CN101419701A - The financial service of second-hand car trading market website - Google Patents
The financial service of second-hand car trading market website Download PDFInfo
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- CN101419701A CN101419701A CNA2007101677654A CN200710167765A CN101419701A CN 101419701 A CN101419701 A CN 101419701A CN A2007101677654 A CNA2007101677654 A CN A2007101677654A CN 200710167765 A CN200710167765 A CN 200710167765A CN 101419701 A CN101419701 A CN 101419701A
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- financial institution
- website
- credit
- financial
- used car
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Abstract
At the current social demand, the financial service scheme of a used car business site of ad hoc meter wishes to help the raising of people's daily life level, brings a business opportunity for enterprise and financial institution simultaneously.Particular content and design proposal see inventive applicant specification for details.
Description
The foundation of second-hand car trading market website for used car buyer and sale person have set up the platform of an information interchange, has been satisfied a part of consumer group's needs.Simultaneously, this market is under consumer's support, also with positive flourish.
Be accompanied by the prosperity and development in used car market, thing followed used car financial market also will become an indispensable part.This used car financial market is the demand that used car is asked the consumer, also is a business opportunity of financial institution's business development.
In 20 beginnings of the century, just there are a lot of financial institutions to have an optimistic view of the used car financial market, also constantly adding up the excavation related data always, but, and when doing the used car loan, also consider the misgivings of second-hand automobile market because suitable carriers can't be found in the second-hand automobile market, it is the rationality of vehicle value assessment, loan origination has certain risk, so up to the present, does not have regular large-scale financial institution doing this part financial market yet.
After the used car website is set up,, also provide this huge financial market simultaneously for financial institution for the consumer provides the carrier of wanting to buy vehicle.Financial institution can effectively utilize this market carrier, and when providing financial service preferably for the consumer, oneself also can obtain good management performance.This is an interactive mutually beneficial market.
Introduce some my design proposals below:
1, in special column, used car website, sets up a credit module again separately;
If 2, the used car buyer wishes to buy used car in the mode of loan, can in this credit module, fill detailed personal loan application information according to establishing masterplate, complete the back and submit credit applications to.
3, financial institution according to the personal information that the client provided, carries out first trial after receiving loan application.
4, pass through as first trial, can send the staff that it is done credit information by the site of financial institution locality according to the client location;
5, after drawing the result that examines credit, can directly provide the result that examines credit at the website relevant programs, the vehicle buyer only needs to pay close attention to the website result bar of examining credit and promptly knows application result in the fixed time limit of financial institution.
Can sign loan contract with the client and will provide a loan the remittance designated account by, financial institution if 6 examine credit.Financial institution also can reduce operating cost like this, needn't be again by make a phone call, other modes such as fax inform client result.(annotate: 1, the whole operation flow process needs carry out in same operating system, so financial institution needs to coexist with the client and does business processing in this special column, used car website, when application information, prompting can be made to financial institution's port in the website; 2, financial institution need set up the site of oneself in a plurality of cities, needs for the client; 3, the signing mode of documents such as loan contract, notarization can be selected by financial institution, can assign staff's face of local site to sign, and also can sign valid contract and notarization etc. on the net)
7, after financial institution and used car buyer set up credit relation, financial institution can be directly be reflected in money-lender's refund record in this network system, and aspect client consults at any time and supervises the client to refund on time; (annotate: the personal information that the client is filled in during by loan application, the personal information during to refund, website and financial institution are obligated for the client maintains secrecy, and can do relative set on the website)
Maintain secrecy though 8 websites and financial institution are customer information,,, print its refund information of download since then in the website, for oneself use in order to prove oneself credit standing if when the client has other credit requirements; Equally, as through national departments concerned approval, financial institution also can inquire about client's credit information for other financial institutions on web station system, in case the generation that the client borrows the also old loan of new loan, refund pressure to cause refunding non-performing loans such as exceeding the time limit, cheat loan greatly.
9, after, the maturation abundant, can on the website, do a credit scoring system, do data mining analysis for relevant department at database information.
Annotate: this scheme need just can be implemented with financial institution's cooperation, has at present had some big banks and non-bank financial institution to set up the site in a lot of cities in the whole nation, opening up a market, and also in consideration used car financial market.
Claims (6)
1, title " financial service of second-hand car trading market website ", the principal character of this patent is: for financial institution and used car consumer provide an information interchange platform, so special application wishes that this mode of doing business, patent name and theory are protected.
2, in special column, used car website, set up a credit module again separately;
3, the credit applications approval process that constitutes between used car consumer and financial institution;
4, in system, set up repay record and credit standing;
5, the client can print its refund information of download in the website, and financial institution can inquire about client's credit information for other financial institutions in web station system, in case the generation of financial institution's non-performing loan.
6, on the website, do a credit scoring system.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101677654A CN101419701A (en) | 2007-10-28 | 2007-10-28 | The financial service of second-hand car trading market website |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101677654A CN101419701A (en) | 2007-10-28 | 2007-10-28 | The financial service of second-hand car trading market website |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101419701A true CN101419701A (en) | 2009-04-29 |
Family
ID=40630480
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007101677654A Pending CN101419701A (en) | 2007-10-28 | 2007-10-28 | The financial service of second-hand car trading market website |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101419701A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105809532A (en) * | 2016-03-01 | 2016-07-27 | 成都市泰象网络科技有限公司 | E-commerce trade managing system and method for car loan products |
| CN107909364A (en) * | 2017-12-11 | 2018-04-13 | 中山市龙源电子商务科技有限公司 | A kind of loan without down payment based on Internet of Things, the purchase car method of zero monthly mortgage |
-
2007
- 2007-10-28 CN CNA2007101677654A patent/CN101419701A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105809532A (en) * | 2016-03-01 | 2016-07-27 | 成都市泰象网络科技有限公司 | E-commerce trade managing system and method for car loan products |
| CN107909364A (en) * | 2017-12-11 | 2018-04-13 | 中山市龙源电子商务科技有限公司 | A kind of loan without down payment based on Internet of Things, the purchase car method of zero monthly mortgage |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Open date: 20090429 |