Credit-based fund support scheme determination method and device

Abstract

The invention provides a credit-based fund support scheme determination method and device. The credit-based fund support scheme determination method comprises the steps of obtaining a credit sales order signed by a buyer in an operation process and credit information of the buyer; performing credit assessment on the buyer according to the credit information to obtain credit assessment informationof the buyer; determining a fund support strategy set for carrying out fund support on the buyer based on the credit evaluation information and the credit sales order; and integrating the fund supportstrategies contained in the fund support strategy set, and determining a fund support scheme of the buyer according to an integration result. Through the credit-based fund support scheme determination method, the best fund support scheme can be provided for the buyer based on the credit information, the bad debt rate between the buyer and the seller is reduced to a great extent, and the reliability of the credit sales order signed by the buyer and the seller is improved.

Description

technical field [0001] The present application relates to the field of communication technology, in particular to a method for determining a credit-based financial support scheme. The present application also relates to a device for determining a credit-based financial support scheme, a computing device, and a computer-readable storage medium. Background technique [0002] With the maturity of information technology, the group of small and micro enterprises is growing day by day, and the small and micro enterprises that have emerged have many problems. Compared with the maturity and perfection of large enterprises, small and micro enterprises have a large gap in management and capital. And due to the instability of small and micro enterprises, in daily operations, buyers often use the method of credit sales to sell goods on credit, that is, take away the goods first, and then repay the supplier of the goods when the capital turnover is opened. Among them, the buyer can get ...

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Problems solved by technology

[0003] When the purchaser obtains financial support through financing, loans, etc., as a purchaser, it needs to obtain financial support at a low cost and a large amount of financial support to ensure the maximum benefit of itself. Insufficient understanding of preferential policies such as loans, loans, etc., it is difficult to choose the best financial support plan, which in turn leads to the possibility of bad debts between the buyer and the supplier

[0004] In the prior art, in order to reduce the occurrence of bad debt events, the third party who usually provides financial support will evaluate the buyer during the application for financial support, and provide financial support to the buyer according to the evaluation results. Although this method can reduce the bad debt rate, However, the effect is not particularly satisfactory, and the third party providing financial support cannot follow up the changes in the operation of the purchaser's small and micro enterprises, and it is impossible to determine whether the purchaser will repay the funds obtained for the products sold on credit, and there may be misuse of funds and so on

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