1. The utility model provides an intelligent credit granting system towards science and technology type medium and small enterprise, includes credit granting system platform, its characterized in that: a receiving end of the credit granting system platform is in signal connection with a credit granting system client, and an output end of the credit granting system platform is in signal connection with a credit granting system auditing end;

the credit granting system audit end comprises a manual audit port and an intelligent system audit port, and the output end of the intelligent system audit port is connected with an intelligent credit granting server through signals.

2. The intelligent credit granting system for small scientific and technical enterprises as claimed in claim 1, wherein: the output end of the credit granting system auditing end is in signal connection with a management server, the wiring end of the management server is electrically connected with a decryption distribution module, and the wiring end of the decryption distribution module is electrically connected with an intelligent analysis module.

3. The intelligent credit granting system for small scientific and technical enterprises as claimed in claim 2, wherein: the output end of the intelligent analysis module is in signal connection with the receiving end of the manual auditing port, the intelligent analysis module is in signal connection with the receiving end of the intelligent credit granting server through the manual auditing port, and the output end of the intelligent analysis module is in signal connection with the intelligent system auditing port.

4. The intelligent credit granting system for small scientific and technical enterprises as claimed in claim 1, wherein: the client side of the credit granting system comprises a material acquisition module, the wiring end of the material acquisition module is electrically connected with an information modeling module, and the wiring end of the information modeling module is electrically connected with an information encryption module.

5. The intelligent credit system for small scientific and technical enterprises as claimed in claim 4, wherein: the terminal of the information encryption module is electrically connected with a real-time storage module, the terminal of the real-time storage module is electrically connected with an uploading module, and the output end of the uploading module is in signal connection with the receiving end of the credit granting system platform.

6. An intelligent credit granting method for scientific and medium-sized enterprises is characterized in that: the intelligent credit granting method for scientific and technological small and medium-sized enterprises comprises the following steps:

firstly, a client collects uploading materials;

step two, distributing the credit granting system platform in a classified manner;

thirdly, auditing by an auditing end of the credit granting system;

step four, credit analysis and evaluation;

and step five, allocating the credit line.

7. The intelligent credit granting method for small scientific and technological enterprises according to claim 6, wherein: the fourth step also comprises: the credit analysis and the evaluation are carried out through the cooperation of the intelligent analysis module and the intelligent credit granting server, the intelligent analysis module firstly sends the material information to an intelligent system auditing port, if the auditing is passed, the material information is sent to the intelligent credit granting server for allocating credit amount, and if the auditing is failed, the material information is fed back to the intelligent analysis module.

8. The intelligent credit granting method for small scientific and technological enterprises according to claim 7, wherein: the intelligent analysis module sends the material information which fails to be checked to the manual checking port for secondary supplementary checking, if the checking is successful, the material information is sent to the intelligent credit granting server for allocation of credit granting amount, the checking failure is rejected to the credit granting system platform, and the credit granting system platform feeds back the material information to the credit granting system client.

Background

The credit granting refers to the fund directly provided by the commercial bank to the non-financial institution customer, or the guarantee made on the possible compensation and payment responsibility of the customer in the related economic activities, including the services of loan, trade financing, bill financing, financing lease, overdraft, various payment charges, etc., in brief, the credit granting refers to the act of directly providing the customer with the fund support or making the guarantee to the third party for the credit of the customer in the related economic activities, but the credit granting for the medium and small enterprises also has an extremely important position in the whole economic field, and the whole act of the credit granting is mostly carried out by using a credit granting system.

The following problems exist in the prior art:

1. when the existing credit granting system is used for auditing user data, because most credit granting systems rely on manual auditing, errors are easy to occur, and the efficiency of credit granting auditing is low, so that the utilization efficiency of the credit granting system is reduced and the use cost is increased;

2. the data uploading of most credit granting systems is not supervised, and meanwhile, the management intensity is weak, so careless mistakes are easy to occur in the overall auditing process, the secret leakage condition is caused, the information safety of users is influenced, and the safety of the credit granting systems is reduced.

Disclosure of Invention

The invention provides an intelligent credit granting system and method for scientific and technical small and medium-sized enterprises, wherein one purpose is to have multi-mode auditing capability and solve the problems that errors are easy to occur and the credit granting and auditing efficiency is low because most credit granting systems rely on manual auditing; the other purpose is to solve the problems that data uploading of a plurality of credit granting systems is not supervised, management is weak, careless mistakes are easy to occur in the whole auditing process, so that secret leakage occurs, and information safety of users is affected, so that the effects of improving the safety of the credit granting systems and reducing information leakage risks are achieved.

In order to solve the technical problems, the technical scheme adopted by the invention is as follows:

an intelligent credit granting system for scientific and medium-sized enterprises comprises a credit granting system platform, wherein a receiving end of the credit granting system platform is connected with a credit granting system client through a signal, and an output end of the credit granting system platform is connected with a credit granting system auditing end through a signal.

The credit granting system audit end comprises a manual audit port and an intelligent system audit port, and the output end of the intelligent system audit port is connected with an intelligent credit granting server through signals.

The technical scheme of the invention is further improved as follows: the output end of the credit granting system auditing end is in signal connection with a management server, the wiring end of the management server is electrically connected with a decryption distribution module, and the wiring end of the decryption distribution module is electrically connected with an intelligent analysis module.

By adopting the technical scheme, the management server, the decryption distribution module and the intelligent analysis module in the scheme are matched together to manage and intelligently analyze the information of the credit granting materials.

The technical scheme of the invention is further improved as follows: the output end of the intelligent analysis module is in signal connection with the receiving end of the manual auditing port, the intelligent analysis module is in signal connection with the receiving end of the intelligent credit granting server through the manual auditing port, and the output end of the intelligent analysis module is in signal connection with the intelligent system auditing port.

By adopting the technical scheme, the intelligent analysis module, the manual auditing port, the intelligent system auditing port and the intelligent credit granting server in the scheme are matched together, so that a manual and system matched double-material auditing mode is realized, and errors generated during auditing are reduced.

The technical scheme of the invention is further improved as follows: the client side of the credit granting system comprises a material acquisition module, the wiring end of the material acquisition module is electrically connected with an information modeling module, and the wiring end of the information modeling module is electrically connected with an information encryption module.

By adopting the technical scheme, the credit granting system client, the material acquisition module, the information modeling module and the information encryption module in the scheme are matched together to perform modeling processing on information, so that the intuitiveness of auditing is guaranteed, and meanwhile, the information security is guaranteed by matching with the information encryption module.

The technical scheme of the invention is further improved as follows: the terminal of the information encryption module is electrically connected with a real-time storage module, the terminal of the real-time storage module is electrically connected with an uploading module, and the output end of the uploading module is in signal connection with the receiving end of the credit granting system platform.

By adopting the technical scheme, the information encryption module, the real-time storage module, the uploading module and the credit granting system platform in the scheme are matched together, so that the efficiency and the progress of information auditing and transmission are ensured.

The invention also provides another technical scheme as follows: an intelligent credit granting method for science and technology type small and medium enterprises comprises the following steps:

firstly, a client collects uploading materials;

step two, distributing the credit granting system platform in a classified manner;

thirdly, auditing by an auditing end of the credit granting system;

step four, credit analysis and evaluation;

and step five, allocating the credit line.

The technical scheme of the invention is further improved as follows: the fourth step also comprises: the credit analysis and the evaluation are carried out through the cooperation of the intelligent analysis module and the intelligent credit granting server, the intelligent analysis module firstly sends the material information to an intelligent system auditing port, if the auditing is passed, the material information is sent to the intelligent credit granting server for allocating credit amount, and if the auditing is failed, the material information is fed back to the intelligent analysis module.

By adopting the technical scheme, the intelligent analysis module in the scheme feeds back the audit failure to the intelligent analysis module, so that the stability of the whole audit process is improved, and the audit intensity of an audit system architecture is guaranteed.

The technical scheme of the invention is further improved as follows: the intelligent analysis module sends the material information which fails to be checked to the manual checking port for secondary supplementary checking, if the checking is successful, the material information is sent to the intelligent credit granting server for allocation of credit granting amount, the checking failure is rejected to the credit granting system platform, and the credit granting system platform feeds back the material information to the credit granting system client.

By adopting the technical scheme, the manual auditing port in the scheme carries out secondary supplementary auditing, reduces errors generated by auditing and improves auditing precision.

Due to the adoption of the technical scheme, compared with the prior art, the invention has the technical progress that:

1. according to the invention, through the cooperation of the manual auditing port, the intelligent system auditing port, the intelligent credit granting server, the management server, the decryption distribution module and the intelligent analysis module, the manual auditing port and the intelligent system auditing port are matched, so that the auditing channel is increased, the auditing accuracy and efficiency are ensured, the decryption distribution module is matched with the intelligent analysis module to perform intelligent analysis on the credit granting material information, the difficulty and error in auditing are reduced, the problems that most credit granting systems rely on manual auditing, errors are easy to occur and the credit granting auditing efficiency is low are solved, the utilization efficiency of the credit granting system is improved, and the use cost is reduced.

2. According to the invention, through the cooperation of the credit granting system client, the material acquisition module, the information modeling module, the information encryption module, the real-time storage module and the uploading module, the difficulty in information acquisition and the difficulty in identification are reduced through the cooperation of the information modeling module and the material acquisition module, the safety in the information auditing process is enhanced by utilizing the cooperation of the information encryption module and the real-time storage module, the problems that the information safety of a user is influenced due to the fact that the uploading of data of most credit granting systems is not supervised and the management is weaker and the leakage occurs easily in the overall auditing process so as to cause the leakage situation are avoided, the safety of the credit granting system is improved, and the risk of information leakage is reduced.

3. According to the invention, the intelligent analysis module, the intelligent credit granting server, the intelligent system audit port and the intelligent credit granting server are matched, and the intelligent analysis module and the intelligent system audit port are matched to carry out one-time audit on credit granting materials, so that the labor consumption during audit is reduced, and the stability of the overall architecture of the audit system is further ensured.

4. According to the invention, through the cooperation of the intelligent analysis module, the manual audit port, the intelligent credit granting server, the credit granting system platform and the credit granting system client, the cooperation of the intelligent analysis module and the manual audit port is utilized to carry out secondary audit, the credit granting materials which fail in primary audit are subjected to secondary audit, the workload of audit is reduced, the accuracy of audit is improved, and the credit granting service is carried out to the greatest extent and accurately when the credit granting system faces to small and medium-sized scientific enterprises.

Drawings

FIG. 1 is a system flow diagram of the present invention;

FIG. 2 is a block diagram of a client side of the trust system of the present invention;

FIG. 3 is a block diagram of an audit end of the trust system of the present invention;

FIG. 4 is a flow chart of a method of use of the system of the present invention;

FIG. 5 is a flow chart of credit analysis and evaluation according to the present invention.

Detailed Description

The present invention will be described in further detail with reference to the following examples:

example 1

As shown in FIG. 1 and FIG. 3, the invention provides an intelligent credit granting system for small and medium sized scientific enterprises, which comprises a credit granting system platform, wherein the receiving end of the credit granting system platform is in signal connection with a credit granting system client, the output end of the credit granting system platform is in signal connection with a credit granting system auditing end, the credit granting system auditing end comprises an artificial auditing port and an intelligent system auditing port, through the dual-channel design of the artificial auditing port and the intelligent system auditing port, the auditing efficiency is improved, errors generated during auditing are reduced, the expenditure of auditing flow is further reduced, the output end of the intelligent system auditing port is in signal connection with an intelligent credit granting server, the output end of the credit granting system auditing end is in signal connection with a management server, the terminal of the management server is in electrical connection with a decryption distribution module, and the terminal of the decryption distribution module is in electrical connection with an intelligent analysis module, by means of the matching of the decryption distribution module and the intelligent analysis module, the auditing analysis strength is improved, the auditing difficulty is reduced, and the auditing rate of the credit granting system is guaranteed.

Example 2

As shown in fig. 1-3, on the basis of embodiment 1, the present invention provides a technical solution: preferably, the client of the credit granting system comprises a material acquisition module, a wiring terminal of the material acquisition module is electrically connected with an information modeling module, the difficulty of information acquisition is reduced by matching the material acquisition module with the information modeling module, meanwhile, the modeled design is utilized to enable the checked information framework to be more visual and clear, the difficulty of checking is further reduced, the wiring terminal of the information modeling module is electrically connected with an information encryption module, the wiring terminal of the information encryption module is electrically connected with a real-time storage module, the wiring terminal of the real-time storage module is electrically connected with an uploading module, the output end of the uploading module is in signal connection with the receiving end of the credit granting system platform, data is backed up and stored in real time by matching the information encryption module with the real-time storage module, and meanwhile, the information encryption module is utilized to guarantee the information safety in the information checking process, and the security level of the user information is improved.

Example 3

As shown in fig. 1-5, on the basis of embodiments 1 and 2, the present invention provides an intelligent credit granting method for small and medium-sized scientific and technological enterprises, which includes the following steps:

firstly, a client collects uploading materials;

step two, distributing the credit granting system platform in a classified manner;

thirdly, auditing by an auditing end of the credit granting system;

fourthly, credit analysis and evaluation, specifically comprising: the credit analysis and evaluation are carried out by the cooperation of an intelligent analysis module and an intelligent credit granting server, the intelligent analysis module firstly sends material information to an intelligent system audit port, if the audit is passed, the material information is sent to the intelligent credit granting server to distribute credit granting amount, the intelligent analysis module is matched with the intelligent system audit port to reduce the labor cost consumption generated in the audit process and improve the audit efficiency, if the audit fails, the material information which fails to be audited is fed back to the intelligent analysis module, the intelligent analysis module sends the material information which fails to be audited to the manual audit port to carry out secondary supplementary audit, if the audit succeeds, the material information is sent to the intelligent credit granting server to distribute the credit granting amount, the audit failure is rejected to a credit granting system platform, the material information is fed back to a credit granting system client by the credit granting system platform, and secondary supplementary audit of the manual audit port is matched, and the audit error of the audit is further reduced, the precision of the auditing process is ensured, and the quality of the credit granting service is improved;

and step five, allocating the credit line.

As shown in fig. 1-5, when in use, firstly, user information is collected through a material collection module in a client of a credit system, the information is modeled by matching with an information modeling module, then, the information is encrypted by using an information encryption module and stored and uploaded, then, the encrypted information material is sent to a credit system auditing end through a credit system platform, the credit material is classified and distributed by using a management server and a decryption distribution module, then, the credit material is sent to an intelligent system auditing port for auditing by using an intelligent analysis module, if the auditing is passed, the credit material is sent to an intelligent credit server for allocating credit, if the auditing is failed, the credit is fed back to the intelligent analysis module, then, the manual auditing port is used for secondary auditing, the material is re-audited, if the auditing is passed, the credit is sent to the intelligent credit server for allocating credit, and returning the approval failure to the credit granting system platform, and feeding back the approval failure to the client of the credit granting system by the credit granting system platform to supervise and prompt the user to modify the material.

The present invention has been described in general terms in the foregoing, but it will be apparent to those skilled in the art that modifications and improvements can be made thereto based on the present invention. Therefore, modifications or improvements are within the scope of the invention without departing from the spirit of the inventive concept.