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Supply chain financial platform based on credit extension model

A supply chain and model technology, applied in finance, data processing applications, special data processing applications, etc., can solve the problem that the supply chain financial platform cannot take into account credibility and confidentiality, so as to ensure authenticity, increase cost, The effect of promoting capital circulation

Pending Publication Date: 2021-10-08
浙江数秦科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The technical problem to be solved by the present invention is: the technical problem that the current supply chain financial platform cannot take into account both credibility and confidentiality

Method used

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  • Supply chain financial platform based on credit extension model
  • Supply chain financial platform based on credit extension model
  • Supply chain financial platform based on credit extension model

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0026] A credit model-based supply chain financial platform, please refer to the attached figure 1 , this embodiment includes several supply chain data nodes 30 and interactive servers 20, the supply chain data nodes 30 are connected to several supply chain enterprises 40, and the supply chain data nodes 30 run a data storage module 31, a data storage module 32 and a credit model The execution module 33, the data storage module 31 stores the qualification data 53, mortgageable asset data 54 and business data 311 of the supply chain enterprise 40, the data storage module 32 stores the data of the data storage module 31, and the credit model execution module 33 will The business data 311 of the supply chain enterprise 40 is input into the credit model, and the credit model outputs the credit line 55 corresponding to the supply chain enterprise 40. The interactive server 20 connects to the credit institution 10 and performs data interaction with the credit institution 10. The inte...

Embodiment 2

[0044] A supply chain financial platform based on a credit model is established in the agricultural product supply chain. The agricultural product supply chain used in this embodiment has a core enterprise 40, that is, a large-scale agricultural product trading market enterprise 40. The agricultural product trading market is established near the agricultural product supply chain. Near the production area, it mainly supplies primary agricultural products or semi-processed agricultural products. It has business cooperation with several agricultural product processing factories in several local counties. The agricultural product processing factory purchases the agricultural products obtained from farmers, directly or after simple processing and packaging, and sets up stalls in the agricultural product trading market enterprise 40 for sale. Local and foreign food processing factories purchase agricultural products or primary processed products from agricultural product trading mar...

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Abstract

The invention relates to the technical field of supply chain finance, in particular to a credit extension model-based supply chain finance platform, which comprises a plurality of supply chain data nodes and an interaction server, and is characterized in that the supply chain data nodes are connected with a plurality of supply chain enterprises; the supply chain data node runs a data storage module, a data evidence storage module and a credit extension model execution module, the data storage module stores qualification data, mortgage asset data and business data of a supply chain enterprise, and the credit extension model execution module inputs the business data of the supply chain enterprise into a credit extension model; and the interaction server carries out data interaction with the credit institution, receives the credit extension model submitted by the credit institution, sends the credit extension model to the supply chain data node connected with the loan target supply chain enterprise for execution, obtains a credit line, and carries out credit business according to the credit line. The method has the substantial effects that the privacy of supply chain enterprises is effectively protected, the authenticity of credit data is ensured, fund circulation is promoted, and the bad debt rate is reduced.

Description

technical field [0001] The invention relates to the technical field of supply chain finance, in particular to a supply chain finance platform based on a credit model. Background technique [0002] The supply chain refers to the core enterprise, starting from supporting parts, making intermediate products and final products, and finally delivering the products to consumers through the sales network, including raw material suppliers, suppliers, manufacturers, warehouses, transportation A system of multiple subjects such as dealers, distributors, retailers and end customers. There are many companies involved in the upstream and downstream industries in the supply chain. Many of them are SMEs, even micro-enterprises and start-ups. These enterprises participate in supply chain activities, provide products or services to their downstream enterprises, and purchase products or services from their upstream enterprises. These micro-enterprises and start-ups are often small in scale...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/27G06F16/22G06F21/64
CPCG06F16/27G06F16/2255G06F21/64G06Q40/03
Inventor 张金琳高航
Owner 浙江数秦科技有限公司
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