An e-commerce financial platform based on big data analysis

Abstract

The invention discloses an electronic commerce financial platform based on big data analysis, which comprises an enterprise marketing system, a data collection module, a data analysis module, a creditevaluation module and a financial management system. The data analysis module carries out credit analysis for the business activities of the enterprise according to the received enterprise transaction data, the logistics data and the financial data, and the enterprise credit management is carried out by the credit evaluation module. The financial management system provides financing and loan services for enterprises according to the enterprise credit evaluation provided by the credit evaluation module. The data can be dynamically managed in the whole process, readjust the credit scale of enterprises at any time, The traditional financing evaluation based on the assets of SMEs is transformed into the credit evaluation based on transaction data, so as to establish a stable, predictable andfully regulated mechanism between financial institutions and SMEs, which can not only solve the financing difficulties of SMEs, but also greatly reduce the risks of financial institutions.

Description

technical field [0001] The invention relates to the field of e-commerce, in particular to an e-commerce financial platform based on big data analysis. Background technique [0002] Enterprises still face many difficulties in the process of e-commerce: [0003] (1) The electronic and informatization integration of the enterprise itself has not been completed. Internal production, sales, finance, etc. are still in a fragmented stage, and external network connection and data processing cannot be completed. [0004] (2) It is difficult to rely on platforms such as Taobao to sell. Lack of traffic, high cost, and many fake products. [0005] (3) Orders such as telephone and fax affect sales efficiency. The sales team sells, and the customer calls and faxes to place an order; a large number of sales and service personnel are required, and the sales efficiency is low. [0006] (4) Difficulty in recovering payment and cumbersome reconciliation procedures. There is a lack of cre...

AI Technical Summary

Problems solved by technology

Internal production, sales, finance, etc. are still in the independent stage, unable to complete external network connection and data processing

[0004] (2) It is difficult to rely on platforms such as Taobao to sell

Lack of traffic, high cost, and many fake products

[0005] (3) Orders such as telephone and fax affect sales efficiency

The sales team sells, and the customer calls and faxes to place an order; a large number of sales and service personnel are required, and the sales efficiency is low

[0006] (4) Difficulties in payment recovery and cumbersome reconciliation procedures

There is a lack of credit risk control in credit sales; there are loopholes in the collection of business representatives; the reconciliation of collections in various banks is cumbersome

[0007] (5) Inability to build an online product trading platform

Few professionals, high transaction costs, and difficult security guarantees all restrict the construction of its platform

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