CN107689003A - A kind of risk management system of business factoring - Google Patents
A kind of risk management system of business factoring Download PDFInfo
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- CN107689003A CN107689003A CN201711019812.0A CN201711019812A CN107689003A CN 107689003 A CN107689003 A CN 107689003A CN 201711019812 A CN201711019812 A CN 201711019812A CN 107689003 A CN107689003 A CN 107689003A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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Abstract
The invention discloses a kind of risk management system of business factoring, belong to financial field, solve the problems, such as financial risks management and control in factoring using intelligentized system, including：Financing module, auditing module, module of grading, described grading module is used to grade to financing information and company information, and forms corresponding fraction or rank；Competitive bidding module, described competitive bidding module are used to be shown financing information and company information in cloud transaction platform, and can be used in factoring business and carry out inputting interest competitive bidding；Conclusion of the business module, conclusion of the business module is used for financier and the competitive bidding result of factoring business strikes a bargain；Fund trustship module, described fund trustship module are used to supervise factoring business's fund；Make loans module, described module of making loans is used to financing fund being transferred in the account of financier.
Description
Technical field
The present invention relates to financial risk management field, a kind of specifically risk management system of business factoring.
Background technology
Existing factoring platform is to meet single positive factoring or reverse factoring function, and is each bank and each non-silver
The financial institutions such as row financial institution individually develop, and without standard product, can not dock third party's data, a factoring financing
Transmitted between parties by document made of paper, each side in the independent typing system of oneself, takes time and effort, and easily operate again
Mistake, each side's independent operation, it is impossible to effective fraud prevention risk, it is artificial to participate in excessively causing operational risk occur.
Simultaneously, it is necessary to manually qualitatively be evaluated, such as finance of inquiry financing enterprise among the process of risk management
Information, negative report etc., and existing pressure test is also individually to carry out, and does not combine specific financing review operations.
The content of the invention
It is an object of the invention to：For above-mentioned problem, there is provided a kind of risk management system of business factoring, its
It is characterised by, including：
Financing module, described financing module are used for financier and submit financing information and company information, institute；
Auditing module, described financing module send financing information and company information to auditing module, described auditing module
It is deep for being carried out to the authenticity of financing information and company information, and by the result audited after passing through send to grading module or
The deep result not passed through is returned to financing module by person；
Grading module, described grading module is used to grade to financing information and company information, and forms corresponding fraction
Or rank；
Competitive bidding module, described competitive bidding module be used for financing information and company information are shown in cloud transaction platform, and
It can be used in factoring business to carry out inputting interest competitive bidding；
Conclusion of the business module, conclusion of the business module is used for financier and the competitive bidding result of factoring business strikes a bargain；
Fund trustship module, described fund trustship module are used to supervise factoring business's fund；
Make loans module, described module of making loans is used to financing fund being transferred in the account of financier.
As an improvement, described financing module includes terminal, described terminal is mobile terminal, and described mobile terminal is used
Information is inputted in financier and receives the information of cloud transaction platform.
As an improvement, described auditing module includes third party's service module, described third party's service module includes bag
Industrial and commercial enterprises' database is included, described examination module is transferred company information in industrial and commercial enterprises' database according to financing information, gone forward side by side
Row contrast, examine the authenticity of financing information.
As an improvement, described third party's service module includes reference module, reference module connects with Central Bank system, institute
Company information is passed to reference module by the risk control module stated, and reference module transfers corresponding reference letter from Central Bank's system
Breath.
As an improvement, described competitive bidding module includes grading display unit, the enterprise for showing financing enterprise information
Information unit, for showing that the financing information of financing information is shown.
As an improvement, described conclusion of the business module is connected with the interest calculating mould that optimal interest is calculated on each factoring
Block, described optimal interest are calculated according to rating result, the core enterprise's information of financing information, and factoring business is according to interest meter
The reference input competitive bidding interest of result is calculated, cloud transaction system carries out order matching according to competitive bidding interest, and is shown as knot fruit.
As an improvement, described interest computing module is connected with pressure test module, described pressure test module includes
Rate of violation pressure test module, market rate pressure test module, core enterprise's bankruptcy pressure test, described pressure test mould
Block is connected with the database of factoring business.
As an improvement, described conclusion of the business module is connected with risk management and control module, risk management and control module is according to pressure test knot
Fruit carries out risk management and control adjustment..
In summary, by adopting the above-described technical solution, the beneficial effects of the invention are as follows：
The third-party cloud transaction platform that the present invention uses, and risk management system is provided with cloud transaction platform, to operation
Financial risks such as risk, liquidity risk etc. carry out intelligent management, and provided with conclusion of the business system of bidding, minimum reduction financing enterprise
The finance costs of industry, the business risk for reducing factoring business.In existing technology, interest rate is by being carried out to financing risk
Assess and determine, do not include the change of financing overall risk caused by whole factoring business, by being that single is financed
Influence of the information to factoring business's overall risk is difficult to fast and accurately measure, and the system introduces pressure testing system, can be quick
Carry out single financing after pressure test, identification single financing to entirety venture influence change, and then interest rate determine when
Wait plus this compensation interest rate to overall risk increase, and drop that can be appropriate in the benchmark interest determined according to single risk
It is low, employee's cost and the financing cycle of enterprise are so greatly reducing, improves risk control capability.
Brief description of the drawings
Fig. 1 is the structural representation of the present invention.
Embodiment
Below in conjunction with the accompanying drawings, the present invention is described in detail.
In order to make the purpose , technical scheme and advantage of the present invention be clearer, it is right below in conjunction with drawings and Examples
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
Specific embodiment 1：A kind of risk management system of business factoring, it is characterised in that including：
Financing module, described financing module are used for financier and submit financing information and company information, institute；
Auditing module, described financing module send financing information and company information to auditing module, described auditing module
It is deep for being carried out to the authenticity of financing information and company information, and by the result audited after passing through send to grading module or
The deep result not passed through is returned to financing module by person；
Grading module, described grading module is used to grade to financing information and company information, and forms corresponding fraction
Or rank；
Competitive bidding module, described competitive bidding module be used for financing information and company information are shown in cloud transaction platform, and
It can be used in factoring business to carry out inputting interest competitive bidding；
Conclusion of the business module, conclusion of the business module is used for financier and the competitive bidding result of factoring business strikes a bargain；
Fund trustship module, described fund trustship module are used to supervise factoring business's fund；
Make loans module, described module of making loans is used to financing fund being transferred in the account of financier.
Financing module includes terminal, and described terminal is mobile terminal, and described mobile terminal is used for financier and inputs letter
Cease and receive the information of cloud transaction platform.
Auditing module includes third party's service module, and described third party's service module includes industrial and commercial enterprises' data
Storehouse, described examination module transfers company information according to financing information in industrial and commercial enterprises' database, and is contrasted, and examines financing
The authenticity of information.Third party's service module includes reference module, and reference module connects with Central Bank system, described risk control
Company information is passed to reference module by molding block, and reference module transfers corresponding reference information from Central Bank's system.
Competitive bidding module includes grading display unit, the company information unit for showing financing enterprise information, for showing
Show that the financing information of financing information is shown.
Conclusion of the business module is connected with the interest computing module that optimal interest is calculated on each factoring, described optimal interest
Calculated according to the rating result of financing information, core enterprise's information, factoring business is according to the reference input of interest result of calculation
Competitive bidding interest, cloud transaction system carries out order matching according to competitive bidding interest, and is shown as knot fruit.Described interest computing module
Pressure test module is connected with, described pressure test module includes rate of violation pressure test module, market rate pressure test
Module, core enterprise's bankruptcy pressure test, described pressure test module are connected with the database of factoring business.Described conclusion of the business mould
Block is connected with risk management and control module, and risk management and control module carries out risk management and control adjustment according to pressure testing results.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all essences in the present invention
All any modification, equivalent and improvement made within refreshing and principle etc., should be included in the scope of the protection.
Claims (7)
- A kind of 1. risk management system of business factoring, it is characterised in that including：Financing module, described financing module are used for financier and submit financing information and company information, institute；Auditing module, described financing module send financing information and company information to auditing module, described auditing module It is deep for being carried out to the authenticity of financing information and company information, and by the result audited after passing through send to grading module or The deep result not passed through is returned to financing module by person；Grading module, described grading module is used to grade to financing information and company information, and forms corresponding fraction Or rank；Competitive bidding module, described competitive bidding module be used for financing information and company information are shown in cloud transaction platform, and It can be used in factoring business to carry out inputting interest competitive bidding；Conclusion of the business module, conclusion of the business module is used for financier and the competitive bidding result of factoring business strikes a bargain；Described conclusion of the business module is connected with wind Dangerous management and control module, risk management and control module carry out risk management and control adjustment according to pressure testing results；Fund trustship module, described fund trustship module are used to supervise factoring business's fund；Make loans module, described module of making loans is used to financing fund being transferred in the account of financier.
- 2. the risk management system of business factoring according to claim 1, it is characterised in that described financing module includes Terminal, described terminal are mobile terminal, and described mobile terminal is used for financier and inputs information and receive cloud transaction platform Information.
- 3. the risk management system of business factoring according to claim 2, it is characterised in that described auditing module includes Third party's service module, described third party's service module include industrial and commercial enterprises' database, described examination module according to Financing information transfers company information in industrial and commercial enterprises' database, and is contrasted, and examines the authenticity of financing information.
- 4. the risk management system of business factoring according to claim 3, it is characterised in that described third party's service mould Block includes reference module, and reference module is connected with Central Bank system, and company information is passed to sign by described risk control module Believe module, reference module transfers corresponding reference information from Central Bank's system.
- 5. the risk management system of business factoring according to claim 4, it is characterised in that described competitive bidding module includes There are grading display unit, the company information unit for showing financing enterprise information, the financing information for showing financing information Display.
- 6. the risk management system of business factoring according to claim 5, it is characterised in that described conclusion of the business module connection There is an interest computing module that optimal interest is calculated on each factoring, described optimal interest is according to the grading knot of financing information Fruit, core enterprise's information are calculated, and factoring business is according to the reference input competitive bidding interest of interest result of calculation, cloud transaction system root Order matching is carried out according to competitive bidding interest, and is shown as knot fruit.
- 7. the risk management system of business factoring according to claim 6, it is characterised in that described interest computing module Pressure test module is connected with, described pressure test module includes rate of violation pressure test module, market rate pressure test Module, core enterprise's bankruptcy pressure test, described pressure test module are connected with the database of factoring business.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711019812.0A CN107689003A (en) | 2017-10-27 | 2017-10-27 | A kind of risk management system of business factoring |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711019812.0A CN107689003A (en) | 2017-10-27 | 2017-10-27 | A kind of risk management system of business factoring |
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| Publication Number | Publication Date |
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| CN107689003A true CN107689003A (en) | 2018-02-13 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201711019812.0A Withdrawn CN107689003A (en) | 2017-10-27 | 2017-10-27 | A kind of risk management system of business factoring |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108550081A (en) * | 2018-04-13 | 2018-09-18 | 天逸财金科技服务（武汉）有限公司 | A kind of business factoring Information Exchange System and method |
| CN109858757A (en) * | 2018-12-28 | 2019-06-07 | 合肥凯捷技术有限公司 | A kind of Financial Lease Risks rating system |
-
2017
- 2017-10-27 CN CN201711019812.0A patent/CN107689003A/en not_active Withdrawn
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108550081A (en) * | 2018-04-13 | 2018-09-18 | 天逸财金科技服务（武汉）有限公司 | A kind of business factoring Information Exchange System and method |
| CN109858757A (en) * | 2018-12-28 | 2019-06-07 | 合肥凯捷技术有限公司 | A kind of Financial Lease Risks rating system |
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Application publication date: 20180213 |