CN110827141A - Supply chain financial stock pledge management system and method - Google Patents
Supply chain financial stock pledge management system and method Download PDFInfo
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- CN110827141A CN110827141A CN201911072264.7A CN201911072264A CN110827141A CN 110827141 A CN110827141 A CN 110827141A CN 201911072264 A CN201911072264 A CN 201911072264A CN 110827141 A CN110827141 A CN 110827141A
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Abstract
The application discloses supply chain financial stock pledge management system includes: the system comprises a client, a credit management system, a warehouse management system, an escort value evaluation system and a financial terminal; a user sends a financing request instruction to a credit management system based on a client, wherein the financing request instruction comprises financing amount; the loan management system calculates the real-time goods value of the escort of the user according to the escort inventory information of the user returned by the warehouse management system and the escort value information returned by the escort value evaluation system; if the first amount obtained by subtracting the preset risk exposure from the escort real-time goods value of the user is larger than the financing amount, the loan management system approves the financing request instruction and sends a deposit instruction to the financial terminal; the credit management system sends a pledge marking instruction to the warehouse management system, and the pledge marking instruction is used for enabling the warehouse management system to mark pledges, so that the technical problems of complex approval process and low dynamic flexibility of the system are solved.
Description
Technical Field
The application relates to the technical field of supply chains, in particular to a supply chain financial stock pledge management system and a supply chain financial stock pledge management method.
Background
At present, the economic development of China enters a kinetic energy conversion period, the economic speed increase is slow, and the market demand is insufficient. Supply chain finance is an effective means for effectively solving the problems of difficult financing, expensive financing and the like of small and medium-sized enterprises, helping core enterprises and financial institutions to develop markets, realizing differentiated competition, improving capital efficiency and reducing risks, and is a requirement for industrial transformation and upgrading. Meanwhile, in the internet mode, the great improvement of the supply chain financial service efficiency needs to be realized by depending on the application innovation of financial technology.
The supply chain financial information system is established to realize the functions of real-time information transmission, reduction of human intervention, early warning and the like, and reduce the supervision cost and risk of a sponsor.
In the popular supply chain financial business, more focus is on controlling the risk on controlling the fund, namely, supervising the refund by setting up a supervising account. The security article is also mostly realized by various bills and tickets in the aspect of supervision. The existing supply chain financial system is seemingly provided with a physical pledge, has very low risk, but also has many risk points such as counterfeit warehouse notes, counterfeit goods, repeated pledges, inaccurate goods pledge price, lagging information and the like, so that the technical problems of complex approval process and low dynamic flexibility of the system are caused.
Disclosure of Invention
The embodiment of the application provides a supply chain financial stock pledge management system and a method, which solve the technical problems that the existing supply chain financial system is seemingly provided with a physical pledge and has very low risk, but has many risk points such as bill counterfeiting, goods counterfeiting, repeated pledge, inaccurate goods pledge price, lagging information and the like, so that the approval process is complex, and the dynamic flexibility of the system is low.
In view of the above, the present application provides in a first aspect a supply chain financial inventory pledge management system, the system comprising:
the system comprises a client, a credit management system, a warehouse management system, an escort value evaluation system and a financial terminal;
the user sends a financing request instruction to the credit management system based on the client, wherein the financing request instruction comprises financing amount;
the loan management system calculates the real-time goods value of the collateral of the user according to the collateral inventory information of the user returned by the warehouse management system and the collateral value information returned by the collateral value evaluation system;
if the first amount obtained by subtracting the preset risk exposure of the user from the escort real-time goods value of the user is larger than the financing amount, the management system in the loan approves the financing request instruction and sends a loan instruction to the financial terminal;
and the credit management system sends a pledge marking instruction to the warehouse management system, wherein the pledge marking instruction is used for enabling the warehouse management system to mark pledges.
Optionally, a pre-loan assessment system is also included;
and the pre-credit evaluation system determines the financing amount of the user according to the operation condition and the credit information of the user.
Optionally, after the loan management system approves the financing request instruction and sends a deposit instruction to the financial terminal, the method further includes:
and the credit management system determines the available financing amount of the user according to the financing amount of the user and the financing amount sent by the pre-credit evaluation system.
Optionally, after the loan management system approves the financing request instruction and sends a deposit instruction to the financial terminal, the method further includes:
the loan management system sends a real-time escort inventory information acquisition instruction to the warehouse management system according to a preset time interval, wherein the real-time escort inventory information acquisition instruction is used for instructing the warehouse management system to send the real-time escort inventory information of the user;
the loan management system calculates the real-time escort value of the user according to the real-time escort inventory information of the user and the escort value information returned by the escort value evaluation system;
and if the real-time escort value of the user is lower than the preset risk exposure of the user, the loan management system sends early warning information to the financial terminal.
Optionally, the method further comprises:
the user sends a first commodity ex-warehouse request to the warehouse management system based on the client, wherein the first commodity ex-warehouse request carries ex-warehouse commodity information;
if the user commodity has a pledge mark, the warehouse management system sends a second commodity ex-warehouse request to the loan management system;
the loan management system calculates the real-time escort goods value and the ex-warehouse goods value of the user according to the real-time escort inventory information of the user, the ex-warehouse goods information and the escort value information returned by the escort value evaluation system;
and if the real-time escorting goods value of the user minus the goods value of the goods delivered from the warehouse of the user is higher than the preset risk exposure of the user, the management system in credit delivers the second goods delivery request and returns a delivery instruction to the warehouse management system, otherwise, the second goods delivery request is rejected.
Optionally, the method further comprises:
the user sends a repayment request to the credit management system based on the client, wherein the repayment request carries a repayment amount;
the loan management system calculates the repayment amount of the user and releases the available financing amount of the user according to the repayment amount;
and if the repayment amount of the user is equal to the real-time financing amount of the user, the credit management system sends a pledge canceling instruction to the warehouse management system, and the pledge canceling instruction is used for enabling the warehouse management system to cancel pledge marks of pledges of the user.
Optionally, before the user sends a financing request instruction to the credit management system based on the client, the method further includes:
the warehouse management system synchronizes the commodity information of the user to the loan management system;
the loan management system acquires the commodity classification information sent by the escort value evaluation system, wherein the commodity classification information comprises a preset escort admission category;
the loan management system determines the escort of the user according to the commodity classification information and the commodity information of the user and creates escort inventory information of the user;
and the loan management system sends the information of the escorting inventory of the user to the warehouse management system.
A second aspect of the present application provides a method of supply chain financial inventory pledge management, the method comprising:
calculating the real-time goods value of the escorting of the user according to the escorting inventory information of the user returned by the warehouse management system and the escorting value information returned by the escorting value evaluation system;
if the first amount obtained by subtracting the preset risk exposure of the user from the escort real-time goods value of the user is larger than the financing amount, the examination and approval pass the financing request instruction and a money release instruction is sent to a financial terminal;
and sending a pledge marking instruction to the warehouse management system, wherein the pledge marking instruction is used for enabling the warehouse management system to mark pledges.
Optionally, after the approval passes the financing request instruction and sends a deposit instruction to the financial terminal, the method further includes:
sending a real-time escort inventory information acquisition instruction to the warehouse management system according to a preset time interval, wherein the real-time escort inventory information acquisition instruction is used for instructing the warehouse management system to send real-time escort inventory information of the user;
calculating the real-time escorting goods value of the user according to the real-time escorting inventory information of the user and the escorting value information returned by the escorting value evaluation system;
and if the real-time escort value of the user is lower than the preset risk exposure of the user, sending early warning information to the financial terminal.
Optionally, the method further comprises:
receiving a second commodity ex-warehouse request sent by the warehouse management system;
calculating the real-time escorting goods value and the ex-warehouse goods value of the user according to the real-time escorting inventory information of the user, the ex-warehouse goods information and the escorting value information returned by the escorting value evaluation system;
and if the real-time escorting goods value of the user minus the goods value of the goods delivered from the warehouse of the user is higher than the preset risk exposure of the user, returning a delivery instruction to the warehouse management system through the second goods delivery request, and otherwise, rejecting the second goods delivery request.
According to the technical scheme, the embodiment of the application has the following advantages:
in the embodiment of the application, the supply chain financial stock pledge management system is provided, the pledge real-time goods value of a user and the preset risk exposure configured in advance by the user are real-time calculated by the pledge management system, when the user carries out a financing request, the first amount obtained by subtracting the preset risk exposure from the pledge real-time goods value of the user is compared with the financing amount, if the first amount is larger than the financing amount, the pledge management system directly sends a payment instruction to a financial terminal, and simultaneously the warehouse management system carries out pledge marking on the pledge of the user, so that a complex auditing flow is avoided, the financial financing approval of the user is directly carried out under the condition of the preset risk, and the pledge marking is carried out on the pledge to prevent the condition of repeated pledge, thereby solving the problem that the existing supply chain financial system has pledge on the surface, the risk is low, but the pledge is fake, The technical problems of complex approval process and low dynamic flexibility of the system caused by a plurality of risk points such as counterfeit goods, repeated pledges, inaccurate goods pledge price, lagging information and the like.
Drawings
FIG. 1 is a block diagram of a system architecture for a supply chain financial inventory pledge management system according to an embodiment of the present application;
FIG. 2 is a first flowchart of a supply chain financial inventory pledge management system in an embodiment of the present application;
FIG. 3 is a second flowchart of a supply chain financial inventory pledge management system in an embodiment of the present application;
FIG. 4 is a third flowchart of a supply chain financial inventory pledge management system in an embodiment of the present application;
FIG. 5 is a fourth flowchart of a supply chain financial inventory pledge management system in an embodiment of the present application;
FIG. 6 is a fifth flowchart of a supply chain financial inventory pledge management system in an embodiment of the present application;
FIG. 7 is a sixth flowchart of a supply chain financial inventory pledge management system in an embodiment of the present application;
FIG. 8 is a first flowchart of a method for pledge management of a supply chain financial inventory in an embodiment of the present application;
FIG. 9 is a second flowchart of a method for pledge management of financial inventory in a supply chain according to an embodiment of the present application;
FIG. 10 is a third flowchart of a method for pledge management of financial inventory in a supply chain in an embodiment of the present application;
wherein the reference numerals are:
01. a client; 02. a loan management system; 03. a warehouse management system; 04. an escort value evaluation system; 05. a financial terminal; 06. a pre-credit evaluation system.
Detailed Description
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be understood that the present application is applied to a supply chain financial stock pledge management system, please refer to fig. 1, fig. 1 is a system architecture diagram of a supply chain financial stock pledge management system in the embodiment of the present application, as shown in fig. 1, fig. 1 includes a client 01, an in-credit management system 02, a warehouse management system 03, a pledge value evaluation system 04, and a financial terminal 05;
the client 01 is connected with a credit management system 02 and a warehouse management system 03 respectively;
the loan management system 02 is connected to the warehouse management system, the deposit value evaluation system 04, and the financial terminal 05, respectively.
The application designs a supply chain financial stock pledge management system and a method, which solve the technical problems that the existing supply chain financial system is seemingly accompanied by physical pledge and has very low risk, but has many risk points such as bill counterfeiting, goods counterfeiting, repeated pledge, inaccurate goods pledge price, lagging information and the like, resulting in complex approval process and low dynamic flexibility of the system.
For ease of understanding, please refer to fig. 2, fig. 2 is a first flowchart of a supply chain financial inventory pledge management system according to an embodiment of the present application, as shown in fig. 2, which specifically includes:
a user sends a financing request instruction to the credit management system 02 based on a client 01, wherein the financing request instruction comprises financing amount;
the loan management system 02 calculates the real-time goods value of the escort of the user according to the escort inventory information of the user returned by the warehouse management system 03 and the escort value information returned by the escort value evaluation system 04;
if the first amount obtained by subtracting the preset risk exposure from the escort real-time goods value of the user is larger than the financing amount, the loan management system 02 approves the financing request instruction and sends a deposit instruction to the financial terminal 05;
the loan management system 02 sends a pledge marking instruction to the warehouse management system 03, where the pledge marking instruction is used to make the warehouse management system 03 perform pledge marking on an escort.
In the embodiment of the application, the supply chain financial stock pledge management system is provided, the pledge real-time goods value of a user and the preset risk exposure configured in advance by the user are real-time calculated by the pledge management system 02, when the user carries out a financing request, the first amount obtained by subtracting the preset risk exposure from the pledge real-time goods value of the user is compared with the financing amount, if the first amount is larger than the financing amount, the pledge management system 02 directly sends a payment instruction to the financial terminal 05, and simultaneously, the warehouse management system 03 carries out pledge marking on the pledge of the user, so that the complex auditing flow is avoided, the financial financing approval of the user is directly carried out under the condition of the preset risk, and meanwhile, pledge marking is carried out on the pledge to prevent the repeated pledge condition, the existing supply chain financial system with the pledge on the surface is realized, the risk is low, but the pledge counterfeiting exists, and the pledge is not easy to be brought into the market, The technical problems of complex approval process and low dynamic flexibility of the system caused by a plurality of risk points such as counterfeit goods, repeated pledges, inaccurate goods pledge price, lagging information and the like.
Referring to fig. 3, fig. 3 is a second flowchart of a supply chain financial inventory pledge management system according to an embodiment of the present application, as shown in fig. 3, specifically: the system also includes a pre-loan assessment system 06;
the pre-loan evaluation system 06 is connected with the loan management system 02;
the pre-loan assessment system 06 determines the financing amount of the user according to the operation condition of the user and the credit information;
the credit management system 02 determines the available financing amount of the user according to the financing amount and the financing amount of the user sent by the pre-credit evaluation system 06.
It should be noted that, after the user enters the system, the pre-loan assessment system 06 determines the financing amount of the user according to the operation condition of the user and the credit information, and after the user applies for financing, the loan management system 02 confirms the remaining available financing amount of the user according to the financing amount and the financing amount.
Referring to fig. 4, fig. 4 is a third flowchart of a supply chain financial inventory pledge management system according to an embodiment of the present application, as shown in fig. 4, specifically:
the loan management system 02 sends a real-time escort inventory information acquisition instruction to the warehouse management system 03 according to a preset time interval, wherein the real-time escort inventory information acquisition instruction is used for instructing the warehouse management system 03 to send real-time escort inventory information of a user;
the loan management system 02 calculates the real-time escort value of the user according to the real-time escort inventory information of the user and the escort value information returned by the escort value evaluation system 04;
if the real-time escort value of the user is lower than the preset risk exposure of the user, the management system 02 in the loan sends early warning information to the financial terminal 05.
It should be noted that, after the user applies for financing, the management system 02 in loan checks the quality assurance condition of the user regularly according to a preset time interval, specifically, calculates the real-time quality assurance value of the user, and sends an early warning message to the financial terminal 05 if the real-time quality assurance value is lower than the preset risk exposure of the user.
Referring to fig. 5, fig. 5 is a fourth flowchart of a supply chain financial inventory pledge management system according to an embodiment of the present application, as shown in fig. 5, specifically:
a user sends a first commodity ex-warehouse request to the warehouse management system 03 based on the client 01, wherein the first commodity ex-warehouse request carries ex-warehouse commodity information;
if the user's goods have the pledge mark, the warehouse management system 03 sends a second goods ex-warehouse request to the loan management system 02;
the loan management system 02 calculates the real-time escorting goods value and the ex-warehouse goods value of the user according to the real-time escorting inventory information, the ex-warehouse goods information of the user and the escorting value information returned by the escorting value evaluation system 04;
if the real-time escort goods value of the user minus the goods value of the goods delivered from the warehouse of the user is higher than the preset risk exposure of the user, the loan management system 02 sends a delivery instruction to the warehouse management system 03 through a second goods delivery request, otherwise, the second goods delivery request is rejected.
It should be noted that, when a user needs to carry out commodity ex-warehouse, a first commodity ex-warehouse request is first sent to the warehouse management system 03, and the first commodity ex-warehouse request carries information of the commodity ex-warehouse. After receiving the first goods warehouse-out request, the warehouse management system 03 first determines whether the goods of the user has a pledge mark, that is, whether the user is performing inventory pledge, and if the user is in the inventory pledge state, the warehouse management system 03 sends a second goods warehouse-out request to the loan management system 02. The loan management system 02 determines whether the commodity ex-warehouse behavior of the user triggers risks by calculating the real-time escort value and the ex-warehouse commodity value of the user and comparing the real-time escort value and the ex-warehouse commodity value with the preset risk exposure of the user, and allows ex-warehouse if no risk exists, otherwise refuses ex-warehouse.
Referring to fig. 6, fig. 6 is a fifth flowchart of a supply chain financial inventory pledge management system according to an embodiment of the present application, as shown in fig. 6, specifically:
the user sends a repayment request to the credit management system 02 based on the client 01, wherein the repayment request carries a repayment amount;
the loan management system 02 accounts the repayment amount of the user and releases the available financing amount of the user according to the repayment amount;
if the repayment amount of the user is equal to the real-time financing amount of the user, the credit management system 02 sends a pledge cancellation instruction to the warehouse management system 03, and the pledge cancellation instruction is used for enabling the warehouse management system 03 to cancel pledge marks of pledges of the user.
It should be noted that, after the user applies for repayment, the loan management system 02 calculates the repayment amount of the user and releases the available financing amount of the user, and after the financing amount of the user is completely repayed, sends a pledge cancellation instruction to the warehouse management system 03 to cancel a pledge mark of the pledge of the user.
Referring to fig. 7, fig. 7 is a sixth flowchart of a supply chain financial inventory pledge management system according to an embodiment of the present application, as shown in fig. 7, specifically:
the warehouse management system 03 synchronizes the commodity information of the user to the loan management system 02;
the loan management system 02 obtains the commodity classification information sent by the escort value evaluation system 04, wherein the commodity classification information comprises preset escort admission categories;
the loan management system 02 determines the deposit of the user and creates deposit inventory information of the user according to the commodity classification information and the commodity information of the user;
the loan management system 02 transmits the deposit inventory information of the user to the warehouse management system 03.
It should be noted that all the commodities stored in the warehouse by the user are not necessarily the security access categories configured in advance by the system, so after the loan management system 02 synchronizes the commodity information of the user stored in the warehouse management system 03, the deposit inventory information is created for the commodities in the user that meet the security access categories.
Referring to fig. 8, fig. 8 is a first flowchart of a supply chain financial inventory pledge management method according to an embodiment of the present application, as shown in fig. 8, specifically:
801. calculating the real-time goods value of the escorting of the user according to the escorting inventory information of the user returned by the warehouse management system 03 and the escorting value information returned by the escorting value evaluation system 04;
802. if the first amount obtained by subtracting the preset risk exposure from the escort real-time goods value of the user is larger than the financing amount, the examination and approval pass the financing request instruction and a deposit instruction is sent to the financial terminal 05;
803. and sending a pledge marking instruction to the warehouse management system 03, wherein the pledge marking instruction is used for enabling the warehouse management system 03 to mark an pledge.
Referring to fig. 9, fig. 9 is a second flowchart of a supply chain financial inventory pledge management method according to an embodiment of the present application, as shown in fig. 9, specifically:
901. sending a real-time escort inventory information acquisition instruction to the warehouse management system 03 according to a preset time interval, wherein the real-time escort inventory information acquisition instruction is used for instructing the warehouse management system 03 to send real-time escort inventory information of a user;
902. calculating the real-time escorting goods value of the user according to the real-time escorting inventory information of the user and the escorting value information returned by the escorting value evaluation system 04;
903. and if the real-time escort value of the user is lower than the preset risk exposure of the user, sending early warning information to the financial terminal 05.
Referring to fig. 10, fig. 10 is a third flowchart of a supply chain financial inventory pledge management method according to an embodiment of the present invention, as shown in fig. 10, specifically:
1001. receiving a second commodity ex-warehouse request sent by the warehouse management system 03;
1002. calculating the real-time escorting goods value and the ex-warehouse goods value of the user according to the real-time escorting inventory information, the ex-warehouse goods information of the user and the escorting value information returned by the escorting value evaluation system 04;
1003. and if the real-time escort commodity value of the user minus the delivery commodity value of the user is higher than the preset risk exposure of the user, returning a delivery instruction to the warehouse management system 03 through a second commodity delivery request, and otherwise rejecting the second commodity delivery request.
It can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working process of the method described above may refer to the corresponding process in the foregoing system embodiment, and is not described herein again.
The terms "first," "second," "third," "fourth," and the like in the description of the application and the above-described figures, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the application described herein are, for example, capable of operation in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
It should be understood that in the present application, "at least one" means one or more, "a plurality" means two or more. "and/or" for describing an association relationship of associated objects, indicating that there may be three relationships, e.g., "a and/or B" may indicate: only A, only B and both A and B are present, wherein A and B may be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of single item(s) or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", wherein a, b, c may be single or plural.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be substantially implemented or contributed to by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions in the embodiments of the present application.
Claims (10)
1. A supply chain financial inventory pledge management system, comprising:
the system comprises a client, a credit management system, a warehouse management system, an escort value evaluation system and a financial terminal;
the user sends a financing request instruction to the credit management system based on the client, wherein the financing request instruction comprises financing amount;
the loan management system calculates the real-time goods value of the collateral of the user according to the collateral inventory information of the user returned by the warehouse management system and the collateral value information returned by the collateral value evaluation system;
if the first amount obtained by subtracting the preset risk exposure of the user from the escort real-time goods value of the user is larger than the financing amount, the management system in the loan approves the financing request instruction and sends a loan instruction to the financial terminal;
and the credit management system sends a pledge marking instruction to the warehouse management system, wherein the pledge marking instruction is used for enabling the warehouse management system to mark pledges.
2. The supply chain financial inventory pledge management system of claim 1, further comprising a pre-loan assessment system;
and the pre-credit evaluation system determines the financing amount of the user according to the operation condition and the credit information of the user.
3. The supply chain financial inventory pledge management system of claim 2, further comprising, after said loan management system approving said financing request instruction and sending a deposit instruction to said financial terminal:
and the credit management system determines the available financing amount of the user according to the financing amount of the user and the financing amount sent by the pre-credit evaluation system.
4. The supply chain financial inventory pledge management system of claim 3, further comprising, after said loan management system approving said financing request instruction and sending a deposit instruction to said financial terminal:
the loan management system sends a real-time escort inventory information acquisition instruction to the warehouse management system according to a preset time interval, wherein the real-time escort inventory information acquisition instruction is used for instructing the warehouse management system to send the real-time escort inventory information of the user;
the loan management system calculates the real-time escort value of the user according to the real-time escort inventory information of the user and the escort value information returned by the escort value evaluation system;
and if the real-time escort value of the user is lower than the preset risk exposure of the user, the loan management system sends early warning information to the financial terminal.
5. The supply chain financial inventory pledge management system of claim 1, further comprising:
the user sends a first commodity ex-warehouse request to the warehouse management system based on the client, wherein the first commodity ex-warehouse request carries ex-warehouse commodity information;
if the user commodity has a pledge mark, the warehouse management system sends a second commodity ex-warehouse request to the loan management system;
the loan management system calculates the real-time escort goods value and the ex-warehouse goods value of the user according to the real-time escort inventory information of the user, the ex-warehouse goods information and the escort value information returned by the escort value evaluation system;
and if the real-time escorting goods value of the user minus the goods value of the goods delivered from the warehouse of the user is higher than the preset risk exposure of the user, the management system in credit delivers the second goods delivery request and returns a delivery instruction to the warehouse management system, otherwise, the second goods delivery request is rejected.
6. The supply chain financial inventory pledge management system of claim 3, further comprising:
the user sends a repayment request to the credit management system based on the client, wherein the repayment request carries a repayment amount;
the loan management system calculates the repayment amount of the user and releases the available financing amount of the user according to the repayment amount;
and if the repayment amount of the user is equal to the real-time financing amount of the user, the credit management system sends a pledge canceling instruction to the warehouse management system, and the pledge canceling instruction is used for enabling the warehouse management system to cancel pledge marks of pledges of the user.
7. The supply chain financial inventory pledge management system of claim 1, wherein said user prior to sending a financing request instruction to said credit management system based on said client, further comprises:
the warehouse management system synchronizes the commodity information of the user to the loan management system;
the loan management system acquires the commodity classification information sent by the escort value evaluation system, wherein the commodity classification information comprises a preset escort admission category;
the loan management system determines the escort of the user according to the commodity classification information and the commodity information of the user and creates escort inventory information of the user;
and the loan management system sends the information of the escorting inventory of the user to the warehouse management system.
8. A method for supply chain financial inventory pledge management, comprising:
calculating the real-time goods value of the escorting of the user according to the escorting inventory information of the user returned by the warehouse management system and the escorting value information returned by the escorting value evaluation system;
if the first amount obtained by subtracting the preset risk exposure of the user from the escort real-time goods value of the user is larger than the financing amount, the examination and approval pass the financing request instruction and a money release instruction is sent to a financial terminal;
and sending a pledge marking instruction to the warehouse management system, wherein the pledge marking instruction is used for enabling the warehouse management system to mark pledges.
9. The method of supply chain financial inventory pledge management of claim 8, wherein said approving further comprises, after passing said financing request instruction and sending a deposit instruction to a financial terminal:
sending a real-time escort inventory information acquisition instruction to the warehouse management system according to a preset time interval, wherein the real-time escort inventory information acquisition instruction is used for instructing the warehouse management system to send real-time escort inventory information of the user;
calculating the real-time escorting goods value of the user according to the real-time escorting inventory information of the user and the escorting value information returned by the escorting value evaluation system;
and if the real-time escort value of the user is lower than the preset risk exposure of the user, sending early warning information to the financial terminal.
10. The supply chain financial inventory pledge management method of claim 8, further comprising:
receiving a second commodity ex-warehouse request sent by the warehouse management system;
calculating the real-time escorting goods value and the ex-warehouse goods value of the user according to the real-time escorting inventory information of the user, the ex-warehouse goods information and the escorting value information returned by the escorting value evaluation system;
and if the real-time escorting goods value of the user minus the goods value of the goods delivered from the warehouse of the user is higher than the preset risk exposure of the user, returning a delivery instruction to the warehouse management system through the second goods delivery request, and otherwise, rejecting the second goods delivery request.
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