CN104899781A - Loan repayment processing method and system - Google Patents
Loan repayment processing method and system Download PDFInfo
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- CN104899781A CN104899781A CN201510287178.3A CN201510287178A CN104899781A CN 104899781 A CN104899781 A CN 104899781A CN 201510287178 A CN201510287178 A CN 201510287178A CN 104899781 A CN104899781 A CN 104899781A
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Abstract
The present invention discloses a loan repayment processing method and system, and belongs to the technical field of finance. The method comprises the steps that: when the rest repayment is not received after the preset repayment period, a first participant is asked whether to be willing to accept installment repayment; if the first participant is willing to accept installment repayment, an installment repayment process is started; otherwise, if the rest repayment is not received after the preset payment reminding period, frozen funds corresponding to a bank credit are transferred to a fund management account. With the adoption of the method, the debit and credit transaction is guaranteed by introducing the bank credit; a flexible way of installment repayment is added at the same time; the default cost of the first participant can be increased; and the short-term fund pressure of the first participant can be reduced; so that the success possibility of loan repayment is increased and the loan fund risk is lowered.
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, lender 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.
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:
Not receiving after residue refunds when exceeding default repayment period, whether being ready installment reimbursement to the first participant inquiry;
If the feedback of the first participant is ready then to start installment reimbursement flow process by installment reimbursement;
If the feedback of the first participant is installment reimbursement of being unwilling, if then exceed default urge the money time limit after do not receive residue and refund, silver letter of transferring demonstrate,proves corresponding blocked funds to capital management account, by the promise breaking recording synchronism of the first participant to capital management credit investigation system;
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 another aspect of the present invention, provide a kind of repaying disposal system, be applied to capital management server, this system comprises with lower module:
Whether consultation module, for not receiving after residue refunds when exceeding default repayment period, be ready installment reimbursement to the first participant inquiry;
Refund processing module, if be ready then to start installment reimbursement flow process by installment reimbursement for the feedback of the first participant;
Treatment for Default module, if the feedback for the first participant is installment reimbursement of being unwilling, if then exceed default urge the money time limit after do not receive residue and refund, blocked funds corresponding to silver letter card of transferring to capital management account, by the promise breaking recording synchronism of the first participant to capital management credit investigation system;
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, debt-credit transaction is carried out by introducing the guarantee of silver letter card, midway increases mode of by stages repaying simultaneously, when the first participant is unable all repay the loan, allow the first participant installment reimbursement, the short-term capital pressure of the first participant can be alleviated, improve successful possibility of repaying, thus reduce loan fund risk.And in the situation that the first participant is broken a contract, the blocked funds of silver letter card correspondence of transferring, to capital management account, is born the loss chasing after and do not return loan by the second participant, thus the interests of guarantee institutions managing funds, 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, not receiving after residue refunds when exceeding default repayment period, whether being ready installment reimbursement to the first participant inquiry.
Particularly, can automatically be seeked the opinion of by fund server and collect consulting result.Such as, inquired 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.Whether be ready that installment reimbursement can manually carry out to the first participant inquiry, result typing capital management server will be inquired.
If the feedback of S102 first participant is ready then to perform step S103 by installment reimbursement, otherwise perform step S104.
S103, startup installment reimbursement flow process, terminate this flow process.
Particularly, installment reimbursement flow process can adopt existing refund flow process, and after starting installment reimbursement flow process, this repaying flow process terminates, but needs the service charge increasing installment reimbursement.
If S104 exceed default urge the money time limit after do not receive residue and refund, blocked funds corresponding to silver letter card of transferring is to capital management account.
Particularly, if the first participant is not refunded according to appointment, then silver letter card can keep frozen state urging in the money time limit, and seeks advice from whether installment reimbursement to the first participant.If the first participant is ready to enter monthly payment plan installment reimbursement flow process, terminate this flow process.The monthly payment plan if the first participant is unwilling and loan (namely break a contract) of not paying off according to appointment, then the interests of the bank loan account guarantee bank that the residue blocked funds of silver letter card transferred to, are born the loss chasing after and do not return loan by the second participant.
The repaying disposal route that the embodiment of the present invention provides, debt-credit transaction is carried out by introducing the guarantee of silver letter card, midway increases mode of by stages repaying simultaneously, when the first participant is unable all repay the loan, allow the first participant installment reimbursement, the short-term capital pressure of the first participant can be alleviated, improve successful possibility of repaying, thus reduce loan fund risk.And in the situation that the first participant is broken a contract, the blocked funds of silver letter card correspondence of transferring, to capital management account, is born the loss chasing after and do not return loan by the second participant, thus the interests of guarantee institutions managing funds, 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, receive the partial payment of the first participant in default repayment period after, to thaw part blocked funds corresponding to silver letter card according to the refund amount of money.
Particularly, the first participant is within the agreement length of maturity after partial payment, and bank server thaws part blocked funds corresponding to silver letter card.Meanwhile, the part fund of thawing and corresponding current interest become automatically in the second participant account can utilization state, and the silver letter card surplus capital of not thawing still keeps frozen state.
S202, not receiving after residue refunds when exceeding default repayment period, whether being ready installment reimbursement to the first participant inquiry.
Particularly, whether be ready that installment reimbursement can manually carry out to the first participant inquiry, result typing bank server will be inquired, also can automatically be seeked the opinion of by bank server and collect consulting result.
If the feedback of S203 first participant is ready then to perform step S204 by installment reimbursement, otherwise perform step S205.
S204, startup installment reimbursement flow process, go to step S211.
S205, preset urge in the money time limit, to 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.
If S206 receives the partial payment of the first participant, the part blocked funds that the silver letter card that thaws is corresponding.
In order to maximize the interests of institutions managing funds, the partial payment amount of money received comprises whole loan interest and part loan principal.That is, refund capital (fund of namely thawing) 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 institutions managing funds when calculating residue refund extension overdue fine.
If the residue that S207 receives the first participant is refunded, then perform step S208, otherwise perform step S210.
S208, the residue blocked funds that the silver letter card that thaws is corresponding.
Particularly, bank server thaws blocked funds corresponding to silver letter card, and whole fund of thawing and corresponding current interest become automatically in the second participant account can utilization state.
S209, by the rule preset in the second participant account and bank account floated loan interest and urge overdue fine in the money time limit, go to step S212.
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.When refunding when delaying, the overdue fine of extension fund can also be collected, to improve the penalty cost of the first participant further.
The blocked funds of S210, silver letter card correspondence of transferring is to bank account.
S211, by the promise breaking recording synchronism of the first participant to bank reference system, reduce the credit level of the first participant.
Particularly, this step is passed through the promise breaking recording synchronism of the first participant to bank reference system, draw in credit blacklist can to the upper credit stain of the first participant note, make that the first participant is follow-up cannot use the accrediting amount, thus improve the penalty cost of the first participant further.
S212, process ends.
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.
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 consultation module 10, refund processing module 20 and Treatment for Default module 30.
Whether consultation module 10, for not receiving after residue refunds when exceeding default repayment period, be ready installment reimbursement to the first participant inquiry.
Particularly, can automatically be seeked the opinion of by fund server and collect consulting result.Such as, inquired 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.Whether be ready that installment reimbursement can manually carry out to the first participant inquiry, result typing capital management server will be inquired.
Refund processing module 20, if be ready then to start installment reimbursement flow process by installment reimbursement for the feedback of the first participant.
Particularly, installment reimbursement flow process can adopt existing refund flow process, and after starting installment reimbursement flow process, this repaying flow process terminates, but needs the service charge increasing installment reimbursement.
Treatment for Default module 30, if the feedback for the first participant is installment reimbursement of being unwilling, if then exceed default urge the money time limit after do not receive residue and refund, the blocked funds of silver letter card correspondence of transferring is to capital management account, by the promise breaking recording synchronism of the first participant to capital management credit investigation system, wherein, silver letter card is opened as guaranty money to capital management server using its account fund or the accrediting amount by the second participant.
As a kind of preferred embodiment, in order to ensure the first participant in repayment period after partial payment, silver letter card can thaw, refund processing module 20 also for: after receiving the partial payment of the first participant within the payback period of presetting, to thaw part blocked funds corresponding to silver letter card according to the refund amount of money.
As another kind of preferred embodiment, in order to ensure the first participant urging in the money time limit after partial payment, silver letter card still can thaw.Refund processing module also arranges 20: receive the first participant after the partial payment of urging in the money time limit preset, to thaw blocked funds corresponding to silver letter card according to the refund amount of money, and by the rule preset in the second participant account and capital management account floated loan interest with 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.When refunding when delaying, the overdue fine of extension fund can also be collected, to improve the penalty cost of the first participant further.
As another preferred embodiment, in order to improve the penalty cost of the first participant further, Treatment for Default module 30 also for: default urge the money time limit not receive residue refunding, reduce the credit level of the first participant if exceeded.
As shown in Figure 4, in certain embodiments, this system also comprises urges money module 40, for urging in the money time limit what preset, to the first participant recall loan.
Particularly, urge money module 40 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 40 is urged can to omit by carrying out under artificial online.
The embodiment of the present invention carries out debt-credit transaction by introducing the guarantee of silver letter card, the penalty cost of the first participant can be increased, midway increases the flexi mode of the installment reimbursement of the first participant simultaneously, the short-term capital pressure of the first participant can be alleviated, improve successful possibility of repaying, thus reduce loan fund risk.When the first participant promise breaking, the blocked funds of silver letter card correspondence of transferring, to capital management account, is born the loss chasing after and do not return loan, thus is ensured the interests of institutions managing funds, make loan transaction safer by the second participant.In addition, by increasing the overdue fine of urging in the money time limit, and reducing credit level thus the further penalty cost improving the first participant after the first participant promise breaking, improving successful possibility of repaying.
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.
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:
Not receiving after residue refunds when exceeding default repayment period, whether being ready installment reimbursement to the first participant inquiry;
If the feedback of the first participant is ready then to start installment reimbursement flow process by installment reimbursement;
If the feedback of the first participant is installment reimbursement of being unwilling, if then exceed default urge the money time limit after do not receive residue and refund, residue blocked funds corresponding to silver letter card of transferring to capital management account, by described by the promise breaking recording synchronism of the first participant to capital management credit investigation system;
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, is characterized in that, also comprise before the method:
If receive the partial payment of the first participant in default repayment period, the part blocked funds of silver letter card correspondence of thawing according to the refund amount of money.
3. repaying disposal route according to claim 1, it is characterized in that, the method also comprises:
If urge what preset the partial payment receiving the first participant in the money time limit, the part blocked funds of silver letter card correspondence of thawing according to the refund amount of money.
4. repaying disposal route according to claim 1, it is characterized in that, the method also comprises:
Refund if receive residue urging in the money time limit of presetting, the blocked funds that the silver letter card that thaws is corresponding, and by the rule preset at the second participant account and capital management account floated loan interest and overdue fine.
5. repaying disposal route according to claim 1, is characterized in that, also comprises after described startup installment reimbursement flow process: the service charge increasing installment reimbursement.
6. the repaying disposal route according to claim 1-5 any one claim, wherein, described capital management server comprises bank server or other financial institution servers, and 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:
Whether consultation module, for not receiving after residue refunds when exceeding default repayment period, be ready installment reimbursement to the first participant inquiry;
Refund processing module, if be ready then to start installment reimbursement flow process by installment reimbursement for the feedback of the first participant;
Treatment for Default module, if the feedback for the first participant is installment reimbursement of being unwilling, if then exceed default urge the money time limit after do not receive residue and refund, blocked funds corresponding to silver letter card of transferring to capital management account, by described by the promise breaking recording synchronism of the first participant to capital management credit investigation system;
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 6, is characterized in that, refund processing module also for:
If receive the partial payment of the first participant in default repayment period, the part blocked funds of silver letter card correspondence of thawing according to the refund amount of money.
9. repaying disposal system according to claim 6, is characterized in that, refund processing module also for:
If urge what preset the partial payment receiving the first participant in the money time limit, the part blocked funds of silver letter card correspondence of thawing according to the refund amount of money.
10. repaying disposal system according to claim 6, is characterized in that, refund processing module also for:
Refund if receive residue urging in the money time limit of presetting, the blocked funds that the silver letter card that thaws is corresponding, and by the rule preset at the second participant account and capital management account floated loan interest and overdue fine.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510287178.3A CN104899781A (en) | 2015-05-29 | 2015-05-29 | Loan repayment processing method and system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510287178.3A CN104899781A (en) | 2015-05-29 | 2015-05-29 | Loan repayment processing method and system |
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| CN104899781A true CN104899781A (en) | 2015-09-09 |
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| CN201510287178.3A Pending CN104899781A (en) | 2015-05-29 | 2015-05-29 | Loan repayment processing method and system |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016191982A1 (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 |
| WO2016191970A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method and lending system |
| CN108256996A (en) * | 2018-02-13 | 2018-07-06 | 平安科技（深圳）有限公司 | For the single method and system of two partition in credit repaying business |
| CN109034783A (en) * | 2018-07-04 | 2018-12-18 | 广州唯品会信息科技有限公司 | Bill refund calculation method, device and computer readable storage medium |
| CN112508680A (en) * | 2020-11-30 | 2021-03-16 | 深圳市飞泉云数据服务有限公司 | Method, device, system and computer readable storage medium for fund configuration |
-
2015
- 2015-05-29 CN CN201510287178.3A patent/CN104899781A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016191982A1 (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 |
| WO2016191970A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method and lending system |
| CN108256996A (en) * | 2018-02-13 | 2018-07-06 | 平安科技（深圳）有限公司 | For the single method and system of two partition in credit repaying business |
| CN108256996B (en) * | 2018-02-13 | 2021-12-24 | 平安科技（深圳）有限公司 | Two-part form splitting method and system for credit repayment service |
| CN109034783A (en) * | 2018-07-04 | 2018-12-18 | 广州唯品会信息科技有限公司 | Bill refund calculation method, device and computer readable storage medium |
| CN112508680A (en) * | 2020-11-30 | 2021-03-16 | 深圳市飞泉云数据服务有限公司 | Method, device, system and computer readable storage medium for fund configuration |
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