CN101676948A - Money-managing system of term loan - Google Patents
Money-managing system of term loan Download PDFInfo
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- CN101676948A CN101676948A CN200810211255A CN200810211255A CN101676948A CN 101676948 A CN101676948 A CN 101676948A CN 200810211255 A CN200810211255 A CN 200810211255A CN 200810211255 A CN200810211255 A CN 200810211255A CN 101676948 A CN101676948 A CN 101676948A
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Abstract
The invention relates to a money-managing system of a term loan, which comprises the following steps: an investor applies to a money-managing unit for logging on the money-managing system; the money-managing system offers the term load and term investment projects for the investor; the investor selects the term and the amount of the term loan and the term investment in the money-managing system; the investor selects the investment goods of the term investment and the term and the amount of the investment goods in the money-managing system; the money-managing unit can require the investor to guarantee securities and input the value amount of the securities into the money-managing system; and the money-managing system starts to execute the term loan and the term investment projects selectedby the investor. By adopting the money-managing system of the term loan, the money-managing unit can combine the innovative money-managing system of the term loan and match the term investment, and provide the investor with lower loan interest, thereby attracting the investor's investment desire; and simultaneously, the money-managing unit can earn the investor's loan interest and the cost required by the investment, thus the invention can achieve the purpose of satisfying both the investor and the money-managing unit.
Description
Technical field
The present invention is relevant for a kind of financing system; More detailed it, being meant especially a kind ofly can provide the investor lower loan interest, to attract investor's investment desire; Simultaneously, the financing unit also can earn investor's loan interest and invest the financing system of the cooperation time loan of required expense.
Background technology
At present on the financial market, the investment type of merchandize is various, and investment way and promotion plan also are not quite similar, be example wherein with the type declaration form of insuring, mainly " insurance " and " investment " are combined into investment tool, have insurance and the purpose of investing simultaneously concurrently to satisfy client, therefore, for current financial market, the investment commodity of combined type as if, investment angle from stabilized growth, directly stock is bought in capital investment compared with traditional investor, as if funds etc. be well received by the public more, so, the trend place that provides a kind of preferred capital project promptly to become the financial market is to satisfy the investment demand of society.
Summary of the invention
The object of the present invention is to provide the lower loan interest of a kind of investor of providing, to attract investor's investment desire; Simultaneously, the financing unit also can therefrom earn investor's loan interest and invest the financing system of the time loan of required expense.
To achieve the above object, the present invention discloses a kind of financing system of time loan, and it comprises the following step: the investor logins the financing system to the application of financing unit, and this financing system gives investor's time loan and regular investment project; The investor selectes the issue and the amount of this time loan and regular investment in this financing system; The issue and the amount of the investment commodity of investor's selected this regular investment in this financing system and these investment commodity; This financing unit can require to assure article and will assure that the value total value of article imports this financing system to this investor; This financing system begins to carry out time loan and the regular investment project that the investor selectes.
To sum up state as can be known, because pattern of lending belongs to time loan, also be that the investor is in a certain time limit, can fix apply for loan to the financing unit, therefore, the interest of this loan is for the investor, relatively lower, and the financing unit can be in conjunction with the time loan financing system of this innovation, with the fund behind investor's loan, make regular investment in conjunction with the financial products (as: stock, fund etc.) and the non-financial products (as: real estate, red wine etc.) in financial market, so that the investor to be provided higher return on investment, in view of the above, not only can attract investor's investment desire; Simultaneously, the financing unit also can therefrom earn investor's loan interest and invest required expense, makes the present invention reach investor and the satisfied purpose of the financing both sides of unit.
Description of drawings
Fig. 1 is a schematic flow sheet of the present invention;
Fig. 2 is regular investment of the present invention and the synoptic diagram of time loan when project begins to carry out.
Description of reference numerals
A time loan D issue
B regular investment E difference
The C fund
Embodiment
For above-mentioned purpose of the present invention, technical characterictic and advantage can be become apparent, hereinafter cooperate appended accompanying drawing to be elaborated with preferred embodiment.
The financing system of time loan of the present invention, its mainly with the financing system of time loan of innovation in conjunction with regular investment, this time loan and investment are formulated to a project, because the time loan financing system of this innovation provides the investor longterm investment, and this investor can and this financing system is logined in financing unit application and between the issue of agreement in, the cause of perpetual loan investment, therefore, the interest of this time loan is for the investor, relatively lower, and can attract investor's investment desire; Simultaneously, the financing unit also can therefrom earn investor's loan interest and invest required service fee and consultant expenses etc., makes investor and the financing both sides of unit all obtain satisfied purpose.
At first see also Fig. 1, Fig. 1 is a schematic flow sheet of the present invention.As shown in the figure, the financing system of time loan of the present invention, it comprises the following step: a. investor logins the financing system to the application of financing unit, this financing system gives investor's time loan and regular investment project, described financing unit can be financial unit, for example bank, stock trader, Investment Trust etc., and non-financial unit, for example real estate company.B. the issue and the amount of investor's selected this time loan and regular investment in this financing system, described issue can be weekly, every month, per season, every year or any fixing cycle; And amount can be mode and regular open-end mode of regular quota.C. the investor selectes the issue and the amount of investment commodity and these investment commodity of this regular investment in this financing system, and wherein these investment commodity can be any financial products or non-financial products, for example stock, fund, real estate, red wine etc.; And issue can be weekly, every month, per season and every year, and amount can be regular quota or regular open-end mode.D. this financing unit (as financial unit) can require decision guarantee article source and mode to this investor, wherein these guarantee article can be the investment commodity of above-mentioned steps c, and mortgage is in financial institution, and will assure that the value total value of article imports this financing system.E. should the financing system begin to carry out time loan and the regular investment project that the investor selectes.
From the above, the financing system of time loan of the present invention comprises the purpose that above-mentioned step is invested with the loan mechanism combination that reaches innovation at least, wherein, after this time loan and regular investment project begin to carry out, between each section issue that this financing unit and investor are arranged, this financing unit can settle accounts the investment cost that oneself loan interest of required pair of investor and investor's regular investment are dealt with, also be, this financing unit can earn investor's the interest on investment and investment the service fee that should pay and consultant expenses etc., therefore, behind step e, also can comprise step f, this step f is mainly in this project implementation, this financing unit can be when each issue expires, the investment cost that oneself loan interest of required pair of clearing investor and investor's regular investment are dealt with, and whether assess this investor's guarantee Item Value enough, if enough, then arbitrage project continues to carry out; If not, then adjusting arbitrage combination or project finishes.
See also Fig. 2, Fig. 2 is regular investment of the present invention and the synoptic diagram of time loan when project begins to carry out.
As shown in the figure, the financing system of time loan of the present invention begins to carry out when implementing, the issue D of its time loan A and regular investment B, shown in the figure horizontal ordinate, be that first phase is a unit with every month, with 1 year totally ten second phases represent, certainly, also can be weekly, per season, annually be first phase; Ordinate then is expressed as fund C, this fund C mainly represent the applicant in time loan to financing the amount of money that unit borrowed or lent money, and this amount of money invested in the investment commodity, these investment commodity can be any financial products or non-financial products, for example stock, fund, real estate, red wine etc. are to make regular investment.As seen from the figure, when issue increased progressively, this time loan A was because the investor in the middle of this ten second phase, can continue to increase the cause of loan in each phase, and therefore, the fund C of this time loan A is and keeps soaring, and also, its loan fund C adds up gradually; And, in regular investment B part: because this regular investment B is in order to the rate of returns of expression investment, therefore, have three kinds of different remunerations, also be positive remuneration (riseing), in flat (floating), negative remuneration (downslide) three kinds may, in the accompanying drawings, with positive remuneration is example, therefore, the fund C of this regular investment B be soaring (wherein, because the remuneration of this regular investment B is no matter be positive remuneration, in flat or negative remuneration do not influence purpose of the present invention, therefore, do not give unnecessary details in addition at this), hence one can see that, if with the angle of financing unit, this financing unit can cooperate the project of regular investment, service fee that earning investor's loan interest and regular investment are required and advisory fee etc. by the time loan mechanism of this innovation; Otherwise with investor's angle, because this loan interest is the cause of time loan, therefore, the interest of this time loan is lower than general loan interest, to attract investor's investment desire; And because the lower cause of loan interest, when if the investment commodity of this investor institute regular investment are positive remuneration, this investor can earn difference (arbitrage remuneration) E between investment commodity and the loan interest, in other words, this investor buys the investment commodity to provide a loan at a low price, and obtains higher return on investment, thereby therefrom arbitrage, therefore, the financing system of time loan of the present invention can make investor and financing unit reach the satisfied purpose of both sides.
In summary, the financing system of time loan of the present invention not only can be applicable to regularly quota and regular balance due, certainly, theory of the present invention also can be applicable to irregularly quota and irregular open-end loan and investment, and therefore, advantage of the present invention is summarized as follows:
1, from the angle of financing unit, this financing unit can cooperate in the project of regular investment service fee that earning investor's loan interest and regular investment are required and advisory fee etc. by the time loan mechanism of this innovation.
2, from investor's angle, because this loan interest is the cause of time loan, therefore, the interest of this time loan is lower than general loan interest, therefore, can attract investor's investment desire.
3, because the lower cause of loan interest, when if the investment commodity of investor institute regular investment are positive remuneration, this investor can earn the difference between investment commodity and the loan interest, in other words, this investor buys the investment commodity to provide a loan at a low price, and obtain higher return on investment, thereby therefrom arbitrage.
The above is preferred embodiment of the present invention only, is not to be used to limit protection scope of the present invention.
Claims (11)
1, a kind of financing system of time loan is characterized in that, comprises the following step:
A. the investor logins the financing system to the application of financing unit, and this financing system gives investor's time loan and regular investment project;
B. the investor selectes the issue and the amount of this time loan and regular investment in this financing system;
C. the investor selectes the issue and the amount of investment commodity and these investment commodity of this regular investment in this financing system;
D. this financing unit requires to assure article and will assure that the value total value of article imports this financing system to the investor;
E. this financing unit begins to carry out time loan and the regular investment project that the investor selectes in this financing system.
2, the financing system of time loan according to claim 1 is characterized in that, described financing unit is financial unit.
3, the financing system of time loan according to claim 1 is characterized in that, described financing unit is non-financial unit.
4, the financing system of time loan according to claim 1 is characterized in that, the amount of described step b is the mode of regular quota.
5, the financing system of time loan according to claim 1 is characterized in that, the amount of described step b is regular open-end mode.
6, the financing system of time loan according to claim 1 is characterized in that, the investment commodity of described step c are financial products.
7, the financing system of time loan according to claim 1 is characterized in that, the investment commodity of described step c are non-financial products.
8, the financing system of time loan according to claim 1 is characterized in that, the amount of described step c is the mode of regular quota.
9, the financing system of time loan according to claim 1 is characterized in that, the amount of described step c is regular open-end mode.
10, the financing system of time loan according to claim 1 is characterized in that, the guarantee article of described steps d are the investment commodity of described step c.
11, the financing system of time loan according to claim 1, it is characterized in that, after the described step e, also comprise step f, this step f mainly in this time loan and regular investment project in carrying out, when described financing unit expired at each issue, whether described this investor's of financing system evaluation guarantee Item Value enough, if enough, then continue to carry out this project; If not, then finish this project.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200810211255A CN101676948A (en) | 2008-09-19 | 2008-09-19 | Money-managing system of term loan |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200810211255A CN101676948A (en) | 2008-09-19 | 2008-09-19 | Money-managing system of term loan |
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| Publication Number | Publication Date |
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| CN101676948A true CN101676948A (en) | 2010-03-24 |
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| CN200810211255A Pending CN101676948A (en) | 2008-09-19 | 2008-09-19 | Money-managing system of term loan |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113168653A (en) * | 2019-09-27 | 2021-07-23 | 林郁 | Management device and management method |
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2008
- 2008-09-19 CN CN200810211255A patent/CN101676948A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113168653A (en) * | 2019-09-27 | 2021-07-23 | 林郁 | Management device and management method |
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