Carbon account-based multi-level green supply chain financial intelligent cooperation system and method

Abstract

The invention relates to the technical field of enterprise financial management, and discloses a multi-level green supply chain financial intelligent cooperation system and method based on a carbon account, and the system comprises an enterprise financial activity application green supply chain object analysis module, an enterprise green supply chain financial strategy making module, and an enterprise green supply chain financial strategy output module. On the basis of enterprise financial loan application supply chain link identification information and enterprise target supply chain link total carbon point information, an intelligent search algorithm and scientifically set enterprise supply chain financial loan discount scheme information are combined to carry out enterprise supply chain financial loan discount scheme intelligent planning. The enterprise financial loan preferential scheme is formulated based on the supply chain link and the supply chain link carbon point, the supply chain financial loan business is scientifically managed based on the supply chain link carbon account, and the intelligence and greenization of enterprise green supply chain financial management are improved.

Description

Technical Field

[0001] This invention relates to the technical field of corporate financial management, specifically to a multi-level green supply chain finance intelligent collaborative system and method based on carbon accounts. Background Technology

[0002] A carbon account is an account established by a carbon credit platform or financial institution for individuals or businesses to quantify and record the carbon emission reductions generated by an individual's low-carbon behavior, covering scenarios such as public transportation, the use of new energy vehicles, and utility payments. It also quantifies and records a company's low-carbon behavior in product manufacturing and after-sales service, specifically including low-carbon behaviors in product design, procurement, manufacturing, logistics, sales, and recycling. A green supply chain is a modern management model that integrates environmental protection and resource conservation concepts throughout the entire product lifecycle, covering design, procurement, manufacturing, logistics, sales, and recycling. It also works in conjunction with carbon accounts to achieve green financial management in the field of corporate finance, promoting the green development of corporate financial management. However, existing corporate green supply chain financial management processes cannot achieve refined and intelligent management of corporate financial loans based on the supply chain links and carbon credits of those links, thus reducing the intelligence and scientific nature of corporate green supply chain financial management.

[0003] Chinese invention patent application CN118657601A, published on September 17, 2024, discloses a financial service method using a financial service code to achieve multi-channel collaborative financial aggregation. This method utilizes the financial service code as a carrier to create online financial aggregation services and integrate financial supply-side service resources. It is supported by a unified authentication service system to create an intensive user authorization system, establishing a financial user system covering natural persons, market entities, and financial institutions. Supported by blockchain technology and based on relevant business scenarios, it simultaneously creates online and offline collaborative enterprise user profiles and financial product profiles. A collaborative filtering algorithm is used to generate a marketing recommendation list, and recommended financial products are pushed to target enterprises and users. However, the above technical solution cannot realize the process of enterprise financial loans based on carbon account management. Summary of the Invention

[0004] (a) Technical problems to be solved To address the shortcomings of existing corporate green supply chain finance management processes, which fail to achieve refined and intelligent management of corporate financial loans based on supply chain links and carbon credits at those links, thus reducing the intelligence and scientific rigor of corporate green supply chain finance management, this paper aims to achieve the following objectives: autonomously identifying supply chain links in corporate financial loan applications, classifying and analyzing carbon credits at those links, developing refined corporate financial loan incentive plans based on supply chain links and carbon credits, and improving the intelligence and scientific rigor of corporate green supply chain finance management.

[0005] (II) Technical Solution This invention is achieved through the following technical solution: a multi-level green supply chain finance intelligent collaborative method based on carbon accounts, the method comprising the following steps: S1. Collect enterprise financial activity characteristic information, identify the specific supply chain link objects of enterprise financial loan application based on enterprise financial activity information, and obtain enterprise financial loan application supply chain link identification information. S2. Based on the characteristics of the enterprise's financial activities and the identification information of the supply chain links in the application of financial loans, the total carbon credit information of the specific supply chain links in the application of financial loans by the enterprise is calculated, and the total carbon credit information of the enterprise's target supply chain links is obtained; based on the identification information of the supply chain links in the application of financial loans by the enterprise and the statistical information of the total carbon credits of the supply chain links, the preferential scheme information for the enterprise's supply chain finance loans is formulated, and the preferential scheme formulation information for the enterprise's supply chain finance loans is obtained. S3. Construct information on green supply chain finance loan schemes for enterprises and perform feedback on the results of green supply chain finance loans for enterprises.

[0006] Preferably, the steps for collecting enterprise financial activity characteristic information and identifying specific supply chain links in the enterprise's financial loan application based on this information are as follows: S11. Collect the identity information of enterprises applying for financial loans and the characteristic text information of the application of financial loans to specific supply chain links through the financial management platform to obtain the enterprise financial activity characteristic information. The enterprise financial activity characteristic information includes the enterprise code, enterprise name, enterprise registered address and supply chain link characteristic information of the application of financial loans by the enterprise applying for financial loans. The financial management platform includes any one of the following: Agricultural Bank of China financial management platform, China Construction Bank financial management platform, and Industrial and Commercial Bank of China financial management platform. S12. Based on the enterprise financial activity feature information and the feature keyword set of different financial loan application supply chain links, perform specific supply chain link object identification processing for enterprise financial loan applications to obtain enterprise financial loan application supply chain link identification information.

[0007] Preferably, the steps for identifying specific supply chain links in enterprise financial loan applications based on the enterprise's financial activity characteristic information and the keyword set of different financial loan application supply chain links are as follows: S121. Establish a set of keywords representing the characteristics of different financial loan application supply chain links. ,in Indicates the first This document defines the characteristic keywords for different financial loan applications corresponding to various supply chain stages. These stages include product design, product procurement, product manufacturing, product logistics, product sales, and product recycling. The specific characteristic keywords for different financial loan applications represent standard characteristic keywords set for different supply chain stage types, and include R&D, planning, purchasing, processing, assembly, transportation, distribution, marketing, sales, remanufacturing, and waste management. S122. The Boyer-Moore search algorithm is used to combine the enterprise financial activity feature information with the feature keyword set of different financial loan application supply chain links. Keywords describing the characteristics of different financial loan applications in the supply chain Perform supply chain segment feature text character matching to search for supply chain segment feature keywords of different financial loan applications that match the financial activity feature information of the enterprise. The corresponding supply chain link type text information is used to construct supply chain link identification information for corporate financial loan applications.

[0008] Preferably, based on the enterprise's financial activity characteristics and supply chain segment identification information for financial loan applications, the total carbon credits of the specific supply chain segments targeted by the enterprise's financial loans are statistically analyzed to obtain the total carbon credits of the enterprise's target supply chain segments. Based on the enterprise's supply chain segment identification information for financial loan applications and the statistical information on the total carbon credits of the supply chain segments, preferential scheme information for enterprise supply chain finance loans is formulated. The operational steps for obtaining the enterprise supply chain finance loan preferential scheme formulation information are as follows: S21. Based on the enterprise financial activity characteristic information, the enterprise financial loan application supply chain link identification information and the current accumulated total carbon credit information set of the enterprise supply chain link, perform statistical processing of the total carbon credit information of the specific supply chain link object of the enterprise financial loan application to obtain the total carbon credit information of the enterprise target supply chain link. S22. Based on the enterprise financial loan application supply chain link identification information, the enterprise target supply chain link total carbon credit information and the enterprise supply chain financial loan preferential scheme information set, perform enterprise supply chain financial loan preferential scheme information formulation processing to obtain enterprise supply chain financial loan preferential scheme formulation information.

[0009] Preferably, the steps for statistically processing the total carbon credit information of the specific supply chain link of the enterprise's financial loan application based on the enterprise's financial activity characteristic information, the enterprise's financial loan application supply chain link identification information, and the current accumulated total carbon credit information set of the enterprise's supply chain links to obtain the total carbon credit information of the enterprise's target supply chain link are as follows: S211. Establish a collection of information on the total carbon credits currently accumulated in each link of the enterprise's supply chain. ,in Indicates the first The system provides information on the total accumulated carbon credits of a company's supply chain links, corresponding to various combinations of characteristics. The combined characteristics of these links represent an index data type primarily composed of the company's identity information and information about the supply chain links used for financial loan applications. This index is used to search for the total accumulated carbon credits of specific supply chain links within a company. The total accumulated carbon credits of a company's supply chain links represent the latest carbon credit information for different supply chain links, set based on an internet platform for different companies and different supply chain links. S212. Combine the enterprise financial activity characteristic information, the enterprise financial loan application supply chain link identification information, and the enterprise supply chain link currently accumulated total carbon credit information set. The information on the total carbon credits currently accumulated in the enterprise's supply chain is described in the text. By matching enterprise identity and text information of enterprise supply chain links, the current accumulated total carbon credits of the enterprise supply chain link corresponding to the enterprise's financial activity feature information and the enterprise's financial loan application supply chain link identification information are retrieved. The total carbon credits for the enterprise's target supply chain are generated through data identification. The specific steps for generating the total carbon credits for the enterprise's target supply chain are as follows: S2121, Algorithm iteration count initialization and ocean current simulation process; Set the maximum number of algorithm iterations to Y, and currently accumulate the total carbon credit information set in the enterprise supply chain. The search space is used to simulate ocean currents and generate the total carbon credits currently accumulated in the enterprise's supply chain. Nutrients, supply chain carbon credit search jellyfish are the total carbon credits currently accumulated in the supply chain of the enterprise mentioned. Nutrient attraction and the direction of ocean currents are determined by the average of all vectors from each carbon-integrated search jellyfish in the ocean toward the carbon-integrated search jellyfish in the optimal position. S2122. During algorithm execution, the carbon credit search jellyfish swarm in the supply chain link of the enterprise's supply chain link currently accumulates a total carbon credit information set. The search space moves around their own positions and searches for all the currently accumulated total carbon credits of the enterprise supply chain links. The formula for updating the corresponding position of the carbon credit search jellyfish at each link in the supply chain is as follows: ,in This indicates a carbon credit search for individual jellyfish within the supply chain. No. After the next iteration, the total carbon credit information set currently accumulated in the enterprise's supply chain is... The location in the search space, This indicates a carbon credit search for individual jellyfish within the supply chain. No. After the next iteration, the total carbon credit information set currently accumulated in the enterprise's supply chain is... The location in the search space, Indicates the value Random function data within the interval; and These represent the total carbon credit information set currently accumulated in each link of the enterprise's supply chain. Search the search space to find the total carbon credits currently accumulated in the enterprise's supply chain links that match the enterprise's financial activity characteristics and the enterprise's financial loan application supply chain link identification information. The upper and lower boundaries, This represents the kinematic system data and has a value of 0.1. S2123, During algorithm execution, the carbon credit search jellyfish swarm in the supply chain link of the enterprise's supply chain link currently accumulates the total carbon credit information set of the jellyfish. Search the search space to find the total carbon credits currently accumulated in the enterprise's supply chain links that match the enterprise's financial activity characteristics and the enterprise's financial loan application supply chain link identification information. The required time is measured and processed using a time control formula, which is as follows: ,in Indicates the first After the next iteration, the carbon credit search jellyfish individual in the supply chain link currently accumulates the total carbon credit information set in the enterprise's supply chain link. Search the search space to find the total carbon credits currently accumulated in the enterprise's supply chain links that match the enterprise's financial activity characteristics and the enterprise's financial loan application supply chain link identification information. The required time, where Y represents the maximum number of iterations. Indicates the value Random function data within the interval; S2124. The algorithm execution satisfies the boundary conditions, when the carbon credit search jellyfish in the supply chain link currently accumulates the total carbon credit information set in the enterprise's supply chain link. When the bounded search region is moved out of the search space, the carbon credit search jellyfish in the supply chain links returns to the current accumulated total carbon credit information set of the enterprise's supply chain links. In the opposite search region of the search space, the boundary conditions for the jellyfish movement in the carbon integral search of the supply chain link satisfy the following formula: ,in This indicates a carbon credit search for individual jellyfish within the supply chain. In spatial dimension The total carbon credit information set currently accumulated in the enterprise's supply chain links. The updated position in the search space. This indicates a carbon credit search for individual jellyfish within the supply chain. In spatial dimension The total carbon credit information set currently accumulated in the enterprise's supply chain links. The position in the search space before the update; S2125. When the algorithm reaches the maximum number of iterations, it outputs the current accumulated total carbon credits of the enterprise's supply chain link that matches the enterprise's financial activity characteristic information and the enterprise's financial loan application supply chain link identification information. ; S2126. Obtain the total carbon credits currently accumulated in the enterprise supply chain links output in step S2125. The data is then used to generate total carbon credits for the enterprise's target supply chain links. These total carbon credits represent the latest total carbon credits for the specific supply chain links for which the enterprise is applying for financial loans.

[0010] Preferably, the steps for processing the preferential scheme information for enterprise supply chain finance loans based on the enterprise financial loan application supply chain link identification information, the enterprise target supply chain link total carbon credit information, and the enterprise supply chain finance loan preferential scheme information set to obtain the enterprise supply chain finance loan preferential scheme formulation information are as follows: S221. Establish an information collection of preferential loan programs for enterprise supply chain finance. ,in Indicates the first Information on preferential loan schemes for enterprise supply chain finance corresponding to different types of carbon credits in the enterprise supply chain; the type of carbon credit in the enterprise supply chain mainly refers to an index data type formed by combining information on the enterprise's financial loan application in the supply chain and the total carbon credit information of the financial loan application in the supply chain, which is used to search for information on preferential loan schemes for enterprise supply chain finance; the information on preferential loan schemes for enterprise supply chain finance refers to preferential loan schemes for enterprise financial loans set for different supply chain objects and different carbon credit information in the supply chain; the information on preferential loan schemes for enterprise supply chain finance includes text information on the amount of enterprise financial loans, interest rate, duration, and repayment method. S222. Using a depth-first search algorithm, the enterprise financial loan application supply chain link identification information, the enterprise target supply chain link total carbon credit information, and the enterprise supply chain financial loan preferential scheme information set are combined. Information on preferential supply chain finance loan programs for enterprises mentioned above By matching supply chain segment types with supply chain carbon credit text information, the system retrieves the enterprise's supply chain finance loan application information, the corresponding supply chain segment identification information, and the total carbon credit information of the enterprise's target supply chain segments, as well as the enterprise's supply chain finance loan preferential scheme information. The system generates enterprise supply chain finance loan preferential scheme formulation information through data identification. The enterprise supply chain finance loan preferential scheme formulation information represents the current optimal enterprise financial loan scheme that the enterprise can apply for based on the type of supply chain link in the application of financial loans and the total carbon credits of the supply chain link in the application of financial loans.

[0011] Preferably, the steps for constructing enterprise green supply chain finance loan scheme information and executing the enterprise green supply chain finance loan result feedback operation are as follows: S31. The information on the enterprise supply chain finance loan preferential scheme is used to construct the enterprise green supply chain finance loan scheme information through data identification. S32. Based on the enterprise green supply chain finance loan scheme information, perform the enterprise green supply chain finance loan result feedback operation.

[0012] Preferably, the steps for performing the enterprise green supply chain finance loan result feedback operation based on the enterprise green supply chain finance loan scheme information are as follows: S321. The enterprise green supply chain finance loan scheme information is transmitted to the mobile client through the Internet communication network, and the enterprise green supply chain finance loan result information is fed back to the enterprise in conjunction with the display screen. The enterprise performs the enterprise green supply chain finance loan result feedback operation. The mobile client includes any one of smartphones, smart tablets and smart wearable devices.

[0013] A multi-level green supply chain finance intelligent collaboration system based on carbon accounts is used to realize the multi-level green supply chain finance intelligent collaboration method based on carbon accounts. The system includes a green supply chain object analysis module for enterprise financial activities, a green supply chain finance strategy formulation module for enterprises, and a green supply chain finance strategy output module for enterprises. The green supply chain object analysis module for enterprise financial activities includes an enterprise financial activity characteristic information collection unit, a characteristic keyword storage unit for different financial loan application supply chain links, and an enterprise financial loan application supply chain link identification unit. The enterprise financial activity feature information collection unit collects enterprise financial activity feature information through the financial management platform; the different financial loan application supply chain link feature keyword storage unit is used to store different financial loan application supply chain link feature keywords; the enterprise financial loan application supply chain link identification unit performs specific supply chain link object identification processing based on the enterprise financial activity feature information and different financial loan application supply chain link feature keywords to obtain enterprise financial loan application supply chain link identification information. The enterprise green supply chain finance strategy formulation module includes a storage unit for the total carbon credits currently accumulated in the enterprise's supply chain links, a statistical unit for the total carbon credits of the enterprise's target supply chain links, a storage unit for preferential loan schemes for enterprise supply chain finance, and a formulation unit for enterprise supply chain finance loans. The storage unit for the current accumulated total carbon credits in the enterprise's supply chain links is used to store information on the current accumulated total carbon credits in the enterprise's supply chain links. The total carbon credit statistics unit for the enterprise's target supply chain links, based on the enterprise's financial activity characteristic information, the enterprise's financial loan application supply chain link identification information, and the current accumulated total carbon credits in the enterprise's supply chain links, performs statistical processing on the total carbon credits of the specific supply chain link objects for the enterprise's financial loan application to obtain the total carbon credits information for the enterprise's target supply chain links. The storage unit for enterprise supply chain finance loan preferential schemes is used to store information on enterprise supply chain finance loan preferential schemes. The enterprise supply chain finance loan formulation unit, based on the enterprise's financial loan application supply chain link identification information, the enterprise's target supply chain link total carbon credits information, and the enterprise supply chain finance loan preferential scheme information, performs preferential scheme formulation processing on enterprise supply chain finance loans to obtain enterprise supply chain finance loan preferential scheme formulation information. The enterprise green supply chain finance strategy output module includes an enterprise green supply chain finance loan scheme construction unit and an enterprise green supply chain finance loan result feedback unit. The enterprise green supply chain finance loan scheme construction unit constructs enterprise green supply chain finance loan scheme information based on the enterprise supply chain finance loan preferential scheme formulation information; the enterprise green supply chain finance loan result feedback unit performs enterprise green supply chain finance loan result feedback operation based on the enterprise green supply chain finance loan scheme information and in conjunction with the mobile client and display screen.

[0014] (III) Beneficial Effects This invention provides a multi-level intelligent collaborative system and method for green supply chain finance based on carbon accounts. It has the following beneficial effects: I. By efficiently and accurately acquiring the characteristic information of corporate financial activities through the financial management platform, reliable data support is provided for accurately identifying the target entities in the supply chain for corporate financial loan applications. Based on the characteristic information of corporate financial activities and combined with intelligent search algorithms and standard storage of characteristic keywords of different financial loan applications in the supply chain, the specific target entities in the supply chain for corporate financial loan applications are autonomously and efficiently identified, realizing multi-level management of supply chain finance loans based on the type of supply chain link, and improving the scientific nature of corporate supply chain finance loan management.

[0015] Second, by combining enterprise financial activity characteristic information, supply chain link identification information of enterprise financial loan applications, and intelligent identification algorithms with the current accumulated total carbon credit information of enterprise supply chain links based on big data storage, intelligent search is performed on the total carbon credit of specific supply chain links for enterprise financial loan applications. This enables intelligent and efficient retrieval of carbon credits of supply chain links for enterprise financial loan applications, achieving green management of supply chain finance loans based on supply chain link carbon credits. Furthermore, based on the enterprise financial loan application supply chain link identification information, the total carbon credit information of the enterprise's target supply chain links, and intelligent search algorithms combined with scientifically designed enterprise supply chain finance loan preferential scheme information, intelligent planning of enterprise supply chain finance loan preferential schemes is performed. This enables refined formulation of enterprise financial loan preferential schemes based on supply chain links and supply chain link carbon credits, achieving scientific management of supply chain finance loan business based on supply chain link carbon accounts, and improving the intelligence and greenness of enterprise green supply chain finance management.

[0016] Third, by scientifically and promptly constructing enterprise green supply chain finance loan scheme information based on enterprise supply chain finance loan preferential scheme formulation information and combining data processing, the system achieves efficient and secure acquisition of enterprise green supply chain finance loan scheme formulation results, ensuring the security of enterprise green supply chain finance management; based on enterprise green supply chain finance loan scheme information and combined with mobile clients and display screens, the system autonomously and accurately executes enterprise green supply chain finance loan result feedback operations, achieving efficient and visual feedback of enterprise green supply chain finance loan results, and improving the user experience of enterprise green supply chain finance management. Attached Figure Description

[0017] Figure 1 A schematic diagram of the modules of the multi-level green supply chain finance intelligent collaborative system based on carbon accounts provided by the present invention; Figure 2 The flowchart shows the intelligent collaborative method for multi-level green supply chain finance based on carbon accounts provided by this invention. Detailed Implementation

[0018] The technical solutions of the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0019] An example of the multi-level green supply chain finance intelligent collaborative system and method based on carbon accounts is as follows: Example 1: Please see Figures 1-2 A multi-level green supply chain finance intelligent collaboration method based on carbon accounts, the method includes the following steps: S1. Collect enterprise financial activity characteristic information, identify the specific supply chain link objects of enterprise financial loan application based on enterprise financial activity information, and obtain enterprise financial loan application supply chain link identification information. S2. Based on the characteristics of the enterprise's financial activities and the identification information of the supply chain links in the application of financial loans, the total carbon credit information of the specific supply chain links in the application of financial loans by the enterprise is calculated, and the total carbon credit information of the enterprise's target supply chain links is obtained; based on the identification information of the supply chain links in the application of financial loans by the enterprise and the statistical information of the total carbon credits of the supply chain links, the preferential scheme information for the enterprise's supply chain finance loans is formulated, and the preferential scheme formulation information for the enterprise's supply chain finance loans is obtained. S3. Construct information on green supply chain finance loan schemes for enterprises and perform feedback on the results of green supply chain finance loans for enterprises.

[0020] For further details, please refer to Figures 1-2 The steps for collecting characteristic information on corporate financial activities and identifying specific supply chain links in the application of corporate financial loans based on this information are as follows: S11. Collect the identity information of enterprises applying for financial loans and the characteristic text information of the application of financial loans to specific supply chain links through the financial management platform to obtain the enterprise financial activity characteristic information. The enterprise financial activity characteristic information includes the enterprise code, enterprise name, enterprise registered address and the characteristic information of the supply chain link where the enterprise applies for financial loans; the financial management platform can be any one of the Agricultural Bank of China financial management platform, China Construction Bank financial management platform, and Industrial and Commercial Bank of China financial management platform. S12. Based on the characteristic information of corporate financial activities and the characteristic keyword set of different financial loan application supply chain links, the specific supply chain link object identification processing of corporate financial loan application is carried out to obtain the corporate financial loan application supply chain link identification information.

[0021] The steps for identifying specific supply chain links in corporate financial loan applications based on enterprise financial activity characteristic information and different financial loan application supply chain characteristic keyword sets are as follows: S121. Establish a set of keywords representing the characteristics of different financial loan application supply chain links. ,in Indicates the first This document outlines the key features of different financial loan applications for various supply chain stages. These stages include product design, procurement, manufacturing, logistics, sales, and recycling. The keywords for each stage represent standard features for enterprise loan applications, tailored to different supply chain stages. These keywords encompass research and development, planning, purchasing, processing, assembly, transportation, distribution, marketing, sales, remanufacturing, and waste management. S122. The Boyer-Moore search algorithm is used to combine the enterprise's financial activity characteristic information with the keyword set of different financial loan application supply chain links. Keywords representing different financial loan applications in the supply chain By performing text character matching of supply chain links, we can search for different financial loan applications with supply chain link feature keywords that match the characteristics of the enterprise's financial activities. The corresponding supply chain link type text information is used to construct supply chain link identification information for corporate financial loan applications.

[0022] The enterprise financial activity characteristic information collection unit utilizes a financial management platform to efficiently and accurately acquire enterprise financial activity characteristic information, providing reliable data support for accurately identifying the target entities in the supply chain for enterprise financial loan applications. The storage unit for characteristic keywords of different financial loan application supply chain links and the enterprise financial loan application supply chain link identification unit work together to autonomously and efficiently identify specific supply chain link entities for enterprise financial loan applications based on enterprise financial activity characteristic information and combined with intelligent search algorithms and standard-stored characteristic keywords of different financial loan application supply chain links. This enables multi-level management of supply chain finance loans based on supply chain link type classification, improving the scientific nature of enterprise supply chain finance loan management.

[0023] For further details, please refer to Figures 1-2 Based on the characteristics of the enterprise's financial activities and the identification information of the supply chain links in the application of financial loans, the total carbon credit information of the specific supply chain links in which the enterprise applies financial loans is statistically calculated, thus obtaining the total carbon credit information of the enterprise's target supply chain links. Based on the identification information of the enterprise's financial loan application supply chain links and the statistical information of the total carbon credits of the supply chain links, the preferential scheme information for the enterprise's supply chain finance loans is formulated. The operational steps for formulating the preferential scheme information for the enterprise's supply chain finance loans are as follows: S21. Based on the enterprise financial activity characteristic information, the enterprise financial loan application supply chain link identification information and the current accumulated total carbon credit information set of the enterprise supply chain link, perform statistical processing of the total carbon credit information of the specific supply chain link object of the enterprise financial loan application to obtain the total carbon credit information of the enterprise target supply chain link. S22. Based on the enterprise financial loan application supply chain link identification information, the enterprise target supply chain link total carbon credit information and the enterprise supply chain financial loan preferential scheme information set, process the enterprise supply chain financial loan preferential scheme information to obtain enterprise supply chain financial loan preferential scheme information.

[0024] The steps for statistically processing the total carbon credit information of specific supply chain links in the enterprise's financial loan application, based on the enterprise's financial activity characteristics, supply chain link identification information, and the current accumulated total carbon credit information of the enterprise's supply chain links, are as follows: S211. Establish a collection of information on the total carbon credits currently accumulated in each link of the enterprise's supply chain. ,in Indicates the first The enterprise supply chain link feature combination type corresponds to the current accumulated total carbon credit information of the enterprise supply chain link; the enterprise supply chain link feature combination type represents an index data type mainly composed of the enterprise's identity information and the enterprise's financial loan application supply chain link object information, which is used to search for the current accumulated total carbon credit information of the specific supply chain link of the enterprise; the current accumulated total carbon credit information of the enterprise supply chain link represents the latest supply chain link carbon credit information set for different enterprises and different supply chain link objects based on the Internet platform; S212, Combine the enterprise financial activity characteristic information, the enterprise financial loan application supply chain link identification information, and the enterprise supply chain link current accumulated total carbon credit information. Information on the total carbon credits currently accumulated in the supply chain of Chinese enterprises By matching enterprise identity with text information from enterprise supply chain links, the system retrieves information on the characteristics of enterprise financial activities and the total accumulated carbon credits of the enterprise supply chain links corresponding to the enterprise's financial loan application supply chain link identification information. The data is then used to generate the total carbon credits for the enterprise's target supply chain. The specific steps for generating the total carbon credits for the enterprise's target supply chain are as follows: S2121, Algorithm iteration count initialization and ocean current simulation process; Set the maximum number of algorithm iterations as Y, and accumulate the total carbon credit information set in the current enterprise supply chain. The search space is used to simulate ocean currents and generate information on the total carbon credits currently accumulated in the enterprise supply chain. Nutrients, carbon credits in the supply chain, jellyfish search for information on the total carbon credits currently accumulated in the enterprise's supply chain. Nutrient attraction and the direction of ocean currents are determined by the average of all vectors from each carbon-integrated search jellyfish in the ocean toward the carbon-integrated search jellyfish in the optimal position. S2122. During algorithm execution, the carbon credit search jellyfish swarm in the supply chain link accumulates the total carbon credit information set of the jellyfish in the enterprise's supply chain link. They move around their own positions in the search space and search for all links in the enterprise supply chain, currently accumulating total carbon credit information. The formula for updating the corresponding position of the carbon credit search jellyfish at each link in the supply chain is as follows: ,in This indicates a carbon credit search for individual jellyfish within the supply chain. No. The next iteration will accumulate the total carbon credit information set in the enterprise supply chain. The location in the search space, This indicates a carbon credit search for individual jellyfish within the supply chain. No. The next iteration will accumulate the total carbon credit information set in the enterprise supply chain. The location in the search space, Indicates the value Random function data within the interval; and These represent the total carbon credit information set currently accumulated in each link of the enterprise's supply chain. Search the search space to find information on the total carbon credits currently accumulated in the supply chain links of enterprises that match the characteristics of their financial activities and the identification information of their financial loan applications in the supply chain. The upper and lower boundaries, This represents the kinematic system data and has a value of 0.1. S2123. During algorithm execution, carbon credit search jellyfish swarms in the supply chain link are used to search for the total carbon credit information set currently accumulated by jellyfish in the enterprise's supply chain link. Search the search space to find information on the total carbon credits currently accumulated in the supply chain links of enterprises that match the characteristics of their financial activities and the identification information of their financial loan applications in the supply chain. The required time is measured and processed using a time control formula, which is as follows: ,in Indicates the first After the next iteration, the carbon credit search jellyfish individual in the supply chain link currently accumulates the total carbon credit information set in the enterprise's supply chain link. Search the search space to find information on the total carbon credits currently accumulated in the supply chain links of enterprises that match the characteristics of their financial activities and the identification information of their financial loan applications in the supply chain. The required time, where Y represents the maximum number of iterations. Indicates the value Random function data within the interval; S2124. The algorithm execution satisfies the boundary conditions, when the carbon credit search jellyfish in the supply chain link currently accumulates the total carbon credit information set in the enterprise's supply chain link. When the bounded search area is moved out of the search space, the carbon credit search jellyfish in the supply chain links returns to the total carbon credit information set currently accumulated in the enterprise's supply chain links. In the opposite search region of the search space, the boundary conditions for the jellyfish movement in the carbon integral search of the supply chain link satisfy the following formula: ,in This indicates a carbon credit search for individual jellyfish within the supply chain. In spatial dimension The total carbon credit information set currently accumulated in the enterprise supply chain The updated position in the search space. This indicates a carbon credit search for individual jellyfish within the supply chain. In spatial dimension The total carbon credit information set currently accumulated in the enterprise supply chain The position in the search space before the update; S2125. When the algorithm reaches the maximum number of iterations, it outputs the total carbon credits currently accumulated in the enterprise's supply chain links, which match the enterprise's financial activity characteristics and the enterprise's financial loan application supply chain link identification information. ; S2126. Obtain the current accumulated total carbon credits information of the enterprise supply chain links output in step S2125. The data is then used to generate total carbon credits for the enterprise's target supply chain links. These total carbon credits represent the latest total carbon credits for the specific supply chain links for which the enterprise is applying for financial loans.

[0025] Based on the enterprise financial loan application supply chain link identification information, the enterprise's target supply chain link total carbon credit information, and the enterprise supply chain financial loan preferential scheme information set, the operation steps for formulating enterprise supply chain financial loan preferential scheme information are as follows: S221. Establish an information collection of preferential loan programs for enterprise supply chain finance. ,in Indicates the first Information on preferential loan schemes for enterprise supply chain finance corresponding to different types of carbon credits in the enterprise supply chain; the type of carbon credit in the enterprise supply chain is mainly composed of information on the enterprise's financial loan application in the supply chain and the total carbon credit information of the financial loan application in the supply chain, forming an index data type used to search for information on preferential loan schemes for enterprise supply chain finance; the information on preferential loan schemes for enterprise supply chain finance represents preferential loan schemes set for different supply chain objects and different carbon credit information in the supply chain; the information on preferential loan schemes for enterprise supply chain finance includes text information on the amount of enterprise financial loans, interest rates, loan terms, and repayment methods. S222. Employ a depth-first search algorithm to integrate information on the enterprise's supply chain segment identification for financial loan applications, the total carbon credits of the enterprise's target supply chain segment, and information on preferential supply chain financial loan schemes for the enterprise. Information on preferential supply chain finance loan programs for Chinese enterprises By matching supply chain segment types with supply chain carbon credit text information, the search retrieves information on preferential supply chain finance loan schemes corresponding to the enterprise's supply chain segment identification information and the total carbon credit information of the enterprise's target supply chain segments. The system generates information on preferential loan schemes for enterprise supply chain finance through data identification. This information represents the optimal enterprise financial loan scheme that an enterprise can apply for based on the type of supply chain link in the application of financial loans and the total carbon credits of the supply chain link in the application of financial loans.

[0026] By combining the current accumulated total carbon credits storage unit and the target total carbon credits statistics unit of the enterprise's supply chain links, and based on the characteristics of the enterprise's financial activities, the identification information of the supply chain links in the enterprise's financial loan application, and the intelligent identification algorithm combined with the current accumulated total carbon credits information of the enterprise's supply chain links based on big data storage, the system can intelligently search for the total carbon credits of specific supply chain links in the enterprise's financial loan application. This enables intelligent and efficient retrieval of the carbon credits of the supply chain links in the enterprise's financial loan application, and realizes green management of supply chain finance loans based on the carbon credits of the supply chain links. The enterprise supply chain finance loan formulation unit, based on the identification information of the supply chain links in the enterprise's financial loan application, the total carbon credits of the target supply chain links, and the intelligent search algorithm combined with scientifically set enterprise supply chain finance loan preferential scheme information, can intelligently plan enterprise supply chain finance loan preferential schemes. This enables refined formulation of enterprise financial loan preferential schemes based on the supply chain links and the carbon credits of the supply chain links, and realizes scientific management of supply chain finance loan business based on the carbon accounts of the supply chain links, thereby improving the intelligence and greenness of the enterprise's green supply chain finance management.

[0027] For further details, please refer to Figures 1-2 The operational steps for constructing enterprise green supply chain finance loan scheme information and executing the enterprise green supply chain finance loan result feedback operation are as follows: S31. The information on the formulation of preferential loan schemes for enterprise supply chain finance is constructed into green supply chain finance loan scheme information for enterprises through data identification. S32. Perform feedback on the results of green supply chain finance loans based on information on the enterprise's green supply chain finance loan program.

[0028] The operational steps for implementing the feedback process for enterprise green supply chain finance loan results based on enterprise green supply chain finance loan program information are as follows: S321. Transmit the enterprise's green supply chain finance loan plan information to the mobile client via the Internet communication network, and output the enterprise's green supply chain finance loan result information with the display screen. The enterprise performs the green supply chain finance loan result feedback operation. The mobile client includes any one of smartphones, smart tablets and smart wearable devices.

[0029] The enterprise green supply chain finance loan scheme construction unit, based on the enterprise supply chain finance loan preferential scheme formulation information and combined with data processing, scientifically and timely constructs enterprise green supply chain finance loan scheme information, achieving efficient and secure acquisition of enterprise green supply chain finance loan scheme formulation results and ensuring the security of enterprise green supply chain finance management; the enterprise green supply chain finance loan result feedback unit, based on the enterprise green supply chain finance loan scheme information and combined with mobile client and display screen, autonomously and accurately executes enterprise green supply chain finance loan result feedback operations, achieving efficient and visual feedback of enterprise green supply chain finance loan results, and improving the user experience of enterprise green supply chain finance management.

[0030] Example 2: Please see Figures 1-2 The system is a multi-level green supply chain finance intelligent collaboration system based on carbon accounts. It is used to realize the multi-level green supply chain finance intelligent collaboration method based on carbon accounts. The system includes a green supply chain object analysis module for enterprise financial activities, a green supply chain finance strategy formulation module for enterprises, and a green supply chain finance strategy output module for enterprises. The green supply chain object analysis module for corporate financial activities includes a corporate financial activity characteristic information collection unit, a characteristic keyword storage unit for different financial loan applications in the supply chain, and a corporate financial loan application in the supply chain identification unit. The system includes: a corporate financial activity feature information collection unit, which collects corporate financial activity feature information through a financial management platform; a different financial loan application supply chain link feature keyword storage unit, which stores different financial loan application supply chain link feature keywords; and a corporate financial loan application supply chain link identification unit, which performs specific supply chain link object identification processing based on corporate financial activity feature information and different financial loan application supply chain link feature keywords to obtain corporate financial loan application supply chain link identification information. The enterprise green supply chain finance strategy formulation module includes a storage unit for the total carbon credits currently accumulated in the enterprise's supply chain links, a statistical unit for the total carbon credits of the enterprise's target supply chain links, a storage unit for preferential loan schemes for enterprise supply chain finance, and a unit for formulating enterprise supply chain finance loans. The system includes: a storage unit for the total carbon credits currently accumulated in the enterprise's supply chain; a statistical unit for the total carbon credits of the enterprise's target supply chain links, which statistically processes the total carbon credits of the specific supply chain links to which the enterprise's financial loans are applied, based on the enterprise's financial activity characteristics, the identification information of the supply chain links to which the enterprise's financial loans are applied, and the information on the total carbon credits currently accumulated in the enterprise's supply chain links, to obtain the total carbon credits of the enterprise's target supply chain links; a storage unit for preferential loan schemes for enterprise supply chain finance, which stores information on preferential loan schemes for enterprise supply chain finance; and a loan formulation unit for enterprise supply chain finance, which formulates preferential loan schemes for enterprise supply chain finance based on the identification information of the supply chain links to which the enterprise's financial loans are applied, the information on the total carbon credits of the enterprise's target supply chain links, and the information on preferential loan schemes for enterprise supply chain finance, to obtain information on the formulation of preferential loan schemes for enterprise supply chain finance. The enterprise green supply chain finance strategy output module includes an enterprise green supply chain finance loan scheme construction unit and an enterprise green supply chain finance loan result feedback unit. The enterprise green supply chain finance loan scheme construction unit constructs enterprise green supply chain finance loan scheme information based on the enterprise supply chain finance loan preferential scheme formulation information; the enterprise green supply chain finance loan result feedback unit performs enterprise green supply chain finance loan result feedback operation based on the enterprise green supply chain finance loan scheme information and combined with mobile client and display screen.

[0031] Although embodiments of the invention have been shown and described, it will be understood by those skilled in the art that various changes, modifications, substitutions and alterations can be made to these embodiments without departing from the principles and spirit of the invention, the scope of which is defined by the appended claims and their equivalents.

Claims

1. A multi-level green supply chain finance intelligent collaborative method based on carbon accounts, characterized in that, The method includes the following steps: S1. Collect enterprise financial activity characteristic information, identify the specific supply chain link objects of enterprise financial loan application based on enterprise financial activity information, and obtain enterprise financial loan application supply chain link identification information. S2. Based on the financial activity characteristics of the enterprise and the financial loan application supply chain link identification information, the total carbon credit information of the specific supply chain link object of the enterprise's financial loan application is calculated, and the total carbon credit information of the enterprise's target supply chain link is obtained. Based on the enterprise's financial loan application supply chain link identification information and supply chain link total carbon credit statistics, preferential scheme information for enterprise supply chain financial loans is formulated, resulting in enterprise supply chain financial loan preferential scheme formulation information; S3. Construct information on green supply chain finance loan schemes for enterprises and perform feedback on the results of green supply chain finance loans for enterprises.

2. The intelligent collaborative method for multi-level green supply chain finance based on carbon accounts as described in claim 1, characterized in that: The operation steps of S1 are as follows: S11. Collect the identity information of enterprises applying for financial loans and the characteristic text information of the application of financial loans to specific supply chain links through the financial management platform to obtain the characteristic information of enterprise financial activities. S12. Based on the enterprise financial activity feature information and the feature keyword set of different financial loan application supply chain links, perform specific supply chain link object identification processing for enterprise financial loan applications to obtain enterprise financial loan application supply chain link identification information.

3. The intelligent collaborative method for multi-level green supply chain finance based on carbon accounts as described in claim 2, characterized in that: The operation steps of S12 are as follows: S121. Establish a set of keywords representing the characteristics of different financial loan application supply chain links. The include ;in Indicates the first Keywords representing the characteristics of different financial loan applications for various supply chain segments; S122. The Boyer-Moore search algorithm is used to combine the enterprise's financial activity feature information with the... The above Perform supply chain segment feature text character matching to search for the information that matches the enterprise's financial activity feature information. The corresponding supply chain link type text information is used to construct supply chain link identification information for corporate financial loan applications.

4. The intelligent collaborative method for multi-level green supply chain finance based on carbon accounts according to claim 3, characterized in that: The operation steps of S2 are as follows: S21. Based on the enterprise financial activity characteristic information, the enterprise financial loan application supply chain link identification information and the current accumulated total carbon credit information set of the enterprise supply chain link, perform statistical processing of the total carbon credit information of the specific supply chain link object of the enterprise financial loan application to obtain the total carbon credit information of the enterprise target supply chain link. S22. Based on the enterprise financial loan application supply chain link identification information, the enterprise target supply chain link total carbon credit information and the enterprise supply chain financial loan preferential scheme information set, perform enterprise supply chain financial loan preferential scheme information formulation processing to obtain enterprise supply chain financial loan preferential scheme formulation information.

5. The intelligent collaborative method for multi-level green supply chain finance based on carbon accounts according to claim 4, characterized in that: The operation steps of S21 are as follows: S211. Establish a collection of information on the total carbon credits currently accumulated in each link of the enterprise's supply chain. The include ;in Indicates the first Information on the total carbon credits currently accumulated in the enterprise's supply chain links corresponding to the combination of characteristics of enterprise supply chain links; S212, Combine the enterprise financial activity characteristic information, the enterprise financial loan application supply chain link identification information, and the... The above By matching enterprise identity and enterprise supply chain link text information, the corresponding information of the enterprise's financial activity characteristics and the enterprise's financial loan application supply chain link identification information is retrieved. The total carbon credits for the enterprise's target supply chain are generated through data identification. The specific steps for generating the total carbon credits for the enterprise's target supply chain are as follows: S2121, Algorithm iteration count initialization and execution of ocean current simulation process; Set the maximum number of algorithm iterations to Y, in the... Ocean current simulation is performed in the search space and the generated Nutrients, carbon credits in the supply chain, and jellyfish were mentioned. Nutrient attraction and the direction of ocean currents are determined by the average of all vectors from each carbon-integrated search jellyfish in the ocean toward the carbon-integrated search jellyfish in the optimal position. S2122, During algorithm execution, carbon-based search jellyfish swarms in the supply chain link carbon-based search jellyfish are described in... They move around their own positions in the search space and search for all of the aforementioned ; S2123, During algorithm execution, carbon score search jellyfish swarm in the supply chain link carbon score search jellyfish in the supply chain link carbon score search jellyfish in the above Search the search space to find the information that matches the enterprise's financial activity characteristics and the enterprise's financial loan application supply chain identification information. The required time is measured and processed using a time control formula; S2124. The algorithm execution satisfies the boundary conditions, when the carbon integral search jellyfish in the supply chain link is in the... When the bounded search region is moved out of the search space, the carbon integral search jellyfish in the supply chain link returns to the aforementioned... The opposite search region in the search space; S2125. When the algorithm reaches the maximum number of iterations, it outputs the information that matches the enterprise financial activity characteristic information and the enterprise financial loan application supply chain link identification information. ; S2126. The output of step S2125 The data is then used to generate total carbon credits for each link in the enterprise's target supply chain.

6. The intelligent collaborative method for multi-level green supply chain finance based on carbon accounts according to claim 5, characterized in that: The operation steps of S22 are as follows: S221. Establish an information collection of preferential loan programs for enterprise supply chain finance. The include ;in Indicates the first Information on preferential supply chain finance loan schemes for enterprises corresponding to different types of carbon credits in their supply chain links; S222. Using a depth-first search algorithm, the enterprise financial loan application supply chain link identification information, the enterprise target supply chain link total carbon credit information, and the... The above By matching supply chain segment types with supply chain carbon credit text information, the system retrieves the supply chain segment identification information for the enterprise's financial loan application and the total carbon credit information for the enterprise's target supply chain segments. The system generates enterprise supply chain finance loan preferential scheme formulation information through data identification. The enterprise supply chain finance loan preferential scheme formulation information represents the current optimal enterprise financial loan scheme that the enterprise can apply for based on the type of supply chain link in the application of financial loans and the total carbon credits of the supply chain link in the application of financial loans.

7. The intelligent collaborative method for multi-level green supply chain finance based on carbon accounts as described in claim 6, characterized in that: The operation steps of S3 are as follows: S31. The information on the enterprise supply chain finance loan preferential scheme is used to construct the enterprise green supply chain finance loan scheme information through data identification. S32. Based on the enterprise green supply chain finance loan scheme information, perform the enterprise green supply chain finance loan result feedback operation.

8. The intelligent collaborative method for multi-level green supply chain finance based on carbon accounts as described in claim 7, characterized in that: The operation steps of S32 are as follows: S321. The enterprise green supply chain finance loan scheme information is transmitted to the mobile client through the Internet communication network, and the enterprise green supply chain finance loan result information is fed back to the enterprise through the display screen. The enterprise performs the enterprise green supply chain finance loan result feedback operation.

9. A multi-level green supply chain finance intelligent collaborative system based on carbon accounts, used to implement the multi-level green supply chain finance intelligent collaborative method based on carbon accounts as described in any one of claims 1-8, characterized in that: The system includes a module for analyzing green supply chain applications in corporate financial activities, a module for formulating corporate green supply chain finance strategies, and a module for outputting corporate green supply chain finance strategies.

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