System and method for supervising full life cycle of electronic commercial draft

Abstract

The invention provides a system and a method for supervising the full life cycle of an electronic commercial draft. The system comprises: a commercial bank front-end processor system receiving relevant processing request information and relevant information of the electronic commercial draft in the whole life cycle of the electronic commercial draft submitted by a bill relevant person, and sending the relevant processing request information and the relevant information of the electronic commercial draft to a main processing center system through a sub-processing center system; a total processing center system, storing the related information of the electronic commercial draft, processing the related information of the electronic commercial draft according to the related processing request information to generate electronic commercial draft change information, and sending the electronic commercial draft change information to the commercial bank front-end processor system through the sub-processing center system; and a commercial bank front-end processor system, sending the electronic commercial draft change information to the bill related person. According to the electronic bill system constructed by the scheme, the full life cycle supervision of the electronic commercial draft is realized.

Description

technical field [0001] The invention relates to the technical field of electronic bill management, in particular to a system and method for monitoring the entire life cycle of an electronic commercial bill. Background technique [0002] At present, the main business form of my country's bill market is the acceptance, discount and re-discount of commercial bills. In recent years, with the rapid and stable development of my country's economy, the improvement of corporate credit and the enhancement of direct financing needs, the bill market has developed rapidly, the use of commercial bills has been increasing, and the development bottleneck of my country's bill market has become increasingly apparent, mainly manifested in : Lack of a unified national bill system; lack of a convenient and low-cost inquiry and verification system, inconvenient and high cost to handle bill business across regions and banks; less market participants, and imperfect market maker mechanism and credit ...

AI Technical Summary

Problems solved by technology

In recent years, with the rapid and stable development of my country's economy, the improvement of corporate credit and the increasing demand for direct financing, the bill market has developed rapidly, and the use of commercial bills has continued to increase. The development bottleneck of my country's bill market has also become increasingly apparent, mainly in : Lack of a unified bill system across the country; lack of convenient and low-cost query and verification system, cross-regional and cross-bank bill business is inconvenient and expensive; there are few market participants, and the market maker mechanism and credit evaluation mechanism are not perfect

These factors have affected the further development of my country's bill market, not only restricting the development of direct financing of enterprises, affecting the business innovation of commercial banks, but also not conducive to the transmission and implementation of the central bank's monetary policy

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