Method for quickly transferring loan funds

Abstract

The invention discloses a loan fund rapid circulation method. The loan fund rapid circulation method comprises the following steps: S100, collecting loan enterprise operation information; s200, the money using enterprise puts forward a money using request to the financial institution; s300, the financial institution accepts the operation information of the money using enterprise, and evaluates the money using enterprise based on the operation information to obtain an evaluation result; s400, the financial institution confirms a loan use condition according to the money use request of the money use enterprise and the evaluation result, if the money use enterprise accepts the loan use condition, the step S500 is executed, and if the money use enterprise does not accept the loan use condition, the step S800 is executed; s500, the money using enterprise opens a special repayment account for receiving operation repayment; s600, presetting an operation money return processing method; s700, processing the operation return money according to the processing method; and S800, ending the process. The fund circulation efficiency can be improved, the bank risk is reduced, and commercial prosperity is promoted.

Description

Technical Field

[0001] The present invention relates to the field of digital currency technology, and in particular to a method for rapid circulation of loan funds. Background Art

[0002] With the rise of supply chain finance, the complexity of supply chains continues to increase. Enterprises need to handle a large number of orders, purchases, inventory and other links in the supply chain, which requires a large amount of funds to operate. However, due to banks' concerns about the collection of funds, supply chain enterprises are facing difficulties in funding. Summary of the invention

[0003] The present invention aims to provide a method for rapid circulation of loan funds, improve the efficiency of fund circulation, reduce bank risks and promote commercial prosperity.

[0004] To achieve the above object, the present invention is implemented by adopting the following technical solutions:

[0005] The present invention discloses a method for rapid circulation of loan funds, comprising the following steps:

[0006] S100. Collect business information of the enterprise using funds;

[0007] S200. The enterprise using funds submits a request for funds to the financial institution;

[0008] S300, the financial institution receives the operating information of the loan-using enterprise, evaluates the loan-using enterprise based on the operating information, and obtains the evaluation result;

[0009] S400: The financial institution confirms the loan usage conditions based on the loan application request and evaluation results of the loan-using enterprise.

[0010] If the borrowing enterprise accepts the loan usage conditions, step S500 is executed.

[0011] If the loan-using enterprise does not accept the loan use conditions, step S800 is executed;

[0012] S500, the enterprise using the funds opens a special repayment account to receive operating funds;

[0013] S600, preset operating payment disposal method;

[0014] S700. Dispose of operating proceeds according to the disposal method;

[0015] S800: The process ends.

[0016] Preferably, the business operation information in S100 includes financial system, actual controller, actual controller's shareholding ratio, registered capital, enterprise scale, business address, number of employees, number of people participating in social insurance, total assets, and operating income.

[0017] Preferably, the request for use of funds in S200 includes a payment receiving enterprise.

[0018] Preferably, the loan usage conditions in S400 include the loan total amount and the loan interest rate.

[0019] Preferably, the loan use conditions in S400 include the repayment date and the method for handling overdue repayments.

[0020] Methods for dealing with overdue repayments include changing the loan repayment method.

[0021] Preferably, step S700 includes step S710, if the entire loan is not repaid before the repayment date, executing the overdue repayment disposal method.

[0022] Preferably, the disposal method in step S600 includes the total repayment amount, the proportion of each income used for repayment, and when repaying, it is prioritized to determine whether the IOU is settled, and if it is settled, it is skipped, and all unsettled IOUs are found, and the earliest financed IOUs are repaid first, and the earliest financed IOUs are repaid first.

[0023] Preferably, digital currency is used for fund circulation in steps S400 to S700.

[0024] Preferably, the evaluation method in step S300 is specifically as follows: the weight of upstream enterprise cooperation information is 25%, the weight of enterprise customer information is 25%, the weight of enterprise credit is 30%, the weight of financing order information is 10%, and the weight of cooperation with financial institutions is 10%. The weighted average of the above conditions is calculated; if the weighted average is greater than 80 points, the application amount is used as the base; when the weighted average is 70-79 points, the application amount * 90% is used as the base; when the weighted average is 50-69 points, the application amount * 80% is used as the base; when the weighted average is less than 50 points, the application amount * 60% is used as the base, and the evaluation result is obtained.

[0025] Beneficial effects of the present invention:

[0026] The present invention can improve the efficiency of capital circulation, reduce bank risks under the same enterprise background conditions, and promote commercial prosperity. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] Figure 1 This is a flowchart of the actual usage scenario one;

[0028] Figure 2 The following is a flowchart of the actual usage scenario 2. DETAILED DESCRIPTION

[0029] In order to make the purpose, technical solutions and advantages of the present invention more clearly understood, the present invention is further described in detail below in conjunction with the accompanying drawings.

[0030] The present invention comprises the following steps:

[0031] S100. Collect business information of the enterprise using funds;

[0032] S200. The enterprise using funds submits a request for funds to the financial institution;

[0033] S300, the financial institution receives the operating information of the loan-using enterprise, evaluates the loan-using enterprise based on the operating information, and obtains the evaluation result;

[0034] S400: The financial institution confirms the loan usage conditions based on the loan application request and evaluation results of the loan-using enterprise.

[0035] If the borrowing enterprise accepts the loan usage conditions, step S500 is executed.

[0036] If the loan-using enterprise does not accept the loan use conditions, step S800 is executed;

[0037] S500, the enterprise using the funds opens a special repayment account to receive operating funds;

[0038] S600, preset operating payment disposal method;

[0039] S700. Dispose of operating proceeds according to the disposal method;

[0040] S800: The process ends.

[0041] Preferably, the business operation information in S100 includes financial system, actual controller, actual controller's shareholding ratio, registered capital, enterprise scale, business address, number of employees, number of people participating in social insurance, total assets, and operating income.

[0042] Preferably, the request for use of funds in S200 includes a payment receiving enterprise.

[0043] Preferably, the loan usage conditions in S400 include the loan total amount and the loan interest rate.

[0044] Preferably, the loan use conditions in S400 include the repayment date and the method for handling overdue repayments.

[0045] Methods for dealing with overdue repayments include changing the loan repayment method.

[0046] Preferably, step S700 includes step S710, if the entire loan is not repaid before the repayment date, executing the overdue repayment disposal method.

[0047] Preferably, the disposal method in step S600 includes the total repayment amount, the proportion of each income used for repayment, and when repaying, it is prioritized to determine whether the IOU is settled, and if it is settled, it is skipped, and all unsettled IOUs are found, and the earliest financed IOUs are repaid first, and the earliest financed IOUs are repaid first.

[0048] Preferably, digital currency is used for fund circulation in steps S400 to S700.

[0049] Preferably, the evaluation method in step S300 is specifically as follows: the weight of upstream enterprise cooperation information is 25%, the weight of enterprise customer information is 25%, the weight of enterprise credit is 30%, the weight of financing order information is 10%, and the weight of cooperation with financial institutions is 10%. The weighted average of the above conditions is calculated; if the weighted average is greater than 80 points, the application amount is used as the base; when the weighted average is 70-79 points, the application amount * 90% is used as the base; when the weighted average is 50-69 points, the application amount * 80% is used as the base; when the weighted average is less than 50 points, the application amount * 60% is used as the base, and the evaluation result is obtained.

[0050] In simple terms, the process of using this method is:

[0051] 1. The enterprise borrows money from the bank to finance the purchase of goods.

[0052] 2. Financial institutions review whether the company's financial system is sound and query the company's historical digital currency transaction amount to evaluate the company's repayment ability. During the evaluation, the financial data and historical transaction amount will be scored and weighted. The higher the score, the stronger the repayment ability.

[0053] 3. Financial institutions establish the credit status of the enterprise through examination and determine conditions such as loan amount and interest rate.

[0054] 4. Financial institutions sign digital currency transaction contracts with enterprises to prevent enterprises from transferring payment methods to other users after financing is completed.

[0055] 5. If the enterprise fails to repay all the funds by the repayment date, the financing will be transferred to ordinary financing and repaid in equal installments of principal and interest or equal installments of principal.

[0056] 6. Enterprises open digital RMB wallets for goods sales and payment collection, and load smart contracts under platform supervision, including contract templates, total repayment amount, and percentage repayment. Contract trigger conditions and automatic triggering.

[0057] 7. When the funds from the sale of goods arrive, the smart contract is automatically triggered, and the funds are transferred to the corresponding repayment digital currency wallet of the financial institution according to the proportion of the funds received, and the repaid amount is recorded. When the total amount is equal to the total repayment amount of the contract, the contract ends.

[0058] like Figure 1 Actual usage scenario 1:

[0059] 1. Distributors obtain financing from banks to purchase oil products from the oil wholesale enterprises of PetroChina and Sinopec.

[0060] 2. The purchased oil products are sold through dealer channels. After the oil products are sold, the set percentage amount will be automatically transferred to the repayment account through the smart contract to complete the financing repayment.

[0061] like Figure 2 Actual usage scenario 2:

[0062] 1. The highway department obtains financing from banks for the construction of highways.

[0063] 2. Open a designated digital RMB wallet for receiving payments before the highway is put into operation.

[0064] 3. The highway digital RMB wallet loads the smart contract.

[0065] 4. When the user pays the highway fee, the digital currency wallet receives the corresponding funds, triggering the smart contract. According to the ratio set in the contract, part of the funds will be automatically transferred to the bank's corresponding repayment digital RMB wallet, and the amount repaid will be recorded.

[0066] 5. When the total repayment amount is equal to the agreed repayment amount, the highway toll paid by the user no longer triggers the smart contract and the contract terminates.

[0067] Actual use scenario three:

[0068] 1. The gas company obtains financing from the bank to pay the advance payment for natural gas purchase.

[0069] 2. The gas company opens a designated digital RMB wallet for receiving payments.

[0070] 3. The gas company’s digital RMB wallet loads the smart contract.

[0071] 4. When the user pays the gas bill, the digital currency wallet receives the corresponding funds, triggering the smart contract. According to the ratio set in the contract, part of the funds will be automatically transferred to the bank's corresponding repayment digital RMB wallet, and the amount repaid will be recorded.

[0072] 5. When the total repayment amount is equal to the agreed repayment amount, the gas fee paid by the user no longer triggers the smart contract, and the contract terminates.

[0073] Actual use scenario four:

[0074] 1. A gymnasium or sports park obtains financing from a bank to build facilities such as a ball hall or swimming pool.

[0075] 2. When the venue is completed, open a designated digital RMB wallet for receiving payments.

[0076] 3. The stadium’s digital RMB wallet loads the smart contract.

[0077] 4. When a user makes a single payment for playing ball / swimming or applies for a card to pay, the digital RMB wallet receives funds and triggers the smart contract. It automatically transfers part of the funds to the bank's corresponding repayment digital RMB wallet according to the ratio set in the contract, and records the amount repaid.

[0078] 5. When the total repayment amount is equal to the agreed repayment amount, the fees paid by the user will no longer trigger the smart contract, and the contract will terminate.

[0079] Of course, the present invention may have many other embodiments. Without departing from the spirit and essence of the present invention, technicians familiar with the field may make various corresponding changes and deformations based on the present invention, but these corresponding changes and deformations should all fall within the scope of protection of the claims attached to the present invention.

Claims

1. A method for rapid circulation of loan funds, characterized in that The following steps are involved: S100. Collect business information of the enterprise using funds; S200. The enterprise using funds submits a request for funds to the financial institution; S300, the financial institution receives the operating information of the loan-using enterprise, evaluates the loan-using enterprise based on the operating information, and obtains the evaluation result; S400: The financial institution confirms the loan usage conditions based on the loan application request and evaluation results of the loan-using enterprise. If the borrowing enterprise accepts the loan usage conditions, step S500 is executed. If the loan-using enterprise does not accept the loan use conditions, step S800 is executed; S500, the enterprise using the funds opens a special repayment account to receive operating funds; S600, preset operating payment disposal method; S700. Dispose of operating proceeds according to the disposal method; S800: The process ends.

2. The method for rapid circulation of loan funds according to claim 1, characterized in that: The business operation information of enterprises in S100 includes financial system, actual controller, actual controller's shareholding ratio, registered capital, enterprise scale, business address, number of employees, number of people participating in social security, total assets, and operating income.

3. The method for rapid circulation of loan funds according to claim 1, characterized in that: The request for payment in S200 includes the payment receiving company.

4. The method for rapid circulation of loan funds according to claim 1, characterized in that: The loan usage conditions in S400 include the loan amount and loan interest rate.

5. The method for rapid circulation of loan funds according to claim 4, characterized in that: The loan usage conditions in S400 include the repayment date and the method of handling overdue repayments. Methods for dealing with overdue repayments include changing the loan repayment method.

6. The method for rapid circulation of loan funds according to claim 5, characterized in that: Step S700 includes step S710: if the entire loan is not repaid before the repayment date, the overdue repayment disposal method is executed.

7. The method for rapid circulation of loan funds according to claim 1, characterized in that: The processing method in step S600 includes the total repayment amount and the proportion of each income used for repayment. When repaying, it is prioritized to determine whether the IOU is settled. If it is settled, it will be skipped. All unsettled IOUs will be found, and the earliest financed IOU will be repaid first. The earliest financed IOU will be repaid first.

8. The method for rapid circulation of loan funds according to claim 1, characterized in that: In steps S400 to S700, digital currency is used for fund circulation.

9. The method for rapid circulation of loan funds according to claim 1, characterized in that: The evaluation method in step S300 is specifically as follows: the weight of upstream enterprise cooperation information is 25%, the weight of enterprise customer information is 25%, the weight of enterprise credit is 30%, the weight of financing order information is 10%, and the weight of cooperation with financial institutions is 10%. The weighted average of the above conditions is calculated; if the weighted average is greater than 80 points, the application amount is used as the base; when the weighted average is 70-79 points, the application amount * 90% is used as the base; when the weighted average is 50-69 points, the application amount * 80% is used as the base; when the weighted average is less than 50 points, the application amount * 60% is used as the base, and the evaluation result is obtained.

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