CN107871281A - The debt-credit match system and method for air control are realized based on network platform circle of friends credit - Google Patents
The debt-credit match system and method for air control are realized based on network platform circle of friends credit Download PDFInfo
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Abstract
The present invention relates to the debt-credit match system and method that air control is realized based on network platform circle of friends credit.A kind of debt-credit match system that air control is realized based on network platform circle of friends credit, including：User registration module, user audit air control module, loaning bill release module, borrow or lend money and bring module and dynamic credit module together；Its advantage is：Before loan occurs, friend is most to understand one of colony of loaning bill individual subscriber credit situation, and match system can realize quick, reliable, inexpensive risk assessment by way of circle of friends various dimensions；Once breaking a contract, by netted association user and the information of guarantor, the circle of friends safeguarded using the network platform forms social pressure, promotes loaning bill user to complete to refund；The loss of investor can be mitigated, cost is demanded in reduction；Pass through the accurate creditworthiness for monitoring loaning bill user in real time of circle of friends accrediting amount change dynamic；The big data (dynamic credit investigation system) of dynamic credit may finally be formed.
Description
Technical field
The present invention relates to debt-credit field, more particularly to a kind of debt-credit pinch that air control is realized based on network platform circle of friends credit
Close system and method, the problem of can solve the problem that finance company's bad credit rate.
Background technology
It is well known that capital risk in capital loan business process be present, capital risk here includes credit wind
Danger, operational risk and market risk etc..Wherein credit risk refers to that loan customer can not provide to repay its debt on time as agreed
The possibility and its order of severity of business, and most important capital risk.The credit risk with quantifying loan is accurately disclosed, it is right
The loss of reduction fund, it is vital to improve lending enterprise operation achievement, and quantified controlling lending Credit Risk Assessment of Enterprise is
Lending enterprise operation pursues a goal.
Traditional loan application is difficult, and loaning bill user needs lending agency to submit substantial amounts of papery testimonial material, and can only
Handled on weekdays to outlet, the time waiting for approval is also grown after application, even if applying, due to lending, mechanism can not
Timely make loans and bring many inconvenience to user, loan speed to user slowly, miss many business opportunities.Sometimes lending mechanism also needs to
User meets that some additional conditions are just made loans to user, such as：The money of certain number is first deposited in bank, or buys some financing productions
Product etc., the user of original financial strain is set to be absorbed in the predicament for hardly possible of spending money.After paying off once loan, it is desirable to which loan need to carry again again
Application is handed over, then by means of hardly possible.
To sum up, in current main flow financial system, financial institution have ignored medium-sized and small enterprises and small amount borrowed in the positioning in market
The Financial Demands of colony are borrowed, in view of the credit risk of loaning bill user, the condition harshness of setting, formality is numerous and diverse, gives an written reply time length；To
When acquaintance borrows money, in addition to questions of one's reputation, acquaintance may not also have the fund to match, while there is also certain risk；From another
For one angle, many people's leave unused capitals, without investment channel, they are also badly in need of the means of value preserving and appreciation.
With the transformation of people's consumption idea, the demand of loan transaction is also increasing, however, traditional unsecured loan
Business has the following disadvantages：1st, the examination ＆ verification material of conventional loans for see financial report either Audit Report, see statement, see director or
Legal person's financial situation, the files such as tax position are seen, carry out manual examination and verification, but manual examination and verification can not be accomplished to monitor in real time, sometimes
Between hysteresis quality, msu message is static, and examination ＆ verification cost is high, poor accuracy；2nd, lending side and debt-credit side are unfamiliar with each other, debt-credit
Side can not understand the true credit situation of loaning bill user, if loaning bill user credit is problematic, easily cause loan bad credit, dead
Account；3rd, when loaning bill user's aged fail, it is big to demand difficulty.
At present, many lending mechanisms are investigated using traditional air control pattern, only add newly according to imperfect number according to statistics
Slope small-loan company bad credit rate can reach 5%-7%, bad credit rate height be due to the credit of loaning bill user is understood less than with
Understand it is insufficient caused by.Therefore it provides a kind of loaning bill is quick, reliable, real-time, risk assessment cost is low, it is low to demand cost
The debt-credit match system and its method of air control are realized based on network platform circle of friends credit, is that the wound of the present invention grinds motivation.
The content of the invention
It is an object of the invention to overcome the deficiencies of the prior art and provide a kind of quick, reliable, real-time, risk of borrowing money to comment
Estimate that cost is low, the low debt-credit match system and its method that air control is realized based on network platform circle of friends credit of demanding cost；It is logical
Individual bankroll demand, development individual credit system can be met by crossing this platform, and and can improves funds lying idle in society utilization rate.
A kind of debt-credit match system that air control is realized based on network platform circle of friends credit provided by the invention, its technical side
Case is：
A kind of debt-credit match system that air control is realized based on network platform circle of friends credit, including：
User registration module, user are registered in the network platform with circle of friends function；
User audits air control module, and the network platform audits checking in the user registration module in a manner of background audit
In chartered user profile, and form in a manner of electronic document the air control assessment report of relevant user assets；By registration
The user for auditing and having circle of friends user's credit of predetermined quantity can be issued as loaning bill user by loaning bill release module
Loan application, while can be used as investment user and invested by the network platform；Do not obtained by registration examination ＆ verification
The user of the circle of friends credit of predetermined quantity is only capable of being invested by the network platform；
Loaning bill release module, the loaning bill user of existing circle of friends user's credit, no more than the total credit volume obtained
Degree is lower or in the range of the certain proportion of the total accrediting amount obtained, has by loaning bill release module issue
The small amount loan application of more people's joint limited guaranty properties；
Module is brought in debt-credit together, for the loan application issued in the loaning bill release module, in the user's registration mould
By the user of registration in block, borrowed or lent money by the network platform in a manner of crowd raises according to the type of income distribution of agreement
Bring together；And
Dynamic credit module, the network platform according to the circle of friends credit number situation of change of the user, periodically or
Dynamically adjust and disclosure is carried out in the range of its circle of friends.
Preferably, according to the air control assessment report audited in user formed in air control module, the network platform is by pre-
Fixed ratio assigns user's highest can the accrediting amount.
Preferably, each other users of the loaning bill user out of its circle of friends user scope, only obtain less than spy
The credit of quota degree.
Preferably, when loaning bill user aged fail is refunded, the network platform is overdue also to credit guarantor transmission loaning bill user
Money information, loaning bill user is supervised to refund with social pressure；If loaning bill user does not still refund, then credit guarantor is according to awarding
The amount of letter guarantee undertakes Limited Liability in proportion.
Preferably, the network platform is App platforms or Web platforms；Circle of friends user includes personal registered user, enterprise
Industry registered user externally responsible public organization user any or can appoint several.
Preferably, the match system also includes credit guarantee module, and it is good that the credit guarantee module includes the network platform
Mutual credit module between friend.
Preferably, the loaning bill user needs multiple circle of friends user credits, the loaning bill amount and circle of friends of loaning bill user
The number direct proportionality of credit.
Preferably, the loaning bill user needs circle of friends user's credit of more than three.
Preferably, user audit air control module to the authenticity of registered user's identity, social ring layer, home background, individual/
Enterprise's reference and Assets are audited.
Present invention also offers a kind of debt-credit payroll management method that air control is realized based on network platform circle of friends credit, bag
Include following steps：
1), user is registered in the network platform with circle of friends function, and obtains predetermined quantity in the network platform
The credit of certain number given of circle of friends user, turn into the user that can borrow money；The network platform is in a manner of background audit to registration
User is audited, and electronically forms the air control assessment report of relevant user assets；
2), loaning bill user issues loan application by the network platform, and amount issued is no more than the obtained accrediting amount
Or only exceed the certain proportion of the obtained accrediting amount；
3), the network platform issues loan application in loaning bill release module, by registration in user registration module
User, invested by the network platform in a manner of crowd raises according to the type of income distribution of agreement；
4) completion module of, raising money, which raises money crowd, is issued to loaning bill user, if loaning bill user aged fail is refunded, network is put down
Platform sends the overdue refund information of loaning bill user to credit guarantor, supervises loaning bill user to refund with social pressure；Used if borrowed money
Still do not refund at family, then the amount that credit guarantor assures according to credit undertakes Limited Liability in proportion.
The implementation of the present invention includes following technique effect：
The debt-credit match system provided by the invention that air control is realized based on network platform circle of friends credit, loan generation
Before, quick, reliable, real-time, inexpensive risk assessment can be realized；Once breaking a contract, friend is most understanding loaning bill user
One of colony of personal credit situation, match system pass through the multi-level mode of circle of friends various dimensions, netted association user and load
The information of guarantor, the circle of friends for recycling the network platform to safeguard form social pressure, promote loaning bill user to complete to refund；It can subtract
Cost is demanded in the loss of light investor, reduction；Loaning bill user is monitored in real time by the way that circle of friends accrediting amount change dynamic is accurate
Creditworthiness；The big data (dynamic credit investigation system) of dynamic credit may finally be formed.
It is existing by the financial situation of manual review loaning bill user, manually loaning bill user context is investigated and some are public
The credit inquiry method that its people's reference information is transferred in website is opened, effectively air control in real time can not be accomplished, be familiar with borrowing money without the image of Buddha and use
The credit situation of loaning bill user is equally recognized by the colony (relatives, friend, business partner) at family.The match system of the present invention passes through
The data of system are analyzed, accomplishes to save the manual steps time, can be linked with credit investigation system, greatly improve essential information
The degree of accuracy, form circle of friends credit using the advantage of internet, operation readiness can carry out dynamic air control, form social pressure
Power.
Brief description of the drawings
Fig. 1 realizes that the debt-credit match system module of air control is shown for the embodiment of the present invention based on network platform circle of friends credit
It is intended to.
Fig. 2 is that the small amount by taking APP as an example of the embodiment of the present invention borrows or lends money match system operation chart.
Schematic diagram is assured in the credit that Fig. 3 is the registered user of the embodiment of the present invention.
Fig. 4 is the investment schematic diagram of the registered user of the embodiment of the present invention.
Embodiment
The present invention is described in detail below in conjunction with embodiment and accompanying drawing, it should be pointed out that described reality
Apply example and be intended merely to facilitate the understanding of the present invention, and do not play any restriction effect to it.
A kind of debt-credit match system that air control is realized based on network platform circle of friends credit of the present embodiment, is particularly suitable for use in
Small amount borrows or lends money field, and circle of friends refers to the registered users in the network platform and turns into the colony of good friend mutually.Referring to Fig. 1
Shown, match system includes：User registration module, user are audited air control module, dynamic credit module, loaning bill release module, borrowed
Loan, which is brought module together and raised money, completes module, and user is registered in the network platform with circle of friends function, by registering simultaneously
The user of circle of friends user's credit of existing predetermined quantity can pass through loaning bill release module as loaning bill user (i.e. VIP user)
Loan application is issued, while can be used as investment user and invested by the network platform；Do not obtained by registration examination ＆ verification
The user of the circle of friends credit of predetermined quantity is only capable of being invested by the network platform；Used it should be noted that borrowing money
The loaning bill amount at family and the number of circle of friends credit are preferably direct proportionality, i.e. the loaning bill number of loaning bill user is more, institute
The guarantee number needed is more, because the number of circle of friends credit is more, the social pressure of loaning bill user is bigger, and promise breaking is not refunded
Ratio it is lower, the present invention is according to risk assessment, and low volume is borrowed money the circle of friends user progress credit of preferably more than three, middle great number
The circle of friends user of loaning bill preferably more than five carries out credit, and those skilled in the art need to know, on the premise of the technical program,
The change of creative work need not be made still within protection scope of the present invention.In user audits air control module, the net
Network platform audits checking chartered user profile, and with electronics text in the user registration module in a manner of background audit
Shelves mode forms the air control assessment report of relevant user assets；(credit number is by net enough for acquisition in circle of friends user scope
Network platform is set) user of credit, one under no more than the accrediting amount obtained or beyond the accrediting amount obtained
In certainty ratio, pass through small amount loan application of the loaning bill release module issue with more people's joint limited guaranty properties；Obtained
The certain proportion of the accrediting amount can be enclosed according to the circle of friends credit situation, property situation, loaning bill user friend of loaning bill user and used
The property situation at family, set by means of situations such as refund history, such as the good person of terms and conditions can at most exceed what is obtained
The 50% of the accrediting amount；In module is brought in debt-credit together, for the loan application issued in loaning bill release module, in user's registration
By the user of registration in module, debt-credit pinch is carried out according to the type of income distribution of agreement in a manner of crowd raises by the network platform
Closing, in the present embodiment, the type of income distribution according to agreement can be the interest that loaning bill user pays 24%, and platform collects 9%,
Investor changes for 10% year, and other interest incomes may be used also as interest, type of income distribution such as risk guarantee gold and accrediting party's interests
Optionally to be set by the network platform or arranged in many ways；In dynamic credit module, the network platform is according to the circle of friends of user
Credit number situation of change, periodically or dynamically adjust and disclosure is carried out in the range of its circle of friends；Completion module of raising money is used for
Loaning bill and contract of guaranty are automatically generated, and provides loaning bill.During the overdue refund of loaning bill user, the network platform is sent to credit guarantor
The overdue refund information of loaning bill user, the amount that credit guarantor assures according to credit undertake Limited Liability in proportion.The network platform
Can be App platforms or Web platforms.It is stagnant that the match system that the present embodiment is limited overcomes the time caused by manual examination and verification
Property, untrue property that may be present and high Cost Problems afterwards；Reduce and demand cost, when breaking a contract, the very first time leads to
Know that correlation demands people, demand the acquaintance that people is loaning bill user, acquaintance be most understand loaning bill individual subscriber credit situation colony it
One, match system is by way of circle of friends various dimensions, the information of netted association user and accrediting party, recycles network platform dimension
The circle of friends of shield forms social pressure, promotes loaning bill user to complete to refund；The loss of investor can be mitigated, reduction is demanded into
This；The network platform can be with the credit situation of real-time dynamic monitoring loaning bill user, and when credit crisis occurs, accrediting party can be taken with a key
Disappear credit or the change accrediting amount, and indicating risk effect is played to investor；User runs up to certain amount, excellent using technology
Gesture, reference big data can be formed.In the social networks preparatory stage, mutual credit between user, also without guarantee relation；When by means of
Money user raises money finish after, the credit between friend is formed jural guarantee relation.
Preferably, according to the air control assessment report audited in user formed in air control module, the network platform is by predetermined
Ratio assigns user highest can the accrediting amount (refer to can altogether credit to other people amount).Bad user can be so limited to utilize
Improper credit come borrow great number provide a loan situation, further reduce bad credit rate.Loaning bill user is every out of its circle of friends user scope
Individual other users, only obtain the credit less than specific amount.Specifically, externally the amount of credit does not have lower limit, with some
The integral multiple of radix (such as 100) adds up, and the amount of external credit has the upper limit, such as the upper limit is everyone 10000 yuan of (people every time
People's coin) (network platform can freely be set).
Match system also includes credit guarantee module, and credit guarantee module includes the mutual credit between network platform good friend
Module.It should be noted that just can be with credit or by credit after registration.Credit guarantee module also includes addition good friend module, invited
Please good friend's module and can knowable people's recommending module.
According to the data of technical experiment, the bad credit rate of match system only has 0.1%.Initial stage has in the pattern that several people assure
Close beta is crossed, by the data analysis of more than 1000 loaning bill users, we count and drawn, the loaning bill of 500,000 or so amounts needs
More than 5 people guarantees are wanted to accomplish effectively to reduce bad credit, using the match system of the present invention, bad credit rate is similar competing less than market
Strive enterprise.Because circle of friends guarantee number is more, the social pressure formed is bigger.
Loaning bill release module includes borrowing balance setup module, loaning bill number of days setup module, year interest rate setup module, raised
Money time setup module, when issue loaning bill is asked, and choose simultaneously and read and agreed to《Borrowing agreements》.Loaning bill information is issued
Afterwards, registered users can be invested, and investment amount or free investment amount can be automatically selected in investment module, and
Choose simultaneously and read and agreed to《Borrowing agreements》.There is the present invention crowd to raise function, platform issue loaning bill information, and user can be with
Invested according to the credit situation of loaning bill user, if raising enough moneys, just borrow money and give loaning bill user, if not enough, borrowed
Money user can select to abandon, then even if failing to be sold at auction.Individual bankroll demand, development personal credit can be met by this platform
System, and can improve funds lying idle in society utilization rate.The network platform personal information interface module include I investment module,
My loaning bill module, my guarantee module, my billing module, my Profiling module, management bank's card module, intelligent bid mould
Block and balance amount information module, my Profiling module include Real Name/title, identification card number/Institution Code, phone number, battalion
The information such as industry license, work unit, post, mailing address, email address and social post.
Preferably, circle of friends user includes personal registered user, enterprises registration user or being capable of external responsible society
Understand any of corporate users or appoint several.User audits authenticity, social ring layer, family of the air control module to registered user's identity
Front yard situation, individual/enterprise's reference and Assets are audited.
By auditing the profile of accrediting party, the accrediting amount is no more than his income level, include house property, wages,
Share out bonus, such as external credit can be come with the standard of total assets 50%, if required to ensure that extremely low bad credit rate, what is proposed borrows
Money, at least need five friend's credits just to issue, otherwise can only be used as investor.In guarantee, guarantor has system
Prompting, if receive credit, and accept the risk, and agree to credit contract of guaranty simultaneously, no credit cannot borrow money.Borrowing money
Period can give the interest of credit man-yearization 3%, between multiple accrediting partys, interest proportional assignment.Can be with after credit
When borrow money, without informing accrediting party.
We go on to say the solution of the present invention by taking APP platforms as an example again, shown in Figure 4 referring to shown in Fig. 2 to Fig. 4,
User's Mr. Wang is registered in APP platforms first, is just started, Mr. Wang is no circle of friends credit, then Mr. Wang is only
It can be invested, if Mr. Wang never has borrowing demand, it is not necessary to it is required that accrediting party.It is shown in Figure 2, certainly
If Mr. Wang needs to borrow money, just necessarily require good friend to give certain credit volume, such as invite the friend of more than 3 as awarding
Believe people, the credit amount of money can be 10,000 or 50,000, then submit loan application, the background audit module of match system in APP platforms
Loaning bill user can be directed to and accrediting party is audited, examining content can be social ring layer, home background, enterprise/personal reference
And Assets, released news afterwards in APP platforms, then investor enters to rob to mark investment, and investment is driven to loaning bill user's branch
Pay 24% interest, platform collect 9% year change, remaining selection following items or one be allocated：Risk guarantee gold, in proportion
The accrediting party of Mr. Wang is given as interest, investment man-year and sponsor's intermediary fee.After the completion of raising money, APP platforms will raise money
Loaning bill user is paid out, after loaning bill expires, if loaning bill user fails to pay money on time, APP platforms will notify credit guarantor
To refund, remainder takes lawsuit to demand, and credit guarantor can actively supervise loaning bill user to refund, under the pressure of social pressure,
Loaning bill user also can actively refund, and reduce bad credit rate.Part, example shown in Figure 3 are assured on credit, Mr. Wang needs
Will will $600, the credit warranty claim of the network platform is that must have circle of friends credit guarantee ≥ $600, and Mr. Wang is invited afterwards
Please friend A, friend B, friend C and friend D difference credit guarantee $1000, friend E credits guarantee $2000, Mr. Wang just possesses
$6000 credit amount guaranteed.$600 is invested Mr. Wang by several investors in proportion.If Mr. Wang aged fail,
Friend A, friend B, friend friend C D and friend E undertake Limited Liability, specially friend A, friend B, friend C and friend in proportion
D Cheng Dan $100, friend's E Cheng Dans $200 respectively.
Therefore, the present invention is to be after market and demand is understood in depth, making an innovative debt-credit and bring together
System, we assure method effectively to reduce the risk of bad credit with the more people of the friend of Limited Liability.
The present inventionization provides a kind of above-mentioned debt-credit payroll management that air control is realized based on network platform circle of friends credit
Method, comprise the following steps：
1), user is registered in the network platform with circle of friends function, and obtains predetermined quantity in the network platform
Circle of friends user give the credits of enough numbers, turn into the user that can borrow money；The network platform is used registration in a manner of background audit
Family is audited, and electronically forms the air control assessment report of relevant user assets；It should be noted that loaning bill user
Loaning bill amount and the number of circle of friends credit are preferably direct proportionality, i.e. the loaning bill number of loaning bill user is more, required
Guarantee number it is more because the number of circle of friends credit is more, the social pressure of loaning bill user is bigger, the ratio do not refunded of breaking a contract
Example is lower, and the present invention carries out credit according to risk assessment, the circle of friends user of low volume loaning bill preferably more than three, and middle great number is borrowed money
It is preferred that the circle of friends user of more than five carries out credit.By NULL, the circle of friends user of more than five carries out credit, just
Extremely low bad credit rate can be realized；
2), loaning bill user issues loan application by the network platform, amount issued be no more than the obtained accrediting amount or
Only exceed the certain proportion of the obtained accrediting amount；
3), the network platform issues loan application in loaning bill release module, by the use of registration in user registration module
Family, invested by the network platform in a manner of crowd raises according to the type of income distribution of agreement；
4) completion module of, raising money, which raises money crowd, is issued to loaning bill user, if loaning bill user aged fail is refunded, network is put down
Platform sends the overdue refund information of loaning bill user to credit guarantor, supervises loaning bill user to refund with social pressure；Used if borrowed money
Still do not refund at family, then the amount that credit guarantor assures according to credit undertakes Limited Liability in proportion.
The present invention debt-credit payroll management method be based on more friend's people credits carry out risk assessment, and by friend it
Between social pressure promote accommodator refund method (by App or Web).
Above-mentioned limited small amount debt-credit payroll management method, has following technique effect：
1), the unique more friend's people credit risk Evaluation Platforms of the present embodiment are in the beginning of loan application, in mesa-shaped
Into certain amount of the mutual credit of circle of friends network；
2), start in credit, platform can carry out the circle of friends guarantee number change of periodically push loaning bill user, prompt investment
Which loaning bill user of people is increased or decreased by guarantee amount；
3), when loaning bill comes into force, limited small amount responsibility guarantee in proportion is carried out to the amount of credit automatically by friends；
4), when breaking a contract overdue generation, APP can be sent and borrowed money by the facility of network by App platforms to guarantor
User profile, carry out social pressure and demand, efficiency is demanded in raising, is reduced and is demanded cost；
5) certain magnitude, is had reached, platform user forms database, the personal reference situation of Dynamic Announce, it is contemplated that accurate
Exactness is higher than traditional credit investigation system.
Finally it should be noted that the above embodiments are merely illustrative of the technical solutions of the present invention, rather than the present invention is protected
The limitation of scope is protected, although being explained with reference to preferred embodiment to the present invention, one of ordinary skill in the art should
Work as understanding, technical scheme can be modified or equivalent substitution, without departing from the reality of technical solution of the present invention
Matter and scope.
Claims (10)
- A kind of 1. debt-credit match system that air control is realized based on network platform circle of friends credit, it is characterised in that including：User registration module, user are registered in the network platform with circle of friends function；User audits air control module, and the network platform is audited in a manner of background audit to be verified in the user registration module Chartered user profile, and form in a manner of electronic document the air control assessment report of relevant user assets；Audited by registration And the user for having circle of friends user's credit of predetermined quantity can be used as loaning bill user to issue loaning bill by loaning bill release module Application, while can be used as investment user and invested by the network platform；Do not made a reservation for by registration examination ＆ verification The user of the circle of friends credit of quantity is only capable of being invested by the network platform；Loaning bill release module, the loaning bill user of existing circle of friends user's credit, under no more than the total accrediting amount obtained Or in the range of the certain proportion of the total accrediting amount obtained, there are more people by loaning bill release module issue The small amount loan application of joint limited guaranty property；Module is brought in debt-credit together, for the loan application issued in the loaning bill release module, in the user registration module By the user of registration, debt-credit pinch is carried out according to the type of income distribution of agreement in a manner of crowd raises by the network platform Close；AndDynamic credit module, the network platform according to the circle of friends credit of the user assure number situation of change, periodically or Dynamically adjust and disclosure is carried out in the range of its circle of friends.
- 2. the debt-credit match system according to claim 1 that air control is realized based on network platform circle of friends credit, its feature It is：According to the air control assessment report audited in user formed in air control module, the network platform is assigned by predetermined ratio Give user's highest can the accrediting amount.
- 3. the debt-credit match system according to claim 1 that air control is realized based on network platform circle of friends credit, its feature It is：Each other users of the loaning bill user out of its circle of friends user scope, only obtain awarding less than specific amount Letter.
- 4. the debt-credit match system according to claim 1 that air control is realized based on network platform circle of friends credit, its feature It is：When loaning bill user aged fail is refunded, the network platform sends the overdue refund information of loaning bill user to credit guarantor, uses society Pressure is handed over to supervise loaning bill user to refund；If loaning bill user does not still refund, then the volume that credit guarantor assures according to credit Degree undertakes Limited Liability in proportion.
- 5. the debt-credit match system according to claim 1 that air control is realized based on network platform circle of friends credit, its feature It is：The network platform is App platforms or Web platforms；Circle of friends user includes personal registered user, enterprises registration user Or externally responsible public organization user any or it can appoint several.
- 6. the debt-credit match system according to claim 1 that air control is realized based on network platform circle of friends credit, its feature It is：The match system also includes credit guarantee module, and the credit guarantee module is including mutual between network platform good friend Phase credit module.
- 7. according to any described debt-credit match systems that air control is realized based on network platform circle of friends credit of claim 1-6, It is characterized in that：The loaning bill user needs multiple circle of friends user credits, loaning bill amount and the circle of friends credit of loaning bill user Number direct proportionality.
- 8. the debt-credit match system according to claim 7 that air control is realized based on network platform circle of friends credit, its feature It is：The loaning bill user needs circle of friends user's credit of more than three.
- 9. the debt-credit match system according to claim 1 that air control is realized based on network platform circle of friends credit, its feature It is：User audit air control module to the authenticity of registered user's identity, social ring layer, home background, individual/enterprise's reference and Assets are audited.
- A kind of 10. debt-credit payroll management method that air control is realized based on network platform circle of friends credit, it is characterised in that including with Lower step：1), user is registered in the network platform with circle of friends function, and obtains the friend of predetermined quantity in the network platform The credit for certain number that friend circle user gives, turns into the user that can borrow money；The network platform is in a manner of background audit to registered user Audited, and electronically form the air control assessment report of relevant user assets；2), loaning bill user issues loan application by the network platform, amount issued be no more than the obtained accrediting amount or Only exceed the certain proportion of the obtained accrediting amount；3), the network platform issues loan application in loaning bill release module, by registration examination ＆ verification in user registration module User, invested by the network platform in a manner of crowd raises according to the type of income distribution of agreement；4), raise money and complete module and crowd raises money is issued to loaning bill user, if loaning bill user aged fail is refunded, the network platform to Credit guarantor sends the overdue refund information of loaning bill user, supervises loaning bill user to refund with social pressure；If loaning bill user is also It is not refund, then the amount that credit guarantor assures according to credit undertakes Limited Liability in proportion.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711193372.0A CN107871281A (en) | 2017-11-24 | 2017-11-24 | The debt-credit match system and method for air control are realized based on network platform circle of friends credit |
| TW106145823A TWI652642B (en) | 2017-11-24 | 2017-12-26 | Lending and matching system based on network platform friend circle credit risk control and lending management method |
| PCT/CN2018/074040 WO2019100581A1 (en) | 2017-11-24 | 2018-01-24 | Borrowing and lending matching system and method for implementing risk control based on network platform friendship circle credit |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711193372.0A CN107871281A (en) | 2017-11-24 | 2017-11-24 | The debt-credit match system and method for air control are realized based on network platform circle of friends credit |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107871281A true CN107871281A (en) | 2018-04-03 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711193372.0A Withdrawn CN107871281A (en) | 2017-11-24 | 2017-11-24 | The debt-credit match system and method for air control are realized based on network platform circle of friends credit |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN107871281A (en) |
| TW (1) | TWI652642B (en) |
| WO (1) | WO2019100581A1 (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108830708A (en) * | 2018-06-28 | 2018-11-16 | 深圳市有钱科技有限公司 | A kind of fund shared system based on immediate communication tool |
| CN108921687A (en) * | 2018-06-28 | 2018-11-30 | 深圳市有钱科技有限公司 | A kind of stranger's loaning bill system based on immediate communication tool data |
| CN109615505A (en) * | 2018-11-15 | 2019-04-12 | 钟杰东 | The shared credit management system of individual and its management method |
| CN109801155A (en) * | 2018-12-14 | 2019-05-24 | 深圳壹账通智能科技有限公司 | It makes loans verification method, device and the computer equipment of interface |
| CN110009472A (en) * | 2018-11-30 | 2019-07-12 | 阿里巴巴集团控股有限公司 | A kind of assets object method for splitting and device |
| CN110111195A (en) * | 2019-04-04 | 2019-08-09 | 平安科技（深圳）有限公司 | Funds on account collection method and device, electronic equipment based on data analysis |
| CN110163515A (en) * | 2019-05-27 | 2019-08-23 | 苏州嘉展科技有限公司 | A kind of medical emergency salvage system and method based on internet platform application |
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| CN111080431A (en) * | 2018-10-22 | 2020-04-28 | 嘉兴市友贷金融信息服务有限公司 | Many-to-one lender representative determination system and method for real estate network lending |
| CN111899012A (en) * | 2018-10-26 | 2020-11-06 | 创新先进技术有限公司 | Remittance method and device based on block chain |
| CN112153476A (en) * | 2020-09-22 | 2020-12-29 | 游艺星际(北京)科技有限公司 | Interactive data processing method and device, server and storage medium |
| CN112686734A (en) * | 2021-01-07 | 2021-04-20 | 支付宝(杭州)信息技术有限公司 | Credit service providing method, device and equipment |
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| CN104715415A (en) * | 2013-12-13 | 2015-06-17 | 徐国良 | Loan Matching Platform System |
| CN104966229A (en) * | 2014-12-30 | 2015-10-07 | 腾讯科技（深圳）有限公司 | Information processing method and credit platform |
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| CN108921687A (en) * | 2018-06-28 | 2018-11-30 | 深圳市有钱科技有限公司 | A kind of stranger's loaning bill system based on immediate communication tool data |
| CN108830708A (en) * | 2018-06-28 | 2018-11-16 | 深圳市有钱科技有限公司 | A kind of fund shared system based on immediate communication tool |
| CN111080431A (en) * | 2018-10-22 | 2020-04-28 | 嘉兴市友贷金融信息服务有限公司 | Many-to-one lender representative determination system and method for real estate network lending |
| CN111899012B (en) * | 2018-10-26 | 2024-04-05 | 创新先进技术有限公司 | Block chain-based money transfer method and device |
| CN111899012A (en) * | 2018-10-26 | 2020-11-06 | 创新先进技术有限公司 | Remittance method and device based on block chain |
| CN109615505A (en) * | 2018-11-15 | 2019-04-12 | 钟杰东 | The shared credit management system of individual and its management method |
| CN110009472A (en) * | 2018-11-30 | 2019-07-12 | 阿里巴巴集团控股有限公司 | A kind of assets object method for splitting and device |
| CN110009472B (en) * | 2018-11-30 | 2024-06-04 | 创新先进技术有限公司 | Asset object splitting method and device |
| CN109801155A (en) * | 2018-12-14 | 2019-05-24 | 深圳壹账通智能科技有限公司 | It makes loans verification method, device and the computer equipment of interface |
| CN110111195A (en) * | 2019-04-04 | 2019-08-09 | 平安科技（深圳）有限公司 | Funds on account collection method and device, electronic equipment based on data analysis |
| CN110163515A (en) * | 2019-05-27 | 2019-08-23 | 苏州嘉展科技有限公司 | A kind of medical emergency salvage system and method based on internet platform application |
| CN110866822A (en) * | 2019-11-14 | 2020-03-06 | 腾讯科技（深圳）有限公司 | Wind control management method and device for securitization of assets, electronic equipment and storage medium |
| CN110866822B (en) * | 2019-11-14 | 2023-04-18 | 腾讯科技（深圳）有限公司 | Wind control management method and device for securitization of assets, electronic equipment and storage medium |
| CN112153476A (en) * | 2020-09-22 | 2020-12-29 | 游艺星际(北京)科技有限公司 | Interactive data processing method and device, server and storage medium |
| CN112686734A (en) * | 2021-01-07 | 2021-04-20 | 支付宝(杭州)信息技术有限公司 | Credit service providing method, device and equipment |
Also Published As
| Publication number | Publication date |
|---|---|
| TW201926208A (en) | 2019-07-01 |
| TWI652642B (en) | 2019-03-01 |
| WO2019100581A1 (en) | 2019-05-31 |
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