TW202011330A - Gold deposit pledged loan collateral supplement system - Google Patents

Abstract

A gold deposit pledged loan collateral supplement system includes a gold unit price receiver, a guarantee maintenance rate comparison module, and a credit risk assessment module. The gold unit price receiver is connected to a gold quotation server to receive a gold price, and the guarantee maintenance rate comparison module is connected to the gold unit price receiver to calculate a guarantee maintenance rate. The guarantee maintenance rate is the ratio of the collateral value to the balance of a loan. The credit risk assessment module is connected to the guarantee maintenance rate comparison module and calculates a customer's credit rating to provide customers with multiple collateral supplement suggestions.

Description

Gold Passbook Pledge Guarantee System

The invention relates to a gold passbook loan system, and in particular to a gold passbook loan guarantee system.

With the ups and downs of the international gold price, the assets of gold investors also fluctuated with the price of gold. When investors are in a hurry, but are not willing to make a profit when the price of gold shows an upward trend, some banks have launched a business that can choose to borrow gold passbooks.

When international oil prices remain high and global investors bear the dollar, the gold market has become a safe haven for investors' funds. If the price is calculated based on the buying price of the gold passbook, the current gold price has been around US$2,100 per British dollar.

However, the price of gold has not always been able to maintain a high-end price. When the quality of gold is reduced and the market value of the collateral that was originally used for the loan of the gold passbook is reduced after the loan is borrowed, the borrower must increase the collateral according to the regulations. Or repay some loans in advance.

However, traditional gold passbooks are borrowed and lack flexibility, and when the price of gold falls sharply, it often causes trouble for borrowers. How to improve the various shortcomings of the gold loan passbook will help borrowers to use gold for loan, and help financial stability.

The present invention proposes an innovative system for replenishing collateral and collateral of gold passbooks.

In an embodiment of the present invention, a gold passbook collateral collateral supplement system includes a gold unit price receiver, a guarantee maintenance ratio comparison module, and a credit risk assessment module.

The gold unit price receiver is connected to a gold quotation server to receive a gold price, and the guarantee maintenance rate comparison module is connected to the gold unit price receiver to calculate a guarantee maintenance rate. Among them, the guarantee maintenance rate is the ratio of the market value of a collateral to the balance of a loan. The credit risk assessment module is connected to the guarantee maintenance ratio comparison module and calculates a customer's credit evaluation to provide customers with multiple collateral supplements.

In one embodiment, the gold passbook collateral collateral replenishment system further includes a pre-operation module connected to the gold unit price receiver to assist customers in licensing and collateral management.

In one embodiment, the gold passbook pledged collateral supplement system further includes a message notification module connected to the credit risk assessment module to notify customers of the guarantee maintenance rate.

In one embodiment, the gold passbook collateral collateral replenishment system further includes a collateral replenishment selection module, which is connected to the message notification module to provide customers with a choice of multiple collateral replenishment methods.

In one embodiment, the collateral replenishment selection module includes a cash replenisher to provide customers with gold in cash to increase the number of collaterals.

In one embodiment, the collateral replenishment selection module further includes a collateral replenisher, which is connected to the cash replenisher to provide customers with an authorized amount account to finance the purchase of gold to increase the number of collaterals.

In one embodiment, the collateral replenishment selection module further includes a quality loan repayment device, which is connected to the collateral replenishment device to provide customers with an authorized line account to finance the return of part of the loan balance.

In one embodiment, the collateral replenishment selection module further includes a connected interest rate calculator, which is connected to the loan repayment device and the collateral replenisher to provide customers with a financing purchase gold interest rate and a financing interest rate.

In one embodiment, the collateral replenishment selection module further includes a cross-currency collateral replenisher connected to the loan repayment device to provide customers with a gold passbook in other currencies to increase the number of collaterals.

In one embodiment, the gold passbook collateral collateral supplement system further includes a pledge right execution module, which is connected to the collateral supplement selection module to provide customers with a pledge process.

In summary, the gold passbook collateral collateral supplement system disclosed by the present invention can facilitate users to use gold passbooks for collateral borrowing, and when the market value of gold changes, it can provide a variety of ways to increase collateral for users to conduct collateral Supplement or repay part of the loan. Compared with traditional gold lending, the gold passbook collateral collateral replenishment system disclosed by the present invention can not only increase the channels for users to replenish collateral, but also reduce the risk of collateral lending, increase the profits of banks, and effectively activate the financial market. Improve competitiveness.

In order to make the description of the present invention more detailed and complete, reference may be made to the accompanying drawings and various embodiments described below. The same numbers in the drawings represent the same or similar elements. On the other hand, well-known elements and steps are not described in the embodiments to avoid unnecessary restrictions to the present invention.

In the embodiment and the scope of patent application, it refers to the description of "electrical connection", which can generally refer to an element indirectly electrically coupled to another element through other elements, or a element is directly electrically connected to another without other elements One component.

In the embodiment and the scope of applying for a patent, unless there is a special limitation on articles in the text, "a" and "the" may refer to a single one or plural ones. The numbers used in the steps are only used to indicate the steps for ease of description, not to limit the order and implementation. Furthermore, the components such as systems, devices, modules, and servers used in this article can be operated in separate computer hosts or devices, or they can be operated and integrated into one or more computer hosts or devices. None of them deviate from the spirit and scope of the present invention. Generally speaking, the systems, devices, modules, and servers used in this article can occupy a certain space and can be different item entities, but the invention is not limited thereto.

Referring to FIGS. 1 to 4, FIG. 1 is a schematic diagram of a gold passbook collateral collateral replenishment system 100 according to an embodiment of the present invention, and FIG. 2 is before the gold passbook collateral collateral replenishment system Schematic diagram of the homework module. Figure 3 is a schematic diagram of the guarantee maintenance rate comparison module of this gold passbook collateral collateral replenishment system, and Figure 4 is a collateral supplement selection module of this gold passbook collateral collateral replenishment system. Schematic.

As shown in FIG. 1, the gold passbook collateral collateral supplement system 100 includes a pre-operation module 110, a gold unit price receiver 120, a guarantee maintenance ratio comparison module 130, a credit risk assessment module 140, a The message notification module 150, a collateral supplement selection module 160, and a pledge execution module 170.

The pre-operation module 110 is connected to the gold unit price receiver 120 to assist customers in authorization and collateral management. In an embodiment, the pre-operation module 110 may include an authorized processor 112 and a collateral processor 114. The license processor 112 is used to sign a license for a quota account with a customer, for example, a license for an overdraft account. The collateral processor 114 can carry out valuation, credit verification, pledge management, and management of collateral related to the client's collateral to effectively manage the client's collateral.

The gold unit price receiver 120 is connected to a gold quotation server 200, such as a bank's gold quotation management server, for receiving a gold price of the bank. The guarantee maintenance ratio comparison module 130 is connected to the gold unit price receiver 120 to calculate a guarantee maintenance ratio, wherein the guarantee maintenance ratio is the ratio of a collateral market value to a loan balance.

In one embodiment, the guarantee maintenance ratio comparison module 130 includes a loan balance receiver 132, a collateral market value calculator 134, and a guarantee maintenance ratio calculator 136. The collateral market value calculator 134 is connected to the loan balance receiver 132, and the guaranty maintenance rate calculator 136 is connected to the collateral market value calculator 134.

The loan balance receiver 132 receives the current loan balance of the customer through the gold loan, which may be received from the bank's account server or directly recorded by the customer in the gold passbook loan collateral supplement system 100 The loan balance of gold loans does not deviate from the spirit and scope of the present invention.

The collateral market value calculator 134 calculates the current market value of the collateral based on the gold price and the quantity of the collateral. The guarantee maintenance ratio calculator 136 divides the market value of the collateral by the loan balance and calculates the guarantee maintenance ratio.

In some embodiments, in order to ensure that the loan is recoverable, when the guarantee maintenance ratio comparison module 130 finds that the guarantee maintenance ratio is lower than 130%, it will start the collateral supplement process. In some embodiments, when the guarantee maintenance ratio comparison module 130 finds that the guarantee maintenance ratio is lower than 70%, it will start the pledge process to avoid loss.

In addition, the credit risk assessment module 140 is connected to the guarantee maintenance ratio comparison module 130 for calculating a customer's credit evaluation, so as to provide customers with a plurality of collateral supplement methods. The credit risk assessment module 140 can also determine the financing interest rate based on the customer's credit risk assessment.

The credit risk assessment module 140 may generate the risk coefficient of the customer according to the customer's loan information and behavior information. For example, the credit risk assessment module 140 receives customer loan data and one or more behavior data (such as credit behavior data), and stores the received loan data and one or more behavior data in the memory of the module , And based on the loan data and one or more behavioral data, the risk coefficient of the customer is generated to calculate the customer as a high-risk customer or a low-risk customer.

In an embodiment, the above behavior data may be one or more of mortgage loan behavior data, credit behavior data, debit card behavior data, credit card behavior data, other bank transaction product behavior data and joint collection behavior data, but this The disclosure content is not limited to this.

The credit risk assessment module 140 generates customer feedback data according to the risk factor. When the risk coefficient shows that the customer is a low-risk customer, the credit risk assessment module 140 can generate high-return feedback data according to the corresponding low-risk risk coefficient, but the invention is not limited to this.

In this way, the credit risk assessment module 140 can give different levels of feedback solutions according to different risk factors of customers, and at the same time achieve the effects of risk control and customer loyalty enhancement.

The credit risk assessment module 140 can also determine whether the customer's loan data includes insurance data and determine the initial risk coefficient based on the joint behavior data of the behavior data. The credit risk assessment module 140 judges that the customer's loan data (such as credit loan data) contains insurance data (such as credit protection insurance), and according to the customer's joint levy behavior data is good (such as no display of risk events), the credit risk assessment module Group 140 judges that the customer is a credit enhanced customer, and determines that the customer's initial risk coefficient is the initial risk coefficient corresponding to the low risk, for example, the initial risk coefficient is 1.1. However, it should be noted that the credit risk assessment module 140 can also determine the customer's initial risk coefficient to be other values according to different conditions of the loan data and insurance data, for example, the initial risk coefficient is 1.2, but it is not limited to this.

Among them, the greater the risk coefficient represents low-risk customers, and the greater the risk coefficient represents high-risk customers.

The credit risk assessment module 140 adjusts the risk coefficient according to the customer's behavior data and the initial risk coefficient. For example, when the credit risk assessment module 140 determines that the customer's credit behavior is normal within a fixed period (for example, every 12 periods or other periodic numbers, the period of a period can be designed according to actual needs) based on the customer's behavior data, Then, the credit risk assessment module 140 may adjust the risk factor (for example, increase by 0.1). For another example, when the credit risk assessment module 140 judges that one of the behavior data is abnormal based on the customer's behavior data (such as expected unpaid, delayed, or joint behavior data showing a risk event, this disclosure does not Limit), the credit risk assessment module 140 reduces the risk factor by 0.1 (returns to the initial risk factor).

After the credit risk assessment module 140 determines the customer’s risk factor based on the customer’s credit status, the credit risk assessment module 140 can further adjust the interest rate of the customer’s loan based on the risk factor, such as reducing the interest rate by half a yard for every 0.1 increase, or Is to provide additional rewards. The credit risk assessment module 140 can timely adjust the customer's risk coefficient according to the customer's loan data and credit behavior data, and provide different interest rates or feedback to the customer according to the risk coefficient, thus achieving risk control and improving customer loyalty Effect.

In addition, the message notification module 150 is connected to the credit risk assessment module 140 to notify the customer when the customer needs to be notified of supplementary collateral and to inform the current guarantee maintenance rate.

It is worth noting that the collateral replenishment system 100 can use the collateral replenishment selection module 160 connected to the message notification module 150 to provide customers with a choice of multiple collateral replenishment methods.

In some embodiments, the collateral replenishment selection module 160 includes a cash replenisher 162, a collateral replenisher 164 connected to the cash replenisher 162, a pledged loan repayment device 166 connected to the collateral replenisher 164, and a related The interest rate calculator 165 is connected to the loan repayment device 166 and the collateral replenisher 164 and a cross-currency guarantee replenishment device 168 is connected to the loan repayment device 166.

The cash replenisher 162 provides customers with gold purchases in cash to increase the amount of collateral.

The collateral supplement 164 provides customers with an authorized amount account to finance the purchase of gold to increase the number of collateral. The quality loan repayment device 166 provides customers with an authorized amount account to finance and refund part of the loan balance.

The related interest rate calculator 165 is connected to the loan repayment device 166 and the collateral supplement 164 to provide the customer with a financing purchase gold interest rate and a financing interest rate. Generally speaking, the interest rate for buying gold through financing is lower than the financing interest rate to encourage customers to purchase gold through financing and increase collateral. The related interest rate calculator 165 of the present invention can also use the interest calculation related function to adjust the financing purchase gold interest rate according to the customer's financing interest rate, where the interest calculation related function: I ₂ =I ₁ F(Xi) I ₁ : financing Interest rate I ₂ : Financing purchase gold interest rate F(Xi): Portfolio risk calculation function X ₁ : Credit enhancement parameter X ₂ : Performance credit behavior parameter X ₃ : Risk coefficient module dynamic adjustment parameter X ₄ : Customer credit behavior feedback parameter X ₅ : The five P parameters of the credit, which includes the credit account (People), to assess the customer's credit status, the company's operating profitability or the situation with the bank, and the purpose of the fund (Purpose) to assess whether the loan fund utilization plan is reasonable, reasonable, and legal , Clear and concrete and feasible, avoid misappropriation of funds for other purposes, repayment source (Payment) to analyze the credibility of the customer's repayment source, and the repayment source has its relevance to the use of borrowing funds, and the guarantee of debt (Protection) to evaluate Customers' repayment sources and claims (collateral), and appraisal of the value and security of the collateral, as well as the future outlook (Perspective) The overall economic and financial situation on the client's industry-specific impact, and the future development of the company to analyze and measure .

Among them, after the above parameters are added together, it can also be weighted, and a combination risk calculation coefficient can be obtained to adjust the gold purchase interest rate for financing. For example, the top 25% rated customers with various parameters can get a 2 yard interest discount, that is, the financing purchase gold rate can be lower than the financing rate by about 2 yards, while the top 50% rated customers can get 1 yard interest discount, that is, the interest rate for the purchase of gold can be lower than the financing rate by about 1 yard, but the present invention is not limited to this, it can also adjust the financing purchase rate of gold based on the number of items and with reference to the customer's financing interest rate , Which does not depart from the spirit and scope of the present invention.

In one embodiment, the collateral replenishment selection module 160 further includes a cross-currency collateral replenisher 168 connected to the loan repayment device 166 to provide customers with a gold passbook in other currencies to increase the quantity of the collateral. For example, if the gold stock in the U.S. dollar gold passbook is used to provide collateral supplements, or if the gold in the U.S. dollar gold passbook is converted at a preferential exchange rate, it is transferred to the Taiwanese dollar gold passbook to provide collateral supplements. Departs from the spirit and scope of the present invention.

The pledge execution module 170 is connected to the collateral supplement selection module 160. The gold bankbook pledged collateral replenishment system 100 uses the pledged execution module 170 to perform the pledged process, and then returns the amount lent.

In one embodiment, when the guarantee maintenance rate comparison module 130 finds that the guarantee maintenance rate is less than 70%, it can also start the pledge process, through the pledge execution module 170, to perform the pledge process, and then return the The amount of the loan.

In summary, the gold passbook collateral collateral supplement system disclosed by the present invention can facilitate users to use gold passbooks for collateral borrowing, and when the market value of gold changes, it can provide a variety of ways to increase collateral for users to guarantee Supplement or repay part of the loan. Compared with the traditional gold lending, the gold passbook collateral collateral replenishment system disclosed by the present invention can not only increase the channels for users to replenish collateral, but also reduce the risk of collateral lending, increase the profits of banks, and effectively activate the financial market. To enhance competitiveness.

Although the present invention has been disclosed as above in an embodiment, it is not intended to limit the present invention. Anyone who is familiar with this art can make various modifications and retouching without departing from the spirit and scope of the present invention, so the protection of the present invention The scope shall be as defined in the appended patent application scope.

In order to make the above and other objects, features, advantages and embodiments of the present invention more obvious and understandable, the attached symbols are described as follows: 100: Gold passbook collateral loan supplement system 110: pre-operation module 112: authorization Processor 114: collateral processor 120: gold unit price receiver 130: guarantee maintenance ratio comparison module 132: loan balance receiver 134: collateral market value calculator 136: guarantee maintenance ratio calculator 140: credit risk assessment module 150 : Message notification module 160: collateral replenishment selection module 162: cash replenisher 164: collateral replenisher 165: related interest rate calculator 166: loan repayment device 168: cross-currency collateral replenisher 170: quality Right execution module 200: gold quote server

In order to make the above-mentioned and other objects, features, advantages and embodiments of the present invention more obvious and understandable, the drawings are described as follows: FIG. 1 is a system for replenishing collaterals and guarantees of gold passbooks according to an embodiment of the present invention Schematic. FIG. 2 is a schematic diagram of a pre-installed operation module of a system for replenishing collateral of a gold passbook according to an embodiment of the present invention. FIG. 3 is a schematic diagram of a guarantee maintenance rate comparison module of a gold passbook collateral collateral supplement system according to an embodiment of the invention. FIG. 4 is a schematic diagram of a collateral replenishment selection module of a collateral collateral replenishment system for a gold passbook according to an embodiment of the present invention.

100: Supplementary system of collateral borrowed by gold passbook

110: front operation module

120: Gold unit price receiver

130: Guarantee maintenance ratio comparison module

140: Credit risk assessment module

150: Message notification module

160: collateral supplement selection module

170: Pledge execution module

200: Gold quote server

Claims (10)

A gold passbook quality loan collateral replenishment system, including: a gold unit price receiver connected to a gold quotation server to receive a gold price; a guarantee maintenance rate comparison module connected to the gold unit price receiver to calculate a Guarantee maintenance ratio, where the guarantee maintenance ratio is the ratio of a collateral market value to a loan balance; and a credit risk assessment module, connected to the guarantee maintenance ratio comparison module, and calculating a customer’s credit evaluation to provide the Multiple ways for customers to add collateral. The gold passbook collateral collateral replenishment system as described in claim 1 further includes a pre-operation module connected to the gold unit price receiver to assist the customer in licensing and collateral management. The gold passbook collateral collateral supplement system as described in claim 1 further includes a message notification module connected to the credit risk assessment module to notify the customer of the guarantee maintenance rate. The collateral replenishment system for gold passbook collateral borrowing as described in claim 3 further includes a collateral replenishment selection module connected to the message notification module to provide the customer with the choice of these collateral replenishment methods. The collateral replenishment system for gold deposit passbook collateral as described in claim 4, wherein the collateral replenishment selection module includes a cash replenisher to provide the customer with gold in cash to increase the quantity of collateral. The gold passbook pledged collateral replenishment system as described in claim 5, wherein the collateral replenishment selection module further includes a collateral replenisher, connected to the cash replenisher, to provide the customer with an authorized amount account , Financing the purchase of gold to increase the amount of collateral. The gold passbook pledged collateral replenishment system as described in claim 6, wherein the collateral replenishment selection module further includes a pledged loan repayment device, which is connected to the collateral replenishment device to provide the customer with the authorized amount type Account, financing and refund part of the loan balance. The gold passbook pledged collateral replenishment system as described in claim 7, wherein the collateral replenishment selection module further includes a connected interest rate calculator, connected to the pledged loan repayment device and the collateral replenisher to provide the customer One financing purchase gold interest rate and one financing interest rate. The gold passbook pledged collateral replenishment system as described in claim 7, wherein the collateral replenishment selection module further includes a cross-currency collateral replenisher, connected to the pledged loan repayer to provide the customer with other The currency passbook of gold increases the amount of the collateral. The gold passbook collateral collateral replenishment system as described in claim 9 further includes a pledge execution module connected to the collateral replenishment selection module to provide the client with a pledge process.

Images