CN104915883A - Borrowing and lending method and borrowing and lending system - Google Patents
Borrowing and lending method and borrowing and lending system Download PDFInfo
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- CN104915883A CN104915883A CN201510287594.3A CN201510287594A CN104915883A CN 104915883 A CN104915883 A CN 104915883A CN 201510287594 A CN201510287594 A CN 201510287594A CN 104915883 A CN104915883 A CN 104915883A
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Abstract
The invention discloses a borrowing and lending method and a borrowing and lending system. The method comprises the steps that a fund management server issues corresponding amount of loan to a first party according to a bank credit certificate opened through application of a second party, and funds corresponding to the bank credit certificate are blocked; the fund management server thaws partial funds corresponding to the bank credit certificate according to partial loan repaid by the first party within the agreed repayment period; when the fund management server still does not receive remaining loan after the repayment period is exceeded, repayment requesting is performed on the first party; and the fund management server thaws the remaining funds corresponding to the bank credit certificate according to the remaining loan repaid by the first party within the repayment requesting period, and interest on deposit is still required to be counted and paid on the funds corresponding to the bank credit certificate within the blocking period by the fund management server. Therefore, the default risk is reduced, the interests of creditors are safeguarded, fund security of a fund management mechanism is enhanced and a loan repayment mode is enabled to be more flexible and humanized.
Description
Technical field
The present invention relates to electronic information technical field, especially relate to a kind of debt-credit method and balance system.
Background technology
Traditional debt-credit mainly comprises institutions managing funds debt-credit and personalized lending, is that fund is lent to debtor by obligee by one, the mode of doing business that debtor is repaid capital with interest in agreed period.Although traditional debt-credit method can be the income of obligee with fixing, but also there is debtor extend the payback period in indefinite duration and be difficult to recover the default risk of loan simultaneously, this default risk is especially obvious in personalized lending activity, because in personalized lending during default of debtor, its credit rating can not be affected; Meanwhile, fund is lent to during debtor from obligee, and fund no longer returns obligee to own, and obligee cannot enjoy interest on deposit income during this period.Visible, existing debt-credit method, particularly personalized lending, default risk is higher, and creditor's equity is difficult to ensure.
Summary of the invention
Fundamental purpose of the present invention is to provide a kind of debt-credit method and balance system, is intended to the default risk reducing debt-credit transaction, assert a claim people interests.
To achieve these objectives, the present invention proposes a kind of debt-credit method, comprises the following steps:
Capital management server provides the loan of corresponding amount to the first participant according to the silver letter card opened through the second participant application, and freeze fund corresponding to described silver letter card;
The part loan that capital management server is repaid in the repayment period of agreement according to described first participant thaws part fund corresponding to described silver letter card;
When capital management server does not still receive residue loan after exceeding repayment period, urge money to described first participant;
Capital management server to thaw surplus capital corresponding to described silver letter card urging the residue loan repaid in the money time limit according to described first participant;
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 described second participant, fund still meter pair interest on deposit between freezing period that described capital management server is corresponding to described silver-colored letter card.
The present invention proposes a kind of balance system simultaneously, comprising:
Lending module, for providing the loan of corresponding amount to the first participant according to the silver letter card opened through the second participant application, and freezes fund corresponding to described silver letter card;
First receives and borrows module, and the part loan for repaying in the repayment period of agreement according to described first participant thaws part fund corresponding to described silver letter card;
Urging money module, during for still not receiving residue loan after exceeding repayment period, urging money to described first participant;
Second receives and borrows module, for thawing surplus capital corresponding to described silver letter card urging the residue loan repaid in the money time limit according to described first participant;
Module paid by interest on deposit meter, the interest on deposit of fund between freezing period corresponding to described silver letter card pays for counting;
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 described second participant.
A kind of debt-credit method provided by the present invention and balance system, by institutions managing funds is drawn in debt-credit process of exchange, make institutions managing funds come true on lender.The first participant (loaning bill side is lent at institutions managing funds, i.e. debtor) while, fund in second participant account is temporary freeze, thisly freeze the acquisition not affecting the second participant interest on deposit, the loan interest that the first participant pays can also be obtained in addition in some cases, maintain the interests of obligee; And institutions managing funds is provided a loan according to the blocked funds of the first participant, improve the financing security of institutions managing funds; Because institutions managing funds is actual lender, undertaken urging money by institutions managing funds when the first participant promise breaking, have fright effect to violations, reduce default risk, maintain the interests of obligee; In addition, institutions managing funds is drawn in debt-credit process of exchange, make data processing safer, quick.
Accompanying drawing explanation
Fig. 1 is the process flow diagram of debt-credit method first embodiment of the present invention;
Fig. 2 is the mutual schematic diagram of the first participant in the embodiment of the present invention, capital management server and the second participant tripartite;
Fig. 3 is the process flow diagram of debt-credit method second embodiment of the present invention;
Fig. 4 is the process flow diagram of debt-credit method the 3rd embodiment of the present invention;
Fig. 5 is the process flow diagram of debt-credit method the 4th embodiment of the present invention;
Fig. 6 is the module diagram of balance system first embodiment of the present invention;
Fig. 7 is the module diagram of balance system second embodiment of the present invention.
The realization of the object of the invention, functional characteristics and advantage will in conjunction with the embodiments, are described further with reference to accompanying drawing.
Embodiment
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, 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, and capital management credit investigation system comprises the People's Bank's credit investigation system or other financial institution's credit investigation systems.
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 (loan initiator), institutions managing funds promise handles the electronic credit voucher of receipt and payment clearing according to separating the condition of paying, silver believes that card is a kind of internet basis for innovation financial instrument with institutions managing funds credit acceptance and guarantee.
Second participant (loan initiator) refers to that oriented first participant initiates the individual or entity of lending purpose, but the effect of lender that what in actual debt-credit transaction, institutions managing funds played is, second participant (loan initiator) has loan purpose, believe card by opening silver to institutions managing funds application afterwards, then institutions managing funds is made loans for assuring to the first participant with this silver letter card; If the first participant is refunded according to appointment, then the silver letter card that the second participant is provided thaws, and the second participant and institutions managing funds collect loan interest according to agreement; If the first participant is not refunded according to appointment, then silver letter card can keep frozen state in a fixed term, account is urged to the first participant by institutions managing funds, if the first participant is refunded in fixed term (institutions managing funds urges money success), silver letter card still thaws, and the second participant and institutions managing funds collect loan interests by agreement.Compare to traditional debt-credit mode, institutions managing funds is drawn in debt-credit process of exchange by obligee, lender on institutions managing funds comes true, while institutions managing funds lends the first participant, the silver letter card that second participant is outputed to institutions managing funds application is just as credit underwriting, fund in account is temporary freeze, thisly freeze the acquisition not affecting the second participant interest on deposit, and institutions managing funds is drawn in debt-credit process of exchange, make data processing safer, quick.
Be described in detail below by way of specific embodiment.
See Fig. 1, Fig. 2, propose debt-credit method first embodiment of the present invention, described debt-credit method comprises the following steps:
S11, capital management server provide the loan of corresponding amount to the first participant according to the silver letter card opened through the second participant application, and freeze fund corresponding to silver letter card.
Concrete, second participant is opened an account at institutions managing funds, and stored in deposit, second participant, first participant and institutions managing funds tripartite appoint the amount of the loan, repayment period, after paying the credit informations such as the loan interest of institutions managing funds, second participant according to aforementioned credit information to the application of capital management server, silver letter card is opened by capital management server, capital management server is according to the application of the second participant, the savings account freezing the second participant is believed with silver and demonstrate,proves corresponding fund, and provide the loan of corresponding amount to the first participant according to silver letter card.
It should be noted that, although the fund of the silver letter card correspondence that the second participant application is outputed is frozen, but the fund freezed is still in the second participant account, just fund is in not available state, but does not also affect collecting of the second participant interest on deposit between freezing period.This interest on deposit can be demand deposit interest, also can be the time deposit interest of agreement.Such as, second participant account fund remaining sum is 300,000, to the application of 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 demand deposit interest by the balance of funding of 100,000, and calculate separately current or the time deposit interest of 200,000 funds of its correspondence between silver letter card freezing period.
The part loan that S12, capital management server are repaid in the repayment period of agreement according to the first participant thaws part fund corresponding to silver letter card.
In this step S12, first participant has repaid part loan to institutions managing funds in the repayment period of agreement, after institutions managing funds receives this part loan, capital management server then to thaw part fund corresponding to silver letter card according to the amount of the loan, such as this part fund is the part of repaying with the first participant and provides a loan the fund of single-candidate, meanwhile, the part fund of thawing becomes automatically the second participant account can utilization state, and can count the interest on deposit corresponding to part fund of paying and thawing simultaneously.
When S13, capital management server still do not receive residue loan after exceeding repayment period, urge money to the first participant.Such as, dunning letter is sent by the mode such as mail, note to the first participant.
S14, capital management server to thaw surplus capital corresponding to silver letter card urging the residue loan repaid in the money time limit according to the first participant.
In this step S14, when loaning bill side can not repay residue loan in repayment period, allow the first participant urging in the money time limit moratorium residue loan.When capital management server is after urging in the money time limit residue loan receiving the first participant repayment, namely the surplus capital that the silver letter card that thaws is corresponding, meanwhile, the surplus capital of thawing becomes automatically the second participant account can utilization state, and the interest on deposit corresponding to surplus capital of thawing paid by meter simultaneously.
For the interest on deposit corresponding to the blocked funds that silver letter card is corresponding, also can not in step S12 and step S14 respectively meter pay, but in step S14, the interest on deposit corresponding to all blocked fundss is counted together and pays the second participant.
Thus, the debt-credit method of the present embodiment, by institutions managing funds is drawn in debt-credit process of exchange, make institutions managing funds come true on lender.While institutions managing funds lends the first participant (debtor), the fund in the second participant account is temporary freeze, thisly freezes the acquisition not affecting the second participant interest on deposit, maintains the interests of obligee; And institutions managing funds is provided a loan according to the blocked funds of the second participant, improve the financing security of institutions managing funds; Because institutions managing funds is actual lender, undertaken urging money by institutions managing funds when the first participant promise breaking, have fright effect to violations, reduce default risk, maintain the interests of obligee; In addition, institutions managing funds is drawn in debt-credit process of exchange, make data processing safer, quick.
See Fig. 3, propose debt-credit method second embodiment of the present invention, described debt-credit method comprises the following steps:
S21, capital management server provide the loan of corresponding amount to the first participant according to the silver letter card opened through the second participant application, and freeze fund corresponding to silver letter card.
The part loan that S22, capital management server are repaid in the repayment period of agreement according to the first participant thaws part fund corresponding to silver letter card.
When S23, capital management server still do not receive residue loan after exceeding repayment period, urge money to the first participant.Such as, dunning letter is sent by the mode such as mail, note to the first participant.
S24, capital management server to thaw surplus capital corresponding to silver letter card urging the residue loan repaid in the money time limit according to the first participant.
In the present embodiment, step S21-S24 is identical with the step S11-S14 in the first embodiment, does not repeat them here.
S25, capital management server impose extension fine to the first participant.
Extension fine can be that extension overdue fine is or/and the loan interest of increase in the deferred credits time limit.
Step S24 and S25 can carry out simultaneously, and namely the first participant can send to capital management server together with residue loan and extension fine.
Thus, by increasing the penalty cost of the first participant, reducing default risk, maintaining the interests of the second participant and obligee further.
See Fig. 4, propose debt-credit method the 3rd embodiment of the present invention, described debt-credit method comprises the following steps:
S31, capital management server provide the loan of corresponding amount to the first participant according to the silver letter card opened through the second participant application, and freeze fund corresponding to silver letter card.
The part loan that S32, capital management server are repaid in the repayment period of agreement according to the first participant thaws part fund corresponding to silver letter card, and by preset rules in the second participant account and capital management account floated loan interest.
In the present embodiment, the second participant and institutions managing funds have also arranged the distribution of loan interest, and namely in the present embodiment, the second participant not only can receive interests on the money deposited, and can also obtain part loan interest.Such as, arrange the first loan interest in loan interest to distribute to institutions managing funds, the second loan interest distributes to the second participant.
In this step S32, the first participant has repaid part loan to institutions managing funds in the repayment period of agreement, and this part loan draws together the loan interest (the first loan interest and the second loan interest) of part loan principal and correspondence thereof.After institutions managing funds receives this part loan, capital management server then to thaw part fund corresponding to silver letter card according to the amount of the loan, the such as fund of this part loan principal that part fund is with the first participant is repaid and the first corresponding loan interest single-candidate thereof, the second loan interest that first participant is repaid is dispensed to the second participant account simultaneously, and the interest on deposit corresponding to the fund of thawing of paying silver letter card correspondence can be counted, thus make the second participant obtain the income of loan interest and interest on deposit simultaneously.
When S33, capital management server still do not receive residue loan after exceeding repayment period, urge money to the first participant.Such as, dunning letter is sent by the mode such as mail, note to the first participant.
S34, capital management server to thaw surplus capital corresponding to silver letter card urging the residue loan repaid in the money time limit according to the first participant, and by preset rules in the second participant account and capital management account floated loan interest.
In this step S34, when loaning bill side can not repay residue loan in repayment period, allow the first participant urging in the money time limit moratorium residue loan.When capital management server is after urging in the money time limit residue loan receiving the first participant repayment, namely the surplus capital that the silver letter card that thaws is corresponding, meanwhile, the surplus capital of thawing becomes automatically the second participant account can utilization state, and the interest on deposit corresponding to surplus capital of thawing paid by meter simultaneously.
For the interest on deposit corresponding to the blocked funds that silver letter card is corresponding, also can not in step S32 and step S34 respectively meter pay, but in step S34, the interest on deposit corresponding to all blocked fundss is counted together and pays the second participant.
For the distribution of loan interest, also can distribute in step S32 and step S34 respectively, but after the first participant has repaid all loans, carry out the distribution of loan interest together in step S34.
Thus the debt-credit method of the present embodiment, the second participant not only can obtain the interest on deposit that institutions managing funds pays, and can also obtain the loan interest that the first participant pays, maintain the interests of the second participant and obligee further.
See Fig. 5, propose debt-credit method the 4th embodiment of the present invention, described debt-credit method comprises the following steps:
S41, capital management server provide the loan of corresponding amount to the first participant according to the silver letter card opened through the second participant application, and freeze fund corresponding to silver letter card.
The part loan that S42, capital management server are repaid in the repayment period of agreement according to the first participant thaws part fund corresponding to silver letter card, and by preset rules in the second participant account and capital management account floated loan interest.
When S43, capital management server still do not receive residue loan after exceeding repayment period, urge money to the first participant.Such as, dunning letter is sent by the mode such as mail, note to the first participant.
S44, capital management server to thaw surplus capital corresponding to silver letter card urging the residue loan repaid in the money time limit according to the first participant, and by preset rules in the second participant account and capital management account floated loan interest.
In the present embodiment, step S41-S44 is identical with the step S31-S34 in the 3rd embodiment, does not repeat them here.
S45, capital management server impose extension fine to the first participant.
Extension fine can be that extension overdue fine is or/and the loan interest of increase in the deferred credits time limit.
Step S44 and S45 can carry out simultaneously, and namely the first participant can send to capital management server together with residue loan and extension fine.
See Fig. 6, balance system first embodiment of the present invention is proposed, described balance system is applied to aforementioned capital management server, and described balance system comprises lending module, first and receives loan module, the second receipts loan module, urges money module and interest on deposit meter to pay module, wherein:
Lending module: for providing the loan of corresponding amount to the first participant according to the silver letter card opened through the second participant application, and freeze fund corresponding to silver letter card.
First receives and borrows module: the part loan for repaying in the repayment period of agreement according to the first participant thaws part fund corresponding to silver letter card.
Urge money module: during for still not receiving residue loan after exceeding repayment period, urge money to the first participant.Such as, money module is urged to send dunning letter by the mode such as mail, note to the first participant.
Second receives and borrows module: for thawing surplus capital corresponding to silver letter card urging the residue loan repaid in the money time limit according to the first participant.
Module paid by interest on deposit meter: the interest on deposit of fund between freezing period corresponding to silver letter card pay for counting.
Further, second receive borrow module also for: when still not receiving residue loan after exceeding repayment period, impose extension fine to the first participant.Described extension fine is that extension overdue fine is or/and the loan interest of increase in the deferred credits time limit.
Thus, the balance system of the present embodiment, while institutions managing funds lends the first participant, the fund in the second participant account is temporary freeze, thisly freezes the acquisition not affecting the second participant interest on deposit, maintains the interests of the second participant; And institutions managing funds is provided a loan according to the blocked funds of the second participant, improve the financing security of institutions managing funds; Because institutions managing funds is actual lender, undertaken urging money by institutions managing funds when the first participant promise breaking, have fright effect to violations, reduce default risk, maintain the interests of obligee; In addition, institutions managing funds is drawn in debt-credit process of exchange, make data processing safer, quick.
See Fig. 7, balance system second embodiment of the present invention is proposed, the difference of the present embodiment and the first embodiment is the increase in a loan interest distribution module, described loan interest distribution module is used for: when after the loan receiving the first participant, by preset rules in the second participant account and capital management account floated loan interest.
Thus the second participant not only can obtain the interest on deposit that capital management server pays, the loan interest that the first participant side pays can also be obtained, maintain the second participant side i.e. interests of obligee further.
It should be noted that, the technical characteristic in said method embodiment all can correspondingly be suitable in this device embodiment, no longer repeats here.
One of ordinary skill in the art will appreciate that, realize the hardware that all or part of step in above-described embodiment method can control to be correlated with by program to complete, described program can be stored in a computer read/write memory medium, and described storage medium can be ROM/RAM, disk, CD etc.
Should be understood that; these are only the preferred embodiments of the present invention; can not therefore limit the scope of the claims of the present invention; every utilize instructions of the present invention and accompanying drawing content to do equivalent structure or equivalent flow process conversion; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.
Claims (10)
1. a debt-credit method, is characterized in that, comprise the following steps:
Capital management server provides the loan of corresponding amount to the first participant according to the silver letter card opened through the second participant application, and freeze fund corresponding to described silver letter card;
The part loan that capital management server is repaid in the repayment period of agreement according to described first participant thaws part fund corresponding to described silver letter card;
When capital management server does not still receive residue loan after exceeding repayment period, urge money to described first participant;
Capital management server to thaw surplus capital corresponding to described silver letter card urging the residue loan repaid in the money time limit according to described first participant;
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 described second participant, fund still meter pair interest on deposit between freezing period that described capital management server is corresponding to described silver-colored letter card.
2. debt-credit method according to claim 1, is characterized in that, described method also comprises:
Capital management server presses preset rules in the second participant account and capital management account floated loan interest.
3. debt-credit method according to claim 1, is characterized in that, described interest on deposit is the time deposit interest of demand deposit interest or agreement.
4. the debt-credit method according to any one of claim 1-3, is characterized in that, described method also comprises: when still not receiving residue loan after exceeding repayment period, and capital management server imposes extension fine to described first participant.
5. debt-credit method according to claim 4, is characterized in that, described extension fine is that extension overdue fine is or/and the loan interest of increase in the deferred credits time limit.
6. a balance system, is characterized in that, comprising:
Lending module, for providing the loan of corresponding amount to the first participant according to the silver letter card opened through the second participant application, and freezes fund corresponding to described silver letter card;
First receives and borrows module, and the part loan for repaying in the repayment period of agreement according to described first participant thaws part fund corresponding to described silver letter card;
Urging money module, during for still not receiving residue loan after exceeding repayment period, urging money to described first participant;
Second receives and borrows module, for thawing surplus capital corresponding to described silver letter card urging the residue loan repaid in the money time limit according to described first participant;
Module paid by interest on deposit meter, the interest on deposit of fund between freezing period corresponding to described silver letter card pays for counting;
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 described second participant.
7. balance system according to claim 6, is characterized in that, also comprises loan interest distribution module, described loan interest distribution module also for: by preset rules in the second participant account and capital management account floated loan interest.
8. balance system according to claim 6, is characterized in that, described interest on deposit is the time deposit interest of demand deposit interest or agreement.
9. the balance system according to any one of claim 6-8, is characterized in that, described second receive borrow module also for: when still not receiving residue loan after exceeding repayment period, impose extension fine to described first participant.
10. balance system according to claim 9, is characterized in that, described extension fine is that extension overdue fine is or/and the loan interest of increase in the deferred credits time limit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510287594.3A CN104915883A (en) | 2015-05-29 | 2015-05-29 | Borrowing and lending method and borrowing and lending system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510287594.3A CN104915883A (en) | 2015-05-29 | 2015-05-29 | Borrowing and lending method and borrowing and lending system |
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| CN104915883A true CN104915883A (en) | 2015-09-16 |
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| CN201510287594.3A Pending CN104915883A (en) | 2015-05-29 | 2015-05-29 | Borrowing and lending method and borrowing and lending system |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 |
| CN109544319A (en) * | 2018-10-18 | 2019-03-29 | 平安普惠企业管理有限公司 | Accounting difference processing method, device, medium and equipment in syndicated loan |
| 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 CN201510287594.3A patent/CN104915883A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| 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 |
| 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 |
| CN109544319A (en) * | 2018-10-18 | 2019-03-29 | 平安普惠企业管理有限公司 | Accounting difference processing method, device, medium and equipment in syndicated loan |
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Application publication date: 20150916 |