CN106570755A - Asset monetization method and asset monetization system - Google Patents
Asset monetization method and asset monetization system Download PDFInfo
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- CN106570755A CN106570755A CN201610991228.0A CN201610991228A CN106570755A CN 106570755 A CN106570755 A CN 106570755A CN 201610991228 A CN201610991228 A CN 201610991228A CN 106570755 A CN106570755 A CN 106570755A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/08—Auctions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/10—Tax strategies
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Abstract
The invention discloses an asset monetization method. The asset monetization method comprises the following steps of (1) obtaining data from databases of a real estate registration management department and an insurance agency by utilizing a data exchange module; (2) confirming whether an asset monetization applicant has finished real estate maximum mortgage procedures and real estate insurance procedures with a corresponding period by utilizing a data confirmation module; (3) if the asset monetization applicant has finished the real estate mortgage (maximum mortgage procedures) and the real estate insurance procedures with the corresponding period, carrying out credit granting on the real estate asset monetization applicant through a credit granting module; and (4) storing the credit granting information of the real estate asset monetization applicant in a credit database. The invention discloses an asset monetization system which comprises the data exchange module, the data confirmation module, the credit granting module, the credit database and a data exchange medium. The asset monetization system provided by the invention is convenient for monetization of fixed assets of multiple enterprises and natural persons who have certain real estates.
Description
Technical field
The present invention relates to financial institution's work system field, and in particular to a kind of assets currency method and assets currency
System.
Background technology
At present, many enterprises, natural person have certain real estate, but these real estates are not monetized, and are not given
Their foundation and life brings benefit.From from the point of view of social entirety, wealth is wasted；From the possessory angle of real estate
See, it is impossible to the fruits are obtained from assets.Meanwhile, many enterprises, natural person are complicated to bank's application loan formality, time-consuming a lot of,
The enthusiasm of its foundation is had a strong impact on, has also been made troubles to its life.The problems demand is solved.
The content of the invention
To solve above-mentioned technical problem, the present invention proposes a kind of assets currency method and assets currency system, is easy to
The fixed assets monetization that bank will have certain praedial many enterprises, natural person.Its technical scheme is：
A kind of assets currency method, comprises the steps,
（1）Data are obtained in data base using data exchange module and Immovable Property Registration administration section and insurance institution；
（2）Confirm the mortgage formality of real estate maximum amount and the immovable insurance formality in correspondence time limit using data validation module；
（3）If assets currency applicant has completed the mortgage formality of real estate maximum amount and the immovable insurance handss in correspondence time limit
It is continuous, then credit is carried out to real estate assets currency applicant by credit module；
（4）The credit information of real estate assets currency applicant is stored in credit data base；
（5）Credit data base be connected with data exchange medium, and data exchange medium can be by financial account system and other gold
Melt mechanism's connection；Credit data base is also connected with taxation authority data base and tax computing module；
（6）The data management system of other financial institutions is connected by data exchange module with credit data base.
A kind of assets currency system, the assets currency system includes data exchange module, data validation module, awards
Letter module, credit data base, data exchange medium；
The data exchange module and Immovable Property Registration division data storehouse, insurance institution data base and other financial institution data pipes
Reason system carries out data exchange；
The data validation module confirms to the data in Immovable Property Registration division data storehouse and insurance institution data base；
The credit module carries out credit to the assets currency client confirmed by data validation module；
The assets currency data of the in store assets currency client of credit data base；Credit data base also with taxation authority's data
Storehouse and tax computing module connect；
Credit data base is connected by data exchange medium with other financial institution data management systems.
3rd, a kind of assets currency system according to claim 2, it is characterised in that：The data exchange medium is
Magnetic card or chip card.
When having certain praedial many enterprises, natural person to apply for assets currency business to bank, the applicant's palpus
Arrive first Immovable Property Registration administration section handle maximum amount mortgage formality, will its real estate mortgage to bank.The assets of the present invention
Monetization system is by data exchange module periodically or non-periodically from exchange data in the data base of real estate registration authorities.Work as number
The applicant is confirmed according to confirmation module handled finish the mortgage formality of real estate maximum amount and the real estate in correspondence time limit guarantor already
Dangerous formality, credit module will carry out credit to the applicant.The all of woods power of assets currency applicant, mining right, house property, friendship
The real estates such as logical instrument have the right lose risk, this be accomplished by data validation module confirm assets currency applicant mortgaged
Real estate whether through insurance.If during assets currency, real estate is loss, and perfect insurance formality can be with
So that the real estate loss obtains an indemnity.Generally, credit module can give according to the praedial value of applicant and service life
Maximum amount credit in the corresponding time limit, for example, 1,000,000 building property mortgage can be with the money-capital of credit 400,000.Credit is completed
Afterwards, the credit data of the applicant will be stored in credit data base, while the credit data in credit data base can pass through
Data exchange medium and other financial institution data management system exchange datas.High-ranking military officer applicant gets magnetic card or chip card
Afterwards, it is possible to which snapping into market, restaurant, enterprise etc. by the magnetic card or chip needs the place of monetary settlement to carry out currency knot
Calculate.Settlement data can be passed to its bank of deposit by the settlement system, the assets currency system that its bank of deposit passes through the present invention
In data exchange module and credit data base carry out data exchange.Credit data base also with taxation authority data base and tax meter
Calculate module connection；If applicant can not in time to the bank such as the bank paying fee and/or interest fee charged, bank will be to
The real estate of applicant is auctioned in Judicial office application, and now tax computing module will calculate the tax of the real estate sales/purchase, just
In searching assignee；The dealing information data can also be passed to taxation authority by bank, be easy to taxation authority to levy taxes.
Description of the drawings
Fig. 1 is data flow schematic diagram of the present invention.
Specific embodiment
As shown in figure 1, a kind of assets currency method, comprises the steps,
（1）Data are obtained in data base using data exchange module and Immovable Property Registration administration section and insurance institution；
（2）Using data validation module confirm assets currency applicant whether completed real estate maximum amount mortgage formality and
The immovable insurance formality in correspondence time limit；
（3）If assets currency applicant has completed the mortgage formality of real estate maximum amount and the immovable insurance handss in correspondence time limit
It is continuous, then credit is carried out to real estate assets currency applicant by credit module；
（4）The credit information of real estate assets currency applicant is stored in credit data base；
（5）Credit data base be connected with data exchange medium, and data exchange medium can be by financial account system and other gold
Melt mechanism's connection；Credit data base is also connected with taxation authority data base and tax computing module；
（6）The data management system of other financial institutions is connected by data exchange module with credit data base.
A kind of assets currency system include data exchange module, data validation module, credit module, credit data base,
Data exchange medium；
The data exchange module and Immovable Property Registration division data storehouse, insurance institution data base and other financial institution data pipes
Reason system carries out data exchange；
The data validation module confirms to the data in Immovable Property Registration division data storehouse and insurance institution data base；
The credit module carries out credit to the assets currency client confirmed by data validation module；
The assets currency data of the in store assets currency client of credit data base；Credit data base also with taxation authority's data
Storehouse and tax computing module connect；
Credit data base is connected by data exchange medium with other financial institution data management systems.
Further, the data exchange medium is magnetic card or chip card.
Data exchange module, has been ripe module in this area, those skilled in the art no matter self manufacture or
All extremely convenients are bought to market.
Data validation module, has been ripe module in this area, those skilled in the art no matter self manufacture or
All extremely convenients are bought to market.Patent No. " 200310112592.8 ", patent name is " a kind of confirmation data integrity
The patent of system and method " discloses a kind of technology of data validation, can be used for the data validation module of the present invention.
Credit module, its essence is that finance data is calculated, according to the real estate that assets currency applicant mortgages
Value and the service life give maximum amount credit in the corresponding time limit, its calculation is typically multiplied by real estate value
One percent.For example, 1,000,000 building property mortgage, is multiplied by 40%, can be with the money-capital of credit 400,000.Patent No.
" 201410722408.X ", patent name is " a kind of finance data computational methods and device ", discloses a kind of finance data meter
Calculation technology, can be used for the data validation module of the present invention.
Claims (3)
1. a kind of assets currency method, it is characterised in that：Comprise the steps,
（1）Data are obtained in data base using data exchange module and Immovable Property Registration administration section and insurance institution；
（2）Using data validation module confirm assets currency applicant whether completed real estate maximum amount mortgage formality and
The immovable insurance formality in correspondence time limit；
（3）If assets currency applicant has completed the mortgage formality of real estate maximum amount and the immovable insurance handss in correspondence time limit
It is continuous, then credit is carried out to real estate assets currency applicant by credit module；
（4）The credit information of real estate assets currency applicant is stored in credit data base；
（5）Credit data base be connected with data exchange medium, and data exchange medium can be by financial account system and other gold
Melt mechanism's connection；Credit data base is also connected with taxation authority data base and tax computing module；
（6）The data management system of other financial institutions is connected by data exchange module with credit data base.
2. a kind of assets currency system, it is characterised in that：The assets currency system includes that data exchange module, data are true
Recognize module, credit module, credit data base, data exchange medium；
The data exchange module and Immovable Property Registration division data storehouse, insurance institution data base and other financial institution data pipes
Reason system carries out data exchange；
The data validation module confirms to the data in Immovable Property Registration division data storehouse and insurance institution data base；
The credit module carries out credit to the assets currency client confirmed by data validation module；
The assets currency data of the in store assets currency client of credit data base；Credit data base also with taxation authority's data
Storehouse and tax computing module connect；
Credit data base is connected by data exchange medium with other financial institution data management systems.
3. a kind of assets currency system according to claim 2, it is characterised in that：The data exchange medium is magnetic card
Or chip card.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610991228.0A CN106570755A (en) | 2016-11-11 | 2016-11-11 | Asset monetization method and asset monetization system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610991228.0A CN106570755A (en) | 2016-11-11 | 2016-11-11 | Asset monetization method and asset monetization system |
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| Publication Number | Publication Date |
|---|---|
| CN106570755A true CN106570755A (en) | 2017-04-19 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610991228.0A Pending CN106570755A (en) | 2016-11-11 | 2016-11-11 | Asset monetization method and asset monetization system |
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20060095367A1 (en) * | 2004-09-23 | 2006-05-04 | Jorn Iverson | System and method of supply chain procurement, settlement and finance |
| CN105469302A (en) * | 2015-12-09 | 2016-04-06 | 上海信联商贸发展有限公司 | Internet of things annular smart financial service system and method |
| CN105761144A (en) * | 2016-02-23 | 2016-07-13 | 刘家旺 | Asset monetization method and asset monetization system |
-
2016
- 2016-11-11 CN CN201610991228.0A patent/CN106570755A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20060095367A1 (en) * | 2004-09-23 | 2006-05-04 | Jorn Iverson | System and method of supply chain procurement, settlement and finance |
| CN105469302A (en) * | 2015-12-09 | 2016-04-06 | 上海信联商贸发展有限公司 | Internet of things annular smart financial service system and method |
| CN105761144A (en) * | 2016-02-23 | 2016-07-13 | 刘家旺 | Asset monetization method and asset monetization system |
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Application publication date: 20170419 |