TWM572030U - Gold deposit quality collateral supplement system - Google Patents

Abstract

A gold passbook 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. 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 rate comparison module and calculates a customer's credit rating to provide customers with multiple collateral supplements.

Description

Gold deposit quality collateral supplement system

This new type is about the system of gold deposits and pledges, and in particular, it relates to a system of supplementing collateral for gold deposits.

With the rise and fall of international gold prices, the assets of gold investors also fluctuate with the price of gold. When investors are in a hurry, but they are not willing to take profits when the price of gold rises, some banks have introduced a business that can choose to handle gold deposits.

When the international oil price remains high and the global investors are short on the US dollar, the gold market has become a safe haven for investors. If the gold passbook is used to buy the price, the current price has been around $1,100 per ounce.

However, the price of gold does not always maintain a high-end price. After the quality borrowing, if the market value of the collateral originally borrowed for the gold deposit is reduced because of the decline in the price of gold, the borrower must increase the collateral according to the regulations. Or repay part of the loan in advance.

However, the traditional gold passbook quality borrows, lacks flexibility, and when the price of gold falls sharply, it often causes trouble for borrowers. How to improve the shortcomings of the gold deposits will help borrowers use gold for quality loans and help financial stability.

This new model proposes an innovative gold deposit quality collateral supplement system.

In an embodiment of the present invention, a gold passbook 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. 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 rate comparison module and calculates a customer's credit rating to provide customers with multiple collateral supplements.

In one embodiment, the gold passbook collateral supplement system further includes a front working module connected to the gold unit price receiver to assist the customer in licensing and collateral management.

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

In one embodiment, the gold passbook collateral supplement system further includes a collateral supplement selection module coupled to the message notification module to provide a method for the customer to select multiple collateral supplements.

In one embodiment, the collateral supplement selection module includes a cash replenisher to provide the customer with cash to purchase gold to increase the amount of collateral.

In one embodiment, the collateral supplement selection module further includes a collateral replenisher connected to the cash replenisher to provide the customer with an authorized amount account to finance the purchase of gold to increase the amount of collateral.

In an embodiment, the collateral supplement selection module further includes a quality repayment device connected to the collateral replenisher to provide the customer to authorize the quota account to finance the return of part of the loan balance.

In one embodiment, the collateral supplement selection module further includes a connected interest rate calculator, a loan repayment device and a collateral replenisher to provide a customer to purchase a gold interest rate and a financing rate.

In one embodiment, the collateral supplement selection module further includes a cross-currency collateral replenisher that connects the replenishment replenisher to provide the customer to increase the collateral quantity by using the gold passbook of other currencies.

In one embodiment, the gold passbook collateral supplement system further includes a pledge execution module that connects the collateral supplement selection module to provide the customer with a pledge procedure.

In summary, the gold deposit quality collateral supplement system disclosed in the present invention can facilitate the user to use the gold passbook for quality borrowing, and when the gold market value changes, various ways of adding collateral can be provided to facilitate the user to carry out collateral. Supplement or repay part of the loan. Compared with the traditional gold quality borrowing, the new gold deposit quality collateral supplement system disclosed by the present invention not only increases the pipeline for users to supplement collateral, but also reduces the risk of quality borrowing, increases the profit of the bank, and effectively activates the financial market. Improve competitiveness.

In order to make the description of the present invention more complete and complete, reference is made to the accompanying drawings and the accompanying drawings. On the other hand, well-known elements and steps are not described in the embodiments to avoid unnecessarily limiting the present invention.

In the scope of the embodiments and claims, the description of "electrical connection" refers to a component that is indirectly electrically coupled to another component through other components, or a component that is directly electrically connected to another component without passing through other components. One component.

In the scope of the embodiments and patent applications, unless the context specifically dictates the articles, "a" and "the" may mean a single or plural. The numbers used in the steps are merely used to indicate steps for explanation, and are not intended to limit the order and the embodiments. Furthermore, the components, devices, modules, and servers used in this document may be operated in separate computer mainframes or devices, and may also operate and be integrated into one or more computer mainframes or devices. None of them depart from the spirit and scope of the present invention. In general, the components, systems, modules, and servers used in this document can occupy a certain space and can be different object entities.

Referring to FIGS. 1 through 4, FIG. 1 is a schematic diagram of a gold deposit quality collateral replenishment system 100 in accordance with an embodiment of the present invention, and FIG. 2 is before the gold deposit quality collateral supplement system. Schematic diagram of the operation module, Figure 3 is a schematic diagram of the guarantee maintenance rate comparison module of the gold deposit quality collateral supplement system, and the collateral supplement selection module of the gold deposit quality collateral supplement system Schematic diagram.

As shown in FIG. 1 , the golden deposit collateral supplement system 100 includes a front working module 110 , a gold unit price receiver 120 , a guarantee maintenance ratio comparison module 130 , a credit risk assessment module 140 , and 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 the customer in licensing and collateral management. In an embodiment, the pre-operation module 110 can include an authorization processor 112 and a collateral processor 114. The license processor 112 is used to sign a license for the account with the customer, such as a license for an overdraft account. The collateral processor 114 can effectively manage the customer's collateral for the customer's collateral, such as price evaluation, credit approval, pledge management and management of collateral.

The gold unit price receiver 120 is connected to a gold offer server 200, such as a bank's gold offer 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 rate, wherein the guarantee maintenance rate is a ratio of the collateral market value to a loan balance.

In one embodiment, the warranty maintenance rate comparison module 130 includes a loan balance receiver 132, a collateral market value calculator 134, and a guarantee maintenance rate calculator 136. The collateral market value calculator 134 is connected to the loan balance receiver 132, and the guarantee 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 via the gold, which may be received by the bank's account server or directly recorded in the gold passbook collateral supplement system 100. The balance of loans borrowed by gold is not divorced from the spirit and scope of this new model.

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

In some embodiments, in order to ensure that the loan is recyclable, the guarantee maintenance rate comparison module 130 finds that the guarantee retention rate is less than 130%, and the collateral supplement procedure will be initiated. In some embodiments, when the warranty maintenance rate comparison module 130 finds that the guarantee maintenance rate is less than 70%, the pledge procedure is initiated to avoid loss.

In addition, the credit risk assessment module 140 is coupled to the guarantee maintenance ratio comparison module 130 for calculating a customer's credit rating to provide a plurality of customer collateral supplement methods. The credit risk assessment module 140 can further determine the interest rate of financing according to the credit risk assessment of the customer.

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

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

The credit risk assessment module 140 generates customer feedback data based on the risk factor. When the risk coefficient indicates that the customer is a low-risk customer, the credit risk assessment module 140 may generate high feedback feedback data according to the risk factor corresponding to the low risk, but the new type is not limited thereto.

In this way, the credit risk assessment module 140 can provide different levels of feedback solutions according to different risk factors of the customer, and achieve the effects of risk control and improvement of customer loyalty.

The credit risk assessment module 140 can also determine whether the customer's loan information includes insurance information and determine the initial risk coefficient based on the behavioral data of the behavioral data. The credit risk assessment module 140 determines that the customer's loan information (such as credit loan information) contains insurance information (such as credit insurance), and the credit risk assessment model is based on the customer's joint behavior data (eg, no display risk event). Group 140 determines that the customer is a credit enhancement customer and determines that the customer's initial risk factor is the initial risk factor corresponding to the low risk, for example, the initial risk factor is 1.1. However, it should be noted that the credit risk assessment module 140 may also determine the initial risk coefficient of the customer as other values according to different conditions of the loan data and the insurance data, for example, the initial risk coefficient is 1.2, but not limited thereto.

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 factor based on the customer's behavior data and the initial risk factor described above. For example, when the credit risk assessment module 140 determines, according to the customer's behavior data, that a fixed period (for example, every 12 periods or other periodic periods, the period of one period can be designed according to actual needs), the credit behavior of the customer is normal. The credit risk assessment module 140 can then adjust the risk factor (eg, by 0.1). For another example, when the credit risk assessment module 140 determines that one of the behavior data is abnormal according to the customer's behavior data (for example, the expected unpaid, delayed, or associated behavior data shows the risk event, but the disclosure does not When limited, 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 risk factor of the customer according to the credit status of the customer, the credit risk assessment module 140 can further adjust the interest rate of the customer loan according to the risk factor, for example, each increment of 0.1% of the interest rate, etc., or It is to provide additional reward feedback. The credit risk assessment module 140 can timely adjust the risk coefficient of the customer according to the loan information of the customer and the behavior data of the credit behavior, and provide different interest rates or feedback to the customer according to the risk coefficient, thereby achieving risk control and enhancing 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 to supplement the collateral, and to inform the current guarantee maintenance rate.

It should be noted that the gold passbook collateral supplement system 100 can utilize the collateral supplement selection module 160 to connect to the message notification module 150 to provide a method for the customer to select multiple collateral supplements.

In some embodiments, the collateral supplement selection module 160 includes a cash replenisher 162, a collateral replenisher 164 connected to the cash replenisher 162, a quality repayment 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 collateral replenisher 168 to connect the loan repayment device 166.

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

The collateral replenisher 164 provides the customer with an authorized amount of account to finance the purchase of gold to increase the amount of collateral. The quality loan repayment device 166 provides the customer with an authorized amount account and finances the return of part of the loan balance.

The connected interest rate calculator 165 is connected to the loan repayment device 166 and the collateral replenisher 164 to provide the customer with a financing purchase rate and a financing rate. In general, the financing purchase gold interest rate is lower than the financing rate to encourage customers to increase the collateral by financing the purchase of gold. The new connected interest rate calculator 165 can also use the interest-bearing correlation function to adjust the financing to purchase the gold interest rate according to the customer's financing interest rate, wherein the interest-related relationship function: I ₂ =I ₁ F(Xi) I ₁ : financing Interest Rate I ₂ : Financing Purchase Gold Interest Rate F(Xi) : Combined Risk Calculation Function X ₁ : Credit Enhancement Parameter X ₂ : Performance Credit Behavior Parameter X ₃ : Risk Factor Module Dynamic Adjustment Parameter X ₄ : Customer Credit Behavior Feedback Parameter X ₅ : Credit 5 P parameters, including the credit, to assess the customer's credit status, the company's operating profitability or bank transactions, and the use of funds to assess whether the borrowing fund utilization plan is sensible, reasonable, and legal. Clear and specific, it is forbidden to use the funds for other purposes, the payment source is used to analyze the credibility of the source of the customer's repayment, and the source of repayment is related to the use of the borrowing funds, and the credit guarantee is evaluated. Customer's repayment source and creditor's rights (collateral), and the value and security of the collateral, and the future economic impact of the overall economic and financial situation on the customer industry And the future development of the company is analyzed and measured.

Wherein, after summing up the above various parameters, it may also be weighted, and a combined risk calculation coefficient may be obtained to adjust the financing purchase gold interest rate. For example, the parameters are located in the top 25% of the excellent customers, you can get a 2 yard interest discount, that is, the financing purchase gold interest rate can be lower than the financing rate of about 2 yards, and the top 50% of the excellent customers can get The interest discount of 1 yard, that is, the gold interest rate for financing purchase can be lower than the financing interest rate by about 1 yard. However, the new model is not limited to this. It can also adjust the financing to purchase the gold interest rate according to the number of items, with reference to the financing interest rate of the customer. They do not deviate from the spirit and scope of this new model.

In one embodiment, the collateral supplement selection module 160 further includes a cross-currency collateral replenisher 168 that is coupled to the replenisher 166 to provide the customer with the amount of the collateral in the other currency. For example, the gold stock in the US dollar gold passbook is provided with collateral supplement, or the gold in the US dollar golden passbook is converted to the Taiwan dollar gold passbook after being converted at the preferential exchange rate to provide collateral supplements, none of which Depart from the spirit and scope of this new type.

The pledge execution module 170 connects the collateral supplement selection module 160. The gold passbook collateral supplement system 100 utilizes the pledge execution module 170 to perform a pledge process and return the amount of the pledge.

In an embodiment, when the guarantee maintenance ratio comparison module 130 finds that the guarantee maintenance rate is lower than 70%, the pledge procedure may also be initiated, through the pledge execution module 170, to perform the pledge procedure, and then return the The amount of the loan.

To sum up, the gold passbook quality collateral supplement system disclosed in the present invention can facilitate users to use the gold passbook for quality borrowing, and when the market value of gold changes, various ways of adding collateral can be provided to facilitate the user to guarantee. Supplement or repay part of the loan. Compared with the traditional gold loan, the gold passbook quality collateral supplement system disclosed in the new model can not only increase the pipeline for users to supplement collateral, but also reduce the risk of quality borrowing, increase the profit of the bank, and effectively activate the financial market. To enhance competitiveness.

Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention. Any one skilled in the art can make various changes and retouchings without departing from the spirit and scope of the present invention. The scope is subject to the definition of the scope of the patent application attached.

The above and other objects, features, advantages and embodiments of the present invention will become more apparent and understood.

100‧‧‧Gold deposits by collateral supplement system

110‧‧‧Front operation module

112‧‧‧Licensing processor

114‧‧‧ collateral processor

120‧‧‧ Gold Unit Price Receiver

130‧‧‧Guarantee maintenance ratio comparison module

132‧‧‧ loan balance receiver

134‧‧‧Guaranteed Market Value Calculator

136‧‧‧Guarantee Maintenance Rate Calculator

140‧‧‧ Credit Risk Assessment Module

150‧‧‧Message Notification Module

160‧‧‧Guarantee Supplementary Module

162‧‧‧Cash replenisher

164‧‧‧Guarantee Supplement

165‧‧‧Connected Interest Rate Calculator

166‧‧‧Quality repayment

168‧‧‧ Cross-currency collateral replenisher

170‧‧‧Quality execution module

200‧‧‧ Gold Quote Server

The above and other objects, features, advantages and embodiments of the present invention will be more apparent and understood. The description of the drawings is as follows: FIG. 1 is a gold deposit quality collateral supplement system according to an embodiment of the present invention. Schematic diagram. 2 is a schematic diagram of a pre-operation module of a gold deposit quality collateral supplement system according to an embodiment of the present invention. FIG. 3 is a schematic diagram of a guarantee maintenance ratio comparison module of a gold deposit quality collateral supplement system according to an embodiment of the present invention. 4 is a schematic diagram of a collateral supplement selection module of a gold deposit quality collateral supplement system according to an embodiment of the present invention.

Claims (10)

A gold deposit quality collateral supplement system comprising: a gold unit price receiver connected to a gold quotation server to receive a gold price; a guaranteed maintenance rate comparison module connected to the gold unit price receiver to calculate a Guarantee maintenance rate, wherein the guarantee maintenance rate is a ratio of a collateral market value to a loan balance; and a credit risk assessment module is connected to the guarantee maintenance rate comparison module, and calculates a customer credit rating to provide the The customer has multiple collateral supplements. The gold passbook quality collateral replenishment system as claimed 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 supplement system as claimed 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 gold passbook collateral supplement system as claimed in claim 3 further includes a collateral supplement selection module connected to the message notification module to provide the customer with the manner of supplementing the collateral. The gold passbook collateral replenishment system as claimed in claim 4, wherein the collateral supplement selection module comprises a cash replenisher to provide the customer to purchase gold in cash to increase the amount of collateral. The gold passbook collateral replenishment system of claim 5, wherein the collateral supplement selection module further comprises a collateral replenisher connected to the cash replenisher to provide the customer with an authorized amount account , financing to buy gold to increase the number of collateral. The gold passbook collateral replenishment system according to claim 6, wherein the collateral supplement selection module further comprises a pledge replenisher connected to the collateral replenisher to provide the customer with the authorization amount type Account, financing back part of the loan balance. The gold passbook collateral replenishment system of claim 7, wherein the collateral supplement selection module further comprises a connected interest rate calculator, connecting the loan repayment device and the collateral replenisher to provide the customer A financing purchases a gold interest rate and a financing rate. The gold passbook collateral supplement system as claimed in claim 7, wherein the collateral supplement selection module further comprises a cross-currency collateral replenisher connected to the loan repayment device to provide the customer to other The gold passbook of the currency increases the amount of the collateral. The gold passbook quality collateral supplement system as claimed in claim 9 further includes a pledge execution module connected to the collateral supplement selection module to provide the customer with a pledge procedure.