CN107730376A - A kind of guarantee chain based on financing assurance platform - Google Patents
A kind of guarantee chain based on financing assurance platform Download PDFInfo
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- CN107730376A CN107730376A CN201710846374.9A CN201710846374A CN107730376A CN 107730376 A CN107730376 A CN 107730376A CN 201710846374 A CN201710846374 A CN 201710846374A CN 107730376 A CN107730376 A CN 107730376A
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- G—PHYSICS
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- 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
- G06Q40/03—Credit; Loans; Processing thereof
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- 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
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Abstract
The invention discloses a kind of guarantee chain based on financing assurance platform, including application module, financial analysis module, customer inquiries module, credit approval module, server and database；The customer inquiries module includes reference and verifies unit, law works verification unit, industrial and commercial verification unit and on-site verification unit；The credit approval module includes internal rating unit, amount examination ＆ approval unit and credit history unit；The application module is connected with server；The financial analysis module, customer inquiries module, database and credit approval module are connected with server.The present invention can carry out comprehensive and effective verification by the setting of customer inquiries module and financial analysis module to customer information；Pass through the setting of internal rating unit and credit history unit so that amount examination ＆ approval unit can make a rational amount examination ＆ approval according to the class information of the conventional credit history of client and client to client；The present invention is simple to operate, convenient and swift.
Description
Technical field
The invention belongs to the field of assuring, it is related to a kind of financing assurance platform, it is specifically a kind of based on financing assurance platform
Guarantee chain.
Background technology
Financing assurance is one of most important kind in guarantee business, is needed with the development of commercial credit, financial credit
Will and guarantee object financing needs and a kind of caused credit intermediary behavior.Credit Security Institutions in Guangdong Province includes bank by intervention and existed
Interior financial institution, enterprise or personal these funds lending side and predominantly between the credit requirement side of enterprises and individuals, as
Third party ensures the offer of artificial debt direction credits side, and credit underwriting --- the performance of the contract of liabilities for guarantee side or other class funds are about
Fixed responsibilities and obligations.
In its business nature, financing assurance has finance characteristic and intermediary double attribute, belongs to a kind of special finance
Intermediary sevices；It provides financing assurance clothes by using the third party's credit of itself for fund supply and credit requirement side both sides
Business, promote the completion of both sides' transaction with this.In financing assurance business procedure is carried out, Credit Security Institutions in Guangdong Province will complete both sides
Work：On the one hand, it is credit evaluation to credit requirement side；On the other hand it is to provide itself credibility certificate to fund supply side,
It is obtained to itself credit assurance qualification and the accreditation of contractual capacity.Guarantee platform on current market is relatively more, but mostly
Do not accomplish that intellectuality goes the qualification to applicant to make judge；To solve drawbacks described above, a kind of scheme is now provided.
The content of the invention
It is an object of the invention to provide a kind of guarantee chain based on financing assurance platform.
The purpose of the present invention can be achieved through the following technical solutions：
A kind of guarantee chain based on financing assurance platform, including application module, financial analysis module, customer inquiries mould
Block, credit approval module, server and database；
The customer inquiries module includes reference and verifies unit, law works verification unit, industrial and commercial verification unit and on-site verification
Unit；The credit approval module includes internal rating unit, amount examination ＆ approval unit and credit history unit；
Wherein, the application module is connected with server；
Wherein, the financial analysis module, customer inquiries module, database and credit approval module with server phase
Connection.
Further, the application unit is used for client's application guarantee and uploads guarantee information；The application unit is used for
Guarantee information is passed through into server transport to customer inquiries module and database.
Further, the reference verifies unit and is used to verify the credit information for applying for client and passes through clothes by result is verified
Business device is transferred to internal rating unit.
Further, the law works verifies unit and is used to verify the law works information for applying for user and passes through clothes by result is verified
Business device is transferred to internal rating unit.
Further, the industrial and commercial unit of verifying is used to verify the industrial and commercial information for applying for user and passes through clothes by result is verified
Business device is transferred to internal rating unit.
Further, the on-site verification unit is used for the live guarantee information for going to verify user's application guarantee and will verification
As a result server transport to internal rating unit is passed through.
Further, the financial analysis module is entered for information such as the financial statement to applying for user, fund measure and calculate tables
Row is verified and is transferred to internal rating unit by result is verified.
Further, the internal rating unit is used to receive the credit check result that reference verifies unit transmission；It is described
The law works that internal rating unit is used to receive the member transmission of law works check list verifies result；The internal rating unit is used to receive work
Business verifies the industrial and commercial information verification result of unit；The internal rating unit is used for the verification result for receiving on-site verification unit；
The internal rating unit be used for according to customer inquiries module transfer come every terms of information user is graded automatically and incite somebody to action etc.
Level information transfer examines unit to amount.
Further, the amount examination ＆ approval unit is used for the class information and credit history for combining the transmission of internal rating unit
The customer historical credit information of unit carries out amount examination ＆ approval to client automatically；The amount examination ＆ approval unit, which is used to examine amount, to be believed
Breath is transferred to credit history unit as credit historical storage.
Further, the credit history unit is used to store the credit information of client and is supplied to amount examination ＆ approval unit to enter
Row inquiry.
Beneficial effects of the present invention：The present invention can be to client by the setting of customer inquiries module and financial analysis module
Information carries out comprehensive and effective verification；Pass through the setting of internal rating unit and credit history unit so that amount is examined
Unit can make a rational amount examination ＆ approval according to the class information of the conventional credit history of client and client to client；This hair
It is bright that the qualification to applicant intelligentized can be gone to make judge, so as to provide a rational examination ＆ approval amount；Present invention operation
Simply, it is convenient and swift.
Brief description of the drawings
For the ease of it will be appreciated by those skilled in the art that the present invention is further illustrated below in conjunction with the accompanying drawings.
Fig. 1 is the system block diagram of the present invention.
Embodiment
As shown in figure 1, a kind of guarantee chain based on financing assurance platform, including application module, financial analysis module, visitor
Family enquiry module, credit approval module, server and database；
The customer inquiries module includes reference and verifies unit, law works verification unit, industrial and commercial verification unit and on-site verification
Unit；The credit approval module includes internal rating unit, amount examination ＆ approval unit and credit history unit；
Wherein, the application module is connected with server；
Wherein, the financial analysis module, customer inquiries module, database and credit approval module with server phase
Connection.
The application unit is used for client and applies assuring and uploading guarantee information；The application unit is used to that information will to be assured
Pass through server transport to customer inquiries module and database.
The reference verifies unit and is used to verify the credit information for applying for client and passes through server transport by result is verified
To internal rating unit.
The law works verifies unit and is used to verify the law works information for applying for user and passes through server transport by result is verified
To internal rating unit.
The industrial and commercial unit of verifying is used to verify the industrial and commercial information for applying for user and passes through server transport by result is verified
To internal rating unit.
The on-site verification unit is used for scene and goes to verify the guarantee information of user's application guarantee and pass through result is verified
Server transport is to internal rating unit.
The financial analysis module be used for apply the information such as the financial statement of user, fund measure and calculate table verified and incite somebody to action
Verify result and be transferred to internal rating unit.
The internal rating unit is used to receive the credit check result that reference verifies unit transmission；The internal rating list
The law works that member is used to receive the member transmission of law works check list verifies result；The internal rating unit is used to receive industrial and commercial verification unit
Industrial and commercial information verification result；The internal rating unit is used for the verification result for receiving on-site verification unit；The client comments
Level unit is used to automatically grade to user according to the every terms of information that customer inquiries module transfer comes and transmit class information
Unit is examined to amount.
The amount examination ＆ approval unit is used for class information and the visitor of credit history unit for combining the transmission of internal rating unit
History credit information in family carries out amount examination ＆ approval to client automatically；The amount examination ＆ approval unit is used to amount approval information being transferred to
Credit history unit is as credit historical storage.
The credit history unit is used to store the credit information of client and is supplied to amount examination ＆ approval unit to be inquired about.
A kind of guarantee chain based on financing assurance platform at work, passes through a series of analysis moulds of customer inquiries module
The analysis of block and financial analysis module, the information and comprehensive strength of client are verified and then by internal rating unit
Client is graded, amount examination ＆ approval unit is examined in conjunction with amount progress one of the credit history unit to client is rational afterwards
Batch, while examination ＆ approval amount is transferred to credit history unit and stores the inquiry in case later；The present invention passes through customer inquiries module
Setting with financial analysis module can carry out comprehensive and effective verification to customer information；By internal rating unit and award
Believe the setting of history unit so that amount examination ＆ approval unit can be according to the class information of the conventional credit history of client and client to visitor
Make a rational amount examination ＆ approval in family；The present invention intelligentized can go the qualification to applicant to make judge, so as to provide
One rational examination ＆ approval amount；The present invention is simple to operate, convenient and swift.
Above content is only to structure example of the present invention and explanation, affiliated those skilled in the art couple
Described specific embodiment is made various modifications or supplement or substituted using similar mode, without departing from invention
Structure surmounts scope defined in the claims, all should belong to protection scope of the present invention.
Claims (10)
1. a kind of guarantee chain based on financing assurance platform, it is characterised in that including application module, financial analysis module, visitor
Family enquiry module, credit approval module, server and database；
The customer inquiries module includes reference and verifies unit, law works verification unit, industrial and commercial verification unit and on-site verification unit；
The credit approval module includes internal rating unit, amount examination ＆ approval unit and credit history unit；
Wherein, the application module is connected with server；
Wherein, the financial analysis module, customer inquiries module, database and credit approval module are connected with server.
A kind of 2. guarantee chain based on financing assurance platform according to claim 1, it is characterised in that the request slip
Member is used for client and applies assuring and uploading guarantee information；The application unit is used to guarantee information passing through server transport to visitor
Family enquiry module and database.
A kind of 3. guarantee chain based on financing assurance platform according to claim 1, it is characterised in that the reference core
Verification certificate member is used for the credit information for verifying application client and passes through server transport to internal rating unit by result is verified.
A kind of 4. guarantee chain based on financing assurance platform according to claim 1, it is characterised in that the law works core
Verification certificate member is used for the law works information for verifying application user and passes through server transport to internal rating unit by result is verified.
A kind of 5. guarantee chain based on financing assurance platform according to claim 1, it is characterised in that the industrial and commercial core
Verification certificate member is used for the industrial and commercial information for verifying application user and passes through server transport to internal rating unit by result is verified.
A kind of 6. guarantee chain based on financing assurance platform according to claim 1, it is characterised in that the live core
Verification certificate member is used for scene and goes to verify the guarantee information of user's application guarantee and commented result is verified by server transport to client
Level unit.
A kind of 7. guarantee chain based on financing assurance platform according to claim 1, it is characterised in that the finance point
Analysis module is used for the information such as the financial statement to application user, fund measure and calculate table and is verified and be transferred to client by result is verified
Grading unit.
8. a kind of guarantee chain based on financing assurance platform according to claim 1, it is characterised in that the client comments
Level unit is used to receive the credit check result that reference verifies unit transmission；The internal rating unit is used to receive law works verification
The law works of unit transmission verifies result；The internal rating unit is used to receive the industrial and commercial industrial and commercial information verification knot for verifying unit
Fruit；The internal rating unit is used for the verification result for receiving on-site verification unit；The internal rating unit is used for according to visitor
The every terms of information that family enquiry module transmission comes is graded to user and class information is transferred into amount examination ＆ approval unit automatically.
9. a kind of guarantee chain based on financing assurance platform according to claim 1, it is characterised in that the amount is examined
It is automatic for the class information with reference to the transmission of internal rating unit and the customer historical credit information of credit history unit to criticize unit
Amount examination ＆ approval are carried out to client；Amount examination ＆ approval unit is used to amount approval information being transferred to credit history unit as awarding
Believe historical storage.
A kind of 10. guarantee chain based on financing assurance platform according to claim 1, it is characterised in that the credit
History unit is used to store the credit information of client and is supplied to amount examination ＆ approval unit to be inquired about.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710846374.9A CN107730376A (en) | 2017-09-19 | 2017-09-19 | A kind of guarantee chain based on financing assurance platform |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710846374.9A CN107730376A (en) | 2017-09-19 | 2017-09-19 | A kind of guarantee chain based on financing assurance platform |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107730376A true CN107730376A (en) | 2018-02-23 |
Family
ID=61207175
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710846374.9A Pending CN107730376A (en) | 2017-09-19 | 2017-09-19 | A kind of guarantee chain based on financing assurance platform |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107730376A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109461071A (en) * | 2018-11-01 | 2019-03-12 | 山西百得科技开发股份有限公司 | Agricultural credit financing assurance business management system |
| CN110390590A (en) * | 2019-07-29 | 2019-10-29 | 曹洪 | A kind of network-based financing by credit big data air control management method |
| CN111199389A (en) * | 2019-12-27 | 2020-05-26 | 安徽科讯金服科技有限公司 | Entrepreneurship guarantee loan online system based on government affair big data |
| CN112801772A (en) * | 2021-01-11 | 2021-05-14 | 深圳乐信软件技术有限公司 | Credit granting method, credit granting processing system, electronic device and storage medium |
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| CN102005018A (en) * | 2010-12-13 | 2011-04-06 | 苏州德融嘉信信用管理技术有限公司 | Credit limit management system |
| CN102044046A (en) * | 2010-12-13 | 2011-05-04 | 苏州德融嘉信信用管理技术有限公司 | Overall line management method based on credit line management system |
| CN102063687A (en) * | 2010-12-13 | 2011-05-18 | 苏州德融嘉信信用管理技术有限公司 | Credit business processing method based on credit business levying system |
| CN102096855A (en) * | 2010-12-13 | 2011-06-15 | 苏州德融嘉信信用管理技术有限公司 | Method for business processing before credit granting based on credit checking and granting business system |
| CN102096886A (en) * | 2010-12-13 | 2011-06-15 | 苏州德融嘉信信用管理技术有限公司 | Credit levying business system |
| CN104361463A (en) * | 2014-11-21 | 2015-02-18 | 上海财安金融服务股份有限公司 | Small and medium-sized enterprise network financing system and method |
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2017
- 2017-09-19 CN CN201710846374.9A patent/CN107730376A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102005018A (en) * | 2010-12-13 | 2011-04-06 | 苏州德融嘉信信用管理技术有限公司 | Credit limit management system |
| CN102044046A (en) * | 2010-12-13 | 2011-05-04 | 苏州德融嘉信信用管理技术有限公司 | Overall line management method based on credit line management system |
| CN102063687A (en) * | 2010-12-13 | 2011-05-18 | 苏州德融嘉信信用管理技术有限公司 | Credit business processing method based on credit business levying system |
| CN102096855A (en) * | 2010-12-13 | 2011-06-15 | 苏州德融嘉信信用管理技术有限公司 | Method for business processing before credit granting based on credit checking and granting business system |
| CN102096886A (en) * | 2010-12-13 | 2011-06-15 | 苏州德融嘉信信用管理技术有限公司 | Credit levying business system |
| CN104361463A (en) * | 2014-11-21 | 2015-02-18 | 上海财安金融服务股份有限公司 | Small and medium-sized enterprise network financing system and method |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109461071A (en) * | 2018-11-01 | 2019-03-12 | 山西百得科技开发股份有限公司 | Agricultural credit financing assurance business management system |
| CN110390590A (en) * | 2019-07-29 | 2019-10-29 | 曹洪 | A kind of network-based financing by credit big data air control management method |
| CN111199389A (en) * | 2019-12-27 | 2020-05-26 | 安徽科讯金服科技有限公司 | Entrepreneurship guarantee loan online system based on government affair big data |
| CN112801772A (en) * | 2021-01-11 | 2021-05-14 | 深圳乐信软件技术有限公司 | Credit granting method, credit granting processing system, electronic device and storage medium |
| CN112801772B (en) * | 2021-01-11 | 2024-03-19 | 深圳乐信软件技术有限公司 | Trusted method, trusted processing system, electronic equipment and storage medium |
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| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20180223 |
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