Financing method and system for container leasing industry

Abstract

The invention relates to a financing method and system for a container leasing industry, and the method comprises the steps: creating a table structure in a data table according to the needs of a financing business, and the table structure comprises bank information and a financing project information business table; creating and maintaining bank information according to the financing related bank information obtained by each channel; creating and maintaining financing project information according to the maintained bank information and the financing project information collected by offline communication with the bank; and according to the maintained financing project information, carrying out financing project post-loan management, and further, summarizing and counting financing project data to carry out financing data analysis. According to the financing method and system for the container leasing industry, financing data and business operation are online, development of new financing business of a container leasing enterprise is promoted, and the automation level and management efficiency of the financing business of the enterprise are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of container management and information construction, and in particular to a financing method and system for the container leasing industry. Background Art

[0002] In recent years, the global container leasing market has developed greatly. Faced with an increasingly competitive market environment, if container leasing companies want to occupy a certain share in the global container market, they need to invest a lot of money to vigorously develop their own strength. Therefore, they can consider financing to achieve the need to rapidly expand the scale of transportation capacity. Common financing methods include bank loans. Companies make the best and most feasible financing decisions by comprehensively considering financing needs and bank financing costs. The current financing business is mainly carried out offline manually, and there are the following problems:

[0003] 1) Offline data storage may cause data loss or inaccuracy, resulting in the data not being able to maximize its value and hindering the development of new businesses;

[0004] 2) Offline business operations are cumbersome, resulting in inefficient financing project management;

[0005] 3) Failure to mine large amounts of data and unable to perform data visualization analysis. Summary of the invention

[0006] In order to solve the technical problems of cumbersome business and ineffective application of stored data in the existing financing operation process, the present invention provides a financing method and system for the container leasing industry, which realizes online financing project management, post-loan management of financing projects and financing data analysis based on financing-related bank information and financing project information obtained through multiple channels and methods, and helps container leasing companies improve the automation level and management efficiency of financing business.

[0007] The present invention proposes the following technical solutions:

[0008] A financing method for container leasing industry, comprising the following steps:

[0009] S1. Steps for creating the underlying table structure: Create table structures in the data center according to the financing business needs, including bank information and financing project information business tables;

[0010] S2. Bank information maintenance step: Create and maintain bank information based on the financing-related bank information obtained from various channels;

[0011] S3, financing project information maintenance step: based on the bank information maintained in step S2 and the financing project information collected through offline communication with the bank, create and maintain the financing project information;

[0012] S4, post-loan management and data analysis steps of financing: According to the financing project information maintained in step S3, post-loan management of the financing project is carried out, and further, the financing project data is summarized and counted for financing data analysis.

[0013] Preferably, the main method of obtaining the bank information in step S2 is: obtaining the required public data information of the bank through online query on the official website or other data platforms, and visiting the bank offline to obtain detailed data information such as bank contacts and financing products.

[0014] Preferably, the bank information in step S2 mainly includes: basic bank information, confidentiality agreement information, contact information, bank visit information, and financing project information. Each bank corresponds to multiple confidentiality agreement information, contact information, bank visit information, and financing product information, which are associated through the unique identification of the bank number.

[0015] Preferably, in the step S2, the bank information is displayed in a list, and conditions can be entered to query the bank information, and further, the bank information details can be viewed, edited, and newly added.

[0016] Preferably, the financing project information in step S3 mainly includes: basic financing information, financing project details, financing financial requirements, financing compliance requirements, financing mortgage asset information, and financing contract information.

[0017] Preferably, in the step S3, the financing project information is displayed in a list, and conditions can be entered to query the financing project information, and further, the financing project details can be viewed, edited, and the financing project information can be added.

[0018] Preferably, the post-loan management of the financing project in step S4 includes: financing repayment plan, compliance management, and financial agreement management.

[0019] Preferably, the financing data analysis in step S4 includes: financing amount data statistics, financing repayment data statistics, and bank rankings.

[0020] A financing system for the container leasing industry includes the following modules:

[0021] The bank information management module is used to maintain and query financing-related bank information, including bank information lists and bank information details.

[0022] The financing project information management module is used to maintain and query financing project information, including financing project lists and financing project details.

[0023] The financing project post-loan management module is used for post-loan management and follow-up of financing projects, including the repayment plan for the current month, details of the financing project repayment plan, compliance management, and financial agreement management.

[0024] The financing data analysis module is used to summarize and compile financing data to form a financing data dashboard for financing data analysis, including financing data statistics, financing repayment statistics, and the top ten bank rankings.

[0025] Since the present invention adopts the above technical scheme, it has the following beneficial effects: The present invention provides a financing method and system related to the container leasing industry, which makes offline bank information and financing project information data online, maximizes the value of information data, and promotes the development of new container financing business. The financing system for the container leasing industry proposed by the present invention transfers offline business operations to the online system, improves the automation level of the financing business, and improves the management efficiency of the financing business. The financing system for the container leasing industry proposed by the present invention summarizes and counts financing data to form a visual data dashboard, which intuitively reflects the current status of the financing business, and helps enterprise managers quickly and clearly find problems through data-driven suggestions, which is conducive to the development of the financing business. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] Figure 1 It is a flow chart of the financing method of the container leasing industry of the present invention.

[0027] Figure 2 It is an architecture diagram of a financing system for the container leasing industry of the present invention.

[0028] Figure 3 It is a screenshot of the data dashboard interface of the financing system for the container leasing industry of the present invention. DETAILED DESCRIPTION

[0029] The scheme of the present invention is described in detail below through embodiments in conjunction with the accompanying drawings.

[0030] Embodiment 1

[0031] This embodiment proposes a financing method for the container leasing industry, such as Figure 1 As shown, the following steps are included:

[0032] S1. Steps for creating the underlying table structure: Create a table structure in the data center according to the financing business needs, including bank information and container financing project information business tables;

[0033] S2. Bank information maintenance step: Create and maintain bank information based on the financing-related bank information obtained from various channels;

[0034] Specifically, the required public data information of the bank is obtained through online inquiries on the official website of the bank or other data platforms, and detailed data information such as bank contacts and financing products are obtained through offline visits. Bank information related to container business is filtered out through keywords, and bank information is created based on the collected information. The created bank information is displayed in a list form. Further, bank information query, detail view, editing, and adding operations are performed.

[0035] The bank information list displays all entered bank information, sorted in descending order by bank name, and displays key fields, including: bank name, bank status, and the total financing amount of all financing projects associated with the bank, and all financing product types. Among them, the bank status is divided into valid and invalid. Valid means that the bank has associated financing projects, and invalid means that the bank has no associated financing projects.

[0036] The bank information details are divided into summary information, basic information, financing project information, bank visit information, and confidentiality agreement information. The summary information includes the total financing amount and the total remaining repayment amount of all financing projects associated with the bank. The total remaining repayment amount = total financing amount - the amount repaid; the basic information includes the bank's basic information and bank contact information. For contacts, you can add, edit, and delete; the financing project information associates financing projects with bank names, and displays the corresponding financing projects in a list. Click the financing project name to jump to view the financing project details; the bank visit information displays the visit records of the bank in descending order of meeting time, which can be added, edited, deleted, and related attachments can be uploaded; the confidentiality agreement information displays the confidentiality agreement information of the bank in descending order of start date.

[0037] S3, financing project information maintenance step: based on the bank information maintained in step S2 and the financing project information collected through offline communication with the bank, create and maintain the financing project information;

[0038] Specifically, based on the maintained bank information, offline communication with the bank is conducted on the financing project, and financing project information is created based on the collected information. The created financing project information is displayed in a list format, and further operations such as financing project information query, detail viewing, editing, and adding are performed.

[0039] The financing project information list displays all entered financing project information, sorted in descending order by financing project name, and displays key fields, including: borrower, financing project name, financing amount, remaining repayment amount, term, remaining term, etc. Among them, the financing project status is divided into valid and invalid. Valid means that the financing project has started and has not expired, and invalid means that the financing project has not started or has expired.

[0040] The details of the financing project information are divided into basic financing information, financing project details, financing financial requirements, financing compliance requirements, financing mortgage asset information, and financing contract information. Among them, the basic financing information part includes borrower and bank information, and bank information is summarized and displayed according to bank type and bank name. Among them, one financing project can correspond to multiple banks, and one bank can correspond to multiple bank types. Bank types include lead bank, other banks, lead equity party, and other equity parties. There can only be one bank for the lead bank and lead equity party, and there can be multiple banks for others; the financing project details part mainly includes the financing project amount, product type, project start and end date, project term, as well as interest rate, other fees, etc. Among them, the main product types are divided into secured and unsecured, and the detailed product types include secured term loans, unsecured term loans, trade revolving loans, unsecured revolving loans, etc.; the financing financial requirements section maintains the financial requirements of the financing project, including the type of financial agreement, borrower, company, etc.; the financing compliance requirements section maintains the compliance materials that the financing project needs to submit to the bank regularly, including the submission date and submission content; the financing mortgage asset information section displays the mortgage asset data for financing products whose main product type is secured; the financing contract information section maintains the contract information of the financing project, including the contract type, external contract number, contract approval date, contract signing date and related attachments.

[0041] S4, post-loan management and data analysis steps of financing: According to the financing project information maintained in step S3, post-loan management of the financing project is carried out, and further, the financing project data is summarized and counted for financing data analysis.

[0042] Specifically, according to the maintained financing project information, post-loan management and tracking of financing projects are carried out, including the monthly repayment plan, financing project repayment plan, compliance management, and financial agreements. Among them, the monthly repayment plan section displays detailed repayment information for the week of the current date, including repayment date, financing project name, and repayment amount details. Among them, the financing project repayment plan is calculated by the enterprise SAP (financial system). The same financing project will correspond to multiple SAP contract numbers. The relationship between the financing project and the SAP contract is maintained by the business personnel in the financing project details; the financing project repayment plan section displays the repayment information of all financing projects in the SAP contract number dimension; the compliance management section displays the compliance material data of financing projects that are valid and have materials to be submitted, and only displays the data for the current month and future months of the year; the financial agreement section displays all financial agreement data, including the type of financial requirements for financing projects, the specific value of financial requirements, etc.

[0043] Specifically, a visual data dashboard is formed based on the maintained financing project data to conduct financing data analysis, including financing data, repayment data, and the ranking of the top ten banks in terms of financing quota or outstanding repayment amount.

[0044] Embodiment 2

[0045] Based on the same inventive concept, this embodiment proposes a financing system for the container leasing industry. The financing system for the container leasing industry corresponds to the financing method for the container leasing industry of the present invention, and can be understood as a system for implementing the financing method for the container leasing industry. The system is essentially a backend or a server. The architecture diagram of the system is as follows: Figure 2 As shown, it includes the following modules:

[0046] The bank information management module is used to maintain and query financing-related bank information, including bank information lists and bank information details.

[0047] The financing project information management module is used to maintain and query financing project information, including financing project lists and financing project details.

[0048] The financing project post-loan management module is used for post-loan management and follow-up of financing projects, including the repayment plan for the current month, details of the financing project repayment plan, compliance management, and financial agreement management.

[0049] Financing data analysis module, used to summarize and count financing data to form a financing data dashboard for financing data analysis, including financing data statistics, financing repayment statistics, and the top ten bank rankings, such as Figure 3 shown.

[0050] It should be noted that the above-described specific implementations can enable those skilled in the art to more fully understand the invention, but do not limit the invention in any way. Therefore, although this specification has described the invention in detail with reference to the drawings and embodiments, those skilled in the art should understand that the invention can still be modified or replaced by equivalents. In short, all technical solutions and improvements that do not deviate from the spirit and scope of the invention should be included in the protection scope of the patent for the invention.

Claims

1. A financing method for the container leasing industry, characterized in that: The following steps are involved: S1. Steps for creating the underlying table structure: Create a table structure in the data center according to the financing business needs, including bank information and container financing project information business tables; S2. Bank information maintenance step: Obtain bank financing information from various channels, and filter out bank information related to container business financing through keywords to create and maintain bank information; the bank information includes: bank name, bank status, and the total financing amount of all financing projects associated with the bank, and all financing product types; the bank status is divided into valid and invalid, valid means that the bank has associated financing projects, and invalid means that the bank has no associated financing projects; S3, financing project information maintenance step: based on the bank information maintained in step S2 and the container-related financing project information collected through offline communication with the bank, the financing project information is created and maintained; the key fields of the financing project information include: borrower, financing project name, financing amount, remaining repayment amount, term, and remaining term; S4, post-loan management and data analysis steps of financing: According to the financing project information maintained in step S3, post-loan management of the financing project is carried out, and further, the financing project data is summarized and counted for financing data analysis.

2. The financing method for container leasing industry according to claim 1, characterized in that: The main methods of obtaining the bank information in step S2 are: obtaining the required public data information of the bank through online inquiries on the official website or other data platforms, visiting the bank offline to obtain bank contacts and detailed data information of financing products, and entering the public data information of the bank into the platform, and filtering the information related to the corresponding container business on the platform.

3. The financing method for container leasing industry according to claim 1, characterized in that: The bank information in step S2 mainly includes: basic bank information, confidentiality agreement information, contact information, bank visit information, and financing project information. The financing project information includes what type of container business the financing project may be related to, that is, the corresponding container business can be retrieved on the search platform through the financing project information. The type of financing project information of the bank that can handle the corresponding container business; each bank corresponds to at least one confidentiality agreement information, contact information, bank visit information, and financing product information, which are associated through the unique identification of the bank number.

4. The financing method for container leasing industry according to claim 1, characterized in that: In the step S2, the bank information is displayed in a list, and conditions can be entered to query the bank information, and further, the bank information details can be viewed, edited, and new bank information can be added; a financing project corresponds to at least one bank, and one bank can correspond to different bank types; there can only be one bank for the lead bank and the lead equity party.

5. The financing method for container leasing industry according to claim 1, characterized in that: The financing project information in step S3 also includes: basic financing information, financing project details, financing financial requirements, financing compliance requirements, financing mortgage asset information, and financing contract information.

6. The financing method for container leasing industry according to claim 1, characterized in that: In the step S3, the financing project information is displayed in a list, and conditions can be entered to query the financing project information, and further, the financing project details can be viewed, edited, and the financing project information can be added.

7. The financing method for container leasing industry according to claim 1, characterized in that: The post-loan management of the financing project in step S4 includes: financing repayment plan, compliance management, and financial agreement management.

8. The financing method for container leasing industry according to claim 1, characterized in that: The financing data analysis in step S4 includes: financing amount data statistics, financing repayment data statistics, and bank rankings.

9. A financing system for the container leasing industry, characterized in that: include: Bank information management module, used for maintaining and querying financing-related bank information, including bank information list and bank information details; Financing project information management module, used to maintain and query container financing project information, including financing project list and financing project details; The financing project post-loan management module is used for post-loan management and follow-up of container financing projects, including the monthly repayment plan, financing project repayment plan details, compliance management, and financial agreement management; The financing data analysis module is used to summarize and compile container financing data to form a financing data dashboard for financing data analysis, including financing data statistics, financing repayment statistics, and the top ten bank rankings.

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