TW201303778A - Loan method with dynamic approval of borrowing limit and its interest rate - Google Patents
Loan method with dynamic approval of borrowing limit and its interest rate Download PDFInfo
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本發明是有關於一種貸款方法,特別是指一種動態核定借貸額度及其利率之貸款方法。The present invention relates to a loan method, and more particularly to a loan method for dynamically verifying a loan amount and its interest rate.
銀行執行借貸業務,除由銀行片面制定利率價格外,並須事先經過審核賦予額度後才能進行,近期有銀行藉由資訊科技的發達,導入傳統民間標會的機制,透過層層的審核機制及額度賦予,讓消費者可在透支額度內進行線上標會及經營存借款行為,讓標會的財務狀態健全,減少倒會的風險外,也讓消費者能藉由競標享有部分的價格自主。The bank's implementation of the lending business, in addition to the bank's one-sided interest rate price, must be approved before the credit is granted. Recently, banks have introduced the mechanism of traditional civil standards through the development of information technology, through a layer of review mechanism and The quota gives consumers the ability to conduct online bidding and operating deposits and borrowings within the overdraft limit, so that the financial status of the standard will be sound and the risk of reversal will be reduced. It will also allow consumers to enjoy partial price autonomy through bidding.
習知之中華民國專利證書第154239號自主性信用貸款服務系統及其方法、第160266號透支額度控管式融資管理方法、第I231682號網路安全標會之方法及系統、第I283372號額度控管式之網路融資撮合交易方法,及第I341996號線上資金競標交易方法與系統,即是在電腦伺服器上建構平台,並進行線上標會的運作。以第160266號透支額度控管式融資管理方法為例,該案係建構於一管理伺服器上,並透過一網路伺服器於網際網路上運作。參閱圖1,該方法包括有:一會員招募手段101、一動態徵信調查手段102、一會員核定手段103、一透支額度控管手段104、一融資小組成立手段105、一融資交易手段106、一收款作業手段107,及一催收手段108。其中,該會員招募手段101係供使用者提出加入會員申請。該動態徵信調查手段102係針對加入會員者進行信用調查,調查內容至少包括信用額度之確認與變更。該會員核定手段103係根據會員之信用調查結果決定是否核可會員之加入申請。該透支額度控管手段104,根據徵信調查結果賦予核准加入會員一透支額度,並控管會員之透支額度是否超過核定額度。The Republic of China Patent Certificate No. 154239 Autonomous Credit Loan Service System and Method, No. 160266 Overdraft Control Financing Management Method, No. I231682 Network Security Standard Method and System, No. I283372 The online financing method and the online trading method and system of No. I341996 are to build a platform on a computer server and perform online labeling operations. For example, in the 1602666 overdraft control financing management method, the case is constructed on a management server and operates on the Internet through a network server. Referring to FIG. 1, the method includes: a member recruitment means 101, a dynamic credit investigation means 102, a member approval means 103, an overdraft limit control means 104, a financing group establishment means 105, a financing transaction means 106, A collection operation means 107, and a collection means 108. Among them, the member recruitment means 101 is for the user to submit a membership application. The dynamic credit investigation means 102 performs a credit investigation on the joining members, and the survey content includes at least the confirmation and change of the credit limit. The member verification means 103 determines whether to approve the membership application based on the member's credit investigation result. The overdraft limit control means 104 grants an approved overdraft limit to the member according to the result of the credit investigation, and controls whether the overdraft limit of the member exceeds the approved amount.
上述運作之管理方法的管理伺服器,為有效控管客戶的無擔保債務總餘額,並符合相關的主管機關法令及規範,必須如該會員核定手段103所示,在會員核准的階段就連線財團法人金融聯合徵信中心進行信用額度之登錄,用以保障銀行的風險。然而,此方式將造成使用者即使尚未開始進行如融資小組成立手段105所示之貸款行為,在財團法人金融聯合徵信中心所登錄的信用額度仍然被佔用及虛增,導致使用者無法申請或無法足額申請其他無擔保債務形式的貸款,造成個人資金運用的不便及相關投資理財行為的困擾。The management server of the above-mentioned management method is to effectively control the total unsecured debt balance of the customer and comply with the relevant authorities' laws and regulations. It must be connected at the member approval stage as indicated by the member verification means 103. The Financial Joint Credit Information Center of the Corporation has registered the credit line to protect the risks of the bank. However, this method will cause the user to enter the credit line as indicated by the financing group establishment means 105, and the credit line registered in the Financial Joint Credit Information Center of the consortium is still occupied and inflated, resulting in the user being unable to apply or Failure to apply for loans in the form of other unsecured debts in full, causing inconvenience in the use of personal funds and related investment and financial management practices.
如上所述,為了避免使用者未實際使用借貸卻在聯合徵信中心所登錄的信用額度虛增,增加個人資金運用的靈活度,有必要尋求解決之道。As mentioned above, in order to avoid the user's actual use of borrowing but the credit line registered in the joint credit center is inflated, and the flexibility of the use of personal funds is increased, it is necessary to seek a solution.
因此,本發明之目的,即在提供一種動態核定借貸額度及其利率之貸款方法。Accordingly, it is an object of the present invention to provide a loan method for dynamically verifying a loan amount and its interest rate.
於是,本發明動態核定借貸額度及其利率之貸款方法,係在一電腦伺服器上執行,供複數使用者端裝置透過網際網路連線而執行貸款申請,並與一財團法人金融聯合徵信中心的信用資料庫連線,使該電腦伺服器進行下列步驟:首先,一處理模組之一會員登錄單元透過一通訊模組供各該使用者端裝置連線輸入一個人資料而執行註冊。接著,該會員登錄單元依據該等個人資料計算出複數對應之貸款額度值。再者,該會員登錄單元透過該通訊模組供各該使用者端裝置連線登入。然後。該處理模組之一競標單元供任一登入的使用者端裝置於複數貸款組合中輸入選擇其中一貸款組合,該貸款組合設有一底標利率值、一競標規則及一競標時間。再者,該競標單元供各該使用者端裝置輸入一包括一競標利率值的下標指令,當上述之貸款組合的競標時間結束後,依據該競標規則決定至少一得標之使用者端裝置,並產生一結標訊息。接著,該處理模組之一信用額度查核單元接收上述結標訊息後,透過該通訊模組與該財團法人金融聯合徵信中心的信用資料庫連線,該信用額度查核單元依據該結標訊息及該個人資料傳送查詢請求至信用資料庫。然後,該信用額度查核單元取得該個人資料所對應之剩餘的信用額度,若剩餘的信用額度大於等於該貸款額度值,則產生一核准訊息,並向信用資料庫登錄此貸款額度值。再者,該處理模組之一匯款處理單元接收該核准訊息及該結標訊息,並依據該已結標的貸款組合,自動地紀錄一匯款準備訊息。Therefore, the method for dynamically verifying the loan amount and the interest rate of the present invention is executed on a computer server for the plurality of user devices to perform the loan application through the Internet connection, and jointly with the financial corporation of a consortium. The connection of the credit database of the center causes the computer server to perform the following steps: First, a member registration unit of a processing module performs registration by using a communication module for each user device to input a personal data. Then, the member registration unit calculates a loan amount value corresponding to the plural according to the personal data. Moreover, the member login unit is configured to connect to each of the user device devices through the communication module. then. One of the processing modules of the processing module is used by any of the logged-in user devices to enter one of the loan combinations in the plurality of loan combinations, the loan combination having a bottom rate value, a bidding rule, and a bidding time. Furthermore, the bidding unit is configured to input, by each of the user equipments, a subscript instruction including a bidding interest rate value, and when the bidding time of the loan combination ends, determine at least one of the winning user equipments according to the bidding rule. And generate a knot message. Then, the credit limit checking unit of the processing module receives the binding information, and then connects to the credit database of the financial association of the financial association through the communication module, and the credit checking unit is based on the binding information. And the personal data transmission query request to the credit database. Then, the credit limit checking unit obtains the remaining credit limit corresponding to the personal data, and if the remaining credit limit is greater than or equal to the loan credit value, an approval message is generated, and the loan credit value is registered with the credit database. Furthermore, the remittance processing unit of the processing module receives the approval message and the binding message, and automatically records a remittance preparation message according to the closed loan combination.
本發明之功效在於讓欲借貸的使用者透過操作上述之使用者端裝置,成功得標貸款組合後,才進行信用額度的查核及登錄工作,避免虛增及佔用使用者在聯合徵信中心所登錄的信用額度。The effect of the present invention is to enable the user who wants to borrow to successfully check the credit portfolio after operating the above-mentioned user-side device, and then perform the credit limit check and login work to avoid inflating and occupying the user in the joint credit center. The credit line of the login.
有關本發明之前述及其他技術內容、特點與功效,在以下配合參考圖式之二個較佳實施例的詳細說明中,將可清楚的呈現。The above and other technical contents, features and advantages of the present invention will be apparent from the following detailed description of the preferred embodiments of the invention.
在本發明被詳細描述之前,要注意的是,在以下的說明內容中,類似的元件是以相同的編號來表示。Before the present invention is described in detail, it is noted that in the following description, similar elements are denoted by the same reference numerals.
參閱圖2、3,本發明動態核定借貸額度及其利率之貸款方法之第一較佳實施例,係在一電腦伺服器上執行,供複數使用者端裝置2透過網際網路3連線而執行貸款申請,並與一財團法人金融聯合徵信中心(簡稱聯徵中心)的信用資料庫4連線。在本第一較佳實施例中,該等使用者端裝置2為執行網路瀏覽器的個人電腦、個人數位助理、筆記型電腦或具備上網功能的行動裝置,使用者係利用網路瀏覽器進行操作。聯徵中心的信用資料庫4與各家金融機構連線,提供必要的金融資訊給獲得授權的金融機構。本第一較佳實施例所應用的電腦伺服器,包含一通訊模組12及一與該通訊模組12連接之處理模組11。該處理模組11包括一會員登錄單元111、一競標單元112、一信用額度查核單元113及一匯款處理單元114。如步驟511所示,該會員登錄單元111供每一使用者端裝置2透過網路瀏覽器連線。接著,如步驟512所示,若使用者端裝置2尚未進行註冊造成無法登入,則如步驟513所示,輸入一組個人資料執行註冊,其中,該個人資料包括一姓名、一身份字號、一電話、一出生日、一職業、一帳號及一密碼等,爾後,每一使用者端裝置2可以如步驟512所示利用該帳號及該密碼完成登入。Referring to Figures 2 and 3, a first preferred embodiment of the method for dynamically debiting a loan amount and an interest rate thereof is performed on a computer server for the plurality of user devices 2 to connect through the Internet 3 The loan application is executed and connected to the credit database 4 of the Financial Cooperation Center of the Financial Corporation (referred to as the Linkage Center). In the first preferred embodiment, the user terminal device 2 is a personal computer, a personal digital assistant, a notebook computer or a mobile device with internet access function for executing a web browser, and the user uses a web browser. Take action. The Credit Database 4 of the Linkage Center is linked to various financial institutions to provide the necessary financial information to authorized financial institutions. The computer server used in the first preferred embodiment includes a communication module 12 and a processing module 11 connected to the communication module 12. The processing module 11 includes a member registration unit 111, a bidding unit 112, a credit limit checking unit 113, and a remittance processing unit 114. As shown in step 511, the member registration unit 111 is connected to each client device 2 via a web browser. Then, as shown in step 512, if the user terminal device 2 has not been registered and cannot log in, as shown in step 513, a group of personal data is input to perform registration, wherein the personal data includes a name, an identity font, and a After the phone, a birthday, a job, an account number, and a password, each user device 2 can use the account number and the password to complete the login as shown in step 512.
另外,如步驟514所示,該會員登錄單元111根據上述之該等個人資料計算出複數對應各該個人資料之貸款額度值,例如10萬元、50萬元、100萬元等。In addition, as shown in step 514, the member registration unit 111 calculates a loan amount value corresponding to each of the personal data according to the personal data described above, for example, 100,000 yuan, 500,000 yuan, 1 million yuan, and the like.
當使用者透過使用者端裝置2登入之後,如步驟515所示,該競標單元112提供複數種貸款組合讓使用者透過使用者端裝置2來選擇,每一貸款組合設有一底標利率值、一繳款期數、一競標規則及一競標時間。舉例來說,某一貸款組合的底標利率值為30,代表每借1萬元,每期另要負擔30元的利息費用。該繳款期數可設為12期、18期、24期等,但並不限於此。該競標規則可有不同的設定,例如:After the user logs in through the user device 2, as shown in step 515, the bidding unit 112 provides a plurality of loan combinations for the user to select through the user device 2, and each loan combination has a bottom rate value, One payment period, one bidding rule and one bidding time. For example, the benchmark interest rate value of a loan portfolio is 30, which means that each borrowing is 10,000 yuan, and each period is subject to another 30 yuan interest expense. The number of payment periods can be set to 12, 18, 24, etc., but is not limited thereto. The bidding rules can have different settings, such as:
(一)競標規則以一競標利率值作為限制,設定為提出一最高競標利率值但不限一人之使用者端裝置2得標,以提高銀行獲利。(1) The bidding rule is based on a bidding interest rate value, and is set to be the highest bidding interest rate value but not limited to one user device 2 to win the bank profit.
(二)競標規則設為多個提出較高競標利率值者之使用者端裝置2得標,讓多個使用者可以獲得貸款。(2) The bidding rule is set as the bid for the user-side device 2 that proposes the higher bidding rate value, so that multiple users can obtain the loan.
(三)承第二點,得標之多個使用者端裝置2係為一指定比例之選擇該貸款組合之使用者端裝置2。例如該指定比例為50%,若有10個使用者端裝置2選擇競標此貸款組合,則將有5個使用者端裝置2得標。關於第一、二、三點所載之競標利率值,容後再述。(3) According to the second point, the plurality of user equipments 2 that are awarded the standard are the user equipment 2 that selects the loan combination in a specified proportion. For example, the specified ratio is 50%. If 10 user devices 2 choose to bid for this loan combination, 5 user devices 2 will be awarded. The value of the bidding rate contained in the first, second and third points will be described later.
(四)競標規則設為參與競標之使用者端裝置2達到一數量條件時,如50人,則自動地提前結束該競標時間。(4) When the bidding rule is set to the number of conditions for the user device 2 participating in the bidding, such as 50 persons, the bidding time is automatically terminated early.
該競標時間是指每一貸款組合中競標開始至結束的時間,如7日,或以固定日期為準,如每周三或每月10日,均依據競標規則而有彈性地變化。由於各項貸款組合會因競標時間結束而陸續地結標,因此該競標單元112週期性地(如3日)自動推出新的貸款組合,以供使用者端裝置2選取。The bidding time refers to the time from the start to the end of the bidding in each loan portfolio, such as 7th, or a fixed date, such as every Wednesday or 10th of the month, which varies flexibly according to the bidding rules. Since the loan portfolios are successively closed due to the end of the bidding time, the bidding unit 112 automatically launches a new loan combination periodically (for example, on the 3rd) for the user terminal device 2 to select.
特別注意的是,上述底標利率值、繳款期數、各種競標規則及競標時間可以搭配選用,以創造不同的貸款組合。It is particularly important to note that the above benchmark interest rate values, payment periods, various bidding rules and bidding time can be selected to create different loan portfolios.
如步驟516所示,該競標單元112供任一登入的使用者端裝置2輸入選擇其中一貸款組合,並供每一使用者端裝置2輸入包括上述競標利率值的下標指令。舉例來說,某一貸款組合的底標利率值為30,其中一使用者若要成為該貸款組合的得標者,必須提出高於底標利率值的競標利率值,如35,另一使用者若也要成為得標者,則必須再提高競標利率值,如40,才有機會得標。As shown in step 516, the bidding unit 112 inputs, for any of the logged-in user devices 2, one of the loan combinations, and each user device 2 inputs a subscript instruction including the above bid rate value. For example, the benchmark interest rate value of a loan portfolio is 30. If a user wants to be the winner of the loan portfolio, he must submit a bid rate value higher than the base rate value, such as 35, another use. If you want to be the winner, you must raise the bidding rate, such as 40, to get the chance.
如步驟517所示,當上述之貸款組合的競標時間結束後,依據該競標規則決定參加的使用者端裝置2是否得標,若未得標,則如步驟515所示,重新選取另一貸款組合,但並不限於此,也可以傳送訊息至客服系統,以通知客服人員直接協助使用者。若成功得標,則產生一結標訊息傳至該信用額度查核單元113。As shown in step 517, after the bidding time of the loan combination is completed, the user equipment 2 participating in the bidding is determined according to the bidding rule. If the bidding is not obtained, the other loan is re-selected as shown in step 515. Combination, but not limited to this, can also send a message to the customer service system to notify the customer service staff to directly assist the user. If the bid is successful, a binding message is generated and transmitted to the credit limit checking unit 113.
如步驟518所示,該信用額度查核單元113在接收上述結標訊息後,與聯徵中心的信用資料庫4連線,並依據該結標訊息及該個人資料傳送查詢請求至信用資料庫4,以取得該個人資料所對應之剩餘的信用額度。傳送查詢請求的目的是金管會目前對於無擔保債務,即債務人於全體金融機構之無擔保債務歸戶後之總餘額除以平均月收入,規定不宜超過22倍,舉例來說,若某甲的平均月收入為5萬元,則其信用額度為110萬元。假設某甲已有100萬元之無擔保債務,則其只剩下10萬元的信用額度可以再向金融機構以信用方式借款。As shown in step 518, the credit limit checking unit 113 connects with the credit database 4 of the association center after receiving the above-mentioned binding information, and transmits a query request to the credit database 4 according to the binding information and the personal data. In order to obtain the remaining credit line corresponding to the personal data. The purpose of transmitting the inquiry request is that the current total balance of the unsecured debt, that is, the debtor’s unsecured debts of all financial institutions, divided by the average monthly income is not more than 22 times, for example, if a certain The average monthly income is 50,000 yuan, and its credit limit is 1.1 million yuan. Suppose that a certain company has 1 million yuan of unsecured debt, then only 100,000 yuan of credit line can be borrowed from financial institutions.
如步驟519所示,信用額度查核單元113收到信用資料庫4的回覆訊息,以確認剩餘的信用額度是否大於等於該貸款額度值。若是,則如步驟520所示,信用額度查核單元113產生一核准訊息傳送至該匯款處理單元114,並向信用資料庫4登錄此貸款額度值。回到步驟519所示,若剩餘的信用額度小於貸款額度值,則產生一通知使用者端裝置2的核駁訊息,如電子郵件或簡訊,並如步驟515所示,導引該使用者端裝置2重新選取其他的貸款組合,或可傳送一訊息至客服系統,以通知客服人員直接協助使用者。特別注意的是,使用者於聯徵中心資料庫4所登錄的信用額度直到競標完成且得標後才進行查核及額度登錄,可以有效避免使用者於聯徵中心的信用額度被虛佔,影響資金運用的靈活度。As shown in step 519, the credit limit checking unit 113 receives the reply message of the credit database 4 to confirm whether the remaining credit limit is greater than or equal to the loan amount value. If so, as shown in step 520, the credit limit checking unit 113 generates an approval message to the remittance processing unit 114, and registers the loan amount value with the credit database 4. Returning to step 519, if the remaining credit limit is less than the loan credit value, a reply message, such as an email or a short message, is notified to the user device 2, and the user is directed as shown in step 515. Device 2 re-selects other loan combinations, or can send a message to the customer service system to notify the customer service staff to directly assist the user. It is particularly important to note that the user's credit limit registered in the Linkage Center database 4 will not be checked and the quota will be registered until the bid is completed, which can effectively avoid the user's credit limit at the Linkage Center being occupied. The flexibility of the use of funds.
如步驟521所示,該匯款處理單元114接收該核准訊息及該結標訊息,並依據該已結標的貸款組合,自動地紀錄一匯款準備訊息。在本第一較佳實施例中,該匯款準備訊息是儲存於資料庫中供銀行指定人員查詢,也可以是一電子郵件訊息主動寄送至銀行指定人員的電子信箱以進行後續的匯款作業。使用者從註冊會員、選擇借貸組合下標,直到結標取得貸款資格,都能利用使用者端裝置2自行完成,對於使用者而言有極高的自由度及便利性,對於銀行來說也能有效節省作業執行及人力支出。As shown in step 521, the remittance processing unit 114 receives the approval message and the settlement message, and automatically records a remittance preparation message according to the closed loan combination. In the first preferred embodiment, the remittance preparation message is stored in the database for the bank designated personnel to query, or an e-mail message may be sent to the e-mail address of the bank designated person for subsequent remittance operations. The user can use the user-side device 2 to complete the bidding from the registered member, the selection of the loan combination, and the eligibility to obtain the loan. The user has a high degree of freedom and convenience for the user. Can effectively save job execution and labor costs.
參閱圖2、4,本發明之動態核定借貸額度及其利率之貸款方法之第二較佳實施例與該第一較佳實施例大致相同,和上述第一較佳實施例不同的是,該會員登錄單元111設有複數群組及一審查基準資料,該等群組有複數相對應之最低競標利率值。如步驟522所示,該會員登錄單元111接收該等使用者端裝置2的個人資料後,除計算貸款額度值外,更依據該審查基準資料將該等使用者端裝置2指派至該等群組,用以分類不同風險族群的使用者至不同的群組。而在步驟516中,該競標單元112將每一參與貸款組合競標之使用者端裝置2初次提交的競標利率值,預設為該使用者端裝置2所屬群組的最低競標利率值。Referring to Figures 2 and 4, a second preferred embodiment of the dynamic approved debit amount and the interest rate loan method of the present invention is substantially the same as the first preferred embodiment, and the first preferred embodiment is different from the first preferred embodiment. The member registration unit 111 is provided with a plurality of groups and an examination reference data, and the groups have a plurality of corresponding minimum bid rate values. After receiving the personal data of the user device 2, the member registration unit 111, in addition to calculating the loan amount value, assigns the user device 2 to the groups according to the review reference data. Group, used to classify users of different risk groups into different groups. In step 516, the bidding unit 112 presets the bidding interest rate value initially submitted by the user terminal device 2 participating in the loan portfolio bidding to the lowest bidding interest rate value of the group to which the user equipment 2 belongs.
舉例來說,依據個人資料,使用者A1、A2、A3屬於高風險會員;使用者B1、B2、B3屬於中度風險會員;使用者C1、C2、C3屬於低風險會員,當該等使用者利用使用者端裝置2註冊時,即被會員登錄單元111分類至屬於高風險、中度風險、低風險的甲、乙、丙群組,而假設上述群組所對應之最低競標利率值分別為50、40、30。假設競標單元112提供X、Y、Z等三個貸款組合,其中該等貸款組合的競標規則分別設定為限甲、乙、丙群組之使用者端裝置2參與競標,則競標單元112自動地將使用者A1、A2、A3導入X貸款組合相互競標、使用者B1、B2、B3導入Y貸款組合相互競標、使用者C1、C2、C3導入Z貸款組合相互競標。For example, according to personal data, users A1, A2, and A3 are high-risk members; users B1, B2, and B3 are moderate risk members; users C1, C2, and C3 are low-risk members, and such users When the user terminal device 2 is registered, it is classified by the member registration unit 111 to the group A, B, and C belonging to high risk, medium risk, and low risk, and the minimum bid rate corresponding to the group is assumed to be 50, 40, 30. It is assumed that the bidding unit 112 provides three loan combinations of X, Y, Z, etc., wherein the bidding rules of the loan portfolios are respectively set to the user equipment 2 of the group A, B, and C groups participating in the bidding, and the bidding unit 112 automatically The users A1, A2, and A3 are introduced into the X loan portfolio for mutual bidding, the users B1, B2, and B3 are introduced into the Y loan portfolio for mutual bidding, and the users C1, C2, and C3 are introduced into the Z loan portfolio for mutual bidding.
另外一種風險管理的競標機制,是使用者A1、A2、A3、B1、B2、B3、C1、C2、C3參與競標一不分群組之貸款組合,相互加碼競標利率值做為競標依據,其中該貸款組合之競標規則設為得標此貸款組合之使用者端裝置2,是在其所屬群組中提交競標利率值高於底標利率值最多者。特別注意的是,雖然該等使用者競標的是同一貸款組合,但由於該等使用者屬於不同的群組,因此也各有不同的最低競標利率值。Another risk management bidding mechanism is that the users A1, A2, A3, B1, B2, B3, C1, C2, C3 participate in the bidding and non-group loan combination, and the mutual bidding bid rate value is used as the basis for bidding. The bidding rule of the loan portfolio is set to be the user device 2 of the loan portfolio, and the bidding interest rate value is higher than the bottom rate value in the group to which it belongs. It is important to note that although the users bid for the same loan portfolio, they also have different minimum bid rate values because they belong to different groups.
例如,該貸款組合的底標利率值為30,基本上應該從30開始競標,但是屬於高風險之甲群組的最低競標利率值為50,所以分類為甲群組的使用者必須從50開始競標,另外,分類為中度風險的使用者亦同,從40開始競標,而分類為低風險的使用者則可從30開始競標。For example, the loan portfolio has a base rate of 30, which should basically start from 30, but the lowest bid rate for a high-risk group is 50, so users classified as Group A must start at 50. Bidding, in addition, users classified as moderate risk are also bidding from 40, while users classified as low risk can start bidding from 30.
假設,各群組之使用者競標時的競標利率值如下:甲群組(高風險)之使用者A1透過使用者端裝置2在貸款組合中加價5元以55元競標;甲群組之使用者A2加價10元以60元競標;甲群組之使用者A3加價20元以70元競標;乙群組(中度風險)之使用者B1加價5元以45元競標;乙群組之使用者B2加價10元以50元競標;乙群組之使用者B3加價20元以60元競標;丙群組(低風險)之使用者C1加價5元以35元競標;丙群組之使用者C2加價10元以40元競標;及丙群組之使用者C3加價20元以50元競標,依據競標規則,由各群組中加碼最多的A3、B3及C3元得標,若競標規則改為由提出最高競標利率值之使用者端裝置2得標,則僅由使用者A3以最高的競標利率值70得標。Assume that the bidding interest rate values of the users of each group are as follows: Group A (high risk) user A1 uses the user device 2 to increase the price of the loan portfolio by 5 yuan to bid 55 yuan; A2 price increase of 10 yuan to 60 yuan bid; group A user A3 price 20 yuan to 70 yuan bid; group B (moderate risk) user B1 mark 5 yuan to 45 yuan bid; group B use B2 price increase of 10 yuan to 50 yuan bid; B group user B3 price increase of 20 yuan to 60 yuan bid; group C (low risk) user C1 price increase of 5 yuan to 35 yuan bid; C2 price increase of 10 yuan to 40 yuan bid; and C group user C3 increase price of 20 yuan to 50 yuan bidding, according to the bidding rules, the most up to the A3, B3 and C3 yuan in each group to win the bid, if the bidding rules change In order to be awarded by the user device 2 proposing the highest bid rate value, only the user A3 is awarded the highest bid rate value 70.
綜上所述,本創作調整信用額度查詢及登錄運作的機制,使其在使用者端裝置2在該競標單元112中信貸組合的競標活動得標後,才開始進行信用額度查詢及登錄的作業,避免出現使用者尚未正式借款,但卻發生信貸額度於聯徵中心紀錄裡被虛佔之情事,讓使用者更能靈活運用資金,故確實能達成本發明之目的。In summary, the author adjusts the credit quota inquiry and login operation mechanism to start the credit quota inquiry and login operation after the bidding activity of the credit combination of the user terminal device 2 in the bidding unit 112 is obtained. In order to avoid the fact that the user has not officially borrowed money, but the credit line is falsified in the records of the Linkage Center, the user can use the funds more flexibly, so the purpose of the present invention can be achieved.
惟以上所述者,僅為本發明之較佳實施例而已,當不能以此限定本發明實施之範圍,即大凡依本發明申請專利範圍及發明說明內容所作之簡單的等效變化與修飾,皆仍屬本發明專利涵蓋之範圍內。The above is only the preferred embodiment of the present invention, and the scope of the invention is not limited thereto, that is, the simple equivalent changes and modifications made by the scope of the invention and the description of the invention are All remain within the scope of the invention patent.
11...處理模組11. . . Processing module
12...通訊模組12. . . Communication module
111...會員登錄單元111. . . Member login unit
112...競標單元112. . . Bidding unit
113...信用額度查核單元113. . . Credit limit check unit
114...匯款處理單元114. . . Remittance processing unit
2...使用者端裝置2. . . User terminal device
3...網際網路3. . . Internet
4...信用資料庫4. . . Credit database
511~522...步驟511~522. . . step
圖1是一流程方塊圖,說明習知之一融資系統的運作流程;Figure 1 is a flow block diagram illustrating the operational flow of one of the conventional financing systems;
圖2是一系統方塊圖,說明本發明之動態核定借貸額度及其利率之貸款方法之第一及第二較佳實施例所運作的電腦伺服器;2 is a system block diagram illustrating a computer server operated by the first and second preferred embodiments of the dynamic approved debit amount and the interest rate loan method of the present invention;
圖3是一流程方塊圖,說明本發明之動態核定借貸額度及其利率之貸款方法之第一較佳實施例;及3 is a flow block diagram showing a first preferred embodiment of a loan method for dynamically approving a loan amount and an interest rate thereof; and
圖4是一流程方塊圖,說明本發明之動態核定借貸額度及其利率之貸款方法之第二較佳實施例。4 is a flow block diagram showing a second preferred embodiment of the dynamic approved loan quota and the interest rate loan method of the present invention.
511~521...步驟511~521. . . step
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CN111353876A (en) * | 2020-03-31 | 2020-06-30 | 中国建设银行股份有限公司 | Quota allocation method, device, equipment and storage medium |
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TWI676949B (en) * | 2018-09-12 | 2019-11-11 | 華南商業銀行股份有限公司 | Deposit interest rate bargaining adjustment system and method thereof |
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TWI665633B (en) * | 2017-10-19 | 2019-07-11 | 兆豐國際商業銀行股份有限公司 | Batched consumption loan processing system and batched consumption loan processing method |
CN111353876A (en) * | 2020-03-31 | 2020-06-30 | 中国建设银行股份有限公司 | Quota allocation method, device, equipment and storage medium |
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