CN108154441A - A kind of financing comprehensive service platform and method - Google Patents
A kind of financing comprehensive service platform and method Download PDFInfo
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- CN108154441A CN108154441A CN201810037184.7A CN201810037184A CN108154441A CN 108154441 A CN108154441 A CN 108154441A CN 201810037184 A CN201810037184 A CN 201810037184A CN 108154441 A CN108154441 A CN 108154441A
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Abstract
The invention belongs to internet financial technology fields, a kind of financing comprehensive service platform proposed, including the server being all connected with financing end, investment end, information promulgating platform is set in server, project registers capital to platform, information security audit platform, rebating platform and profit dividend platform, information promulgating platform issue financing project data for financier；Project registers capital to platform and selects financing project for investor and register capital to；Information security audit platform audits investor and financier's identity and data authenticity for service platform manager；After rebating platform is for project financing success of financing, financier registers capital to the amount of money according to investor and feeds back a certain proportion of feedback object to it；Financier shares out bonus to investor at the end of profit dividend platform is used for financing project.Also propose a kind of financing synthetic service method.Present inventive concept is ingenious, solves the platform for lacking in the market integrated service is carried out for financing project in the prior art, causes the technical issues of vast resources wastes.
Description
Technical field
The invention belongs to internet financial technology fields, are related to a kind of financing comprehensive service platform and method.
Background technology
As the product that information network technique is combined with modern finance, the appearance of network finance will be to the gold of China's current
Melt organizational framework and form strong impact, the difference division of labor of different financial institution will be desalinated increasingly, and mixed operation will become one kind
Inevitable development direction, financial regulatory system will also face the problem of new and challenge.
The global businesses revolution and operation revolution that e-commerce causes, imply that the whole world is undergoing from traditional economy to number
The Important Change period of word economy transfer.Along with the development of the network finances business such as Web bank, online securities, global economy
Integration and the process of Financial Integration are gradually accelerated.
It is pointed out according to famous American Zhong Chou research institutions Massolution research reports, the total fund raised in the whole world in 2013 is
Up to 5,100,000,000 dollars, wherein 90% concentrates on European ＆ American Market.It is beautiful that World Bank's report more predicts that total amount in 2025 will break through 96,000,000,000
Member, Asia accounting will substantially grow up.
Raising people's wound consulting statistics under family according to crowd, (it is that crowd raises house that Pekinese, which creates Advisory Co., Ltd's (referred to as " consulting of people's wound "),
Under brand, be dedicated to making the most professional and with strongest influence power internet Financial Research of China, venture capital investment training, mutual
The financial legal services of networking), from 2011 in by the end of June, 2017, the service platform of all normal operations of reaching the standard grade in the whole nation is real
Border crowd raises only just 110.16 hundred million yuan of volume.Should be reached by analyzing according to another moneyman and predicting crowd in 2025 and raise the amount of money by 250,000,000,000 yuan
To 350,000,000,000 yuan.
Crowd raises current and following has a wide prospect, but current lacking in the market raises project for crowd and carry out integrated service
Platform, cause vast resources waste.
Invention content
The present invention proposes a kind of financing comprehensive service platform and method, solves in the market to lack in the prior art and be raised for crowd
Project carries out the platform of integrated service, causes the technical issues of vast resources wastes.
The technical proposal of the invention is realized in this way：
A kind of financing comprehensive service platform including the server being all connected with financing end, investment end, is set in the server
Information promulgating platform, project register capital to platform, information security audit platform, rebating platform and profit dividend platform,
Described information distribution platform issues financing project data for financier；
The project registers capital to platform and selects financing project for investor and register capital to；
Described information security audit platform for the comprehensive service platform manager that finances to investor and financier's identity and
The authenticity of data is audited；
After the rebating platform is for project financing success of financing, financier registers capital to the amount of money according to investor and feeds back one to it
The feedback object of certainty ratio, feedback object include cash, consumption voucher or commodity；
Financier shares out bonus to investor at the end of the profit dividend platform is used for financing project.
As further technical solution, resource circulation platform is additionally provided in the server, the resource circulation is flat
Platform is used for the circulation of resource in each financier, investment human hand.
As further technical solution, resource circulation platform includes cashing platform, exchanging platform, snap up platform and
Easy object platform,
The consumption voucher received is carried out change cash and carry sales by the realization platform for investor,
The feedback commodity received and other investors are carried out equal value exchange by the exchanging platform for investor,
The platform that snaps up is for the consumption voucher or commodity in agent at a low price purchase investment human hand, then its price difference is become
It is existing,
Raw material exchange between the easy object platform is used for each financier.
As further technical solution, Risk-recovery platform is additionally provided in the server, the Risk-recovery is put down
The property loss risk of investor and financier when platform is for defending financing project failure.
A kind of financing synthetic service method, includes the following steps：
Information is issued：By described information distribution platform, the publication project on the financing comprehensive service platform provides financier
Material, it is described financing comprehensive service platform manager by described information security audit platform to financier's identity and publication data into
It is externally announced after row audit；
Investor registers capital to：Investor registers capital to platform by the project, selects public on the financing comprehensive service platform
Cloth and the financing project financed, and registered capital to；
Feedback：Investor invests and finances after project financing success, and financier registers capital to the amount of money according to investor's, by described
Rebating platform feeds back a certain proportion of feedback object to it；
Share out bonus：After the financing project that investor registers capital to terminates operation on schedule, financier is given by the profit dividend platform
Investor shares out bonus；
Wherein, feedback object includes cash, consumption voucher or commodity.
As further technical solution, further include financier's resource and exchange step：During financier finances or after success,
Resource exchange can be carried out on service platform by the easy object platform and other financiers.
As further technical solution, further include feedback logistics and go to step：Investor can be directly to after obtaining consumption voucher
It is consumed at financier；Also can sale realization be carried out by the realization platform；The exchanging platform and other can also be passed through
Investor exchanges into row equivalent or is undersold by the platform that snaps up to agent, is gone out by agent
It sells.
As further technical solution, risk prevention step is further included：Financing project to be financed is sent out in described information
After being announced on cloth platform, service platform manager contacts insurance company by the Risk-recovery platform and financing project is thrown
It protects, financing project is not made a profit finally is settled a claim by insurance company.
It uses principle of the present invention and has the beneficial effect that：
Financing comprehensive service platform (hereinafter referred to as service platform) proposed by the invention and method can seek each
The enterprise (or businessman) of profit, partner, investor, consumer is asked to bring together and obtain more profits and return together, is passed through
Material barter system (platform of bartering) reduces the operating cost of enterprise, businessman etc..Investor is disappeared by resource circulation platform realization
Take transfer, realization and the exchange of certificate and commodity, realize that the commodity value under market economy times maximizes.Pass through service platform reality
Existing strange land is bartered, transfers the possession of, is cashed, and forms the high-quality cycle of small-sized social economy's body.
Wherein, information security audit platform can be completed by third party's information security mechanism, and service platform will invest human hand
Machine number, user's basic document, financing information (electronics volume denomination, present, the term of validity) provide hardware with third party security firm and add
Close mode is transmitted to transaction platform, after transaction platform performs corresponding business function processing by hardware decoding, re-encrypts notice
Service platform has been received by information, if there is any interruption in transmission process in encryption process, service platform can receive message and not reach
To notice.To ensure the safety of services platform user data.
Service platform and method advantage proposed by the invention is as follows：
1st, enterprise, businessman can realize same city, strange land raw material equivalent replacement by service platform, reduce enterprise operation into
This, improves utilization rate of raw materials；
2nd, enterprise can improve exposure rate by service platform, and enterprise popularity improves financing success rate；
3rd, investor can realize consumption voucher by service platform, feedback commodity transfer, cash, and promote feedback value, reduce
Investment risk；
4th, transaction diversification：It cashes platform and realizes that consumption voucher transfer is cashed；Exchanging platform disappears between realizing different investors
Take the exchange of certificate, improve consumption voucher utilization rate；The platform that snaps up forms commodity transaction circle, and commodity price difference is carried out to estimate performance, real
Existing commodity are bought easily to go out, and realize commodity price difference profit；Easy object platform realizes that product is exchanged with raw material, reduces enterprise operation
Cost.
5th, third party's merchant transaction is supported：Since the certificate that returns of third-party platform businessman is only capable of being confined to the platform consumption of itself
With using, can not cross-platform transaction cash or exchange, service platform proposed by the invention provide one it is open, possess it is more,
The platform service of more flexible service mode makes the businessman of third-party platform return certificate and submits easy realization in our platform in third party
Or exchange, so as to improve the flexibility ratio of platform.
Service platform and method proposed by the invention passes through during driving financing enterprise and investor's generation financing behavior
The rebating (consumption voucher or commodity) of generation is accelerated consumption, by the transfer of consumption voucher, realization, exchange, is realized as circulation commodity
Commodity value under market economy times maximizes.Can also be realized by this service platform barter with city and strange land barter, consume,
It transfers the possession of, cash, form the high-quality cycle of small-sized social economy's body.Part is invested to the consumption voucher being detained in human hand and puts into city again
, market economy is formed, promotes circulation, while realized for investor and cash feedback.Exchange is realized in dynamic, is exchanged
The principle of equivalent exchange is carried out, the principle of equivalent exchange requirement commodity value reflects the variation of supply-demand relationship again.This platform relies on strong
Big internet economy promotes the formation exchanged.For macroscopically, the mobility of social economy is realized, promotes article stream
It is logical；For microcosmic go up, the second-circulation that investor is detained article is realized, reduces investor's investment risk, raising is invested back
Report.
Wherein, it cashes platform (being also referred to as flea platform) and has broken financing project strange land financing and long-distance consuming limitation
Property, when investor obtained after financing project the consumption voucher of the 10%-25% to gift but can not long-distance consuming use be difficult to
In use, realization can be sold to be less than market price on platform is cashed, so as to which investor be made to directly acquire profit, increase investment
People's is benefited indirectly, the investment enthusiasm of investor is improved, so as to accelerate and improve the financing progress of financing project.Exchanging platform
(being also referred to as shell platform) can be completed with power-assisted：It of equal value can exchange to same city；Of equal value it can exchange different articles；It can wait
Valency exchanges other cities feedback certificate；I.e. power-assisted is completed any equal value exchange behavior for contributing to consumption by exchanging platform.
The platform power-assisted that snaps up is eager to cash in investor, but can not realize and design in a short time.When certain commodity exists
Flea platform, which can not be realized, quickly becomes current, can at a low price be cashed by the platform that snaps up, the platform that snaps up will be purchased first at a low price to certainly
Body store is sold and therefrom makes a profit when having user or the market demand, then to be higher than procurement price.Meanwhile the platform that snaps up can also incite somebody to action
The commodity of purchase are positioned over the enterprising row equivalent of shell platform and exchange, to meet different types of user demand, so as to earn a profit.
Easy object platform (being also referred to as flying bird platform) aims at the businessman's design for participating in financing, the best air control of businessman be for
Enterprise getting profit.Sale, cost, management are three big elements of profit.Terminate not fail also but to bring enough consumers when businessman finances
When, easy object platform will be that such businessman persistently exchanges the second class consumer for by consumption voucher, and so-called second class consumer, is quotient
The raw material supplier of family.After supplier exchanges the consumption voucher of businessman for, can be cashed, exchange its required article and consumption make
With.Enterprise can vitalize stock, extension Sales Channel and reduce operating cost, and on this basis through a barter transaction,
Enterprise is added in obtain more wide market environment, more easily manage information and the wealth chance of more horn of plenty.Its
In experiential marketing feature of bartering be：Often, amount is small for displacement, is suitble to agent dealer.It barters marketing characteristics：Wholesale
Degree, products in circulation are fast, are suitble to the type enterprises that market one's own products such as producer.
Service platform and method proposed by the invention efficiently solve existing market pain spot (such as investor obtain return
Profit is only limitted to certain trade company or somewhere uses；It is insufficient that trade company enters finance company's quantity, it is impossible to fully expand finance company's industry
Business；Public pair of cognition degree is low, also has larger impact to financing environment；Investor can only throw known place, strange land investor
Feedback can not be used；Neither one third party makes realization of production and the circulation of feedback), specification financing transaction market ensure that
The sound development in market.
At the same time, applicant using service platform proposed by the invention and method also to carrying out generated benefit of financing
Detailed analysis is carried out, concrete analysis is as follows：
1st, investor's return analysis
1.1 financier's return analyses
(1) by taking the eating and drinking establishment of dining room as an example, 1,000,000 yuan of the amount of money of financing, 100 people investment, investment amount is 10,000 yuan per capita；100
Ten thousand return coin as 330,000 yuan, about 33% (return cash 5-8%+ return A volumes of coin 10%+ return B volumes of coin 15%), 3300 yuan of everyone rebating, often
Secondary consumption 200 yuan (3 people), it is annual to consume about 12-16 times, to the new visitor that 1200-1600 person-times (100 people * 16 times) is brought in shop
Family.1000000 can reinvest a new shop, can be with re -financing.
(2) by taking hotel accommodations as an example, 1,000,000 yuan of the amount of money of financing, 100 people investment, investment amount is 10,000 yuan per capita；1000000
Coin is returned as 330,000 yuan, about 33% (returns cash 5-8%, every room consumes 200 yuan and returns A volume coin 10% and opens B volumes of coin of room certificates+return for 5
15% is 200/15=8 room certificates), 3300 yuan of everyone rebating.
1.2 investor's return analyses
By taking the eating and drinking establishment of dining room as an example：10,000 yuan are put into, year feedback is worth 3300 yuan of Securities, and 33% (consumes 200 yuan every time and returns A volumes
18% for 200/18 about 11 meal coupon+return B volumes 15% is 200/15 about 13 meal coupon), (3300 yuan of certificate/12 of monthly benefits 2.75%
A month), half annual earnings 16.50%, than current Chongqing bank half a year deposit rate 3.08% (the interest rate highest in banking) height
Go out 13.42% value.
By taking hotel accommodations as an example：10,000 yuan are put into, 3300 yuan of annual earnings, 33% (returns cash 5-8%, every room consumption 200
It is 200/15 about 13 room certificate that member, which returns A volumes of coin 18% as 200/10 about 11 room certificate+return B volumes of coin 15%), monthly benefits 2.75%
(3300 yuan of certificate/12 month).
2nd, the benefit that financing is brought
Expand production scale of enterprise, the competitiveness solve capital turnover, increase sales vigor, improving Enterprise Sustainable；
It solves the problems, such as Corporate finance, reduces the debt ratio and fund cost of enterprise；The expense of object solution enterprise purchase raw material is changed with object
With expenditure；Realize the two-win of investment and consumption；Increase common people's income, improve common people's consuming capacity；Establish personal good social activity
Relationship, help realize " fund raising source ", " raising human connection ", " consider to find a solution and think " target.
3rd, Social Return Measurement performance analysis
Batchs of new type enterprises has been hatched for local and entire society；It increases taxes, increase for local government
Job adds vigor for local economy；Social destabilizing factor caused by solving civil risk usurious；Alleviate silver
The pressure of row loan, government-funded；The mobility of non-governmental capital fund is increased, has driven the flowing of entire society's fund.
Description of the drawings
The present invention will be further described in detail below with reference to the accompanying drawings and specific embodiments.
Fig. 1 is schematic structural view of the invention；
In figure：1- financings end, 2- investments end, 3- servers, 4- information promulgating platforms, 5- projects register capital to platform, 6- information
Security audit platform, 7- rebating platforms, 9- resources circulation platform, 91- cash platform, 92- exchanging platforms, and 93- snaps up platform,
The easy object platforms of 94-, 10- profit dividend platforms, 12- Risk-recovery platforms.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art are obtained every other without making creative work
Embodiment shall fall within the protection scope of the present invention.
As shown in Figure 1, a kind of financing comprehensive service platform proposed by the present invention, including connecting with financing end 1, investment end 2
The server 3 connect sets information promulgating platform 4 in server 3, project registers capital to platform 5, information security audit platform 6, rebating platform
7 and profit dividend platform 10,
Information promulgating platform 4 issues financing project data for financier；
Project registers capital to platform 5 and selects financing project for investor and register capital to；
Information security audit platform 6 is used to finance comprehensive service platform manager to investor and financier's identity and data
Authenticity audited；
After rebating platform 7 is for project financing success of financing, financier registers capital to the amount of money according to investor and is fed back centainly to it
The feedback object of ratio, feedback object include cash, consumption voucher or commodity；
Financier shares out bonus to investor at the end of profit dividend platform 10 is used for financing project.
Existing service platform in the market is carried out through us largely to analyze, is studied, find service platform there are the problem of
For：
A, Legal Regulation system is not perfect, and industry is still in the state of " no threshold, without professional standard, without supervision "；
B, rules and regulations are still unsound, and the current Credit Environment in China is poor easily to generate problem of credit risk, is particularly present
Larger Bounced check risk；
C, for reward class financing, supporter faces huge Bounced check risk；
D, it is public low to the cognition degree of financing, also there is larger impact to financing difficulty；
E, the return of financing is not gold and silver (but more meaningful and value)；
F, the scarcity of domestic intellectual property protection allows fund-raiser to lack the sense of security；
G, share out bonus indefinite；
H, it will not finance and sale combines together；
I, financier and investor can not mutual assistances；
J, investor can only throw known place, and strange land investor can not use feedback；
K, investment product is single, and limitation is larger；
L, neither one third-party platform makes realization of production and the circulation of feedback.
Based on the above problem, the present invention proposes a kind of financing comprehensive service platform, and financier passes through end 1 of financing during use
It is communicated with server 3, project publication is carried out on service platform by information promulgating platform 4, investor is noted by project
Money platform 5 selection intention financing project is registered capital to, and service platform manager audits platform 6 to the investment person by information security
Part, financier's identity and submitted data authenticity audited, after financing successfully, financier is by rebating platform 7 to investment
People carries out feedback (feedback commodity, consumption voucher, cash are registered capital to amount of money certain proportion according to investor and carried out), treats financing project on schedule
After, financier is shared out bonus according to itself profit situation by profit dividend platform 10 to investor.
Service platform set by the present invention is changed after the completion of traditional services platform investor can only wait for financing project
The natural mode of income could be obtained, a part of rebating can be obtained after financing project financing success, rebating includes consumption
Certificate, investor can directly go financier to be consumed after taking consumption voucher, and then push the operating of financing project, this setting was both
It ensure that the interests of investor, avoid the long-term of its substantial contribution and pledge, and pushed the development of financing project, be financier
Interests are brought, meet its demand for development, setting is scientific and reasonable.
Wherein, information security audit platform 6 can be completed by third party's information security mechanism, and service platform will invest human hand
Machine number, user's basic document, financing information (electronics volume denomination, present, the term of validity) provide hardware with third party security firm and add
Close mode is transmitted to transaction platform, after transaction platform performs corresponding business function processing by hardware decoding, re-encrypts notice
Service platform has been received by information, if there is any interruption in transmission process in encryption process, service platform can receive message and not reach
To notice.To ensure the safety of services platform user data.
Further, resource circulation platform 9 is additionally provided in server 3, for the stream of resource in each financier, investment human hand
Turn.
The setting of resource circulation platform 9, which realizes, carries out goods and materials (including disappearing between each financier, investor on service platform
Take certificate, commodity, raw material etc.) it exchanges, it realizes resource circulation, avoids the wasting of resources.
Further, resource circulation platform 9 includes realization platform 91, exchanging platform 92, snap up platform 93 and easy object platform 94,
It cashes platform 91 and the consumption voucher received is subjected to change cash and carry sales for investor,
The feedback commodity received and other investors are carried out equal value exchange by exchanging platform 92 for investor,
The platform 93 that snaps up is for the consumption voucher or commodity in agent at a low price purchase investment human hand, then its price difference is cashed,
Easy object platform 94 exchanges for raw material between each financier.
Cash platform 91, exchanging platform 92, the platform 93 that snaps up be set as investor dispose received feedback object (including
Consumption voucher and commodity) number of ways and facility are provided, avoid the wasting of resources, it is ensured that the activity in market.
Easy object platform 94 realizes the circulation of raw material between financier, avoids its waste of material, reduce its manage into
This.
This platform is dedicated to solving to realize to raise as pin, with the business model of pin cost declining；By a product more change, more product it is mutual
It changes, exchanges end article needed for user for；The needs that recycling is made a profit of being eager cannot be cashed by solving investor；Trade company's materials procurement,
Closure supply chain is formed by returning certificate or commodity exchange mode, saves fund of stocking up.
Further, Risk-recovery platform 12 is additionally provided in server 3, Risk-recovery platform 12 is used to defend financing project
The property loss risk of investor and financier during failure.
The present invention has also added Risk-recovery platform 12 in server 3, and risk is carried out to financing project by insurance company
Guarantee, further reduced the investment risk of investor and financier, is conducive to the stability of financing market.
With reference to service platform proposed by the invention, we also propose a kind of financing synthetic service method, comprising following more
Kind embodiment.
Embodiment 1
Information is issued：Financier issues project data by information promulgating platform 4 on financing comprehensive service platform, finances
It is after platform 6 audits financier's identity and publication data that its is right that comprehensive service platform manager is audited by information security
Outer announcement；
Investor registers capital to：Investor registers capital to platform 5 by project, has been announced on selection financing comprehensive service platform and
The financing project financed, and registered capital to；
Feedback：Investor invests and finances after project financing success, and financier registers capital to the amount of money according to investor's, passes through rebating
Platform 7 feeds back a certain proportion of feedback object to it；
Share out bonus：After the financing project that investor registers capital to terminates operation on schedule, financier is by profit dividend platform 10 to throwing
People is provided to share out bonus；
Wherein, feedback object includes cash, consumption voucher or commodity.
Embodiment 2
Information is issued：Financier issues project data by information promulgating platform 4 on financing comprehensive service platform, finances
It is after platform 6 audits financier's identity and publication data that its is right that comprehensive service platform manager is audited by information security
Outer announcement；
Investor registers capital to：Investor registers capital to platform 5 by project, has been announced on selection financing comprehensive service platform and
The financing project financed, and registered capital to；
Feedback：Investor invests and finances after project financing success, and financier registers capital to the amount of money according to investor's, passes through rebating
Platform 7 feeds back a certain proportion of feedback object to it；
Share out bonus：After the financing project that investor registers capital to terminates operation on schedule, financier is by profit dividend platform 10 to throwing
People is provided to share out bonus；
Wherein, feedback object includes cash, consumption voucher or commodity.
It further includes financier's resource and exchanges step：Financier finance during or success after, can by easy object platform 94 with
Other financiers carry out resource exchange on service platform.
Embodiment 3
Information is issued：Financier issues project data by information promulgating platform 4 on financing comprehensive service platform, finances
It is after platform 6 audits financier's identity and publication data that its is right that comprehensive service platform manager is audited by information security
Outer announcement；
Investor registers capital to：Investor registers capital to platform 5 by project, has been announced on selection financing comprehensive service platform and
The financing project financed, and registered capital to；
Feedback：Investor invests and finances after project financing success, and financier registers capital to the amount of money according to investor's, passes through rebating
Platform 7 feeds back a certain proportion of feedback object to it；
Share out bonus：After the financing project that investor registers capital to terminates operation on schedule, financier is by profit dividend platform 10 to throwing
People is provided to share out bonus；
Wherein, feedback object includes cash, consumption voucher or commodity.
It further includes financier's resource exchange step and feedback logistics is gone to step, concrete operations are as follows：
Financier's resource exchanges step：During financier finances or after success, it can be melted by easy object platform 94 with other
Capital carries out resource exchange on service platform.
Feedback logistics is gone to step：It can be directly at financier and consumed after investor's acquisition consumption voucher；Also it can pass through change
Existing platform 91 carries out sale realization；It can also be exchanged by exchanging platform 92 and other investors into row equivalent or flat by snapping up
Platform 93 is undersold to agent, is sold by agent.
Embodiment 4
Information is issued：Financier issues project data by information promulgating platform 4 on financing comprehensive service platform, finances
It is after platform 6 audits financier's identity and publication data that its is right that comprehensive service platform manager is audited by information security
Outer announcement；
Investor registers capital to：Investor registers capital to platform 5 by project, has been announced on selection financing comprehensive service platform and
The financing project financed, and registered capital to；
Feedback：Investor invests and finances after project financing success, and financier registers capital to the amount of money according to investor's, passes through rebating
Platform 7 feeds back a certain proportion of feedback object to it；
Share out bonus：After the financing project that investor registers capital to terminates operation on schedule, financier is by profit dividend platform 10 to throwing
People is provided to share out bonus；
Wherein, feedback object includes cash, consumption voucher or commodity.
Further include risk prevention step：After the financing project financed is announced on information promulgating platform 4, service platform pipe
Reason person contacts insurance company by Risk-recovery platform 12 and insures to financing project, and financing project is not made a profit by insuring finally
Company settles a claim.
Embodiment 5
Information is issued：Financier issues project data by information promulgating platform 4 on financing comprehensive service platform, finances
It is after platform 6 audits financier's identity and publication data that its is right that comprehensive service platform manager is audited by information security
Outer announcement；
Investor registers capital to：Investor registers capital to platform 5 by project, has been announced on selection financing comprehensive service platform and
The financing project financed, and registered capital to；
Feedback：Investor invests and finances after project financing success, and financier registers capital to the amount of money according to investor's, passes through rebating
Platform 7 feeds back a certain proportion of feedback object to it；
Share out bonus：After the financing project that investor registers capital to terminates operation on schedule, financier is by profit dividend platform 10 to throwing
People is provided to share out bonus；
Wherein, feedback object includes cash, consumption voucher or commodity.
It further includes financier's resource exchange step and risk prevention step, concrete operations is as follows：
Financier's resource is exchanged：During financier finances or after success, it can pass through easy object platform 94 and other financiers
Resource exchange is carried out on service platform.
Risk prevention：After the financing project financed is announced on information promulgating platform 4, service platform manager passes through wind
Danger defence platform 12 contacts insurance company and insures to financing project, and financing project is not made a profit finally is managed by insurance company
It pays for.
Embodiment 6
Information is issued：Financier issues project data by information promulgating platform 4 on financing comprehensive service platform, finances
It is after platform 6 audits financier's identity and publication data that its is right that comprehensive service platform manager is audited by information security
Outer announcement；
Investor registers capital to：Investor registers capital to platform 5 by project, has been announced on selection financing comprehensive service platform and
The financing project financed, and registered capital to；
Feedback：Investor invests and finances after project financing success, and financier registers capital to the amount of money according to investor's, passes through rebating
Platform 7 feeds back a certain proportion of feedback object to it；
Share out bonus：After the financing project that investor registers capital to terminates operation on schedule, financier is by profit dividend platform 10 to throwing
People is provided to share out bonus；
Wherein, feedback object includes cash, consumption voucher or commodity.
Further include financier's resource exchange step, feedback logistics go to step with risk prevention step, concrete operations are as follows：
Financier's resource is exchanged：During financier finances or after success, it can pass through easy object platform 94 and other financiers
Resource exchange is carried out on service platform.
Feedback logistics turns：It can be directly at financier and consumed after investor's acquisition consumption voucher；It also can be flat by cashing
Platform 91 carries out sale realization；Also the platform 93 that snaps up can be exchanged or passed through into row equivalent by exchanging platform 92 and other investors
It is undersold to agent, is sold by agent.
Risk prevention：After the financing project financed is announced on information promulgating platform 4, service platform manager passes through wind
Danger defence platform 12 contacts insurance company and insures to financing project, and financing project is not made a profit finally is managed by insurance company
It pays for.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all essences in the present invention
With within principle, any modification, equivalent replacement, improvement and so on should all be included in the protection scope of the present invention god.
Claims (8)
1. a kind of financing comprehensive service platform, which is characterized in that including the server being all connected with financing end (1), investment end (2)
(3), information promulgating platform (4) is set in the server (3), project registers capital to platform (5), information security audit platform (6), rebating
Platform (7) and profit dividend platform (10),
Described information distribution platform (4) issues financing project data for financier；
The project registers capital to platform (5) and selects financing project for investor and register capital to；
Described information security audit platform (6) is for the comprehensive service platform manager that finances to investor and financier's identity and money
The authenticity of material is audited；
After the rebating platform (7) is for project financing success of financing, financier registers capital to the amount of money according to investor and feeds back one to it
The feedback object of certainty ratio；
The profit dividend platform (10) for financing project at the end of financier give investor share out bonus.
2. a kind of financing comprehensive service platform according to claim 1, which is characterized in that also set in the server (3)
Be equipped with resource circulation platform (9), resource circulation platform (9) for resource in each financier, investment human hand circulation.
A kind of 3. financing comprehensive service platform according to claim 2, which is characterized in that the resource circulation platform (9)
Including cashing platform (91), exchanging platform (92), the platform that snaps up (93) and easy object platform (94),
The consumption voucher received is carried out change cash and carry sales by the realization platform (91) for investor,
The feedback commodity received and other investors are carried out equal value exchange by the exchanging platform (92) for investor,
The platform that snaps up (93) becomes for the consumption voucher or commodity in agent at a low price purchase investment human hand, then by its price difference
It is existing,
The easy object platform (94) is exchanged for raw material between each financier.
4. a kind of financing comprehensive service platform according to claim 3, which is characterized in that also set in the server (3)
Risk-recovery platform (12) is equipped with, investor and financier when the Risk-recovery platform (12) is for defending financing project failure
Property loss risk.
5. a kind of financing synthetic service method, which is characterized in that include the following steps：
Information is issued：Financier is by any one of Claims 1 to 4 described information distribution platform (4) in the comprehensive clothes of the financing
Project data is issued on business platform, the financing comprehensive service platform manager is right by described information security audit platform (6)
Financier's identity and publication data externally announce it after being audited；
Investor registers capital to：Investor registers capital to platform (5) by the project, selects to have announced on the financing comprehensive service platform
And the financing project financed, and registered capital to；
Feedback：Investor invests and finances after project financing success, and financier registers capital to the amount of money according to investor's, passes through the rebating
Platform (7) feeds back a certain proportion of feedback object to it；
Share out bonus：After the financing project that investor registers capital to terminates operation on schedule, financier is given by the profit dividend platform (10)
Investor shares out bonus；
Wherein, feedback object includes cash, consumption voucher or commodity.
6. a kind of financing synthetic service method according to claim 5, which is characterized in that further include the exchange of financier's resource
Step：It, can be by the easy object platform (94) and other financiers on service platform during financier finances or after success
Carry out resource exchange.
7. a kind of financing synthetic service method according to claim 6, which is characterized in that further include feedback logistics and turn step
Suddenly：It can be directly at financier and consumed after investor's acquisition consumption voucher；Also can be gone out by the realization platform (91)
Sell realization；Also the platform that snaps up can be exchanged or passed through into row equivalent by the exchanging platform (92) and other investors
(93) it is undersold to agent, is sold by agent.
8. according to a kind of financing synthetic service method of claim 5~7 any one of them, which is characterized in that further include risk
Resist step：After the financing project financed is announced on described information distribution platform (4), service platform manager passes through described
Risk-recovery platform (12) contact insurance company insure to financing project, financing project do not make a profit finally by insurance company into
Row Claims Resolution.
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