1. Project background and goals
Usually, a specific commodity is purchased from raw materials, made into intermediate products and final products, and finally delivered to consumers through the sales network. In this process, suppliers, manufacturers, distributors, retailers, and even end customers can form a supply chain as a whole. In this supply chain, core enterprises with strong competitiveness and large scale often have strict requirements on upstream and downstream supporting enterprises in terms of delivery, price, account period and other trade conditions due to their strong position, thus putting great pressure on these enterprises. . Most of the upstream and downstream supporting enterprises are small and medium-sized enterprises, which have difficulty obtaining financing from banks. As a result, the capital chain is very tight and the entire supply chain is out of balance.
In order to serve small and medium-sized enterprise customers more efficiently, conveniently and steadily, Guizhou Rural Credit Co., Ltd. has launched Qiannongyun e-commerce platform (hereinafter referred to as Qiannongyun) on the basis of its existing loan and e-commerce services. , launching “exclusive credit” products. After the core enterprise obtains credit online, the small and medium-sized enterprises downstream of the supply chain obtain bank credit by bundling the credit with the core enterprise, and use special funds to purchase designated commodities under the core enterprise's "supply chain" store on the Qiannongyun e-commerce platform, thus
Second, innovation
Based on the current needs of supply chain finance, Guizhou Rural Credit Co., Ltd. has launched “Exclusive Credit Credit Co., Ltd.” by effectively integrating Qiannongyun’s loan and e-commerce businesses. "Loan products. The basic process is as follows: After granting credit to core enterprises in the supply chain offline, through Qiannongyun's e-commerce platform and self-operated credit loan products, banks can allocate dealers in the middle and lower reaches of the core enterprise's supply chain to Qiannongyun's e-commerce stores. Related customers, and allocate certain guarantee lines to related customers. Guaranteed amount ranges are available to distributors downstream in the supply chain.
Three. Characteristics of technical implementation
1. Adopt a microservice distributed architecture to split the original complex loan business logic into various lightweight microservices and sink them to the backend capability center as the infrastructure layer. Establish a flexible and efficient middle-end system to effectively support the rapid iteration of self-operated credit business.
2. Use the CSII PowerEngine 10.0 platform to build stable and high-performance channel usage services. Its main features include lightweight component containers (IOCs), distributed event buses, support tree automata, and responsibility chains. Management, support for fast access to multi-channel protocols, channel-oriented usage architecture design patterns based on dynamic services, etc. This enables us to provide customers with safe and reliable services in a high-concurrency environment.
3. Adopt grayscale publishing technology solutions suitable for Internet use. In response to the demand for rapid iterative release of server and client applications, Convenience Kuaidai can achieve server-side upgrades and revisions with coexistence of new and old versions and uninterrupted service. At the same time, the upgrade steps are simplified, the release time is greatly shortened, and business continuity and availability are met.
4. Various new monitoring methods are used to comprehensively monitor the use of clients and servers. For example, on the app side, use Tingyun probes to monitor the response speed and response time, on the server side, use Tiandan to monitor traffic, and on the server side, use Tingyun to monitor the health status of the system and detect abnormal states or behaviors in a timely manner. At the same time, the system visualizes various indicator data and conducts intelligent tracking and monitoring of the entire link, improving the stability and visibility of production and use.
Four. Project process management
1. Requirements analysis and outline design stage
This stage is from April 2020 to May 2020. It mainly completes the business needs analysis, business functions and technical framework. High-rise design. Submit the current demand analysis report, the outline design of each functional module, the outline design of the technical framework and interfaces, etc.
2. Detailed design phase of the system
This phase begins in May 2020 and ends in June 2020. During this period, the detailed design of the system is mainly completed, and Qiannong Cloud’s exclusive credit is granted Specification of requirements and other documents
This phase starts in July 2020 and ends in October 2020. During this period, the coding, testing and preparation for the pilot bank's production of self-operated credit development were completed, and documents such as self-operated credit test reports, production plans, and system settings were submitted.
4. Pilot bank online stage
This stage will be launched in October 2020. During this period, the pilot self-operated credit system of Longli Rural Commercial Bank has been online, and will be operated in the future according to the pilot bank's online operation. situation, and continue to put forward optimization requirements for promotion and implementation.
Verb (abbreviation of verb) operation
The product started trial operation at the end of October. Currently, an enterprise of Longli Rural Commercial Bank is accessing the system.
Effectiveness of the Intransitive Verb Project
Through the gradual promotion of this product, on the one hand, it can alleviate the financial difficulties of small and medium-sized enterprises in the commodity supply chain, and on the other hand, it can effectively expand Guizhou Rural Credit Union The business space of a joint-stock company can achieve mutual benefit between banks and enterprises.
Seven. Experience Summary
Through the construction of exclusive credit, a short version of supply chain finance is realized based on the e-commerce platform, which provides a certain basis for the later construction of a complete supply chain finance platform, enterprise service platform, and innovative online loan products. Data support enables us to more accurately analyze customers’ potential needs and improve the bank’s service levels. Related Q&A: How to register as a Guizhou Rural Credit Cooperative merchant?
The merchants of Guizhou Rural Credit Cooperatives in Guizhou Province should be inspected and recognized by the local credit union, and then reported to the higher-level authority. After approval, the local credit union supervisor will handle the registration procedures. Related questions and answers: Why is Guizhou referred to as "Qian"? What does "Qian" mean?
Guizhou is referred to as Guizhou or Guizhou. Many people think that "Qian" is derogatory for two reasons: first, the word "Guizhou" is first-of-its-kind; second, the idiom "Guizhou donkey has poor skills".
The synonym of Qianshou is Limin, that is, the common people. Some people say that the poor working people work under the sun all day long and their heads are tanned, so the rulers call the working people Guizhou heads, which means black-headed ghosts and country bumpkins, which is discriminatory. In fact, this is not the case. The common people were called "Qianshou" from the Qin State, and its official use began after Qin unified the country. "Historical Records: The Chronicles of Qin Shihuang" records that in the twenty-sixth year of Qin Shihuang (221 BC), he ordered to "rename the people to 'Qianshou'". This was one of the contents of the changed nominal property system after Qin unified China. Guizhou, black. The Qin imperial edict called the people "the head of Guizhou" because Qin was a water virtue, and the water virtue was black. It can be seen that the "Qian" in "Qianshou" just means black and has no direct relationship with Guizhou. Qianshou also refers to the common people all over the world, rather than specifically referring to the people in Guizhou. Guizhou is called Guizhou for another reason, which will be discussed later.
The donkey in Guizhou has no skills is an idiom, which comes from "Three Rings: The Donkey in Guizhou" by Liu Zongyuan of the Tang Dynasty. It means that the limited ability has been used up, and it has fallen into a situation where there is nothing to do and is ready to die. When Guizhou people see this idiom, they feel uncomfortable and think that they are being ridiculed as Guizhou people. In fact, there is no need to do so. Everyone knows the story of the donkey in Guizhou that failed. That donkey was not from Guizhou. There were no donkeys in Guizhou. As the saying goes, "There are no donkeys in Guizhou. Those who have good intentions can be brought in by boat." As far as Guizhou is concerned, donkeys are an alien species, and their characteristics of being huge and powerful outside have nothing to do with Guizhou people. On the contrary, there are tigers in Guizhou. They are not only ferocious, but also very smart. They are good at using exploratory methods to understand unfamiliar things instead of acting recklessly. Guizhou donkeys are not donkeys from Guizhou, but donkeys brought into Guizhou from outside. It was tigers from Guizhou that ate the imported donkeys. There is no need for Guizhou people to feel ridiculed, so "Qian" does not have a derogatory connotation here.
If the word "Guizhou" had a derogatory connotation, it would not be used as the abbreviation of Guizhou Province. After eliminating people's prejudices, let's take a look at what "Qian" actually means. "Shuowen": "Qian, Li also. Qin called the people the head of Guizhou, which means black. Zhou called the people of Li. It is said that the head is covered with a black scarf, so it is called the head of Guizhou." In fact, "Qian" comes from the black and now, and "Jin" actually means Jin Province, and "Jin" means the skirt of clothes. Since the clothing of many ethnic minorities in Guizhou is mainly black, the original meaning of "Guizhou" is black clothing, and by extension it refers to black in general. "Book of Changes" says: "Gen is a genus of Guizhou Beak." The Guizhou Beak here refers to the black beak or bird's beak, which symbolizes a mature color and is opposite to the "yellow mouth". In ancient times, this area of ??Guizhou was named "Qian", probably because the local ethnic groups were popular in black clothes and black headdresses.
We know that there are many ethnic minorities in Guizhou and Hunan, and this has been the case since ancient times. Among them, there are 17 ethnic minorities who have lived in Guizhou for generations, such as Miao, Dong, Yi, Tujia, She and so on. These ethnic minorities have one big thing in common, that is, although they have different ethnic groups, different languages, and different customs, their clothing and headwear are basically black or dark cyan.
Perhaps it is because the aboriginal residents of this land have been wearing black since ancient times, and their clothes are mostly black or dark blue, hence the name "Qian". Initially, there was a small place called "Qianzhong" in today's western Hunan and eastern Guizhou.
Central Guizhou originally belonged to the Chu State at the end of the Warring States Period. Later, the Qin State became powerful and occupied many territories of the Chu State, including central Guizhou. Qin State established Qianzhong County here. The scope of Qianzhong County includes most of the current border areas of Sichuan, Hunan, and Guizhou as well as western Hubei. The scope has been greatly expanded. In the Tang Dynasty, the Central Guizhou Road was established in present-day Hunan, Sichuan, and Guizhou, including most of today's Guizhou and small parts of Hunan, Hubei, and Chongqing. In the Tang Dynasty, Liu Zongyuan wrote an article "The Donkey of Guizhou", which formed a familiar idiom - the donkey of Guizhou has poor skills. In this way, as history continues to solidify the word "Qian", this land can no longer be separated from "Qian". This is why today Guizhou is called "Qian" for short.
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