Fourth-party financial synergy service system and service method thereof

Abstract

The invention discloses a fourth-party financial synergy service system and a service method thereof. The system comprises a pledge customer, a bank, a third-party logistics storage enterprise and a fourth-party bank, and also comprises a financial service information system which connects a digital storage system of the third-party logistics storage enterprise and a business to business (B2B) system of a fourth-party bank in a seamless way. In the method, the digital storage system of the third-party logistics storage enterprise is connected with an independently researched and developed financial service information system and a bank B2B system in a seamless way so as to realize the informatization of a bank pledge business of the storage of logistics products in metal material industry; and bank capital flow and enterprise logistics are integrated organically so as to provide an integrated storage service business system which integrates a plurality of bank services such as financing, account settling and the like for small and medium enterprise costumers.

Description

technical field [0001] The invention relates to an electronic service platform and a service method thereof, in particular to a service system and a service method of the system in which a financial cooperating party is added to the existing three-party electronic service platform. Background technique [0002] Warehouse receipt pledge is a kind of pledge established with warehouse receipt as the subject matter. As a new type of service item, it has become an important means of financing between enterprises and banks, and it is also an important part of value-added services in the warehousing industry. Carrying out warehouse receipt pledge business can not only solve the shortage of liquidity of cargo owners, but also guarantee bank income, expand warehouse service functions, increase supply of goods, and improve efficiency, which can be described as "kill three birds with one stone". Especially in the process of transformation from traditional warehousing enterprises to mod...

AI Technical Summary

Problems solved by technology

[0004] This kind of credit model, because it is also a human operation, still has a lot of randomness and uncontrollability, and the bank needs to select the pledge, analyze the market price of the pledge, and conduct credit appraisal for the bank's corporate customers, etc. It is also necessary to send people to carry out special supervision and control, which increases the management cost, and is unwilling to operate small businesses at all, and cannot carry out cross-regional remote implementation of slightly larger businesses

On the other hand, enterprises, especially some small and medium-sized enterprises that most need to transfer funds, due to the lack of their own credit, information cannot be two-way transparent, it is difficult to obtain credit from banks, and due to complicated bank approval procedures, it takes a long time to pledge and decompress , but also limited by the bank's working hours, it is difficult to carry out this business

All these make the objects of banking financial services more inclined to the industry leaders with large sales and good reputation in the region, and do not really serve large-scale small and medium-sized enterprises.

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