CN101556671A - On-line financing management method - Google Patents
On-line financing management method Download PDFInfo
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- CN101556671A CN101556671A CNA2008100913264A CN200810091326A CN101556671A CN 101556671 A CN101556671 A CN 101556671A CN A2008100913264 A CNA2008100913264 A CN A2008100913264A CN 200810091326 A CN200810091326 A CN 200810091326A CN 101556671 A CN101556671 A CN 101556671A
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Abstract
The invention relates to an on-line financing management method which adopts a management server and a bidding platform which are provided by a provider to enable fund demanders and fund suppliers to participate in price bidding through a network communication system to achieve the purpose of financing. The method comprises the following steps: verifying the participating qualification of a participator who participates in the financing activity through the network communication system, and providing a personal financing margin; enabling a financing member to select pre-set financing portfolios and enabling the financing member to input personal information of supply and demand for funds to judge whether the financing portfolio selected by the financing member exceeds the personal financing margin or not; carrying out pilot calculation according to the pre-input personal information of supply and demand for funds and the selected financing portfolio to achieve the purpose that the member can determine whether to participate in the financing portfolio or not according to the result of the pilot calculation; and then enabling the financing member who can participate in the established financing portfolio to participate in the bidding, and enabling the member who does not win a bid to pay period dues which are obtained by the member who wins the bid.
Description
Technical field
The invention relates to a kind of on-line financing management method, especially use network etc. to carry out the price competitive bidding, and effectively and reliably reach the on-line financing management method of financing about a kind of funding gold provider and credit requirement person both sides.
Background technology
Along with the prosperity of information processing and mechanics of communication, carry out providing of various relevant money and property or labor service by world-wide web etc. with (on-line) on the line and become white-hot.The upsurge that world-wide web brings is similarly also swept away financial circles, be to adapt to the trend that financial business combines with network technology, and many financial units provide various financial dependent merchandises and service by network etc., to adapt to the polynary and vast demand of client.
And in the development of financial products diversification, the method that the capital loan mode of the entity price competitive bidding of a kind of utilization as credit union among the people and so on combines with the characteristic of world-wide web has appearred, such as in No. 497059 patent of TaiWan, China patent announcement and TaiWan, China patent announcement I231682 patent announcement.By the network environment of handling rapidly, the user is numerous, information disclosure is transparent, provide the participator one interaction platform, so that the participator reaches the fund purpose of circulation mutually by the price competitive bidding.
Yet when carrying out entity price competitive bidding activity as credit union among the people by network, since can't dynamically grasp the borrower because of the time different credit standing, therefore how assuring participator's credit more, is one of problem with the safe reliability of effective management on-line financing.In addition, the financing scale of credit union on the keyholed back plate line how, out of control and make problem such as risk increase also be another problem to avoid taking place credit union's scale.Moreover, how reflect the supply and demand of fund situation timely and effectively by on-line financing, allow numerous participators' fund elasticity configuration more, also become one of problem of on-line financing.
Summary of the invention
The present invention grinds wound for solving above-mentioned problem, purpose is to provide price competitive bidding pattern and traditional credit union among the people way to manage money on a kind of joint line, allow fund supply person and credit requirement person both sides by open and clear price competitive bidding process, reach safe and reliable and rationally reflect the on-line financing management method of supply and demand of fund.
In order to reach above-mentioned purpose, the invention provides a kind of on-line financing management method, it is to be provided with the person that provides the bidding platform of management server by participating in the price competitive bidding between network communication system funding gold demander and fund supply person by one, and then reach the method for financing, its point is: recruit the financing participator by network communication system; Aforementioned financing participator is examined the participation qualification, and appraise and decide by stating the financing participator before this auditing result and become the financing member; Give individual's financing to the financing participator who becomes the member and guarantee amount; Setting up the financing combination selects for aforementioned financing member; Make the financing member import individual supply and demand of fund information; Judge whether the selected financing combination of aforementioned financing member surpasses aforementioned individual's financing and guarantee amount; Carry out tentative calculation according to aforementioned individual supply and demand of fund information and aforementioned selected financing combination, determine whether adding this financing combination according to this The trial result by the member; Make the described financing member who adds this financing combination competitive bidding of bidding, make the unsuccessful bidder pay current should paying and understand money, obtain this meeting money by the winning bidder.
In addition, add financing when combination of establishment in aforementioned financing member, the individual who promptly reduces aforementioned each the financing member assurance amount of financing, described member is if lose a bid, then current pay deal with can money after, fully understand the amount of money degree in the unit of current this phase of recovery; If this member be the winning bidder, then be to pay the amount that this coming half year just can recover its paid part after understanding money in the coming half year.
In addition, the competitive bidding result just decides the winning bidder with the competitive bidding amount of money of being bid, and the high person of the competitive bidding amount of money is the winning bidder, when identical as if the competitive bidding amount of money of being bid, promptly with the decision winning bidder that draws lots.
In addition, management server is except the credit standing of regularly inspecting the member, be provided with for the caution means of setting the caution value at described management server in addition,, carry out reference at this winning bidder when the competitive bidding amount of money that described winning bidder bid during greater than the caution value that sets.
Therefore, according to on-line financing management method of the present invention, because network user is numerous, can improve financing conclusion of the business chance, add that the person that provides the bidding platform examines, gives credit standing that individual's financing guarantees regularly to inspect in amount, every day, every month, every half a year, every year etc. the member at the participator who does not become the financing member as yet and the reference of being carried out during greater than the preset warning value when the competitive bidding amount of money that the winning bidder bid etc., and then the safe reliability of lifting on-line financing.
In addition, because the present invention is the keyholed back plate to guarantee that amount is financed, in other words, method of the present invention is when the financing member adds the financing combination, the individual who promptly reduces each member assurance amount of financing, and pay current dealing with for each issue in the member and recover the unit of this phase after can money and fully understand the amount of money degree, effectively keyholed back plate member's financing limit does not exceed the individual who the is given assurance amount of financing in view of the above, and avoids taking place problems such as the financing scale is out of control.
Moreover, according to on-line financing management method of the present invention, can participate in member's individual supply and demand of fund information with reference to other by participator's one side, the autonomous financing combination variety (for example money size etc. is fully understood by Jing mark issue length, unit) of selecting institute's desire to add of one side, can free price determination except participator individual capture funds and transparent procedures openly, also can satisfy participator's property planned or provisional credit requirement, and make numerous participators' fund configuration have more elasticity.
Description of drawings
Fig. 1 is the basic configuration figure of the system of display application on-line financing management method of the present invention.
Fig. 2 is the process flow diagram that shows the operation workflow of on-line financing management method of the present invention.
Embodiment
Be elaborated hereinafter with reference to the preferred embodiment of accompanying drawing to on-line financing management method of the present invention.
Fig. 1 is the basic configuration figure of the system of display application on-line financing management method of the present invention.As shown in Figure 1, the management server 100 of using on-line financing management method of the present invention is to be connected with network communication system 300 by the webserver 200, carries out on-line financing management method to utilize network communication system 300 and user's terminating machine 400.Management server 100 is in order to carrying out the transmission and the reception of information with the participator who desires to carry out financing, and then the financing between managed fund demander and the fund supply person on the line.The participator who desires to carry out financing transmits about the individual relevant information of participating in the financing activity except utilizing user's terminating machine 400, also can be received the information of relevant financing activity by this management server 100.
Fig. 2 is the process flow diagram that shows the operation workflow of on-line financing management method of the present invention.At first utilize network communication system 300 to recruit credit requirement person or fund supply person etc. by management server 100 and participate in the financing activity, the participator that desire is participated in the financing activity utilizes user's terminating machine 400 to obtain this recruitment activity relevent information (step S100) via network communication system 300.
Then examine financing participator's participation qualification (step S110), whether then according to this auditing result, appraising and deciding this participator can become financing member (following also abbreviate as sometimes member) (step S120).
Then,, promptly give individual's financing and guarantee amount (step S130),, then notify participator and end process if do not fail to become the member by audit if this participator becomes the financing member by audit.Wherein, finance about the individual and to guarantee the adding method of amount, give the amount except carry out reference investigation according to member's personal credit, also can decide that deposit receipt, securities, movable property/praedial are established matter, declaration form is worth according to the member provided or credit card amount etc. decides individual's financing to guarantee amount.
Then, set up the financing combination, select (step S140) for each member.The combination of this financing comprises: during the price competitive bidding unit, competitive bidding issue, unit fully understand money, end mark, always money, raised relevant price competitive bidding information such as time, opening of bid time so far, look the management of personal money attribute or financial position is selected financing scale etc. for the member.Wherein, for example can set 10 days during the above-mentioned price competitive bidding unit and be during 1 unit, also can set 1 month and be during 1 unit.In addition, this financing combination can be preestablished by management server 100, also can be set up on their own by the member.
Then make the member import individual supply and demand of fund information (step S150), this individual's supply and demand of fund information comprises: add purpose (for example house repairing, purchase car, tourism, savings etc.), individual price competitive bidding wish and the competitive bidding amount of money etc.Wherein, can be in advance individual price competitive bidding wish be quantized, for example with competitive bidding wish intensity by weak and be divided into the 1-5 grade by force.In addition, also visual Personal Finance situation or financing purpose, at any time newly-increased or revise individual supply and demand of fund information, can reflect financing participator's credit requirement situation by this in real time, simultaneously can be for the individual supply and demand of fund information of each member with reference to other financing participator.
Check then whether selected financing combination scale surpasses individual's financing and guarantee amount (step S160), guarantee amount if surpass individual's financing, promptly notify the member to reselect financing combination (step S170), on the contrary, do not guarantee amount if surpass individual's financing, promptly carry out tentative calculation,, make this member learn total standard gold that in its selected financing combination, can get by this tentative calculation according to aforementioned individual supply and demand of fund information and the combination of selected financing.This member can be according to this The trial result, and whether decision adds this financing combination (step S180).If this member determines to add this financing combination, the competitive bidding (step S190) of promptly bidding if this member's decision does not add this financing combination, is then returned step S170 and is reselected the financing combination.
Then add up the financing membership of the competitive bidding of having bid, and judge whether this membership enough sets up this financing combination (step S200), if number is enough, promptly set up this financing combination and carry out downpayment opening of bid (step S210), if number is not enough, then notify the member to reselect financing combination (step S170).
Above-mentioned opening of bid is that the competitive bidding amount of money of being bid with each member is that the soprano decides the winning bidder, when identical as if the competitive bidding amount of money, promptly with the decision winning bidder that draws lots.If the winning bidder determines, management server 100 promptly utilizes the gathering means to make the unsuccessful bidder pay current should paying can money, and should understand money and pay the winning bidder.Above-mentioned gathering means for example can directly be withholdd or utilized credit card to withhold etc. by unsuccessful bidder's bank account.
Below promptly finish downpayment price competitive bidding.
The similar credit union among the people of above-mentioned price competitive bidding, only of the present invention downpayment that standard gold be member's interest, but not as credit union among the people, obtain the first phase and understand money by meeting is first free of interest.
After the 2nd phase, promptly carry out competitive bidding by unsuccessful bidder still, the competitive bidding pattern just determines the winning bidder with downpayment the same with the competitive bidding amount of money of being bid, and below analogizes up to competitive bidding issue expiry, and then this financing combined moving promptly comes to an end.
In addition, in case this financing member adds the financing combination of establishment, the individual that management server 100 promptly reduces this member assurance amount of financing, but, if this member loses a bid current, then be current pay should pay can money after, management server 100 upgrades the still enterable individual's financing of this unsuccessful bidder in the mode of fully understanding the amount of money degree in the unit of current this phase of recovery immediately and guarantees amount; If this member must mark, then be to pay the amount that this coming half year just can recover this paid part after can money in the coming half year, at this moment, owing to after this be somebody's turn to do to such an extent that the mark member all can't participate in competitive bidding, so money is fully understood by the meeting money unit of being that is paid for each issue.For example the individual financing that is endowed of first, second two members guarantees that amount is respectively 300,000 yuan, when first, second two members select to add a competitive bidding issue simultaneously is that 21 phases, unit are when fully to understand money be 10,000 yuan financing combination, federation's money of this financing combination is about 200,000 yuan, because financing, its individual who is not more than first, second member guarantees 300,000 yuan of amounts, so this first, second member all can add this financing combination, and after adding, this first, second member's individual finances and guarantees that amount all is reduced to 300,000-200,000=100,000 yuan.If this first member must mark downpayment, can be at downpayment other meeting money that the member paid of losing a bid of obtaining, and when the 2nd phase competitive bidding, this first member can't participate in competitive bidding and should be behind opening of bid directly the unit of paying fully understand 10,000 yuan of moneys, if pay, management server 100 promptly recovers the amount of 10,000 yuan of parts that this first member paid, and makes the first member guarantee that in individual's financing of the 2nd phase amount becomes 100,000 yuan+10,000 yuan=110,000 yuan.And this second member is owing to lose a bid downpayment, its downpayment pay should pay can money (=unit fully understand money-current standard gold, that is the amount of money after the deduction interest) afterwards, management server 100 is promptly fully understood the amount of money degree in the unit of downpayment this phase of recovery, and make the downpayment individual's financing of second member guarantee that amount is 100,000 yuan+10,000 yuan=110,000 yuan, if still lose a bid, then the individual's financing in the 2nd phase guarantees that amount is 110,000 yuan+10,000 yuan=120,000 yuan in the 2nd phase.At this moment, this second member Ruo Yin other when adding purpose and wanting to add another financing combination, can participate in the financing combination below 120,000 yuan.With respect to this, target first member only can participate in financing combination below 110,000 yuan in the 2nd phase.Effectively keyholed back plate member's amount does not exceed the financing that is endowed and guarantees amount in view of the above, and can avoid taking place problems such as credit union's scale is out of control.
In addition, management server 100 is regularly inspected except every day, every month, every half a year, every year etc. member's the credit standing, is provided with for the caution means of setting the caution value at management server 100 in addition.When the competitive bidding amount of money that the winning bidder bid is worth greater than caution, to carry out reference at this winning bidder, if reference is unusual, management server 100 can enclose to deposit to end detaining and enter federation's money of this winning bidder account, and adjust this financing that must mark the member according to the reference result and participate in authority, for example restriction is participated in competitive bidding, is reduced individual's financing and guarantee amount etc.Wherein, this caution value can regularly inspect and adjust according to circumstances.
In addition, if having during competitive bidding, the member postpones to pay in the time of to pay meeting money situation, management server 100 is meeting money member to be paid in this delay freeze individual's financing assurance amount, and cancels the competitive bidding function till normally paying the meeting money, and it does not pay part then temporarily by management server 100 advance (shenglvehao)for anothers.If certain time limit of chance is unpaid, for example 30 days, then this member is carried out the collection means.
On-line financing management method of the present invention is applicable to electronic information aid, for example: desk-top computer, notebook, personal digital assistant device (Personal Digital Assistant, PDA), electronic installation such as mobile phone, hand held personal computer.
Above-mentioned is preferred embodiment of the present invention only, is not in order to limit the scope of essence technology contents of the present invention.Essence technology contents of the present invention is broadly to be defined in appended the application's claim scope.If any technology entity or method that other people are finished with limited identical of the application's claim scope or be the change of same equivalence, all will be regarded as being covered by in this application's claim.
Claims (15)
1. on-line financing management method, be by a person that provides the bidding platform who is provided with management server by participating in the price competitive bidding between network communication system funding gold demander and fund supply person, and then reach the method for financing, it is characterized in that:
Recruit the financing participator by network communication system;
Described financing participator is examined the participation qualification, and the described financing participator who appraises and decides by this auditing result becomes the financing member;
Give individual's financing to the financing participator who becomes the member and guarantee amount;
Setting up the financing combination selects for described financing member;
Make the financing member import individual supply and demand of fund information;
Judge whether the selected financing combination of described financing member surpasses described individual's financing and guarantee amount;
Carry out tentative calculation according to described individual supply and demand of fund information and described selected financing combination, determine whether adding this financing combination according to this The trial result by the member;
Make the described financing member who adds this financing combination competitive bidding of bidding, make the unsuccessful bidder pay current should paying and understand money, obtain this meeting money by the winning bidder.
2. on-line financing management method as claimed in claim 1, it is characterized in that, when described financing member adds the financing combination of establishment, the individual who promptly reduces described each the financing member assurance amount of financing, described member is if lose a bid, then current pay deal with can money after, fully understand the amount of money degree in the unit of current this phase of recovery; If this member be the winning bidder, then be to pay the amount that this coming half year just can recover its paid part after understanding money in the coming half year.
3. on-line financing management method as claimed in claim 1, it is characterized in that the competitive bidding result just decides the winning bidder with the competitive bidding amount of money of being bid, the high person of the competitive bidding amount of money is the winning bidder, if when the competitive bidding amount of money of being bid is identical, promptly with the decision winning bidder that draws lots.
4. on-line financing management method as claimed in claim 1 or 2 is characterized in that described management server is regularly inspected member's credit standing.
5. as each described on-line financing management method of claim 1 to 3, it is characterized in that, be provided with for the caution means of setting the caution value at described management server,, carry out reference at this winning bidder when the competitive bidding amount of money that described winning bidder bid during greater than the caution value that sets.
6. as each described on-line financing management method of claim 1 to 3, it is characterized in that, decide according to described member provided that deposit receipt, securities, movable property/praedial are established matter, declaration form is worth or any one of credit card amount decides described individual's financing to guarantee amount.
7. on-line financing management method as claimed in claim 1 is characterized in that, described financing combination is to be preestablished by management server.
8. on-line financing management method as claimed in claim 1 is characterized in that, described financing combination is to be set up on their own by described member.
9. on-line financing management method as claimed in claim 1 is characterized in that, downpayment standard gold is financing member's interest.
10. on-line financing management method as claimed in claim 1 is characterized in that, the individual supply and demand of fund information that described financing member is imported is made of corresponding adding purpose, individual price competitive bidding wish and the competitive bidding amount of money.
11. on-line financing management method as claimed in claim 10 is characterized in that, described individual price competitive bidding wish is by weak and be divided into the 1-5 grade by force.
12. on-line financing management method as claimed in claim 1, it is characterized in that, if described member has during competitive bidding when postponing to pay meeting money situation, by the described person that provides the bidding platform this delay is paid and can the money member to be freezed described individual's financing and guarantee amount, and cancellation competitive bidding function up to normally pay can money till, its unpaid intersection money is then temporarily by the described person's advance (shenglvehao)for another that provides the bidding platform.
13. on-line financing management method as claimed in claim 12 is characterized in that, if described member does not normally pay the meeting money in certain time limit, described management server promptly carries out the collection means to described member.
14. as each described on-line financing management method in the claim 1,7 or 8, it is characterized in that, the combination of described financing be selected from price competitive bidding unit during, competitive bidding issue, unit fully understand money, end mark, raised the combination that any one constituted up to time, the time of opening bid.
15. on-line financing management method as claimed in claim 1 is characterized in that, this method is applicable to any one electronic information aid in personal computer, personal digital assistant device (PDA), mobile phone, the hand held personal computer.
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CN104794653A (en) * | 2014-01-22 | 2015-07-22 | 乔美国际网路股份有限公司 | Network direct financial limit control method |
CN105225154A (en) * | 2015-09-08 | 2016-01-06 | 深圳市众投邦股份有限公司 | Data processing method and device |
WO2017045153A1 (en) * | 2015-09-16 | 2017-03-23 | 深圳市银信网银科技有限公司 | Data exchange processing method, apparatus, and online financing method |
CN110765481A (en) * | 2019-09-11 | 2020-02-07 | 珠海格力电器股份有限公司 | Authority control method, authority control system, readable storage medium and terminal device |
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