or implement the present application. It will be apparent to those skilled in the art that various modifications to these embodiments are possible, and the general principles defined in the present application can be implemented in other embodiments without departing from the spirit or scope of the present application. Therefore, the present application will not be limited to these embodiments shown in the present application, but will conform to the widest scope consistent with the principles and novel features applied for by the present application.

Claims

1. A smart financial management system based on enterprise-related data, characterized in that: include: An enterprise portrait construction module, the enterprise portrait construction module information transmission connects the credit approval and risk assessment module and the product recommendation and marketing module, and the credit approval and risk assessment module and the product recommendation and marketing module information transmission connects the first loan center module and the financial supermarket module, the first loan center module and the financial supermarket module information transmission connects the financing docking module, and the financing docking module information transmission connects the enterprise credit rating module, and the enterprise credit rating module information transmission connects the visualization analysis module.

2. According to claim 1, a smart financial management system based on enterprise-related data is characterized by: The enterprise portrait construction module includes the dimensions of the enterprise's basic information, operating capabilities, financial status and credit record.

3. The intelligent financial management system based on enterprise-related data according to claim 1 is characterized by: The credit approval and risk assessment module is based on the enterprise portrait construction module. The credit approval and risk assessment module can automatically complete the credit approval and risk assessment process. The credit approval and risk assessment module structure includes a credit policy and a risk assessment model.

4. The intelligent financial management system based on enterprise-related data according to claim 1 is characterized by: The product recommendation and marketing module can intelligently recommend suitable financial products and services based on the enterprise portrait construction module.

5. The intelligent financial management system based on enterprise-related data according to claim 1 is characterized by: The financial supermarket module brings together all financial products of financial institutions.

6. The intelligent financial management system based on enterprise-related data according to claim 1 is characterized by: The financing docking module supports matching corresponding financial products to the query conditions set by the enterprise. The enterprise publishes its financing needs, fills in the financing amount, financing period and credit enhancement method in the financing docking module.

7. The intelligent financial management system based on enterprise-related data according to claim 1 is characterized by: The enterprise credit rating module collects massive amounts of data, including data from industry and commerce, taxation, industry and information technology, provident fund, social security, food and drug supervision, justice, operation, feedback information, electricity, water affairs and third-party credit reporting agencies, to form a data mart.

8. The intelligent financial management system based on enterprise-related data according to claim 1 is characterized by: The visualization analysis module architecture integrates data analysis and display platforms. The visualization analysis module integrates existing data resources, combines big data analysis capabilities with business orchestration and display capabilities, and realizes comprehensive analysis and display of financial operation business data.

9. A smart financial management method based on enterprise-related data, characterized by: These include: S1. Enterprise user registration; S2. Enterprise loans; S3. Enterprises choose loan products.

10. The intelligent financial management method based on enterprise-related data according to claim 9 is characterized in that: The loan products selected by the enterprises include insurance products, guarantee products, fund product applications, emergency loan transfers and the release of financing needs.

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