CN1741075A - “信息消费”个人帐户 - Google Patents

“信息消费”个人帐户 Download PDF

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Publication number
CN1741075A
CN1741075A CN 200510066213 CN200510066213A CN1741075A CN 1741075 A CN1741075 A CN 1741075A CN 200510066213 CN200510066213 CN 200510066213 CN 200510066213 A CN200510066213 A CN 200510066213A CN 1741075 A CN1741075 A CN 1741075A
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consumption
account
consumer
bank
credit
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崔福
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Priority to CN 200510066213 priority Critical patent/CN1741075A/zh
Priority to CNA2005800066169A priority patent/CN1926587A/zh
Priority to PCT/CN2005/001001 priority patent/WO2006114023A1/zh
Publication of CN1741075A publication Critical patent/CN1741075A/zh
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
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Abstract

一种用于建立信用系统的银行个人帐户类型，称为“信息消费”个人帐户。(1)“信息消费”个人帐户突破银行现行的二元结构的信用系统，建立一种银行、消费者、企业(商户)三元结构的信用系统。银行实现了贷款风险的减少、存款的增加、中间业务的提升。(2)“信息消费”个人帐户采用现有银行结算网络系统和客户交易终端，把消费者持购买商品消费时款项划入银行为消费者专门设立的帐户内，开始记录消费信用和消费定期利息，到期结束扣划本金，利息划归消费者个人。而企业的款项通过银行和企业信贷方式解决。(3)“信息消费”个人帐户能带来消费者、银行和企业(商户)的多赢。消费者的好处是得到了与消费金额对应的存款利息，在银行自动建立了信用记录而不需要改变消费习惯；企业(商户)的好处是通过银行的客户群建立了企业银行信用、通过银行的客户、品牌扩大了市场。

Description

“信息消费”个人帐户
1、技术领域  一种用于建立信用体系的银行个人帐户类型。
2、背景技术  目前银行的个人帐户，其共同之处有两点：①帐户的本金和利息属于同一客体；②帐户内的本金的直接来源可能是货币也可能是资本，与个人消费没有直接关系。这种银行个人帐户类型，在农业社会时代、工业化时代无疑是非常成功的。但在信息化时代，以信用为基础的市场经济时代，这种帐户不能保证准确、完整、全面地记录商品和货币交换各方真实的交易行为，因而出现了一系列的金融风险和信用缺失。能否用一种简单的方法，既能保证这种信用体系的真实性和有效性，又能保持极低的社会成本和代价，几乎被认为是不可能的事。
3、发明内容  “信息消费”个人帐户的通俗的名称为：信用、利息个人帐户。用“消费有信用、消费有利息、消费信息化”可以准确表达“信息消费”个人帐户的本质。
这种帐户类型的显著特征是：①帐户的产生和帐户内本金来源于个人客户直接消费的结果；②帐户的本金和利息分属于不同的客体，帐户的本金部分不属于消费者个人，利息属于消费者个人；③帐户内的本金一定来源于消费者的一笔商品消费，即个人消费者已经取得了商品，本金的大小与消费者个人的真实消费而支付的交易金额相等。
这样一种银行的个人帐户类型，可以准确、完整、全面地记录商品和货币交换各方真实的交易行为，因而可以减少银行信贷风险、突破企业的融资瓶颈和扩大产品销售、保护消费者权益；“信息消费”个人帐户用了一种简单的方法，既能保证信用体系的真实性和有效性，又能保持极低的社会成本和代价，解决了信用体系数据失真和建立信用体系的成本问题。
4、具体实施方式  “信息消费”个人帐户实施方式是：消费者持有货币(现金或银行卡)购买商品，通过现有技术手段在银行生成一个帐户、并将每一笔消费的本金，转入这个帐户开始产生利息和记录信用，到期结束，扣划消费本金、利息归客户所有。而企业(商户)的贷款通过银行与企业的信贷方式解决。具体针对不同级别的金融机构有三种不同的优化方式：
①定义为个人消费理财帐户的一类。把“信息消费”个人帐户当作目前商业银行个人业务中个人理财帐户的一种类型来实现。制定对应“信息消费”个人帐户的专门章程。章程的核心条款是“该帐户内的消费本金部分属于企业(或商户)所有，利息归消费者个人所有”。由银行发起业务直接接受客户的申请和注册“信息消费”个人帐户。该做法适合商业银行现行业务级别操作，成本非常低。
②直接定义为专用帐户。将“信息消费”个人帐户直接列入与个人储蓄帐户、结算帐号并列的第三种帐户类型。定义为：记录个人消费信用和消费利息专用帐户。制定对应的章程。采用现有的银行结算联网系统和客户交易终端，只是在收单银行(商户开户银行)将客户消费交易时持有的货币(现金或银行卡)直接对应于“信息消费”个人帐户。这种做法适合商业银行报备监管部门后实施。成本非常低。
③国家强制实施。人民银行、银监会银行监管部门为了建立个人消费信用体系，防范金融风险，建立的企业、银行和消费者和谐的商品、货币交易秩序，直接颁布帐户管理条例，增设信用、利息消费个人帐户类型，发布统一章程，通过商业银行体系，作为一项金融工程强制实施。

Claims (8)

1.一种用于建立信用体系的银行个人帐户类型，“信息消费”个人帐户，通俗的名称为信用、利息、信息化个人帐户。
2.用“消费有信用、消费有利息、消费信息化”准确表达“信息消费”个人帐户的本质。
3.实现“信息消费”个人帐户的方式采用现有的银行结算联网系统和客户交易终端，将消费者持有货币购买商品的每一笔消费的本金，转入这个帐户开始产生利息和记录信用，到期结束，扣划消费本金、利息归客户所有，而企业(商户)的货款通过银行与企业的信贷方式解决。
4.“信息消费”个人帐户的显著特征是：帐户的本金和利息分属于不同的客体，帐户的本金部分不属于消费者个人，利息属于消费者个人；帐户内的本金一定来源于消费者的一笔商品消费，即个人消费者已经取得商品，本金的大小与消费者个人的真实消费而支付的交易金额相等。
5.“信息消费”个人帐户突破银行现行的二元结构的信用系统，建立了一种银行、消费者、企业(商户)三元结构的信用系统。
6.“信息消费”个人帐户采用现有银行结算网络系统和客户交易终端，把消费者持购买商品消费时款项划入银行为消费者专门设立的帐户内，开始记录消费信用和消费定期利息，到期结束扣划本金，利息划归消费者个人，而企业的款项通过银行和企业信贷方式解决。
7.“信息消费”个人帐户带来消费者、银行和企业(商户)的多赢。
8.“信息消费“个人帐户能既能保证信用体系的真实性和有效性，又能保持社会成本和代价。
CN 200510066213 2005-04-25 2005-04-25 “信息消费”个人帐户 Pending CN1741075A (zh)

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Application Number Priority Date Filing Date Title
CN 200510066213 CN1741075A (zh) 2005-04-25 2005-04-25 “信息消费”个人帐户
CNA2005800066169A CN1926587A (zh) 2005-04-25 2005-07-08 信息消费个人帐户
PCT/CN2005/001001 WO2006114023A1 (fr) 2005-04-25 2005-07-08 Systeme pour compte de consommation personnelle

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CN 200510066213 CN1741075A (zh) 2005-04-25 2005-04-25 “信息消费”个人帐户

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CNA2005800066169A Pending CN1926587A (zh) 2005-04-25 2005-07-08 信息消费个人帐户

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104361520A (zh) * 2014-11-18 2015-02-18 刘晋峰 一种建立财富账户并实现财富交易的方法

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108053273B (zh) * 2017-09-15 2023-01-31 胡金钱 基于智能设备实现的信用方法

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US6070153A (en) * 1997-11-21 2000-05-30 Simpson; Mark S. System and method for automatically investing a portion of a credit card interest charged amount in an investment account
US20060178986A1 (en) * 2000-02-17 2006-08-10 Giordano Joseph A System and method for processing financial transactions using multi-payment preferences
SE0003456L (sv) * 2000-09-27 2001-09-03 Nybohov Dev Ab Förfaringssätt för valutering av penningbelopp
JP2002222312A (ja) * 2000-11-24 2002-08-09 Sony Corp 個人口座管理装置、個人口座管理方法、個人口座管理プログラムを記憶した記憶媒体、個人口座管理プログラム、顧客優遇装置、顧客優遇方法、顧客優遇プログラムを記憶した記憶媒体、顧客優遇プログラム

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104361520A (zh) * 2014-11-18 2015-02-18 刘晋峰 一种建立财富账户并实现财富交易的方法

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