CN104240130A - Investment and financing method using venture investment and financing system and venture investment and financing system - Google Patents
Investment and financing method using venture investment and financing system and venture investment and financing system Download PDFInfo
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Abstract
The invention relates to an investment and financing method using a venture investment and financing system and a venture investment and financing system. The method at least includes the steps that a financer fills content in through a financer client side module to generate an original mother contract, or a third party approved by the financer fills the content in through a contract generating system to generate the original mother contract, and original mother contract information is issued to an information inquiry module; an investor enters the information inquiry module through an investor client side module to inquire mother contract rights and interests obtained after purchasing the mother contract; the third party manages the investment capital obtained by the financer and investment incomes or is compatible with investment willingness consultation management through a third party supervision module. The investment and financing method has the excellent advantages that a new venture reduction measure mode and a share holding reduction mode are provided; the appropriation schedule of the capital is controlled by the third party supervision module, and once a significant change is found, capital putting is stopped in time; the participation autonomous right of the investor is improved through an opinion consulting module; a new venture equity financing mode is provided by means of a stock equity pledge mode.
Description
Technical field
The present invention relates to investment and financing field, be specifically related to a kind of the investment and financing method and the risk investment and financing system that utilize risk investment and financing system.
Background technology
At present, traditional investment money channel Jin You stock market, bank, fund etc., these investment channels, seriously constrain the numerous public, especially the public that financial strength is less, 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 to have the financier of good project, due to the shortage of capital, cause project to implement.
On the other hand, so-called network financing, because financing form limit, can only be have the mechanism of financial strength to participate in, and due to shortage of capital oversight mechanism etc., also limit the participation of the poor public of the lower ability to ward off risks of strength.
Generally speaking, present investment and financing field, seriously limits the participation of the poor public of the lower ability to ward off risks of strength, constrains the public and obtains higher gain on investments, also constrain potential science and technology and project incubation rate, hinders national science and technology development and promotes.
Summary of the invention
In order to overcome defect of the prior art, the object of this invention is to provide a kind of the investment and financing method and the risk investment and financing system that utilize risk investment and financing system.
The present invention is achieved by the following technical solutions:
Utilize an investment and financing method for risk investment and financing system, at least comprise the following steps:
The first step, financier, by financier's client modules or by obtaining the third party of financier's license by contract generation system, filling in contract content, generating original female contract, and by original female contract Information issued to information inquiry module;
Second step, investor enters information inquiry module by investor's client modules and buys original female contract, and investor buys the original female contract rights and interests of rear acquisition;
After investor buys original female contract, obtain corresponding contract rights and interests, obtain the right to the original female freedom of contract partition of correspondence simultaneously, contract generation system can be entered carry out fractionation for rights and interests shared by original female contract and generate molecule contract and be distributed to information inquiry module, buy for new investor, reciprocal successively, form molecule contract at different levels; Meanwhile, holding investor and original female contract of buying or molecule contract again can being fixed a price and be distributed to information inquiry module and conclude the business of original female contract or molecule contract, buys for new investor, successively back and forth; The same project that investor holds belongs to and can be merged with first phase all kinds of contracts of assigning out of financing by initial factor, and merging mode is divided into contract at the same level to merge and contract selection combination at different levels depending on contract right difference;
3rd step, third party carries out capital fund that financier obtains and gain on investments management or compatible investment willingness by third-party monitoring module and seeks the opinion of management.
Described technical scheme is preferably, and described investor generates by contract generation system and wants to buy contract, wants to buy contract and generates and can purchase by per list price holding of a unit procurement price quota free degree, also can set total purchase amount and formulate;
Described wanting to buy after contract generates is published on described information inquiry module; Orientation fractionation contract is carried out to the investor that the investor or factor that hold contract want to buy contract to correspondence; Contract after directed fractionation is sent to investor and subscribes; Meanwhile, return subscribing the contract do not become; And the contract after described orientation splits is before investor subscribes, contract partition can recall the contract split at any time.
Described technical scheme is preferably, and between described investor and investor, between investor and financier, buys matters by the contact of online communication module; Contract holder at different levels, to the common the knowledgeable that concludes the transaction online, can do the sub-contract of directed partition; And by selecting the mode sending investment user, the sub-contract directive sending that orientation broken is in the common the knowledgeable that concludes the transaction online.
Described technical scheme is preferably, and the capital fund that described financier obtains and gain on investments management, refer to that third party utilizes third-party monitoring module to carry out following management:
The fund of financier's gained first carries out Fund Supervision by third party, is then examined fund appropriation condition by third party, and carries out substep by examination situation and appropriate;
To there being pledge financier, carrying out Mortgage assets by third party and examining, and after handling mortgage registration, third-party monitoring can fully be paid financier the fund of financier's gained and use;
To the financing project not meeting financial terms, the project of taking a bath, third-party monitoring side can perform retraction operation to surplus capital, after performing retraction operation, system transfers working days project contract investor automatically, and calculate in contract agreement rights and interests ratio and corresponding return capital amount, then return corresponding working days project contract investor;
Investment is completed, investment contract redeemed or by contract agreement periodic dividend fund, counter fund is dialled in third-party monitoring side by financier, by third-party monitoring side, corresponding fund is performed batch operation, system transfers working days project contract investor automatically, and calculate corresponding distribution of fund volume in contract agreement rights and interests ratio, then distribute to corresponding working days project contract investor.
Described technical scheme is preferably, and described investment willingness seeks the opinion of management, refers to that third party can utilize third-party monitoring module to carry out following management:
Mode one:
Investor always buys amount or actual when failing to account amount the content reaching original female contract, and third party can send to investor and financier the suggestion whether continuing to invest or finance;
If financier determines to stop financing, then shut the book;
If financier determines to continue financing, for the investor that hope is exited, third-party monitoring side performs retraction operation, only exits the corresponding capital fund of investor and returns corresponding investor; Investment is then continued for remaining investor, and continues corresponding rights and interests;
Mode two:
Investor always buys amount or reality reaches project initiation requirement to account amount, and third party informs investor and financier, formal exploitation startup project, and fund carries out freezing to enter regulatory control sequence;
Mode three:
Development of projects fail the content reaching original female contract time, third party can send to investor and financier the suggestion whether continuing to invest or finance;
If financier determines to stop financing, then shut the book;
If financier determines to continue financing, for the investor that hope is exited, third-party monitoring side performs retraction operation, only to calculate in contract agreement rights and interests ratio corresponding return capital amount to exiting investor, then return corresponding working days project contract investor; Investment is then continued for remaining investor, and continues corresponding rights and interests.
Described technical scheme is preferably, and described investment and financing method can be used for fund financing, stock right financing, mortgage finance, financing by obligation;
Described stock right financing can take common equity transferor formula to finance; Also can take to pledge financing with equity; Especially for risk investment or angel investment project, project entity or registered project entity can be registered for project, pledge form financing with the said firm's equity, and by contract agreement investor hold pledge equity during female contract rights and interests of having; Specific implementation comprises:
Third-party monitoring side and financier set up project entity jointly, financier for the equity of pledging by third-party monitoring side on behalf of holding, and exercise correlative weight benefit, institute obtains rights and interests deed of mortgage of being correlated with and about arranges to be allocated in investor;
Correlative weight benefit on behalf of holding the registered project entity of financier for pledging the equity part of financing, and is exercised by third-party monitoring side, obtain relevant rights and interests deed of mortgage and arrange to be allocated in investor;
Financier first pledges first unified for pledged equity share in third-party monitoring side, then breaks in other investors by third-party monitoring side, and by third-party monitoring side on behalf of the relevant rights and interests of enforcement, institute obtains rights and interests deed of mortgage of being correlated with and about arranges to be allocated in investor;
Financier pledges equity share and directly pledges in original female contract investor.
The invention provides a kind of risk investment and financing system, comprise contract generation system, and investor's client modules, financier's client modules, third-party monitoring module, the information inquiry module of data interaction is carried out by public network and contract generation system, described information inquiry module also carries out data interaction with investor's client modules; Also can comprise suggestion and seek the opinion of module and/or online communication module, described suggestion seeks the opinion of module, online communication module carries out data interaction with investor's client modules, financier's client modules, third-party monitoring module respectively by public network;
Also be provided with redemption module, described redemption module by public network respectively with financier's client modules, third-party monitoring model calling.
Described contract generation system is used for that original female contract generates, buys the partition merging of contract at different levels, contract is fixed a price again and valency of answering is concluded the business, and corresponding contract generates, and wants to buy the generation of contract;
Described third-party monitoring module be used for financier invest progress, fund appropriation condition, use of funds, item related information disclosure, and project by progress fund appropriation, project premature termination fund is return, project investment completes fund allocation, project periodic dividend fund appropriation;
Described suggestion seek the opinion of module for project cannot complete contract agreement maybe cannot reach financing limit time, project continues or the suggestion that stops is seeked the opinion of and project is thrown in and managed;
Described online communication module is used for investor and investor, online transaction negotiation between investor and factor and orientation valency of answering and concludes the business.
Described third-party monitoring module is carried out Fund Supervision and is different from existing common net purchase transaction, third-party monitoring module is adopted to ensure funds flow, and the form that implementation substep is appropriated can according to specific investments progress and results form investment, control fund appropriation progress, once discovery great change, timely stopping fund being thrown in, thus stops loss in time.
Described technical scheme is preferably, and described contract generation system comprises original female contract generation module, wants to buy contract generation module, molecule contract generation module, contract merge module, partition progression administration module.
Described contract merges module and comprises rights and interests joint account module, corresponding original invested capital joint account module.
Described molecule contract generation module comprises rights and interests and module, contract pricing module is again calculated in corresponding original invested capital partition mutually.Described rights and interests joint account module, in contract merging process, calculates contract rights and interests after merging, and merging mode is divided into and at the same level merges, at different levelsly to integrate;
Described joint account formula at the same level is:
Pn＝Pn 1+Pn 2+……Pn N；
Described computing formula of integrating at different levels is:
P＝Pn 1+Pn 2+……Pn N+P
(n+1)1+P
(n+1)2+……P
(n+1)N+……；
Wherein, Pn represents rights and interests after being all n level merges, and P represents rights and interests after at different levels integrating, and Pn N represents the contract rights and interests of the N number of contract of n level, P
(n+1)n represents the contract rights and interests of the N number of contract of n+1 level;
Described rights and interests joint account module is set to after contract rights and interests being merged buy rear merging automatically, also can be set to buy rear buyer and select combination to merge voluntarily;
Described correspondence original invested capital joint account module, in contract merging process, calculates corresponding original invested capital after merging, and merging mode is divided into the merging of original invested capital peer, original invested capital is at different levels integrates;
Described original invested capital joint account formula at the same level is:
Mn＝Mn1+Mn2+……MnN；
Described original invested capital computing formula of integrating at different levels is:
M＝Mn1+Mn2+……MnN+M
(n+1)1+M
(n+1)2+……M
(n+1)N+……
Wherein, Mn represents invested capital after being all n level merges, and M represents invested capital after at different levels integrating, and MnN represents the invested capital of the N number of contract of n level, M
(n+1)n represents the invested capital of the N number of contract of n+1 level;
Described correspondence original invested capital joint account module merges after original invested capital merging can being set to purchase automatically, also can be set to buy rear buyer and select voluntarily to combine merging;
Described rights and interests and corresponding original invested capital partition calculate module mutually, split, be specially investor and split corresponding rights and interests volume or original invested capital for investor to the molecule contract produced in investment process; Split rear automatically complete corresponding rights and interests volume or original invested capital calculating, the mark that simultaneously completes partition progression n;
Automatically the computing formula completing corresponding rights and interests volume or original invested capital after described fractionation completes is:
Pn’N＝Mn’N×P
(n-1)/M
(n-1)
Wherein, Pn ' represents the rear corresponding rights and interests volume of fractionation, corresponding original invested capital after Mn ' expression splits, P
(n-1)represent corresponding female contract rights and interests volume before splitting, M
(n-1)corresponding female contract invested capital before splitting, N represents N number of molecule contract;
Described partition progression administration module, finally splits the value of progression n for third-party monitoring module installation, after the value setting of n, respective value is the final progression split.
Described technical scheme is preferably, and described third-party monitoring module comprises information announcing release module and fund appropriation administration module.
Described information announcing release module is used for third-party monitoring module and project information, investment progress, fund appropriation situation is issued;
Described fund appropriation administration module, for supervising the fund of financier's gained, is then examined fund appropriation condition by described third-party monitoring module, and appropriates according to examination situation substep.
Described fund appropriation administration module, also for the financier having pledge, carries out Mortgage assets by third party and to examine and after handling mortgage registration, third-party monitoring module is used the fund appropriation financier of financier's gained by fund appropriation administration module;
Described fund appropriation administration module is to the project not meeting financial terms or the project of taking a bath, and described third-party monitoring can utilize fund appropriation administration module to perform retraction operation to surplus capital; After having return, described contract generation system transfers working days project contract investor automatically, and calculates corresponding return capital amount in contract agreement rights and interests ratio, will return capital amount and return correspondence working days project contract investor after having calculated;
Described optional computing formula of returning capital amount has two, respectively:
Q＝K[Pn 1+Pn 2+……Pn N+P
(n+1)1+P
(n+1)2+……P
(n+1)N+……]/P (1)
Q＝K[Mn1+Mn2+……MnN+M
(n+1)1+M
(n+1)2+……M
(n+1)N+……]/M (2)
Wherein, Q represents and returns capital amount, and Pn N represents the contract rights and interests of the N number of contract of n level, P
(n+1)n represents the contract rights and interests of the N number of contract of n+1 level, and MnN represents the invested capital of the N number of contract of n level, M
(n+1)n represents the invested capital of the N number of contract of n+1 level; K represents can for returning total fund volume, and P represents that initial financier sets Total equity, and M represents that initial financier sets total financing;
Investment is completed, investment contract by factor by redeeming module and redeem or by contract agreement periodic dividend fund, counter fund is dialled in described fund appropriation administration module by financier, third-party monitoring module is by corresponding fund allocation, contract generation system transfers working days project contract investor automatically, and calculate corresponding distribution of fund volume according to contract agreement rights and interests ratio, and distribution of fund volume is appropriated to the working days project contract investor of correspondence;
The optional computing formula of described distribution of fund volume has two, is respectively:
Q’＝K’[Pn 1+Pn 2+……Pn N+P
(n+1)1+P
(n+1)2+……P
(n+1)N+……]/P (3)
Q’＝K’[Mn1+Mn2+……MnN+M
(n+1)1+M
(n+1)2+……M
(n+1)N+……]/M (4)
Wherein, Q ' represents distribution of fund volume, and Pn N represents the contract rights and interests of the N number of contract of n level, P
(n+1)n represents the contract rights and interests of the N number of contract of n+1 level, and MnN represents the invested capital of the N number of contract of n level, M
(n+1)n represents the invested capital of the N number of contract of n+1 level; K ' represents can supply distribution of fund total value, and P represents that initial financier sets Total equity, and M represents that initial financier sets total financing.
Described technical scheme is preferably, described suggestion seek the opinion of module for investor always buy amount or actual fail to reach the requirement of original contract to account amount time, described third-party monitoring module is seeked the opinion of module by suggestion and is sent the suggestion whether continuing to invest and finance to investor and financier; Financier seeks the opinion of module by suggestion and determines whether continuing financing; If financier does not want to continue financing, seek the opinion of module by suggestion and shut the book, arrived account fund and return investor by third-party monitoring module; If financier determines to continue financing, the investor exited for hope seeks the opinion of module by suggestion and submits to and exit application, correspondingly, performs the fund of returning operate by third-party monitoring module; Corresponding rights and interests are then continued for the investor also continuing to invest;
Described suggestion seek the opinion of module for investor always buy amount or actual reach project initiation requirement to account amount time, described third-party monitoring module is seeked the opinion of module by suggestion and is informed investor and financier, starts project, while fund enter regulatory control sequence;
Described suggestion seek the opinion of module also can be used for development of projects fail the content reaching original contract time, whether described third-party monitoring module sends to investor, financier and continues to invest or the suggestion of financing; If financier determines to stop financing, shut the book; If financier determines to continue financing, for the investor that hope is exited, third-party monitoring module performs and exits operation, only to calculate in contract agreement rights and interests ratio corresponding return capital amount to exiting investor; The investor continuing investment is then continued to invest and continues corresponding rights and interests.
Described technical scheme is preferably, and described financier's client modules and investor's client modules can arrange open authority, can be set to open institute a guy and enterprise, also can be arranged to only open to specific nature person.
Compared with prior art, superior effect of the present invention is: to be broken function by contract in the operating process of described investment and financing method, provide a kind of new risk reduction measures and reduction way; Adopt third-party monitoring module to ensure funds flow, carry out substep and appropriate, control fund appropriation progress, once find great change, timely stopping fund being thrown in, thus stops loss in time; Seek the opinion of module by suggestion, improve investor and participate in autonomy in investment process; Pledge pattern by equity, a kind of new risk stock right financing mode is provided.
Accompanying drawing explanation
Fig. 1 is a kind of process flow diagram utilizing risk system of investing and financing to carry out investing and financing of the present invention;
Fig. 2 is a kind of risk investment and financing system architecture schematic diagram of the present invention;
Fig. 3 is described contract generation system schematic diagram;
Fig. 4 is described third-party monitoring module diagram.
Accompanying drawing mark is as follows: 11-contract generation system, the original female contract generation module of 111-, 112-wants to buy contract generation module, 113-molecule contract generation module, 114-contract merges module, 115-partition progression administration module, 12-financier client modules, 13-investor client modules, 14-third-party monitoring module, 141-information announcing release module, 142-fund appropriation administration module, 15-information inquiry module, 16-suggestion seeks the opinion of module, 17-online communication module, 18-redeems module.
Embodiment
Below in conjunction with accompanying drawing, the specific embodiment of the invention is described in further detail.
Embodiment 1
As shown in Figure 1, the invention provides a kind of investment and financing method utilizing risk investment and financing system, comprising:
The first step, financier, by financier's client modules 12 or by obtaining the third party of financier's license by contract generation system 11, filling in contract content, generating original female contract, and by original female contract Information issued to information inquiry module 15.Amount, share, unit price, return rate or return rights and interests, the always power and responsibility such as the amount of subscribing, guaranty relevant information are subscribed in financier's setting.
Second step, investor enters information inquiry module 15 by investor's client modules 13 and buys original female contract, and investor buys the original female contract rights and interests of rear acquisition.
After investor buys original female contract, obtain corresponding contract rights and interests, obtain the right to the original female freedom of contract partition of correspondence simultaneously, contract generation system 11 can be entered carry out fractionation for rights and interests shared by original female contract and generate molecule contract and be distributed to information inquiry module 15, buy for new investor, reciprocal successively, form molecule contract at different levels; Meanwhile, holding investor and original female contract of buying or molecule contract again can being fixed a price and be distributed to information inquiry module 15 and conclude the business of original female contract or molecule contract, buys for new investor, successively back and forth; The same project that investor holds belongs to and can be merged with first phase all kinds of contracts of assigning out of financing by initial factor, and merging mode is divided into contract at the same level to merge and contract selection combination at different levels depending on contract right difference.
3rd step, third party carries out capital fund that financier obtains and gain on investments management or compatible investment willingness by third-party monitoring module 14 and seeks the opinion of management.
Between described investor and investor, between investor and financier, contacted by online communication module 17 and buy matters; Contract holder at different levels, to the common the knowledgeable that concludes the transaction online, can do the sub-contract of directed partition; And by selecting the mode sending investment user, the sub-contract directive sending that orientation broken is in the common the knowledgeable that concludes the transaction online.
The capital fund that described financier obtains and gain on investments management, refer to that third party utilizes third-party monitoring module to carry out following management, specifically comprise: the fund of financier's gained first carries out Fund Supervision by third party, then by third party, fund appropriation condition is examined, and carry out substep by examination situation and appropriate.
To there being pledge financier, carrying out Mortgage assets by third party and examining, and after handling mortgage registration, third-party monitoring can fully be paid financier the fund of financier's gained and use;
To the financing project not meeting financial terms, the project of taking a bath, third-party monitoring side can perform retraction operation to surplus capital, after performing retraction operation, system transfers working days project contract investor automatically, and calculate in contract agreement rights and interests ratio and corresponding return capital amount, then return corresponding working days project contract investor;
Investment is completed, investment contract redeemed or by contract agreement periodic dividend fund, counter fund is dialled in third-party monitoring side by financier, by third-party monitoring side, corresponding fund is performed batch operation, system transfers working days project contract investor automatically, and calculate corresponding distribution of fund volume in contract agreement rights and interests ratio, then distribute to corresponding working days project contract investor.
Described investment willingness seeks the opinion of management, refers to that third party can utilize third-party monitoring module to carry out following management, specifically comprises:
Mode one: investor always buys amount or actual when failing to account amount the content reaching original female contract, and third party can send to investor and financier the suggestion whether continuing to invest or finance;
If financier determines to stop financing, then shut the book;
If financier determines to continue financing, for the investor that hope is exited, third-party monitoring side performs retraction operation, only exits the corresponding capital fund of investor and returns corresponding investor; Investment is then continued for remaining investor, and continues corresponding rights and interests.
Mode two: investor always buys amount or reality reaches project initiation requirement to account amount, and third party informs investor and financier, formal exploitation startup project, fund carries out freezing to enter regulatory control sequence.
Mode three: development of projects fail the content reaching original female contract time, third party can send to investor and financier the suggestion whether continuing to invest or finance;
If financier determines to stop financing, then shut the book;
If financier determines to continue financing, for the investor that hope is exited, third-party monitoring side performs retraction operation, only to calculate in contract agreement rights and interests ratio corresponding return capital amount to exiting investor, then return corresponding working days project contract investor; Investment is then continued for remaining investor, and continues corresponding rights and interests.
Described investment and financing method can be used for fund financing, stock right financing, mortgage finance, financing by obligation; Further, described stock right financing can take common equity transferor formula to finance; Also can take to pledge financing with equity; Especially for risk investment or angel investment project, project entity or registered project entity can be registered for project, pledge form financing with the said firm's equity, and by contract agreement investor hold pledge equity during female contract rights and interests of having; Specific implementation comprises:
Third-party monitoring side and financier set up project entity jointly, financier for the equity of pledging by third-party monitoring side on behalf of holding, and exercise correlative weight benefit, institute obtains rights and interests deed of mortgage of being correlated with and about arranges to be allocated in investor;
Correlative weight benefit on behalf of holding the registered project entity of financier for pledging the equity part of financing, and is exercised by third-party monitoring side, obtain relevant rights and interests deed of mortgage and arrange to be allocated in investor;
Financier first pledges first unified for pledged equity share in third-party monitoring side, then breaks in other investors by third-party monitoring side, and by third-party monitoring side on behalf of the relevant rights and interests of enforcement, institute obtains rights and interests deed of mortgage of being correlated with and about arranges to be allocated in investor;
Financier pledges equity share and directly pledges in original female contract investor.A kind of risk investment and financing system of the present invention, comprise contract generation system 11, and investor's client modules 13, financier's client modules 12, third-party monitoring module 14, the information inquiry module 15 of data interaction is carried out by public network and contract generation system 11, described information inquiry module 15 also carries out data interaction with investor's client modules 13; Also comprise suggestion and seek the opinion of module 16 and online communication module 17, described suggestion seeks the opinion of module 16, online communication module 17 carries out data interaction with investor's client modules 13, financier's client modules 12, third-party monitoring module 14 respectively by public network; Also comprise and redeem module 18, described redemption module 18 is connected with financier's client modules 12, third-party monitoring module 14 respectively by public network.
Described information inquiry module 15 is for contract transaction record, and contract sells information, and contract wants to buy information, project information, investment progress, project examination situation, the issue of fund appropriation situation, service condition, storage, inquiry, display.
Financier's client modules 12 of the present invention and investor's client modules 13 can arrange open authority, as being set to open institute a guy and enterprise, also can be arranged to only open to specific nature person, determine according to actual conditions in a word, improve the participation of investment and financing.Described financier's client modules 12 and investor's client modules 13 open institute a guy and enterprise, ensure all items or have idea, have the enterprise of technology or individual to finance, also ensure that all public and enterprise can participate in the investment of project to go, and be that contract or personal investment are directly held to project or technology, enjoy investment project, or even Venture projects achievement erupts into the next wealth effects of long band.
Further, described contract generation system 11 comprises original female contract generation module 111, wants to buy contract generation module 112, molecule contract generation module 113, contract merge module 114, partition progression administration module 115; Particularly, described contract merges module 114 and comprises rights and interests joint account module, corresponding original invested capital joint account module; Described molecule contract generation module 113 comprises rights and interests and module, contract pricing module is again calculated in corresponding original invested capital partition mutually.
Described third-party monitoring module 14 comprises information announcing release module 141 and fund appropriation administration module 142; Project information, investment progress, fund appropriation situation are issued for third-party monitoring module 14 by described information announcing release module 141; Described fund appropriation administration module 142 is for supervising the fund of financier's gained, and then third-party monitoring side personnel examine fund appropriation condition, by described third-party monitoring module 14 and according to examination situation substep appropriate.
Described fund appropriation administration module 142 is also for the financier having pledge, carry out Mortgage assets by third party to examine and after handling mortgage registration, third-party monitoring side personnel use third-party monitoring module 14 by fund appropriation administration module 142, the fund appropriation financier of financier's gained to be used.
Described suggestion seek the opinion of module 16 for investor always buy amount or actual fail to reach the requirement of original contract to account amount time, third-party monitoring side personnel use described third-party monitoring module 14 to seek the opinion of module 16 by suggestion and send the suggestion whether continuing to invest and finance to investor and financier; Financier seeks the opinion of module 16 by suggestion and determines whether continuing financing; If financier does not want to continue financing, seek the opinion of module 16 by suggestion and shut the book, arrived account fund and used third-party monitoring module 14 to return investor by third-party monitoring side personnel; If financier determines to continue financing, the investor exited for hope seeks the opinion of module 16 by suggestion and submits to and exit application, correspondingly, uses third-party monitoring module 14 to perform the fund of returning operate by third-party monitoring side personnel; Corresponding rights and interests are then continued for the investor also continuing to invest.
Described suggestion seek the opinion of module 16 also for investor always buy amount or actual reach project initiation requirement to account amount time, third-party monitoring side personnel use described third-party monitoring module 14 to seek the opinion of module 16 by suggestion and inform investor and financier, startup project, fund enters regulatory control sequence simultaneously.
Described suggestion seek the opinion of module 16 also can be used for development of projects fail the content reaching original contract time, whether third-party monitoring side personnel use described third-party monitoring module 14 to send to investor, financier to continue to invest or the suggestion of financing; If financier determines to stop financing, shut the book; If financier determines to continue financing, for the investor that hope is exited, third-party monitoring side personnel use third-party monitoring module 14 to perform and exit operation, only to calculate in contract agreement rights and interests ratio corresponding return capital amount to exiting investor; The investor continuing investment is then continued to invest and continues corresponding rights and interests.
Embodiment 2
A kind of investment and financing method of risk investment and financing system that utilizes of the present invention also provides another embodiment, be with the distinguishing characteristics of embodiment 1, described investor also generates by contract generation system 11 and wants to buy contract, want to buy contract to generate and can purchase by per list price holding of a unit procurement price quota free degree, also can set total purchase amount and formulate.Described wanting to buy after contract generates is published on described information inquiry module 15; Orientation fractionation contract is carried out to the investor that the investor or factor that hold contract want to buy contract to correspondence; Contract after directed fractionation is sent to investor and subscribes; Meanwhile, return subscribing the contract do not become; And the contract after described orientation splits is before investor subscribes, contract partition can recall the contract split at any time.
The present invention is not limited to above-mentioned embodiment, and when not deviating from flesh and blood of the present invention, any distortion that it may occur to persons skilled in the art that, improvement, replacement all fall into scope of the present invention.
Claims (10)
1. utilize an investment and financing method for risk investment and financing system, it is characterized in that, at least comprise the following steps:
The first step, financier, by financier's client modules or by obtaining the third party of financier's license by contract generation system, filling in contract content, generating original female contract, and by original female contract Information issued to information inquiry module;
Second step, investor enters information inquiry module by investor's client modules and buys original female contract, and investor buys the original female contract rights and interests of rear acquisition;
After investor buys original female contract, obtain corresponding contract rights and interests, obtain the right to the original female freedom of contract partition of correspondence simultaneously, contract generation system can be entered carry out fractionation for rights and interests shared by original female contract and generate molecule contract and be distributed to information inquiry module, buy for new investor, reciprocal successively, form molecule contract at different levels; Meanwhile, holding investor and original female contract of buying or molecule contract again can being fixed a price and be distributed to information inquiry module and conclude the business of original female contract or molecule contract, buys for new investor, successively back and forth; The same project that investor holds belongs to and can be merged with first phase all kinds of contracts of assigning out of financing by initial factor, and merging mode is divided into contract at the same level to merge and contract selection combination at different levels depending on contract right difference;
3rd step, third party carries out capital fund that financier obtains and gain on investments management or compatible investment willingness by third-party monitoring module and seeks the opinion of management.
2. a kind of investment and financing method utilizing risk investment and financing system according to claim 1, it is characterized in that, described investor generates by contract generation system and wants to buy contract, want to buy contract to generate and can purchase by per list price holding of a unit procurement price quota free degree, also can set total purchase amount and formulate;
Described wanting to buy after contract generates is published on described information inquiry module; Orientation fractionation contract is carried out to the investor that the investor or factor that hold contract want to buy contract to correspondence; Contract after directed fractionation is sent to investor and subscribes; Meanwhile, return subscribing the contract do not become; And the contract after described orientation splits is before investor subscribes, contract partition can recall the contract split at any time.
3. a kind of investment and financing method utilizing risk investment and financing system according to claim 1, is characterized in that, between described investor and investor, between investor and financier, buys matters by the contact of online communication module; Contract holder at different levels, to the common the knowledgeable that concludes the transaction online, can do the sub-contract of directed partition; And by selecting the mode sending investment user, the sub-contract directive sending that orientation broken is in the common the knowledgeable that concludes the transaction online.
4. a kind of investment and financing method utilizing risk investment and financing system according to claim 1, is characterized in that, the capital fund that described financier obtains and gain on investments management, refer to that third party utilizes third-party monitoring module to carry out following management:
The fund of financier's gained first carries out Fund Supervision by third party, is then examined fund appropriation condition by third party, and carries out substep by examination situation and appropriate;
To there being pledge financier, carrying out Mortgage assets by third party and examining, and after handling mortgage registration, third-party monitoring can fully be paid financier the fund of financier's gained and use;
To the financing project not meeting financial terms, the project of taking a bath, third-party monitoring side can perform retraction operation to surplus capital, after performing retraction operation, system transfers working days project contract investor automatically, and calculate in contract agreement rights and interests ratio and corresponding return capital amount, then return corresponding working days project contract investor;
Investment is completed, investment contract redeemed or by contract agreement periodic dividend fund, counter fund is dialled in third-party monitoring side by financier, by third-party monitoring side, corresponding fund is performed batch operation, system transfers working days project contract investor automatically, and calculate corresponding distribution of fund volume in contract agreement rights and interests ratio, then distribute to corresponding working days project contract investor.
5. a kind of investment and financing method utilizing risk investment and financing system according to claim 1, it is characterized in that, described investment willingness seeks the opinion of management, refers to that third party can utilize third-party monitoring module to carry out following management:
Mode one:
Investor always buys amount or actual when failing to account amount the content reaching original female contract, and third party can send to investor and financier the suggestion whether continuing to invest or finance;
If financier determines to stop financing, then shut the book;
If financier determines to continue financing, for the investor that hope is exited, third-party monitoring side performs retraction operation, only exits the corresponding capital fund of investor and returns corresponding investor; Investment is then continued for remaining investor, and continues corresponding rights and interests;
Mode two:
Investor always buys amount or reality reaches project initiation requirement to account amount, and third party informs investor and financier, formal exploitation startup project, and fund carries out freezing to enter regulatory control sequence;
Mode three:
Development of projects fail the content reaching original female contract time, third party can send to investor and financier the suggestion whether continuing to invest or finance;
If financier determines to stop financing, then shut the book;
If financier determines to continue financing, for the investor that hope is exited, third-party monitoring side performs retraction operation, only to calculate in contract agreement rights and interests ratio corresponding return capital amount to exiting investor, then return corresponding working days project contract investor; Investment is then continued for remaining investor, and continues corresponding rights and interests.
6. a kind of investment and financing method utilizing risk investment and financing system according to claim 1, it is characterized in that, described investment and financing method can be used for fund financing, stock right financing, mortgage finance, financing by obligation;
Described stock right financing can take common equity transferor formula to finance; Also can take to pledge financing with equity; Especially for risk investment or angel investment project, project entity or registered project entity can be registered for project, pledge form financing with the said firm's equity, and by contract agreement investor hold pledge equity during female contract rights and interests of having; Specific implementation comprises:
Third-party monitoring side and financier set up project entity jointly, financier for the equity of pledging by third-party monitoring side on behalf of holding, and exercise correlative weight benefit, institute obtains rights and interests deed of mortgage of being correlated with and about arranges to be allocated in investor;
Correlative weight benefit on behalf of holding the registered project entity of financier for pledging the equity part of financing, and is exercised by third-party monitoring side, obtain relevant rights and interests deed of mortgage and arrange to be allocated in investor;
Financier first pledges first unified for pledged equity share in third-party monitoring side, then breaks in other investors by third-party monitoring side, and by third-party monitoring side on behalf of the relevant rights and interests of enforcement, institute obtains rights and interests deed of mortgage of being correlated with and about arranges to be allocated in investor;
Financier pledges equity share and directly pledges in original female contract investor.
7. a risk investment and financing system, it is characterized in that, comprise contract generation system, and investor's client modules, financier's client modules, third-party monitoring module, the information inquiry module of data interaction is carried out by public network and contract generation system, described information inquiry module also carries out data interaction with investor's client modules; Also can comprise suggestion and seek the opinion of module and/or online communication module, described suggestion seeks the opinion of module, online communication module carries out data interaction with investor's client modules, financier's client modules, third-party monitoring module respectively by public network;
Also be provided with redemption module, described redemption module by public network respectively with financier's client modules, third-party monitoring model calling;
Described contract generation system is used for that original female contract generates, buys the partition merging of contract at different levels, contract is fixed a price again and valency of answering is concluded the business, and corresponding contract generates, and wants to buy the generation of contract;
Described third-party monitoring module be used for financier invest progress, fund appropriation condition, use of funds, item related information disclosure, and project by progress fund appropriation, project premature termination fund is return, project investment completes fund allocation, project periodic dividend fund appropriation;
Described suggestion seek the opinion of module for project cannot complete contract agreement maybe cannot reach financing limit time, project continues or the suggestion that stops is seeked the opinion of and project is thrown in and managed;
Described online communication module is used for investor and investor, online transaction negotiation between investor and factor and orientation valency of answering and concludes the business.
8. a kind of risk investment and financing system according to claim 7, is characterized in that, described contract generation system comprises original female contract generation module, wants to buy contract generation module, molecule contract generation module, contract merge module, partition progression administration module;
Described contract merges module and comprises rights and interests joint account module, corresponding original invested capital joint account module;
Described molecule contract generation module comprises rights and interests and module, contract pricing module is again calculated in corresponding original invested capital partition mutually; Described rights and interests joint account module, in contract merging process, calculates contract rights and interests after merging, and merging mode is divided into and at the same level merges, at different levelsly to integrate;
Described joint account formula at the same level is:
Pn＝Pn 1+Pn 2+……Pn N；
Described computing formula of integrating at different levels is:
P＝Pn 1+Pn 2+……Pn N+P
(n+1)1+P
(n+1)2+……P
(n+1)N+……；
Wherein, Pn represents rights and interests after being all n level merges, and P represents rights and interests after at different levels integrating, and Pn N represents the contract rights and interests of the N number of contract of n level, P
(n+1)n represents the contract rights and interests of the N number of contract of n+1 level;
Described rights and interests joint account module is set to after contract rights and interests being merged buy rear merging automatically, also can be set to buy rear buyer and select combination to merge voluntarily;
Described correspondence original invested capital joint account module, in contract merging process, calculates corresponding original invested capital after merging, and merging mode is divided into the merging of original invested capital peer, original invested capital is at different levels integrates;
Described original invested capital joint account formula at the same level is:
Mn＝Mn1+Mn2+……MnN；
Described original invested capital computing formula of integrating at different levels is:
M＝Mn1+Mn2+……MnN+M
(n+1)1+M
(n+1)2+……M
(n+1)N+……
Wherein, Mn represents invested capital after being all n level merges, and M represents invested capital after at different levels integrating, and MnN represents the invested capital of the N number of contract of n level, M
(n+1)n represents the invested capital of the N number of contract of n+1 level;
Described correspondence original invested capital joint account module merges after original invested capital merging can being set to purchase automatically, also can be set to buy rear buyer and select voluntarily to combine merging;
Described rights and interests and corresponding original invested capital partition calculate module mutually, split, be specially investor and split corresponding rights and interests volume or original invested capital for investor to the molecule contract produced in investment process; Split rear automatically complete corresponding rights and interests volume or original invested capital calculating, the mark that simultaneously completes partition progression n;
Automatically the computing formula completing corresponding rights and interests volume or original invested capital after described fractionation completes is:
Pn’N＝Mn’N×P
(n-1)/M
(n-1)
Wherein, Pn ' represents the rear corresponding rights and interests volume of fractionation, corresponding original invested capital after Mn ' expression splits, P
(n-1)represent corresponding female contract rights and interests volume before splitting, M
(n-1)corresponding female contract invested capital before splitting, N represents N number of molecule contract;
Described partition progression administration module, finally splits the value of progression n for third-party monitoring module installation, after the value setting of n, respective value is the final progression split.
9. a kind of risk investment and financing system according to claim 7, it is characterized in that, described third-party monitoring module comprises information announcing release module and fund appropriation administration module;
Described information announcing release module is used for third-party monitoring module and project information, investment progress, fund appropriation situation is issued;
Described fund appropriation administration module, for supervising the fund of financier's gained, is then examined fund appropriation condition by described third-party monitoring module, and appropriates according to examination situation substep;
Described fund appropriation administration module is used for the financier having pledge, carries out Mortgage assets to examine and after handling mortgage registration, third-party monitoring module is used the fund appropriation financier of financier's gained by fund appropriation administration module by third party;
Described fund appropriation administration module is to the project not meeting financial terms or the project of taking a bath, and described third-party monitoring can utilize fund appropriation administration module to perform retraction operation to surplus capital; After having return, described contract generation system transfers working days project contract investor automatically, and calculates corresponding return capital amount in contract agreement rights and interests ratio, will return capital amount and return correspondence working days project contract investor after having calculated;
Described optional computing formula of returning capital amount has two, respectively:
Q＝K[Pn 1+Pn 2+……Pn N+P
(n+1)1+P
(n+1)2+……P
(n+1)N+……]/P (1)
Q＝K[Mn1+Mn2+……MnN+M
(n+1)1+M
(n+1)2+……M
(n+1)N+……]/M (2)
Wherein, Q represents and returns capital amount, and Pn N represents the contract rights and interests of the N number of contract of n level, P
(n+1)n represents the contract rights and interests of the N number of contract of n+1 level, and MnN represents the invested capital of the N number of contract of n level, M
(n+1)n represents the invested capital of the N number of contract of n+1 level; K represents can for returning total fund volume, and P represents that initial financier sets Total equity, and M represents that initial financier sets total financing;
Investment is completed, investment contract by factor by redeeming module and redeem or by contract agreement periodic dividend fund, counter fund is dialled in described fund appropriation administration module by financier, third-party monitoring module is by corresponding fund allocation, contract generation system transfers working days project contract investor automatically, and calculate corresponding distribution of fund volume according to contract agreement rights and interests ratio, and distribution of fund volume is appropriated to the working days project contract investor of correspondence;
The optional computing formula of described distribution of fund volume has two, is respectively:
Q’＝K’[Pn 1+Pn 2+……Pn N+P
(n+1)1+P
(n+1)2+……P
(n+1)N+……]/P (3)
Q’＝K’[Mn1+Mn2+……MnN+M
(n+1)1+M
(n+1)2+……M
(n+1)N+……]/M (4)
Wherein, Q ' represents distribution of fund volume, and Pn N represents the contract rights and interests of the N number of contract of n level, P
(n+1)n represents the contract rights and interests of the N number of contract of n+1 level, and MnN represents the invested capital of the N number of contract of n level, M
(n+1)n represents the invested capital of the N number of contract of n+1 level; K ' represents can supply distribution of fund total value, and P represents that initial financier sets Total equity, and M represents that initial financier sets total financing.
10. a kind of risk investment and financing system according to claim 7, it is characterized in that, described suggestion seek the opinion of module for investor always buy amount or actual fail to reach the requirement of original contract to account amount time, described third-party monitoring module is seeked the opinion of module by suggestion and is sent the suggestion whether continuing to invest and finance to investor and financier; Financier seeks the opinion of module by suggestion and determines whether continuing financing; If financier does not want to continue financing, seek the opinion of module by suggestion and shut the book, arrived account fund and return investor by third-party monitoring module; If financier determines to continue financing, the investor exited for hope seeks the opinion of module by suggestion and submits to and exit application, correspondingly, performs the fund of returning operate by third-party monitoring module; Corresponding rights and interests are then continued for the investor also continuing to invest;
Described suggestion seek the opinion of module for investor always buy amount or actual reach project initiation requirement to account amount time, described third-party monitoring module is seeked the opinion of module by suggestion and is informed investor and financier, starts project, while fund enter regulatory control sequence;
Described suggestion seek the opinion of module also can be used for development of projects fail the content reaching original contract time, whether described third-party monitoring module sends to investor, financier and continues to invest or the suggestion of financing; If financier determines to stop financing, shut the book; If financier determines to continue financing, for the investor that hope is exited, third-party monitoring module performs and exits operation, only to calculate in contract agreement rights and interests ratio corresponding return capital amount to exiting investor; The investor continuing investment is then continued to invest and continues corresponding rights and interests.
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