CN111028072A - Supply chain financial pre-loan tone data processing method and system - Google Patents
Supply chain financial pre-loan tone data processing method and system Download PDFInfo
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Abstract
In the embodiment of the application, basic information, operational data and financial data of a user are butted through multiple interfaces, picture data information uploaded by the user is electronized by utilizing an OCR (optical character recognition) technology, and finally a pre-loan exhaustive report and a risk assessment report of the user are generated by combining integration and analysis of multiple data.
Description
Technical Field
The application relates to the technical field of supply chains, in particular to a supply chain financial pre-loan tone data processing method and system.
Background
At present, traditional due diligence survey of Chinese financial institutions is realized on the basis of a scattered and offline mode, a sponsor requires a borrower to provide data such as identity, credit investigation, finance, management, internal and external systems and the like, and the sponsor carries out manual or semi-program automatic data processing according to a wind control rule set by the sponsor to form a static investigation report, so that the management capacity, the profitability, the development potential, the repayment capacity, the repayment willingness and the like of an enterprise are evaluated, and the credit line is finally determined.
The mode that the borrower provided data has pictures, paper materials, electronic documents, tables and the like, traditional financial institutions need to spend a large amount of manpower to collect, arrange, check and analyze the materials, some electronic documents, system data and the like can realize programmed check and processing, but pictures, paper materials and the like are limited by technology, can only pass through manual processing, are easy to make mistakes, are difficult to correct errors, and cannot improve the granularity of checking the authenticity of the data.
Disclosure of Invention
The embodiment of the application provides a method and a system for processing supply chain financial pre-loan tone data, and solves the technical problems that a supply chain financial pre-loan tone report relates to scattered, multi-channel and multi-style data materials, the arrangement process consumes manpower, real-time, dynamic and verifiable updating cannot be carried out as before, the data analysis process is difficult to trace, and the authenticity and the transparency of the tone report cannot be ensured.
In view of the above, a first aspect of the present application provides a method for processing supply chain financial pre-loan leveling data, the method comprising:
acquiring a financing request sent by a user;
acquiring basic information of the user through a first interface;
obtaining the operation data of the user through a second interface after obtaining the operation data authorization of the user;
after obtaining the financial data authorization of the user, acquiring the financial data of the user through a third interface;
acquiring the picture data uploaded by the user, and electronizing the information of the picture data through an ORC (organic Rankine cycle) recognition technology;
and generating a pre-loan expiration report and a risk assessment report of the user according to the basic information, the operation data, the financial data and the electronized picture data.
Optionally, after the obtaining the basic information of the user through the first interface, the method further includes:
determining the payment willingness and the payment capability information of the user according to the basic information of the user;
and correspondingly, adding the repayment willingness and the repayment capacity information of the user into the before-credit extension report and the risk assessment report of the user.
Optionally, after obtaining the operation data of the user through the second interface, the method further includes:
generating future development potential information of the user according to the operation data of the user by utilizing a preset commodity big data prediction system;
accordingly, the future development potential information of the user is added to the pre-loan expiration report and the risk assessment report of the user.
Optionally, after the obtaining the financial data of the user through the third interface, the method further includes:
performing cross validation on the operation data of the user and the financial data of the user to obtain an asset and operation authenticity validation result of the user;
and correspondingly, adding the assets and operation authenticity verification results of the user into the pre-credit extension report and the risk assessment report of the user.
Optionally, the basic information of the user includes industry and commerce information, stockholder information, financial information, yearbook information, enterprise genealogy information, credit information, and legal information.
Optionally, the operation data of the user is specifically real-time sales operation data of the user on each e-commerce platform, and includes commodity information and commodity data.
A second aspect of the present application provides a supply chain financial pre-loan except data processing system, the system comprising:
the first acquisition unit is used for acquiring a financing request sent by a user;
the second acquisition unit is used for acquiring the basic information of the user through a first interface;
the third acquisition unit is used for acquiring the operation data of the user through a second interface after obtaining the operation data authorization of the user;
the fourth acquisition unit is used for acquiring the financial data of the user through a third interface after the financial data of the user is authorized;
the fifth acquisition unit is used for acquiring the picture data uploaded by the user and electronizing the information of the picture data through an ORC (organic Rankine cycle) recognition technology;
and the processing unit is used for generating a pre-loan expiration report and a risk assessment report of the user according to the basic information, the operation data, the financial data and the electronized picture data.
Optionally, the method further includes:
the first analysis unit is used for determining the repayment willingness and the repayment capacity information of the user according to the basic information of the user;
correspondingly, the processing unit is further used for adding the repayment willingness and the repayment capacity information of the user into the before-credit extension report and the risk assessment report of the user.
Optionally, the method further includes:
the second analysis unit is used for generating future development potential information of the user according to the operation data of the user by utilizing a preset commodity big data prediction system;
correspondingly, the processing unit is further used for adding the future development potential information of the user into the pre-loan expiration report and the risk assessment report of the user.
Optionally, the method further includes:
the third analysis unit is used for performing cross validation on the operation data of the user and the financial data of the user to obtain an asset and operation authenticity validation result of the user;
correspondingly, the processing unit is also used for adding the assets and operation authenticity verification results of the user into the pre-credit extension report and the risk assessment report of the user.
According to the technical scheme, the embodiment of the application has the following advantages:
in the embodiment of the application, a method for processing supply chain financial pre-loan tone data is provided, basic information, operational data and financial data of a user are butted through multiple interfaces, picture data information uploaded by the user is electronized by utilizing an OCR recognition technology, and finally a pre-loan tone report and a risk assessment report of the user are generated by combining integration and analysis of multiple data.
Drawings
FIG. 1 is a flow chart of a method for processing pre-supply chain financial credit leveling data in an embodiment of the present application;
FIG. 2 is another flow chart of a method for processing pre-supply chain financial credit leveling data in an embodiment of the present application;
FIG. 3 is a block diagram of an embodiment of a system for pre-supply chain financial credit amortization data processing;
FIG. 4 is a block diagram of another embodiment of a system for pre-supply chain financial credit leveling data processing.
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.
The embodiment of the application provides a method and a system for processing supply chain financial pre-loan tone data, and solves the technical problems that a supply chain financial pre-loan tone report relates to scattered, multi-channel and multi-style data materials, the arrangement process consumes manpower, real-time, dynamic and verifiable updating cannot be carried out as before, the data analysis process is difficult to trace, and the authenticity and the transparency of the tone report cannot be ensured.
For convenience of understanding, referring to fig. 1, fig. 1 is a first flowchart of a method for processing pre-supply chain financial credit leveling data according to an embodiment of the present application, as shown in fig. 1, specifically:
101. acquiring a financing request sent by a user;
it should be noted that, first, a financing request sent by a user needs to be received, the user is generally an enterprise user, and the financing request carries the financing amount requested by the user.
102. Acquiring basic information of a user through a first interface;
it should be noted that after receiving a financing request sent by a user, basic information of the user is obtained through a first interface, the first interface is usually connected with a data-exposed platform of a business, and the first interface is used to obtain information of the business, stockholder, and financial of the user. Annual newspaper information, enterprise genealogical information, credit information, legal information and the like.
103. Obtaining the operation data of the user through a second interface after obtaining the operation data authorization of the user;
it should be noted that, after obtaining the operation data authorization of the user, the second interface is used to obtain the operation data of the user, and the second interface is usually connected to the e-commerce platform to obtain the real-time operation data of the user on the e-commerce platform.
104. After obtaining the financial data authorization of the user, acquiring the financial data of the user through a third interface;
it should be noted that, after the financial data of the user is authorized, the financial data of the user is obtained through the third interface, and the third interface is usually interfaced with an API of the enterprise ERP system, and is used for obtaining enterprise real-time financial data of the user, specifically including order data, business data, tax data, and the like.
105. Acquiring picture data uploaded by a user, and electronizing the information of the picture data through an ORC (organic Rankine cycle) recognition technology;
it should be noted that besides some platforms and systems can obtain data of users, users may also upload other picture data, such as audit report scans, financial reports scans, and the like, and the information of the picture data can be electronized through the ORC recognition technology to directly obtain effective information in the picture data.
106. And generating a pre-loan intonation report and a risk assessment report of the user according to the basic information, the operation data, the financial data and the electronized picture data.
It should be noted that after data of multiple sources of a user is collected, a pre-loan exhaustive report and a risk assessment report of the user are generated, and it can be understood that, since the data of the data source may be updated in real time, the pre-loan exhaustive report and the risk assessment report provided in the embodiment of the present application are also real-time dynamic reports, so that the real-time credit granting capability of the user is ensured, and when a sponsor invokes the pre-loan exhaustive report and the risk assessment report of the user, the real-time pre-loan exhaustive report and the risk assessment report are pushed to the sponsor.
In the embodiment of the application, a method for processing supply chain financial pre-loan tone data is provided, basic information, operational data and financial data of a user are butted through multiple interfaces, picture data information uploaded by the user is electronized by utilizing an OCR recognition technology, and finally a pre-loan tone report and a risk assessment report of the user are generated by combining integration and analysis of multiple data.
Referring to fig. 2, fig. 2 is a second flowchart illustrating a method for processing pre-supply chain financial credit leveling data according to an embodiment of the present application, as shown in fig. 2, specifically:
201. acquiring a financing request sent by a user;
it should be noted that, first, a financing request sent by a user needs to be received, the user is generally an enterprise user, and the financing request carries the financing amount requested by the user.
202. Acquiring basic information of a user through a first interface;
it should be noted that after receiving a financing request sent by a user, basic information of the user is obtained through a first interface, the first interface is usually connected with a data-exposed platform of a business, and the first interface is used to obtain information of the business, stockholder, and financial of the user. Annual newspaper information, enterprise genealogical information, credit information, legal information and the like.
203. Determining the payment willingness and the payment capability information of the user according to the basic information of the user;
it should be noted that, according to the basic information of the user, data analysis of the payment will and the payment capability information of the user can be performed to evaluate the payment capability of the user.
204. Obtaining the operation data of the user through a second interface after obtaining the operation data authorization of the user;
it should be noted that, after obtaining the operation data authorization of the user, the second interface is used to obtain the operation data of the user, and the second interface is usually connected to the e-commerce platform to obtain the real-time operation data of the user on the e-commerce platform.
205. Generating future development potential information of the user according to the operation data of the user by utilizing a preset commodity big data prediction system;
it should be noted that, by presetting a commodity big data prediction system, based on a big data processing method, such as a random forest algorithm, a neural network algorithm, etc., the sales condition of the commodity of the user business class in the market is analyzed, so as to obtain the future development potential information of the user.
206. After obtaining the financial data authorization of the user, acquiring the financial data of the user through a third interface;
it should be noted that, after the financial data of the user is authorized, the financial data of the user is obtained through the third interface, and the third interface is usually interfaced with an API of the enterprise ERP system, and is used for obtaining enterprise real-time financial data of the user, specifically including order data, business data, tax data, and the like.
207. Performing cross validation on the operation data of the user and the financial data of the user to obtain an asset and operation authenticity validation result of the user;
it should be noted that, in order to verify the accuracy of the business data and the financial data of the user, the asset and business authenticity verification result of the user is obtained by performing cross-validation on the business data and the financial data of the user.
208. Acquiring picture data uploaded by a user, and electronizing the information of the picture data through an ORC (organic Rankine cycle) recognition technology;
it should be noted that besides some platforms and systems can obtain data of users, users may also upload other picture data, such as audit report scans, financial reports scans, and the like, and the information of the picture data can be electronized through the ORC recognition technology to directly obtain effective information in the picture data.
209. Generating a before-credit extension report and a risk assessment report of a user according to the basic information, the operation data, the financial data and the electronized picture data, adding the repayment willingness and the repayment capacity information of the user into the before-credit extension report and the risk assessment report of the user, adding the future development potential information of the user into the before-credit extension report and the risk assessment report of the user, and adding the asset and operation authenticity verification result of the user into the before-credit extension report and the risk assessment report of the user.
It should be noted that after data of multiple sources of a user is collected, a pre-loan exhaustive report and a risk assessment report of the user are generated, and it can be understood that, since the data of the data source may be updated in real time, the pre-loan exhaustive report and the risk assessment report provided in the embodiment of the present application are also real-time dynamic reports, so that the real-time credit granting capability of the user is ensured, and when a sponsor invokes the pre-loan exhaustive report and the risk assessment report of the user, the real-time pre-loan exhaustive report and the risk assessment report are pushed to the sponsor.
In the embodiment of the application, a method for processing supply chain financial pre-loan tone data is provided, basic information, operational data and financial data of a user are butted through multiple interfaces, picture data information uploaded by the user is electronized by utilizing an OCR recognition technology, and finally a pre-loan tone report and a risk assessment report of the user are generated by combining integration and analysis of multiple data.
Referring to fig. 3, fig. 3 is a schematic structural diagram of a system for processing data of a supply chain finance pre-loan transaction according to an embodiment of the present application, as shown in fig. 3, specifically:
a first obtaining unit 301, configured to obtain a financing request sent by a user;
a second obtaining unit 302, configured to obtain basic information of a user through a first interface;
a third obtaining unit 303, configured to obtain the operation data of the user through the second interface after obtaining the operation data authorization of the user;
a fourth obtaining unit 304, configured to obtain the financial data of the user through the third interface after obtaining the financial data of the user;
a fifth obtaining unit 305, configured to obtain picture data uploaded by a user, and electronize information of the picture data through an ORC recognition technology;
and the processing unit 306 is used for generating a pre-loan expiration report and a risk assessment report of the user according to the basic information, the operation data, the financial data and the electronized picture data.
Referring to fig. 4, fig. 4 is another schematic structural diagram of a system for processing financial credit-ahead leveling data of a supply chain according to an embodiment of the present application, as shown in fig. 4, specifically:
a first obtaining unit 401, configured to obtain a financing request sent by a user;
a second obtaining unit 402, configured to obtain basic information of a user through a first interface;
a first analyzing unit 403, configured to determine a payment will and payment capability information of the user according to the basic information of the user;
a third obtaining unit 404, configured to obtain the operation data of the user through the second interface after obtaining the operation data authorization of the user;
the second analysis unit 405 is configured to generate future development potential information of the user according to the operation data of the user by using a preset commodity big data prediction system;
a fourth obtaining unit 406, configured to obtain the financial data of the user through the third interface after obtaining the financial data of the user;
the third analysis unit 407 is configured to perform cross validation on the operation data of the user and the financial data of the user to obtain an asset and operation authenticity validation result of the user;
a fifth obtaining unit 408, configured to obtain picture data uploaded by a user, and electronize information of the picture data through an ORC recognition technology;
the processing unit 409 is configured to generate a before-credit extension report and a risk assessment report of the user according to the basic information, the operation data, the financial data, and the electronized picture data, add the repayment willingness and the repayment capacity information of the user to the before-credit extension report and the risk assessment report of the user, add the future development potential information of the user to the before-credit extension report and the risk assessment report of the user, and add the asset and operation authenticity verification result of the user to the before-credit extension report and the risk assessment report of the user.
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 method for processing supply chain financial pre-loan expiration data, comprising:
acquiring a financing request sent by a user;
acquiring basic information of the user through a first interface;
obtaining the operation data of the user through a second interface after obtaining the operation data authorization of the user;
after obtaining the financial data authorization of the user, acquiring the financial data of the user through a third interface;
acquiring the picture data uploaded by the user, and electronizing the information of the picture data through an ORC (organic Rankine cycle) recognition technology;
and generating a pre-loan expiration report and a risk assessment report of the user according to the basic information, the operation data, the financial data and the electronized picture data.
2. The method of claim 1, wherein the obtaining the user's basic information via the first interface further comprises:
determining the payment willingness and the payment capability information of the user according to the basic information of the user;
and correspondingly, adding the repayment willingness and the repayment capacity information of the user into the before-credit extension report and the risk assessment report of the user.
3. The method of claim 1, wherein the obtaining the user's business data via the second interface further comprises:
generating future development potential information of the user according to the operation data of the user by utilizing a preset commodity big data prediction system;
accordingly, the future development potential information of the user is added to the pre-loan expiration report and the risk assessment report of the user.
4. The method of claim 1, wherein the obtaining financial data of the user via the third interface further comprises:
performing cross validation on the operation data of the user and the financial data of the user to obtain an asset and operation authenticity validation result of the user;
and correspondingly, adding the assets and operation authenticity verification results of the user into the pre-credit extension report and the risk assessment report of the user.
5. The method as claimed in claim 1, wherein the basic information of the user includes business information, stockholder information, financial information, yearly information, corporate genealogy information, credit information, and legal information.
6. The method as claimed in claim 1, wherein the business data of the user is real-time sales business data of the user on each e-commerce platform, including commodity information and commodity data.
7. A system for processing supply chain financial pre-loan expiration data, comprising:
the first acquisition unit is used for acquiring a financing request sent by a user;
the second acquisition unit is used for acquiring the basic information of the user through a first interface;
the third acquisition unit is used for acquiring the operation data of the user through a second interface after obtaining the operation data authorization of the user;
the fourth acquisition unit is used for acquiring the financial data of the user through a third interface after the financial data of the user is authorized;
the fifth acquisition unit is used for acquiring the picture data uploaded by the user and electronizing the information of the picture data through an ORC (organic Rankine cycle) recognition technology;
and the processing unit is used for generating a pre-loan expiration report and a risk assessment report of the user according to the basic information, the operation data, the financial data and the electronized picture data.
8. The supply chain financial pre-loan leveling data processing system of claim 7, further comprising:
the first analysis unit is used for determining the repayment willingness and the repayment capacity information of the user according to the basic information of the user;
correspondingly, the processing unit is further used for adding the repayment willingness and the repayment capacity information of the user into the before-credit extension report and the risk assessment report of the user.
9. The supply chain financial pre-loan leveling data processing system of claim 7, further comprising:
the second analysis unit is used for generating future development potential information of the user according to the operation data of the user by utilizing a preset commodity big data prediction system;
correspondingly, the processing unit is further used for adding the future development potential information of the user into the pre-loan expiration report and the risk assessment report of the user.
10. The supply chain financial pre-loan leveling data processing system of claim 7, further comprising:
the third analysis unit is used for performing cross validation on the operation data of the user and the financial data of the user to obtain an asset and operation authenticity validation result of the user;
correspondingly, the processing unit is also used for adding the assets and operation authenticity verification results of the user into the pre-credit extension report and the risk assessment report of the user.
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| CN201911237992.9A CN111028072A (en) | 2019-12-06 | 2019-12-06 | Supply chain financial pre-loan tone data processing method and system |
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| CN201911237992.9A CN111028072A (en) | 2019-12-06 | 2019-12-06 | Supply chain financial pre-loan tone data processing method and system |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
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| CN111798298A (en) * | 2020-07-08 | 2020-10-20 | 广州新丝路信息科技有限公司 | Cross-border e-commerce supply chain financial pre-loan enterprise evaluation method and system |
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| CN113377852A (en) * | 2021-06-18 | 2021-09-10 | 虎彩印艺股份有限公司 | Block chain-based method for tracing data source in wind control report |
| CN113822711A (en) * | 2021-09-15 | 2021-12-21 | 珠海格力电器股份有限公司 | Method and device for determining off-line store operation state information |
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