WO2015106611A1

WO2015106611A1 - Loan marching platform system

Info

Publication number: WO2015106611A1
Application number: PCT/CN2014/093370
Authority: WO
Inventors: 徐国良
Original assignee: 汉唐光电科技股份有限公司
Priority date: 2014-01-16
Filing date: 2014-12-09
Publication date: 2015-07-23

Abstract

A loan marching platform system includes a server and users. The server includes work application unit, member data unit, risk auditing unit and transaction marching unit. The loan marching platform system is used to make borrowers and investors loan agreement through the cloud network interface. The loan marching platform system of the present invention provides high user privacy anonymous membership, and allows the investors to choose suitable investment amount in accordance with the borrower's credit rating, so as to reduce the investment risk, ensure the investment return rate, have the advantages of guarantees free, fast and contract security, and particularly suit to small short-term investment.

Description

Lending and matching platform system

Technical field

The invention relates to an electronic financial platform system, in particular to a loan matching platform system.

Background technique

With the rapid development of social economy and information technology, people's demand for funds is increasing, and they can usually borrow or invest through banks or private lending markets. Although banks can provide safe lending or investment services with low personal or corporate risk, they must undergo strict identity review or guarantee conditions before they can conduct transactions, often causing inconvenience to individuals or businesses, and the return on investment is often not as expected. In addition, the private lending market is huge, but it lacks legal, hidden, safe, fast and trend-oriented lending services.

Generally, small investment products include funds, foreign exchange, stocks, insurance policies, etc., but all take 6 to 12 months to make a profit, and the average interest income is less than 2%. In addition, investment in venture capital and hedge funds has a quota of investment quotas, and non-general small investors can participate, and there is a potential risk of investment. In addition, in today's information-rich era, the functions that network services can provide are becoming more complex and progressive. For example, using the Internet to achieve communication through peer-to-peer technology, there is a risk of leakage of personal privacy information.

At present, in the e-finance platform, there is no strict control or treatment for risk assessment, fund collection and payment, and lending rates, and some expected returns or expected risks can be adjusted by users themselves, which often causes many loan disputes. Therefore, there is still a need for a network-funding-based loan and investment platform that provides secure, fast, completely anonymous and high returns.

Summary of the invention

The present invention provides a lending and lending platform system, comprising a server and a user, the server comprising an application working unit, a member data unit, a risk review unit and a transaction matching unit, wherein the electronic device of the user is The cloud network connection is provided by the server and the database, the loan matching platform system, providing the user to apply for becoming a lender or an investor, and recording member data of the lender and the investor to review the loan Credit rating of the person may provide the lender and the investor to perform a loan transaction combination, so that the lender and the investor pass the The cloud network reads or enters the member data.

In the server of the loan matching platform system of the present invention, the application operation unit is to provide the user to apply for membership quickly and safely; the member data unit is used for recording, maintaining and managing member data, and eliminating the security problem of the member's personal data leakage. The risk review unit is used to review and monitor the credit rating of the lender, so that each lender has a personal Personal Ranking (PFR) that provides investors with the most appropriate investment. The ratio or investment amount; and the transaction matching unit is a convenient and high-density loan combination, whereby the intermediary of the loan management, transaction security, investment efficiency and simplification of labor costs is strictly implemented under the online lending platform. .

DRAWINGS

1 is a block diagram of a lending and matching platform system according to an embodiment of the present invention.

2 is a block diagram of a lending and matching platform system in accordance with another embodiment of the present invention.

detailed description

The embodiments of the present invention will be described by way of specific examples, and those skilled in the art can readily understand the functions and features of the present invention from the disclosure of the present disclosure. Of course, the invention may also be embodied or applied in various other specific embodiments.

Please refer to FIG. 1 , which is a schematic diagram of the architecture of the loan matching platform system of the present invention. As shown in the figure, the loan matching platform system 1 includes a server 100 including an application working unit 103, a member data unit 104, and a risk review unit 105. The transaction combining unit 110, the

users

101 and 102, and the server 100 are connected through the network.

In the server of the lending and matching platform system of the present invention, the application operation unit is for providing a user to apply for becoming a lender or an investor; the member data unit is for recording the member information of the lender and the investor; the risk review unit Is used to review the credit rating of the lender; and the transaction matching unit is used to provide the lender and the investor to perform a loan transaction combination. One technical feature of the present invention is that a user connects to a server through a cloud network to achieve a loan and loan combination.

Please refer to FIG. 2 , which is another schematic diagram of the architecture diagram of the loan matching platform system of the present invention. As shown in more detail, the server 200 of the loan matching platform system 2 includes the application working unit 203 and the number of members. According to the unit 204, the risk review unit 205, the loan information unit 206, the contract review unit 207, the transaction fund management unit 208, the financial management unit 209, and the transaction matching unit 210, the loan provider 201 and the investor 202 are provided through the network connection server 200. .

In an implementation aspect, the process of applying for the operation unit to join the member includes an application step and a verification step, so that the user who has the capital requirement needs to log in to the application unit of the loan matching platform system, and after applying the application step and the verification step, member. However, if the above-mentioned application process cannot be completed, it will not be able to pass the formal membership due to the failure of the verification. You can reapply the application process after canceling the application, and you can apply again to become a full member. In the specific example, the user includes a natural person, and the application step and the verification step are applied and verified by the application condition input by the natural person, and the information of the application condition is stored in the application operation unit. The invention is characterized in that the application conditions include at least 20 years of age and have a fixed worker.

In the member data unit, the member data report includes personal identity data, a member account number, and a member password, and the member account and the member password are set by the login official member, and the account number and The password is stored in the member data unit for identification upon login to the website, and is characterized by the personal identity information such as, but not limited to, name, identity card size, nickname, phone number, address, and e-mail.

The risk review unit of the present invention is used for reviewing, updating and storing the credit rating of the lender, and the credit rating is based on the credit rating and other parameters to review the credit rating of the lender, so that the investor can follow the credit rating. The level determines the amount of investment. In an implementation aspect, the review process of the personal credit rating includes an update step and an audit step to score the credit rating of the lender after the lender provides the personal joint relevant information and is audited as correct. Level, complete the update credit rating process. However, if the audit is an error, the above update steps and audit steps cannot be completed, and the individual credit rating cannot be scored, and the invalidation is displayed in the audit process.

Credit rating is composed of complex array credit rating parameters related to personal association information, including but not limited to personal information, such as identification, age and marital status; occupational work, such as occupation , working years and professional status, etc.: proof of income, such as the average salary income in the last six months; financial proof, such as the total value of real estate, the total value of securities and the total value of motor vehicles; and financial history, such as credit cards The number of late payments, the number of credit card holders, and the number of debt transfers, etc., are scored according to the score of each credit rating of a particular lender. In a specific example, When the risk review unit audits that the credit rating of the lender is below the D level, the loan demand information issued by the lender is not opened. In addition, if the credit rating of the lender is C, the loan demand information issued by the lender may be opened, but the credit rating may be prompted and suggested.

The risk review unit of the present invention can fully understand the financial or credit status of the lender without a biased situation, and the credit rating of the lender's audit score can provide the investor with a good credit rating. As an investment target, the company determines the investment ratio and investment interest, thus helping investors to improve investment efficiency, investment strategy and reduce investment risks.

The server of the lending and matching platform system of the present invention further includes a lending information unit for providing the lender to issue capital demand information, and providing the investor with the capital demand information and the investment information. In a specific implementation manner, when a user with funds needs to apply for becoming a lender in the application operation unit and confirms the identity through the member data unit, the individual information may be provided for the risk review unit to review the credit rating level. And the fund demand information may be released by the lending information unit, and the capital demand information and the investment information are provided to the investor, so that the investor can judge and select the investment amount according to the credit rating of the lender. It is characterized in that the investment information includes an investment ratio and an interest, and the interest is calculated according to the investment ratio. In a specific example, the loan information unit divides the loan amount issued by the lender into ten equal parts, so that the investor determines the investment ratio, and can calculate the interest distribution of the profit of the investment according to the investment ratio, and displays the Information on investment ratio and interest. On the other hand, since the loan amount of the lender is set to a plurality of equal shares or proportions, the funds required by the lender can be provided by one or more investors to make the transaction match unit when the transaction is combined. One or more investors can be offered based on the proportion of investment decided by the investor.

In another specific example, the interest distribution of the investor's investment profit can be calculated by the following formula: IN=LN*((a%/12)*n), where IN represents interest, LN represents loan amount, and a represents year Interest and n indicate the loan period. For example, when the loan amount of the lender is 50,000 yuan, the loan period is 3 months, and the annual interest rate is 19.98%. If there is only one investor, the interest on the profit of the investment is calculated as 2497.5 yuan, which is rounded off. After the integer, the interest earned by the investor is 2,498 yuan; if there are two investors, when the investor invests 30,000 yuan and the investor invests 20,000 yuan, after the rounding to the whole number, the investor can The interest earned is 1,499 yuan, and the interest earned by the B investor is 999 yuan.

The server of the loan matching platform system of the present invention further comprises a contract review unit for signing the contract work of the lender and the investor, in particular, when the fundraising is completed, the bidder and the winning bid are awarded. The contractor performs the contracting operation through the contract review unit and stores the contracted items in the contract review unit for the lender and the investor to perform the loan transaction operation according to the contract, and authorizes the loan of the invention. The platform system performs related operations in which the fund transaction can operate normally. In addition, when the lender defaults, it can provide investor-related legal advice.

The server of the loan matching platform system of the present invention further comprises a transaction fund management unit for managing and monitoring the transaction of the transaction funds of the lender and the investor, the transaction of the transaction fund including the appropriation, repayment and loan processing. Specifically, under the relevant information such as the specified date, the set loan amount, the installment period, the set investment amount, the loan period and the annual interest rate, the transaction of the transaction funds is carried out, including through the transaction fund management unit. The grant operation and the repayment operation of the lender are characterized in that the grant operation and the repayment operation include the fee for the processing of the loan fee allocated in the loan transaction.

In a specific example, the loan amount and the investment amount essentially include the borrowing fee, and the borrower's borrowing fee is calculated as: CN=3,000+(LN*m*3%), and the investor's borrowing fee The calculation formula is: CN=IN*1%, where CN represents the handling fee, LN represents the loan amount, m represents the number of installments and IN represents the investment amount. For example, when the loan amount of the loanr is 50,000 yuan and the installment period is 2, if there is only one investor, the borrower's loan handling fee is 6,000 yuan, and the investor's borrowing fee is The processing fee is 500 yuan; if there are two investors, in which A investor invests 30,000 yuan and B investor invests 20,000 yuan, then A investor's borrowing fee processing fee is 300 yuan, while B investor's fee The fee for handling the loan processing fee is 200 yuan.

The server of the lending platform system of the present invention further includes a financial management unit for monitoring and processing the financial operations of the lender and the investor, the financial operations including payment, collection and bad debt processing. If the lender and the investor are funded or repaid, the financial management unit can process and record the payment and payment related operations after the loan and the merger, if the lender and the investor fail to make the appropriation or repayment on the specified date or occur In case of default, the financial management unit can monitor and process the relevant collection or bad debt processing. In an implementation aspect, when the lender fails to repay the loan on time due to the repayment period, the financial management unit may send a real-name contract action according to the transaction contract signed by the lender and the investor, and assist Follow-up services for legal advice such as investor creditor resale channels or litigation methods.

In other implementations, the server of the lending platform system of the present invention may further include, but is not limited to, a marketing unit, a planning unit, a legal unit, a system service unit, and a system maintenance unit, etc., to enable Platform users can more efficiently borrow and match through the lending platform system of the present invention.

The lending platform system of the present invention can be structured by a server and a database for a plurality of users to conduct secure and fast lending transactions through the network, and the lending and matching platform system of the present invention is mainly constructed for a peer-to-peer technology collaborative business mode. As far as the above-mentioned peer-to-peer technology is understood by those skilled in the art, it is not necessary to repeat the details here. Specifically, in the lending platform system of the present invention, the user is substantially communicatively coupled to the server by an electronic device having a network communication function, including but not limited to a tablet computer, a notebook computer, a desktop computer, Mobile phones and PDAs. In an implementation aspect, the investor can use the smart phone to view the capital demand information and the investment information through the lending platform system of the present invention, and perform a loan transaction combination.

Therefore, although in the network interface, the lending platform system of the present invention can provide efficient risk assessment and investment quality management under the most stringent lending management and monitoring, simplifying labor cost and lending operation time, and solving traditional banks. Indirect finance, complicated auditing operations and the need for guarantee conditions, have the advantages of no guarantee, fast, complete anonymity and contract guarantee, and investors can decide the investment amount and investment interest according to the credit rating of the lender, which is suitable for small investment. And it can meet the expected return on investment, and indeed solves the limitations of the current application of e-finance platform.

The illustrations of the present invention and the description of the embodiments are merely intended to be illustrative of the present invention and are not intended to limit the present invention, and may be used without departing from the spirit and scope of the invention. A person of ordinary skill in the art may implement or apply the invention in various other embodiments, but still fall within the scope of the claimed invention.

Claims

A borrowing and matching platform system, comprising a server and a user, the server comprising an application working unit, a member data unit, a risk review unit and a transaction matching unit, wherein: the user's electronic device is connected by the network through the cloud network Connecting the lending-coupling platform system executed by the server and the database, providing the user to apply to become a lender or an investor, and recording member data of the lender and the investor to review the lender's The credit rating may provide the lender and the investor to perform a loan transaction combination, so that the lender and the investor read or input the member data through the cloud network.
The loan matching platform system according to claim 1, wherein the credit rating is based on a credit rating and the like, and the credit rating of the lender is reviewed, so that the investor is ranked according to the credit rating. The level determines the amount of investment.
A loan matching platform system according to claim 1, wherein said user comprises a natural person.
The loan matching platform system according to claim 1, wherein said server further comprises a loan information unit coupled to said transaction matching unit, providing said lender with information on the release of funds, and providing said investor Resource demand information and investment information.
The loan matching platform system according to claim 4, wherein the investment information includes an investment ratio and an interest, and the interest is calculated based on the investment ratio.
The loan matching platform system according to claim 5, wherein said transaction matching unit provides one or more investors according to said investment ratio.
The loan matching platform system according to claim 1, wherein said server further comprises a contract review unit coupled to said transaction matching unit to sign a contract operation of said lender and said investor.
The loan matching platform system according to claim 1, wherein the server further comprises a transaction fund management unit coupled to the transaction matching unit to manage transaction transactions of the loaner and the investor. Including grants, repayments and loan processing fees.
The loan matching platform system according to claim 1, wherein said server further comprises a financial management unit coupled to said transaction matching unit to monitor financial operations of said lender and said investor, including payment and payment , collection and bad debt processing.
The loan matching platform system according to claim 1, wherein the member data report includes personal identity information, a member account number, and a member password.