CN103489126A - Low-risk investing and financing method capable of opening to public by Internet - Google Patents
Low-risk investing and financing method capable of opening to public by Internet Download PDFInfo
- Publication number
- CN103489126A CN103489126A CN201310477575.8A CN201310477575A CN103489126A CN 103489126 A CN103489126 A CN 103489126A CN 201310477575 A CN201310477575 A CN 201310477575A CN 103489126 A CN103489126 A CN 103489126A
- Authority
- CN
- China
- Prior art keywords
- fund
- party
- contract
- financing
- function
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a low-risk investing and financing method capable of opening to the public by the Internet. The method comprises the step of setting a network technology platform which combines investing and financing modes, such as stock rights and financial credit, a contract generation system function, third-party fund supervision, actual fund payment condition inspection and stepped payment functions and a fund return function with network open trade.
Description
Technical field
Present technique mainly applies to internet and investment and financing field.
Background technology
At present, traditional investment money channel only has stock market, bank, fund etc., these investment channels, the numerous public have seriously been restricted, especially the less public of financial strength, direct investment is in enterprise, and even newly established enterprise obtains equity, participate in direct venture capital investment, obtain income more with high investment.And on the other hand, have good idea that the financier of good project is arranged, due to the shortage of capital, cause project to implement.
On the other hand, so-called network financing, because the financing form is limit, can only be to have the mechanism of financial strength to participate in, and due to shortage of capital oversight mechanism etc., also limited the poor public's of the low ability to ward off risks of strength participation.
Generally speaking, present investment and financing field, seriously limited strength and hanged down the poor public's of the ability to ward off risks participation, restricted the public and obtained higher gain on investments, also restricted potential science and technology and project incubation rate, hinders national science and technology development and popularization.
Summary of the invention
Arrange Investing and Financing Model such as equity, credits, contract generation system function, third party's Fund Supervision and the examination of real fund appropriation condition and substep are appropriated function, fund retraction, the network technology platform combined with the network open transaction.
Be provided with contract generation system function, the equity of financier issue or financing by credit information (also can by the third party on behalf of issue), can minimum subscription amount, share be set by the financier, account for a burst amount, return rate, the always amount of subscribing, guaranty etc., set the female contract of rear generation, after the investor subscribes, to obtain the molecule contract, the molecule contract molecule contract (this function can select also can select without) of can regenerating, and can infinitely repeat according to this.The arranging of this kind of function guarantees that financier's share of wholesale can being financed resolves into numerous micro-financing shares, guarantee that the lower public of financial strength can participate in business, function with stock and fund transaction, but fully different, due to the decomposition function of classification contract, when allowing all investors enjoy investment successfully to reach the great number income, by decomposing contract, generate more contracts, allow more people participate in into, realize the another kind of mechanism of releasing.
Third party's Fund Supervision and the examination of real fund appropriation condition and substep are set and appropriate function, be the financier by network trading platform exchange melt fund first by the third party, carry out Fund Supervision, then by the third party, the fund appropriation condition is examined, and carry out substep by the third party by the examination situation and appropriate, be different from present common net purchase transaction, third party's Fund Supervision, the function technology of purchaser's fund appropriation condition examination.This kind of function guarantees fund direction input according to schedule by third party's Fund Supervision, and the form that the implementation substep is appropriated can be according to specific investments progress and results form investment, control the appropriation of payments progress, once discovery great change, can stop in time fund throws in, surplus capital can be saved from damage, thereby stops loss in time.Certainly, if the financier has enough pledges, the third party carries out Mortgage assets and examines, and, after handling mortgage registration, can transfer to the financier to fund in full and use.In addition, whether the transaction funds of minute contract is entered to third party's management and control flow process, also can be arranged by the third party.This technology also realizes great technical renovation with fund on hand and stock trading technology, effectively protects the interests of investors.
Be provided with the fund retraction, ineligible to financing, invest abortedly, the third party is as Fund Supervision side, can cash situation according to surplus capital situation or guaranty and return in proportion surplus capital, reduce the loss, or invest successfully, investment finishes, presiding over implementation benefit by the third party distributes, it is different from present common net purchase transaction, third party's Fund Supervision, the function technology that seller enforcement fund is return.In finance process, occur financing limit etc. and do not reach that standard of investment requires, perhaps investor's financing contract content is false, invest aborted, as the third party of Fund Supervision side, can reach as the case may be investor and financier and consult, stop investment, by the third party, utilize the fund retraction to return the investor surplus capital, stopped loss.This technology also realizes great technical renovation with fund on hand and stock trading technology, effectively protects the interests of investors.
The investment and financing port is open to a guy of institute and enterprise.Guaranteeing allly has project or idea is arranged, has the enterprise of technology or individual to finance, also guaranteeing that all public and enterprise can participate in the investment of all items goes, and be that project or technology are directly held to contract or personal investment, enjoy all investment projects, the wealth effects that even outburst of Venture projects achievement is grown up and brought.This and stock, fund technology also have obvious innovation.
In addition the redemption function system can be set as required, by the network platform or financier, set the redeemable time limit, the redemption way, within this time limit, the investor can freely redeem according to the redemption way.
Disclosed information query system can be set, comprise every fund trend, the concrete detail of bargain transaction, the situation of holding of every contract.Be different from the opaque of fund and stock, as a real investment and financing platform, rather than propagandize platform.
Being arranged in platform of above-mentioned functions can select collocation to use.
The accompanying drawing explanation
Schematic flow sheet (this figure only does the principle explanation, does not do the specific design scheme and uses)
Embodiment
Financier (or third party) enters the network platform, utilizes the contract generation system, fills in the contract generating content, generates female contract;
Female contract enters the transaction system transaction, and the investor invests rear generation molecule contract;
Third party's monitoring party is utilized Fund Supervision function supervision capital fund that the financier obtains;
The third party supervises and utilizes substep to throw in function and the fund retraction invest and thrown in or termination according to investment progress audit situation;
The molecule contract directly enters transaction system transaction, or generates one-level molecule contract again and concluded the business, reciprocal according to this.
Claims (7)
1. one kind is utilized the method for internet to the disclosed low-risk investment and financing of society, it is characterized in that: arrange Investing and Financing Model such as equity, credits, contract generation system function, third party's Fund Supervision and the examination of real fund appropriation condition and substep are appropriated function, the fund retraction, the network technology platform combined with choices of technology such as network open transactions.
2. according to the network technology platform described in claim 1, it is characterized in that: be provided with contract generation system function, the equity of financier issue or financing by credit information (also can by the third party on behalf of issue), can the minimum subscription amount be set by the financier, share, account for a burst amount, return rate, the total amount of subscribing, guaranty etc., set the female contract of rear generation, after the investor subscribes, to obtain the molecule contract, the molecule contract molecule contract (this function can select also can select without) of can regenerating, and can infinitely repeat according to this, and all molecule contracts can be in system repeat business, and the contract generation system can arrange specifically the switching for a certain financing contract or which rank of molecule contract according to needs by the portal management root.
3. according to the network technology platform described in claim 1, it is characterized in that: third party's Fund Supervision and the examination of real fund appropriation condition and substep are set and appropriate function, be the financier by network trading platform exchange melt fund first by the third party, carry out Fund Supervision, then by the third party, the fund appropriation condition is examined, and carry out substep by the third party by the examination situation and appropriate, be different from present common net purchase transaction, third party's Fund Supervision, the function technology of purchaser's fund appropriation condition examination.
4. according to the network technology platform described in claim 1, it is characterized in that: be provided with the fund retraction, ineligible to financing, invest aborted, the third party is as Fund Supervision side, can cash situation according to surplus capital situation or guaranty and return in proportion surplus capital, reduces the loss, or invest successfully, investment finishes, and presides over implementation benefit by the third party and distributes, and it is different from present common net purchase transaction, third party's Fund Supervision, the function technology that seller enforcement fund is return.
5. according to the network technology platform described in claim 1, it is characterized in that: its investment and financing port is open to a guy of institute and enterprise.
6. according to the network technology platform described in claim 1, it is characterized in that: the redemption function system can be set, by network platform side or financier, set the redeemable time limit, the redemption way, within this time limit, the investor can freely redeem according to the redemption way.
7. according to the network technology platform described in claim 1, it is characterized in that: disclosed information query system can be set, comprise every fund trend, the concrete detail of bargain transaction, the situation of holding of every contract.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310477575.8A CN103489126A (en) | 2013-10-14 | 2013-10-14 | Low-risk investing and financing method capable of opening to public by Internet |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310477575.8A CN103489126A (en) | 2013-10-14 | 2013-10-14 | Low-risk investing and financing method capable of opening to public by Internet |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103489126A true CN103489126A (en) | 2014-01-01 |
Family
ID=49829328
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310477575.8A Pending CN103489126A (en) | 2013-10-14 | 2013-10-14 | Low-risk investing and financing method capable of opening to public by Internet |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN103489126A (en) |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104463604A (en) * | 2014-12-15 | 2015-03-25 | 王升 | Real estate transaction anti-risk financing method and corresponding network system |
| CN104657896A (en) * | 2015-03-05 | 2015-05-27 | 东汇征信有限公司南京分公司 | Data acquisition and sharing system for CMS (credit management system) credit information sharing management |
| CN105354745A (en) * | 2015-12-03 | 2016-02-24 | 腾讯科技（深圳）有限公司 | Processing method of data information, data information processing platform and management platform |
| WO2016041120A1 (en) * | 2014-09-15 | 2016-03-24 | 深圳市融资城网络服务中心有限公司 | Risk control method and system for internet financing fund and project progress |
| CN105512891A (en) * | 2015-12-11 | 2016-04-20 | 常州众筹电子商务有限公司 | Control service platform and method |
| CN105809544A (en) * | 2014-12-31 | 2016-07-27 | 航天信息股份有限公司 | Financing processing method based on B2B e-commerce platform |
| CN105956958A (en) * | 2016-06-28 | 2016-09-21 | 蔡璟 | Patent application crowd-funding platform |
| CN106663269A (en) * | 2014-09-05 | 2017-05-10 | 微科普有限公司 | Crowdfunding intermediary service method and system using loan |
| CN106934717A (en) * | 2017-03-06 | 2017-07-07 | 苏州爱的网络科技有限公司 | A kind of network investment and financing method and investment and financing system |
| CN108053312A (en) * | 2017-12-25 | 2018-05-18 | 南京南邮信息产业技术研究院有限公司 | A kind of small minuscule-type-enterprise's small amount financial trade method based on big data |
| CN109191308A (en) * | 2018-08-15 | 2019-01-11 | 杭州复杂美科技有限公司 | A kind of project crowd based on block chain raises system |
| WO2022217562A1 (en) * | 2021-04-16 | 2022-10-20 | 普华云创科技(北京)有限公司 | Blockchain technology-based digital asset issuance method and system, and storage medium |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101421755A (en) * | 2006-09-01 | 2009-04-29 | 保险精算师控股有限公司 | Computer system and method for trading clipper financial instruments |
| CN102663646A (en) * | 2012-04-09 | 2012-09-12 | 山东华兴网络科技有限公司 | Online financing system |
| CN103020862A (en) * | 2012-12-26 | 2013-04-03 | 沈一钢 | Online credit investment-financing method and system |
-
2013
- 2013-10-14 CN CN201310477575.8A patent/CN103489126A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101421755A (en) * | 2006-09-01 | 2009-04-29 | 保险精算师控股有限公司 | Computer system and method for trading clipper financial instruments |
| CN102663646A (en) * | 2012-04-09 | 2012-09-12 | 山东华兴网络科技有限公司 | Online financing system |
| CN103020862A (en) * | 2012-12-26 | 2013-04-03 | 沈一钢 | Online credit investment-financing method and system |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106663269A (en) * | 2014-09-05 | 2017-05-10 | 微科普有限公司 | Crowdfunding intermediary service method and system using loan |
| WO2016041120A1 (en) * | 2014-09-15 | 2016-03-24 | 深圳市融资城网络服务中心有限公司 | Risk control method and system for internet financing fund and project progress |
| CN104463604A (en) * | 2014-12-15 | 2015-03-25 | 王升 | Real estate transaction anti-risk financing method and corresponding network system |
| CN105809544A (en) * | 2014-12-31 | 2016-07-27 | 航天信息股份有限公司 | Financing processing method based on B2B e-commerce platform |
| CN104657896A (en) * | 2015-03-05 | 2015-05-27 | 东汇征信有限公司南京分公司 | Data acquisition and sharing system for CMS (credit management system) credit information sharing management |
| CN105354745A (en) * | 2015-12-03 | 2016-02-24 | 腾讯科技（深圳）有限公司 | Processing method of data information, data information processing platform and management platform |
| CN105512891A (en) * | 2015-12-11 | 2016-04-20 | 常州众筹电子商务有限公司 | Control service platform and method |
| CN105956958A (en) * | 2016-06-28 | 2016-09-21 | 蔡璟 | Patent application crowd-funding platform |
| CN106934717A (en) * | 2017-03-06 | 2017-07-07 | 苏州爱的网络科技有限公司 | A kind of network investment and financing method and investment and financing system |
| CN108053312A (en) * | 2017-12-25 | 2018-05-18 | 南京南邮信息产业技术研究院有限公司 | A kind of small minuscule-type-enterprise's small amount financial trade method based on big data |
| CN109191308A (en) * | 2018-08-15 | 2019-01-11 | 杭州复杂美科技有限公司 | A kind of project crowd based on block chain raises system |
| WO2022217562A1 (en) * | 2021-04-16 | 2022-10-20 | 普华云创科技(北京)有限公司 | Blockchain technology-based digital asset issuance method and system, and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN103489126A (en) | Low-risk investing and financing method capable of opening to public by Internet | |
| Zhang et al. | China’s digital economy: Opportunities and risks | |
| Braun et al. | Central banking, shadow banking, and infrastructural power 1 | |
| Gupta et al. | A paradigm shift in banking: Unfolding asia’s fintech adventures | |
| Laurent et al. | The tokenization of assets is disrupting the financial industry. Are you ready | |
| CN108701328A (en) | The method, apparatus and computer-readable medium of dividend earned currency based on elastic securitisation | |
| Afzal et al. | Cryptocurrencies, blockchain and regulation: A review | |
| CN109993628A (en) | A kind of plantation product, cultivation product supply and demand management system and the method for the multiterminal interconnection based on block chain | |
| CN104240130A (en) | Investment and financing method using venture investment and financing system and venture investment and financing system | |
| Bayai | Financing structure and financial sustainability: Evidence from selected Southern Africa development community microfinance institutions | |
| Sarker | Islamic banking in Bangladesh: achievements and challenges | |
| Shmuratko et al. | FINANCIAL TECHNOLOGIES’IMPACT ON THE DEVELOPMENT OF BANKING | |
| TW202121314A (en) | Decentralized financial investment system based on blockchain including a risk investment end computer device, a stable income end computer device, a quantitative trading follow-up investment platform and a smart contract | |
| Lynn et al. | New sources of entrepreneurial finance | |
| Holmes | China's financial reforms in the global market | |
| Goyal | Payment systems to facilitate South Asian intraregional trade | |
| Rutledge | Who Will Take the Lead in Shaping China's Securitisation Market Model? | |
| Yu et al. | Alternative sources of capital attraction: crowdfunding and crowdinvesting startups | |
| Nagel et al. | Revisiting Blockchain token sales: How crypto companies raise (D) money | |
| Golić et al. | CHALLENGES OF FINANCIAL AND ACCOUNTING TREATMENT OF CRYPTO TOKENS | |
| Caputo et al. | Bonds and investment securities for SMEs in Italy: news introduced by the Development Decree | |
| Rosińska-Bukowska et al. | China's economic growth-selected financial aspects | |
| Hongyu et al. | The research of external financing options of small and medium-sized enterprises in China | |
| Boreiko | Decentralized finance and Non-Fungible Tokens | |
| Movitz et al. | What Does Financial Derivatives Really Got to Do with Jobs? Examining Causal Mechanisms between Aspects of Financialization, Work Intensification and Employment Insecurity |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20140101 |
|
| RJ01 | Rejection of invention patent application after publication |