WO2016191948A1 - 还贷处理方法和系统 - Google Patents
还贷处理方法和系统 Download PDFInfo
- Publication number
- WO2016191948A1 WO2016191948A1 PCT/CN2015/080309 CN2015080309W WO2016191948A1 WO 2016191948 A1 WO2016191948 A1 WO 2016191948A1 CN 2015080309 W CN2015080309 W CN 2015080309W WO 2016191948 A1 WO2016191948 A1 WO 2016191948A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- repayment
- participant
- fund management
- loan
- account
- Prior art date
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Classifications
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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, and 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 the traditional lending method is that there are fixed incomes.
- the repayment period is indefinitely extended, or it is not uncommon for the direct lenders to recover the 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 part of the frozen funds corresponding to the banknote is allocated to the fund management account according to the repayment amount
- the silver credit certificate is an electronic commitment payment certificate applied by the second participant to the fund management server and held by the fund management server with the account fund or the credit line as the margin.
- a loan repayment processing system for use in a fund management server, the system comprising the following modules:
- the first repayment processing module is configured to receive, after receiving the notification that the second participant replaces the repayment of the first participant part within the preset loan term, and allocate the partial frozen funds corresponding to the banknote according to the repayment amount Go to the fund management account;
- the second repayment processing module is configured to: if the remaining repayment of the first participant is received, unfreeze the remaining frozen funds corresponding to the silver credit card;
- the default processing module is configured to: if the remaining repayment amount is not received after the preset dunning period is exceeded, allocate part of the frozen funds corresponding to the banknote to the fund management account;
- the silver credit certificate is an electronic commitment payment certificate applied by the second party to the fund management server and held by the fund management server by using the account fund or the credit line as the deposit.
- the repayment processing method and system provided by the present invention can increase the default cost of the first party by introducing a bank credit guarantee for the loan transaction, and provide the second party to replace the first party part of the repayment.
- a flexible approach that provides the possibility of repayment success, thereby reducing the risk of loan funds and making lending transactions 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. Embodiments of the invention
- the first party is the 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. , the method includes the following steps:
- the silver credit certificate is an electronic commitment payment certificate applied by the second party to the fund management server and held by the fund management server with the account fund or the credit line as the margin.
- the fund management server unfreezes the remaining frozen funds corresponding to the silver credit, and the same, the thawed remaining frozen funds and corresponding The current interest becomes available in the second participant's account.
- the fund management institution may repay the loan to the first participant through the fund management server or manually, if the first party has not repaid the loan period (If the dunning fails), the frozen funds corresponding to the bank letter will be automatically released 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 repayment processing method provided by the present invention can increase the default cost of the first party by introducing a bank credit guarantee for the loan transaction, and provide a flexible way for the second party to replace the first party part of the repayment. , to provide the possibility of repayment of loans, thereby reducing the risk of loan funds, making lending transactions safer.
- FIG. 2 a method for repaying loans according to an embodiment of the present invention, using a fund management institution as a bank
- the fund management server is an example of a bank server.
- the method includes the following steps:
- S201 Determine whether all loan funds and loan interest of the first participant within the preset repayment period are received.
- step S202 If yes, go to step S202, otherwise go to step S204.
- S202 Unfreeze all the frozen funds of the silver credit, and allocate the loan interest in the second participant account and the bank loan account according to a preset rule.
- the bank server unfreezes all remaining frozen funds corresponding to the bank letter, and the thawed frozen funds and corresponding current interest are The second participant account automatically becomes available in the account.
- the bank server allocates loan interest in the second participant account and the bank loan account according to preset rules.
- S203 Synchronize the first party to the bank credit information system according to the loan repayment record, increase the credit level of the first party, and go to step S213.
- this step can motivate the first party to actively repay the loan by increasing the credit level of the first party.
- step S204 Determine whether a notification that the second participant replaces the first participant partial payment within the preset dunning period is received, and if yes, execute step S205, otherwise step S207 is performed.
- the first participant and the second participant may reach an agreement offline, and the second participant replaces the first participant part of the repayment in the preset dunning period to provide a more flexible repayment method. Alleviate the short-term financial pressure of the first party and improve the possibility of successful loan repayment.
- S205 Allocating part of the frozen funds corresponding to the banknote according to the repayment amount to the bank loan account.
- the bank server increases the credit level of the second party to encourage the second party to actively replace the payment.
- S207 Perform a dunning to the first participant within a preset dunning period.
- 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 S208 Determine whether the remaining repayment of the first participant within the preset dunning period is received, and if yes, execute step S209, otherwise step S211 is performed.
- the bank server unfreezes the remaining frozen funds corresponding to the bank letter, and the remaining frozen funds and corresponding The current interest automatically becomes available in the second participant's account.
- S210 The loan interest is allocated in the second participant account and the bank loan account according to a preset rule, and the late payment fee in the dunning period is performed, and step S213 is performed.
- 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 bank loan account by the same party who repaid the first party.
- the second party and the bank can also agree on the allocation of loan benefits and redistribute according to the agreed method.
- the late payment fee for the deferred funds will be collected to further increase the default cost of the first party.
- S212 Synchronize the record of the first party default to the bank credit information system, and reduce the credit level of the first participant.
- the first party's default record is synchronized to the bank credit information system, and the first participant is unable to use the credit line by inputting the credit smear to the first party, thereby further improving the first party's
- the cost of default reduces the possibility of default by the first party.
- the second party and the bank allocate the loan interest according to the agreed rules. If the first party fails to repay the loan, the bank letter will remain frozen for a fixed period (the dunning period), and the bank will reimburse the first party through the labor or bank server. Repayment of the remaining funds within the dunning period (bank dunning success), the bank letter is still unfrozen, the second party and the bank distribute the loan interest and late payment fee as agreed; if the first party does not press during the dunning period ⁇ Repayment (failure of bank dunning), the remaining frozen funds corresponding to the bank letter will be transferred to the bank loan account, and the second party will bear the loss of the loan, thus protecting the interests of the bank.
- the remaining frozen funds corresponding to the silver letter will be released to the bank loan account, and the second party It is responsible for the loss of the loan, so as to ensure the interests of the bank and make the loan transaction safer.
- a repayment processing system provided by an embodiment of the present invention is applied to a fund management server, and the system includes a first repayment processing module 10, a second repayment processing module 20, and a default processing module. 30.
- the first repayment processing module 10 is configured to receive, after receiving the notification that the second participant replaces the repayment of the first participant part within the preset loan term, and allocate the partial freezing corresponding to the repayment amount according to the repayment amount. Funds to the fund management account.
- the second repayment processing module 20 is configured to, if the remaining repayment of the first participant is received, thaw the remaining frozen funds corresponding to the silver credit.
- the default processing module 30 is configured to allocate a portion of the frozen funds corresponding to the silver letter to the fund management account if the remaining payment is not received after the preset dunning period is exceeded.
- 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 late payment fee for the deferred payment may be increased.
- the second repayment module is further configured to: after thawing the remaining frozen funds corresponding to the silver credit, the loan interest is allocated in the second participant account and the fund management account according to a preset rule, and the late payment fee within the dunning period.
- 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 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 may be charged to further increase the default cost of the first party.
- the system further includes a dunning module 40 and a credit management module 50.
- the dunning module 40 is configured to repay the loan to the first participant within the preset dunning period.
- the dunning module 40 may be specifically configured to perform dunning by any one or several 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 The message is sent to the micro-signal preset by the first participant.
- the dunning module 40 can be omitted by manual offline.
- the credit management module 50 is configured to: if receiving the notification that the second participant replaces the first participant partial repayment within the preset dunning period, increase the credit level of the second participant; if the preset is exceeded After the dunning period, the remaining repayments are not received, and the record of the first party's default is synchronized to the fund management credit system to reduce the credit level of the first party.
- the credit management module 50 motivates the second party to actively repay the first party to repay by increasing the credit level of the second party.
- the first party By synchronizing the first party's default record to the fund management credit system, by entering the credit smear to the first party, the first party can not use the credit line, thereby further increasing the default cost of the first party and reducing The possibility of default by the first party.
- the present invention provides a smart financial lending transaction system, introduces a bank credit guarantee to conduct a loan transaction, can increase the default cost of the first party, and provides a second party to replace the first party part of the repayment method. It can alleviate the short-term financial pressure of the first party and improve the possibility of successful loan repayment, thereby reducing the risk of loan funds and making the loan transaction safer. In addition, by increasing the late payment fee during the dunning period and lowering the credit level after the first party defaults, the subsequent credit line cannot be used, thereby further increasing the default cost of the first party.
- the credit level of the second party is increased, and the second party is encouraged to actively repay the loan on behalf of the first party, thereby further improving the repayment success.
- the possibility Moreover, in the case of a default by the first party, the remaining frozen funds corresponding to the silver letter will be released to the bank loan account, and the second party It is responsible for the loss of the loan, so as to ensure the interests of the bank and make the loan transaction safer. Therefore, it has industrial applicability.
Abstract
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Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
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CA2987465A CA2987465C (en) | 2015-05-29 | 2015-05-29 | Repayment processing method and system |
PCT/CN2015/080309 WO2016191948A1 (zh) | 2015-05-29 | 2015-05-29 | 还贷处理方法和系统 |
Applications Claiming Priority (1)
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PCT/CN2015/080309 WO2016191948A1 (zh) | 2015-05-29 | 2015-05-29 | 还贷处理方法和系统 |
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WO2016191948A1 true WO2016191948A1 (zh) | 2016-12-08 |
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PCT/CN2015/080309 WO2016191948A1 (zh) | 2015-05-29 | 2015-05-29 | 还贷处理方法和系统 |
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WO (1) | WO2016191948A1 (zh) |
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CN109598492A (zh) * | 2018-10-15 | 2019-04-09 | 阿里巴巴集团控股有限公司 | 一种支付方法、系统、装置、终端及业务服务器 |
CN111832806A (zh) * | 2020-06-09 | 2020-10-27 | 深圳市融壹买信息科技有限公司 | 一种资金流的预测方法、装置及终端设备 |
CN112132692A (zh) * | 2020-09-27 | 2020-12-25 | 泰康保险集团股份有限公司 | 保单数据处理方法及装置、存储介质及电子设备 |
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CN112132692A (zh) * | 2020-09-27 | 2020-12-25 | 泰康保险集团股份有限公司 | 保单数据处理方法及装置、存储介质及电子设备 |
Also Published As
Publication number | Publication date |
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CA2987465A1 (en) | 2016-12-08 |
CA2987465C (en) | 2023-05-09 |
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