CN115545948B

CN115545948B - Financing management method and device

Info

Publication number: CN115545948B
Application number: CN202211279328.2A
Authority: CN
Inventors: 徐立红; 李云峰; 孙艳军; 栾帅; 王英; 唐斌斌; 周晴; 张欣玉; 朱长风; 马梦萧; 伍洲; 刘雷; 张庆; 杨畅; 唐胜; 余力; 李旭然; 吴非; 王文姬; 周俊宇
Original assignee: State Power Investment Group Finance Co ltd
Current assignee: State Power Investment Group Finance Co ltd
Priority date: 2022-10-19
Filing date: 2022-10-19
Publication date: 2023-12-12
Anticipated expiration: 2042-10-19
Also published as: CN115545948A

Abstract

The invention discloses a financing management method and device, wherein the method comprises the following steps: acquiring financing instructions sent by users, and determining the category of the users; responding to the category of the user as an internal member user and an external member user, adopting a financing processing mode to process, generating a financing result according to the financing instruction, obtaining a credit contract according to the financing result, checking and approving the credit contract, performing a credit business according to the approval result to obtain a credit result, and feeding back the financing result and the credit result to the user. The invention realizes the management and control of the financing plan from the group level, supports the online reporting of the financing plan by the member units, and effectively realizes the control of the financing plan and the service application related to financing when the financing service is developed.

Description

Financing management method and device

Technical Field

The invention relates to the technical field of financing, in particular to a financing management method and device.

Background

At present, each member unit of the group reports the financing plan offline and monthly, the current month reports the next month financing plan, and the execution condition of the financing plan is reported by the secondary unit.

Based on the current situation, the reporting, adjustment, summarization and execution conditions of the financing plan of the group do not carry out comprehensive on-line management, the labor input cost is high, the timeliness and the accuracy of the plan data are low, the management requirement of the group on the global member unit financing plan can not be met, and the business processing flow related to financing is complex.

Disclosure of Invention

The present invention aims to solve at least one of the technical problems in the related art to some extent.

Therefore, the invention aims to provide a financing management method for realizing management and control of a financing plan from a group level, supporting reporting of the financing plan on a member unit line, realizing control of the financing plan when developing the financing service, and realizing the financing processing service with high efficiency.

In order to achieve the above object, the present invention provides a financing management method, which includes:

acquiring financing instructions sent by a user and determining the category of the user; wherein the categories of the user include: an in-home member user, an out-of-home member user, and an in-home member user;

responding to the category of the user as an internal member user, adopting a first financing processing mode to process, generating a financing result according to the financing instruction, obtaining a first credit contract according to the financing result, checking and approving the first credit contract, and performing credit business according to the approval result to obtain a credit result;

responding to the category of the user as an overseas member user, adopting a second financing processing mode to process, generating a financing result according to the financing instruction, obtaining a second credit contract according to the financing result, checking and approving the second credit contract, and performing credit business according to the approval result to obtain a credit result;

Responding to the category of the user as an overseas and overseas member user, adopting a third financing processing mode to process, generating a financing result according to the financing instruction, obtaining a third credit contract according to the financing result, checking and approving the third credit contract, and performing credit business according to the approval result to obtain a credit result;

and feeding back the financing result and the credit result to the user.

To achieve the above object, another aspect of the present invention provides a financing management apparatus, comprising:

the instruction acquisition module is used for acquiring financing instructions sent by a user and determining the category of the user; wherein the categories of the user include: an in-home member user, an out-of-home member user, and an in-home member user;

the first processing module is used for responding to the category of the user as an internal member user, adopting a first financing processing mode to process, generating a financing result according to the financing instruction, obtaining a first credit contract according to the financing result, checking and approving the first credit contract, and carrying out credit business according to the approval result to obtain a credit result;

the second processing module is used for responding to the category of the user as an overseas member user, adopting a second financing processing mode to process, generating a financing result according to the financing instruction, obtaining a second credit contract according to the financing result, checking and approving the second credit contract, and carrying out credit business according to the approval result to obtain a credit result;

The third processing module is used for responding to the category of the user as an overseas and overseas member user, adopting a third financing processing mode to process, generating a financing result according to the financing instruction, obtaining a third credit contract according to the financing result, checking and approving the third credit contract, and performing credit business according to the approval result to obtain a credit result;

and the result feedback module is used for feeding back the financing result and the credit result to the user.

The financing management method and device provided by the embodiment of the invention realize the management and control of the financing plan from the group level, support the reporting of the financing plan on the member unit line, and realize the control of the financing plan and the efficient application of the financing service when the financing service is developed.

Additional aspects and advantages of the invention will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the invention.

Drawings

The foregoing and/or additional aspects and advantages of the invention will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings, in which:

FIG. 1 is a flow chart of a financing management method according to an embodiment of the present invention;

FIG. 2 is a flow chart of account opening according to an embodiment of the application;

FIG. 3 is a financing flow diagram according to an embodiment of the present application;

FIG. 4 is a credit flow diagram according to financing results according to an embodiment of the present application;

FIG. 5 is a flow chart of ticket financing according to an embodiment of the present application;

fig. 6 is a schematic structural diagram of a financing management apparatus according to an embodiment of the present application.

Detailed Description

It should be noted that, without conflict, the embodiments of the present application and features of the embodiments may be combined with each other. The application will be described in detail below with reference to the drawings in connection with embodiments.

In order that those skilled in the art will better understand the present application, a technical solution in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in which it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present application without making any inventive effort, shall fall within the scope of the present application.

The financing management method and device according to the embodiment of the application are described below with reference to the accompanying drawings.

FIG. 1 is a flow chart of a financing management method according to one embodiment of the present invention.

As shown in fig. 1, the method includes:

s1, acquiring financing instructions sent by a user and determining the category of the user; wherein, the category of the user comprises: an in-home member user, an out-of-home member user, and an in-home member user;

s2, responding to the category of the user as an internal member user, adopting a first financing processing mode to process, generating a financing result according to the financing instruction, obtaining a first credit contract according to the financing result, checking and approving the first credit contract, and carrying out credit business according to the approval result to obtain a credit result;

s3, responding to the category of the user as an overseas member user, adopting a second financing processing mode to process, generating a financing result according to the financing instruction, obtaining a second credit contract according to the financing result, checking and approving the second credit contract, and performing credit business according to the approval result to obtain a credit result;

s4, responding to the category of the user as the user of the overseas and overseas members, adopting a third financing processing mode to process, generating a financing result according to the financing instruction, obtaining a third credit contract according to the financing result, checking and approving the third credit contract, and carrying out credit business according to the approval result to obtain a credit result;

S5, feeding back the financing result and the credit result to the user.

It can be understood that the existing funds management system of the financial company is not communicated with ERP systems, financial sharing systems and the like of member units, the system does not support payment control of various management dimensions, payment is not associated with funds budget, the settlement mode is not comprehensive enough, global unified payment monitoring is not realized, and the overseas payment data cannot be integrated and summarized.

The financing management system of the embodiment of the invention realizes that a judicial center management system (in) is communicated with a payment front-end service system, comprising an ERP and a financial sharing system, realizes global unified payment through a bank-enterprise interface, a financial company interface and SWIFT service, improves the fund payment efficiency, is communicated with a payment back-end financial accounting system, and improves the accounting processing mechanism so as to realize the whole flow management and control and information sharing of the payment service of an in-house member unit. The method realizes the unified management of the payment business of the multi-settlement mode (bank transfer, check and bill) of the member units in the interior, including online and offline payment business, actively initiated payment, and the passively withheld payment is uniformly monitored in the fund system, thereby realizing the management and control of all payment settlement business of the member units of the whole group. All foreign payments and national commission fund use classification association are realized, and data is provided for the dynamic monitoring interface of the national commission large fund use. The unified query of the whole group payment service is realized, wherein the unified query comprises an in-home unit and an out-of-home unit, and the whole group payment data is acquired for a group management layer.

Further, as shown in fig. 2, S201, an account opening application instruction sent by the user is obtained; s202, determining the account opening category of the account opening application instruction; wherein, the account opening category comprises: financial company private households, financial resource company private households and fund unification private households; s203, responding to the account opening category as a special account of a financial company, opening a first internal account for the user, and generating account information of the first internal account; s204, responding to the account opening category as a special account of a finance company, opening a second internal account for the user, and generating account information of the second internal account; s205, responding to the account opening type as a fund unification special account, opening a third internal account for the user, and generating account information of the third internal account; s206, feeding back the account information to the user.

It can be understood that the direct-connected bank accounts in each member unit are all single-currency accounts at present, and the account balance settlement, the fund concentration and the balance detail inquiry are all transacted in an N6 system; the overseas bank account funds are managed by the finance company in a concentrated way, the member units report the balance and detail of the bank account to the funds center in a monthly way, and the N6 system does not manage the overseas bank accounts. The issuing, changing and logging off (recording) of the bank account of each member unit (including overseas) and the issuing, changing and logging off (recording) of the bank of each member unit are initiated and applied by the issuing system, accepted by the fund center and classified approval is carried out. Based on the current situation, the current group cannot efficiently and effectively manage and analyze the information of the bank account (in and out of the country) in real time; the account opening and changing application links of the whole financial company are all carried out offline, on one hand, the workload of maintaining basic information by personnel in a settlement part for member units is increased, and on the other hand, when the submitted data of the member units are incomplete, the account opening period is longer.

Specifically, the system supports the unified management of the whole life cycle of the member unit accounts (bank accounts, non-bank financial institution accounts and internal accounts of financial companies) in the environment and the visualization of the information of the member unit accounts outside the environment so as to lay a foundation for fund collection, payment settlement, risk control and data analysis:

and the system supports the management of financial companies, funds centers, groups, member units and the establishment, change and sales of bank accounts and online banking in a judicial system (in a house). And supporting the visualization of the basic information, balance information and detail information of the bank account of the global member unit. In the financial company's internal account: the method supports the establishment, the change and the marketing of special households (namely accounts opened for meetings and project groups) in batches in one period, and the balance information and the detail information can be synchronized with the existing N6 system by carrying out supplementary recording in a judicial system (in the environment); the first batch and the second batch support the change of a living user, the sales user, the account balance, the detail and the opening and changing of a private user, the sales user, the account balance and the detail and the interaction of a financial company business system, so that the online synchronization is realized; other accounts (e.g., regular households, lenders, etc.) are opened with the service, are not managed at the account management module, and the balance, details of the account are queried at the corresponding service module (e.g., deposit, cash management, etc.). And clearing and account checking of bank accounts are supported so as to meet the daily management requirements of the fund center.

Further, the bank-enterprise direct connection BP3 completes data exchange work with a bank, and comprises the following steps: inquiring account balance information, inquiring account transaction records (details), sending transfer payment instructions, inquiring payment results, transferring funds and exception handling. In addition to managing and controlling BP3 related applications when using BP3 for data exchange with a bank, security proxy software for managing and controlling the bank according to the access requirements of a specific bank may be required. And processing funds through a newly added bank-enterprise interface or SWIFT interface.

Further, unified login verification of the user through the portal subsystem is obtained, and a financing instruction is sent.

Specifically, the digital signature support adopts a check code technology to ensure the integrity of important data in the transmission process; the system provides a signature mode such as CA digital certificates and the like for resisting repudiation. For the request of important business (bank payment at the online banking end), the important fields (serial number, transaction amount, account number of the transfer-in and the transfer-out and transaction time) are signed by adopting a mode of adding a digital signature to a security certificate, so that the non-repudiation of the request data is ensured, and the receiver adopts a corresponding secret key to decrypt and verify the signature, so that the integrity and the non-repudiation of the data can be ensured; important data transfer between cross-systems or platforms should provide a tamper-proof verification mechanism to ensure that the sender and receiver content are consistent. The audit log is stored with tamper-proof function (each log record stored in the database table performs tamper-proof treatment on the key field to prevent technicians from modifying the operation log through the background to influence the audit result).

It will be appreciated that the portal system currently integrates mainly the system used by financial companies and member unit users, and not the system used by financial users.

Further, the portal system adopts a UKey and user name/password dual verification mode to log in. After the user clicks the portal system to connect, the PING code input page of the UKey is popped up, the user inputs the PING code of the Ukey, and after the UKey passes verification, the user jumps to the login page for inputting the user name/password, and the user inputs the user name and password and enters the homepage of the portal system after the user passes verification; after a user logs in a portal, a new browser window is popped up when the user logs in a service system, the login service of the service system is invoked, a user name and a password are transmitted when the user logs in an SAP system from a portal system so as to verify user identity by the SAP, and bill data are transmitted when the user logs in other service systems so as to verify cAS by the service system; 4. the service system calls the CAS verification service of the portal through the ESB platform; 5. financial company business systems, fund unified business systems, judicial library center management systems (in), decision-making systems (financial companies), decision-making systems (judicial libraries), financial company core business systems, and each system interface is opened by adopting a CAS verification mode (bill authentication) and a new window mode, and each system is an independent and unique window (namely, clicking a certain system twice from a portal and opening only one window); the judicial center management system (overseas), the financial company core business system and the financial company financial accounting system verify the legitimacy of entering each system; when entering each service system from a non-portal entrance, each service system needs prompt information such as prompt of illegal user login (login from a portal system); each service system must be accessed through a portal, and each service system removes an independent login mechanism; when the portal system opens the service system, the portal system ID is transmitted to the service system for calling the heartbeat service of the service system; when the business system portal switches the central management system (overseas) (the central management system (overseas), the financial company core business system and the financial company financial accounting system), single sign-on is carried out by a user name/password (encryption) transmission mode (login user name password is not required to be input), and IE (version 8-11) browsers (except the financial company core business system) are required to be supported by each business system (B/S architecture).

Further, exception handling. If user authentication fails (including cAS authentication and user name/password authentication to the IBM system) when each service system is opened, a friendly error prompt is given in the current window; when each service system is opened, if the URL of each service system is called to fail (the service system is down, the network fails and the like), a friendly error prompt is given out in the current window; if the user logging in the portal system does not exist in the opened service system, the service system should record corresponding logs, so that the system can conveniently check the problems; for the situation that the login user does not exist in each service system (such as failure of maintaining user data and synchronizing the service system, etc.), a manual synchronous service system functional machine should be provided in the user management function; 5. after a user logs in a portal, a service system is opened, and if the portal system is closed, no influence is generated on the service system; the user opens a plurality of portals at the same time, only the last portal is valid, and all other portals have conversation expired; 7. after a user opens a service system from portals, if one portal system (same account) is opened, the user opens a plurality of portals simultaneously, only the last portal is valid, and all other portals have session expiration; after a user opens a service system from a portal, if a portal system (same account number) is opened again, a previous portal system session fails, and after the service system opened before is not related to the newly opened portal system (the condition that the same service system opens multiple windows possibly exists at the same time), the service system session opened last time needs to be expired.

Further, the requirements of each manufacturer are satisfied. Providing verification service through the URL login system (service logic should include calling a CAS service interface provided by the portal system to perform validity verification, except for the IBM system), if verification is successful, opening a main page, otherwise prompting verification failure information; the IBM system needs to provide a verification service (the service logic should include validity verification according to the user name and password) through the URL login system, if the verification is successful, the main page is opened, otherwise, verification failure information is prompted; the URL service provided by each service system comprises session logic (same user) for automatically expiring the last time the user logs in the service system, so that various problems caused by the condition that a plurality of portals open a plurality of windows of one service system are avoided; when each business system enters from the portal, the user is prompted to log in failure when the user identity verification fails.

Further, the login mode is verified, the password is forbidden to display the password in the clear, and special characters (x) with the same digits are used for replacing the password; the password of each user can be set to be valid, namely, after the valid period, the user is forced to modify the password; when a login webpage is opened, a key must be inserted and a password of the key must be input; judging whether the current user is matched with the used key certificate or not when clicking to log in, and judging whether the user name and the password are consistent or not; the logged-in password provides complexity setting (meets the requirements of providing a unique user identity identifier and checking the complexity of authentication information, and ensuring that repeated user identity identifiers do not exist in an application system and the authentication information is not easy to be counterfeited); meets the requirement of password security in the equity protection requirements; when the user pulls up the UK, the system forcedly exits the login and terminates the current page of the IE browser, and immediately terminates the session after exiting the login or closing the client program and the browser page, thereby ensuring that the online banking page after the previous login cannot be reentered in modes of backing, directly inputting an access address and the like. Multiple users with the same name are not allowed to be online at the same time at any moment; providing a login failure processing function, taking measures such as session ending, illegal login frequency limiting, automatic logout and the like, and providing a log inquiry function (IP, user, time and log content) of login failure, wherein the content comprises login password errors and no user name; for a login password input error (3 times, can be set), the system automatically locks the user for 15 minutes, does not allow the user to login, automatically unlocks after 15 minutes, or manually unlocks by a user administrator; the new users all have initial passwords, after logging in, the passwords must be modified and greetings must be set; the password requirement meets the requirement of complexity, the password complexity requirement can be set, and the length is not less than 8 bits; initially, the password must include letters and numbers; the encryption is carried out immediately after the password is input, and the sensitive information is kept end-to-end encrypted at the application layer, namely, the data is ensured to exist in a ciphertext form all the time in the process from a source point to a destination point; the user will automatically exit the system if he does not operate for several times (5 minutes, set).

After successful login, the post of the login user defaults to select a default post, and a menu owned by the post is listed on the left side; the specific information of the login user is displayed on the home page, and all unread messages and to-be-processed services of the user are listed at the same time; wherein the service to be processed lists the service to be processed of all posts of the user; clicking hyperlinks in the two lists can check specific message details and process specific services, and after clicking processing is finished, the home page is refreshed; for the read message, listing the message of the last month by default, and if the previous message needs to be checked, checking through message inquiry; the list of to-be-examined matters supports paging; clicking the menu adds a Tab sub-page on the top page side, and only 5 sub-pages at most can be provided based on performance consideration; (prompting that the sixth tab is not allowed to be opened) adding post information for displaying processing to the service to be processed; the clicked business to be processed jumps to the corresponding specific business interface; the user logs in the system, the first page displays greetings, the user can change greetings at any time, the password is modified when logging in for the first time, greetings are required to be set, and fishing prevention operation is achieved.

And carrying out related processing operations on the system announcement message, the flow reminder, the business reminder, the personal message, the financial company webpage message and the system initialization. And perfects the technology interface.

The implementation of the interface of the embodiment of the invention mainly adopts a mechanism of 'client request-server response', adopts a synchronous communication mode, and can send corresponding financing requests in a mode of issuing (POST) through a hypertext transfer protocol (hyperText transferprotocol, HTTP) by way of example.

In the embodiment of the invention, a unified HTTP POST mode is adopted, the entry and return values of the interface adopt messages in a unified format, and the financial company service subsystem, the financial company service subsystem and the financial unified service subsystem can respectively process different services according to the service type codes in the entry corresponding to the financing request, convert the processing results into the messages in the unified format and return the messages to the judicial management system. The interface can be called through an ESB platform, and the ESB platform has a fixed format requirement on the message.

It will be appreciated that the financing results of the internal institution of the subject application are synchronized with the external banking system account.

Further, a financing instruction is obtained, and financial company internal account funds of a financial company business subsystem are drawn into a first internal account according to the financing instruction, so that a first financing result is obtained; and generating a first feedback instruction according to the first financing result, feeding the first feedback instruction back to an external bank, and enabling the external bank account of the financial company to deposit funds of the first paying-off result into the external bank account of the first member through the bank-enterprise interface or the SWIFT interface.

Further, a financing instruction is obtained, and funds of the internal account of the financing company business subsystem are deposited into the second internal account according to the financing instruction, so that a second financing result is obtained; and receiving a second financing result and storing the financing record.

Further, a financing instruction is obtained, and funds of a fund center parent account of the finance company business subsystem are drawn into the third internal account according to the financing instruction, so that a third financing result is obtained; and generating a third feedback instruction according to the third financing result, feeding back the third feedback instruction to the external bank, and enabling the external bank account of the fund center to deposit funds of the third paying-out result into the external bank account of the third member through the bank-enterprise interface or the SWIFT interface.

Further, as shown in fig. 3, includes:

s401, acquiring comparison results of capital structure assessment data and target data of each member unit user, and sequencing each member unit user according to the data comparison results to obtain member sequencing results;

s402, reporting a first financing plan according to a preset period, rechecking, approving and reporting a second financing plan for the first financing plan, summarizing the second financing plan to obtain financing plans of all member unit users, and obtaining financing plan limits of all member unit users according to approval of the financing plans of all member unit users;

S403, acquiring financing plan line and member sequencing results of all member unit users, financing the all member unit users, comparing actual financing amount with the financing plan line, and obtaining a first financing result according to the amount comparison result and the financing control mode;

s404, acquiring financing plan line and member sequencing results of all member unit users, financing all member unit users, comparing actual financing amount with the financing plan line, and obtaining a second financing result according to the amount comparison result and the financing control mode;

s405, acquiring financing plan line and member sequencing results of all member unit users, financing all member unit users, comparing actual financing amount with the financing plan line, and obtaining a third financing result according to the amount comparison result and the financing control mode;

s406, feeding back the first financing result, the second financing result and the third financing result to the member unit user.

Specifically, in a judicial management subsystem, a member unit financing manager reports a financing plan, and submits the plan to the unit and a superior member unit for review and approval; the second-level member unit financing manager reports the own financing plan, gathers the financing plans of all member units subordinate to the second-level member unit financing manager and submits the financing plans to the unit review approval. The report content includes unit name, financial institution, currency, loan type, term, amount, etc. The group/fund center gathers the financing plans of all the secondary member units, and after approval, the financing plan line takes effect and synchronizes to the financial company peripheral business system for managing the financial company credit plans.

The financing plan control needs to support two modes of strong control and weak control. When financing business occurs, if the financing amount exceeds the financing plan amount, the control mode is forced control, and the financing is not allowed; if the control mode is weak control, the integration is allowed. The financing plan control controls the total amount of financing per member unit.

Further, as shown in fig. 4, includes:

s501, under the condition that the category is determined to be an internal member unit user, acquiring a credit instruction sent by the member unit user, selecting a credit management scheme according to the credit instruction, and performing a credit business on the credit instruction sent by the member unit user based on the credit management scheme to obtain a first credit result;

s502, under the condition that the category is determined to be the overseas member unit user, acquiring a credit instruction sent by the member unit user, selecting a credit management scheme according to the credit instruction, and performing a credit business on the credit instruction sent by the member unit user based on the credit management scheme to obtain a second credit result;

s503, under the condition that the category is determined to be the overseas and overseas member unit users, obtaining a credit instruction sent by the member unit users, selecting a credit management scheme according to the credit instruction, and performing a credit business on the credit instruction sent by the member unit users based on the credit management scheme to obtain a third credit result;

S504, feeding back the first credit result, the second credit result and the third credit result to the member unit user.

As one example, a financial center applies for a working loan by financing management and control, and a financial company accepts and contracts for the loan business.

The fund center initiates a withdrawal application and audit of the flowing fund loan in the financing management and control; after the approval, the financial company accepts the withdrawal application. The withdrawal application inputs information such as withdrawal date, withdrawal amount, remarks and the like (term, repayment mode, repayment date, payment mode, payment date, interest rate adjustment mode and interest rate cannot be modified), and uploads application related accessory data.

After the financial company finishes the paying processing through the peripheral business system, the fund center automatically performs the paying business account registration in the financing management and control module and triggers the fund center settlement module to perform automatic accounting processing.

Further, the fund center initiates a repayment application and checks in the financing management and control; after the verification is passed, the fund center transfers principal to be returned and interest to the account of the financial company. And after the financial company expires to execute the receipt, the fund center automatically performs payment service account registration on the financing management and control module, and triggers the fund center settlement module to perform automatic accounting processing. Contract clearing processing when the contract expires and principal and interest are not returned under the contract term.

Further, the fund center carries out contract change application through financing management and control; after the financial company performs contract change processing through the peripheral business system, the fund center receives the result to perform contract change registration. The interest rate change refers to manual interest rate adjustment for borrowing and non-borrowing contracts and automatic interest rate adjustment by contract-agreed interest rate adjustment rules. The manual interest rate adjustment is to apply for interest rate change through financing management and control by the fund center; the financial company receives the interest rate change, and after the processing is completed, the funds center registers the interest rate change. The automatic interest rate adjustment is that the financial company performs interest rate change processing and the fund center performs interest rate change registration.

Further, the loan duration is a contract duration in which borrowers cannot pay on schedule due to special reasons and the contract duration supports full and partial amount duration on the premise that the conditions of the loan duration are met. Two initiating modes exist in the loan exhibition period, namely, the contract exhibition period application is carried out through financing management and control, the financial company carries out contract exhibition period acceptance through a peripheral business system, and the fund center carries out contract exhibition period related registration after the processing is completed; and secondly, submitting a loan exhibition application offline by a borrower, and performing contract exhibition related registration by a fund center after the loan exhibition application is processed by a financial company peripheral business system.

Further, as shown in fig. 5, includes:

s601, receiving a first bill and checking the first bill under the condition that a financing instruction sent by a member unit user is the first bill and the category of the member unit user is determined to be an internal member unit, and directly connecting the bill with a financial company account through a bill exchange under the condition that the checking is passed, so as to generate a first bill financing result;

s602, receiving the second bill and checking if the financing instruction sent by the member unit user is the second bill and the category of the member unit user is determined to be the overseas member unit, and directly connecting the bill financing by using an internal account of a finance company through a bill exchange to generate a second bill financing result if the checking is passed;

s603, receiving the third bill and checking if the financing instruction sent by the member unit user is the third bill and the category of the member unit user is determined to be the overseas and overseas member unit, and directly connecting the bill financing by using the fund center parent account through a bill exchange to generate a third bill financing result if the checking is passed;

s604, feeding the first bill financing result, the second bill financing result and the third bill financing result back to the member unit user.

Further, the guarantee management request is processed through a guarantee management module, and meanwhile, the compounding and approval of the guarantee management request are completed; wherein the guarantee management request comprises, guarantee establishment, guarantee modification, guarantee period, guarantee expiration, guarantee migration, guarantee application/registration, use mortgage, contract change and contract entry;

the method comprises the steps of processing financing management requests through a financing management module, wherein the financing management requests comprise financing contract management, withdrawal management, financing repayment payment and cost expenditure, interest rate change and capital structure management; wherein the financing contract management includes contract application, contract registration, contract change, contract duration, and contract term; the payment management comprises a payment application, a payment statement replenishing and financing plan and a payment paying plan; the financing repayment and expense comprises a first payment detail filling and financing repayment and expense indication registration account; the interest rate change comprises contract or interest rate change application and update of the interest plan data; the capital structure management sets capital structure assessment target data and a capital structure statistics table;

processing the credit card management request through a credit card management module; the credit card management request comprises the steps of issuing bank credit card management, financial company to-be-issued management and receipt management; wherein the bank credit management comprises an issuing registration, a first credit change, a first to single registration, a second payment detail replenishment and a first credit verification; the financial company to-be-issued management comprises issuing application, second credit card change, receipt application, second receipt registration, third payment detail replenishment and second credit card verification; the receipt management comprises receipt registration, bill of lading registration, first receipt detail replenishment and third credit verification and verification;

Processing the policy management request through the policy management module; the policy management request includes: issuing and receiving the warranty management; the method comprises the steps of issuing a warranty management, wherein the issuing of the warranty management comprises the steps of issuing a request for issuing the warranty, issuing and registering the warranty, financing the warranty, changing the warranty, supplementing a fourth payment detail and ending a first warranty; the receipt of the warranty management includes a revenue warranty registration, a warranty information modification, a warranty migration, a second collection statement refill, and a second warranty end.

Further, sending the financing result and the credit result to a visualization system, and generating a visualization view according to the financing result and the credit result; providing a unified login verification function by using a portal subsystem; the unified login verification function comprises a certificate and user name password dual authentication function; the portal subsystem is also used for providing approval function, task prompt function to be done, notice notification function and user data synchronization function for the user.

Further, acquiring first data, and performing data cleaning on the first data to obtain second data; the first data comprises financing data, account management data, settlement data, fund conditions, large-amount fund monitoring data, production management data and financial accounting data; storing the second data in different databases according to the characteristics of the second data, and establishing a data analysis chart; according to the characteristics of data in the data analysis chart, establishing data models of different applications; and dynamically monitoring the first data index. Specifically, the data source layer of the first data: the source of the data. Including a judicial central management system (overseas), an overseas financial system; data integration layer: extracting data from a data source, cleaning the data, and then loading the cleaned data into a target data storage; data center layer: storing the fund data to form a proprietary theme database); for all data to be ultimately formed into the data warehouse, and for fast presentation, the near real-time corresponding data may be formed in a real-time data table. Data buffer area: selecting a data storage mode suitable for own functions and performance requirements according to a specific data application service; data warehouse area: the method is characterized in that the relationship and coordination among various data are established through a data model for unified use. The system comprises a real-time data storage area and a data warehouse core data storage area, and ensures that the judicial database and the financial company data are effectively isolated; data set urban area: a DM is a specific set of data classified for a certain topic domain, business department, or user. The high availability, expandability and high performance of the data analysis and report can be ensured through the data marts; application model layer: according to different data application displays, integrating to form different application models; data presentation layer: means and channels for data application, and different application functions are established according to the requirements of report statistics analysis application.

According to the financing management method provided by the embodiment of the invention, the management and control of the financing plan from the group level is realized, the member unit is supported to report the financing plan on line, and the control of the financing plan and the relevant business application of financing are effectively realized when the financing business is developed.

In order to implement the above embodiment, as shown in fig. 6, there is further provided a financing management apparatus in this embodiment, the apparatus 10 includes:

the instruction acquisition module 100 is used for acquiring financing instructions sent by a user and determining the category of the user; wherein, the category of the user comprises: an in-home member user, an out-of-home member user, and an in-home member user;

the first processing module 200 is configured to respond to the user category being an internal member user, perform processing by adopting a first financing processing manner, generate a financing result according to the financing instruction, obtain a first credit contract according to the financing result, verify and approve the first credit contract, and perform a credit business according to the approval result to obtain a credit result;

the second processing module 300 is configured to respond to the category of the user being an overseas member user, perform processing in a second financing processing manner, generate a financing result according to the financing instruction, obtain a second credit contract according to the financing result, perform verification and approval on the second credit contract, and perform credit business according to the approval result to obtain a credit result;

The third processing module 400 is configured to respond to the user category being an overseas and overseas member user, perform processing by adopting a third financing processing mode, generate a financing result according to the financing instruction, obtain a third credit contract according to the financing result, verify and approve the third credit contract, and perform credit business according to the approval result to obtain a credit result;

and the result feedback module 500 is used for feeding back the financing result and the credit result to the user.

According to the financing management device provided by the embodiment of the invention, the management and control of the financing plan from the group level is realized, the member unit is supported to report the financing plan on line, and the control of the financing plan and the relevant business application of financing are effectively realized when the financing business is developed.

Furthermore, the terms "first," "second," and the like, are used for descriptive purposes only and are not to be construed as indicating or implying a relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defining "a first" or "a second" may explicitly or implicitly include at least one such feature. In the description of the present invention, the meaning of "plurality" means at least two, for example, two, three, etc., unless specifically defined otherwise.

In the description of the present specification, a description referring to terms "one embodiment," "some embodiments," "examples," "specific examples," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present invention. In this specification, schematic representations of the above terms are not necessarily directed to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, the different embodiments or examples described in this specification and the features of the different embodiments or examples may be combined and combined by those skilled in the art without contradiction.

While embodiments of the present invention have been shown and described above, it will be understood that the above embodiments are illustrative and not to be construed as limiting the invention, and that variations, modifications, alternatives and variations may be made to the above embodiments by one of ordinary skill in the art within the scope of the invention.

Claims

1. A financing management method, comprising:

Feeding back the financing result and the credit result to the user;

the method further comprises the steps of:

acquiring an account opening application instruction sent by the user; determining the account opening category of the account opening application instruction; wherein, the account opening category comprises: financial company private households, financial resource company private households and fund unification private households; responding to the account opening category as a special account of a financial company, opening a first internal account for the user, and generating account information of the first internal account; responding to the account opening category as a finance company private account, opening a second internal account for the user, and generating account information of the second internal account; responding to the account opening category as a fund unification special account, opening a third internal account for the user, and generating account information of the third internal account; feeding back the account information to the user;

acquiring the financing instruction, and drawing the funds of the internal account of the financial company into the first internal account according to the financing instruction to obtain a first financing result; generating a first feedback instruction according to the first financing result, feeding the first feedback instruction back to an external bank, and enabling an external bank account of a financial company to draw funds of the first financing result into an external bank account of a first member through a bank-enterprise interface or a SWIFT interface;

Acquiring the financing instruction, and drawing the funds of the internal account of the financing company into the second internal account according to the financing instruction to obtain a second financing result; the second financing result is obtained, and the financing record is stored;

acquiring the financing instruction, and drawing funds of a funds center parent account of the funds unifying company into the third internal account according to the financing instruction to obtain a third financing result; generating a third feedback instruction according to the third financing result, feeding the third feedback instruction back to an external bank, and enabling a money center external bank account to draw money of the third financing result into a third member external bank account through a bank-enterprise interface or a SWIFT interface;

processing a guarantee management request through a guarantee management module, and completing compounding and approval of the guarantee management request; the guarantee management request comprises guarantee establishment, guarantee modification, guarantee period, guarantee expiration, guarantee migration, guarantee application/registration, use mortgage, contract change and contract junction item;

processing the policy management request through the policy management module; the policy management request includes: issuing and receiving the warranty management; the method comprises the steps of issuing a warranty management, wherein the issuing of the warranty management comprises the steps of issuing a request for issuing the warranty, issuing and registering the warranty, financing the warranty, changing the warranty, supplementing a fourth payment detail and ending a first warranty; the received warranty management comprises income warranty registration, warranty information modification, warranty migration, second collection detail filling and second warranty ending;

the method further comprises the steps of:

Under the condition that a financing instruction sent by a member unit user is a first bill and the category of the member unit user is determined to be an internal member unit, receiving the first bill, checking, and under the condition that the checking is passed, directly connecting the financial company account with a bill exchange station to carry out bill financing to generate a first bill financing result;

acquiring a second bill as a financing instruction sent by a member unit user and receiving the second bill and checking under the condition that the category of the member unit user is determined to be an overseas member unit, and directly connecting the bill financing by using an internal account of a finance company through a bill exchange under the condition that the check is passed, so as to generate a second bill financing result;

acquiring a third bill as a financing instruction sent by a member unit user, and receiving the third bill and checking under the condition that the category of the member unit user is determined to be an overseas and overseas member unit, and directly connecting the bill financing by using the fund center parent account through a bill exchange under the condition that the check is passed, so as to generate a third bill financing result;

feeding back the first bill financing result, the second bill financing result and the third bill financing result to the member unit user;

The method further comprises the steps of:

acquiring first data, and performing data cleaning on the first data to obtain second data; wherein the first data includes financing data, account management data, settlement data, funds conditions, bulk funds monitoring data, production management data, and financial accounting data;

storing the second data in different databases according to the characteristics of the second data, and establishing a data analysis chart;

according to the characteristics of data in the data analysis chart, establishing data models of different applications; dynamically monitoring the index of the first data;

wherein the data model comprises:

a data source layer of the first data: sources of data include a judicial central management system (overseas), an overseas financial system;

data integration layer: extracting data from a data source, cleaning the extracted data, and then loading the cleaned data into a target data storage;

data center layer: the method comprises the steps of storing fund data to form a proprietary theme database; all data is required to be finally formed into a data warehouse;

data buffer area: selecting a data storage mode suitable for own functions and performance requirements according to a specific data application service;

Data warehouse area: through a data model, establishing the relationship and coordination between various data for unified use; the system comprises a real-time data storage area and a data warehouse core data storage area, and ensures that the judicial database and the financial company data are effectively isolated;

data set urban area: DM is a specific set of data classified for a topic domain, business department, or user; the high availability, expandability and high performance of the data analysis and report form are ensured through the data marts;

application model layer: according to different data application displays, integrating to form different application models;

data presentation layer: means and channels for data application, and different application functions are established according to the requirements of report statistics analysis application.

2. The method of claim 1, wherein the processing is performed in a first financing process, a second financing process, and a third financing process, and wherein the financing result is generated based on the financing instruction:

acquiring comparison results of capital structure assessment data and target data of each member unit user, and sequencing each member unit user according to the data comparison results to obtain member sequencing results;

Editing a first financing plan according to a preset period, rechecking, approving and editing a second financing plan for the first financing plan, summarizing the second financing plan to obtain financing plans of all member unit users, and obtaining financing plan amounts of all member unit users according to approval of the financing plans of all member unit users;

the financing plan line of all member unit users and the member sequencing result are obtained, financing is carried out on all member unit users, the actual financing amount and the financing plan line are compared, and the first financing result is obtained according to the amount comparison result and the financing control mode;

the financing plan line of all member unit users and the member sequencing result are obtained, financing is carried out on all member unit users, the actual financing amount and the financing plan line are compared, and the second financing result is obtained according to the amount comparison result and the financing control mode;

the financing plan line of all member unit users and the member sequencing result are obtained, financing is carried out on all member unit users, the actual financing amount and the financing plan line are compared, and the third financing result is obtained according to the amount comparison result and the financing control mode;

And feeding back the first financing result, the second financing result and the third financing result to the member unit user.

3. The method of claim 1 wherein the obtaining the first, second, and third credit contracts based on the financing results and the verifying and approving the first, second, and third credit contracts and the credit business based on the approving results comprises:

under the condition that the category is determined to be an internal member unit user, acquiring a credit instruction sent by the member unit user, selecting a credit management scheme according to the credit instruction, and performing credit business on the credit instruction sent by the member unit user based on the credit management scheme to obtain a first credit result;

under the condition that the category is determined to be an overseas member unit user, acquiring a credit instruction sent by the member unit user, selecting a credit management scheme according to the credit instruction, and performing credit business on the credit instruction sent by the member unit user based on the credit management scheme to obtain a second credit result;

under the condition that the category is determined to be the overseas and overseas member unit users, acquiring a credit instruction sent by the member unit users, selecting a credit management scheme according to the credit instruction, and performing a credit business on the credit instruction sent by the member unit users based on the credit management scheme to obtain a third credit result;

And feeding back the first credit result, the second credit result and the third credit result to the member unit user.

4. The method as recited in claim 1, further comprising:

generating a visual view according to the financing result and the credit result; the method comprises the steps of,

providing a unified login verification function; the unified login verification function comprises a certificate and user name password dual authentication function; the portal subsystem is also used for providing approval function, task prompt function to be done, notice notification function and user data synchronization function for the user.

5. A financing management apparatus, comprising:

the result feedback module is used for feeding back the financing result and the credit result to the user;

the device is also for:

wherein the data model comprises: