CN106022906A

CN106022906A - Safe and tradable network debit-credit realization platform and network debit-credit realization method

Info

Publication number: CN106022906A
Application number: CN201610309294.5A
Authority: CN
Inventors: 吴江
Original assignee: Individual
Current assignee: Individual
Priority date: 2016-05-11
Filing date: 2016-05-11
Publication date: 2016-10-12

Abstract

The invention relates to a safe and tradable network debit-credit realization platform and a network debit-credit realization method. The platform comprises a standard contract module, a creditor-right issuing module, a guarantee and mortgage processing module, a fund supervision module, a creditor-right exchange module, an abnormal monitoring and processing module for repaying capital with interest, a creditor-right information module, and a credit record module. In order to realize effective extension of main functions, an acquaintance-to-acquaintance debit-credit realization function is provided. According to the invention, a squeezing phenomenon is prevented by using a mechanism of allowing a fund lender to carry out creditor-right transaction; and the cost of fund redemption of the fund lender is reduced. Therefore, a problem that the fund borrower needs to deal with mortgage things during the creditor-right renewing period can be solved; a phenomenon that all different platforms use different contracts to play a trick can be prevented; and the investment efficiency is improved. In addition, the invention also provides a acquaintance-to-acquaintance debit-credit realization function, so that a standard processing procedure is provided for debit-credit realization between acquaintances.

Description

A kind of safe and network loan platform that can conclude the business and network loan method thereof

Technical field

The invention belongs to Internet technical field, be applied to network loan industry, be specifically related to network that is a kind of safe and that can conclude the business Loan platform and network loan method thereof.

Background technology

The most fashionable whole world of P2P Financing Mode, becomes one of most popular the Internet financial models, and 2007 Year was introduced into China, initially entered quick rise period, then the bottleneck phase started by 2015, a large amount of P2P platforms by 2011 Close down, occur in that the event that a series of social influence is the most severe.

Tracing it to its cause, P2P Financing Mode is to meet to a certain extent to invest and finance between domestic long-standing enterprises and individuals Demand, but also bring a large amount of problem due to a variety of causes, specific as follows:

One, lend artificial individual investor due to substantial amounts of fund, do not possess Professional knowledge technical ability and relevant information, cause Often being in the state of information asymmetry between fund lender and P2P platform, the most all kinds of supervision is also not kept pace with, and therefore gives P2P platform black-box operation, the chance profited from.And directly show the fund extracting fund lender exactly, bad credit rate The most high.

Two, on P2P platform, the circulation of fund is the account that fund is proceeded to platform by fund lender mostly, then will money by platform Gold proceeds to fund and borrows the account of people.And held fund by platform and add the risk of fund lender, P2P platform management personnel To abscond with funds be exactly topmost performance.

Three, 2 as above also constitute the fund lender distrust to P2P platform, and on market, one has any negative news, Will result in the request that substantial amounts of fund is redeemed, and once cause chain reaction, even the normal P2P platform managed is the most also Enough circulating funds are not had to cash.Light then P2P platform is sapped one's vitality, in then close down, heavy then related whole P2P industry It is absorbed in bankruptcy tide and has influence on real economy.

Four, most of funds are borrowed people and all can be mortgaged certain article to obtain fund, renew period to mortgage in debtor-creditor relationship Goods and materials gold borrows people does not has right of disposal.Once for certain cause specific, fund borrows people needs to dispose the situation of guaranty Under, its cost will be the highest.

Five, existing P2P platform can sign the text of similar " account consignment agreement " etc mostly with fund lender, and each Protocol contents between individual different platform is different, causes fund lender to need comparatively large number of different association when selecting View text.Thereby result in the low of efficiency of investment, made some simultaneously P2P platform is organic to take advantage of, therefrom juggle things.

Six, do not has the mechanism that P2P platform is carried out credit rating in the market.One P2P platform is managed normal When fund lender have a hunch that credit is extraordinary, and once meet accident, credit is just reduced to minimum, and this is also unfavorable for whole The development of individual industry.

Existing P2P platform also ignores the demand of capital loan between acquaintance.It is unwilling to discuss back due to reasons such as emotions between acquaintance Report, even if debtor has a mind to provide the return side of lending the most also to be reluctant to accept, in order to avoid injuring emotion；Also have between acquaintance and carry out Still some does not has written confirmation to lend-borrow action, or does not has guaranty, causes after date refund generation problem, and these all hinder Credit contact between acquaintance.

P2P is the most fiery financial investment financing platform.Network credit originates from Britain, is subsequently progressed to the U.S., Germany And other countries, its typical pattern is: network finance company provides platform, debtor and creditor freely bid, order matching. Fund lender obtains interest income, and accepts the risk；Fund is borrowed people and is expired Replacement of principal, and network finance company collects intermediary Service charge.

Domestic P2P platform is not pure information promulgating platform, will classify and see.It is developed so far and has been derived by the concept of P2P A lot of patterns.China network loan platform already more than 2000, the pattern of platform is had nothing in common with each other, be summed up mainly have following Four classes:

One, guarantee agency's guarantee transaction pattern, this is also safest P2P pattern.This type of platform is not inhaled as intermediary, platform Storage, does not makes loans, provides only Financial Information service, the little Dai company cooperated and guarantee agency provide double securities.Typical Representative Such as favourable net.The trade mode of this type of platform mostly is " 1 to many ", and i.e. one borrowing demand is invested by multiple investors.This kind The advantage of pattern is to can ensure that the fund security of investor, by domestic large-scale guarantee agency joint mortgages such as middle peace letter industry, if Running into bad credit, guarantee agency can get to principal and interest investor's account in time delaying the second day refunded.Among these, have Profit net is also proposed credits and resells transaction, if investor's urgent need is spent money, can be by credits of reselling, and thus at any time oneself account Fund in family is taken away.Favourable net is because its safe ready obtains rapidly user and likes.

Two, the preferably letter pattern of " the obligatory contract transfer modes under P2P platform "." multi-to-multi " pattern can be referred to as, borrow money Combination is all broken up in demand and investment, even has and is lent fund to borrowing as maximum creditor by Yi Xin director Tang Ning oneself Money people, then obtains credits and splits it, give other investors by assignment of credit form by subrogation, it is thus achieved that loan fund. Preferably believe also special because of it debt-credit pattern, formulated " two-way free combat " risk control, the form offered loans by individual, obtained The credits of a term, preferably believe and these credits carried out the amount of money and splits while the time limit, so, preferably letter utilize fund with The staggered proportioning in time limit, constantly attracts fund, acquisition credits of offering loans, the most constantly by the mispairing of the amount of money Yu time limit, Constantly carrying out splitting transferring the possession of, preferably believe that the feature of pattern is that reproducibility is strong, development is fast.Its frame system can be regarded as the left side pair Connecing assets, the right docking credits, the coefficient of balance preferably believed is that externally the lending amount of money have to be larger than or equal to assigned claim, if put Monetary allowance volume is actually smaller than assigned claim, equal to transferring the possession of non-existent credits, according to " about hitting the activities such as illegal fund collection further Notice ", belong to illegal fund collection category.

Three, the Internet service platform that large-scale financial clique releases, safety Lu Jin is the representative of this quasi-mode.With other platforms The most millions of registered capitals is compared, Lu Jin the registered capital of 4 hundred million seem the brightest eye.This type of platform has large group Background, and be to the Internet layout by traditional financial industry, therefore in business model, finance color is richer, more " old-type opera school ", also For risk control, the P2P business of Lu Jinsuo still uses the borrower under line to audit, and with safety group under guarantee Company's cooperation carries out business guarantee, has also dug professional team to do wind control from overseas.Although audit under line, guarantee in full is to lean on most The means of spectrum, but the most all of net of cost is borrowed platform and can be born, it is impossible to promote as industry standard configuration.It is worth mentioning Lu Jin is used " 1 to 1 " pattern, 1 only 1 investor that borrows money, and needs investor to operate investment voluntarily on the net, And time horizon of vestment is limited to 1-3, so be can't buy by complaint when just releasing everyday, and mobility is the highest.But owing to 1 to 1 Pattern credits are clear, and therefore Lu Jin place 2012 will be proposed the assignment of credit service end of the year, alleviate under-supply and poor fluidity Problem.

With parameter transaction as basic point, in conjunction with O2O's (chance of commercial affairs under line is combined by Online to Offline with the Internet) Comprehensive trade mode.Such as Ali's petty load adds credit examination & verification system for electricity business, and credit information is carried out integration process.This The P2P petty load business planting the establishment of little loan pattern accounts for obtain advantage by its customer resources, electricity business's transaction data and product structure, Its platform client is serviced by the Liang Jia small-loan company set up under its line.Under line, the chance of commercial affairs and the Internet are combined in Together, the Internet is allowed to become the foreground of off-line transaction.

Based on above analysis, need a kind of platform badly from mechanism, solve the problems referred to above.

Summary of the invention

For solving above-mentioned deficiency of the prior art, it is an object of the invention to provide network loan platform that is a kind of safe and that can conclude the business And network loan method.

It is an object of the invention to use following technical proposals to realize:

The present invention provides network loan platform that is a kind of safe and that can conclude the business, and it thes improvement is that, platform includes:

Standard contract module: for specified value contract；

Credits issuing module: issue for credits；

Guarantee and mortgage processing module: be used for guarantee and the keeping of guaranty and process；

Fund Supervision module: for Fund Supervision；

Credits transaction modules: conclude the business for credits；

Repay capital with interest exception monitoring and processing module: be used for repay capital with interest exception monitoring and process；

Credits information module: be used for recording credits information；

Credit record module: for credit record is charged in all behaviors；

Functional module is borrowed or lent money: borrow or lend money between acquaintance between acquaintance.

Further, described network loan platform participant includes that fund borrows people, fund lender, publisher, guarantor, Custodian and third party's Fund Supervision platform.

The present invention provides the network loan method of network loan platform that is a kind of safe and that can conclude the business, and it thes improvement is that, described Method comprises the steps:

(1) described publisher collects described fund and borrows the credit requirement information of people；

(2) described guarantor, the most described guarantor can be provided to sign standard security agreement if described fund borrows people；

(3) if described fund borrows people can provide guaranty, then standard keeping agreement is signed by described custodian, and to supporting Wagering carries out keeping；

(4) described publisher and single or multiple described funds are borrowed people and are signed standard consignment agreement；

(5) credit requirement is packaged into credits by described publisher, is issued by this platform；

(6) described fund lender subscribes the credits of described publisher distribution by this platform, and fund of subscribing enters described third party Fund Supervision platform account；

(7) credits of the most described publisher distribution meet the condition of distribution, then by described third party's Fund Supervision Funds associated therewith in platform account directly proceeds to described fund and borrows the account of people, simultaneously in described fund lender and described fund Borrow and between people, set up credits relation；

(8) renewing period in credits relation, transaction event occurs simultaneously；

(9) if described fund borrows people exception of repaying capital with interest occurs, need to terminate in advance；

(10) if described fund borrows people has paid off principal and interest, then release of security, collateral agreement, terminates credits relation.

Further, in described step (7), as failed to meet the condition of distribution, the most described third party's Fund Supervision platform account Interior funds associated therewith will pulled back from the account of the described fund lender subscribed, and terminates this time to issue simultaneously.

Further, in described step (8), transaction event includes:

A) described fund is borrowed people and is repaid capital with interest by agreement, and fund enters described money by described third party's Fund Supervision platform account Gold lender's account；

B) described fund lender is concluded the business credits by platform；

C) described fund is borrowed people and can be proposed guaranty change request, and changes guaranty by certain program；

D) described fund is borrowed people and is repaid capital with interest and abnormal conditions occur, carries out repaying capital with interest abnormality processing by certain program.

6, network loan method as claimed in claim 3, it is characterised in that in described step (9), do after terminating in advance Below operation:

A) carry out repaying capital with interest by certain program and abnormal exit process；

B) release of security, collateral agreement, terminates credits relation.

Further, the letter of entity and individual is all charged in all behaviors in described step (1)～(10) by credit record module With record.

The present invention also provides for acquaintance's network loan method of network loan platform that is a kind of safe and that can conclude the business, and it thes improvement is that, Described method, by borrowing or lending money Implement of Function Module between acquaintance, comprises the steps:

1) debtor and creditor has conferred debt-credit details；

2) described guarantor, the most described guarantor can be provided to sign standard security agreement if described fund borrows people；

3) if described fund borrows people can provide guaranty, then standard keeping agreement is signed by described custodian, and to mortgage Thing carries out keeping；

4) described fund lender and described fund are borrowed people and are signed standard lending agreement；

5) fund is proceeded to described fund by described third party's Fund Supervision platform and borrows people's account, simultaneously by described fund lender Borrow described fund lender and described fund and between people, set up credits relation；

6) described fund is borrowed people and by described third party's Fund Supervision platform, by agreement, principal and interest is proceeded to described fund and lend and acknowledge a debt Family；

7) if described fund borrows people has paid off principal and interest, then release of security, collateral agreement, terminates credits relation.

Further, step 1)～7) in all behaviors all charged to the credit record of entity and individual by credit record module.

In order to some aspects of the embodiment disclosed are had a basic understanding, shown below is simple summary.This summary portion Dividing is not extensive overview, is not key/critical component to be determined or the protection domain describing these embodiments.It is unique Purpose is to present some concepts, in this, as the preamble of following detailed description by simple form.

Compared with immediate prior art, the excellent effect that the technical scheme that the present invention provides has is:

The present invention is split, upon execution by not by the distribution that will complete on original P2P platform, mortgage, guarantee function Same unit completes.Thus the business separation originally processed alone by P2P platform having been become distribution, guarantee, at mortgage and fund The business such as reason, are processed by different units respectively, ensure that the safety of fund, it is therefore prevented that the fund of extracting is borrowed in mechanism Going out the fund of people, bad credit rate is the highest and the generation of the malignant event such as abscond with funds of P2P platform management personnel.

The present invention, by allowing the conclude the business mechanism of credits of fund lender to prevent the generation run on a bank, reduces fund lender simultaneously The cost of redemption fund.

The present invention borrows people by permission fund and solves fund during credits renew by the mechanism of specific programing change guaranty Borrow the problem that people needs to dispose mortgaged thing.

The present invention prevents each different platform to utilize the problem that different contracts is juggled things by the way of providing standard contract, with Time also improve the efficiency of investment.

Participation is borrowed or lent money each side by the way of all lend-borrow action are charged to credit record and is carried out credit rating by the present invention, makes participation Partner is had an assessment based on credit history record by person's activity afterwards.

The present invention makes participation debt-credit each side prevent because information asymmetry causes loss by issuing timely and updating credits information Problem.

As the extension of major function, present invention provides the function carrying out borrowing or lending money between a kind of acquaintance, make the debt-credit between acquaintance have The processing routine of standard.

For above-mentioned and relevant purpose, one or more embodiments include will be explained in below and the most special The feature pointed out.Description below and accompanying drawing describe some illustrative aspects, and only each enforcement of its instruction in detail Some modes in the utilizable various modes of principle of example.Other benefit and novel features by along with following specifically Bright being considered in conjunction with the accompanying and become obvious, the disclosed embodiments are intended to include all these aspect and their equivalent.

Accompanying drawing explanation

Fig. 1 is the platform process figure A that the present invention provides；

Fig. 2 is the platform process figure B that the present invention provides；

Fig. 3 is debt-credit flow chart between the acquaintance that the present invention provides.

Detailed description of the invention

Below in conjunction with the accompanying drawings the detailed description of the invention of the present invention is described in further detail.

The following description and drawings illustrate specific embodiments of the present invention fully, to enable those skilled in the art to put into practice it ?.Other embodiments can include structure, logic, electric, process and other change.Embodiment only generation The change that table is possible.Unless explicitly requested, otherwise individually assembly and function are optional, and the order operated can change. The part of some embodiments and feature can be included in or replace part and the feature of other embodiments.The enforcement of the present invention The scope of scheme includes the gamut of claims, and all obtainable equivalent of claims.In this article, These embodiments of the present invention can be represented by " inventing " individually or generally with term, and this is only used to conveniently, and And if in fact disclose the invention more than, be not meant to automatically to limit this application and in the range of any single invention or send out Bright design.

The present invention build one flexibly, safety and the network loan platform that can conclude the business, platform includes standard contract module, and credits are sent out Row module, assures and mortgages processing module, Fund Supervision module, credits transaction modules, repay capital with interest exception monitoring and process mould Block, credits information module, credit record module, as effective extension of major function, additionally provide debt-credit merit between acquaintance simultaneously Energy.

According to module described above, its major function includes:

A) credit requirement information；

B) guarantee and guaranty keeping；

C) related protocol signature；

D) distribution credits；

E) credits transaction；

F) repay capital with interest；

G) guaranty change；

H) repay capital with interest exception monitoring and process；

I) release of security, collateral agreement, terminates credits relation；

Credit record is charged in all behaviors.

The participant of the present invention includes that fund borrows people, fund lender, publisher, guarantor, custodian, third party's fund Supervising platform.

The present invention provides a kind of network loan method of network loan platform, its flow chart as illustrated in fig. 1 and 2, main step As follows:

1. publisher described in collects described fund and borrows the credit requirement information of people.

Described guarantor, the most described guarantor can be provided to sign standard security agreement if the most described fund borrows people.

If the most described fund borrows people can provide guaranty, then signed standard keeping agreement by described custodian, and to mortgage Thing carries out keeping.

4. publisher described in and single or multiple described funds are borrowed people and are signed standard consignment agreement.

5. described in, credit requirement is packaged into credits by publisher, is issued by this platform.

6. fund lender described in subscribes the credits of described publisher distribution by this platform, and fund of subscribing enters described third party money Gold supervising platform account.

The credits of the most described publisher distribution meet the condition (such as subscribing quantity etc.) of distribution, then by described Funds associated therewith in third party's Fund Supervision platform account directly proceeds to described fund and borrows the account of people, borrows in described fund simultaneously Go out people and described fund is borrowed and set up credits relation between people.As failed to meet the condition of distribution, the most described third party's fund is supervised Funds associated therewith in pipe platform account will pulled back from the account of the described fund lender subscribed, and terminates this time to issue simultaneously.

8. renewing period in credits relation, following event can occur simultaneously:

B) described fund lender is concluded the business credits by platform；

D) described fund is borrowed people and is repaid capital with interest and abnormal conditions occur, carries out repaying capital with interest abnormality processing by certain program；

If the most described fund borrows people exception of repaying capital with interest occurs, need to terminate in advance, then:

B) release of security, collateral agreement, terminates credits relation；

If the most described fund is borrowed people and paid off principal and interest, then release of security, collateral agreement, terminate credits relation.

All above behavior all will charge to the credit record of entity and individual.

The flow chart of function is borrowed or lent money as it is shown on figure 3, key step is as follows between the acquaintance that the present invention provides:

1. debtor and creditor has conferred debt-credit details.

4. fund lender described in and described fund are borrowed people and are signed standard lending agreement.

5. fund is proceeded to described fund by described third party's Fund Supervision platform and borrows people's account, simultaneously by fund lender described in Borrow described fund lender and described fund and between people, set up credits relation.

6. fund described in is borrowed people and by described third party's Fund Supervision platform, by agreement, principal and interest is proceeded to described fund and lend and acknowledge a debt Family.

Above example is only in order to illustrate that technical scheme is not intended to limit, although with reference to above-described embodiment to the present invention Be described in detail, those of ordinary skill in the field still the detailed description of the invention of the present invention can be modified or Person's equivalent, these are without departing from any amendment of spirit and scope of the invention or equivalent, all await the reply in application this Within bright claims.

Claims

1. a safety and the network loan platform that can conclude the business, it is characterised in that platform includes:

Standard contract module: for specified value contract；

Credits issuing module: issue for credits；

Fund Supervision module: for Fund Supervision；

Credits transaction modules: conclude the business for credits；

Credits information module: be used for recording credits information；

Credit record module: for credit record is charged in all behaviors；

2. network loan platform that is as claimed in claim 1 safe and that can conclude the business, it is characterised in that described network loan platform Participant includes that fund borrows people, fund lender, publisher, guarantor, custodian and third party's Fund Supervision platform.

3. safety as according to any one of claim 1-2 and the network loan method of network loan platform that can conclude the business, It is characterized in that, described method comprises the steps:

4. network loan method as claimed in claim 3, it is characterised in that in described step (7), sends out as failed to meet The condition of row, the described fund lender's that the funds associated therewith in the most described third party's Fund Supervision platform account will pulled back from having subscribed Account, terminates this time to issue simultaneously.

5. network loan method as claimed in claim 3, it is characterised in that in described step (8), transaction event includes:

B) described fund lender is concluded the business credits by platform；

6. network loan method as claimed in claim 3, it is characterised in that in described step (9), do after terminating in advance Below operation:

B) release of security, collateral agreement, terminates credits relation.

7. network loan method as claimed in claim 3, it is characterised in that all row in described step (1)～(10) For all being charged to the credit record of entity and individual by credit record module.

8. the safety as according to any one of claim 1-2 and the acquaintance network loan side of network loan platform that can conclude the business Method, it is characterised in that described method, by borrowing or lending money Implement of Function Module between acquaintance, comprises the steps:

1) debtor and creditor has conferred debt-credit details；

9. acquaintance's network loan method as claimed in claim 8, it is characterised in that step 1)～7) in all behaviors all The credit record of entity and individual is charged to by credit record module.