CA2987301A1

CA2987301A1 - Funds lending transaction method and system

Info

Publication number: CA2987301A1
Application number: CA2987301A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2015-05-29
Filing date: 2015-05-29
Publication date: 2016-12-08
Anticipated expiration: 2035-05-29
Also published as: CA2987301C; WO2016191979A1

Abstract

Disclosed are a funds lending transaction method and system. The method comprises: a second funds management server generates a bank credit certificate using a second participant funds as a deposit wherein the bank credit certificate includes a loan amount equal to the freezing funds in second participant account, and sends the bank credit certificate to a first funds management server where a first participant is located; the first funds management server grants loan funds to the first participant wherein the loan funds equal to the loan amount of the bank credit certificate; the first funds management server receives a first repaid part of the loan amount from the first participant and sends a repayment notice to the second funds management server which then unfreezes a first part of the freezing funds equal to the repaid part of the loan amount in the second participant account.

Description

Title: Funds Lending Transaction Method And System Technical Field [0001] The present invention belongs to the field of financial technology, and in particular, to a method and system for lending funds.
Background Technology

[0002] Traditional lending generally refers to a way in which funds are lent to the debtor to receive fixed income, mainly including bank lending and private lending. When the debtor initiates the settlement requirement and the creditor intends to lend to the debtor, the two parties shall reach a loan transaction by oral or written agreement. If the debtor repays the loan according to the agreed term, the creditor receives the loan principal and interest if the debtor fails to repay as per agreed term, its recovery period will be extended without limitation. The advantage of traditional borrowing is that there is a fixed income, but because of the lack of fmancial guarantee and regulatory mechanisms, especially in private lending activities, the repayment period is extended indefinitely, or the direct lender is difficult to recover the loan frequently, resulting in the proliferation of borrowing default, and the lender's loan funds are not safeguarded. Moreover, during the period when the funds are lent to the debtor from the creditors, the funds are no longer owned by the creditors and the creditors do not have any income during the period.

[0003] Thus, at this stage, an improved method of borrowing and lending transactions is needed to reduce the risk of loan funds and increase the profits of creditors, making loan trading safer.
Technical problem

[0004] In view of the above, the present invention provides a method and system for funds lending transactions to solve the technical problems existing in the transactions that the risk of loan funds is difficult to control and the proceeds of creditors are difficult to be guaranteed.
Problem solving solution Technical solutions

[0005] In order to solve the above technical problems, the present invention is implemented as follows:

[0006] According to one aspect of the present invention, there is a method of funds lending and transaction comprising the steps of:

[0007] The Second Participant sends a request for opening a Bank Credit Certificate to the second Funds-Management server;

I I

[0008] The second Funds-Management server takes the Second Participant account funds or credit limit as a deposit to open a Bank Credit Certificate, and the Bank Credit Certificate is sent to the First Participant's the first Funds-Management server;

[0009] According to the Bank Credit Certificate, the first Funds-Management server issues the corresponding amount of loan funds to the First Participant;

[0010] After the first Funds-Management server receives the payment from the First Participant, it sends a repayment notification to the second Funds-Management server.

[0011] The second Funds-Management server unfreezes the corresponding frozen funds of the Bank Credit Certificate according to the repayment amount, and allocates the interest of the loan and the interest of the deposits during the fund freeze according to a pre-set rule to the Second Participant account and the first funds management account.

[0012] According to another aspect of this invention, there is a funds lending transactions method, and the method is comprised by following steps:

[0013] After receiving the Bank Credit Certificate opened by the Second Participant, the Bank Credit Certificate will be taken as guarantee and issued appropriate amount of loan funds;
to the First Participant

[0014] If the First Participant receives repayments within the pre-set repayment period, the freezing of funds corresponding to the Bank Credit Certificate is unfrozen and the loan interest and interest of deposits during the financial freeze are distributed to the Second Participant account and the fund management account according to a pre-set rule.

[0015] According to another aspect of the present invention, there is a funds lending and transaction system, which includes the following modules: an issuance request module located at a second terminal, an issuance processing module located at a second Funds-Management server, a loan processing module, a loan processing module located in the first Funds-Management server and a first loan repayment processing module, wherein:

[0016] An issuance request module is configured to send a request for opening a Bank Credit Certificate guarantee loan to a second Funds-Management server;

[0017] Issuance processing module is set as the second Funds-Management server takes the Second Participant account funds or credit limit as a deposit to open a Bank Credit Certificate, and the Bank Credit Certificate is sent to the First Participant's the first funds Management server;

[0018] The lending processing module is configured to issue loan funds of a corresponding amount to the First Participant according as per the Bank Credit Certificate;

[0019] The first loan repayment processing module is configured to send a repayment notice to the second Funds-Management server after receiving payment from the First Participant;

I I

[0020] The second loan repayment processing module is configured to unfreeze the frozen funds corresponding to the Bank Credit Certificate according to the repayment amount and allocate the loan interest and the deposit interest of funds freezing period to the Second Participant account and the first funds management account.

[0021] According to an aspect of the present invention, there is a funds lending system for use in a Funds-Management server, and the system includes lending processing module and loan repayment processing module, wherein:

[0022] The lending processing module is set to receive the Bank Credit Certificate applied by the Second Participant application and opened by the Funds-Management server, the Bank Credit Certificate guarantee is used to issue the corresponding amount of loan funds to the First Participant;

[0023] The loan repayment processing module is further provided to: if the repayment from the First Participant is received within the pre-set requesting payment period, the frozen funds corresponding to the Bank Credit Certificate are unfrozen; the loan interest and deposit interest of the freezing period will be allocated in the Second Participant account and the funds management account as per the pre-set rules.
The beneficial effect of the invention Beneficial effect

[0024] The present invention provides a lending method and a lending system which makes the fund management institution be an actual lender by pulling the funds management institution into the lending transaction process, and the data processing becomes more safe and convenient. The introduction of the Bank Credit Certificate for guarantee lending transactions will not affect the Second Participant's interest in deposits, safeguarding the interests of the Second Participant.
A brief description of the drawings Brief Description

[0025] Figure 1 is a flow chart of a funds lending transactions method provided by an example of the present invention;

[0026] Figure 2 is a flow chart of another method of funds lending transactions method provided by an example of the present invention.

[0027] Figure 3 is a flow chart of a funds lending transactions method provided by an example of the present invention;

[0028] Figure 4 is a module structure diagram of a funds lending transactions system provided in an example of the present invention.

[0029] Figure 5 is a module structure diagram of a funds transactions system provided in an I I

example of the present invention.

[0030] Figure 6 is a module structure diagram of a funds lending transactions system provided in an example of the present invention.
Examples of the Invention Implementation pattern of the present invention

[0031] To make the technical problems, technical solutions and advantages more apparent and clear, the present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific examples described herein are merely illustrative of the invention and are not intended to limit the invention.

[0032] In the present invention, the First Participant is the borrower. The Second Participant is an individual or organization that intends to initiate a loan intention with the First Participant, but has secured a guarantee in the actual lending transaction. A fund management institution is a financial institution that supports capital flows and transactions and acts as a lender in a loan transaction. Among them, the Bank Credit Certificate is the Second Participant to its account funds or credit limit as a deposit to the Funds-Management server and by the Funds-Management server to open the electronic commitment payment certificate. The Bank Credit Certificate is the funds management institution promised to pay in accordance with the conditions of settlement and payment of electronic credit credentials. The Bank Credit Certificate can not only use for buying goods, can also be used for mortgage guarantees. A fund management institution is an institution that can support capital flows, including but not limited to banks and other financial institutions (such as securities institutions). Correspondingly, the Funds-Management server includes a bank server or other financial institution server. The fund management account includes a bank loan account or other financial institution loan account. The fund management credit system includes the People's Bank credit system or other financial institution credit system.

[0033] Example 1

[0034] As shown in Figure 1, an example of the present invention provides a funds lending transactions method, which comprises the following steps:

[0035] S101, the Second Participant sends a request for opening a Bank Credit Certificate to the second Funds-Management server.

[0036] Specifically, the Second Participant is a person who holds the fund and has the intention of lending. After reaching an agreement through the online or e-commerce platform to respond to the loan demand of the First Participant online, the Second Participant uses the account funds or credit limit as credit guarantee and applies to the fund management I I

institution to open the electronic commitment payment certificate. E-commerce platform for the loan bank's e-commerce platform can also be a third-party e-commerce platform with business cooperation relationship.

[0037] S102, the second Funds-Management server opens the Bank Credit Certificate with the Second Participant account funds or the credit limit as the deposit, and sends the Bank Credit Certificate to the first Funds-Management server where the First Participant is located.

[0038] Specifically, the second Funds-Management server generates the Bank Credit Certificate with the Second Participant account funds or the credit limit as the deposit, and simultaneously, the account funds or credit limit of the Second Participant in the second fund management institution are frozen. It should be noted that the Second Participant's Bank Credit Certificate is frozen, the funds are still in the Second Participant's account, but the funds are in an unusable state, but it does not affect the Second Participant's current interest collection during the freezing period. For example, the balance of the second-party account is 300,000, and 200,000 Bank Credit Certificates are issued to the Funds-Management server and frozen. However, the Funds-Management server still calculates the deposit interest on the balance of funds of 300,000, or the Funds-Management server uses 100,000 of the balance of funds to calculate the Second Participant deposit interest, and the Bank Credit Certificate's funds deposit interest during the freezing period will be calculated separately.

[0039] S103, the first Funds-Management server issues the corresponding amount of loan funds to the First Participant according to Bank Credit Certificate.

[0040] Specifically, the First Participant issues loans in accordance with the Bank Credit Certificate attached the loan term and agreed loan interest conditions, of which the amount of loan funds is equal to the freezing funds associated with the Bank Credit Certificate.

[0041] S104, after receiving the repayment from the First Participant, the first Funds-Management server sends a repayment notice to the second Funds-Management server.

[0042] Specifically, the first Funds-Management server receives the repayments of the First Participant account within a predetermined repayment period, and the repayment amount includes the full repayment or the partial repayment. If the Funds-Management server receives the First Participant account's full amount of principal and all loan interest, then the First Participant shall be considered for repayment in full. At this time, all the funds of the Bank Credit Certificate will be unfreeze and the Second Participant will be assigned the deposit interests during the freezing period of the Bank Credit Certificate, but also including some of the agreed loan interest distribution. The repayments received from the First Participant include the following cases: the full repayment has received from the First Participant within the repayment period, part of repayment has been received from the First Participant within the pre-set repayment period, the remaining repayment has been received from the First Participant within the pre-set repayment period, the full amount of repayment has been received from the First Participant within the pre-set requesting payment period, part of repayment has been received from the First Participant within the pre-set requesting payment period, part of freezing funds corresponding to the Bank Credit Certificate is unfrozen or the remaining repayment has been received from the First Participant within the pre-set requesting payment period.

[0043] S105, the second Funds-Management server unfreezes the corresponding frozen funds of the Bank Credit Certificate according to the repayment amount, and allocates the interest of the loan and the interest of the deposits during the fund freeze according to a pre-set rule in the Second Participant account and the funds management account.

[0044] Specifically, the second Funds-Management server unfreezes a part of the frozen funds corresponding to the Bank Credit Certificate. At the same time, part of the unfrozen funds and the corresponding deposit interest will automatically become available in the account of the Second Participant while the remaining funds of the unfreeze Bank Credit Certificate remain frozen.

[0045] As a preferred example, in order to request repayment to the First Participant, the above method may further include:

[0046] After the first Funds-Management server has not received the remaining repayments beyond the pre-set repayment deadline, it is request the First Participant for repayment within the pre-set repayment deadline.

[0047] Specifically, the requesting payment notification may be specifically configured to perform requesting payment by any one or more of the following: dialling the First Participant's default telephone number or mobile phone, sending e-mail notification to the First Participant E-mail, pushing message to the registered software program client of the First Participant, sending SMS notification to the present mobile number of the First Participant, sending message to the QQ number of the First Participant, or sending message to the Wechat number of the First Participant.

[0048] As another preferred example, in order to increase the cost for the First Participant to postpone the repayment, the above method may further include: if the repayment by the First Participant within the pre-set requesting payment period is received, the rules are set to allocate loan interest, deposit interest and delay fees to the Second Participant account and the first funds management account.

[0049] As a further preferred example, in order to increase the default cost of the First Participant, the above method may further include: if the first funds management server does not receive the remaining repayment after exceeding the pre-set requesting payment period, sending the default notification to the Second Funds-Management server, and synchronizing the default record of the First Participant to the fund management credit system and reducing the credit level of the First Participant; the second Funds-Management server allocates the remaining frozen funds corresponding to the Bank Credit Certificate to the first fund management account.

[0050] In this example, the first funds management server and the second funds management server are different servers, for example, different bank servers or different funds management servers of the same bank at different geographies. Of course, when the account of the Second Participant's funds and the loan bank are the same bank, the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.

[0051] According to the method of the example of the present invention, the Second Participant participates in a lending transaction process by using a Funds-Management server in which his account is located, and sends a Bank Credit Certificate to the First Participant account so that the fund management institution becomes an actual lender, and the data processing is safer and faster. The introduction of a Bank Credit Certificate for guarantee lending transactions, reduces the risk of loan funds, while not affecting the Second Participant interest in deposits, and safeguarding the interests of the Second Participant.

[0052] Example 2

[0053] An example of the present invention is described by taking the first Funds-Management server and the second Funds-Management server as the same Funds-Management server (hereinafter referred to as the Funds-Management server) as an example. An example of the present invention provides a funds lending transactions method for use in a Funds-Management server-based, which method comprises the following steps:

[0054] S201, after receiving the Second Participant application and by the Funds-Management server to open the Bank Credit Certificate, the Bank Credit Certificate guarantee will be used to issue loan funds to the First Participant.

[0055] Specifically, the First Participant is a borrower, that is, a person who makes a loan request online or offline, and a Second Participant is a person who wishes to issue a loan for money, either offline or online and the First Participant matched the loan demand, and then issued a Bank Credit Certificate at a bank or other financial institution. The Bank Credit Certificate related to the funds of the Second Participant in the bank, and the funds can not I I

be used within the loan term. The funds associated with the Bank Credit Certificate is guarantee for the bank to issue loans and reduces the loan risk of the bank.
After obtaining the guarantee of the Bank Credit Certificate, the Funds-Management server issues a loan to the First Participant, the amount of the loan is equal to the amount of frozen funds in association with the Bank Credit Certificate, and the loan will be issued to the First Participant according to the loan term, agreed loan interest, and other conditions attached to the Bank Credit Certificate.

[0056] S202, if the repayment by the First Participant within the repayment deadline is received, unfreeze the frozen funds corresponding to the Bank Credit Certificate and allocate loan interest and deposit interest of the funds freezing period in the Second Participant's account and the funds management account as per pre-set rules.

[0057] Specifically, after the Funds-Management server issues the loan, the loan term, the loan interest and the allocation rule of the loan interest between the bank and the Second Participant are generally agreed with the First Participant, if the Funds-Management server receives the repayment fund from the First Participant within the pre-set repayment period and the repayment fund needs to include all the principal and loan interest, the Funds-Management server will unfreeze the Bank Credit Certificate and follow the pre-set rules to issue deposit interest of the freezing period to the Second Participant's account, and may also allocate the loan interest stipulated in the pre-set rules to the Second Participant.
The pre-set repayment period is one of the conditions attached to the Bank Credit Certificate or the term condition set in the Funds-Management server according to the period required by the Second Participant. The predetermined rule is the rule of interest distribution between the Second Participant and the bank. For example, the rules may include rules on whether the loan interest on the loan is shared with the bank or on the interest collected on the deposit of the bank loan during the Bank Credit Certificate freezing period.

[0058] In the example of the present invention, by pulling the fund management institution into the lending transaction process, the Second Participant applies for opening a Bank Credit Certificate to the First Participant account through the Funds-Management server where the account of the Second Participant is located, so that the fund management institution becomes the actual lender, and the data processing is more safer and faster.
The introduction of a Bank Credit Certificate for guarantee lending transactions, reduces the risk of loan funds, while not affecting the Second Participant interest in deposits, and safeguarding the interests of the Second Participant.

[0059] Example 3

[0060] As shown in Figure 3, an example of the present invention provides a funds lending transactions method for use in a Funds-Management serve, which method comprises the following steps:

[0061] S301, after receiving the Bank Credit Certificate applied and opened by the Second Participant, the loan amount is granted to the First Participant party with the Bank Credit Certificate as a guarantee.

[0062] S302, determine whether to receive the remaining repayments within a pre-set repayment period, and if yes, execute step S303; otherwise, execute step S305.

[0063] S303, unfreezing the freezing amount corresponding to the Bank Credit Certificate.

[0064] S304, allocating loan interest and deposit interest to the Second Participant and the fund account according to a pre-set rule, and raising the credit level of the First Participant, and then proceeding to step S311.

[0065] S305, the remaining party will request the First Participant to make repayment within the default requesting payment period.

[0066] Specifically, the requesting payment notification may be specifically configured to perform requesting payment by any one or more of the following: dialling the First Participant's default telephone number or mobile phone, sending e-mail notification to the First Participant E-mail, pushing message to the registered software program client of the First Participant, sending SMS notification to the present mobile number of the First Participant, sending message to the QQ number of the First Participant, or sending message to the Wechat number of the First Participant.

[0067] S306, determine whether the First Participant's remaining repayments are received within a pre-set requesting payment period. If yes, execute step S307; otherwise, execute step S309.

[0068] S307, unfreezing the remaining frozen funds corresponding to the Bank Credit Certificate.

[0069] S308, assigning loan interest, deposit interest and delay fee to the Second Participant account and the second Funds-Management server account according to a pre-set rule, and proceeding to step S311.

[0070] Specifically, due to the characteristics of the Bank Credit Certificate, the deposit interest during the freezing period is automatically calculated in the Second Participant account and becomes available when the frozen funds are de-frozen. And the loan interest is transferred by the First Participant to the fund management account at the same time. Of course, the Second Participant and the fund management institution can also be another agreement on the distribution of loan benefits, in accordance with the agreed way to conduct redistribution. When the repayment delay, you can also receive a delay fees for late payment of funds allocated.

I I

[0071] S309, transfer the remaining frozen funds corresponding to the Bank Credit Certificate to the Funds-Management server account.

[0072] Synchronize the default record of the First Participant to the bank credit system, reducing the credit rating of the First Participant.

[0073] S311, end the process.

[0074] In the example of the present invention, on the basis of the second example, default handling and credit management functions are added to further increase the default cost of the First Participant and reduce the default risk.

[0075] Example 4

[0076] As shown in Figure 4, an example of the present invention provides a system for funds lending transactions. The system includes the following modules: an issuance request module 101 located in the second terminal 10; an issuance processing module 201 and the second loan repayment processing module 202 located in the second Funds-Management server 20 and a lending processing module 301 and a loan repayment processing module 302 located in the first funds management server 30.

[0077] The issuing request module 101 is configured to send a request for opening a Bank Credit Certificate guarantee loan to the second Funds-Management server.

[0078] The issuing processing module 201 is configured for the second Funds-Management server to open a Bank Credit Certificate with the funds of the Second Participant account or the credit limit as the deposit, and send the Bank Credit Certificate to the First Participant 's funds management server.

[0079] The lending processing module 301 is configured to issue loan funds of a corresponding amount to the First Participant according to the Bank Credit Certificate.

[0080] The first loan repayment processing module 302 is configured to send a repayment notice to the second Funds-Management server if the repayment of the First Participant is received.

[0081] The second loan repayment processing module 202 is configured to unfreeze the frozen funds corresponding to the Bank Credit Certificate according to the repayment amount, and allocate loan interest and deposit interest to the Second Participant account and the first fund management account according to a pre-set rule.

[0082] Preferably, the second loan repayment processing module 202 is further configured to, if the repayment by the First Participant within the pre-set requesting payment period is received, according to a pre-set rule between the Second Participant account and the first Fund management account allocation of interest on loans, interest on deposits and delay fees.
I I

[0083] See Figure 5, as a preferred solution, the system further includes a first default processing module 303, a requesting payment module 304, a credit management module 305 located in the first funds management server, and the second default processing module located in the second funds management server.

[0084] The first default processing module 303 is configured to send a notification of default to the second Funds-Management server if no remaining repayments are received after a pre-set requesting payment period has expired.

[0085] The default processing module 203 is configured to allocate the remaining frozen funds corresponding to the Bank Credit Certificate to the fund management account if the remaining repayment is not received after exceeding the pre-set requesting payment period and synchronize the default record of the First Participant to the fund management credit system.

[0086] The requesting payment module 304 is configured to, when the first Funds-Management server does not receive the remaining repayments beyond the pre-set repayment deadline, repay the loan to the First Participant within the pre-set repayment period.

[0087] The credit management module 305 is set so that if the remaining repayment is not received by the first funds management server after the pre-set requesting payment period is exceeded, the default record of the First Participant is synchronized to the fund management credit system, and reduce the credit rating of the First Participant.

[0088] It is important to note that the technical features of the above-described method in example 1 is applicable in the present apparatus and is not need to repeated here.

[0089] Example 5

[0090] As shown in Figure 6, an example of the present invention provides a funds lending transactions system for use in a Funds-Management server, and the system comprises the lending processing module 10 and loan repayment processing module 20, where:

[0091] The lending processing module 10 is configured to, after receiving the Bank Credit Certificate opened by the Funds-Management server and applied by the Second Participant application, issue a loan fund to the First Participant with a Bank Credit Certificate guarantee. The loan repayment processing module 20 is configured to unfreeze the frozen funds corresponding to the Bank Credit Certificate after receiving the repayments of the First Participant within the pre-set repayment period, and allocate loan interest and deposit interest of the funds freezing period in the Second Participant account and the fund management account according to the pre-set rules.

[0092] Among them, the Bank Credit Certificate takes the Second Participant's account funds or credit limit as a deposit, applied to the third Funds-Management server and by the third Funds-Management server to open the electronic commitment payment certificate.

[0093] In some examples, the system may further include a requesting payment module 30 and a default processing module 40, wherein:

[0094] The requesting payment module 30 is configured to, setting the repayment is not received after pre-set loan repayment period is exceeded, it will request repayment to the First Participant of the funds management within the pre-set requesting payment period.

[0095] The default processing module 40 is configured to allocate the remaining frozen funds corresponding to the Bank Credit Certificate to the fund management account if the remaining repayment is not received after exceeding the pre-set requesting payment period and synchronize the default record of the First Participant to the fund management credit system.

[0096] It is to be noted that the technical features of the above-described methods in examples 3 are applicable in the present apparatus and are not repeated here.

[0097] The general technicians of this field can understand and implement all or parts of steps in the above-mentioned examples that can complete the procedure by controlling relevant hardware, and the said procedure can be stored in a readable storage media of a computer such as ROM/RAM, disk and light disk.

[0098] The preferred examples of the present invention have been described above with reference to the accompanying drawings, which are not to limit the scope of the present invention. It will be apparent to those skilled in the field that various modifications, equivalents, and improvements may be made without departing from the scope and spirit of the invention.
Industrial utility

[0099] Type industry description paragraph is entered here. By providing an intelligent finance lending and transaction system, the invention introduces a Bank Credit Certificate to carry out secured loan transaction, making the fund management institution become the actual lender, and the data processing is safer and faster. The introduction of Bank Credit Certificate guarantee loan transactions can reduce the risk of default, while not affecting the Second Participant interest in deposits, but also to protect the interests of the Second Participant. In the case of the default of the First Participant, the fund management institution repays the loan according to the frozen funds of the Bank Credit Certificate, which can ensure the safety of the loan funds.

i

Claims

The Claims

[Claim 1] A fund lending transaction method comprising the steps of:
The Second Participant sends a request for opening a Bank Credit Certificate to the second Funds-Management server;
The second Funds-Management server opens a Bank Credit Certificate with the Second Participant account funds or credit limit as the deposit and sends the Bank Credit Certificate to the first Funds-Management server where the First Participant is located;
The first Funds-Management server issues loan funds of a corresponding amount to the First Participant according to the Bank Credit Certificate;
After receiving the repayments from the First Participant, the first Funds-Management server sends a repayment notice to the second Funds-Management server;
The second Funds-Management server unfreezes the corresponding frozen funds of the Bank Credit Certificate according to the repayment amount and allocates the interest of the loan and the interest of the deposits during the fund freeze according to a pre-set rule in the Second Participant account and the first fund management account.
[Claim 2] The fund lending transaction method according to claim 1, wherein the repayment of the First Participant received by the first Funds-Management server comprises:
A First Participant makes repayments in full within a pre-set repayment period, part of repayment by the First Participant within a pre-set repayment period, a full amount of repayment by the First Participant within a pre-set repayment period, and / or partial repayments of the First Participant within a pre-set requesting payment period, the first participation The remaining repayments within a pre-set requesting payment period; wherein the repayments in full amount include loan funds and loan interest, and the partial repayments amount is the sum of all the loan interests and part of the loan funds;
The loan interest and the deposit interest of the funds freezing period are allocated in the Second Participant account and the first fund management account as per the pre-set rule, and it further comprises that the first fund management account obtains loan interest and the Second Participant account obtains the deposit interest of the funds freezing period.
[Claim 3] According to Claim 1, the said funds lending transactions method also includes:
After the first Funds-Management server has not receive the remaining repayments beyond the pre-set repayment period, the First Participant will be requested for repayment within a pre-set requesting repayment period.
[Claim 4] According to Claim 1, the funds lending transaction methods also include:
If the repayment by the First Participant within the pre-set requesting payment period is received, allocating loan interest, deposit interest and delay fees to the Second Participant account and the first fund management account according to a pre-set rule.
[Claim 5] The fund lending transaction method according to any one of claims 1-4, wherein the method further comprises:
If the first Funds-Management server does not receive the remaining repayments after exceeding the pre-set requesting payment period, sending a default notice to the second Funds-Management server and synchronizing the default record of the First Participant to the funds management and credit information system, and reduce the credit level of the First Participant;
The second Funds-Management server allocates the remaining frozen funds corresponding to the Bank Credit Certificate to the first funds management account.
[Claim 6] The fund lending transaction method according to claim 5, wherein the first Funds-Management server and the second Funds-Management server are the same Funds-Management server or different Funds-Management servers.
[Claim 7] A funds lending transactions method applied in the funds management server, and the method includes following steps:
After receiving the Bank Credit Certificate applied by the Second Participant and opened by the Funds-Management server, issuing the corresponding amount of loan funds to the First Participant party with the Bank Credit Certificate as a guarantee;
After receiving the repayments of the First Participant within the pre-set repayment period, the First Participant may unfreeze the frozen funds corresponding to the Bank Credit Certificate and allocate loan interest and deposit interest of the funds freezing period according to a pre-set rule in the Second Participant account and the funds management account.
[Claim 8] A system for funds lending transaction, the system comprising: an issuance request module located in a second terminal, an issuance processing module and a loan repayment processing module located in a second Funds-Management server, a lending processing module and a first loan repayment processing module located in a first Funds-Management server, wherein:
The issuing request module is configured to send a request for opening a Bank Credit Certificate guarantee loan to a second Funds-Management server;
The issuance processing module is configured for the second Funds-Management server to open a Bank Credit Certificate with the funds or credit of the Second Participant account as the deposit and send the Bank Credit Certificate to the First Participant's first funds management server;
The lending processing module is configured to issue loan funds of a corresponding amount to the First Participant according to the Bank Credit Certificate;
The first loan repayment processing module is configured to send a repayment notice to the second Funds-Management server after receiving payment from the First Participant;
The second loan repayment processing module is configured to unfreeze the frozen funds corresponding to the Bank Credit Certificate according to the repayment amount and allocate the loan interest and the deposit interest of the funds freezing period in the Second Participant account and the first fund management account.
[Claim 9] The funds lending transaction system according to claim 8, further comprising:
The first default processing module is configured to send a notification of default to the second Funds-Management server if no remaining repayments are received after a pre-set requesting payment period has expired;
The second default processing module is configured to allocate the remaining frozen funds corresponding to the Bank Credit Certificate to the fund management account if the remaining repayment is not received after exceeding the pre-set requesting payment period and synchronize the default record of the First Participant to the fund management credit system.
[Claim 10] A funds lending transactions system for use in a Funds-Management server comprising the lending processing module and loan repayment processing module, where:
The lending processing module is configured to: after receiving the Bank Credit Certificate applied by the Second Participant for application and opened by the Funds-Management server, issue a credit of the corresponding amount to the First Participant by using the Bank Credit Certificate as a guarantee;
The loan repayment processing module is configured to unfreeze the frozen funds corresponding to the Bank Credit Certificate after receiving the repayments of the First Participant within the pre-set repayment deadline, and according to a pre-set rule, allocate interest on loans and interest on deposits during the funds freezing period in the Second Participant account and the funds management account.