CN104794653A - Network direct financial limit control method - Google Patents
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- CN104794653A CN104794653A CN201410286265.2A CN201410286265A CN104794653A CN 104794653 A CN104794653 A CN 104794653A CN 201410286265 A CN201410286265 A CN 201410286265A CN 104794653 A CN104794653 A CN 104794653A
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- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 91
- 239000010931 gold Substances 0.000 claims description 91
- 229910052737 gold Inorganic materials 0.000 claims description 91
- 238000007726 management method Methods 0.000 claims description 49
- 230000006855 networking Effects 0.000 claims description 29
- 230000009885 systemic effect Effects 0.000 claims description 15
- 230000007812 deficiency Effects 0.000 claims description 11
- 239000012141 concentrate Substances 0.000 claims description 8
- 230000008859 change Effects 0.000 claims description 4
- 230000005540 biological transmission Effects 0.000 claims description 3
- 238000012545 processing Methods 0.000 abstract description 10
- 230000007246 mechanism Effects 0.000 abstract description 3
- 238000011835 investigation Methods 0.000 abstract description 2
- 230000002860 competitive effect Effects 0.000 description 15
- 238000010586 diagram Methods 0.000 description 5
- 238000011156 evaluation Methods 0.000 description 3
- 238000012797 qualification Methods 0.000 description 3
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- 238000010812 external standard method Methods 0.000 description 2
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- 238000013461 design Methods 0.000 description 1
- 230000008034 disappearance Effects 0.000 description 1
- 238000012216 screening Methods 0.000 description 1
- 238000005728 strengthening Methods 0.000 description 1
- 230000029305 taxis Effects 0.000 description 1
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Abstract
The invention provides a limit control method for network direct finance, which effectively improves the rigidness credit investigation mechanism in the known network bidding system, compares the total home-returning limit with the combined fund scale by a processing device to judge whether to accept the bidding competition of the member, and then deducts the sum of the combined fund scale from the total home-returning limit of the bidding member according to a limit movement sequence, and calculates the limit use fee according to different types of the moved limit.
Description
Technical field
The invention belongs to Electronic Finance commercial field, the amount control and management method that especially a kind of networking is directly financial.
Background technology
Since Internet occurs, just in a kind of banking system that can reflect networking form of searching, there is people in financial world and by its called after bank in future.But, even to this day, financial circles are to the utilization of networking science and technology, only terminate in the inside processing of traditional bank electronization, overall operation still operates under an operation thinking closed, and empty tool promotes bank's general job efficiency so-so, require to still have suitable distance apart from real networking financial efficiencyization, also therefore, the open direct financial operation system in networking, just becomes financial world and joins hands in the hope of the evolutionary path of modern bank.
In existing bank operation pattern, still using client in advance reference as credit risk keyholed back plate Main Means, the practice like this, (united credit verification), the gage such as be dependent on that credit is commented completely is as evaluation customer risk means, this operating type is in financial situation peaceful period, may because credit such as to comment cannot to tender guarantee product at the unsound and client of system, and client be rejected outside; If financial situation upheaval, then because risk evaluating system disappearance, cause linksystem financial apocalypse, namely financial tsunami occurs in recent years is best illustration.
For solving current financial circles predicament, 2006 Nian Qi Britain and the U.S. have two respectively with directly ZOPA and the Prosper website of finance for calling, networking, by debtor and creditor, client directly circulates on networking, to reduce the dependence of client to indirect finance, and promotes funds transaction efficiency.Although this website has the direct financial blank in networking, it cannot provide customer default to ensure, and the screening to client, be still dependent on letter completely and comment system, also therefore, cannot commercially implement on a large scale, concrete contribution is produced to overall financial market efficiency.
Rotating savings is then the direct financial debt-credit mode of a kind of Chinese frequent use among the people, what why it went has year, another kind financing pipeline except traditional bank is provided, separately have and make participant's forced savings, obtain and deposit compared with bank the good condition of borrowing money, evade the interests of taxes, in addition, can also by adding the consciousness of mutuality strengthening community group and accumulating the credit of oneself.The mode of rotating savings in the past, is look for as promoter the member that other want to add this mutuality by a meeting is first thereafter, then stipulates the date of meeting gold, issue, opening of bid substantially, uses internal standard method or the clause such as external standard method and end standard gold volume.And in opening date of tender, convene each member, and sort according to the standard gold height of each member, the winning bidder in this time of the meeting is with the highest standard gold person, all the other members are according to the regulation of internal standard method or external standard method, and oneself can member or extremely member for living, and pays the fund that should pay separately and gives this winning bidder, this also that is complete this time of the meeting.
Within 2008, Yongfeng bank releases MMA rotating savings money management network, namely carries out improveing the direct financial innovation scheme in proposed networking based on Taiwan rotating savings among the people (ROSCA).Deposit by means of a bulk properties because rotating savings itself has, its direct financial efficiency is better than ZOPA, Prosper two websites, but how effectively to use its machine-processed characteristic, create more effective amount keyholed back plate scheme, to expand customer involvement, realizing the financial system that rationally and fully represents the directly financial advantage in networking, is that crowd expected now.Duty is event, and inventor visualizes the present invention's " direct financial amount control and management method in networking ", is below brief description of the present invention.
Summary of the invention
An object of the present invention is the problem solving prior art.
Another object of the present invention is to provide the method rationalizing amount keyholed back plate in the direct financial system in networking, promote trading efficiency, and expand the objective group of participation simultaneously, improve Capital Flow kinetic energy.
According to conception of the present invention, the amount control and management method of the direct financial sector in a kind of networking is proposed, it is realized by a treating apparatus, this amount control and management method comprises following steps: (A) makes this treating apparatus accept a member adding a rotating savings group collection, and this rotating savings group collection comprises the combination of multiple rotating savings; (B) this treating apparatus is made to receive a credit assurance amount of this member; (C) make this treating apparatus accept this member and concentrate at least one rotating savings combination of participation in this rotating savings group; (D) make this treating apparatus concentrate the Huo Hui deposit society gold paid at least one rotating savings combination of participated in this to calculate one group of collection nature amount and after all family amount according to this member in this rotating savings group, wherein this after all family amount be this group collection nature amount and this credit assurance amount sum; (E) this treating apparatus is made to receive this member in a bid price of its one first rotating savings combination participated in; (F) make this treating apparatus judge this member this after all family amount whether be greater than a combination capital scale of this first rotating savings combination, wherein, this combination capital scale of this first rotating savings combination be the combination of this first rotating savings one substantially can gold and this first rotating savings combine one always issue subtract the product of, this can gold be the every non-accruals grace payment amount of money of the arbitrary member of first phase during this first rotating savings combines substantially; (G) if this after all family amount be greater than this first rotating savings combination this combination capital scale, this treating apparatus is then made to agree to this bid price of this member, and move according to an amount amount of money that Zhi Shunxu sequentially reduces this combination capital scale in this after all family amount, this amount is moved Zhi Shunxu and is:
First is preferential: this group collection nature amount,
Second is preferential: this credit assurance amount,
Namely when this group collection nature amount is not enough to deduct this combination capital scale, then this treating apparatus is by the part deducting this group collection nature amount institute deficiency in this credit assurance amount;
(H) if this after all family amount be less than this first rotating savings combination this combination capital scale, then make this treating apparatus recall this bid price; And (I) is if this treating apparatus is agreed to this bid price of this member and judged that this member must mark, then making this treating apparatus calculate this member obtainable according to this bid price must standard gold, this bid price is one of this phase must standard gold, and calculates the amount usage charges paid needed for this member according to the amount of money deducted in this credit assurance amount.
More preferably, this group collects nature amount for this member and concentrates all this Huo Hui deposit society gold paid in the combination of participated in rotating savings to add meter one each phase mark breath sum in this rotating savings group, and wherein this each phase mark breath is somebody's turn to do mark standard gold number, a systemic presupposition number or all being somebody's turn to do of each phase to obtain the above one of mark standard gold number mean value for each phase in the combination of participated in rotating savings.
More preferably, this credit assurance amount of this member comprises one first and ensures that amount and one second ensures amount, corresponding one first amount of this first guarantee amount uses rate, corresponding one second amount of this second guarantee amount uses rate, this second amount uses rate to be greater than this first amount and uses rate, and this amount in this step (G) is moved Zhi Shunxu and is:
First is preferential: this group collection nature amount,
Second is preferential: this first guarantee amount,
3rd is preferential: this second guarantee amount,
Namely when this group collection nature amount is not enough to deduct this combination capital scale, then this treating apparatus is by the part deducting this group collection nature amount institute deficiency in this first guarantee amount, if this group collection nature amount and this first ensure that amount is when being still not enough to deduct this combination capital scale, this treating apparatus is again by this second part ensureing deficiency more than deduction institute in amount.
More preferably, described amount control and management method more comprises the following steps: (I1) if this treating apparatus is agreed to this bid price of this member and is judged that this member must mark, then this treating apparatus respectively according to this first ensure amount and this second ensure that the amount of money deducted in amount calculates the amount usage charges paid needed for this member and is: (this first ensure amount amount deducted) x (this first amount uses rate)+(this second ensure amount amount deducted) x (this second amount uses rate).
More preferably, in step (I), this bid price of this member compares with a systemic presupposition value to judge whether this member must mark by this treating apparatus, if this bid price is not less than this systemic presupposition value, then this treating apparatus judges that this member must mark, if this bid price is less than this systemic presupposition value, then this treating apparatus judges that this member loses a bid.
More preferably, described amount control and management method more comprises the following steps: (J) is if this member loses a bid, then making this treating apparatus transmission one first this member of payment information requirement pay a current work can be golden, wherein this current deposit society gold for this substantially can gold or this substantially can subtract each phase mark breath by gold, wherein this each phase mark breath this bid price that is this member, a systemic presupposition mark breath, other obtains the above one of mean value of this bid price of rotating savings person and this bid price of all rotating savings persons; And (H) make this treating apparatus transmit in one second this rotating savings of payment information requirement combination in previously can interim target member pay a refund can gold.
More preferably, be somebody's turn to do to obtain standard gold, this current deposit society gold, and this refund can be determined by following formula by gold: A
n=(U-I
n) × (N-n)+U × (n-1)
Wherein, A
nobtain standard gold for successful tenderer obtains target in this rotating savings the n-th phase of combining, N is total issue of this rotating savings combination, and U is that this substantially can be golden, I
nbe that this rotating savings of the n-th phase combines to obtain this bid price of rotating savings person, this current deposit society gold is U-I
n, this refund can gold be U.
More preferably, be somebody's turn to do to obtain standard gold, this current deposit society gold, and this refund can be determined by following formula by gold:
Wherein, A
nobtain standard gold for successful tenderer obtains target in this rotating savings the n-th phase of combining, N is total issue of this rotating savings combination, and U is that this substantially can be golden, I
ibe that this rotating savings of the i-th phase combines to obtain this bid price of rotating savings person, this current deposit society gold is U, and this refund can gold be U+I
i.
By the following example and illustrate, make more deep understanding the present invention.
Accompanying drawing explanation
Fig. 1 is the configuration diagram of an embodiment of the direct financial sector in networking of the present invention;
Fig. 2 is an embodiment schematic flow sheet of the direct financial amount control and management method in networking of the present invention;
Fig. 3 is the configuration diagram of the embodiment of the money peace control and management method of direct point-to-point information exchange system of the present invention;
Fig. 4 is the implementing procedure figure of the money peace control and management method of direct point-to-point information exchange system of the present invention.
Main element symbol description
User side terminating machine 110
The direct financial sector 10 in networking
Member's quota control module 103
Rotating savings combined treatment module 104
Competitive bidding processing module 105
Processing module 106 is completed a business transaction in clearing
Data bank 101
Step 201-219
Direct point-to-point information exchange system 300
Central management servomechanism 301
Data bank 303
Subscriber node 305
Internet 307
Servomechanism group 309
Servomechanism 311
Step 401-404
Embodiment
Below will explain content of the present invention by embodiment, embodiments of the invention and be not used to restriction the present invention can must implement in any specific environment as described embodiments, application or particular form.Therefore, the explanation about embodiment is only explaination object of the present invention, and is not used to limit the present invention.Following examples and graphic in, the element relevant to non-immediate of the present invention omits and does not illustrate, and graphic in each interelement size relationship be only and ask easy understanding, be not used to limit actual ratio.
Before with reference to the present invention's diagram, the similarities and differences of the networking label system that the first detailed description direct financial technique in networking of the present invention is innovated and Traditional Folk rotating savings.There is object for meeting the mutual financing needs of member in a colony in rotating savings combination of the present invention, and by there is competitive bidding qualification member by phase competitive bidding to determine fund attaching relation in combination.Within the valid period in the time of the meeting, every first phase is all opened bid once, must mark, and obtain to obtain standard gold to go out most high standard person.Because each member only once obtains marking machine meeting, namely member once lose following each phase subscript qualification after must marking, unsuccessful bidder then retains next period competitive bidding qualification.Must further illustrate for the first phase and Final Issue, rotating savings combination of the present invention is adopted without can firstly make, undertake rotating savings operation and member's liability for breach of contract by system, therefore can first certainly must mark different from rotating savings first phase among the people, all can competitive bidding first phase membership; As for Final Issue, although nominally still can competitive bidding, due to an only surplus suitor, so in fact Final Issue there is no competitive bidding activity.
Close at payment funding and fasten, the fund of rotating savings combination comes between member completely to be circulated each other, and therefore payment funding is a fund zero-sum relation.Current winning bidder will have the right to obtain other members (comprise unsuccessful bidder and winning bidder) and pay fund; As for unsuccessful bidder and winning bidder, all obligated payment winning bidder's fund, both essential difference are that unsuccessful bidder will affect its following payment by competitive bidding following each phase, and winning bidder then must repay previous gained fund with monthly payment plan pattern by the phase.
Lose a bid, must mark and current winning bidder, answer receipt and payment fund account form, then divide into interior mark and external standard two kinds of patterns.Current have to rotating savings person then comprise one live can member extremely can member with one, this work member can refer to this member still lost a bid in rotating savings combination, damned meeting member then refer to the member that previously must mark in the combination of this rotating savings, acquired by rotating savings person must standard gold be comprise this works can member and damned can member all current have to rotating savings person current can be golden summation, or this summation deducts a service fee.
Wherein, this competitive bidding condition is a standard gold number.The rotating savings of one Internal Standard Mode is combined, this work can the Huo Hui deposit society gold of member for substantially the standard gold number that proposes of rotating savings person can be deducted to obtain by gold, damned can member extremely can refund can gold for this substantially can gold.To an outer target rotating savings combination, the Huo Hui deposit society gold of this meeting of living member is that this substantially can be golden, and extremely refunding of damned meeting member golden can add the previous standard gold number obtaining timestamp and propose of damned meeting member for this by gold substantially.
In general, having people to bid competitive bidding, each time of the meeting loses a bid, must mark and current winning bidder answers receipt and payment fund account form, and it is as follows that its amount of money pays formula:
1. current winning bidder is obtainable must standard gold:
(1) Inner Standard system: A
n=(U-I
n) × (N-n)+U × (n-1)
(2) outer Standard system:
2. unsuccessful bidder need pay Huo Hui deposit society gold:
(1) Inner Standard system: U-I
n
(2) outer Standard system: U
3. early stage winning bidder need pay extremely can refund can gold:
(1) Inner Standard system: U
(2) outer Standard system: U+I
n
Wherein:
A
nfor successful tenderer obtains target in the n-th phase must standard gold;
U is substantially can be golden;
N is total issue of rotating savings combination;
N is current issue, and n is less than or equal to N;
I
nfor rotating savings person in the n-th phase must standard gold; And
Wherein, I
ifor external standard member i-th phase must standard gold, i is less than n;
Above-mentioned payment calculates and is only a basic formula, not yet takes into account system service expense.
Next please refer to Fig. 1 and Fig. 2, wherein Fig. 1 is the configuration diagram of an embodiment of the direct financial sector in networking of the present invention, and Fig. 2 is the schematic flow sheet of an embodiment of the direct financial amount control and management method in networking.
In FIG, the one direct financial sector 10 in networking comprises a treating apparatus, such as servomechanism, member's quota control module 103 is comprised in this treating apparatus, rotating savings combined treatment module 104, competitive bidding processing module 105, module 106 is completed a business transaction in clearing, and a data bank 101, one user is by a user side terminating machine 110 such as computer, screen, the equipment such as mobile phone login the direct financial sector 10 (servomechanism) in this networking, and application adds a rotating savings group collection and becomes member, this rotating savings group collection comprises the combination of multiple rotating savings, rotating savings combined treatment module 104 can receive this member and selection can be concentrated to participate in the combination of at least one rotating savings in this rotating savings group.
In fig. 2, this treating apparatus receives a credit assurance amount of this member and is stored in data bank 101, interim in a specific meeting, this treating apparatus receives a member and in a rotating savings combination, proposes a bid price (step 201) by this terminal device, this bid is a standard gold amount of money, member's quota control module 103 of this treating apparatus by this member instantly one after all family amount and this rotating savings combine one combine capital scale and compare, judge whether this member after all family amount is instantly greater than the combination capital scale (step 202) of this rotating savings combination, wherein this combination capital scale be this rotating savings combination basic can gold with this rotating savings combine one federation issue subtract one product, this can gold be non-accruals grace payment amount of money of the arbitrary member of first phase every in the combination of this rotating savings substantially, this after all family amount be that this member is in a natural amount of this rotating savings group collection and this credit assurance amount sum, this natural amount ceases sum for this member of this treating apparatus instant computing concentrates all this Huo Hui deposit society gold paid in participated in rotating savings combination to add each phase mark of meter one in this rotating savings group, wherein this each phase mark breath is that during participated in rotating savings combines, being somebody's turn to do of each phase to obtain mark standard gold number, one systemic presupposition number, or all of each phase are somebody's turn to do to obtain the above one of mark standard gold number mean value.
If member's quota control module 103 of this treating apparatus judges that the after all family amount of this member is less than this combination capital scale of this rotating savings combination, then representing that member itself has instantly all after all families amount is not enough to bear must the borrowing balance of standard gold, therefore this bid price recalled by treating apparatus, and enter clearing and complete a business transaction program (step 220), the clearing for the treatment of apparatus complete a business transaction module 106 according to current rotating savings combine standard gold volume calculate a current work can gold, and transmit a payment information require that this member pays current work can gold.
If member's quota control module 103 of this treating apparatus judges that the after all family amount of this member is greater than this combination capital scale of this rotating savings combination, then this bid price of this member agreed to by this treating apparatus, and judge whether this member must mark (step 204), competitive bidding processing module 105 according to the bid price of this member be whether bid in the combination of this rotating savings the highest, or bid is with several before height to low rank, or bid above a systemic presupposition value, decide this member and whether must mark.
If the competitive bidding processing module 105 of this treating apparatus judges that this member loses a bid, then the clearing for the treatment of apparatus complete a business transaction module 106 in clearing complete a business transaction in program (step 220) according to current rotating savings combine standard gold volume calculate a current work can gold, and transmit a payment information require this member pay current work can gold.
If competitive bidding processing module 105 judges that this member must mark, then member's quota control module 103 for the treatment of apparatus moves according to an amount amount of money that Zhi Shunxu sequentially reduces this combination capital scale in this after all family amount, and this amount is moved Zhi Shunxu and is:
First is preferential: this group collection nature amount,
Second is preferential: this credit assurance amount,
Namely, when this group collection nature amount is not enough to deduct this combination capital scale, this member's quota control module 103 is again by the part deducting this group collection nature amount institute deficiency in this credit assurance amount.
Due to group collect nature amount be according to member itself in rotating savings group concentrate the Huo Hui deposit society of each phase gold produced, namely created by member itself, therefore platform dealer is without the need to bearing extra credit cost or default risk, therefore also can not collect any credit expense for the use of group collection nature amount, credit assurance amount then comes from credit or the guarantee of credit mechanism, therefore platform need collect certain guarantee amount usage charges for the credit assurance amount that member employs, for factor, should first be borrowed money in advance by the supplier of low fund cost, therefore namely the principle of amount keyholed back plate is in the present invention, first preferentially employ by for the amount of the low use rate of member, the natural amount that member itself creates is then without the need to usage charges, therefore amount to move Zhi Shunxu the most preferential.
Therefore, when competitive bidding processing module 10 judges that this member must mark, then member can obtain one must standard gold, and paying one for each issue in the follow-up time of the meeting (namely extremely can the time of the meeting), extremely can refund can gold, namely its deducted amount of withdrawing the money is equivalent to this combination capital scale, and have precedence over this and obtain in the group collection nature amount of rotating savings person and deduct, therefore first member's quota control module 103 judges whether the group collection nature amount of this member is less than this combination capital scale (step 206).If not, then represent that the group collection nature amount of this member enough deducts this combination capital scale and credit assurance amount without the need to employing this member, therefore after this member nature amount deducted this combination capital scale by member's quota control module 103, calculate its residue amount (step 211), calculate the after all family amount of this member in next time of the meeting or the combination of other rotating savings according to this, thereafter and carry out clearing and complete a business transaction program (step 220), clearing complete a business transaction module 106 calculate this member obtainable according to this bid price must standard gold.If, then represent that the group collection nature amount of this member is not enough to deduct this combination capital scale, member's quota control module 103, again by the part deducting this group collection nature amount institute deficiency in this credit assurance amount, calculates credit line usage charges according to the amount deducted in this credit assurance amount thereafter again.
In a preferred embodiment, this credit assurance amount of this member comprises one first and ensures that amount and one second ensures amount, corresponding one first amount of this first guarantee amount uses rate, corresponding one second amount of this second guarantee amount uses rate, this second amount uses rate to be greater than this first amount and uses rate, then according to above-mentioned principle of being borrowed money in advance by the supplier of low fund cost, the amount of this member is moved Zhi Shunxu and is:
First is preferential: this group collection nature amount,
Second is preferential: this first guarantee amount,
3rd is preferential: this second guarantee amount,
Namely when this group collection nature amount is not enough to deduct this combination capital scale, then member's quota control module 103 of this treating apparatus 10 is by the part deducting this group collection nature amount institute deficiency in this first guarantee amount, if this group collection nature amount and this first ensure that amount is when being still not enough to deduct this combination capital scale, member's quota control module 103 is again by this second part ensureing deficiency more than deduction institute in amount.
Therefore, continue precedent, when treating apparatus judges that the group collection nature amount of this member is less than this combination capital scale (step 206), then member's quota control module 103 judges whether the group collection nature amount of this member and this first guarantee amount sum are less than this combination capital scale (step 208) further, if not, then represent the group collection nature amount of this member and this first ensure that amount sum is enough deducted this combination capital scale and second ensures amount without the need to employing this member, therefore member's quota control module 103 by this member nature amount and this first ensure that amount sum deducts this combination capital scale after, calculate its residue amount (step 213), calculate the after all family amount of this member in next time of the meeting or the combination of other rotating savings according to this, simultaneously member's quota control module 103 first to ensure that the amount deducted in amount calculates credit line usage charges be (this first ensure the amount deducted in amount) x (this first ensure amount use rate) (step 215) according to this, thereafter and carry out clearing and complete a business transaction program (step 220), the clearing of this treating apparatus complete a business transaction module 106 calculate this member obtainable according to this bid price must standard gold.If, then represent that group collection nature amount and this first guarantee amount sum of this member are not enough to deduct this combination capital scale, this member's quota control module 103 is again by the part deducting this group collection nature amount and this first guarantee amount institute deficiency in this second guarantee amount, calculate its residue amount (step 217), calculate the after all family amount of this member in next time of the meeting or the combination of other rotating savings according to this.Thereafter, according to this, first to ensure that amount that amount and second ensures to deduct in amount calculates amount usage charges be (this first ensure the amount deducted in amount) x (this first ensure that amount uses rate)+(this second ensure the amount deducted in amount) x (this second ensure amount use rate) (step 219) to member's quota control module 103 again, thereafter and carry out clearing and complete a business transaction program (step 220), clearing complete a business transaction module 106 calculate this member obtainable according to this bid price must standard gold.
Above-mentioned credit assurance amount is only simple example, more how different guarantee amount settings can be comprised during actual operation, such as the 3rd ensures that amount, the 4th ensures amount etc., again for an embodiment, suppose that platform will ensure that the kind of amount arranges into following table according to different credit risks with platform cost:
| Ensure amount kind | The accrediting amount | Amount uses rate |
| Group collection nature amount | Current 1,600,000 | 0 |
| Car is borrowed | 300000 | 1％ |
| Fiduciary loan | 400000 | 2％ |
| Two tire housing loans | 3000000 | 4％ |
Shown in upper table, the current after all family amount of this member is 16,0+3,0+4,0+3,00=,530 ten thousand, it is group collection nature amount, car loan, fiduciary loan, two tire housing loans that amount uses rate from low to high, now, the principle of being borrowed money in advance by the supplier of low fund cost is, the amount of this member is moved Zhi Shunxu and is:
First is preferential: the group collection nature amount of this member,
Second is preferential: the car of this member is borrowed,
3rd is preferential: the fiduciary loan of this member,
4th is preferential: the two tire housing loans of this member,
Suppose that this member is in one 25 phases, the interior mark rotating savings combination the 10th of each issue 100,000 is interim with 5000 bid price subscripts, the combination capital scale of this rotating savings combination is (25-1) * 10 ten thousand=2,400,000, if treated device judges to obtain mark, its must mark can according to this bid price in the combination of this rotating savings with the comparing of other members, getting the highest or front several high persons is winning bidder, or directly and a systemic presupposition value (can according to system fund water level, market rate determines) compare, be not less than this systemic presupposition value and be winning bidder, then be somebody's turn to do rotating savings person obtainable must standard gold be (100, 000-5, 000) * (25-10)+(100, 000x (10-1))=95, 000*15+100, 000*9=2, 325, 000 yuan, this member then need pay 100 each issue in the follow-up time of the meeting that this rotating savings combines, 000 extremely can refund can gold.Simultaneously, this treating apparatus also moves Zhi Shunxu according to above-mentioned amount and sequentially deducts this combination capital scale 2,400,000, sequentially deduct the group collection nature amount of 1,600,000, the car of 300000 is borrowed, the credit of 400000, with 100,000 two tire housing loans, its residue amount is the two tire housing loans of 2,900,000, it is (300 that treating apparatus also calculates amount usage charges according to this, 000*1%)+(400, 000*2%)+(100, 000*3%)=14, 000 yuan, therefore this member is obtaining 2, 325, 000 yuan must while standard gold, also burden 14 is needed, the amount usage charges of 000 yuan, therefore this member currently actually obtains 2 must mark, 325, 000-14, 000=2, 311, the amount of money of 000 yuan.
In sum, the invention provides networking directly finance one rationally and have the amount control and management method of efficiency concurrently, improve the reference mechanism ossify in the label system of traditional networking, it has following advantage:
1. effectively reducing platform reference cost, to the depositor of faithlessness risk, Arbitrageur without the need to carrying out reference, bank's operating cost can be reduced.
2. provide objective credit evaluation standard, the credit created with client oneself, namely combining nature amount is main credit evaluation basis, and is aided with bank reference system and provides client additionally to circulate required credit support.
3., using the foundation that after all family amount is assessed as customer Credit Risk, reduce bank and tradition connection system of levying is relied on, when avoiding credit investigation system malfunctioning, systemic credit risk possibility is produced to platform.
4. reduction client is rejected and adds or credit error assessment possibility, promotes customer involvement wish and market kinetic energy.
5. reduce the threshold of customer involvement rotating savings group collection, accelerate the auditing flow of member subscription, and then reduce the customer waits time.
6. set different use rates according to different reference costs, member is made to bear rational cost while a dynamic amount, member obtain many Cash Flows flexible while, system dealer also can obtain rational recompense for the reference expenditure paid, and reaches the effect of doulbe-sides' victory platform dealer and user.
7., in customer involvement threshold reduction situation, depositing can closer to market situation by means of proportion, and funds transaction can be more efficient.
Comprehensive above description, the direct financial amount control and management method in networking that the present invention provides one rationally to have efficiency concurrently really, the cost of platform can be reduced, promote transaction processing efficiency, improve number of users and promote Capital Flow and promote its industrial value, the real innovative design belonging to difficult energy, therefore, file an application in accordance with the law.
It should be noted that the present invention also relates to a kind of money for direct point-to-point information exchange system peace control and management method, please refer to Fig. 3, the configuration diagram of the embodiment of the money peace control and management method of its direct point-to-point information exchange system of the present invention.Direct point-to-point information exchange system 300 of the present invention comprises central management servomechanism 301, multiple data bank 303 and multiple subscriber node 305, and multiple data bank 303 and multiple subscriber node 305 are linked by Internet 307 and central management servomechanism 301.
Money peace control and management method of the present invention comprises following steps: (A) makes each subscriber node 305 belong to multigroup safety grade and combine one of them, each subscriber node 305 has node security ranked data, each group safe class combination has a combination safe class data and a sum total safe class data, and this sum total safe class data calculates based on this combination safe class data and this node security ranked data; (B) this central management servomechanism 301 is received this node 305 safe class data and this combination safe class data by this Internet 307, transmitted by this Internet 307 and stores it dispersedly and calculate this sum total safe class data of each group safe class combination in the plurality of data bank 303; (C) each subscriber node 305 is made to change its safe class; And (D) this central management servomechanism 301 performs a safety decision criteria to verify whether subscriber node 305 meets a safety standard after variation safe class, if subscriber node 305 meets this safety standard after variation safe class, then retain this subscriber node 305 among the combination of this group safe class, if subscriber node 305 does not meet this safety standard after variation safe class, then this subscriber node 305 is removed from the combination of this group safe class.
Wherein central management servomechanism 301 is for passing through Internet 307 (such as: networking, high in the clouds) Control and coordination one servomechanism group 309, this servomechanism group 309 comprises multiple stage servomechanism 311, this central management servomechanism 301 is selected from treating apparatus, and subscriber node 305 operates for particular member for user's terminal.The money peace control and management method that the present invention is directed to direct point-to-point information exchange system 300 is applicable to the amount keyholed back plate of the direct financial sector in networking, now these safe classes combination is selected from the combination of multiple rotating savings, these node security ranked data are selected from credit assurance amount, this combination safe class data is selected from group collection nature amount, and this sum total safe class data is selected from after all family amount.
Fig. 4 is the implementing procedure figure of the money peace control and management method of direct point-to-point information exchange system of the present invention.Money peace control and management method of the present invention comprises step 401: make each subscriber node belong to multigroup safety grade and combine one of them, each subscriber node has node security ranked data, each group safe class combination has combination safe class data and sum total safe class data, and sum total safe class data calculates to combine based on safe class data and node security ranked data; Step 402: central management servomechanism by Internet receiving node safe class data and combination safe class data, to be transmitted by Internet and store it dispersedly in multiple data bank and calculate the sum total safe class data of each group safe class combination; Step 403: make each subscriber node change its safe class; Step 404: central management servomechanism performs a safety decision criteria and whether meets particular safety specification with checking subscriber node after variation safe class, if subscriber node meets particular safety specification after variation safe class, then retain this subscriber node among the combination of this group safe class, if subscriber node does not meet this safety standard after variation safe class, then this subscriber node is removed from the combination of this group safe class.
The above embodiments are only used for exemplifying enforcement aspect of the present invention, and explain technical characteristic of the present invention, are not used for limiting protection category of the present invention.Anyly be familiar with this operator and the arrangement of unlabored change or isotropism can all belong to the scope that the present invention advocates, the scope of the present invention should be as the criterion with claim.
Claims (10)
1. the amount control and management method of the direct financial sector in networking, it is characterized in that, it passes through contact always and realizes point information exchange system, and the money peace control and management method related to for this direct point-to-point information exchange system, this direct point-to-point information exchange system comprises a central management servomechanism, multiple data bank and multiple subscriber node (subscriber node), the plurality of data bank and the plurality of subscriber node are linked by an Internet and this central management servomechanism, and this money peace control and management method comprises following steps:
(A) make each subscriber node belong to multigroup safety grade and combine one of them, each subscriber node has node security ranked data, each group safe class combination has a combination safe class data and a sum total safe class data, and this sum total safe class data calculates based on this combination safe class data and this node security ranked data;
(B) this central management servomechanism receives these node security ranked data and this combination safe class data by this Internet, by this Internet transmit and store dispersedly its in the plurality of data bank and calculate each group safe class combination this sum total safe class data;
(C) each subscriber node is made to change its safe class; And
(D) this central management servomechanism performs a safety decision criteria to verify whether subscriber node meets a safety standard after variation safe class, if subscriber node meets this safety standard after variation safe class, then retain this subscriber node among the combination of this group safe class, if subscriber node does not meet this safety standard after variation safe class, then this subscriber node is removed from the combination of this group safe class.
2. amount control and management method as claimed in claim 1, it is characterized in that, this central management servomechanism is a treating apparatus, the plurality of subscriber node is that user's terminal operates for a member, the combination of this multigroup safety grade is selected from the combination of multiple rotating savings, these node security ranked data are selected from a credit assurance amount, and this combination safe class data is selected from one group of collection nature amount, and this sum total safe class data is selected from an after all family amount; And/or this central management servomechanism also comprises:
One servomechanism group, it comprises multiple servomechanism, and this central management servomechanism is used for this servomechanism group of Control and coordination, to form this central management servomechanism.
3. amount control and management method as claimed in claim 2, is characterized in that, comprise following steps:
(A) make this treating apparatus accept this member and add a rotating savings group collection, this rotating savings group collection comprises the combination of multiple rotating savings;
(B) this treating apparatus is made to receive this credit assurance amount of this member;
(C) make this treating apparatus accept this member and concentrate at least one rotating savings combination of participation in this rotating savings group;
(D) make this treating apparatus concentrate the Huo Hui deposit society gold paid at least one rotating savings combination of participated in this to calculate this group collection nature amount and this after all family amount according to this member in this rotating savings group, wherein this after all family amount be this group collection nature amount and this credit assurance amount sum;
(E) this treating apparatus is made to receive this member in a bid price of its one first rotating savings combination participated in;
(F) make this treating apparatus judge this member this after all family amount whether be greater than a combination capital scale of this first rotating savings combination, wherein, this combination capital scale of this first rotating savings combination be the combination of this first rotating savings one substantially can gold and this first rotating savings combine one always issue subtract the product of, this can gold be the every non-accruals grace payment amount of money of the arbitrary member of first phase during this first rotating savings combines substantially;
(G) if this after all family amount be greater than this first rotating savings combination this combination capital scale, this treating apparatus is then made to agree to this bid price of this member, and move according to an amount amount of money that Zhi Shunxu sequentially reduces this combination capital scale in this after all family amount, this amount is moved Zhi Shunxu and is:
First is preferential: this group collection nature amount,
Second is preferential: this credit assurance amount,
Namely when this group collection nature amount is not enough to deduct this combination capital scale, then this treating apparatus is by the part deducting this group collection nature amount institute deficiency in this credit assurance amount;
(H) if this after all family amount be less than this first rotating savings combination this combination capital scale, then make this treating apparatus recall this bid price; And
(I) if this treating apparatus is agreed to this bid price of this member and judged that this member must mark, then making this treating apparatus calculate this member obtainable according to this bid price must standard gold, this bid price is one of this phase must standard gold, and calculates the amount usage charges paid needed for this member according to the amount of money deducted in this credit assurance amount.
4. amount control and management method as claimed in claim 3, it is characterized in that, this group collects nature amount for this member and concentrates all this Huo Hui deposit society gold paid in the combination of participated in rotating savings to add meter one each phase mark breath sum in this rotating savings group, and wherein this each phase mark breath is somebody's turn to do mark standard gold number, a systemic presupposition number or all being somebody's turn to do of each phase to obtain the above one of mark standard gold number mean value for each phase in the combination of participated in rotating savings.
5. amount control and management method as claimed in claim 3, it is characterized in that, this credit assurance amount of this member comprises one first and ensures that amount and one second ensures amount, corresponding one first amount of this first guarantee amount uses rate, corresponding one second amount of this second guarantee amount uses rate, this second amount uses rate to be greater than this first amount and uses rate, and this amount in this step (G) is moved Zhi Shunxu and is:
First is preferential: this group collection nature amount,
Second is preferential: this first guarantee amount,
3rd is preferential: this second guarantee amount,
Namely when this group collection nature amount is not enough to deduct this combination capital scale, then this treating apparatus is by the part deducting this group collection nature amount institute deficiency in this first guarantee amount, if this group collection nature amount and this first ensure that amount is when being still not enough to deduct this combination capital scale, this treating apparatus is again by this second part ensureing deficiency more than deduction institute in amount.
6. amount control and management method as claimed in claim 5, is characterized in that, more comprise the following steps:
(I1) if this treating apparatus is agreed to this bid price of this member and judged that this member must mark, then this treating apparatus respectively according to this first ensure amount and this second ensure that the amount of money deducted in amount calculates the amount usage charges paid needed for this member and is:
(this first guarantee amount amount deducted) x (this first amount uses rate)+(this second guarantee amount amount deducted) x (this second amount uses rate).
7. amount control and management method as claimed in claim 3, it is characterized in that, in this step (I), this bid price of this member compares with a systemic presupposition value to judge whether this member must mark by this treating apparatus, if this bid price is not less than this systemic presupposition value, then this treating apparatus judges that this member must mark, if this bid price is less than this systemic presupposition value, then this treating apparatus judges that this member loses a bid.
8. amount control and management method as claimed in claim 3, wherein more comprises the following steps:
(J) if this member loses a bid, then making this treating apparatus transmission one first this member of payment information requirement pay a current work can be golden, wherein this current deposit society gold for this substantially can gold or this substantially can subtract each phase mark breath by gold, wherein this each phase mark breath this bid price that is this member, a systemic presupposition mark breath, other obtains the above one of mean value of this bid price of rotating savings person and this bid price of all rotating savings persons; And
(H) make in the combination of this treating apparatus transmission one second this rotating savings of payment information requirement and pay a refund meeting gold in previously target member interimly can have been obtained.
9. amount control and management method as claimed in claim 8, is characterized in that, be somebody's turn to do to obtain standard gold, this current deposit society gold, and this refund can be determined by following formula by gold:
A
n＝(U-I
n)×(N-n)+U×(n-1)
Wherein, A
nobtain standard gold for successful tenderer obtains target in this rotating savings the n-th phase of combining, N is total issue of this rotating savings combination, and U is that this substantially can be golden, I
nbe that this rotating savings of the n-th phase combines to obtain this bid price of rotating savings person, this current deposit society gold is U-I
n, this refund can gold be U.
10. amount control and management method as claimed in claim 8, is characterized in that, is somebody's turn to do standard gold, this current deposit society gold and this refund can be determined by following formula by gold:
Wherein, A
nobtain standard gold for successful tenderer obtains target in this rotating savings the n-th phase of combining, N is total issue of this rotating savings combination, and U is that this substantially can be golden, I
ibe that this rotating savings of the i-th phase combines to obtain this bid price of rotating savings person, this current deposit society gold is U, and this refund can gold be U+I
i.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW103102378 | 2014-01-22 | ||
| TW103102378A TW201530461A (en) | 2014-01-22 | 2014-01-22 | Internet direct financial credit control method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104794653A true CN104794653A (en) | 2015-07-22 |
Family
ID=53559437
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410286265.2A Pending CN104794653A (en) | 2014-01-22 | 2014-06-24 | Network direct financial limit control method |
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| Country | Link |
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| CN (1) | CN104794653A (en) |
| TW (1) | TW201530461A (en) |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101344947A (en) * | 2007-07-10 | 2009-01-14 | 蒋建河 | Deposit and debit separated on-line financing method and system |
| CN101447052A (en) * | 2009-01-05 | 2009-06-03 | 阿里巴巴集团控股有限公司 | Online credit loan system of deferred payment/installment and online credit loan method |
| CN101556671A (en) * | 2008-04-07 | 2009-10-14 | 永丰商业银行股份有限公司 | On-line financing management method |
| CN102024240A (en) * | 2009-09-23 | 2011-04-20 | 乔美国际网络股份有限公司 | System and method for network rotating savings and credit association (RSCA) |
-
2014
- 2014-01-22 TW TW103102378A patent/TW201530461A/en unknown
- 2014-06-24 CN CN201410286265.2A patent/CN104794653A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101344947A (en) * | 2007-07-10 | 2009-01-14 | 蒋建河 | Deposit and debit separated on-line financing method and system |
| CN101556671A (en) * | 2008-04-07 | 2009-10-14 | 永丰商业银行股份有限公司 | On-line financing management method |
| CN101447052A (en) * | 2009-01-05 | 2009-06-03 | 阿里巴巴集团控股有限公司 | Online credit loan system of deferred payment/installment and online credit loan method |
| CN102024240A (en) * | 2009-09-23 | 2011-04-20 | 乔美国际网络股份有限公司 | System and method for network rotating savings and credit association (RSCA) |
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| Publication number | Publication date |
|---|---|
| TW201530461A (en) | 2015-08-01 |
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