TWI655597B - Guarantee pairing method - Google Patents

Abstract

A guarantor pairing method is implemented by a server and includes the following steps: (A) when the server receives a plurality of underwriting materials from a plurality of guarantors, the server stores the underwriting materials, each of the underwriting materials Including an underwriting amount and a share of interest; and (B) when the server receives a pairing request from the borrower and including a loan amount and an underwritten interest, the server according to the underwriting information and the a pairing request, selecting at least one underwriting portfolio containing at least one target underwriting data from the underwriting data, wherein one of the underwriting amounts in the at least one target underwriting data in each underwriting portfolio is not less than the borrowing amount, and the The sum of the interest of one of the split interest in at least one target underwriting information is not greater than the covered interest.

Description

Guarantee pairing method

The present invention relates to an online pairing method, and more particularly to a guarantor pairing method.

A secured loan means that the borrower provides the guarantor to the bank as a repayment guarantee. When the borrower fails to perform the debt, the bank has the right to require the guarantor to perform or assume the loan method for the settlement of the joint liability of the loan. The guarantor's guarantee obligation is for the bank. The purpose of the guarantee is to prevent the bank's loss from being irreparable due to the borrower's failure to perform the debt, so that the bank's rights are more fully guaranteed.

The guarantor bears the joint and several liability for its credibility and property, and the risks it bears are high. Therefore, the willingness of the average person to insure is low. In the absence of the lack of insurance, the secured loan case often cannot be successfully completed.

Accordingly, it is an object of the present invention to provide a guarantor pairing method that enhances the guarantor's willingness to insure.

Therefore, the guarantor pairing method of the present invention is implemented by a server, and the server is connected to a plurality of guarantors and a borrowing terminal via a communication network. The guarantor pairing method comprises the following steps: (A) when the server receives When a plurality of underwriting materials from the guarantee terminals are obtained, the server stores the underwriting information, each of the underwriting materials includes identification information related to a guarantor, an insured amount, and a share of interest; and (B) when When the server receives a pairing request from the borrowing end and includes a loan amount and an insured interest, the server selects at least one of the at least one of the underwriting materials according to the underwriting information and the pairing request. a coverage combination of the target underwriting data, wherein one of the underwriting amounts in the at least one target underwriting data in each underwriting portfolio is not less than the amount of the borrowing, and the interest of the split interest in the at least one target underwriting information The sum is not greater than the insured interest.

The effect of the present invention is that, by the server, the at least one underwriting combination including the at least one target underwriting data is automatically selected from the underwriting materials according to the underwriting information and the pairing request, wherein each of the underwriting portfolios The sum of the interest of the split interest in the at least one target underwriting information is not greater than the insured interest, thereby increasing the willingness of the guarantor to protect the insured interest and increasing the opportunity for the borrower to obtain a full loan, thereby creating a guarantor A win-win situation with the borrower.

1‧‧‧Server

11‧‧‧Server storage module

12‧‧‧Server communication module

13‧‧‧Server processing module

2‧‧‧guaranteed end

21‧‧‧Guaranteed input module

22‧‧‧Guaranteed communication module

23‧‧‧Guaranteed processing module

3‧‧‧Loan end

31‧‧‧Loan terminal input module

32‧‧‧Loan terminal display module

33‧‧‧Loan terminal communication module

34‧‧‧Loan terminal processing module

4‧‧‧Communication network

51~55‧‧‧Steps

Other features and effects of the present invention will be apparent from the following description of the drawings, wherein: FIG. 1 is a block diagram illustrating a servo terminal implementing the guarantor pairing method of the present invention, and via a communication network A plurality of guarantee ends and a borrowing end connected to the server; and a flowchart of FIG. 2 illustrate a first embodiment of the guarantor pairing method of the present invention.

Before the present invention is described in detail, it should be noted that in the following description, similar elements are denoted by the same reference numerals.

Referring to FIG. 1, a first embodiment of the guarantor pairing method of the present invention is implemented by a server terminal 1, which is connected to a plurality of guarantee terminals 2 and a borrowing terminal 3 via a communication network 4.

The server 1 includes a server storage module 11 for storing a plurality of underwriting data, a server communication module 12 connected to the communication network 4, and an electrical connection between the server storage module 11 and the server. The servo end processing module 13 of the communication module 12. The server 1 can provide a system platform (not shown) related to the guarantor pairing.

Each of the guarantee terminals 2 includes a guaranteed end input module 21, a guaranteed end communication module 22 connected to the communication network 4, and a guaranteed end electrically connected to the guaranteed end input module 21 and the guaranteed end communication module 22. Processing module 23. In this embodiment, each guarantee The terminal 2 can be an electronic device such as a smart phone, a tablet computer, a personal computer or a notebook computer, and the guarantee terminals 2 are respectively associated with a plurality of guarantors.

The lending terminal 3 is associated with a lender and includes a lending input module 31, a lending display module 32, a lending communication module 33 connected to the communication network 4, and an electrical connection to the lending input. The module 31, the borrowing end display module 32 and the borrowing end processing module 34 of the lending end communication module 33. In this embodiment, the lending terminal 3 can be an electronic device such as the smart phone, the tablet computer, the personal computer or the notebook computer.

Referring to Figures 1 and 2, the first embodiment of the guarantor pairing method of the present invention comprises the following steps.

In step 51, each of the guarantee processing modules 23 generates a piece of underwriting data according to an input signal from the guaranteed input module 21, and transmits the underwriting data to the server through the guarantee terminal communication module 22. . Each underwriting information contains identification information related to a guarantor, an insured amount, an underwriting period, and a share of interest.

In step 52, when the server processing module 13 receives a plurality of insurance materials from the guarantee terminals 2 via the server communication module 12, the server processing module 13 stores the insurance materials. The server storage module 11 is provided.

In step 53, the lending processing module 34 generates a pairing request according to an input signal from the lending input module 31, and transmits the pairing request through the lending terminal. The module 33 transmits the pairing request to the server 1. The pairing request includes a loan amount, a loan period consisting of at least one time period, and an underwritten interest.

In step 54, when the server processing module 13 receives the pairing request via the server communication module 12, the server processing module 13 proceeds from the underwriting data according to the underwriting data and the pairing request. Select multiple underwriting combinations that contain at least one target underwriting data. The sum of interest of one of the split interest in the at least one target underwriting information in each of the underwriting portfolios is not greater than the covered interest, and for each time period, at least one of the at least one target underwriting information in each underwriting portfolio One of the insured amount of the person is not less than the amount of the loan, and the period of coverage covers the period.

For example, if there are currently six guarantors A, B, C, D, E, and F, the underwriting materials corresponding to the guarantors A~F are as shown in Table 1, and a pairing request corresponding to a borrower includes 100. The amount of the borrowing, such as the 10-year borrowing period, and the insured interest of 110,000, the server processing module 13 may select three underwriting portfolios containing at least one target underwriting data from the underwriting data. The first underwriting portfolio includes two target underwriting materials corresponding to guarantor A and guarantor B. The second underwriting portfolio includes three target underwriting materials corresponding to guarantor C, guarantor D and guarantor E, and the third underwriting portfolio. It contains a target underwriting data corresponding to the guarantor F. In the case of the first underwriting portfolio, for each period of time, such as 10 years, the underwriting amount of the guarantor A’s target underwriting data is 700,000, and the guarantor B’s target underwriting information is one of the insured amount of 300,000. The total amount of sub-insurance (70+30=1 million) is not less than the amount of the loan, and the period of coverage (10 years) covers the period. In the case of the second underwriting portfolio, for each period of time, such as 5 years, in the first 5 years, the underwriting amount of the guarantor C’s target underwriting data is 500,000, and the guarantor’s target underwriting information is 500,000 The total amount of the segment insurance (50+50=1 million) is not less than the amount of the loan, and the period of coverage (guarantee C can be insured for 10 years and the guarantor D can be insured for 5 years) covers the period. In the 6th to 10th years, The underwriting amount of the guarantor C's target underwriting data is 500,000, and the total underwriting of the guarantor's target underwriting data of 500,000 yuan (50+50=1 million) is not less than the borrowing amount, and its underwriting period ( The guarantor C can be covered for 10 years and the guarantor E can be covered for 5 years). In the case of the third underwriting portfolio, for each period of time, such as 10 years, the total amount of coverage of the guarantor F's target underwriting data of 1 million is not less than the amount of the loan, and its underwriting period (10) Years) cover this period. It is worth mentioning that since the sum of interest (7+5=120,000) of the interest of the split interest in the two target underwriting materials corresponding to the guarantor A and the guarantor C is greater than the covered interest, it will not be selected as underwriting. In combination, the three target underwriting materials corresponding to guarantor A, guarantor D and guarantor E are also the same.

In step 55, the server processing module 13 selects a target underwriting combination having the smallest interest sum from the underwriting combinations according to the total interest of each underwriting combination, and transmits a target insurance combination via the server communication module 12. The pairing result of the target underwriting combination is included to the lending terminal 3. In the above example, the total interest of the target underwriting information corresponding to the guarantor A and the guarantor B in the first underwriting portfolio is 100,000, and the guarantor C, guarantor D and guarantor E in the second underwriting portfolio The total interest of the corresponding target underwriting data is 105,000, and the third underwriting portfolio includes the total interest of the target underwriting data corresponding to the guarantor F of 110,000. Therefore, the target underwriting combination with the smallest sum of interest is the first underwriting combination containing the target underwriting information corresponding to guarantor A and guarantor B.

In the first embodiment, the server processing module 13 automatically selects the target underwriting combination having the smallest interest sum from the insurance portfolio according to the sum of interest of each underwriting combination; however, in the present invention In other embodiments, the server processing module 13 may also transmit the insured combination to the lending terminal 3 via the server communication module 12 in step 54, so that the lending processing module 34 Underwriting The combination display is displayed on the loan terminal display module 32, and correspondingly, based on another input signal from the loan terminal input module 31, a selection request indicating a desired insurance combination is generated, and transmitted through the loan terminal communication module 33. The selection request is sent to the server 1 . At this time, in step 55, when the server processing module 13 receives the selection request from the borrowing terminal 3 via the server communication module 12, the server processes the selection. The module 13 selects, according to the selection request, the target underwriting combination that meets the desired underwriting combination from the underwriting portfolio.

It is worth mentioning that when the underwriting combination selected by the server processing module 13 in step 54 only contains one insurance combination, the server processing module 13 does not need to perform step 55, and the server processing module In step 54, the system transmits a pairing result including the unique underwriting combination to the lending terminal 3 via the server communication module 12.

The second embodiment of the guarantor pairing method of the present invention is substantially the same as the first embodiment, and the same is not in the rumor, wherein the difference is that the underwriting information transmitted in the step 51 includes the guarantor's identification information. The amount of the insured, the interest on the share, and the industry of the borrower. In addition, the pairing request transmitted in step 53 includes the loan amount, the underwritten interest, and a lender industry. Furthermore, in step 54, one of the underwriting amounts in the at least one target underwriting data in each of the underwriting portfolios selected by the server processing module 13 is not less than the borrowing amount, and the at least one target is underwritten. The total interest of the interest in the information And not greater than the insured interest, and the desired lender industry in each of the target underwriting materials is consistent with the lender's industry.

The third embodiment of the guarantor pairing method of the present invention is substantially the same as the first embodiment, and the similarity is not in the rumor, wherein the difference is that the underwriting information transmitted in the step 51 includes the guarantor's identification information. The insured amount, the interest on the split, and the level of underwriting capacity. In addition, the pairing request transmitted in step 53 includes the loan amount, the underwritten interest, and a level of ability to be insured. Moreover, in step 54, the total amount of the underwriting of the insured amount in the at least one target underwriting data in each of the underwriting portfolios selected by the server processing module 13 is not less than the borrowing amount, and the at least one target is underwritten. The sum of the interest of the split interest in the data is not greater than the insured interest, and the level of the underwriting capability in each target underwriting data is not lower than the level of the required ability to insure.

In summary, the guarantor pairing method of the present invention automatically selects, from the underwriting data, the target underwriting combination including at least one target underwriting data according to the underwriting information and the pairing request, wherein the target The sum of the interest of the split interest in the at least one target underwriting information in the underwriting portfolio is not greater than the underwritten interest, thereby increasing the guarantor's willingness to insure by dividing the interest, and increasing the borrower's opportunity to obtain a full loan. , thereby creating a win-win situation between the guarantor and the borrower. In addition, when the target underwriting portfolio contains multiple target underwriting materials, For human beings, the risks borne by each guarantor can be dispersed, and for lending institutions such as banks, the risk of lending can also be reduced, so that the object of the present invention can be achieved.

However, the above is only the embodiment of the present invention, and the scope of the invention is not limited thereto, and all the equivalent equivalent changes and modifications according to the scope of the patent application and the patent specification of the present invention are still The scope of the invention is covered.

Claims (6)

A guarantor pairing method is implemented by a server, and the server is connected to a plurality of guarantee terminals and a loan terminal via a communication network. The guarantor pairing method comprises the following steps: (A) when the server receives multiple pens When the insured materials are from the guarantee terminals, the server stores the underwriting information, each of the underwriting materials includes an insured amount, an underwriting capability level, and a share of interest; and (B) when the server receives a When the borrowing end includes a loan amount, a level of insured ability, and a matching request for the insured interest, the server selects at least one of the at least one of the underwriting data according to the underwriting information and the pairing request. a covered portfolio of target underwriting data, wherein one of the underwriting amounts in the at least one target underwriting data in each underwriting portfolio is not less than the borrowing amount, and the at least one of the at least one target underwriting data is not lower than the underwriting capacity level The level of the ability to be insured, and the sum of interest of one of the attributable interest in the at least one target underwriting information is not greater than the underwritten Information. The guarantor pairing method according to claim 1, wherein in step (B), the insurance combination selected by the server is a plurality of underwriting combinations, and the guarantor pairing method further comprises a step after the step (B) ( C) The server selects a target underwriting combination from the underwriting portfolio. The guarantor pairing method according to claim 2, wherein: in the step (B), the server further transmits the underwriting combination to the borrowing end; and In the step (C), when the server receives a selection request from the borrowing end and indicates a desired insured combination, the server selects from the insured combination according to the selection request according to the selection request. The target underwriting portfolio of the underwriting portfolio. The guarantor pairing method according to claim 2, wherein, in the step (C), the server selects the target underwriting combination having the smallest interest sum from the underwriting portfolio according to the sum of the interest of each underwriting combination. . The guarantor pairing method according to claim 1, wherein: in the step (A), each of the underwriting materials further includes a desired lender industry; and in the step (B), the pairing request further includes a lender In the industry, the desired lender industry in each of the target underwriting materials in each of the underwriting portfolios selected by the server corresponds to the lender's industry. The guarantor pairing method according to claim 1, wherein: in the step (A), each of the underwriting materials further includes an underwriting period; and in the step (B), the pairing request further comprises a period of at least one time period During the lending period, for each time period, one of the underwriting amounts of at least one of the at least one target underwriting data in each of the underwriting portfolios selected by the server is not less than the borrowing amount, and the underwriting period thereof Both are covered during this time.