WO2016191920A1 - 还贷处理方法和系统 - Google Patents
还贷处理方法和系统 Download PDFInfo
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- WO2016191920A1 WO2016191920A1 PCT/CN2015/080247 CN2015080247W WO2016191920A1 WO 2016191920 A1 WO2016191920 A1 WO 2016191920A1 CN 2015080247 W CN2015080247 W CN 2015080247W WO 2016191920 A1 WO2016191920 A1 WO 2016191920A1
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- repayment
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- party
- fund management
- loan
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Definitions
- the present invention relates to the field of financial technologies, and in particular, to a method and system for repaying loans.
- Traditional lending generally refers to a way of lending money to a debtor and collecting fixed income, mainly including bank lending and private lending.
- the borrower initiates the settlement demand.
- the lender intends to lend the loan to the borrower.
- the two parties reach a loan transaction through oral or written agreement. If the borrower repays the loan within the agreed time limit, the lender receives the loan principal and interest, if the borrower does not press
- the repayment period is agreed upon, and the period of recovery is unlimited.
- the advantage of traditional lending methods is that there are fixed incomes.
- the repayment period is indefinitely extended, or it is not uncommon for direct lenders to recover their loans, resulting in the proliferation of borrowing defaults.
- the lender’s funds are not guaranteed.
- the technical problem to be solved by the present invention is to provide a repayment processing method and system to improve the default cost of the first party and reduce the risk of loan funds.
- a loan repayment processing method for use in a fund management server, the method comprising the steps of:
- the remaining repayment amount is not received after the preset dunning period is exceeded, the remaining frozen funds corresponding to the silver credit card are allocated to the fund management account, and the first party's default record is synchronized to the fund management credit information system.
- the silver letter is issued by the second party with the funds of the account or the credit line as the deposit.
- An electronic commitment payment certificate that the server requests and is established by the money management server.
- a loan repayment processing system for use in a fund management server, the system comprising the following modules:
- a receiving module configured to receive a repayment of the first party
- the repayment processing module is configured to: after receiving the partial repayment of the first participant within the preset repayment period, unfreezing the partially frozen funds corresponding to the silver credit according to the repayment amount;
- the default processing module if the remaining payment is not received after the preset dunning period is exceeded, the remaining frozen funds corresponding to the silver credit card are allocated to the fund management account, and the default record of the first participant is synchronized to Fund management credit reporting system;
- the silver credit certificate is an electronic commitment payment voucher that is applied to the fund management server by the second participant with its account fund or credit line as a security deposit and is established by the fund management server.
- the loan repayment processing method and system provided by the present invention, by introducing a bank credit guarantee to conduct a loan transaction, if the first party fails to repay the loan, the frozen funds corresponding to the bank letter certificate are allocated to the fund management account, The second party bears the loss of not recovering the loan.
- the peer synchronizes the default record of the first party to the fund management credit system and enters the credit smudge, thereby increasing the default cost of the first party and reducing the risk of loan funds, making the loan transaction safer.
- FIG. 1 is a flowchart of a method for processing a loan repayment according to an embodiment of the present invention.
- FIG. 2 is a flowchart of another method for processing a loan repayment according to an embodiment of the present invention.
- FIG. 3 is a block diagram of a repayment processing system according to an embodiment of the present invention.
- FIG. 4 is a block diagram of another repayment processing system according to an embodiment of the present invention.
- the first party is a borrower.
- the second participant refers to the individual or organization that intends to initiate the loan intention to the first participant, but plays a guarantee role in the actual loan transaction.
- a money management institution is a financial institution that can support capital flows and transactions, and acts as a lender in lending transactions.
- the silver letter certificate is an electronic commitment payment certificate that the second party applies to the fund management server and is established by the fund management server with its account fund or credit line as the security deposit.
- the bank credit certificate is an electronic credit certificate that the fund management institution promises to handle the settlement and payment in accordance with the payment conditions.
- the bank letter is a kind of Internet innovation basic financial instrument paid by the credit management institution's credit commitment. It is mainly for the buyer's products.
- a money management agency is one that supports financial flows, including but not limited to banks and other financial institutions (such as securities institutions).
- the fund management server includes a bank server or other financial institution server; the fund management account includes a bank loan account or other financial institution loan account; the fund management credit system includes the People's Bank credit information system or other financial institution credit information system.
- the second participation direction fund management server applies for the establishment of the bank credit certificate as a guarantee for the loan to others, and the fund management server receives the silver letter with the amount equal to the loan amount applied by the second party. After the certificate, the corresponding amount in the second participant's account is frozen, and the loan is issued to the first participant on this condition. It should be noted that although the bank letter issued by the second party is frozen, the funds are still in the second participant's account, but the funds are in an unusable state, but it does not affect the second party's current period during the freezing period. The collection of interest.
- the balance of the second participant's account fund is 300,000, and 200,000 silver letters are issued to the fund management server and frozen, but the fund management server still calculates the current interest based on the balance of 300,000 yuan, or the fund management server. Calculate the current interest of the second party according to the balance of 100,000 yuan, and calculate the interest on the current period of the bank during the freezing of the letter.
- a repayment processing method provided by an embodiment of the present invention is applied to a fund management server, and the method includes the following steps: [0024] S101. After receiving the partial repayment of the first participant within the preset repayment period, the part of the frozen funds corresponding to the silver credit is thawed according to the repayment amount.
- the fund management server unfreezes the partially frozen funds corresponding to the bank letter, and the same, the thawed part of the frozen funds and the corresponding current interest are in the first The two participants automatically become available in the account.
- the fund management institution may promptly repay the remaining loan through the fund management server or manually, if the first participant has not returned the dunning period yet If the payment is unsuccessful, the frozen funds corresponding to the bank letter will be transferred to the fund management account to ensure that the loan funds of the fund management institution are not at risk, and the second party will bear the loss of the loan.
- the peer synchronizes the default record of the first party to the fund management credit system, and the first party can not use the credit line by recording the credit smear to the first party.
- the repayment method of the embodiment of the present invention by introducing a bank credit guarantee to conduct a loan transaction, if the first party fails to repay the loan, the frozen funds corresponding to the bank letter are allocated to the fund management account, and the second party Participants bear the loss of not recovering the loan.
- the peer synchronizes the default record of the first party to the fund management credit system and enters the credit smear, thereby increasing the default cost of the first party and reducing the risk of loan funds, making the loan transaction safer.
- a repayment processing method provided by an embodiment of the present invention is described by taking a fund management institution as a bank and a fund management server as a bank server as an example.
- the method includes the following steps:
- the silver credit certificate is an electronic commitment payment voucher that is applied to the fund management server by the second participant with its account fund or credit line as a security deposit and is established by the fund management server.
- the amount of repayment received includes All loan interest and part of the loan principal. That is to say, the loan principal (ie the funds that need to be thawed) is the first to reduce the loan interest of the loan funds from the repayment funds. Therefore, in some repayments, the loan interest is first obtained, and the subsequent calculation of the remaining repayment delay is also beneficial to the fund management institution.
- the bank may manually urge the first party to repay the loan, or may repay the remaining loan through the bank server in an all-round manner, for example, by using one or a combination of the following methods: The phone number or mobile phone preset by the participant, sending an email notification to the email address preset by the first participant, pushing the information to the software program client registered with the first participant, and sending the mobile number to the first participant's preset mobile number The short message notification, sending a QQ message to the QQ number preset by the first participant, or sending a message to the micro signal code preset by the first participant.
- step S204 If the remaining payment is received within the preset dunning period, step S204 is performed, otherwise step S205 is performed.
- S204 Unfreeze the remaining frozen funds corresponding to the silver credit, and allocate the loan interest in the second participant account and the fund management account according to a preset rule, and perform step S206.
- the interest on the current period during the freezing of the funds is automatically calculated in the second participant's account and becomes available in the frozen funds of the thawing bank letter.
- the interest on the loan is transferred to the fund management account by the same party who repaid the first party.
- the second party and the fund management agency can also separately agree on the distribution of loan benefits and redistribute according to the agreed method.
- a late payment fee for the deferred funds can also be collected for distribution.
- S205 Allocating the remaining frozen funds corresponding to the bank letter to the bank loan account, and synchronizing the first party's breach record to the bank credit information system.
- the second party and the bank allocate the loan interest according to the agreed rules. If the first participant fails to repay the loan, the bank letter will remain frozen for a fixed period (dumping period), and the bank will repay the first party if the first party completes the dunning period. Repayment of the remaining funds (bank dunning success), still unfreeze the bank letter, the second party and the bank distribute the loan interest according to the agreement; the first party does not repay the loan within the dunning period (bank dunning failed) ), then freeze the remaining of the letter The funds are transferred to the bank loan account to protect the interests of the bank. The second party is responsible for the loss of the uncollected loan.
- the same party synchronizes the default record of the first party to the fund management credit system, and enters the credit for the first party.
- the smudges make the first party unable to use the credit line and increase the default cost of the first party, thereby reducing the possibility of default of the first party, reducing the risk of borrowing funds, and making the loan transaction safer.
- a repayment processing system provided by an embodiment of the present invention is applied to a fund management server.
- the system includes the following modules:
- the receiving module 10 is configured to receive the repayment of the first party.
- the receiving module 10 may repay part of the first party within the preset repayment term.
- the repayment processing module 20 is configured to: after receiving the partial repayment of the first participant within the preset repayment period, and thawing the partially frozen funds corresponding to the silver credit according to the repayment amount, the silver credit card is 2.
- the fund management server unfreezes the partially frozen funds corresponding to the bank letter, and the same, the thawed part of the frozen funds and the corresponding current interest are in the first The two participants automatically become available in the account.
- the default processing module 30 is configured to: if the remaining payment is not received after the preset dunning period is exceeded, allocate the remaining frozen funds corresponding to the silver credit card to the fund management account, and synchronize the default record of the first participant Go to the fund management credit system.
- the default processing module 30 transfers the frozen funds corresponding to the silver credit to the fund management account to ensure the loan funds of the fund management institution. Without risk, the second party will bear the loss of the loan.
- the first party's default record is synchronized to the fund management credit system, and the first participant is not able to use the credit line by crediting the first party with credit smear.
- the bank letter in order to ensure that the first party still has a loan remaining within the preset dunning period, the bank letter can still be thawed.
- the repayment processing module 20 is also configured to: if received within a preset dunning period Remaining repayment, unfreezing the remaining frozen funds corresponding to the bank letter, and allocating loan interest in the second party account and the fund management account according to the preset rules.
- the current interest during the freezing of the funds is automatically calculated in the second participant's account and becomes available in the frozen funds of the defrosted silver letter.
- the interest on the loan is transferred to the fund management account by the same party who repaid the first party.
- the second party and the fund management agency can also separately agree on the distribution of loan benefits and redistribute according to the agreed method.
- a late payment fee for the deferred funds can also be collected for distribution.
- the system further includes a dunning module 40 configured to prompt the first party to repay the remaining loan within a predetermined reminder period.
- the dunning module 40 may be specifically configured to perform dunning by any one or more of the following combinations: dialing a telephone number or a mobile phone preset by the first participant, preset to the first participant The e-mail sends an e-mail notification, pushes the information to the software program client registered with the first participant, sends a short message notification to the mobile number preset by the first participant, sends a QQ message to the QQ number preset by the first participant, or sends a message to the first participant's preset QQ number, or The first participant presets the micro-signal to send the message.
- the dunning module 40 can be omitted by manual offline.
- the repayment system of the embodiment of the present invention by introducing a bank credit guarantee to conduct a loan transaction, if the first party does not repay the loan, the first party allocates the frozen funds corresponding to the bank letter to the fund management account, and the second Participants bear the loss of not recovering the loan.
- the peer synchronizes the default record of the first party to the fund management credit system and enters the credit smear, thereby increasing the default cost of the first party and reducing the risk of loan funds, making the loan transaction safer.
- the invention provides a smart financial lending transaction system, introduces a bank credit guarantee to conduct a loan transaction, and if the first party fails to repay the loan, the frozen fund corresponding to the bank letter is transferred to the fund management account.
- the second party is responsible for the loss of the loan.
- the peer synchronizes the default record of the first party to the fund management credit system, and by entering the credit smudge to the first party, the first party can not use the credit line, which can increase the default cost of the first party and reduce The possibility of default by the first party, thereby reducing the risk of loan funds, making the loan transaction safer. Therefore, it has industrial applicability.
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Abstract
本发明公开了一种还贷处理方法和系统，属于金融技术领域。其中，该方法包括：当超过预设还贷期限未接收到还款后，向第一参与方催还贷款；接收到第一参与方在预设的催款期限内的部分还款后，根据还款金额解冻银信证对应的部分冻结资金；接收到第二参与方代替第一参与方还清剩余还款的通知后，划拨银信证的剩余冻结资金到资金管理账户。采用本发明，通过引入银信证进行担保借贷交易，同时提供第二参与方代替第一参与方部分还款的灵活方式，能提高还贷成功的可能性，从而降低贷款资金风险，使得借贷交易更安全。
Description
说明书 发明名称：还贷处理方法和系统
技术领域
[0001] 本发明涉及金融技术领域， 尤其涉及一种还贷处理方法和系统。
背景技术
[0002] 传统的借贷一般是指将资金出借给债务人而收取固定收益的一种方式， 主要包 括银行借贷和民间借贷。 由借款方发起结算需求， 贷款人有意向贷款给借方吋 ， 双方通过口头或者书面约定达成借贷交易， 如果借款方按约定期限还款， 贷 款人收到贷款本金和利息， 如果借款方不按约定期限还款， 其追款期限无限延 长。 传统借贷方式的优点在于有固定的收益， 但由于缺乏资金担保和监管机制 ， 尤其民间借贷活动中， 还款期限无限期延长， 或者直接贷款人难以追回贷款 的事件屡见不鲜， 造成借贷违约泛滥， 贷款方资金得不到保障。
[0003] 由此可见， 现阶段需要一种改进的还贷处理方法， 以提高借款方的违约成本和 降低贷款资金风险， 使得借贷交易更安全。
技术问题
[0004] 有鉴于此， 本发明要解决的技术问题是提供一种还贷处理方法和系统，以提高 第一参与方的违约成本和降低贷款资金风险。 问题的解决方案
技术解决方案
[0005] 本发明解决上述技术问题所采用的技术方案如下：
[0006] 根据本发明的一个方面， 提供的一种还贷处理方法， 应用于资金管理服务器， 该方法包括以下步骤：
[0007] 接收到第一参与方在预设还贷期限内的部分还款后， 根据还款金额解冻银信证 对应的部分冻结资金；
[0008] 如果超过预设的催款期限后未收到剩余还款， 则划拨银信证对应的剩余冻结资 金到资金管理账户， 并将第一参与方的违约记录同步到资金管理征信系统； [0009] 其中， 银信证是由第二参与方以其账户资金或授信额度作为保证金而向资金管
理服务器申请并由资金管理服务器幵立的电子承诺支付凭证。
[0010] 根据本发明的一个方面， 提供的一种还贷处理系统， 应用于资金管理服务器， 该系统包括以下模块：
[0011] 接收模块， 设置为接收第一参与方的还款；
[0012] 还款处理模块， 设置为接收到第一参与方在预设还贷期限内的部分还款后， 根 据还款金额解冻银信证对应的部分冻结资金；
[0013] 违约处理模块， 设置如果超过预设的催款期限后未收到剩余还款， 则划拨银信 证对应的剩余冻结资金到资金管理账户， 并将第一参与方的违约记录同步到资 金管理征信系统；
[0014] 其中， 银信证是由第二参与方以其账户资金或授信额度作为保证金而向资金管 理服务器申请并由资金管理服务器幵立的电子承诺支付凭证。
发明的有益效果
有益效果
[0015] 本发明提供的还贷处理方法和系统， 通过引入银信证担保进行借贷交易， 第一 参与方如果未如约还款， 则划拨银信证对应的冻结资金到资金管理账户， 由第 二参与方承担追不回贷款的损失。 同吋将第一参与方的违约记录同步到资金管 理征信系统并录入信用污点， 从而增加第一参与方的违约成本和降低贷款资金 风险， 使得借贷交易更安全。
对附图的简要说明
附图说明
[0016] 图 1为本发明实施例提供的一种还贷处理方法的流程图。
[0017] 图 2为本发明实施例提供的另一种还贷处理方法的流程图。
[0018] 图 3为本发明实施例提供的一种还贷处理系统的模块结构图。
[0019] 图 4为本发明实施例提供的另一种还贷处理系统的模块结构图。
本发明的实施方式
[0020] 在此处键入本发明的实施方式描述段落。 为了使本发明所要解决的技术问题、
技术方案及有益效果更加清楚、 明白， 以下结合附图和实施例， 对本发明进行 进一步详细说明。 应当理解， 此处所描述的具体实施例仅仅用以解释本发明， 并不用于限定本发明。
[0021] 在本发明中， 第一参与方是借款方。 第二参与方是指有意向第一参与方发起贷 款意向的个人或组织， 但在实际借贷交易中起到了担保作用。 资金管理机构是 指能支持资金流动和交易的金融机构， 在借贷交易中起到贷款方的作用。 其中 ， 银信证是由第二参与方以其账户资金或授信额度作为保证金而向资金管理服 务器申请并由资金管理服务器幵立的电子承诺支付凭证。 银信证是资金管理机 构承诺依照解付条件办理收付结算的电子信用凭证。 银信证是以资金管理机构 信用承诺支付的一种互联网创新基础金融工具， 主要是针对买家的产品， 由卖 家下载收银台接入接口， 由买家完成银信证的幵证、 卖家完成收证并履约、 提 交解付， 最后银信证到期自动解付。 银信证不仅可以用商品购买， 也可用于抵 押担保。 资金管理机构是指能支持资金流动的机构， 包括但不限于银行和其他 金融机构 （如证券机构） 。 相应地， 资金管理服务器包括银行服务器或者其他 金融机构服务器； 资金管理账户包括银行贷款账户或者其他金融机构贷款账户 ； 资金管理征信系统包括人民银行征信系统或其他金融机构征信系统。 在本发 明中， 由第二参与方向资金管理服务器申请幵立银信证， 以此作为向他人贷款 的担保， 资金管理服务器接收到第二参与方申请幵立的具有与贷款金额等额的 银信证后， 冻结第二参与方帐户内相应的金额， 并以此为条件向第一参与方发 放贷款。 需要说明的是， 第二参与方所幵立的银信证虽然被冻结， 但资金仍然 在第二参与方帐户内， 只是资金处于不可利用的状态， 但也不影响冻结期间第 二参与方活期利息的收取。 比如说， 第二参与方账户资金余额为 30万， 向资金 管理服务器幵具了 20万的银信证并被冻结， 但资金管理服务器仍然按 30万的资 金余额计算活期利息， 或者资金管理服务器按 10万的资金余额计算第二参与方 活期利息， 并单独计算银信证冻结期间的资金活期利息。
[0022] 实施例一
[0023] 如图 1所示， 本发明实施例提供的一种还贷处理方法， 应用于资金管理服务器 ， 该方法包括以下步骤：
[0024] S101、 接收到第一参与方在预设还贷期限内的部分还款后， 根据还款金额解冻 银信证对应的部分冻结资金。
[0025] 具体地， 第一参与方在约定贷款期限内部分还款后， 资金管理服务器解冻银信 证对应的部分冻结资金， 与此同吋， 解冻的部分冻结资金和相应的活期利息在 第二参与方帐户内自动变为可利用状态。
[0026] S102、 如果超过预设的催款期限后未收到剩余还款， 则划拨银信证对应的剩余 冻结资金到资金管理账户， 并将第一参与方的违约记录同步到资金管理征信系 统。
[0027] 具体地， 在催款期限内 （比如一个月） ， 资金管理机构可以通过资金管理服务 器或者人工对第一参与方进行催还剩余贷款， 如果第一参与方超过催款期限还 没有还款 （催款失败） ， 则将银信证对应的冻结资金划拨到资金管理账户， 确 保资金管理机构的贷款资金没有风险， 由第二参与方承担追不回贷款的损失。 同吋将第一参与方的违约记录同步到资金管理征信系统， 通过给第一参与方录 入信用污点， 使第一参与方后继无法使用授信额度。
[0028] 本发明实施例的还贷方法中， 通过引入银信证担保进行借贷交易， 第一参与方 如果不如约还款， 则划拨银信证对应的冻结资金到资金管理账户， 由第二参与 方承担追不回贷款的损失。 同吋将第一参与方的违约记录同步到资金管理征信 系统并录入信用污点， 从而增加第一参与方的违约成本和降低贷款资金风险， 使得借贷交易更安全。
[0029]
[0030] 实施例二
[0031] 如图 2所示， 本发明实施例提供的一种还贷处理方法， 以资金管理机构为银行 ， 资金管理服务器为银行服务器为例进行说明， 该方法包括以下步骤：
[0032] S201、 接收到第一参与方在预设还贷期限内的部分还款后， 根据还款金额解冻 银信证对应的部分冻结资金。
[0033] 其中， 银信证是由第二参与方以其账户资金或授信额度作为保证金而向资金管 理服务器申请并由资金管理服务器幵立的电子承诺支付凭证。
[0034] 作为一种优选方案， 为了最大化资金管理机构的利益， 所收到的还款金额包括
全部贷款利息和部分贷款本金。 也就是说， 从还款资金中先减掉贷款资金的全 部贷款利息后才是还款本金 （即需要解冻的资金） 。 从而在部分还款中先拿到 贷款利息， 后继在计算剩余还款延期滞纳金吋对资金管理机构也有利。
[0035] S202、 在预设的催款期限内， 向第一参与方催还剩余贷款。
[0036] 具体地， 银行可以人工催第一参与方还剩余贷款， 也可以通过银行服务器全方 位的催还剩余贷款， 比如通过以下一种或几种方式的组合进行催还： 拨号通知 第一参与方预设的电话号码或移动电话、 向第一参与方预设的电子邮箱发送邮 件通知、 向第一参与方注册的软件程序客户端推送信息、 向第一参与方预设的 移动号码发送短信通知、 向第一参与方预设的 QQ号码发送 QQ消息、 或向第一参 与方预设的微信号码发送消息。
[0037] S203、 如果在预设的催款期限内收到剩余还款， 执行步骤 S204， 否则执行步骤 S205。
[0038] S204、 解冻银信证对应的剩余冻结资金， 并按预设的规则在第二参与方账户和 资金管理账户分配贷款利息， 执行步骤 S206。
[0039] 具体地， 由于银信证的特点， 资金冻结期间的活期利息在解冻银信证的冻结资 金吋自动计算在第二参与方帐户内并变为可用状态的。 而贷款利息则由第一参 与方还款的同吋转账到资金管理账户的。 当然， 第二参与方和资金管理机构也 完全可以另行约定贷款利益分配方式， 按照约定的方式进行再分配。 当延期还 款吋， 还可以收取延期资金的滞纳金进行分配。
[0040] S205、 划拨银信证对应的剩余冻结资金到银行贷款账户， 并将第一参与方的违 约记录同步到银行征信系统。
[0041] S206、 结束流程。
[0042] 在本实施例中， 如果第一参与方如约还款， 则解冻第二参与方所申请幵立的银 信证， 第二参与方和银行按照约定规则分配贷款利息。 如果第一参与方未如约 还款， 则银信证会在一个固定期限 （催款期限） 内保持冻结状态， 由银行向第 一参与方催还， 第一参与方如果在催款期限内完成剩余资金的还款 （银行催款 成功） ， 依然解冻银信证， 第二参与方和银行按约定分配贷款利息； 第一参与 方如果在催款期限内没有按吋还款 （银行催款失败） ， 则将银信证的剩余冻结
资金划拨到银行贷款账户保障银行的利益， 由第二参与方承担追不回贷款的损 失,同吋将第一参与方的违约记录同步到资金管理征信系统， 通过给第一参与方 录入信用污点， 使第一参与方后继无法使用授信额度， 提高第一参与方的违约 成本， 从而降低第一参与方的违约可能性， 降低借贷资金的风险， 使得借贷交 易更安全。
[0043]
[0044] 实施例三
[0045] 如图 3所示， 本发明实施例提供的一种还贷处理系统， 应用于资金管理服务器
， 该系统包括以下模块：
[0046] 接收模块 10， 设置为接收第一参与方的还款。
[0047] 具体地， 接收模块 10可以第一参与方在预设还贷期限内的部分还款。
[0048] 还款处理模块 20， 设置为接收到第一参与方在预设还贷期限内的部分还款后， 根据还款金额解冻银信证对应的部分冻结资金， 银信证是由第二参与方以其账 户资金或授信额度作为保证金而向资金管理服务器申请并由资金管理服务器幵 立的电子承诺支付凭证。
[0049] 具体地， 第一参与方在约定贷款期限内部分还款后， 资金管理服务器解冻银信 证对应的部分冻结资金， 与此同吋， 解冻的部分冻结资金和相应的活期利息在 第二参与方帐户内自动变为可利用状态。
[0050] 违约处理模块 30， 设置为如果超过预设的催款期限后未收到剩余还款， 划拨银 信证对应的剩余冻结资金到资金管理账户， 并将第一参与方的违约记录同步到 资金管理征信系统。
[0051] 具体地， 如果第一参与方超过催款期限还没有还款 （催款失败） ， 违约处理模 块 30将银信证对应的冻结资金划拨到资金管理账户， 确保资金管理机构的贷款 资金没有风险， 由第二参与方承担追不回贷款的损失。 同吋将第一参与方的违 约记录同步到资金管理征信系统， 通过给第一参与方记上信用污点， 使第一参 与方后继无法使用授信额度。
[0052] 作为一种优选方案， 为了确保第一参与方在预设的催款期限内还剩余贷款后， 银信证依然能解冻。 还款处理模块 20还设置为： 如果在预设的催款期限内收到
剩余还款， 解冻银信证对应的剩余冻结资金， 并按预设的规则在第二参与方账 户和资金管理账户分配贷款利息。
[0053] 具体地， 由于银信证的特点， 资金冻结期间的活期利息在解冻银信证的冻结资 金吋自动计算在第二参与方帐户内并变为可用状态的。 而贷款利息则由第一参 与方还款的同吋转账到资金管理账户的。 当然， 第二参与方和资金管理机构也 完全可以另行约定贷款利益分配方式， 按照约定的方式进行再分配。 当延期还 款吋， 还可以收取延期资金的滞纳金进行分配。
[0054] 如图 4所示， 在某些实施例中， 该系统还包括催款模块 40， 设置为在预设的催 款期限内， 向第一参与方催还剩余贷款。
[0055] 具体地， 催款模块 40可以具体设置为通过以下任意一种或几种组合进行催款： 拨号通知第一参与方预设的电话号码或移动电话、 向第一参与方预设的电子邮 箱发送邮件通知、 向第一参与方注册的软件程序客户端推送信息、 向第一参与 方预设的移动号码发送短信通知、 向第一参与方预设的 QQ号码发送 QQ消息、 或 向第一参与方预设的微信号发送消息。 当然， 催款模块 40可以由人工在线下进 行而省略。
[0056] 本发明实施例的还贷系统中， 通过引入银信证担保进行借贷交易， 第一参与方 如果不如约还款， 则划拨银信证对应的冻结资金到资金管理账户， 由第二参与 方承担追不回贷款的损失。 同吋将第一参与方的违约记录同步到资金管理征信 系统并录入信用污点， 从而增加第一参与方的违约成本和降低贷款资金风险， 使得借贷交易更安全。
[0057] 需要说明的是， 上述方法实施例一和实施例二中的技术特征在本系统均对应适 用， 这里不再重述。
[0058] 本领域普通技术人员可以理解实现上述实施例方法中的全部或部分步骤是可以 通过程序来控制相关的硬件完成， 所述的程序可以在存储于一计算机可读取存 储介质中， 所述的存储介质， 如 ROM/RAM、 磁盘、 光盘等。
[0059] 以上参照附图说明了本发明的优选实施例， 并非因此局限本发明的权利范围。
本领域技术人员不脱离本发明的范围和实质内所作的任何修改、 等同替换和改 进， 均应在本发明的权利范围之内。
工业实用性
本发明通过提供一种智能金融借贷交易系统， 引入银信证担保进行借贷交易， 第一参与方如果未如约还款， 则将银信证对应的冻结资金划拨到资金管理账户
， 由第二参与方承担追不回贷款的损失。 同吋将第一参与方的违约记录同步到 资金管理征信系统， 通过给第一参与方录入信用污点， 使第一参与方后继无法 使用授信额度， 能增加第一参与方的违约成本， 降低第一参与方的违约可能性 ， 从而降低贷款资金风险， 使得借贷交易更安全。 因此， 具有工业实用性。
Claims
[权利要求 1] 一种还贷处理方法， 应用于资金管理服务器， 该方法包括以下步骤： 当超过预设还贷期限未接收到还款后， 向第一参与方催还贷款； 接收到第一参与方在预设的催款期限内的部分还款后， 根据还款金额 解冻银信证对应的部分冻结资金；
接收到第二参与方代替第一参与方还清剩余还款的通知后， 划拨所述 银信证的剩余冻结资金到资金管理账户；
其中， 所述银信证是由第二参与方以其账户资金或授信额度作为保证 金而向所述资金管理服务器申请并由所述资金管理服务器幵立的电子 承诺支付凭证。
[权利要求 2] 根据权利要求 1所述的还贷处理方法， 其中， 所述向第一参与方催还 剩余贷款进一步包括：
拨号通知所述第一参与方预设的电话号码或移动电话、 向所述第一参 与方预设的电子邮箱发送邮件通知、 向所述第一参与方预设的移动号 码发送短信通知、 向所述第一参与方注册的软件程序客户端推送信息
、 向所述第一参与方预设的 QQ号码发送 QQ消息、 和 /或向所述第一 参与方预设的微信号码发送消息。
[权利要求 3] 根据权利要求 1所述的还贷处理方法， 其中， 所述方法还包括：
接收到第二参与方代替第一参与方还清剩余还款的通知后， 将所述第 二参与方代借第一参与方还贷记录同步到资金管理征信系统， 提高所 述第二参与方的信用级别。
[权利要求 4] 根据权利要求 1所述的还贷处理方法， 其中， 所述方法之后还包括： 接收到第二参与方代替第一参与方还清剩余还款的通知后， 按预设的 规则在所述第二参与方账户和所述资金管理账户分配贷款利息和滞纳 金。
[权利要求 5] 根据权利要求 1所述的还贷处理方法， 该方法还包括：
如果超过预设的催款期限后未收到还清剩余还款， 划拨银信证的剩余 冻结资金到资金管理账户， 将所述将第一参与方的违约记录同步到资
金管理征信系统， 并降低第一参与方的信用级别。
根据权利要求 1-5任意一项权利要求所述的还贷处理方法， 其中， 所 述资金管理服务器包括银行服务器或者其他金融机构服务器， 相应地 ， 所述资金管理账户包括银行贷款账户或者其他金融机构贷款账户。 一种还贷处理系统， 应用于资金管理服务器， 该系统包括以下模块： 催款模块， 设置为当超过预设还贷期限未接收到还款后， 向第一参与 方催还贷款；
第一还款处理模块， 设置为接收到第一参与方在预设的催款期限内的 部分还款后， 根据还款金额解冻银信证对应的部分冻结资金； 第二还款处理模块， 设置为接收到第二参与方代替第一参与方还清剩 余还款的通知后， 划拨银信证的剩余冻结资金到资金管理账户。 其中， 所述银信证是由第二参与方以其账户资金或授信额度作为保证 金而向所述资金管理服务器申请并由所述资金管理服务器幵立的电子 承诺支付凭证。 。
根据权利要求 7所述的还贷处理系统， 其中， 所述第二还款处理模块 还设置为：
接收到第二参与方代替第一参与方还清剩余还款的通知后， 将所述第 二参与方代借第一参与方还贷记录同步到资金管理征信系统， 提高所 述第二参与方的信用级别。
根据权利要求 7所述的还贷处理系统， 其中， 所述第二还款处理模块 还设置为：
接收到第二参与方代替第一参与方还清剩余还款的通知后， 按预设的 规则在所述第二参与方账户和所述资金管理账户分配贷款利息和滞纳 金。
根据权利要求 7-9任意一项权利要求所述的还贷处理系统， 该系统还 包括：
违约处理模块， 设置为如果超过预设的催款期限后未收到还清剩余还 款， 划拨银信证的剩余冻结资金到资金管理账户， 将所述第一参与方
的违约记录同步到资金管理征信系统， 并降低第一参与方的信用级别
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| CN103413242A (zh) * | 2013-07-24 | 2013-11-27 | 通联支付网络服务股份有限公司 | 一种非面对面交易中小企业信誉及融资信用标准系统 |
| CN104867053A (zh) * | 2015-05-29 | 2015-08-26 | 深圳市银信网银科技有限公司 | 还贷处理方法和系统 |
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| CN103413242A (zh) * | 2013-07-24 | 2013-11-27 | 通联支付网络服务股份有限公司 | 一种非面对面交易中小企业信誉及融资信用标准系统 |
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