1314295 九、發明說明： 【發明所屬之技術領域】 本發明係關於一種資金借資雙方之同時競標平台，尤指可使欲借款者獲得 較銀行更低的利息，以及使欲投資者獲得較銀行更高的利益之競標平台。 【先前技術】 根據行政院主計處所編訂的「中華民國行職業標準分類」的定義，凡以經 營收文存款、受託經理信託資金、辦理放款、票據貼現、票據承兒、保證、 郵政儲金匯兒、買賣金銀及外國貨幣、匯兒、投資證券、投資及買賣短期 票券暨代魏付款轉業務之行業關金融業。故金融料包括了中央銀 行、本國銀行、外國銀行業、郵政儲金匯兒業、信用合作社業、農漁會信 用部、信託投資業、典當業、證券業、融資租賃等其它業務。 上述金融業中，銀行是在法律特許下扮演間接融通功能的傳統金融單位。 銀订為了能夠持續營運下去’存放款業務之間必然要有相當的利差，以吸 收作業成本、倒帳損失及催收費用。存放款間之利差降低資金供給者之利 心收入資金需求者之利息支出，而銀行未貸放出去的數目代表未投 入應用的社會閑置資金。 銀行必屑維持相當資本及準備，以隨時準備彌補放款被倒帳後所產生的損 失，或疋因經營失敗所產生的損失。依據國際銀行協會的規定，銀行放款 5 1314295 需要放款金額百分之八的自有資本作準備，如果是擔保放款則只要以其半 數計鼻自有資本準備。因此，對高度風險趨避的存款人而言，銀行承作低 擔保此率〈如僅1_〉放款只準備了放款否分之四的資本以彌補甸帳損失 可能是不夠的。 雖然，銀行賺取利差以持續營運下去，從銀行業者來說是合理但對有处 力提供高額擔保、信用良好的借款人而言，雖然可以獲得銀行所制定的車六 優惠的借款利率。但是，這仍然是由銀行單方面所決定的，而非由競样這 種市場自由定價所決定的。糾，對存款戶而言，僅能從銀行那獲利微薄 的利息錢更是不合理。因此，傳統上由銀行依據其人為制定的存放款利 率，而藉著接收存款戶低廉的資金來源，再放款給欲借款者，不論是對存 款戶或是借款者來說’均是不合理的。 目前並無技術可用以撮合-筆資金，可以像銀行—樣分散的直接放款；此 放款取得比-般銀行擔紐款高的擔保率；纽款被舰時有—筆高於百 分之四的資本較自己先魏敏’轉触蹄存款較高的安全保障。另 -方面，也可以在-樣高的擔保率、—樣的分散放款下，讓願意承擔較高 風險的資金投資滅取較高_。這樣的技術使#料需支付銀行中介成 本，以比銀行放制較低的利率直接魏給能提供較高擔保物權的資金 需求者。 只是，對騎來說姐律_下已經習賴槪大利益下，是不太可能改 由存款戶和借款者各自透過競標這種市場自由定價機制，來決定出合理的 存放款卿。料…贿託鮮奸以在絲鱗下分職受存款戶和 6 1314295 借款者的信託，崎雙謂峨敎㈣錢較的利率。 信託業法第16條規定信託業經營章 m如 §之鱗項目中包含金錢債權及其擔保物 財產之取彳寻、管理、處分及租f。㈡財產之清理及清算二 之收取。（四）債務之履行。依此，這" -柄 9 筆貝金不僅車父銀行存款安全，並且 疋由一個政府監管的，具備法律、徵 13金&專u ’依法貞擔高標準 專業義務’當發生違失時依法貞賠償責任的信託業者管理。 信乾法第37_規定錢行為訂定對較益鄉贿有伽券者，受託 人得依有赃律之狀，發行有價轉。依此，這筆編有價證券型式， 分散、小額在資本市場上交易。 而信託業者只是贼易巾收取平台的服務f .，及其受託㈣，不需支應銀 行般大量的人事、行銷、徵信、系統成本，及高_資本金報酬。因此其 費用將遠低於利率差價。 【發明内容】 本發明之主要目的在提供一種資金借貸雙方之同時競標平台，藉著如網際 網路等的通訊管道，分別接受欲借款者和欲投資者的標單後，藉著如電腦 伺服器將借款標單中利率高者與投資標單中利率低者撮合後，而同時決定 出借款得標者、分屬於不同風險等級的投資得標者，以及借款得標者實際 借得的借款金額、實際支付的借款利率，與投資得標者實際投入的投資金 額、實際收取的投資利率。 1314295 本發明之次要目的在提供一種資金借貸雙方之同時競標平台，藉著要求參 與競標者事先簽署競標契約以及提供履約保證，以維持競標秩序。 本發明之次要目的在提供一種資金借貸雙方之同時競標平台，基於權利義 務不等者於組内競標原則下’各组均以同一名目（利息）及同一單位（利率） 競標，並欲借款者之間以利率高者勝出，欲投資者之間以利率低者勝出。 基於上述目的，提供本創作資金借貸雙方之同時競標平台。此同時競標平 台包含貧金借款模組、資金投資模組和撮合模組。資金借款模組係接收複 數筆借款標單。借款標單至少包含借款錢和借制率。t金投龍組係 接收複數筆投資標單。投資標單至少包含驗料、投人金額和投資利率。 風險等級由魅面至少分為最低風險和較高風險。撮合模組係依據得標規 則’而依序將屬於最高借款利率的借款鮮，與分狀最低驗和較高風 險且於該風險雜巾依序最低投資辨的投f標單進行撮合，並陸續決定 出屬於借款得標者的借款標單’以及屬於财得標者的投資標單。 關於本發明之優點與精神可簡由以下的剌詳述及所賴式制進一步 的瞭解。 【實施方式】 本發明資金借錢方之同時競標平台其本f上賴城業方法，彳θ事實上 由於本發明平台的運作細軒分繁雜，絕财是人讀算㈣完成的，因 此本發明是-種藉_等裝置運作的商業方法，而為專利法上所規定的 適袼標的。 8 1314295 在參與本翻資錯錢方之瞒競標平台供賴標活树後，為維 護本平台的交易秩序，借貸雙方依據事先簽訂的競標契約，單—該借款得 標者依競㈣果對全部該投資得標者依其資姐顿行契約，而接受 全部投資得標者醇先制指定之信託業者之金錢«及其擔保物權之信 託，對信託業者履行債務。 本發明資金借貸雙方之同_標平台，在電腦上所進行的商業方法，主要 是以合理_益方賴分出不同驗等_投#者，財望較低風險 要求較低報_投資者和要求較高報酬也願意承擔較高風險的投資者組 &，進而與願意提供能滿足此投資者組合報酬率的借款者加以撮合，然後 同時決定出借款得標者、分屬於不同風險等級的投資得標者，以及借款得 心者實際借得的借款金額、實際支付的借款利率，與投資得標者實際投入 的投資金額、實際收取的投資利率。底下，首先說明如何劃分出風險等級、 如何產生出上述競標結果，然後在詳細說明關於本發明平台的競標契約與 信託行為。 請麥閱第1圖，第1圖為對本發明資金借貸雙方之同時競標平台投遞標單 的示意圖。如第1圖所示，本發明資金借貸雙方之同時競標平台10可經由 網際網路或是通訊網路的通訊管道，接收投資者14a、14c、14e以及借款 者14b、14d分別透過電子裝置12c~12e所投遞的投資標單16a、16c、16e 以及借款標單16b、16d。須特別注意的是，本發明平台在數量上並沒僅限 於上述投標者，更沒有限制通訊管道的類型。 請參閱第2圖’第2圖為本發明資金借貸雙方之同時競標平台的示意圖。 1314295 如第2圖所示，本發明資金借貸雙方之同時競標平台1〇包含資金借款模組 、i金投資模組22和撮合模組24。資金借款模組20主要是用來接收複 數筆借款標單(如借款標單16b、關，而f金投龍組22主要是接收複數 筆投資標單（16a、16c、16e)。當資金借款模組20、資金投資模組22在特 定時間内截止接收標單後，撮合模組24會依據得標規則陸續決定出屬於借 款得標者的借款標單，以及屬於投資得標者的投資標單。須特別注意的是， 參與投標者在事先簽署競標契約以及其他相關保證行為後，本發明平台維 。筻廠商可以分別提供給這些參與者專屬的帳號、密碼，並在資金借款模組 2〇、資金投資模組22驗證通後過，才允許投資者14a、Uc、丨如以及借款 者14b、14d進行投標程序。 月，閱第3圖弟3圖為本發明標單之示意圖。如第3圖所示，投資標單 16a 16c、16e至少包含風險等級、投入金額和投資利率，而借款標單1此、 16d則包含借款金額、借款利率。 般而5 ’技標者所填寫的投資利率和借款利率均會參考銀行的存放款利 率’或是本料上-次聽結果。但是，可則^信的是，由於投資者不可 犯願思接收tt銀4存制轉低的利率，因此投制率不可能低於存款利 率。同樣的道理，借款者不可能接姐銀行放款稱還高的解，所以借 秋利率也不可—於放制率。由於，本平台主要是撮合雙方所投標的利 率因此观^結果應該會落在存放款利率之間。由於，必須基於借款者帥、 14d所提供的擔保品而加以審核其借款額度，所以借款標單撕、脱的借 rr人金額則必>員在此額度内。為將該次借款風險標準化以利投資人評估，在 10 1314295 =告及契約上均規定合格的擔保物，及不__與競標金額之最 -匕率如居住用不動產需為競標金額之二倍。 1 又貝標早16a、16c、16e的風險等級是本發明平台特有的設計，有了風險 專Μ計則可以達到願意承擔較高風險者享有較高的報酬率，而不願承擔 =多風險相將部分_(或稱為優先權灣)轉交給《承擔較高風險。 〜、體而D ’風險等級Α若借款得標者不按競標_支付借款利率並清 «人金額本金時，投資得標者按照不同風險等級，收取清償之優先順位。 如此-來，财崎此則丨各觀險喜好賴資者。 由於投資標單16a的擁有姻者16a獨承擔太高的風險，因此，除了 在技貧標早16a上除了填寫希望投資的投入金額為丨，_，麵以及投資利 2為3. 5%以外，將風險等級設定為最低風險。而投資標單收的擁有者投 貝者16c希望能夠藉著承擔較高的風險獲得較高的報酬，而將風險等級設 定儀驗。錄嶋14b、⑷爾細，峨嫩希望 取得的借款金額和借款利率。 請參閱第4圖，第4圖為本發明處理標單之示意圖。如第4圖所示，藉由 本發明資金借款模組20、資金投資模組22所接收的標單後，撮合模組以 在貫際進行撮合程序前’會分別按照投:_和借款利率排序，但也可以 累積相同利率的標單的總額。如第4圖所示，雜投資標單服、收的投 標順序不同，但由於投資利率均為3. 5%，所以仍被列在令至於借奸 單16b、__款物同，响娜令細注意的V： 雖然在此範例中風險等級僅分成最低風險和較高風險兩個等級，但事實上 1314295 車父向風險仍可再細分成數個級數。 - 由於’撮合她24是依賴狀最高借款卿姆w單，與分屬於最低 • a險彳風險且於風險等級修序最儲:資辦的投資標單進行撮合。 因此，從第4圖㈣覺最高借款利率的借款標單為借款標單通，而最低風 險且最低投資利率者有投資標單16a、16e，而較高風險且最低投資利率者 有投資標單此。除了投資標單16c以外，其他投資標單16a、16e、借款 h單16b均僅佔其所屬利率的部分金額。其餘金額可能屬於其他較晚完成 鲁技才示的仏單’因此暫時不列入撮合。當然，選擇投資標單伽、脱、脱 和借款標單16b可以優先被撮合，不見得非得按照投標時間順序。總之， &於投資標單16a、此、16c和借款標單撕，符合撮合模組24優先撮合 投資標單中較低利率以及借款標單中較高利率的規則，因此先進行撮合程 ‘序。 請參閱第5A〜5B圖，第5A〜5B圖為本發明撮合程序之示意圖。由於借款得 ^ 橾者實際借得的借款金額，是由分屬於不同風險等級的投資得標者按出資 比率提供之，且借款金額乘上其出資比率，則為其實際投入的投資金額。 因此’如第5A圖所示，撮合模組24在進行初步撮合前，會先按照如第4 圖所不之出資比例要求分屬於不同風險等級的投資標單16a、16e以及i6c 分別提供90%和10%的資金，亦即借款標單i6b所需的借款金額為2, 000, 〇〇〇 時，最低風險的投資標單16a、16e必須共同提供 丨’800, 〇〇〇(2, 〇〇〇, 000X0. 9) ’而較高風險的投資標單i6c則只須負擔 2〇〇’000(2, 〇〇〇, 〇〇〇 X〇. 1)。只是由於時間上較優先的投資標單16a的 1314295 1，〇〇〇,議的投入資金可以優先全額投資，但不足的_，咖則由時間上較 • 晚的投«單16e部分投資。由於較高風險者僅需提供2_Q，因此在此 - 風險等級中時間最早的投資標單版可獨自部分投資·，_，而不須其他 時間較晚者共同提供。。所以，投資標單16a、16e、16c實際投入的投資 金額分別為丨，咖，咖、_，咖、細，_，而借款標單16b實際借得的借 款金額則為其解先填寫的條麵。借賴單16b之顧其實際借得的 借款金額為其所事先填寫的借款金額，主要是因為借款者14b所提供的擔 保品一般來說是不可时_，邮必須完全滿足其所需的借款金額，而 不可僅部分撮合成功。 匕來撮。核組24將因為分屬於不同風險等級的依序最低投資利率且 糾簡合的投資標單（亦即投資標單收、收、16〇，且又能共同提供借 執‘早i6b所需的借款金額，而初步撮合投資標單im阶和借款 心羊16b在確疋在賣金上能夠滿足借款者地所需的借款金額後，還須考1314295 IX. Description of the invention: [Technical field to which the invention pertains] The present invention relates to a simultaneous bidding platform for both parties to the capital borrowing, in particular to enable the borrower to obtain lower interest rates than the bank, and to enable the investor to obtain a bank A higher interest bidding platform. [Prior Art] According to the definition of “Classification of Occupational Standards of the Republic of China” compiled by the Chief Executive Office of the Executive Yuan, all work receivable deposits, trustee trust funds, handling of loans, discounted bills, bills, guarantees, and postal savings , trading in gold and silver and foreign currency, remittance, investment securities, investment and trading of short-term tickets and the payment of business to the industry of the financial industry. Therefore, the financial materials include the Central Bank, domestic banks, foreign banking, postal savings and exchanges, credit cooperatives, agricultural and fisheries credit department, trust and investment, pawnbroking, securities, and financial leasing. Among the above-mentioned financial industries, banks are traditional financial units that play indirect financing functions under legal licensing. In order to be able to continue to operate in the future, there must be considerable spreads between the deposit business, in order to absorb operating costs, reversal losses and charge collection. The spread between the deposits reduces the interest expense of the fund provider's profit-paying demanders, while the number of banks that are not loaned out represents social idle funds that are not invested in the application. Banks must maintain considerable capital and readiness to be prepared to compensate for losses arising from the posting of their loans, or losses arising from business failures. According to the regulations of the International Banking Association, bank lending 5 1314295 requires 8 percent of the loan's own capital to prepare, and if it is a guarantee lending, it only needs half of its own capital to prepare for its own capital. Therefore, for depositors with high risk avoidance, the bank assumes a low guarantee rate. If only 1_> lending, only 4% of the capital of the loan is prepared to make up for the loss of the Dian account may not be enough. Although the bank earns a spread to continue its operations, it is reasonable for the bankers, but for those borrowers who have the ability to provide high-value guarantees and good credit, although the bank can obtain the preferential interest rate for the car six. However, this is still determined unilaterally by the bank, not by the free pricing of the market. Correction, for depositors, it is unreasonable to only profit from the bank's meager interest. Therefore, traditionally, the bank relies on its artificial deposit rate, and by accepting the low-cost source of funds from the depositors, it is unreasonable for the depositor or the borrower to lend money to the borrower. . At present, there is no technology available to match the funds, which can be like a bank-like decentralized direct lending; this lending has a higher guarantee rate than the general bank; the new payment is more than four percent The capital is higher than the security of the first Wei Min's transfer of hoof deposits. On the other hand, it is also possible to let the capital investment that is willing to bear higher risks be eliminated with a high guarantee rate and a decentralized loan. Such a technology makes it necessary to pay the bank intermediary cost, and to directly provide a higher security interest to the demander than to lower the interest rate of the bank. However, it is unlikely that the credit card and the borrower will change the market free pricing mechanism to determine a reasonable depository. It is expected that the bribe will be used for the trust of the depositors and the creditors of the 6 1314295 borrowers under the silk scales. Article 16 of the Trust Business Law stipulates that the trust business management chapter m includes the monetary claims and their collateral. The acquisition, management, disposal and rent of the property. (2) Collection of property and liquidation. (4) Performance of the debt. Accordingly, this " handle 9 penkin is not only safe for the parent bank deposit, and is regulated by a government, has the law, levy 13 gold & special u 'supreme high standard professional obligation' The management of the trust company in accordance with the law. The letter 37_ stipulates that the act of money has a confession for the benefit of the township, and the trustee has to issue a price to change according to the law. Accordingly, this type of securities is a type of securities that is decentralized and traded on the capital market. The trust business is only the service of the thief-selling platform, and its fiduciary (4), does not need to support a large number of personnel, marketing, credit, system costs, and high _ capital remuneration. Therefore, the cost will be much lower than the interest rate spread. SUMMARY OF THE INVENTION The main object of the present invention is to provide a simultaneous bidding platform for both parties to borrowing funds, and by means of a communication channel such as the Internet, respectively, accepting the bills of the borrower and the investor, respectively, by using a computer servo The machine combines the highest interest rate in the loan order with the lower interest rate in the investment list, and at the same time determines the winner of the loan, the investment winner who belongs to different risk levels, and the borrowing actually borrowed by the borrower. The amount, the actual interest rate of the borrowing, the amount of investment actually invested by the successful bidder, and the actual investment interest rate. 1314295 The secondary objective of the present invention is to provide a simultaneous bidding platform for both parties to the fund, by requesting the bidder to sign the bidding contract in advance and to provide performance guarantees to maintain the bidding order. The secondary purpose of the present invention is to provide a bidding platform for both parties to the fund, and the bidding system based on the rights and obligations of the group under the group bidding principle, each group bids for the same name (interest) and the same unit (interest rate), and wants to borrow Those who have a higher interest rate win out, and those who want to have a lower interest rate win between investors. Based on the above purposes, a simultaneous bidding platform for both parties to the creation of the funds is provided. At the same time, the bidding platform includes a poor money borrowing module, a capital investment module and a matching module. The fund borrowing module receives a plurality of loan borrowing orders. The loan document contains at least the borrowing money and the borrowing rate. t Jinlonglong Group receives multiple investment orders. The investment bill contains at least the inspection, investment amount and investment interest rate. The risk level is divided into at least the lowest risk and the higher risk by the charm. The matching module is based on the winning rules, and the borrowings belonging to the highest borrowing rate are sequentially matched, and the F-marks of the minimum and high risk of the fractal and the minimum investment of the risk rags are determined. The loan list of the winner of the loan is determined in succession and the investment document belonging to the financial winner. The advantages and spirit of the present invention will be further understood from the following detailed description and the preferred system. [Embodiment] The present invention funds the borrowing party at the same time as the bidding platform, and the quotation of the platform is based on the operation of the platform of the invention. In fact, due to the operation of the platform of the invention, the wealth is calculated by the person (4), so this book The invention is a commercial method in which the device operates, and is a suitable standard as stipulated in the patent law. 8 1314295 After participating in the bidding platform for the reinvestment of the wrong party, in order to maintain the trading order of the platform, the borrowers and the lenders are based on the bidding contract signed in advance, and the winners of the loan are in accordance with the competition (4). All the successful bidders shall accept the trust of the trustee of the designated company, the trustee of the trustee, and the trustee of the trustee. The same method as the financial platform for both the borrower and the lender of the invention, the business method carried out on the computer is mainly based on reasonable _ Yi Fang Lai separate test, etc., and the lower risk requirement is lower. And the group of investors who are willing to take higher risks and are willing to take higher risks, and then combine with the borrowers who are willing to provide the return rate of this investor, and then decide the winners of the loan, and belong to different risk levels. The successful bidder, the borrowing amount actually borrowed by the borrower, the borrowing rate actually paid, the investment amount actually invested by the successful bidder, and the actual investment interest rate. Underneath, first explain how to classify the risk level, how to produce the above bidding results, and then explain in detail the bidding contract and trust behavior about the platform of the invention. Please refer to Figure 1, which is a schematic diagram of the delivery of the standard bidding platform for both the borrowers and the borrowers of the present invention. As shown in FIG. 1 , the simultaneous bidding platform 10 of the funds lending and borrowing parties of the present invention can receive the investors 14a, 14c, 14e and the borrowers 14b and 14d respectively through the electronic device 12c via the communication channel of the Internet or the communication network. Investment orders 16a, 16c, 16e and loan documents 16b, 16d delivered by 12e. It is important to note that the platform of the present invention is not limited in number to the above bidders, nor does it limit the type of communication pipeline. Please refer to FIG. 2'. FIG. 2 is a schematic diagram of a simultaneous bidding platform for both the borrower and the lender of the present invention. 1314295 As shown in FIG. 2, the simultaneous bidding platform 1 of the fund lending and borrowing parties of the present invention includes a fund borrowing module, an i gold investment module 22 and a matching module 24. The fund borrowing module 20 is mainly used to receive a plurality of loan borrowing orders (such as the borrowing bill 16b, Guan, and the f Jinlong Group 22 mainly receives a plurality of investment bills (16a, 16c, 16e). After the module 20 and the capital investment module 22 close the receipt of the order within a certain time, the matching module 24 successively determines the loan list belonging to the borrower of the loan according to the winning bid rule, and the investment target belonging to the investment winner. Special attention must be paid to the participation of the bidders in the signing of the bidding contract and other related guarantees, the platform of the invention. The manufacturer can provide the account number and password unique to these participants, and in the capital loan module 2 After the verification and verification of the capital investment module 22, the investors 14a, Uc, and the borrowers 14b and 14d are allowed to conduct the bidding process. The third picture of the third drawing is the schematic diagram of the invention. As shown in Figure 3, the investment orders 16a 16c, 16e contain at least the risk level, the investment amount and the investment interest rate, while the loan order 1 and 16d contain the loan amount and the borrowing rate. cast Both the interest rate and the borrowing rate will refer to the bank's deposit interest rate' or the material-on-time listening results. However, the letter is believed to be because the investor is not willing to accept the interest rate of the tt silver 4 deposit. Therefore, the investment rate cannot be lower than the deposit interest rate. For the same reason, the borrower can't pick up the bank's bank loan and say that it is still a high solution, so the interest rate for the fall can not be used at the rate. Because this platform is mainly for the two parties. Therefore, the interest rate of the bid should be between the deposit interest rate. Since the loan amount must be reviewed based on the collateral provided by the borrower and the 14d, the loan order is torn or taken off. The amount must be within the quota. In order to standardize the risk of the loan to the investor evaluation, the qualified collateral is specified in 10 1314295 = the contract, and the __ and the bid amount are the most - The rate of living real estate needs to be twice the amount of bidding. 1 The risk level of the 16a, 16c, and 16e is the unique design of the platform of the present invention, and the risk specialization can achieve the willingness to bear higher risk. Higher Reward rate, not willing to bear = multi-risk phase will transfer part of _ (or called priority bay) to "take higher risk. ~, body and D' risk level Α if the borrower wins the bid does not pay according to the bid _ When the interest rate is clear and the amount of the principal is equal, the winner of the investment will receive the priority of the settlement according to the different risk levels. So - come, this is the interest of the people who are interested in the insurance. Because of the possession of the investment standard 16a 16a alone bears too high a risk, therefore, in addition to the investment in the poor early 16a, in addition to the amount of investment required to fill in the desired investment is 丨, _, face and investment profit 2 is 3.5%, the risk level is set to the lowest risk The owner of the investment receipts, 16c, hopes to obtain higher rewards by taking higher risks and set the risk level. Record 14b, (4) fine, and the amount of borrowing and borrowing interest that Minneng hopes to obtain. Please refer to FIG. 4, which is a schematic diagram of a processing list of the present invention. As shown in FIG. 4, after the funds received by the capital borrowing module 20 and the capital investment module 22 of the present invention, the matching modules are sorted according to the investment: _ and the borrowing rate before the matching process is performed continuously. , but can also accumulate the total amount of the same interest rate of the bill. As shown in Figure 4, the bidding order for the mixed investment orders is different, but since the investment rate is 3.5%, it is still listed in the order of the 16b, __ V that pays close attention: Although in this example the risk level is only divided into two levels, the lowest risk and the higher risk, in fact, the 1314295 car father can still be subdivided into several levels. - Since 'the combination of her 24 is the most dependent reliance of the franchise, the singularity of the stipulations is the lowest risk of a • • a 且 且 且 且 且 且 。 。 。 。 。 。 。 。 。 。 。 。 。 。 。 Therefore, from the 4th (4th), the borrowing order of the highest borrowing rate is the borrowing standard, while the lowest risk and the lowest investment rate have the investment orders 16a, 16e, while the higher risk and the lowest investment rate have the investment order. this. Except for the investment standard 16c, other investment orders 16a, 16e, and loan h single 16b only account for part of the interest rate. The rest of the amount may belong to other stipends that were completed later in Lutech's position and are therefore not included in the match. Of course, the choice of investment target gamma, off, off and loan order 16b can be preferentially matched, not necessarily in accordance with the bidding time sequence. In short, & tearing down the investment orders 16a, this, 16c and the borrowing order, in line with the rule that the matching module 24 preferentially matches the lower interest rate in the investment list and the higher interest rate in the borrowing order, so the first step is to carry out the combination process' sequence. Please refer to FIG. 5A to FIG. 5B, and FIG. 5A to FIG. 5B are schematic diagrams showing the combining procedure of the present invention. The amount of borrowing actually borrowed by the borrower is provided by the investment winners who belong to different risk levels according to the capital contribution ratio, and the borrowing amount is multiplied by the capital contribution ratio, which is the actual investment amount. Therefore, as shown in Figure 5A, the blending module 24 will provide 90% of the investment orders 16a, 16e and i6c respectively belonging to different risk levels according to the proportion of capital contribution as shown in Figure 4 before the preliminary combination. And 10% of the funds, that is, the loan amount required for the loan order i6b is 2,000. When the minimum risk investment indicators 16a and 16e must be jointly provided 丨 '800, 〇〇〇 (2, 〇 〇〇, 000X0. 9) 'The higher risk investment standard i6c only has to bear 2〇〇'000 (2, 〇〇〇, 〇〇〇X〇. 1). It is only because of the time priority of the investment standard 16a 1314295 1, 〇〇〇, the investment of the discussion can give priority to full investment, but the shortage of _, the coffee is more than the late investment of the single 16e part of the investment. Since the higher risk person only needs to provide 2_Q, the earliest investment document version in this risk level can be partially invested, _, without the need to provide it later. . Therefore, the investment amounts actually invested in the investment orders 16a, 16e, and 16c are 丨, 咖, 咖, _, 咖, 细, _, and the borrowing amount actually borrowed by the borrowing unit 16b is the first one for the solution. surface. The borrowing amount borrowed from the single 16b is actually the amount of the loan previously filled, mainly because the collateral provided by the borrower 14b is generally untimely _, the post must fully satisfy the borrowing required Amount, not just a partial success. Come and see. The nuclear group 24 will be required to enter the minimum investment rate of different risk levels and correct the investment indicators (that is, the investment receipts will be received, received, 16〇, and can jointly provide the loan 'early i6b required The amount of the loan, and the preliminary combination of the investment order im order and the borrowing of the sheep 16b, after confirming that the amount of the borrowing needed by the borrower can be satisfied in the sale of gold,
慮利率疋礙借款、投f雙方的要求，亦即基於底下方程式： 初步撮合珊賴標標翔率>=Σ(各摊撮合投t鮮之撮合金額x 該標單競標利率）/該筆撮合金額 舉例而言，如篦„ _ 不，由於隶咼風險和較低風險中最低投標利率的投 魏單Hx及收，其出:_分別為猶、應所以上述能共同 提i、w五額（亦即借款標單16b所需的借款金額）的投資標單伽、脱、 16c之加權標單平均利率為3.肩_3划嶋⑽）。因此，能丘同提 供借款金額投資標單16a、16e、l6c的加權標單平均利率並沒有高於借款 1314295 裇單16b所希望的借款利率3.挪，因此撮合模組％會判定，投資標單n 16e、16c的擁有者投資者14a、14e、16c列為對借款標單脱之投資得標 者’而借款標單16b的擁有者則為借款得標者。 此外’於初步撮合中，分屬於不同風險等級且於等級中最低投資利率的投 資^單16a、I6e、16c所能共同提供的資金，因超過屬於最高借款利率的 借款標單16b所需的借款金額，此未能完全或部分被撮合的投資標單脱， 可優先> 予與下-輪撮合。於初步撮合中，分屬於不同風險等級且於等級 中最低投資利麵投資標單共同提供的:核，仍無法足額滿足屬於最 高借款利率的借款標單所㈣借款金_，由相同驗等級且次低的投資 利率的投魏單補足之。在完成餘者與投資者錄合後，尚須決定實際 支付的借款利率和實際收取的投資利率。 由於’決定借款得標者和投資得標者所簽定触射的稱（亦即借款 付‘者實際支付的借款辨，與投資得標者實陳取的投資利率），可採各 g者實際契約利料於錢標辨，或是等機組邊際得翻率。當契 、⑽率等於競標利料，借款利息大於投資利息，利息收狀差額歸平台 經營者所有。如果契約利率等於該組邊際得標利率，最後撮合成功的借款 仟W單錢標利率綱於該次競標所有借款得標標單，並且，利息收付 數目相同。 當競標規贱定借款利,m w金利級人，也就是平台經營者不 賺取利率價差時’各組_利率決定方法如下： A.以最後—筆撮合得標借款標單之競標利率為全部借款標單之得標利率。 1314295 得標低風險投資標單之競標利率為全部 (借款標單應付之利息）_(其他等 B. 除最高風險等級外，以最後一筆 該風險等級投資標單之得標利率。 C. 最高風險等級資金利息收入= 級資金獲取之利息收入）。 最高風險等級資金利息收入/最高風險 D.最高風險等級資金得標利率 等級資金金額 接著’詳細論«於等級的利益交換行為。為了達成使願意承择較 風險者享有較高的報酬率，而不願承擔太多風險者驗部分報酬（或稱為 先核溢價)轉交給願意承擔較高風險者，而在實際分配從借款者1处所獲 的利心錢時’技貝標早16a、16e、16c中承受較低風險者之投資標單服 收須其所獲件的利益已需扣除優先權溢價，並將優先權溢價轉加給承 較高風險者之屬於較高風險的投資標單收。若用方程式可表達成：° U入技資標單16a、16e的收入+投資標單16c的收入 私^投資標單16a、16e實際投入的投資金額χ 〇. 9 χ (競標决定獅 利率優先權溢價）+投資標單16c實際投入的投資金額X 〇 心决疋的借款利率+優先權溢價χ〇. ⑴ 心麻_定利率為競標之標的，如果將競標之標的改為指標利率〈力 年Ί月存机利率〉之加碼數目，則競標撮合以該加碼數為之，发 丈用為借&雙构續權存續_關率變 、 收付的利紐科储卿_整。 调之内實際 如果辦之標的改為指標利率〈如基本放款利率〉之減碼數目，則競標撮 1314295 合改以指標利率減碼後餘數為之，其經濟效用如前段所述。 綜上所述，本發明資金借貸雙方之同時競標平台10，基於權利義務不等者 於組内競標原則下’各組均以同一名目（利息）及同一單位（利率）競標，並 欲借款者之間以利率高者勝出，欲投資者之間以利率低者勝出，且藉著如 第1圖所示之網際網路等的通訊管道，分別接受欲借款者和欲投資者的標 單後’藉著如電腦伺服器將借款標單中利率高者與投資標單中利率低者撮 合後，而同時決定出借款得標者、分屬於不同風險等級的投資得標者，以Considering the interest rate hindering the borrowing and the requirements of both parties, that is, based on the following formula: Initially, the standard of Shan Lai's standard rate is >=Σ(the amount of each of the combined investment and the amount of the investment x the bidding rate) For example, if the amount is the same, if 篦 „ _ no, because of the risk of the levy and the lowest bidding rate of the lower risk, the Wei single Hx and the receipt, the _: _ respectively, should be the above, can jointly mention i, w five The average interest rate of the weighted order of the investment target gamma, detach, and 16c is 3. shoulder _3 嶋 (10). Therefore, Nengqiu provides the amount of the loan amount. The average interest rate of the weighted orders of the single 16a, 16e, and l6c is not higher than the borrowing rate expected by the borrowings of 1314295 and 16b, so the matching module % will determine that the investor investors of the investment orders n 16e, 16c 14a, 14e, 16c are listed as the winners of the borrowings, and the owner of the borrowings 16b is the winner of the loan. In addition, in the preliminary combination, the points belong to different risk levels and are the lowest in the ranks. Investment interest rate investment ^ Single 16a, I6e, 16c can provide funds together For the amount of the borrowings required to exceed the borrowing target 16b belonging to the highest borrowing rate, the investment bills that are not fully or partially matched may be prioritized and combined with the next round. In the initial match, Different risk levels and the lowest investment-investment investment indicators in the hierarchy provide: the nuclear, still unable to fully meet the borrowings of the highest borrowing rate (4) the borrowings _, the same level of investment and the second lowest investment rate After completing the record of the balance between the rest and the investor, it is still necessary to determine the actual interest rate of the borrowing and the actual investment rate. Since the decision on the borrower and the successful bidder is signed, It is said that (that is, the loan payment actually paid by the borrower and the investment interest rate earned by the successful bidder) can be determined by the actual contractual profit of each party, or by the rate of the unit. When the contract and (10) rate are equal to the bidding materials, the interest on the loan is greater than the investment interest, and the interest income difference is owned by the platform operator. If the contract interest rate is equal to the marginal rate of the group, the successful loan is 单W The target rate is the same as the bidding for all the borrowings, and the number of interest payments is the same. When the bidding rules determine the profit, the mw gold class, that is, the platform operator does not earn the interest rate spread, 'each group _ The method of determining the interest rate is as follows: A. The bidding rate of the borrowing standard is the winning rate of all the borrowing documents. 1314295 The bidding interest rate of the bidding low risk investment bill is all (the interest payable by the borrowing bill) ) _ (Others B. In addition to the highest risk level, the winning interest rate of the last investment grade of the risk level. C. The highest risk level fund interest income = interest income from the level of funds obtained.) The highest risk level fund interest income / Highest risk D. The highest risk level funds are awarded the interest rate level of the funds amount followed by 'detailed» in the level of interest exchange behavior. In order to achieve a higher rate of return for those who are willing to take risks, and those who are not willing to bear too much risk, part of the compensation (or known as the first nuclear premium) is transferred to those who are willing to bear higher risks, and in actual allocation from the borrowing When the profit of the first place is 16, 16e, 16c, the investment subject of the lower risk is subject to the benefit of the obtained item, and the priority premium is deducted and the priority is given. The premium is transferred to the higher risk investors' investment receipts. If the equation can be expressed as: ° U into the technical bills 16a, 16e income + investment bill 16c income private ^ investment bills 16a, 16e actually invested in the amount of investment 〇 9. 9 χ (bidding to determine the lion interest rate priority The premium of the investment) + the investment amount of the investment target 16c actually invested X. The interest rate of the loan + the priority premium χ〇. (1) The heart rate _ the fixed interest rate is the subject of the bid, if the target of the bid is changed to the index interest rate In the year of the next month, the number of the code is levied. The bidding is based on the number of the code, and the use is used to borrow and maintain the continuation of the rights. Actually, if the target is changed to the number of reductions of the index interest rate (such as the basic lending rate), the bidding 撮 1314295 will be changed to the remainder after the indicator interest rate is reduced, and its economic utility is as described in the previous paragraph. In summary, the simultaneous bidding platform 10 of the borrowing and lending parties of the present invention, based on the rights and obligations of the group under the group bidding principle, each group bids with the same name (interest) and the same unit (interest rate), and wants the borrower The winners of the high interest rate will win, and the investors will win with the lower interest rate, and after accepting the bids of the borrowers and investors, respectively, through the communication channels such as the Internet shown in Figure 1. 'By using a computer server to combine the highest interest rate in the loan order with the lower interest rate in the investment list, and at the same time determine the winner of the loan and the investment winners of different risk levels,
及借款得標者實際借得的借款金額、實際支付的借款利率，與投資得標者 實際投入的投資金額、實際收取的投資利率。並且，也藉著要求參與競標 者事先簽署競標契約以及提供履約保證，以維持競標秩序。 最後撮合成功的低風險得標標單其競標利率適用於該次競標最高風險等級 以外所有風險等級得標標單’再計算利率差額分配給最高風險等級全體得 標標單適用此利率。And the borrowing amount actually borrowed by the borrower, the actual borrowing interest rate, the investment amount actually invested by the successful bidder, and the actual investment interest rate. Moreover, by requiring bidders to sign bidding contracts in advance and provide performance guarantees, the bidding order is maintained. Finally, the successful low-risk bidding target is applicable to the bidding rate of all risk levels except the highest risk level of the bid. The recalculated interest rate difference is allocated to the highest risk level.
若借款得標者和《得標者均_時，絲投:#得標者所擁有的投資標單 的投入金額，佔相同風險等級中每一投資標單的總額之比例，投資得標者 提供其實際狀資麵予每—借祕標者，域其他履狀投資得標 者對借款得標者依比率為共同債權人，而借款得標者憑借款契約及其擔保 物權生效’而取得實際借得的借款金額。因此，如第Μ圖所示，單一投資 標單16a與其他得標投資標單共同取得對全部借款者之債權及全部借款者 所提供的擔保物權》 對資金借款模組20傳遞借款標單前， 借款標單的擁有者必須提供經鑑價而 16 1314295 確=足崎償借款金_擔保物權。«標單之擁有人同意當信託業者收 J同^貝期收取之債權應依事先約定之風險等級優先清償予最 低風險者，且如某一清償期收取之債權如不足支付最低風險的投資標單之 =有者之本纽利絲_，較高風險的«標單之猶者w連帶清償 責任，但_清償純取讀觀優先清償敎最倾_投龍單之擁 有者之債權並加計利息。 ^貝金技胃‘早她22傳遞投f標單前，信託業者與_投資標單之擁有 者=孔4㈣’且信託如憎政府核准麟叫囉絲金方式與 =鮮之擁有料訂信託契約以集合管理。若有契約無效、不能履行或 =人違轉競標結果未全部履讀事，依賴契約峡得處分其履約保 證時’依序賠償給義的投標得標者或目絲能㈣之得標者。 單-該投資得標者係對全部借款得標者分崎金，履行競標熟，並將履 行競標契約職生之金錢債權及其擔保物猶託予信託業者，並委託其為 債權之收取。 借放仔標者雜法可以提驗償貞債，但仍需錢標㈣訂定之借款契約 支付提前解約罰款，並依比率分配予全部投資得標者。 資金借貸雙方之同賴標平台1G進—步提供查詢擔保物權鮮、查詢風險 等級約稍法、傭糊聽縣、潛在f金贿人雖機制、合格競標 人登錄機制、標單受理機制、競標期限前之警示通知、競標結果個別通知 以及競標結果公告及當事人線上查詢機制。 藉由以上較佳具體實施例之詳述，係希望能更加清楚描述本發明之特徵與 1314295 精神，而並非以上述所揭露的較佳具體實施例來對本發明之範疇加以限 制。相反地，其目的是希望能涵蓋各種改變及具相等性的安排於本發明所 欲申請之專利範圍的範疇内。 【圖式簡單說明】 第1圖為對本發明資金借貸雙方之同時競標平台投遞標單的 示意圖。 第2圖為本發明資金借貸雙方之同時競標平台的示意圖。 第3圖為本發明標單之示意圖。 第4圖為本發明處理標單之示意圖。 • 第5A〜5B圖為本發明撮合程序之示意圖。 【主要元件符號說明】 10資金借貸雙方之同時競標平台 12a~12e電子裝置 14a、14c、14e 投資者 14b、14d借款者 16a、16c、16e投資標單 16b、16d借款標單 20資金借款模組 18 1314295 22資金投資模組 24撮合模組If the winner of the loan and the winner are both _, the investment amount of the investment target owned by #得得者, the proportion of the total amount of each investment order in the same risk level, the investment winner Providing the actual title to each of the borrowers, the other bidders of the domain are eligible for the borrower to be the common creditor, and the borrower is obtained by virtue of the payment contract and its security interest. The amount of borrowing actually borrowed. Therefore, as shown in the figure, the single investment order 16a and other bid-winning investment orders jointly obtain the claims of all borrowers and the security interests provided by all borrowers. Before, the owner of the loan order must provide the price of the price and 16 1314295 = 足崎付借金_security interest. «The owner of the order agrees that the creditor's right received by the trustee should be preferentially paid to the lowest risk according to the risk level agreed in advance, and if the creditor's right received during a settlement period is insufficient, the minimum risk is paid. Single = the owner of the New Zealand _, the higher risk of the «documentary of the judging w with the settlement responsibility, but _ clearing the pure reading of the priority of the settlement of the most plunging _ the owner of the dragon's claim and add interest. ^贝金技胃's early 22 before the transfer of the f-label, the trustee and the owner of the _investment order = Kong 4 (four)' and the trust such as the government approved Lin called the silk gold method and = fresh ownership of the trust Contracts are managed by collections. If there is a contract that is invalid, cannot be fulfilled, or = the result of the violation of the bidding result is not fully read, relying on the contract to dispose of the performance of the contract, the winner of the tender will be awarded the bid winner or the winner of the target (4). Single - The successful bidder will be responsible for all the borrowers who have obtained the bid, and will fulfill the bidding and familiarity with the money claims and their collaterals in the bidding contract, and entrust them to the creditors. The borrower's miscellaneous law can be used to pay the debts, but the loan contract (4) is still required to pay the early termination penalty and be allocated to all the successful bidders according to the ratio. The fund lending and lending sides of the same platform 1G to provide the query security rights, query risk level about a little law, the commission of the county, the potential f gold bribery mechanism, the qualified bidder registration mechanism, the tender acceptance mechanism, Warning notice before the bidding period, individual notice of bidding results, announcement of bidding results and online inquiry mechanism of the parties. The features of the present invention and the preferred embodiments of the present invention are not limited by the above-described preferred embodiments. On the contrary, the intention is to cover various modifications and equivalents within the scope of the invention as claimed. [Simple Description of the Drawings] Fig. 1 is a schematic diagram of the delivery of the standard for the simultaneous bidding platform of the borrowing and lending parties of the present invention. Figure 2 is a schematic diagram of the simultaneous bidding platform for both the borrowers and the borrowers of the present invention. Figure 3 is a schematic view of a list of the invention. Figure 4 is a schematic view of the processing list of the present invention. • Figures 5A to 5B are schematic views of the combining procedure of the present invention. [Main component symbol description] 10 Simultaneous bidding platform for funds and borrowers 12a~12e Electronic devices 14a, 14c, 14e Investors 14b, 14d Borrowers 16a, 16c, 16e Investment orders 16b, 16d Borrowing bills 20 Funds borrowing module 18 1314295 22 Capital investment module 24 matching module