CN104867053A - Loan repaying processing method and system - Google Patents
Loan repaying processing method and system Download PDFInfo
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- CN104867053A CN104867053A CN201510284302.0A CN201510284302A CN104867053A CN 104867053 A CN104867053 A CN 104867053A CN 201510284302 A CN201510284302 A CN 201510284302A CN 104867053 A CN104867053 A CN 104867053A
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Abstract
The invention discloses a loan repaying processing method and system, and belongs to the field of financial technology. The method comprises the steps that after repayment is not received when the preset repaying period is exceeded, a first party is urged to repay the loan; after partial payment of the first party within the preset payment requesting period is received, partial blocked funds corresponding to a bank credit certificate are thawed according to the repaid funds; and after notification that a second party pays off the remaining payment instead of the first party is received, surplus blocked funds of the bank credit certificate are transferred to a fund management account. With application of the method, the bank credit certificate is introduced to guarantee lending transactions, and a flexible mode that the second party repays the partial payment instead of the first party is also provided so that possibility of successful load repaying can be enhanced, and thus the risk of the loan funds can be reduced and the lending transactions are enabled to be safer.
Description
Technical field
The present invention relates to financial technology field, particularly relate to a kind of repaying disposal route and system.
Background technology
Traditional debt-credit generally refers to a kind of mode of fund being lent and collecting fixed income to debtor, mainly comprises bank debit and credit and personalized lending.Clearing demand is initiated by loaning bill side, when creditor has a mind and lends debit, both sides reach debt-credit transaction by oral or written agreement, if loaning bill side presses agreed period and refunds, creditor receives loan principal and interest, if loaning bill side refunds not according to agreed period, its time limit indefinite extension of recovering.The advantage of tradition debt-credit mode is fixing income, but due to shortage of capital guarantee and oversight mechanism, especially in personalized lending activity, indefinite duration payback period extends, or the event that direct loan people is difficult to recover loan is of common occurrence, cause debt-credit promise breaking to spread unchecked, loan fund can not get ensureing.
As can be seen here, present stage needs a kind of repaying disposal route of improvement, to improve the penalty cost of loaning bill side and to reduce loan fund risk, makes debt-credit transaction safer.
Summary of the invention
In view of this, the technical problem to be solved in the present invention is to provide a kind of repaying disposal route and system, to improve the penalty cost of the first participant and to reduce loan fund risk.
It is as follows that the present invention solves the problems of the technologies described above adopted technical scheme:
According to an aspect of the present invention, the one repaying disposal route provided, be applied to capital management server, the method comprises the following steps:
When exceeding after default repayment period do not receive refund, to the first participant recall loan;
Receive the first participant after the partial payment of urging in the money time limit preset, to thaw part blocked funds corresponding to silver letter card according to the refund amount of money;
Receive the second participant replace the first participant pay off residue refund notice after, transfer silver letter card residue blocked funds to capital management account;
Wherein, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of capital management server and by capital management server by the second participant.
According to an aspect of the present invention, the one repaying disposal system provided, be applied to capital management server, this system comprises with lower module:
Urge money module, for when exceeding after default repayment period do not receive refund, to the first participant recall loan;
First refund processing module, for receiving the first participant after the partial payment of urging in the money time limit preset, to thaw part blocked funds corresponding to silver letter card according to the refund amount of money;
Second refund processing module, for receive the second participant replace the first participant pay off residue refund notice after, transfer silver letter card residue blocked funds to capital management account.
Wherein, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of capital management server and by capital management server by the second participant.
Repaying disposal route provided by the invention and system, carrying out guarantee debt-credit transaction by introducing silver letter card, providing the second participant to replace the flexi mode of the first participant partial payment simultaneously, successful possibility of repaying can be improved, thus reduce loan fund risk, make debt-credit transaction safer.
Accompanying drawing explanation
The process flow diagram of a kind of disposal route of repaying that Fig. 1 provides for the embodiment of the present invention.
The process flow diagram of the another kind repaying disposal route that Fig. 2 provides for the embodiment of the present invention.
The function structure chart of a kind of disposal system of repaying that Fig. 3 provides for the embodiment of the present invention.
The function structure chart of the another kind repaying disposal system that Fig. 4 provides for the embodiment of the present invention.
Embodiment
In order to make technical matters to be solved by this invention, technical scheme and beneficial effect clearly, understand, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
In the present invention, the first participant is loaning bill side.Second participant refers to that first participant that has a mind initiates the individual or entity of loan purpose, but serves guarantee effect in reality debt-credit transaction.Institutions managing funds refers to the financial institution that can support Capital Flow and transaction, plays the effect of lender in debt-credit transaction.Wherein, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of capital management server and by capital management server by the second participant.Silver letter card is that institutions managing funds promises to undertake the electronic credit voucher handling receipt and payment clearing according to solution condition of paying.Silver letter card is a kind of internet basis for innovation financial instrument with institutions managing funds credit acceptance and guarantee, mainly for the product of buyer, cashier access interface is downloaded by seller, complete the opening L/C of silver letter card by buyer, seller completes to receive and demonstrate,prove and honour an agreement, submit to separate and pay, last silver letter card expires and automatically to separate pair.Silver letter card not only can use commodity purchasing, also can be used for mortgage.Institutions managing funds refers to the mechanism that can support Capital Flow, includes but not limited to bank and other financial institutions (as security organization).Correspondingly, capital management server comprises bank server or other financial institution servers; Capital management account comprises bank loan account or other financial institution loan accounts; Capital management credit investigation system comprises the People's Bank's credit investigation system or other financial institution's credit investigation systems.In the present invention, silver letter card is opened to the application of capital management server by the second participant, in this, as the guarantee of providing a loan to other people, what capital management server received that the second participant application opens have with the silver of amount of the loan single-candidate believe and demonstrate,prove after, freeze the corresponding amount of money in the second participant account, and offer loans to the first participant as condition.It should be noted that, although the silver letter card that the second participant is opened is frozen, fund is still in the second participant account, and just fund is in not available state, but does not also affect collecting of the second participant current interest between freezing period.Such as, second participant account fund remaining sum is 300,000, to capital management server opened 200,000 silver letter card and frozen, but capital management server still calculates current interest by the balance of funding of 300,000, or capital management server calculates the second participant current interest by the balance of funding of 100,000, and calculate separately the fund current interest between silver letter card freezing period.
Embodiment one
As shown in Figure 1, the one repaying disposal route that the embodiment of the present invention provides, be applied to capital management server, the method comprises the following steps:
S101, when exceeding after default repayment period do not receive refund, to the first participant recall loan.
Particularly, bank can manually urge the first participant also to remain loan, also can by bank server omnibearing recall residue loan, recall is carried out in combination as by one or more modes following: dialing notifies the telephone number that the first participant is preset or mobile phone, mail notification is sent to the E-mail address that the first participant is preset, to the software program client push information of the first participant registration, the mobile number preset to the first participant sends SMS notification, the QQ number preset to the first participant sends QQ message, or send message to the micro-signal code that the first participant is preset.
S102, receive the first participant after the partial payment of urging in the money time limit preset, to thaw part blocked funds corresponding to silver letter card according to the refund amount of money.
Particularly, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of capital management server and by capital management server by the second participant.First participant to be urged in the money time limit after partial payment what preset, capital management server thaws part blocked funds corresponding to silver letter card, meanwhile, the part blocked funds of thawing and corresponding current interest automatically become in the second participant account can utilization state.
As a kind of preferred version, in order to maximize the interests of institutions managing funds, the refund amount of money received comprises whole loan interest and part loan principal.That is, the blocked funds needing to thaw is only first cut whole loan interests of loan fund from redrawing funds after.Thus first loan interest is taken in partial payment, follow-up also favourable to bank when calculating residue refund extension overdue fine.
S103, receive the second participant replace the first participant pay off residue refund notice after, transfer silver letter card residue blocked funds to capital management account.
Particularly, in some cases, first participant and the second participant can be reached an agreement under line, the first participant partial payment is replaced in default urging in the money time limit by the second participant, there is provided the short-term capital pressure that mode of repayment more flexibly alleviates the first participant, the first participant is refunded to the second participant under line again.Such as in the situation that residue refund is little, the second participant also may be ready that bearing residue refund has carried out the credit level that loan transaction improves oneself.
The repaying disposal route that the invention process provides, guarantee debt-credit transaction is carried out by introducing silver letter card, the penalty cost of the first participant can be increased, there is provided the second participant to replace the flexi mode of the first participant partial payment simultaneously, successful possibility of repaying can be improved, thus reduce loan fund risk, make debt-credit transaction safer.
Embodiment two
As shown in Figure 2, the one repaying disposal route that the embodiment of the present invention provides take institutions managing funds as bank, and capital management server is bank server is that example is described, and the method comprises the following steps:
S201, when exceeding after default repayment period do not receive refund, to the first participant recall loan.
S202, receive the first participant after the partial payment of urging in the money time limit preset, perform step S203, otherwise perform step S205.
S203, the part blocked funds that the silver letter card that to thaw according to the refund amount of money is corresponding.
S204, judge whether to receive the second participant replace the first participant to pay off notice that residue refunds, if so, perform step S205, otherwise perform step S208.
The residue blocked funds of S205, silver letter card correspondence of transferring is to bank loan account.
S206, by the rule preset in the second participant account and capital management account floated loan interest and urge overdue fine in the money time limit.
Particularly, due to silver letter card, the current interest during freezing of funds automatically to calculate in the second participant account when thawing the blocked funds of silver letter card and becomes upstate.Loan interest is transferred accounts while then being refunded by the first participant capital management account.Certainly, the second participant and institutions managing funds also can arrange way of benefit distribution of providing a loan completely separately, reallocate according to the mode of agreement.In order to improve the penalty cost of the first participant further, the overdue fine that the first participant delays to refund can be collected.
S207, replace repaying recording synchronism to bank reference system the second participant, improve the credit level of the second participant.
The residue blocked funds of S208, silver letter card correspondence of transferring is to bank loan account.
S209, by the promise breaking recording synchronism of the first participant to bank reference system, reduce the credit level of the first participant.
S210, process ends.
Specifically, if the first participant is not refunded according to appointment, then silver letter card can keep frozen state in a fixed term (urging the money time limit), and to the first participant recall, if the first participant completes the refund of surplus capital in the money time limit urging, still thaw silver letter card, and the second participant and bank are by agreement floated loan interest and overdue fine.If the first participant is not refunded urging in the money time limit, bank loan account of then the residue blocked funds of silver letter card being transferred to ensures the interests of bank, the loss chasing after and do not return loan is born by the second participant, simultaneously by the promise breaking recording synchronism of the first participant to capital management credit investigation system, by giving the first participant typing credit stain, make that the first participant is follow-up cannot use the accrediting amount, improve the penalty cost of the first participant.
In the embodiment of the present invention, on the basis of above-described embodiment one, urge overdue fine in the money time limit by increasing, and after the first participant promise breaking, reduce credit level make it follow-uply cannot use the accrediting amount, thus improve the penalty cost of the first participant further.By being replaced by the second participant the refund recording synchronism of the first participant to bank reference system, improve the credit level of the second participant, encourage the second participant initiatively to replace the first participant to repay, improve successful possibility of repaying further, reduce loan fund risk.In addition, when the first participant promise breaking, the residue blocked funds solution that silver letter card of transferring is corresponding pays bank loan account, is born the loss chasing after and do not return loan, thus ensures the interests of bank, make loan transaction safer by the second participant.
Embodiment three
As shown in Figure 3, the one repaying disposal system that the embodiment of the present invention provides, is applied to capital management server, and this system comprises urges money module 10, first refund processing module 20, second refund processing module 30.
Urge money module 10, for when exceeding after default repayment period do not receive refund, to the first participant recall loan.
Particularly, urge money module 10 can specifically for being undertaken urging money by any one or a few combination following: dialing notifies the telephone number that the first participant is preset or mobile phone, sends mail notification to the E-mail address that the first participant is preset, send SMS notification to the software program client push information of the first participant registration, the mobile number preset to the first participant, the QQ number preset to the first participant sends QQ message or sends message to the micro-signal that the first participant is preset.Certainly, money module 10 is urged can to carry out under artificial online.
First refund processing module 20, for receiving the first participant after the partial payment of urging in the money time limit preset, the part blocked funds of silver letter card correspondence of thawing according to the refund amount of money, wherein, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of capital management server and by capital management server by the second participant.
Particularly, first participant to be urged in the money time limit after partial payment what preset, capital management server thaws part blocked funds corresponding to silver letter card, and meanwhile, the part blocked funds of thawing and corresponding current interest automatically become in the second participant account can utilization state.
As a kind of preferred version, in order to maximize the interests of institutions managing funds, the refund amount of money received comprises whole loan interest and part loan principal.That is, refund capital is only first cut whole loan interests of loan fund from redrawing funds after.Thus first loan interest is taken in partial payment, also favourable to institutions managing funds when calculating residue refund extension overdue fine like this.
Second refund processing module 30, for receive the second participant replace the first participant pay off residue refund notice after, transfer silver letter card residue blocked funds to capital management account.
Particularly, in some cases, first participant and the second participant can be reached an agreement under line, the first participant partial payment is replaced in default urging in the money time limit by the second participant, there is provided the short-term capital pressure that mode of repayment more flexibly alleviates the first participant, the first participant is refunded to the second participant under line again.Such as in the situation that residue refund is little, the second participant also may be ready that bearing residue refund has carried out the credit level that loan transaction improves oneself.
As a kind of preferred version, in order to improve the penalty cost of the first participant further, the overdue fine of urging in the money time limit can be increased.Second refund processing module 20 also for: after receiving the second participant replace the first participant to pay off notice that residue refunds, by the rule preset in the second participant account and capital management account floated loan interest and urge overdue fine in the money time limit.
Particularly, due to silver letter card, the current interest during freezing of funds automatically to calculate in the second participant account when thawing the blocked funds of silver letter card and becomes upstate.Loan interest is transferred accounts while then being refunded by the first participant capital management account.Certainly, the second participant and institutions managing funds also can arrange way of benefit distribution of providing a loan completely separately, reallocate according to the mode of agreement.In order to improve the penalty cost of the first participant further, the overdue fine that the first participant delays to refund can be collected.
As another kind of preferred version, in order to encourage the initiatively generation first participant repaying of the second participant, the credit level of the second participant can also be improved.Second refund processing module also for: receive the second participant replace the first participant pay off residue refund notice after, by second participant generation borrow the first participant repaying recording synchronism to capital management credit investigation system, improve the credit level of the second participant.
Refer to Fig. 4, in certain embodiments, this system also comprises:
Treatment for Default module 40, if for exceed default urge the money time limit after do not receive and pay off residue and refund, the residue blocked funds that silver letter of transferring is demonstrate,proved, to capital management account, by the promise breaking recording synchronism of the first participant to capital management credit investigation system, and reduces the credit level of the first participant.
Particularly, if the first participant is not refunded urging in the money time limit on time, bank loan account of then the residue blocked funds of silver letter card being transferred to ensures the interests of bank, the loss chasing after and do not return loan is born by the second participant, simultaneously by the promise breaking recording synchronism of the first participant to capital management credit investigation system, by giving the first participant typing credit stain, make that the first participant is follow-up cannot use the accrediting amount, improve the penalty cost of the first participant, thus reduce the promise breaking possibility of the first participant.
It should be noted that, the technical characteristic in said method embodiment one and embodiment two is suitable for native system is all corresponding, no longer repeats here.
The present invention carries out guarantee debt-credit transaction by introducing silver letter card, the penalty cost of the first participant can be increased, provide the second participant to replace the flexi mode of the first participant partial payment simultaneously, successful possibility of repaying can be improved, thus reduce loan fund risk, make debt-credit transaction safer.In addition, urge overdue fine in the money time limit by increasing, and after the first participant promise breaking, reduce credit level make it follow-uply cannot use the accrediting amount, thus improve the penalty cost of the first participant further.By being replaced by the second participant the refund recording synchronism of the first participant to institutions managing funds credit investigation system, improve the credit level of the second participant, encourage the initiatively generation first participant repaying of the second participant, improve successful possibility of repaying further, reduce the risk of loan fund.And when the first participant promise breaking, the residue blocked funds solution that silver letter card of transferring is corresponding pays capital management account, is born the loss chasing after and do not return loan, thus ensures the interests of institutions managing funds, make loan transaction safer by the second participant.
One of ordinary skill in the art will appreciate that all or part of step realized in above-described embodiment method is that the hardware that can control to be correlated with by program completes, described program can be stored in a computer read/write memory medium, described storage medium, as ROM/RAM, disk, CD etc.
Above with reference to the accompanying drawings of the preferred embodiments of the present invention, not thereby limit to interest field of the present invention.Those skilled in the art do not depart from the scope and spirit of the present invention interior done any amendment, equivalent replacement and improve, all should within interest field of the present invention.
Claims (10)
1. a repaying disposal route, be applied to capital management server, it is characterized in that, the method comprises the following steps:
When exceeding after default repayment period do not receive refund, to the first participant recall loan;
Receive the first participant after the partial payment of urging in the money time limit preset, to thaw part blocked funds corresponding to silver letter card according to the refund amount of money;
Receive the second participant replace the first participant pay off residue refund notice after, transfer described silver letter card residue blocked funds to capital management account;
Wherein, described silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of described capital management server and by described capital management server by the second participant.
2. repaying disposal route according to claim 1, it is characterized in that, described loan to the first participant recall residue comprises further: dialing notifies the telephone number that described first participant is preset or mobile phone, mail notification is sent to the E-mail address that described first participant is preset, the mobile number preset to described first participant sends SMS notification, to the software program client push information of described first participant registration, the QQ number preset to described first participant sends QQ message, and/or send message to the micro-signal code that described first participant is preset.
3. repaying disposal route according to claim 1, is characterized in that, described method also comprises:
Receive the second participant replace the first participant pay off residue refund notice after, will described second participant generation by means of the first participant repaying recording synchronism to capital management credit investigation system, improve the credit level of described second participant.
4. repaying disposal route according to claim 1, is characterized in that, also comprises after described method:
After receiving the second participant replace the first participant to pay off notice that residue refunds, by the rule preset at described second participant account and described capital management account floated loan interest and overdue fine.
5. repaying disposal route according to claim 1, it is characterized in that, the method also comprises:
If exceed default urge the money time limit after do not receive and pay off residue and refund, the residue blocked funds that silver letter of transferring is demonstrate,proved is to capital management account, by described by the promise breaking recording synchronism of the first participant to capital management credit investigation system, and reduce the credit level of the first participant.
6. the repaying disposal route according to claim 1-5 any one claim, it is characterized in that, described capital management server comprises bank server or other financial institution servers, correspondingly, described capital management account comprises bank loan account or other financial institution loan accounts.
7. a repaying disposal system, is applied to capital management server, it is characterized in that, this system comprises with lower module:
Urge money module, for when exceeding after default repayment period do not receive refund, to the first participant recall loan;
First refund processing module, for receiving the first participant after the partial payment of urging in the money time limit preset, to thaw part blocked funds corresponding to silver letter card according to the refund amount of money;
Second refund processing module, for receive the second participant replace the first participant pay off residue refund notice after, transfer silver letter card residue blocked funds to capital management account.
Wherein, described silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of described capital management server and by described capital management server by the second participant.
8. repaying disposal system according to claim 7, is characterized in that, described second refund processing module also for:
Receive the second participant replace the first participant pay off residue refund notice after, will described second participant generation by means of the first participant repaying recording synchronism to capital management credit investigation system, improve the credit level of described second participant.
9. repaying disposal system according to claim 7, is characterized in that, described second refund processing module also for:
After receiving the second participant replace the first participant to pay off notice that residue refunds, by the rule preset at described second participant account and described capital management account floated loan interest and overdue fine.
10. the repaying disposal system according to claim 7-9 any one claim, is characterized in that, this system also comprises:
Treatment for Default module, if for exceed default urge the money time limit after do not receive and pay off residue and refund, the residue blocked funds that silver letter of transferring is demonstrate,proved, to capital management account, by the promise breaking recording synchronism of described first participant to capital management credit investigation system, and reduces the credit level of the first participant.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510284302.0A CN104867053A (en) | 2015-05-29 | 2015-05-29 | Loan repaying processing method and system |
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| CN201510284302.0A CN104867053A (en) | 2015-05-29 | 2015-05-29 | Loan repaying processing method and system |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016191920A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Repayment processing method and system |
| WO2016191971A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Repayment processing method and system |
| WO2019091024A1 (en) * | 2017-11-13 | 2019-05-16 | 平安科技（深圳）有限公司 | Telephone collection method and apparatus, electronic device and medium |
-
2015
- 2015-05-29 CN CN201510284302.0A patent/CN104867053A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016191920A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Repayment processing method and system |
| WO2016191971A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Repayment processing method and system |
| WO2019091024A1 (en) * | 2017-11-13 | 2019-05-16 | 平安科技（深圳）有限公司 | Telephone collection method and apparatus, electronic device and medium |
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Application publication date: 20150826 |