CN105550932A - Due-on-demand financial management method based on fixed time financial management creditor's right transfer and system - Google Patents
Due-on-demand financial management method based on fixed time financial management creditor's right transfer and system Download PDFInfo
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- CN105550932A CN105550932A CN201610078521.8A CN201610078521A CN105550932A CN 105550932 A CN105550932 A CN 105550932A CN 201610078521 A CN201610078521 A CN 201610078521A CN 105550932 A CN105550932 A CN 105550932A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0613—Third-party assisted
Abstract
The invention discloses a due-on-demand financial management method based on regular fixed time financial management creditor's right transfer and a system. The due-on-demand financial management method disclosed by the invention comprises steps of purchasing a creditor's right of a fixed time financial management product on a preset fixed time product creditor's right management platform, transferring the creditor's right of the purchased fixed time product on the fixed time product creditor's right management platform, guaranteeing that the transferred creditor's right can be preemptively bought on the fixed time product creditor's right platform, and transferring the purchase fund into an account of an investment person through a fund trusteeship platform preset on the third party when the transferred creditor's right is successfully purchased. The beneficial effects of the invention are that: the fixed time product creditor's right can be directly purchased through the fixed time financial management product creditor's right management platform, the fund can be transferred back through the third party fund trusteeship platform when the creditor's right is being transferred, the financial management on the due-on-demand product can be realized under the condition where the capital pool is not formed, and the more flexible due-on-demand financial management can be provided to the investor while the fund security can be guaranteed.
Description
Technical field
The present invention relates to banking management system technical field, particularly relate to a kind of current financing method based on the regularly financing assignment of credit and system.
Background technology
1, p2p and third party's hosted platform
P2P financing is a kind of novel novel financing pattern based on internet platform.Financier and investor contact directly by P2P financing, and both having met the financing needs of financier, met again the financial needs of investor, is a kind of effective financial instrument.The advantage that P2P net is borrowed is that annual earnings are high, and simple to operate, and shortcoming is also not put into effect corresponding and effective regulatory measure at present, and often occur events such as running away, investment risk is larger.And P2P platform occurs that the main cause running away and swindle event is: middle fund account lacks supervision, P2P platform has the allotment power of intermediate account fund.The nearly section time, Central Bank also clearly illustrates P2P net loan platform should set up third party's fund trustship mechanism.
Third party's fund hosted platform generally comprises following several entity:
1) target: represent behavior of once borrowing money.Can by capital investment under certain target when investment user is invested, under target of also target being refunded to when loaning bill user refunds.
2) investment user.Investment user can invest certain target, certain mark under fund also can refund investment user account under.
3) loaning bill user.When certain target is melted completely, borrower's account of can being made loans to, thus reach the object of financing.Can refund to when loaning bill user refunds borrow money target under.As shown in Figure 3: after third party's trustship mechanism set up by P2P platform, the investment of investor no longer forms fund pool, the power of user account remaining sum directly do not employed by P2P platform, thus add the security of P2P platform to a great extent.But such design is no problem for regular investment demand, current investment demand is but seemed unable to do what one wishes.
Because the fund pool of oneself had no longer by p2p platform, the current investment demand that user accesses at any time therefore cannot be met.How realizing a kind of current product solution when the trustship of third party's fund, is a problem demanding prompt solution.
2, existing P2P current product solution
The prior art of current product as shown in Figure 4.After user carries out proceeding to operation, the fund of user proceeds to fund pool; After user carries out producing operation, fund produces user account from fund pool.By the cash ratio controlling fund pool, P2P platform ensures that user produces, all the other funds are then for investing financial product to earn income.This mode defines fund pool, thus improves the investment risk of user.
For the problem in correlation technique, at present effective solution is not yet proposed.
Summary of the invention
The object of this invention is to provide a kind of current financing method based on the regularly financing assignment of credit and system, to overcome currently available technology above shortcomings.
The object of the invention is to be achieved through the following technical solutions:
Based on a current financing method for the regularly financing assignment of credit, comprise the steps:
S1, the fund of investor is bought in preset Determined products credits management platform the credits of regular finance product;
S2, when investor send withdraw deposit application time, then the credits of the Determined products bought are transferred the possession of in Determined products credits management platform, and guarantee that the credits of this transfer are given priority to purchasing in described Determined products credits management platform; With
S3, this fund to be forwarded by this purchase fund after successfully buying to the account of investor by being preset at third party's fund hosted platform when this assigned claim.
Further, step S1 comprises the steps:
The fund of investor is divided into some one's share of expenses for a joint undertaking funds;
Utilize this sub-fund in Determined products credits management platform, buy the credits of regular finance product.
Wherein, the kind quantity of the credits of the regular finance product of purchase is identical with the number of described sub-fund.
Wherein, the quantity of the credits of the regular finance product of transfer at least comprises one, and guarantees that the application amount of money of withdrawing deposit that the amount of money of the credits transferred the possession of and investor send is identical.
Wherein, described Determined products credits management platform is for the credits of Determined products of concluding the business.
The present invention also provides a kind of current financing system based on the regularly financing assignment of credit, and comprise regular credits and buy module, assignment of credit module, fund goes back to module, wherein,
Regular credits buy module: the credits fund of investor being bought in preset Determined products credits management platform regular finance product;
Assignment of credit module: when withdrawing deposit application for sending as investor, then in Determined products credits management platform, the credits of the Determined products bought are transferred the possession of, and guarantee that the credits of this transfer are given priority to purchasing in described Determined products credits management platform;
Fund goes back to module: for this fund being forwarded by this purchase fund after successfully buying to the account of investor by being preset at third party's fund hosted platform when this assigned claim.
Wherein, described regular credits are bought module and are also comprised: classification of fund module and credits purchase module, wherein
Classification of fund module: for the fund of investor is divided into some one's share of expenses for a joint undertaking funds;
Credits buy module: for the credits utilizing the sub-fund in classification of fund module to buy regular finance product in Determined products credits management platform.
Wherein, the number of described classification of fund module neutron fund is identical with the species number of the credits of regular finance product to be purchased.
Wherein, the credits of the Withdrawal Amount of investor and the regular finance product of transfer and then identical in described assignment of credit module.
Wherein, described Determined products credits management platform is for the credits of Determined products of concluding the business.
Beneficial effect of the present invention is: by directly buying Determined products credits in regular finance product credits management platform, and carry out fund when carrying out the assignment of credit by third party's fund hosted platform to go back to, reaching the financing achieved when not forming fund pool current product, managing money matters for investor provides more convenient current flexibly while guarantee investor fund security.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Fig. 1 is according to one of current financing method process flow diagram based on the regularly financing assignment of credit of the embodiment of the present invention;
Fig. 2 is the module map of the current financing system based on the regularly financing assignment of credit according to the embodiment of the present invention;
Fig. 3 is according to the embodiment of the present invention and the regular financing process flow diagram with third party's trustship;
Fig. 4 is the financing of the current based on the fund pool process flow diagram according to the embodiment of the present invention;
Fig. 5 is the current financing method process flow diagram two based on the regularly financing assignment of credit according to the embodiment of the present invention.
In figure:
1, regularly credits buy module; 2, assignment of credit module; 3, fund goes back to module; 4, classification of fund module; 5, credits buy module.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on the embodiment in the present invention, the every other embodiment that those of ordinary skill in the art obtain, all belongs to the scope of protection of the invention.
As shown in Figure 1, a kind of current financing method based on the regularly financing assignment of credit according to embodiments of the invention, comprises the steps:
Step S1: the credits fund of investor being bought in preset Determined products credits management platform regular finance product;
Step S2: when investor send withdraw deposit application time, then the credits of the Determined products bought are transferred the possession of in Determined products credits management platform, and guarantee that the credits of this transfer are given priority to purchasing in described Determined products credits management platform; With
Step S3: when this fund to be forwarded to the account of investor after successfully buying by this purchase fund by this assigned claim by being preset at third party's fund hosted platform.
Further, buy regular credits specifically to comprise the steps:
The fund of investor is divided into some one's share of expenses for a joint undertaking funds;
Utilize this sub-fund in Determined products credits management platform, buy the credits of regular finance product.
Wherein, the kind quantity of the credits of the regular finance product of purchase is identical with the number of described sub-fund.
Wherein, the quantity of the credits of the regular finance product of transfer at least comprises one, and guarantees that the application amount of money of withdrawing deposit that the amount of money of the credits transferred the possession of and investor send is identical.
Wherein, described Determined products credits management platform is for the credits of Determined products of concluding the business.
With reference to Fig. 2, a kind of current financing system based on the regularly financing assignment of credit described in the embodiment of the present invention, comprising:
Regular credits buy mould 1: the credits fund of investor being bought in preset Determined products credits management platform regular finance product;
Assignment of credit module 2: when withdrawing deposit application for sending as investor, then in Determined products credits management platform, the credits of the Determined products bought are transferred the possession of, and guarantee that the credits of this transfer are given priority to purchasing in described Determined products credits management platform;
Fund goes back to module 3: for this fund being forwarded by this purchase fund after successfully buying to the account of investor by being preset at third party's fund hosted platform when this assigned claim.Wherein, need to proceed to module by fund and carry out when fund is pivotal time, namely when user proceeds to current purchase credits time, money is under being transferred to target corresponding to these credits in fact.
Wherein, described regular credits are bought module 1 and are also comprised classification of fund module 4 and credits purchase module 5, wherein
Classification of fund module 4: for the fund of investor is divided into some one's share of expenses for a joint undertaking funds, wherein the fund of investor is divided into different sub-funds and ensure that the wide variety buying regular finance product, when transfer finance product, selective property can improve greatly like this.
Credits buy module 5: for the credits utilizing the sub-fund in classification of fund module to buy regular finance product in Determined products credits management platform.
Wherein, the number of described classification of fund module neutron fund is identical with the species number of the credits of regular finance product to be purchased.
Wherein, the credits of the Withdrawal Amount of investor and the regular finance product of transfer and then identical in described assignment of credit module.
Wherein, described Determined products credits management platform is for the credits of Determined products of concluding the business.
In one embodiment: with reference to Fig. 5 when investor B invests current financing system, at this moment system by the fund investment diversification of user in some regular projects, can be equivalent to the credits that B have purchased these regular projects.If at this moment B has carried out application of withdrawing deposit, system can will have been initiated one or morely to have bought assignment of credit application, and the amount of money of transfer is the Withdrawal Amount of B.When user C buys in current product, can give priority to purchasing the credits that B transfers the possession of, after buying, the fund of C can arrive the account of B by third party's trustship, and now, producing of B is applied for successfully, and C then obtains the credits of the investment project that B transfers the possession of.If there is no the credits in transferring the possession of in system, then buy application and can buy new regular project credits.
In sum, by means of technique scheme of the present invention, by directly buying Determined products credits in regular finance product credits management platform, and carry out fund when carrying out the assignment of credit by third party's fund hosted platform to go back to, reaching the financing achieved when not forming fund pool current product, managing money matters for investor provides more convenient current flexibly while guarantee investor fund security.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, within the spirit and principles in the present invention all, any amendment done, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1., based on a current financing method for the regularly financing assignment of credit, it is characterized in that, comprise the steps:
S1, the fund of investor is bought in preset Determined products credits management platform the credits of regular finance product;
S2, when investor send withdraw deposit application time, then the credits of the Determined products bought are transferred the possession of in Determined products credits management platform, and guarantee that the credits of this transfer are given priority to purchasing in described Determined products credits management platform; With
S3, this fund to be forwarded by this purchase fund after successfully buying to the account of investor by being preset at third party's fund hosted platform when this assigned claim.
2. the current financing method based on the regularly financing assignment of credit according to claim 1, it is characterized in that, step S1 comprises the steps: further
The fund of investor is divided into some one's share of expenses for a joint undertaking funds; With
Utilize this sub-fund in Determined products credits management platform, buy the credits of regular finance product.
3. the current financing method based on the regularly financing assignment of credit according to claim 2, it is characterized in that, the kind quantity of the credits of the regular finance product of purchase is identical with the number of described sub-fund.
4. the current financing method based on the regularly financing assignment of credit according to claim 3, it is characterized in that, the quantity of the credits of the regular finance product transferred the possession of at least comprises one, and guarantees that the application amount of money of withdrawing deposit that the amount of money of the credits transferred the possession of and investor send is identical.
5. the current financing method based on the regularly financing assignment of credit according to claim 1, it is characterized in that, described Determined products credits management platform is for the credits of Determined products of concluding the business.
6., based on a current financing system for the regularly financing assignment of credit, it is characterized in that, this system comprises:
Regular credits buy module: the credits fund of investor being bought in preset Determined products credits management platform regular finance product;
Assignment of credit module: when withdrawing deposit application for sending as investor, then in Determined products credits management platform, the credits of the Determined products bought are transferred the possession of, and guarantee that the credits of this transfer are given priority to purchasing in described Determined products credits management platform; With
Fund goes back to module: for this fund being forwarded by this purchase fund after successfully buying to the account of investor by being preset at third party's fund hosted platform when this assigned claim.
7. the current financing system based on the regularly financing assignment of credit according to claim 6, is characterized in that, described regular credits are bought module and also comprised:
Classification of fund module: for the fund of investor is divided into some one's share of expenses for a joint undertaking funds; With
Credits buy module: for the credits utilizing the sub-fund in classification of fund module to buy regular finance product in Determined products credits management platform.
8. the current financing system based on the regularly financing assignment of credit according to claim 7, it is characterized in that, the number of described classification of fund module neutron fund is identical with the species number of the credits of regular finance product to be purchased.
9. the current financing system based on the regularly financing assignment of credit according to claim 6, is characterized in that, the credits of the Withdrawal Amount of investor and the regular finance product of transfer and then identical in described assignment of credit module.
10. the current financing system based on the regularly financing assignment of credit according to claim 6, it is characterized in that, described Determined products credits management platform is for the credits of Determined products of concluding the business.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610078521.8A CN105550932A (en) | 2016-02-04 | 2016-02-04 | Due-on-demand financial management method based on fixed time financial management creditor's right transfer and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201610078521.8A CN105550932A (en) | 2016-02-04 | 2016-02-04 | Due-on-demand financial management method based on fixed time financial management creditor's right transfer and system |
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| CN105550932A true CN105550932A (en) | 2016-05-04 |
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| CN201610078521.8A Pending CN105550932A (en) | 2016-02-04 | 2016-02-04 | Due-on-demand financial management method based on fixed time financial management creditor's right transfer and system |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108346101A (en) * | 2018-03-06 | 2018-07-31 | 杭州政信金服互联网科技有限公司 | A kind of political affairs letter platform transaction service system |
| CN110443714A (en) * | 2018-05-04 | 2019-11-12 | 安波 | A kind of technical solution and business method of cooperative investment |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN102243748A (en) * | 2011-08-04 | 2011-11-16 | 郁晓东 | Electronic debt management operation system device and realization method of electronization and financial commercialization of claim and debt |
| CN104978687A (en) * | 2014-04-08 | 2015-10-14 | 陈衡 | Creditor's rights transferring processing device and creditor's rights transferring processing method |
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2016
- 2016-02-04 CN CN201610078521.8A patent/CN105550932A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102243748A (en) * | 2011-08-04 | 2011-11-16 | 郁晓东 | Electronic debt management operation system device and realization method of electronization and financial commercialization of claim and debt |
| CN104978687A (en) * | 2014-04-08 | 2015-10-14 | 陈衡 | Creditor's rights transferring processing device and creditor's rights transferring processing method |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108346101A (en) * | 2018-03-06 | 2018-07-31 | 杭州政信金服互联网科技有限公司 | A kind of political affairs letter platform transaction service system |
| CN110443714A (en) * | 2018-05-04 | 2019-11-12 | 安波 | A kind of technical solution and business method of cooperative investment |
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Application publication date: 20160504 |