Financing evaluation condition generation system based on historical data of account receivable / payable of supplier and method thereof

Abstract

A financing evaluation condition generation system based on historical data of account receivable / payable of supplier and a method thereof are provided. Supplier account receivable / payable information is provided to a financing service platform from an enterprise client. Financial transaction history data which are correspondence with supplier identification data are received by the financing service platform from a bank server. Payment behavior which is correspondence with supplier identification data is analyzed by the financing service platform according to the financial transaction history data to generate to payment behavior trend and frequency of behavior. Supplier account receivable / payable information are estimated payment behavior based on payment behavior trends and the frequency of different payment behaviors to generate estimated payment behavior probability. Basic information of the company and supplier account receivable / payable information are evaluated financing conditions to generate initial financing conditions. Initial financing conditions are adjusted according to estimated payment behavior probability to generate to financing assessment conditions. Therefore, the efficiency of financing evaluation condition generation system based on historical data of account receivable / payable of supplier may be achieved.

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