Supply chain finance intelligent risk control method and system
By establishing a supply chain management template and risk review model, the supply chain risk problem caused by the difficulty of capital turnover for small and medium-sized enterprises was solved, and effective risk control of the supply chain was achieved.
Patent Information
- Application Number
- CN202510757705.6
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-06-09
- Publication Date
- 2025-09-12
AI Technical Summary
Small and medium-sized enterprises face difficulties in capital turnover in the supply chain, which makes the supply chain prone to collapse, and have high loan risks and lack effective risk control measures.
By establishing a supply chain management template, calculating the minimum capital flow threshold and capital security fluctuation range, generating a risk review model, conducting risk reviews and outputting control measures.
Effectively judge corporate liquidity, avoid supply chain disruptions, reduce financial risks, and achieve accurate risk control.
Smart Images
Figure CN120634707A_ABST
Abstract
Description
Technical Field
[0001] This application belongs to the field of supply chain finance technology, and specifically relates to a supply chain finance intelligent risk control method and system. Background Art
[0002] With increasingly fierce market competition, many companies are facing pressure on capital turnover, especially small and medium-sized enterprises, which may be unable to continue normal operations due to the inability to pay for goods immediately or the long payment cycle. Once suppliers in the upper and middle reaches of the supply chain are short of funds, it will directly lead to stagnation of subsequent links or even a break in the chain.
[0003] Usually, in order to ease financial pressure, small and medium-sized enterprises will borrow money from upstream suppliers or provide advance payment services to downstream distributors. However, the development of small and medium-sized enterprises is unstable, and many of them go bankrupt. In the absence of collateral, credit records, and transaction vouchers, the loan risk of small and medium-sized enterprises is high. Moreover, all parties within the same supply chain are interdependent, and they will prosper and suffer together. It is easy to cause the collapse of the entire supply chain like a domino effect. If upstream suppliers and downstream distributors do not have enough understanding of the company's actual operating conditions, after providing large sums of money and leasing a large amount of goods, they will later find that they cannot control the risks that occurred, which will not only cause their own asset losses but also lead to unpredictable losses. Summary of the Invention
[0004] To address the above-mentioned problems and technical deficiencies, this application adopts the following technical solution, a supply chain finance intelligent risk control method, comprising the following steps:
[0005] Register and authenticate companies in the supply chain, obtain upstream and downstream capital data of the supply chain and the historical revenue figures of the companies;
[0006] Calculate the target enterprise's minimum capital flow threshold based on upstream and downstream capital data of the supply chain, generate the capital security fluctuation range for each type of business in the target enterprise based on the enterprise's historical revenue, and combine the minimum capital flow threshold and capital security fluctuation range to generate a supply chain financial risk review model;
[0007] Input the revenue and capital data of the target enterprise, conduct a risk review of the revenue and capital data using the supply chain finance risk review model, output the risk review results, input the risk review results into the risk controller, and the risk controller outputs risk control measures to conduct risk management and control of the target enterprise.
[0008] Preferably, the calculation of the target enterprise's minimum capital flow threshold includes:
[0009] Establish a supply chain management template, fill the certified enterprise and the corresponding enterprise historical revenue funds into the supply chain management template to generate a supply chain;
[0010] Combined with the target enterprise's position in the supply chain and the capital turnover time limit of the industry in which it operates, the target enterprise's minimum capital flow threshold is calculated based on the operating data of other enterprises in the supply chain.
[0011] Furthermore, the process of generating the fund safety fluctuation range is as follows:
[0012] Conduct business classification and project identification of historical revenue fund data;
[0013] Perform feature extraction on historical revenue capital data after business classification and content identification to obtain the capital characteristics of each project under each business category;
[0014] The dynamic safety threshold line for each type of business is calculated based on the capital characteristics, and the capital safety fluctuation range for each type of business is generated based on the dynamic safety threshold line.
[0015] Furthermore, there are two dynamic security threshold lines, namely the maximum dynamic security threshold line and the minimum dynamic security threshold line. The range between the two dynamic security threshold lines is the fund security fluctuation range for each type of business. The calculation formulas for the two dynamic security threshold lines are as follows:
[0016] α n =μ n ±(∑ i＝1 σ ni *(h / log(ε / ε n )))+∈ n
[0017] Among them, μ is the dynamic baseline prediction value of the nth service, α n is the dynamic safety threshold, σ ni is the historical volatility standard deviation of the i-th project under the n-th business, h is the industry volatility, ε is the total assets of the enterprise, and ε n is the total assets of the nth business, ∈ n The life cycle correction value of the nth service.
[0018] Furthermore, the process of conducting risk review is as follows:
[0019] Calculate the revenue data within the period and the minimum cash flow threshold to determine whether the target company's cash flow meets the supply chain requirements. If not, calculate the business risk coefficient and enterprise risk coefficient;
[0020] Classify revenue capital data into business categories and convert the capital data corresponding to each business category into a business capital curve;
[0021] Compare the completed capital curve with the capital safety fluctuation range to determine whether the business capital curve exceeds the capital safety fluctuation range. If so, calculate the business risk coefficient and enterprise risk coefficient.
[0022] The business risk coefficient and enterprise risk coefficient are output to the risk controller as risk review results.
[0023] Furthermore, the business risk coefficient calculation formula is as follows:
[0024] γ n =logh n / │(β nm -α n1 ) 2 -(β nm -α n2 ) 2 │
[0025] Among them, γ n is the risk coefficient of the nth business, β nm is the parameter value of the highest or lowest point of the curve in the mth period of the capital curve of the nth business, α1 is the corresponding value of the maximum dynamic security threshold line of the nth business, α2 is the corresponding value of the minimum dynamic security threshold line of the nth business, and h n is the fluctuation correction coefficient of the nth business;
[0026] The enterprise risk coefficient calculation formula is as follows:
[0027]
[0028] in, is the risk factor of the enterprise.
[0029] Furthermore, the process of establishing the risk controller is as follows:
[0030] Retrieve and download historical financial risk incidents in the supply chain, conduct risk analysis on these incidents, and obtain the risk causes, risk development process, risk impact results, and risk control measures for each historical financial risk incident;
[0031] Extract features from historical financial risk accidents, cluster them according to the extracted features, and assign risk values to each type of historical financial risk accident;
[0032] Each risk assignment corresponds to a risk coefficient range. When the target risk coefficient matches a risk coefficient range, it is judged that the current supply chain financial risk matches the financial risk accident category to which the corresponding risk assignment belongs.
[0033] A supply chain finance intelligent risk control system, comprising:
[0034] The enterprise management module is used to register and authenticate enterprises in the supply chain, obtain upstream and downstream capital data of the supply chain and the historical revenue figures of enterprises;
[0035] The risk review module is used to calculate the target enterprise's minimum capital flow threshold based on upstream and downstream capital data of the supply chain, generate the capital security fluctuation range for each type of business in the target enterprise based on the enterprise's historical revenue capital, generate a supply chain financial risk review model, input the target enterprise's revenue capital data, use the supply chain financial risk review model to conduct a risk review of the revenue capital data, and output the risk review results;
[0036] The risk control module is used to input risk review results to the risk controller, which then outputs risk control measures to conduct risk management and control on the target enterprise.
[0037] An electronic device includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the program, the content of the intelligent risk control method for supply chain finance as described above is implemented.
[0038] A computer-readable storage medium stores a computer program, which, when executed by a processor, implements the content of the supply chain finance intelligent risk control method as described above.
[0039] Compared with the prior art, the present invention has the following advantages:
[0040] (1) This application establishes a supply chain management template, fills the certified enterprise and the corresponding enterprise's historical revenue funds into the supply chain management template, generates a supply chain, combines the target enterprise's position in the supply chain and the capital turnover time limit of the industry in which it is located, and calculates the target enterprise's minimum capital flow threshold based on the operating data of other enterprises in the supply chain, and judges whether the target enterprise's capital liquidity meets the supply chain needs, so as to avoid the slow capital flow of the enterprise, which will hinder the capital recovery of other upstream and downstream enterprises in the supply chain and affect the entire supply chain, avoid causing more serious financial losses, and protect other upstream and downstream enterprises in the entire supply chain;
[0041] (2) This application extracts features from historical revenue capital data after business classification and content identification, obtains the capital features of each project under each type of business, calculates the dynamic safety threshold line of each type of business based on the capital features, generates the capital safety fluctuation range of each type of business based on the dynamic safety threshold line, calculates and compares the completed capital curve with the capital safety fluctuation range, and thus accurately determines which business in the target enterprise has capital and financial risks, and can also carry out accurate risk control. BRIEF DESCRIPTION OF THE DRAWINGS
[0042] In the attached figure:
[0043] Figure 1 A schematic diagram of the method steps of an embodiment of the present application;
[0044] Figure 2 A schematic diagram of the system structure of an embodiment of the present application;
[0045] Figure 3 This is a schematic diagram of the device structure of an embodiment of the present application. DETAILED DESCRIPTION
[0046] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below in combination 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. Generally, the components of the embodiments of the present application described and shown in the drawings here can be arranged and designed in various different configurations.
[0047] Example 1
[0048] like Figure 1 As shown, a supply chain finance intelligent risk control method includes the following steps:
[0049] Register and authenticate companies in the supply chain, obtain upstream and downstream capital data of the supply chain and the historical revenue figures of the companies;
[0050] Calculate the target enterprise's minimum capital flow threshold based on upstream and downstream capital data of the supply chain, generate the capital security fluctuation range for each type of business in the target enterprise based on the enterprise's historical revenue, and combine the minimum capital flow threshold and capital security fluctuation range to generate a supply chain financial risk review model;
[0051] The calculation of the target enterprise's minimum cash flow threshold includes:
[0052] Establish a supply chain management template, fill the certified enterprise and the corresponding enterprise historical revenue funds into the supply chain management template to generate a supply chain;
[0053] Combined with the target enterprise's position in the supply chain and the capital turnover time limit of the industry in which it operates, the target enterprise's minimum capital flow threshold is calculated based on the operating data of other enterprises in the supply chain.
[0054] For example, the target company purchases raw materials from Company A and sells them to Company B after processing. If the price of Company A's raw materials increases, the company will need to reduce its output, but Company B's demand also increases. The calculation shows that if the raw material price increases by X yuan, selling Y more units to Company B can maintain the original profit. Alternatively, the target company can replace Company A's raw materials with raw materials from Company C, which has not increased in price. However, the raw materials from Company C are of lower quality, requiring increased machine efficiency. This will not have a short-term impact, but will increase equipment maintenance costs in the long term.
[0055] Combined with the capital turnover time limit, for example, after purchasing raw materials and selling goods, it takes half a month to receive payment and make a profit, but the price fluctuation of Company A or Company B only lasts for 2 months. Based on its own production capacity, calculate when to increase Company A's purchase volume and when to reduce Company A's purchase volume.
[0056] The process of generating a fund safety fluctuation range is as follows:
[0057] Business classification and project identification are performed on historical revenue capital data. Capital business refers to the various production and operation businesses of a factory enterprise, such as the different types of snacks produced by a food and snack factory. Capital projects refer to expenditures and revenues for items such as labor costs, raw material costs, transportation costs, R&D costs, and equipment maintenance costs.
[0058] Perform feature extraction on historical revenue capital data after business classification and content identification to obtain the capital characteristics of each project under each business category;
[0059] The dynamic safety threshold line for each type of business is calculated based on the capital characteristics, and the capital safety fluctuation range for each type of business is generated based on the dynamic safety threshold line.
[0060] There are two dynamic security threshold lines: the maximum dynamic security threshold line and the minimum dynamic security threshold line. The range between the two dynamic security threshold lines represents the fund security fluctuation range for each type of business. The calculation formulas for the two dynamic security threshold lines are as follows:
[0061] α n =μ n ±(∑ i＝1 σ ni *(h / log(ε / ε n )))+∈ n
[0062] Among them, μ is the dynamic baseline prediction value of the nth service, α n is the dynamic safety threshold, σ ni is the historical volatility standard deviation of the i-th project under the n-th business, h is the industry volatility, ε is the total assets of the enterprise, and ε n is the total assets of the nth business, ∈ n The life cycle correction value of the nth service.
[0063] Input the revenue and capital data of the target enterprise, conduct a risk review of the revenue and capital data using the supply chain finance risk review model, output the risk review results, input the risk review results into the risk controller, and the risk controller outputs risk control measures to conduct risk management and control of the target enterprise.
[0064] The process for conducting a risk review is as follows:
[0065] Calculate the revenue data within the period and the minimum cash flow threshold to determine whether the target company's cash flow meets the supply chain requirements. If not, calculate the business risk coefficient and enterprise risk coefficient;
[0066] Classify revenue capital data into business categories and convert the capital data corresponding to each business category into a business capital curve;
[0067] Compare the completed capital curve with the capital safety fluctuation range to determine whether the business capital curve exceeds the capital safety fluctuation range. If so, calculate the business risk coefficient and enterprise risk coefficient.
[0068] The business risk coefficient and enterprise risk coefficient are output to the risk controller as risk review results.
[0069] The business risk coefficient calculation formula is as follows:
[0070] γ n =logh n / │(β nm -α n1 ) 2 -(β nm -α n2 ) 2 │
[0071] Among them, γ n is the risk coefficient of the nth business, β nm is the parameter value of the highest or lowest point of the curve in the mth period of the capital curve of the nth business, α1 is the corresponding value of the maximum dynamic security threshold line of the nth business, α2 is the corresponding value of the minimum dynamic security threshold line of the nth business, and h n is the fluctuation correction coefficient of the nth business;
[0072] The enterprise risk coefficient calculation formula is as follows:
[0073]
[0074] in, is the risk factor of the enterprise.
[0075] The process of establishing a risk controller is as follows:
[0076] Retrieve and download historical financial risk incidents in the supply chain, conduct risk analysis on these incidents, and obtain the risk causes, risk development process, risk impact results, and risk control measures for each historical financial risk incident;
[0077] Extract features from historical financial risk accidents, cluster them according to the extracted features, and assign risk values to each type of historical financial risk accident;
[0078] Each risk assignment corresponds to a risk coefficient range. When the target risk coefficient matches a risk coefficient range, it is judged that the current supply chain financial risk matches the financial risk accident category to which the corresponding risk assignment belongs.
[0079] Example 2
[0080] like Figure 2 As shown, a supply chain finance intelligent risk control system includes:
[0081] The enterprise management module is used to register and authenticate enterprises in the supply chain, obtain upstream and downstream capital data of the supply chain and the historical revenue figures of enterprises;
[0082] The risk review module is used to calculate the target enterprise's minimum capital flow threshold based on upstream and downstream capital data of the supply chain, generate the capital security fluctuation range for each type of business in the target enterprise based on the enterprise's historical revenue capital, generate a supply chain financial risk review model, input the target enterprise's revenue capital data, use the supply chain financial risk review model to conduct a risk review of the revenue capital data, and output the risk review results;
[0083] The risk control module is used to input risk review results to the risk controller, which then outputs risk control measures to conduct risk management and control on the target enterprise.
[0084] Example 3
[0085] like Figure 3 As shown, from the hardware level, the present application provides an embodiment of an electronic device that contains all or part of the content of a supply chain finance intelligent risk control method, wherein the electronic device includes a service processor and a distributed memory, wherein the service processor is connected to the memory, wherein the distributed memory stores a service self-management program configured to store machine-readable instructions, and the service processor executes the service self-management program, and when the instructions are executed by the processor, a supply chain finance intelligent risk control method as described above is implemented.
[0086] From a hardware perspective, in order to effectively improve the flexibility, versatility, and efficiency of data collection, this application provides an embodiment of an electronic device that implements all or part of the supply chain finance intelligent risk control method. The electronic device specifically includes the following:
[0087] A processor, a memory, a communications interface, and a bus; wherein the processor, the memory, and the communications interface communicate with each other via the bus; the communications interface is used to implement information transmission between a core business system of a supply chain finance intelligent risk control method, a user terminal, and related databases and other related devices; the logic controller can be a desktop computer, a tablet computer, a mobile terminal, etc., but this embodiment is not limited thereto.
[0088] In this embodiment, the logic controller can be implemented with reference to an embodiment of a supply chain finance intelligent risk control method in the embodiment, the contents of which are incorporated herein and the repeated parts are not repeated.
[0089] It is understandable that the user terminal may include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a personal digital assistant (PDA), a vehicle-mounted device, a smart wearable device, etc., wherein the smart wearable device may include smart glasses, smart watches, smart bracelets, etc.
[0090] In practical applications, a portion of a supply chain finance intelligent risk control method may be executed on the electronic device as described above, or all operations may be performed on the client device. The specific selection may be based on the processing capabilities of the client device and the limitations of the user's usage scenario, and this application does not limit this. If all operations are performed on the client device, the client device may also include a processor.
[0091] The above-mentioned client device may have a communication module (i.e., a communication unit), which can communicate with a remote server to realize data transmission with the server. The server may include a server on the task scheduling center side, and other implementation scenarios may also include a server on an intermediate platform, such as a server on a third-party server platform that has a communication link with the task scheduling center server. The server may include a single computer device, or a server cluster consisting of multiple servers, or a server structure of a distributed device.
[0092] Example 4
[0093] The embodiments of the present application also provide a computer-readable storage medium that can implement a supply chain finance intelligent risk control method in which the execution subject is a server or a client in the above embodiments. The computer-readable storage medium stores a computer program, which, when executed by a processor, implements all the contents of the supply chain finance intelligent risk control method in which the execution subject is a server or a client in the above embodiments.
[0094] The embodiments of the present application may be provided as methods, apparatuses, or computer program products. Thus, the present application may take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present application may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.
[0095] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (apparatus), and computer program products according to the embodiments of the present application. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of the processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.
[0096] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.
[0097] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.
[0098] The above-described embodiments merely represent preferred implementations of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present application. It should be noted that a person skilled in the art would be able to make numerous variations, improvements, and substitutions without departing from the spirit of the present application, all of which fall within the scope of protection of the present application.
Claims
1. A supply chain finance intelligent risk control method, characterized by: The following steps are involved: Register and authenticate companies in the supply chain, obtain upstream and downstream capital data of the supply chain and the historical revenue figures of the companies; Calculate the target enterprise's minimum capital flow threshold based on upstream and downstream capital data of the supply chain, generate the capital security fluctuation range for each type of business in the target enterprise based on the enterprise's historical revenue, and combine the minimum capital flow threshold and capital security fluctuation range to generate a supply chain financial risk review model; Input the revenue and capital data of the target enterprise, conduct a risk review of the revenue and capital data using the supply chain finance risk review model, output the risk review results, input the risk review results into the risk controller, and the risk controller outputs risk control measures to conduct risk management and control of the target enterprise.
2. A supply chain finance intelligent risk control method according to claim 1, characterized in that: The calculation of the target enterprise's minimum capital flow threshold includes: Establish a supply chain management template, fill the certified enterprise and the corresponding enterprise historical revenue funds into the supply chain management template to generate a supply chain; Combined with the target enterprise's position in the supply chain and the capital turnover time limit of the industry in which it operates, the target enterprise's minimum capital flow threshold is calculated based on the operating data of other enterprises in the supply chain.
3. A supply chain finance intelligent risk control method according to claim 2, characterized in that: The process of generating the fund safety fluctuation range is as follows: Conduct business classification and project identification of historical revenue fund data; Perform feature extraction on historical revenue capital data after business classification and content identification to obtain the capital characteristics of each project under each business category; The dynamic safety threshold line for each type of business is calculated based on the capital characteristics, and the capital safety fluctuation range for each type of business is generated based on the dynamic safety threshold line.
4. A supply chain finance intelligent risk control method according to claim 3, characterized in that: There are two dynamic security threshold lines, namely the maximum dynamic security threshold line and the minimum dynamic security threshold line. The range between the two dynamic security threshold lines is the fund security fluctuation range of each type of business. The calculation formulas for the two dynamic security threshold lines are as follows: a n =μ n ±(∑ i＝1 s ni *(h / log(e / e) n )))+∈ n Among them, μ is the dynamic baseline prediction value of the nth service, α n is the dynamic safety threshold, σ ni is the historical volatility standard deviation of the i-th project under the n-th business, h is the industry volatility, ε is the total assets of the enterprise, and ε n is the total assets of the nth business, ∈ n The life cycle correction value of the nth service.
5. The intelligent risk control method for supply chain finance according to claim 3, characterized in that: The process for conducting a risk review is as follows: Calculate the revenue data within the period and the minimum cash flow threshold to determine whether the target company's cash flow meets the supply chain requirements. If not, calculate the business risk coefficient and enterprise risk coefficient; Classify revenue capital data into business categories and convert the capital data corresponding to each business category into a business capital curve; Compare the completed capital curve with the capital safety fluctuation range to determine whether the business capital curve exceeds the capital safety fluctuation range. If so, calculate the business risk coefficient and enterprise risk coefficient. The business risk coefficient and enterprise risk coefficient are output to the risk controller as risk review results.
6. A supply chain finance intelligent risk control method according to claim 5, characterized in that: The business risk coefficient calculation formula is as follows: c n =logh n / │(b nm -a n1 ) 2 -(b nm -a n2 ) 2 │ Among them, γ n is the risk coefficient of the nth business, β nm is the parameter value of the highest or lowest point of the curve in the mth period of the capital curve of the nth business, α1 is the corresponding value of the maximum dynamic security threshold line of the nth business, α2 is the corresponding value of the minimum dynamic security threshold line of the nth business, and h n is the fluctuation correction coefficient of the nth business; The enterprise risk coefficient calculation formula is as follows: in, is the risk factor of the enterprise.
7. A supply chain finance intelligent risk control method according to claim 6, characterized in that: The process of establishing the risk controller is as follows: Retrieve and download historical financial risk incidents in the supply chain, conduct risk analysis on these incidents, and obtain the risk causes, risk development process, risk impact results, and risk control measures for each historical financial risk incident; Extract features from historical financial risk accidents, cluster them according to the extracted features, and assign risk values to each type of historical financial risk accident; Each risk assignment corresponds to a risk coefficient range. When the target risk coefficient matches a risk coefficient range, it is judged that the current supply chain financial risk matches the financial risk accident category to which the corresponding risk assignment belongs.
8. A supply chain finance intelligent risk control system, characterized by: include: The enterprise management module is used to register and authenticate enterprises in the supply chain, obtain upstream and downstream capital data of the supply chain and the historical revenue figures of enterprises; The risk review module is used to calculate the target enterprise's minimum capital flow threshold based on upstream and downstream capital data of the supply chain, generate the capital security fluctuation range for each type of business in the target enterprise based on the enterprise's historical revenue capital, generate a supply chain financial risk review model, input the target enterprise's revenue capital data, use the supply chain financial risk review model to conduct a risk review of the revenue capital data, and output the risk review results; The risk control module is used to input risk review results to the risk controller, which then outputs risk control measures to conduct risk management and control on the target enterprise.
9. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the program, the content of the supply chain financial intelligent risk control method described in claim 1 is implemented.
10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, it implements the content of the supply chain financial intelligent risk control method described in claim 1.