Power industry account receivable pledge financing dynamic monitoring system and method

Abstract

The invention discloses a power industry receivable pledge financing dynamic monitoring system and method, and the method comprises the steps: data collection and standardization processing: building a power industry receivable database, the method comprises the following steps: collecting contract data, invoice information, an account receivable period structure, debtor electricity consumption data and an industry policy file of a power enterprise; the account information is subjected to distributed evidence storage through a block chain technology, a non-tampering data chain including a timestamp and an electronic signature is generated, and trade background authenticity verification is realized. According to the method, quick right confirmation is realized through the set block chain evidence storage, key information such as power purchase and sale contracts, invoices and power consumption data is stored in nodes of banks, power grid companies and credit investigation mechanisms in a distributed manner by adopting an alliance chain technology, right confirmation is automatically completed through hash value comparison, the right confirmation period is shortened to 2 hours from 7 days traditionally, and the right confirmation efficiency is greatly improved. The non-tampering characteristic of the block chain evidence storage can verify the authenticity of the cross-border power trade background, and the problem of multi-level right confirmation of the account receivable of the government project is solved.

Description

Technical Field

[0001] The present invention relates to the technical field of pledge financing in the power industry, and specifically relates to a dynamic monitoring system and method for accounts receivable pledge financing in the power industry. Background Art

[0003] In the traditional accounts receivable pledge financing business in the power industry, the following technical defects exist:

[0004] Accounts receivable in the power industry involve complex scenarios such as government projects and cross-border transactions. Traditional manual review relies on paper contract signature confirmation, and core enterprises (such as power grid companies) are reluctant to cooperate with confirmation due to cumbersome processes or confidentiality requirements; Therefore, it is urgent to design a dynamic monitoring system and method for accounts receivable pledge financing in the power industry to solve the above problems. Summary of the Invention

[0005] The purpose of the present invention is to provide a dynamic monitoring system and method for accounts receivable pledge financing in the power industry to solve the above deficiencies in the prior art.

[0006] To achieve the above purpose, the present invention provides the following technical solutions:

[0007] A dynamic monitoring method for accounts receivable pledge financing in the power industry, comprising the following steps:

[0008] S1 Data collection and standardization processing: Establish an accounts receivable database for the power industry, collect contract data, invoice information, accounts receivable maturity structure, debtor electricity consumption data and industry policy documents of power enterprises; Through blockchain technology, perform distributed deposit of accounts information, generate an immutable data chain containing time stamps and electronic signatures, and realize the verification of the authenticity of the trade background;

[0009] S2 Dynamic risk assessment and early warning: Construct a five-dimensional risk assessment model, including: debtor credit rating, accounts maturity structure, trade background authenticity, historical repayment records, legal text completeness; Through machine learning algorithms, perform real-time analysis on dynamic data such as debtor electricity consumption fluctuations and changes in industry subsidy policies, generate risk early warning signals, and push them to banks and guarantee institutions;

[0010] S3 Dynamic adjustment mechanism of the pledge rate:

[0011] According to the risk assessment results and the characteristics of accounts receivable in the power industry, dynamically calculate the pledge rate, and the initial pledge rate is 50%-80%;

[0012] When it is monitored that the accounts receivable repayment is delayed, the debtor credit rating is downgraded or there is industry policy risk, automatically trigger a pledge rate reduction order, and require supplementary pledge assets or early repayment;

[0013] S4 Intelligent monitoring of the repayment account:

[0014] Set up a dedicated repayment account, connect to the power trading settlement system through the enterprise revenue and expenditure big data platform, and capture the repayment records of accounts receivable in real time;

[0015] Adopt smart contract technology, embed account locking clauses in the invoice remarks column and purchase and sales contracts. If the repayment path deviates from the agreed account, automatically freeze the financing quota and initiate legal recovery procedures;

[0016] S5 Risk Disposal and Asset Preservation:

[0017] When the accounts receivable are overdue for more than the grace period, initiate the asset pool replacement mechanism to replace non-performing assets with spare high-quality accounts receivable;

[0018] Generate an electronic evidence package with one key through the judicial blockchain platform, including deposit contracts, repayment statements, and risk assessment records, to support rapid litigation filing.

[0019] Preferably, in the blockchain deposit steps, an alliance chain architecture is adopted, the nodes include banks, power trading centers, and third-party credit investigation agencies, and the deposit content includes contract hash values, invoice images, and account maturity dates.

[0020] Preferably, in the risk assessment model, the debtor credit rating is further associated with the State Grid supplier white list, renewable energy subsidy payment records, and electricity consumption enterprise carbon emission data.

[0021] Preferably, power industry specific parameters are introduced into the dynamic adjustment mechanism of the pledge rate, including:

[0022] The pledge rate for government project accounts receivable is increased by 5%-10%;

[0023] Accounts involving cross-border power trade need to be attached with exchange rate fluctuation hedging clauses.

[0024] Preferably, in the monitoring steps of the repayment account, the "payment account" field of power industry specific invoices is identified through OCR technology and automatically compared with the agreed account, and an alarm is triggered when the deviation exceeds 24 hours.

[0025] Preferably, a separate account regulatory account is set up, sub-accounts are divided according to power project types, and different pledge rates and risk reserve extraction ratios are respectively matched.

[0026] Preferably, a third-party guarantee institution is introduced in the risk disposal stage to make an advance compensation of 70% of the principal and interest not recovered for non-performing accounts receivable, and at the same time obtain the preferential right of recourse for the corresponding electricity charge income right.

[0027] Preferably, real-time access to power trading platform data is achieved through the API interface to obtain the frozen status of the purchaser's performance bond as an additional indicator for evaluating the probability of account receivable recovery.

[0028] Preferably, an accounts receivable asset pool for the power industry is established, allowing enterprises to package and pledge scattered accounts. The assets in the pool can be dynamically replaced, and the minimum pledged balance needs to cover 120% of the loan principal and interest.

[0029] In addition, a dynamic monitoring system for accounts receivable pledge financing in the power industry is also provided, which is implemented by using the above-mentioned dynamic monitoring method.

[0030] In the above technical solution, a dynamic monitoring system and method for accounts receivable pledge financing in the power industry provided by the present invention realizes rapid confirmation of rights through blockchain evidence storage. By adopting the consortium blockchain technology, key information such as power purchase and sale contracts, invoices, and electricity consumption data is distributed and stored in nodes of banks, power grid companies, and credit investigation institutions. The confirmation of rights is automatically completed through hash value comparison, shortening the traditional 7-day confirmation cycle to 2 hours. The tamper-proof feature of blockchain evidence storage can verify the authenticity of the cross-border power trade background and solve the problem of multi-level confirmation of rights for accounts receivable in government projects. Brief Description of the Drawings

[0031] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the prior art, the following will briefly introduce the drawings required for use in the embodiments. Obviously, the drawings described below are only some embodiments recorded in the present invention. For those of ordinary skill in the art, other drawings can also be obtained based on these drawings.

[0032] Figure 1 It is a schematic flow chart provided for an embodiment of a dynamic monitoring system and method for accounts receivable pledge financing in the power industry of the present invention. Detailed Embodiments

[0033] In order to enable those skilled in the art to better understand the technical solutions of the present invention, the following will further introduce the present invention in detail with reference to the drawings.

[0034] As Figure 1 shown, a dynamic monitoring method for accounts receivable pledge financing in the power industry provided by an embodiment of the present invention includes the following steps:

[0035] S1 Data collection and standardization processing: Establish an accounts receivable database for the power industry, collect contract data, invoice information, accounts receivable term structure, debtor electricity consumption data, and industry policy documents of power enterprises (pledgees); use blockchain technology to conduct distributed evidence storage on the accounts information, generate an immutable data chain containing time stamps and electronic signatures, and realize the verification of the authenticity of the trade background;

[0036] S2 Dynamic Risk Assessment and Early Warning: Build a five-dimensional risk assessment model, including: debtor credit rating (weight 35%, integrating State Grid credit evaluation data), accounts receivable term structure (weight 25%, matching the power project payment cycle), authenticity of trade background (weight 20%, verified based on blockchain evidence), historical payment records (weight 15%, combined with the settlement characteristics of the power industry), and completeness of legal texts (weight 5%, verifying the terms of power purchase and sale contracts); use machine learning algorithms to analyze dynamic data such as fluctuations in debtors' electricity consumption and changes in industry subsidy policies in real time, generate risk warning signals and push them to banks and guarantee institutions;

[0037] S3 Dynamic Pledge Rate Adjustment Mechanism:

[0038] According to the risk assessment results and the characteristics of accounts receivable in the power industry (such as long payment terms and a high proportion of government projects), dynamically calculate the pledge rate, with the initial pledge rate ranging from 50% to 80%;

[0039] When it is monitored that the accounts receivable payment is delayed, the debtor's credit rating is downgraded, or there is industry policy risk, automatically trigger the pledge rate reduction instruction, requiring supplementary collateral or early repayment;

[0040] S4 Intelligent Monitoring of Repayment Accounts:

[0041] Set up a dedicated repayment account, connect to the power trading settlement system through the enterprise income and expenditure flow big data platform, and capture the accounts receivable repayment records in real time;

[0042] Adopt intelligent contract technology, embed account locking clauses in the invoice remarks column and the purchase and sale contract. If the repayment path deviates from the agreed account, automatically freeze the financing amount and initiate legal recovery procedures;

[0043] S5 Risk Disposal and Asset Preservation:

[0044] When the accounts receivable are overdue for more than the grace period (set to 30 days in the power industry), initiate the asset pool replacement mechanism to replace non-performing assets with spare high-quality accounts receivable;

[0045] One-click generate an electronic evidence package through the judicial blockchain platform, including evidence contracts, repayment statements, and risk assessment records, to support rapid litigation filing.

[0046] In the blockchain evidence step, adopt the consortium blockchain architecture, and the nodes include banks, power trading centers, and third-party credit investigation agencies. The evidence content includes contract hash values, invoice images, and account maturity dates.

[0047] In the risk assessment model, the debtor's credit rating is further associated with the State Grid supplier white list, renewable energy subsidy payment records, and electricity consumption enterprise carbon emission data.

[0048] Special parameters of the power industry are introduced into the dynamic adjustment mechanism of the pledge rate, including:

[0049] The pledge rate for accounts receivable of government projects is increased by 5%-10%;

[0050] For accounts related to cross-border power trade, exchange rate fluctuation hedging clauses need to be added.

[0051] In the steps of monitoring the repayment account, the "payment account" field of the special invoice in the power industry is identified through OCR technology and automatically compared with the agreed account. An early warning is triggered when the deviation exceeds 24 hours.

[0052] A separate account supervision account is established, and sub-accounts are divided according to the types of power projects (such as thermal power, wind power, and photovoltaic), and different pledge rates and risk reserve extraction ratios are respectively matched.

[0053] In the risk disposal stage, a third-party guarantee institution is introduced to make an advance compensation of 70% of the principal and interest not recovered for bad accounts receivable, and at the same time obtain the preferential right of recourse to the corresponding electricity fee income right.

[0054] Real-time access to the data of the power trading platform through the API interface to obtain the frozen status of the performance bond of the power purchaser, which is used as an additional indicator for evaluating the probability of account receivable recovery.

[0055] An asset pool of accounts receivable in the power industry is established, allowing enterprises to package and pledge scattered accounts. The assets in the pool can be dynamically replaced, and the minimum pledge balance needs to cover 120% of the loan principal and interest.

[0056] In addition, a dynamic monitoring system for accounts receivable pledge financing in the power industry is also provided, which is implemented by using the described dynamic monitoring method.

[0057] Only some exemplary embodiments of the present invention are described above by way of illustration. Undoubtedly, for those of ordinary skill in the art, the described embodiments can be modified in various different ways without departing from the spirit and scope of the present invention. Therefore, the above drawings and descriptions are illustrative in nature and should not be construed as limiting the protection scope of the claims of the present invention.

Claims

1. A dynamic monitoring method for accounts receivable pledge financing in the power industry, characterized in that, It includes the following steps: S1 Data collection and standardization: Establish a database of accounts receivable in the power industry, collect contract data, invoice information, the account period structure of accounts receivable, power consumption data of debtors, and industry policy documents of power enterprises; Use blockchain technology to conduct distributed evidence storage of account information, generate an immutable data chain containing timestamps and electronic signatures, and verify the authenticity of the trade background; S2 Dynamic risk assessment and early warning: Build a five-dimensional risk assessment model, including: debtor credit rating, account period structure of accounts receivable, authenticity of trade background, historical collection records, and completeness of legal texts; The weight of the debtor credit rating is 35%, obtained by integrating the credit evaluation data of the State Grid; The weight of the account period structure of accounts receivable is 25%, obtained by matching the collection cycle of power projects; The weight of the authenticity of the trade background is 20%, obtained based on blockchain evidence storage verification; The weight of the historical collection records is 15%, obtained by combining the settlement characteristics of the power industry; The weight of the completeness of legal texts is 5%, obtained by verifying the terms of power purchase and sale contracts; Use machine learning algorithms to conduct real-time analysis of dynamic data such as fluctuations in the power consumption of debtors and changes in industry subsidy policies, generate risk early warning signals and push them to banks and guarantee institutions; S3 Dynamic adjustment mechanism for the pledge rate: Dynamically calculate the pledge rate according to the risk assessment results and the characteristics of accounts receivable in the power industry, and the initial pledge rate is 50%-80%; When it is monitored that the collection of accounts receivable is delayed, the debtor's credit rating is downgraded, or there are industry policy risks, automatically trigger a pledge rate reduction order, and require supplementary collateral or early repayment; S4 Intelligent monitoring of the collection account: Set up a dedicated collection account, connect to the power trading settlement system through the enterprise revenue and expenditure transaction data platform, and capture the collection records of accounts receivable in real time; Adopt intelligent contract technology, embed account locking clauses in the invoice remarks column and the purchase and sale contract. If the collection path deviates from the agreed account, automatically freeze the financing quota and initiate legal recovery procedures; S5 Risk disposal and asset preservation: When the accounts receivable are overdue beyond the grace period, initiate the asset pool replacement mechanism, and replace the non-performing assets with spare high-quality accounts receivable; One-key generate an electronic evidence package through the judicial blockchain platform, including evidence storage contracts, collection transaction records, and risk assessment records, to support rapid litigation filing.

2. The dynamic monitoring method for accounts receivable pledge financing in the power industry according to claim 1, wherein, In the blockchain evidence storage step, an alliance chain architecture is adopted, and the nodes include banks, power trading centers, and third-party credit investigation agencies. The evidence storage content includes contract hash values, invoice images, and account due dates.

3. The dynamic monitoring method for pledged financing of accounts receivable in the power industry according to claim 1, characterized in that, In the risk assessment model, the debtor credit rating is further associated with the State Grid supplier white list, renewable energy subsidy payment records, and carbon emission data of electricity-consuming enterprises.

4. The dynamic monitoring method for accounts receivable pledge financing in the power industry according to claim 1, wherein Special parameters of the power industry are introduced into the dynamic adjustment mechanism of the pledge rate, including: The pledge rate for accounts receivable of government projects is increased by 5%-10%; For accounts receivable involving cross-border power trade, exchange rate fluctuation hedging clauses need to be added.

5. The dynamic monitoring method for pledge financing of accounts receivable in the power industry according to claim 1, characterized in that, In the collection account monitoring step, use OCR technology to identify the "payment account" field of power industry special invoices, automatically compare it with the agreed account, and trigger an early warning if the deviation exceeds 24 hours.

6. The dynamic monitoring method for pledged financing of accounts receivable in the power industry according to claim 1, characterized in that Set up an escrow account with separate sub - accounts divided by power project types, and match different pledge rates and risk reserve extraction ratios respectively.

7. The dynamic monitoring method for pledge financing of accounts receivable in the power industry according to claim 1, characterized in that, In the risk disposal stage, introduce a third - party guarantee institution to make an advance compensation of 70% of the principal and interest not recovered for non - performing accounts receivable, and at the same time obtain the right of first recourse to the corresponding electricity charge income right.

8. A dynamic monitoring method for pledged financing of accounts receivable in the power industry according to claim 1, characterized in that, Real - time access to the data of the power trading platform through the API interface to obtain the frozen status of the performance bond of the power purchaser, which is used as an additional indicator for evaluating the probability of account receivable recovery.

9. The dynamic monitoring method for accounts receivable pledge financing in the power industry according to claim 1, characterized in that Establish an asset pool of accounts receivable in the power industry, allowing enterprises to package and pledge scattered accounts receivable. The assets in the pool can be dynamically replaced, and the minimum pledged balance should cover 120% of the loan principal and interest.

10. A dynamic monitoring system for pledged financing of accounts receivable in the power industry, characterized in that, Implemented by using the dynamic monitoring method described in any one of claims 1 - 9.

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