A cargo pledge financing system and management method based on cargo pledge business

Abstract

The present application relates to a cargo pledge financing system based on cargo pledge business, including: an enterprise management module, the enterprise management module is connected to the cargo pledge management module through data transmission, the cargo pledge management module is connected to the risk management module through data transmission, and the risk management module is connected to the historical data management module through data transmission. The overall system provided by the embodiment of the present application guarantees the benefits of multiple parties: the platform alleviates the dilemma of tight working capital of small and medium-sized enterprises by providing them with flexible financing services, while effectively ensuring the safety of banks' lending. This model not only reduces the risks of guarantee companies, but also provides third-party logistics companies with more opportunities to expand services, such as the expansion of warehousing functions and the increase of supply of goods, thereby improving the overall benefits. Through multi-party collaboration, the platform creates a win-win situation for all participants and promotes the win-win development of small and medium-sized enterprises and the financial, warehousing, and guarantee industries.

Description

Technical Field

[0001] The present application relates to the technical field of credit certificate management, and in particular to a cargo pledge financing system and management method based on cargo pledge business. Background Art

[0002] In the current financial market and logistics industry, in order to ease the financial pressure, enterprises often apply for loans from financial institutions by using goods as collateral. However, the traditional cargo pledge financing method has many shortcomings, such as irregular collateral management, cumbersome financing process, weak risk control ability, etc. These problems not only affect the financing efficiency, but also increase the financing risk. It is necessary to develop a more efficient and secure cargo pledge financing system and management method, a cargo pledge financing system and management method based on cargo pledge business. Summary of the invention

[0003] The present application provides a cargo pledge financing system and management method based on cargo pledge business to solve the above-mentioned problems.

[0004] The present application provides a cargo pledge financing system based on cargo pledge business, including:

[0005] An enterprise management module, wherein the enterprise management module is connected to a cargo pledge management module via data transmission, wherein the cargo pledge management module is connected to a risk management module via data transmission, and wherein the risk management module is connected to a historical data management module via data transmission.

[0006] Preferably, the enterprise management module is responsible for collecting basic information of the enterprise and related contract documents.

[0007] Preferably, the cargo pledge management module conducts cargo pledge financing business online through the system, realizes the submission and review of financing applications, the generation and signing of tripartite agreements and warehouse entry and exit orders, and repayment business operations.

[0008] Preferably, the risk management module establishes a process for processing repayment reminders, confirmation of repayments, and overdue payments.

[0009] Preferably, the historical data management module records and traces historical data such as financing information, cargo lists, agreements, insurance / guarantee information, warehouse entry orders, transaction orders, warehouse exit orders, collateral, warehouses, etc.

[0010] A method for managing cargo pledge financing based on cargo pledge business comprises the following steps:

[0011] S1. The financier applies for financing and enters the details of the goods. The lender then reviews the financing application. If the lender agrees, the warehouse party fills in the warehouse information. If the lender disagrees, the process returns to the step of the financier applying for financing and entering the details of the goods.

[0012] S2. After the storage party fills in the storage information, the lender produces a tripartite agreement. If the financier agrees with the agreement, the financier signs it. Otherwise, if the financier disagrees, the process returns to the storage party to fill in the storage information.

[0013] S3. The financier signs and agrees, and then signs and seals the warehouse. If the financier refuses to sign, the process returns to the lender to produce the tripartite agreement.

[0014] S4. If the warehouse signs and seals, the lender will sign and seal if the warehouse agrees. If the warehouse refuses to sign, the lender will return to the step of producing the tripartite agreement.

[0015] S5. If the lender signs and agrees, it will be determined whether there are guarantee measures. If it refuses to sign, it will return to the lender to produce a tripartite agreement step;

[0016] S6. Determine whether there are guarantee measures. If yes, the insurance and guarantee institutions upload the insurance policy and guarantee letter. If no, the financier generates a storage entry form and signs it. If the financier agrees, the storage party pledges the storage and signs it. If the financier refuses to sign, the process ends.

[0017] S7. The storage party pledges the goods for storage and signs. If the storage party refuses to sign, the transaction ends. If the storage party agrees, the lender confirms the storage order and signs. The lender confirms the storage order and signs. If the storage party refuses to sign, the transaction ends. If the storage party agrees, the lender releases the money and fills in the transaction order.

[0018] S8. Finally, make a circular repayment and determine whether the repayment is completed. If yes, the repayment is completed. If not, return to the circular repayment step until the repayment is completed.

[0019] Preferably, 7. the revolving repayment further comprises the following steps:

[0020] S81. The financier repays the loan and applies for delivery of the goods, and determines whether there are any guarantee measures. If so, the insurance and guarantee institutions will review the delivery application. If not, the lender will confirm the repayment, release the mortgage, and generate a delivery order with signature and seal;

[0021] S82. The insurance and guarantee institutions review the application for picking up the goods. If they agree, the lender will confirm the repayment, release the mortgage and generate the delivery order with signature and seal. If they disagree, the financier will repay the loan and apply for picking up the goods.

[0022] S83. The lender confirms repayment, releases the pledge and generates a delivery note with signature. If the lender agrees, the warehouse party releases the pledge and signs. If the lender disagrees, the process returns to the step where the financier repays and applies for delivery.

[0023] S84. The warehousing party releases the goods from the warehouse and signs. If the warehousing party agrees, the financier confirms the delivery note and signs. If the financier refuses to sign, the process returns to the financier's repayment and application for pick-up. The financier confirms the delivery note and signs. If the financier agrees, the process ends. If the financier refuses to sign, the process returns to the financier's repayment and application for pick-up.

[0024] The above technical solution provided by the embodiment of the present application has the following advantages compared with the prior art:

[0025] The overall system provided by the embodiment of the present application guarantees the benefits of multiple parties: the platform alleviates the predicament of tight working capital for small and medium-sized enterprises by providing them with flexible financing services, while effectively ensuring the safety of bank lending. This model not only reduces the risk of guarantee companies, but also provides third-party logistics companies with more opportunities to expand their services, such as the expansion of warehousing functions and the increase of supply, thereby improving the overall benefits. Through multi-party collaboration, the platform creates a win-win situation for all participants and promotes the win-win development of small and medium-sized enterprises and the financial, warehousing, and guarantee industries.

[0026] Improve transaction transparency and efficiency: Through the information sharing platform and collaboration mechanism, the platform facilitates the flow of information between all parties involved and promotes closer cooperation. This mechanism effectively reduces the problem of information asymmetry and breaks down the barriers in traditional transactions.

[0027] Protecting data security: In the context of the current digital transformation, data security and privacy protection have become key issues that cannot be ignored in corporate operations. The platform uses advanced technologies such as data encryption and desensitization to comprehensively address challenges such as data leakage risks, privacy protection, and data integrity. At the same time, the platform also ensures compliance with various laws and regulations, further improving data processing efficiency.

[0028] Improve the quality of financial services: Through the effective integration of technology and data, the platform provides enterprises with more convenient and efficient financial solutions. Platform-based financing services can simplify the operation process and speed up the approval process, thus bringing better user experience to enterprises. This convenience not only reduces the time cost of enterprises waiting for financing, but also helps them seize more market opportunities. By improving service efficiency, the platform has significantly enhanced customer satisfaction and helped to increase enterprises' reliance on and trust in the financial platform. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] 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.

[0030] 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.

[0031] Figure 1 is a system diagram of the present invention;

[0032] Figure 2 is a flow chart of the method of the present invention;

[0033] Figure 3 It is a flow chart of the overall steps of the present invention;

[0034] Figure 4 It is a flow chart of the revolving repayment steps of the present invention. DETAILED DESCRIPTION

[0035] 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.

[0036] 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.

[0037] In the present application, in the absence of any contrary description, the directional words used, such as "upper" and "lower", are specifically the directions of the drawings in the accompanying drawings. In addition, in the present application, the terms "include", "comprise", etc. refer to "including but not limited to". In the present application, relational terms such as "first" and "second" are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. In the present application, "and / or" describes the association relationship of the associated objects, indicating that three relationships may exist, for example, A and / or B, which can represent: A exists alone, A and B exist at the same time, and B exists alone. Wherein A, B can be singular or plural. In the present application, "at least one" refers to one or more, and "plural" refers to 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 singular items or plural items. For example, "at least one of a, b, or c" or "at least one of a, b and c" can both mean: a, b, c, ab, i.e. a and b, ac, bc or abc, where a, b, c can be single or plural, respectively.

[0038] like Figure 1-4 As shown: This embodiment of the application provides a cargo pledge financing system based on cargo pledge business, including:

[0039] An enterprise management module, wherein the enterprise management module is connected to a cargo pledge management module via data transmission, wherein the cargo pledge management module is connected to a risk management module via data transmission, and wherein the risk management module is connected to a historical data management module via data transmission.

[0040] Specifically: Enterprise management module: responsible for collecting basic information of enterprises and related contract documents, etc. Users can flexibly customize document templates according to their own business needs. Provide lenders with the functions of associating storage institutions, insurance / guarantee institutions and storage party warehouse management functions to speed up the approval process and improve approval efficiency.

[0041] Cargo pledge management module: Cargo pledge financing business is carried out online through the platform to realize the submission and review of financing applications, the generation and signing of tripartite agreements and warehouse entry and exit orders, repayment and other business operations.

[0042] Risk management module: By establishing repayment reminders, repayment confirmation, and processing procedures for overdue payments, it is possible to proactively track financing progress and take timely measures to address potential overdue risks.

[0043] Historical data management module: By recording and tracing historical data such as financing information, cargo lists, agreements, insurance / guarantee information, warehouse entry orders, transaction orders, warehouse exit orders, pledges, warehouses, etc., it helps to improve the operating efficiency of the platform and provide support for data analysis.

[0044] The enterprise management module is responsible for collecting basic information of the enterprise and related contract documents.

[0045] The cargo pledge management module conducts cargo pledge financing business online through the system, realizes the submission and review of financing applications, the generation and signing of tripartite agreements and warehouse entry and exit orders, and repayment business operations.

[0046] The risk management module establishes a process for processing repayment reminders, repayment confirmation, and overdue non-repayments.

[0047] The historical data management module records and traces historical data such as financing information, cargo lists, agreements, insurance / guarantee information, warehouse entry orders, transaction orders, warehouse exit orders, pledges, warehouses, etc.

[0048] A method for managing cargo pledge financing based on cargo pledge business comprises the following steps:

[0049] S1. The financier applies for financing and enters the details of the goods. The lender then reviews the financing application. If the lender agrees, the warehouse party fills in the warehouse information. If the lender disagrees, the process returns to the step of the financier applying for financing and entering the details of the goods.

[0050] S2. After the storage party fills in the storage information, the lender produces a tripartite agreement. If the financier agrees with the agreement, the financier signs it. Otherwise, if the financier disagrees, the process returns to the storage party to fill in the storage information.

[0051] S3. The financier signs and agrees, and then signs and seals the warehouse. If the financier refuses to sign, the process returns to the lender to produce the tripartite agreement.

[0052] S4. If the warehouse signs and seals, the lender will sign and seal if the warehouse agrees. If the warehouse refuses to sign, the lender will return to the step of producing the tripartite agreement.

[0053] S5. If the lender signs and agrees, it will be determined whether there are guarantee measures. If it refuses to sign, it will return to the lender to produce a tripartite agreement step;

[0054] S6. Determine whether there are guarantee measures. If yes, the insurance and guarantee institutions upload the insurance policy and guarantee letter. If no, the financier generates a storage entry form and signs it. If the financier agrees, the storage party pledges the storage and signs it. If the financier refuses to sign, the process ends.

[0055] S7. The storage party pledges the goods for storage and signs. If the storage party refuses to sign, the transaction ends. If the storage party agrees, the lender confirms the storage order and signs. The lender confirms the storage order and signs. If the storage party refuses to sign, the transaction ends. If the storage party agrees, the lender releases the money and fills in the transaction order.

[0056] S8. Finally, make a circular repayment and determine whether the repayment is completed. If yes, the repayment is completed. If not, return to the circular repayment step until the repayment is completed.

[0057] The recurring repayment also includes the following steps:

[0058] S81. The financier repays the loan and applies for delivery of the goods, and determines whether there are any guarantee measures. If so, the insurance and guarantee institutions will review the delivery application. If not, the lender will confirm the repayment, release the mortgage, and generate a delivery order with signature and seal;

[0059] S82. The insurance and guarantee institutions review the application for picking up the goods. If they agree, the lender will confirm the repayment, release the mortgage and generate the delivery order with signature and seal. If they disagree, the financier will repay the loan and apply for picking up the goods.

[0060] S83. The lender confirms repayment, releases the pledge and generates a delivery note with signature. If the lender agrees, the warehouse party releases the pledge and signs. If the lender disagrees, the process returns to the step where the financier repays and applies for delivery.

[0061] S84. The warehousing party releases the goods from the warehouse and signs. If the warehousing party agrees, the financier confirms the delivery note and signs. If the financier refuses to sign, the process returns to the financier's repayment and application for pick-up. The financier confirms the delivery note and signs. If the financier agrees, the process ends. If the financier refuses to sign, the process returns to the financier's repayment and application for pick-up.

[0062] System initialization: Initialize the system according to business needs, including system parameter configuration, external interface address and parameter configuration, system permission configuration, etc.

[0063] Enterprise management module: Through data collection and input functions, it collects basic information of enterprises and supports the storage and management of relevant contract documents. Users can flexibly customize a variety of document templates according to their own business needs. Secondly, the module integrates the association functions between lenders and storage institutions, insurance and guarantee institutions, and warehouses to ensure real-time sharing and coordination of information. Through these measures, it provides enterprises with more efficient and convenient management solutions.

[0064] Cargo pledge management module: First, the financier applies for financing and enters the details of the goods, and the lender reviews the financing application. After the review is completed, the storage information can be filled in, and the lender generates a three-party agreement. The financier, the warehousing party, and the lender electronically sign the three-party agreement in turn. After the signing is completed, if the lender chooses the insurance / guarantee agency to participate, the insurance / guarantee agency uploads the insurance policy / guarantee letter, and the financier generates a warehouse entry order. The financier, the warehousing party, and the lender electronically sign the warehouse entry order in turn. After the warehouse entry order is signed, the lender fills in the transaction order to make the loan. After the loan is made, the financier can make one or more repayment and delivery applications. If there are guarantee measures, the insurance / guarantee agency will review the delivery application. Otherwise, the lender will directly confirm the repayment, release the pledge, generate the delivery order, and electronically sign the delivery order in the order of the lender, the warehousing party, and the financier. After the financier repays and the goods are picked up, the cargo pledge financing application business process ends. Cargo pledge financing helps financiers convert their goods into liquid funds, improves the efficiency of the company's capital utilization, and solves the loan problems of difficult guarantees and mortgages for small and medium-sized enterprises. At the same time, it optimizes the bank's resource allocation, reduces transaction costs between enterprises and supply chain partners, accelerates cash flow, and improves operational efficiency.

[0065] Risk management module: In risk management, the management of repayment reminders, repayments, and overdue payments is implemented through an automated system. The system first sets a repayment reminder based on the due date of the account. Three days before the due date of the cargo collateral financing, the business process information is automatically displayed in the repayment reminder list. After the lender confirms the normal repayment, the business process is displayed in the repaid information list. The business process where the repayment date has arrived but the financier has not repaid the loan is displayed in the overdue unpaid information list.

[0066] Historical data management module: The historical data management module automatically archives and classifies these historical files, including financing information, cargo lists, agreements, insurance / guarantee information, warehouse entry orders, transaction orders, warehouse exit orders, pledges, warehouses, etc., and uses related parties, financing numbers, etc. for retrieval and indexing, making it easy for users to find them quickly.

[0067] 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 cargo pledge financing system based on cargo pledge business, characterized in that: include: An enterprise management module, wherein the enterprise management module is connected to a cargo pledge management module via data transmission, wherein the cargo pledge management module is connected to a risk management module via data transmission, and wherein the risk management module is connected to a historical data management module via data transmission.

2. A cargo pledge financing system based on cargo pledge business according to claim 1, characterized in that: The enterprise management module is responsible for collecting basic information of the enterprise and related contract documents.

3. A cargo pledge financing system based on cargo pledge business according to claim 1, characterized in that: The cargo pledge management module conducts cargo pledge financing business online through the system, realizes the submission and review of financing applications, the generation and signing of tripartite agreements and warehouse entry and exit orders, and repayment business operations.

4. A cargo pledge financing system based on cargo pledge business according to claim 1, characterized in that: The risk management module establishes a process for processing repayment reminders, repayment confirmation, and overdue non-repayments.

5. A cargo pledge financing system based on cargo pledge business according to claim 1, characterized in that: The historical data management module records and traces historical data such as financing information, cargo lists, agreements, insurance / guarantee information, warehouse entry orders, transaction orders, warehouse exit orders, pledges, warehouses, etc.

6. A management method for cargo pledge financing based on cargo pledge business, characterized in that: The steps include: S1. The financier applies for financing and enters the details of the goods. The lender then reviews the financing application. If the lender agrees, the warehouse party fills in the warehouse information. If the lender disagrees, the process returns to the step of the financier applying for financing and entering the details of the goods. S2. After the storage party fills in the storage information, the lender produces a tripartite agreement. If the financier agrees with the agreement, the financier signs it. Otherwise, if the financier disagrees, the process returns to the storage party to fill in the storage information. S3. The financier signs and agrees, and then signs and seals the warehouse. If the financier refuses to sign, the process returns to the lender to produce the tripartite agreement. S4. If the warehouse signs and seals, the lender will sign and seal if the warehouse agrees. If the warehouse refuses to sign, the lender will return to the step of producing the tripartite agreement. S5. If the lender signs and agrees, it will be determined whether there are guarantee measures. If it refuses to sign, it will return to the lender to produce a tripartite agreement step; S6. Determine whether there are guarantee measures. If yes, the insurance and guarantee institutions upload the insurance policy and guarantee letter. If no, the financier generates a storage entry form and signs it. If the financier agrees, the storage party pledges the storage and signs it. If the financier refuses to sign, the process ends. S7. The warehouse party pledges the warehouse and signs. If the warehouse party refuses to sign, the transaction ends. If the warehouse party agrees, the lender confirms the warehouse entry form and signs. The lender confirms the warehouse entry form and signs it. If the lender refuses to sign, the process ends. If the lender agrees, the lender will issue the loan and fill in the transaction form. S8. Finally, make a circular repayment and determine whether the repayment is completed. If yes, the repayment is completed. If not, return to the circular repayment step until the repayment is completed.

7. A method for managing cargo pledge financing based on cargo pledge business according to claim 6, characterized in that: The recurring repayment also includes the following steps: S81. The financier repays the loan and applies for delivery of the goods, and determines whether there are any guarantee measures. If so, the insurance and guarantee institutions will review the delivery application. If not, the lender will confirm the repayment, release the mortgage, and generate a delivery order with signature and seal; S82. The insurance and guarantee institutions review the application for picking up the goods. If they agree, the lender will confirm the repayment, release the mortgage and generate the delivery order with signature and seal. If they disagree, the financier will repay the money and apply for picking up the goods. S83. The lender confirms repayment, releases the pledge and generates a delivery note with signature. If the lender agrees, the warehouse party releases the pledge and signs. If the lender disagrees, the process returns to the step where the financier repays and applies for delivery. S84. The warehousing party releases the goods from the warehouse and signs. If the warehousing party agrees, the financier confirms the delivery note and signs. If the financier refuses to sign, the process returns to the financier's repayment and application for pick-up. The financier confirms the delivery note and signs. If the financier agrees, the process ends. If the financier refuses to sign, the process returns to the financier's repayment and application for pick-up.

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