WO2016191972A1 - 借贷方法和借贷系统 - Google Patents

借贷方法和借贷系统 Download PDF

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Publication number
WO2016191972A1
WO2016191972A1 PCT/CN2015/080385 CN2015080385W WO2016191972A1 WO 2016191972 A1 WO2016191972 A1 WO 2016191972A1 CN 2015080385 W CN2015080385 W CN 2015080385W WO 2016191972 A1 WO2016191972 A1 WO 2016191972A1
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WO
WIPO (PCT)
Prior art keywords
participant
loan
fund management
management server
credit
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Application number
PCT/CN2015/080385
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English (en)
French (fr)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to CA2987299A priority Critical patent/CA2987299C/en
Priority to PCT/CN2015/080385 priority patent/WO2016191972A1/zh
Publication of WO2016191972A1 publication Critical patent/WO2016191972A1/zh

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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
    • G06Q30/00—Commerce

Definitions

  • the present invention relates to the field of electronic information technology, and in particular, to a lending method and a lending system.
  • the borrowing mainly includes capital management agency lending and private lending, which is a transaction method in which the creditor lends the money to the debtor and the debtor repays the principal and interest within the agreed time limit.
  • capital management agency lending and private lending is a transaction method in which the creditor lends the money to the debtor and the debtor repays the principal and interest within the agreed time limit.
  • private lending can bring fixed income to creditors, the same risk exists in the debtor's indefinite extension of the repayment period and it is difficult to recover the loan.
  • This kind of default risk is especially obvious in private lending activities because of private lending. After the debtor defaults, its credit rating will not be affected.
  • the funds are no longer owned by the creditor, and the creditor cannot enjoy the interest income of the deposit during this period. It can be seen that the existing lending methods, especially private lending, have higher risk of default and the interests of creditors are difficult to guarantee.
  • a primary object of the present invention is to provide a lending method and a lending system aimed at reducing the risk of default in a lending transaction and safeguarding the interests of creditors.
  • the present invention provides a lending method comprising the following steps:
  • the fund management server issues a corresponding amount of loans to the first participant according to the silver letter certificate established by the second party application, and freezes the funds corresponding to the bank letter certificate;
  • the fund management server thaws part of the funds corresponding to the bank letter according to a part of the loan repaid by the first party within the agreed repayment term;
  • the fund management server has not received the remaining loan after the loan repayment period has expired, and the first participant is dunned;
  • the fund management server allocates the remaining frozen funds corresponding to the silver credit card to the fund management account within the agreed time limit according to the notification sent by the second participant on behalf of the first participant to repay the remaining loan; [0009] wherein the silver credit is an electronic commitment payment voucher applied by the second participant to the fund management server and held by the fund management server with its account fund or credit line as a margin.
  • the fund management server still pays deposit interest for the funds corresponding to the bank letter during the freezing period.
  • the present invention also proposes a lending system, including:
  • a lending module configured to issue a loan corresponding to the first participant according to the silver credit card established by the second party application, and freeze the funds corresponding to the silver credit card;
  • the first collection and withdrawal module is configured to thaw part of the funds corresponding to the silver credit card according to the partial loan repaid by the first participant in the agreed repayment term;
  • a dunning module configured to collect money from the first participant after receiving the remaining loan after exceeding the repayment period
  • the second collection and withdrawal module is configured to allocate, according to the notification sent by the second participant, the first participant to repay the remaining loan, and allocate the remaining frozen funds corresponding to the silver credit to the agreed time limit to Fund management account;
  • an interest payment module configured to pay the deposit interest of the funds corresponding to the silver credit during the freezing period; [0016] wherein the silver credit is funded by the second party with its account or The beneficial effect of the invention of the electronic commitment payment certificate applied to the fund management server as a deposit and established by the fund management server
  • a lending method and a lending system provided by the present invention make a fund management institution a de facto lender by pulling a fund management institution into a lending transaction process.
  • the fund management institution lends to the first party (the borrower, that is, the debtor)
  • the second letter of participation in the fund management agency is only used as a credit guarantee, and the funds in the account are only temporarily frozen. This kind of freezing does not affect the acquisition of deposit interest of the second party.
  • the loan interest paid by the first party can be obtained, and the interests of the creditor are safeguarded; and the fund management institution relies on the frozen funds of the second party.
  • the loan is raised to improve the financial security of the fund management institution; meanwhile, in the case that the first participant is unable to fully repay the loan, the second participant is allowed to help the first party to repay the remaining loan, so that the payment method is made. More flexible and user-friendly; Since the fund management agency is the de facto lender, when the first party defaults, the fund management agency will make a dunning, which will have a deterrent effect on the breach of contract, reduce the risk of default, and safeguard the interests of creditors. In addition, the money management agency is pulled into the lending transaction process, making data processing safer and faster.
  • a credit function may also be introduced.
  • the fund management server may lower the credit of the first participant. Rating, thereby increasing the default cost of the first party, reducing the risk of default, and further safeguarding the interests of the second party, the creditor.
  • FIG. 1 is a flow chart of a first embodiment of a lending method of the present invention
  • FIG. 2 is a schematic diagram of interaction between a first party, a fund management server, and a second party in the embodiment of the present invention
  • FIG. 3 is a flow chart of a second embodiment of the lending method of the present invention.
  • FIG. 4 is a flow chart of a third embodiment of the lending method of the present invention.
  • FIG. 5 is a flow chart of a fourth embodiment of the lending method of the present invention.
  • FIG. 6 is a block diagram showing a first embodiment of a lending system of the present invention.
  • FIG. 7 is a block diagram of a second embodiment of a lending system of the present invention.
  • a money management institution refers to an organization that can support the flow of funds, 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 a PBC credit information system or other financial institution credit information system.
  • the bank credit certificate is an electronic commitment payment voucher that is applied to the fund management server by the second party (the loan initiator) with its account fund or credit line as the margin, and is managed by the fund management server.
  • the agency promises to handle the electronic credit certificate for settlement and payment in accordance with the terms of payment.
  • the bank letter is an Internet innovation basic financial instrument paid by the fund management institution's credit commitment.
  • the second party refers to an individual or organization that has initiated the lending intention to the first party, but in the actual lending transaction, the fund management institution plays the role of the lender, and the second party (
  • the loan originator has a loan intention, and then applies a bank letter to the fund management institution, and then the fund management agency lends the money to the first party with the bank letter; if the first party repays the loan, the second party
  • the silver letter issued by the participant is thawed, and the second party and the fund management agency collect the loan interest according to the agreement; if the first party fails to repay the loan, the bank letter will remain frozen for a fixed period of time, and the fund management The institution will collect the account from the first participant.
  • the bank letter is still unfrozen, and the second party and the fund management agency collect the loan interest as agreed.
  • the creditor pulls the fund management institution into the lending transaction process, and the fund management institution becomes the de facto lender, and the fund management institution lends to the first party’s peer, and the second party’s account
  • the funds are only temporarily frozen. This kind of freezing does not affect the acquisition of deposit interest of the second party, and the capital management institution is pulled into the loan transaction process, making data processing safer and faster.
  • the lending method includes the following steps:
  • the fund management server issues a corresponding amount of loans to the first party according to the bank letter issued by the second party application, and freezes the funds corresponding to the bank letter.
  • the second party participates in the fund management institution and deposits the deposit
  • the second party, the first party, and the fund management institution agree on the loan amount, the loan repayment period, and the payment to the fund management institution.
  • the second party applies to the fund management server for the establishment of a bank letter certificate according to the aforementioned loan information
  • the fund management server sets up a bank letter card according to the application of the second party, and freezes the deposit of the second party.
  • the funds corresponding to the bank letter certificate on the account, and the corresponding amount of loans are issued to the first participant according to the bank letter certificate.
  • the funds corresponding to the silver letter issued by the second party are frozen, the frozen funds are still in the second party account, but the funds are in an unusable state, but they are not influences The collection of deposit interest of the second participant during the freezing period.
  • the interest on the deposit can be interest on the demand deposit or the agreed interest on the time deposit.
  • the balance of the second participant's account fund is 300,000, and the bank management server has applied for 200,000 silver letter certificates and is frozen, but the fund management server still calculates the current interest, or fund management, based on the balance of 300,000 funds.
  • the server calculates the interest of the second party's demand deposit based on the fund balance of 100,000, and separately calculates the current or time deposit interest of the corresponding 200,000 funds during the freezing of the bank letter.
  • the fund management server releases part of the funds corresponding to the silver credit according to the partial loan repaid by the first participant within the agreed repayment term.
  • the first party repays part of the loan to the fund management institution within the agreed repayment term.
  • the fund management server unfreezes the corresponding bank letter according to the loan amount.
  • Part of the funds for example, the part of the funds is the amount of funds equal to the part of the loan repaid by the first party.
  • some of the funds that are thawed are automatically made available in the second party account, and can be paid in the same way. Deposit interest corresponding to part of the funds that are thawed.
  • the fund management server allocates the remaining frozen funds corresponding to the bank letter to the fund management account within the agreed time limit according to the notification sent by the second party to the first party to repay the remaining loan.
  • the second party may repay the remaining loan, that is, the second party may send funds to the first participant after the fund management server has dubbed the loan.
  • the management server sends a notice on behalf of the first participant to repay the remaining loan.
  • the fund management server will release the bank letter within the agreed time limit, and the remaining frozen funds corresponding to the bank letter will be repaid as the remaining loan to the fund management institution. ⁇ The interest on the deposit corresponding to the remaining frozen funds that are paid out to the second participant.
  • the deposit interest corresponding to the frozen funds corresponding to the silver credit may not be separately paid in steps S12 and S14, but the deposit interest corresponding to all the frozen funds shall be paid together to the first in step S14. Two participants.
  • the lending method of the embodiment by pulling the fund management institution into the lending transaction process, causes the creditor to turn into the de facto second party, and the fund management institution becomes the de facto lender.
  • the lending certificate issued by the management institution to the first party (debtor) the credit card issued by the creditor to the fund management institution is only used as a credit guarantee, and the funds in the account are only temporarily frozen. This kind of freezing does not affect the deposit of the second party.
  • the acquisition of interest protects the interests of the creditor; the fund management institution makes loans according to the frozen funds of the creditor, which improves the financial security of the fund management institution; meanwhile, allows the creditor to help the debtor to repay if the debtor is unable to fully repay the loan.
  • the remaining loans make the repayment method more flexible and user-friendly; since the fund management institution is the de facto lender, when the first party defaults, the fund management agency will make a dunning, which will have a deterrent effect on the breach of contract and reduce the risk of default. , safeguarding the interests of creditors; In addition, the capital management agency is pulled into the lending transaction process, making data processing safer and faster.
  • the lending method includes the following steps: [0043] S21.
  • the fund management server according to the second party participation application A participant issues a loan of the corresponding amount and freezes the funds corresponding to the bank letter.
  • the fund management server releases part of the funds corresponding to the silver credit according to the partial loan repaid by the first party within the agreed repayment term.
  • the fund management server allocates the remaining frozen funds corresponding to the silver credit card to the fund management account according to the notification sent by the second participant on behalf of the first participant to repay the remaining loan.
  • steps S21-S24 are the same as steps S11-S14 in the first embodiment, and details are not described herein again.
  • the fund management server reduces the credit rating of the first party or/and increases the credit rating of the second party.
  • This embodiment introduces a credit function.
  • the fund management server reduces the credit of the first participant. Rating, and synchronize the first party's default record and credit rating to the fund management credit system, or / and, the fund management server increases the credit rating of the second party and synchronizes its credit rating to the fund management credit system . Thereby increasing the default cost of the first party, reducing the risk of default, and further safeguarding the interests of the second party, the creditor.
  • a third embodiment of the lending method of the present invention is provided.
  • the lending method includes the following steps: [0051] S31.
  • the bank management certificate is established according to the application of the second party by the fund management server. A participant issues a loan of the corresponding amount and freezes the funds corresponding to the bank letter.
  • the fund management server releases part of the funds corresponding to the silver credit according to the partial loan repaid by the first party within the agreed repayment period, and allocates the loan in the second participant account and the fund management account according to a preset rule. interest.
  • the second party and the fund management agency also agree on the allocation of the loan interest, that is, the second party in this embodiment can not only obtain the deposit interest, but also obtain the partial loan interest. For example, it is agreed to allocate the first loan interest in the loan interest to the fund management agency, and the second loan interest is distributed to the second participant.
  • step S32 the first party repays part of the loan to the fund management institution within the agreed repayment term, and the part of the loan includes part of the loan principal and its corresponding loan interest (first loan interest and second loan) Interest).
  • the fund management server After the fund management institution receives the part of the loan, the fund management server unfreezes part of the funds corresponding to the bank letter according to the loan amount.
  • the part of the fund is the part of the loan principal repaid with the first party and the corresponding first loan.
  • the interest equal amount of funds, the second loan interest repaid by the first participant is distributed to the second party account, and the deposit interest corresponding to the thawed fund corresponding to the bank letter can be calculated, thereby making the second Participants receive the proceeds of loan interest and deposit interest.
  • the fund management server remits the first participant after receiving the remaining loan after exceeding the loan repayment period.
  • a dunning letter can be sent to the first participant by mail, text message, or the like.
  • the fund management server allocates the remaining frozen funds corresponding to the silver credit card to the fund management account according to the notification sent by the second participant on behalf of the first participant to repay the remaining loan.
  • step S34 when the first party is unable to repay the remaining loan, the second party may repay the remaining loan, that is, the second party may, after the money management server collects the money from the first participant, to the fund.
  • the management server sends a notice on behalf of the first participant to repay the remaining loan.
  • the fund management server After receiving the notification, the fund management server will release the bank letter within the agreed time limit, and the remaining frozen funds corresponding to the bank letter will be repaid as the remaining loan to the fund management institution. ⁇ The interest on the deposit corresponding to the remaining frozen funds that are paid out to the second participant.
  • the deposit interest corresponding to the frozen funds corresponding to the silver credit card may not be in step S32 and step S34.
  • the payment is separately made, and in step S34, the deposit interest corresponding to all the frozen funds is paid together to the second party.
  • the second party can not only obtain the deposit interest paid by the fund management institution, but also obtain the loan interest paid by the first party, and further protect the interests of the second party, that is, the creditor. .
  • the lending method includes the following steps: [0061] S41.
  • the fund management server according to the second party participation application A participant issues a loan of the corresponding amount and freezes the funds corresponding to the bank letter.
  • the fund management server unfreezes a portion of the funds corresponding to the partial credits repaid by the first party within the agreed loan repayment period, and allocates the loans in the second participant account and the fund management account according to a preset rule. interest.
  • the fund management server allocates the remaining frozen funds corresponding to the bank letter to the fund management account within the agreed time limit according to the notification sent by the second party to the first party to repay the remaining loan.
  • steps S41-S44 are the same as steps S31-S34 in the third embodiment, and details are not described herein again.
  • the money management server reduces the credit rating of the first party or/and increases the credit rating of the second party.
  • This embodiment introduces a credit function.
  • the fund management server reduces the credit of the first participant. Rating, and synchronize the first party's default record and credit rating to the fund management credit system, or / and, the fund management server increases the credit rating of the second party and synchronizes its credit rating to the fund management credit system . Thereby increasing the default cost of the first party, reducing the risk of default, and further protecting the interests of the second party, the creditor.
  • a first embodiment of a lending system of the present invention is provided.
  • the lending system is applied to the foregoing fund management server, and the lending system includes a lending module, a first lending module, a second lending module, and a reminder.
  • Module and interest payment module where: [0069]
  • the lending module is arranged to issue a corresponding amount of loans to the first participant according to the bank letter issued by the second party application, and freeze the funds corresponding to the bank letter.
  • the first collection and withdrawal module is configured to release part of the funds corresponding to the partial bank loan according to the first party's loan repayment within the agreed loan repayment period.
  • Dunning Module Set to levy money to the first party after receiving the remaining loan after the loan repayment period has expired.
  • the dunning module can send a dunning letter to the first participant by mail, text message, or the like.
  • the second collection and withdrawal module is configured to allocate the remaining frozen funds corresponding to the silver credit card to the fund management account within the agreed time limit according to the notification of repaying the remaining loan by the first party on behalf of the second participant.
  • the interest payment module is set to pay the deposit interest of the funds corresponding to the bank letter during the freezing period.
  • the first loan collection module is further configured to: allocate loan interest in the second participant account and the fund management account according to a preset rule.
  • the fund management institution lends the loan to the borrower, and the second participation in the fund management institution is only used as a credit guarantee, and the funds in the account are only temporarily frozen. This kind of freezing does not affect the acquisition of deposit interest of the second party.
  • the interest of the loan paid by the first party can be obtained simultaneously, and the interests of the second party are maintained; 2.
  • the participants' frozen funds are used for loans, which improves the financial security of the fund management institution; meanwhile, if the first party is unable to fully repay the loan, the second party is allowed to help the first party to repay the remaining loans, so that The repayment method is more flexible and user-friendly; since the fund management institution is the de facto lender, when the first party defaults, the fund management agency will make a dunning, which will have a deterrent effect on the breach of contract, reduce the risk of default, and safeguard the creditor. Interest; in addition, the money management agency is pulled into the lending transaction process, making data processing more Safe, fast.
  • a second embodiment of the lending system of the present invention is proposed.
  • the difference between this embodiment and the first embodiment is that a credit management module is added, and the credit management module is set as: when the second participant After the first party repays the remaining loan, the first party's credit rating is lowered or/and the second party's credit rating is increased.
  • This embodiment introduces a credit function, when the first party is unable to repay the remaining loan, and the second party helps the first party to repay the remaining loan, the fund management server reduces the credit of the first party. Rating, and synchronize the first party’s default record and credit rating to the fund management credit system, or/and The fund management server increases the credit rating of the second participant and synchronizes its credit rating to the fund management credit system. Thereby increasing the default cost of the first party, reducing the risk of default, and further safeguarding the interests of the second party, the creditor.
  • the storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • a lending method and a lending system provided by the present invention make a fund management institution a de facto lender by pulling a fund management institution into a lending transaction process.
  • the fund management institution lends to the first party (the borrower, that is, the debtor)
  • the second letter of participation in the fund management agency is only used as a credit guarantee, and the funds in the account are only temporarily frozen. This kind of freezing does not affect the acquisition of deposit interest of the second party.
  • the loan interest paid by the first party can be obtained, and the interests of the creditor are safeguarded; and the fund management institution relies on the frozen funds of the second party.

Abstract

一种借贷方法和借贷系统，所述方法包括：资金管理服务器根据经第二参与方申请而开立的银信证向第一参与方发放相应额度的贷款，并冻结银信证对应的资金（S11）；资金管理服务器根据第一参与方在约定的还贷期限内偿还的部分贷款解冻银信证对应的部分资金（S12）；资金管理服务器在超过还贷期限后仍没有收到剩余贷款时，向第一参与方催款（S13）；资金管理服务器根据第二参与方发送的代第一参与方偿还剩余贷款的通知，在约定的期限内划拨银信证对应的剩余冻结资金至资金管理账户（S14）；其中，资金管理服务器对银信证对应的资金在冻结期间仍然计付存款利息。从而降低了违约风险，维护了债权人的利益，提高了资金管理机构的资金安全性。

Description

借贷方法和借贷系统
技术领域
[0001] 本发明涉及电子信息技术领域， 尤其是涉及一种借贷方法和借贷系统。
背景技术
[0002] 在此处键入背景技术描述段落。 的借贷主要包括资金管理机构借贷和民间借贷 ， 是一种由债权人将资金出借给债务人， 债务人在约定期限内还本付息的交易 方式。 传统的借贷方法虽然可以为债权人带来固定的收益， 但同吋也存在债务 人无限期延长还款期限而难以追回贷款的违约风险， 这种违约风险在民间借贷 活动中尤其明显， 因为民间借贷中债务人违约吋， 其信用评级不会受任何影响 ； 同吋， 资金从债权人出借给债务人期间， 资金不再归债权人所有， 债权人在 此期间无法享有存款利息收益。 可见， 现有的借贷方法， 特别是民间借贷， 违 约风险较高， 债权人利益难以保障。
技术问题
[0003] 本发明的主要目的在于提供一种借贷方法和借贷系统， 旨在降低借贷交易的违 约风险， 维护债权人利益。
问题的解决方案
技术解决方案
[0004] 为达以上目的， 本发明提出一种借贷方法， 包括以下步骤：
[0005] 资金管理服务器根据经第二参与方申请而幵立的银信证向第一参与方发放相应 额度的贷款， 并冻结所述银信证对应的资金；
[0006] 资金管理服务器根据所述第一参与方在约定的还贷期限内偿还的部分贷款解冻 所述银信证对应的部分资金；
[0007] 资金管理服务器在超过还贷期限后仍没有收到剩余贷款吋， 向所述第一参与方 催款；
[0008] 资金管理服务器根据所述第二参与方发送的代所述第一参与方偿还剩余贷款的 通知， 在约定的期限内划拨所述银信证对应的剩余冻结资金至资金管理账户； [0009] 其中， 所述银信证是由所述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 ， 所述资金管理服务器对所述银信证对应的资金在冻结期间仍然计付存款利息
[0010] 本发明同吋提出一种借贷系统， 包括：
[0011] 放贷模块， 设置为根据经第二参与方申请而幵立的银信证向第一参与方发放相 应额度的贷款， 并冻结所述银信证对应的资金；
[0012] 第一收贷模块， 设置为根据所述第一参与方在约定的还贷期限内偿还的部分贷 款解冻所述银信证对应的部分资金；
[0013] 催款模块， 设置为在超过还贷期限后仍没有收到剩余贷款吋， 向所述第一参与 方催款；
[0014] 第二收贷模块， 设置为根据所述第二参与方发送的代所述第一参与方偿还剩余 贷款的通知， 在约定的期限内划拨所述银信证对应的剩余冻结资金至资金管理 账户；
[0015] 利息计付模块， 设置为计付所述银信证对应的资金在冻结期间的存款利息； [0016] 其中， 所述银信证是由所述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 发明的有益效果
有益效果
[0017] 本发明所提供的一种借贷方法和借贷系统， 通过将资金管理机构拉入借贷交易 过程， 使得资金管理机构成为事实上的贷款方。 在资金管理机构贷款给第一参 与方 （借款方， 即债务人） 的同吋， 第二参与方向资金管理机构申请而幵出的 银信证只是作为信用担保， 账户内的资金只是暂吋冻结， 这种冻结不影响第二 参与方存款利息的获取， 另外在某些情况下还可以获取第一参与方支付的贷款 利息， 维护了债权人的利益； 而资金管理机构依据第二参与方的冻结资金进行 贷款， 提高了资金管理机构的资金安全性； 同吋， 在第一参与方无力全部偿还 贷款的情况下， 允许第二参与方帮助第一参与方偿还剩余贷款， 使得偿还方式 更为灵活和人性化； 由于资金管理机构是事实上的贷款方， 当第一参与方违约 吋由资金管理机构进行催款， 对违约行为有震慑作用， 降低了违约风险， 维护 了债权人的利益； 此外， 把资金管理机构拉入借贷交易过程， 使得数据处理更 为安全、 快捷。
[0018] 而且， 还可以引入征信功能， 当第一参与方无力偿还剩余贷款， 而由第二参与 方帮助第一参与方偿还了剩余贷款吋， 资金管理服务器可以降低第一参与方的 信用评级， 从而增加第一参与方的违约成本， 降低违约风险， 进一步维护第二 参与方即债权人的利益。 对附图的简要说明
附图说明
[0019] 图 1是本发明的借贷方法第一实施例的流程图；
[0020] 图 2是本发明实施例中第一参与方、 资金管理服务器和第二参与方三方的交互 示意图；
[0021] 图 3是本发明的借贷方法第二实施例的流程图；
[0022] 图 4是本发明的借贷方法第三实施例的流程图；
[0023] 图 5是本发明的的借贷方法第四实施例的流程图；
[0024] 图 6是本发明的借贷系统第一实施例的模块示意图；
[0025] 图 7是本发明的借贷系统第二实施例的模块示意图。
本发明的实施方式
[0026] 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。
[0027] 本发明中， 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。
[0028] 银信证是由第二参与方 （贷款发起方） 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， 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。
[0029] 第二参与方 （贷款发起方） 是指有向第一参与方发起放贷意向的个人或组织， 但实际借贷交易中资金管理机构起到的是贷款方的作用， 第二参与方 （贷款发 起方） 有贷款意向， 之后通过向资金管理机构申请而幵具银信证， 然后资金管 理机构以此银信证向第一参与方放贷； 如果第一参与方如约还款， 则第二参与 方出具的银信证解冻， 第二参与方和资金管理机构按照约定收取贷款利息； 如 果第一参与方如约未还款， 则银信证会在一个固定期限内保持冻结状态， 由资 金管理机构向第一参与方催账， 第一参与方如果在固定期限内还款 （资金管理 机构催款成功） ， 银信证依然解冻， 第二参与方和资金管理机构按约定收取贷 款利益。 较之于传统的借贷方式， 债权人将资金管理机构拉入借贷交易过程， 资金管理机构成为事实上的贷款方， 在资金管理机构贷款给第一参与方的同吋 ， 第二参与方账户内的资金只是暂吋冻结， 这种冻结不影响第二参与方存款利 息的获取， 而且把资金管理机构拉入借贷交易过程， 使得数据处理更为安全、 快捷。
[0030] 以下通过具体实施例进行详细说明。
[0031] 参见图 1、 图 2， 提出本发明的借贷方法第一实施例， 所述借贷方法包括以下步 骤：
[0032] Sl l、 资金管理服务器根据经第二参与方申请而幵立的银信证向第一参与方发 放相应额度的贷款， 并冻结银信证对应的资金。
[0033] 具体的， 第二参与方在资金管理机构幵户， 并存入存款， 第二参与方、 第一参 与方和资金管理机构三方约定好贷款金额、 还贷期限、 支付给资金管理机构的 贷款利息等贷款信息后， 第二参与方根据前述贷款信息向资金管理服务器申请 幵立银信证， 资金管理服务器根据第二参与方的申请幵立银信证， 冻结第二参 与方的存款账户上与银信证对应的资金， 并根据银信证向第一参与方发放相应 额度的贷款。
[0034] 需要说明的是， 第二参与方申请幵出的银信证对应的资金虽然被冻结， 但冻结 的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存款利息的收取。 该存款利息可以是活期存款利息， 也可 以是约定的定期存款利息。 比如说， 第二参与方账户资金余额为 30万， 向资金 管理服务器申请幵具了 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 与方活期存款利息， 并单独计算银信证冻结期间其对应的 20万资金的活期或定 期存款利息。
[0035] S12、 资金管理服务器根据第一参与方在约定的还贷期限内偿还的部分贷款解 冻银信证对应的部分资金。
[0036] 本步骤 S12中， 第一参与方在约定的还贷期限内向资金管理机构偿还了部分贷 款， 资金管理机构收到该部分贷款后， 资金管理服务器则根据贷款金额解冻银 信证对应的部分资金， 例如该部分资金即为与第一参与方偿还的部分贷款等额 的资金， 与此同吋， 解冻的部分资金在第二参与方帐户自动变为可利用状态， 并可以同吋计付解冻的部分资金所对应的存款利息。
[0037] S13、 资金管理服务器在超过还贷期限后仍没有收到剩余贷款吋， 向第一参与 方催款。 例如， 可通过邮件、 短信等方式向第一参与方发送催款函。
[0038] S14、 资金管理服务器根据第二参与方发送的代第一参与方偿还剩余贷款的通 知， 在约定的期限内划拨银信证对应的剩余冻结资金至资金管理账户。
[0039] 本步骤 S14中， 当第一参与方无力偿还剩余贷款吋， 第二参与方可以代为偿还 剩余贷款， 即第二参与方可以在资金管理服务器向第一参与方催款后， 向资金 管理服务器发送代第一参与方偿还剩余贷款的通知， 资金管理服务器接收到通 知后， 在约定的期限内解付银信证， 即将银信证对应的剩余冻结资金作为剩余 贷款偿还给资金管理机构， 同吋向第二参与方计付解付的剩余冻结资金所对应 的存款利息。
[0040] 对于银信证对应的冻结资金所对应的存款利息， 也可以不在步骤 S12和步骤 S14 中分别计付， 而是在步骤 S14中将所有冻结资金所对应的存款利息一起计付给第 二参与方。
[0041] 从而， 本实施例的借贷方法， 通过将资金管理机构拉入借贷交易过程， 使得债 权人转为事实上的第二参与方， 而资金管理机构成为事实上的贷款方。 在资金 管理机构贷款给第一参与方 （债务人） 的同吋， 债权人向资金管理机构幵出的 银信证只是作为信用担保， 账户内的资金只是暂吋冻结， 这种冻结不影响第二 参与方存款利息的获取， 维护了债权人的利益； 而资金管理机构依据债权人的 冻结资金进行贷款， 提高了资金管理机构的资金安全性； 同吋， 在债务人无力 全部偿还贷款的情况下， 允许债权人帮助债务人偿还剩余贷款， 使得偿还方式 更为灵活和人性化； 由于资金管理机构是事实上的贷款方， 当第一参与方违约 吋由资金管理机构进行催款， 对违约行为有震慑作用， 降低了违约风险， 维护 了债权人的利益； 此外， 把资金管理机构拉入借贷交易过程， 使得数据处理更 为安全、 快捷。
[0042] 参见图 3， 提出本发明的借贷方法第二实施例， 所述借贷方法包括以下步骤： [0043] S21、 资金管理服务器根据经第二参与方申请而幵立的银信证向第一参与方发 放相应额度的贷款， 并冻结银信证对应的资金。
[0044] S22、 资金管理服务器根据第一参与方在约定的还贷期限内偿还的部分贷款解 冻银信证对应的部分资金。
[0045] S23、 资金管理服务器在超过还贷期限后仍没有收到剩余贷款吋， 向第一参与 方催款。 例如， 可通过邮件、 短信等方式向第一参与方发送催款函。
[0046] S24、 资金管理服务器根据第二参与方发送的代第一参与方偿还剩余贷款的通 知， 在约定的期限内划拨银信证对应的剩余冻结资金至资金管理账户。
[0047] 本实施例中， 步骤 S21-S24与第一实施例中的步骤 S11-S14相同， 在此不再赘述
[0048] S25、 资金管理服务器降低第一参与方的信用评级或 /和提高第二参与方的信用 评级。
[0049] 本实施例引入了征信功能， 当第一参与方无力偿还剩余贷款， 而由第二参与方 帮助第一参与方偿还了剩余贷款后， 资金管理服务器则降低第一参与方的信用 评级， 并将第一参与方的违约记录和信用评级同步到资金管理征信系统， 或 /和 ， 资金管理服务器提高第二参与方的信用评级， 并将其信用评级同步到资金管 理征信系统。 从而增加了第一参与方的违约成本， 降低了违约风险， 进一步维 护了第二参与方即债权人的利益。 [0050] 参见图 4， 提出本发明的借贷方法第三实施例， 所述借贷方法包括以下步骤： [0051] S31、 资金管理服务器根据经第二参与方申请而幵立的银信证向第一参与方发 放相应额度的贷款， 并冻结银信证对应的资金。
[0052] S32、 资金管理服务器根据第一参与方在约定的还贷期限内偿还的部分贷款解 冻银信证对应的部分资金， 并按预设规则在第二参与方账户和资金管理账户分 配贷款利息。
[0053] 本实施例中， 第二参与方与资金管理机构还约定了贷款利息的分配， 即本实施 例中第二参与方不但能获得存款利息， 还能获得部分贷款利息。 例如， 约定将 贷款利息中的第一贷款利息分配给资金管理机构， 第二贷款利息分配给第二参 与方。
[0054] 本步骤 S32中， 第一参与方在约定的还贷期限内向资金管理机构偿还了部分贷 款， 该部分贷款括部分贷款本金及其对应的贷款利息 （第一贷款利息和第二贷 款利息） 。 资金管理机构收到该部分贷款后， 资金管理服务器则根据贷款金额 解冻银信证对应的部分资金， 例如该部分资金即为与第一参与方偿还的部分贷 款本金及其对应的第一贷款利息等额的资金， 同吋将第一参与方偿还的第二贷 款利息分配至第二参与方账户， 并可以同吋计付银信证对应的解冻的资金所对 应的存款利息， 从而使得第二参与方获得贷款利息和存款利息的收益。
[0055] S33、 资金管理服务器在超过还贷期限后仍没有收到剩余贷款吋， 向第一参与 方催款。 例如， 可通过邮件、 短信等方式向第一参与方发送催款函。
[0056] S34、 资金管理服务器根据第二参与方发送的代第一参与方偿还剩余贷款的通 知， 在约定的期限内划拨银信证对应的剩余冻结资金至资金管理账户。
[0057] 本步骤 S34中， 当第一参与方无力偿还剩余贷款吋， 第二参与方可以代为偿还 剩余贷款， 即第二参与方可以在资金管理服务器向第一参与方催款后， 向资金 管理服务器发送代第一参与方偿还剩余贷款的通知， 资金管理服务器接收到通 知后， 在约定的期限内解付银信证， 即将银信证对应的剩余冻结资金作为剩余 贷款偿还给资金管理机构， 同吋向第二参与方计付解付的剩余冻结资金所对应 的存款利息。
[0058] 对于银信证对应的冻结资金所对应的存款利息， 也可以不在步骤 S32和步骤 S34 中分别计付， 而是在步骤 S34中将所有冻结资金所对应的存款利息一起计付给第 二参与方。
[0059] 从而， 本实施例的借贷方法， 第二参与方不但能获得资金管理机构支付的存款 利息， 还能获得第一参与方支付的贷款利息， 进一步维护了第二参与方即债权 人的利益。
[0060] 参见图 5， 提出本发明的借贷方法第四实施例， 所述借贷方法包括以下步骤： [0061] S41、 资金管理服务器根据经第二参与方申请而幵立的银信证向第一参与方发 放相应额度的贷款， 并冻结银信证对应的资金。
[0062] S42、 资金管理服务器根据第一参与方在约定的还贷期限内偿还的部分贷款解 冻银信证对应的部分资金， 并按预设规则在第二参与方账户和资金管理账户分 配贷款利息。
[0063] S43、 资金管理服务器在超过还贷期限后仍没有收到剩余贷款吋， 向第一参与 方催款。 例如， 可通过邮件、 短信等方式向第一参与方发送催款函。
[0064] S44、 资金管理服务器根据第二参与方发送的代第一参与方偿还剩余贷款的通 知， 在约定的期限内划拨银信证对应的剩余冻结资金至资金管理账户。
[0065] 本实施例中， 步骤 S41-S44与第三实施例中的步骤 S31-S34相同， 在此不再赘述
[0066] S45、 资金管理服务器降低第一参与方的信用评级或 /和提高第二参与方的信用 评级。
[0067] 本实施例引入了征信功能， 当第一参与方无力偿还剩余贷款， 而由第二参与方 帮助第一参与方偿还了剩余贷款后， 资金管理服务器则降低第一参与方的信用 评级， 并将第一参与方的违约记录和信用评级同步到资金管理征信系统， 或 /和 ， 资金管理服务器提高第二参与方的信用评级， 并将其信用评级同步到资金管 理征信系统。 从而增加了第一参与方的违约成本， 降低了违约风险， 进一步维 护了第二参与方即债权人的利益。
[0068] 参见图 6， 提出本发明的借贷系统第一实施例， 所述借贷系统应用于前述资金 管理服务器， 所述借贷系统包括放贷模块、 第一收贷模块、 第二收贷模块、 催 款模块和利息计付模块， 其中： [0069] 放贷模块： 设置为根据经第二参与方申请而幵立的银信证向第一参与方发放相 应额度的贷款， 并冻结银信证对应的资金。
[0070] 第一收贷模块： 设置为根据第一参与方在约定的还贷期限内偿还的部分贷款解 冻银信证对应的部分资金。
[0071] 催款模块： 设置为在超过还贷期限后仍没有收到剩余贷款吋， 向第一参与方催 款。 例如， 催款模块可通过邮件、 短信等方式向第一参与方发送催款函。
[0072] 第二收贷模块： 设置为根据根据第二参与方发送的代第一参与方偿还剩余贷款 的通知， 在约定的期限内划拨银信证对应的剩余冻结资金至资金管理账户。
[0073] 利息计付模块： 设置为计付银信证对应的资金在冻结期间的存款利息。
[0074] 进一步地， 第一收贷模块还设置为： 按预设规则在第二参与方账户和资金管理 账户分配贷款利息。
[0075] 从而， 本实施例的借贷系统， 在资金管理机构贷款给借款人的同吋， 第二参与 方向资金管理机构幵出的银信证只是作为信用担保， 账户内的资金只是暂吋冻 结， 这种冻结不影响第二参与方存款利息的获取， 另外在某些情况下还可以同 吋获取第一参与方支付的贷款利息， 维护了第二参与方的利益； 而资金管理机 构依据第二参与方的冻结资金进行贷款， 提高了资金管理机构的资金安全性； 同吋， 在第一参与方无力全部偿还贷款的情况下， 允许第二参与方帮助第一参 与方偿还剩余贷款， 使得偿还方式更为灵活和人性化； 由于资金管理机构是事 实上的贷款方， 当第一参与方违约吋由资金管理机构进行催款， 对违约行为有 震慑作用， 降低了违约风险， 维护了债权人的利益； 此外， 把资金管理机构拉 入借贷交易过程， 使得数据处理更为安全、 快捷。
[0076] 参见图 7， 提出本发明的借贷系统第二实施例， 本实施例与第一实施例的区别 是增加了一信用管理模块， 所述信用管理模块设置为： 当第二参与方代第一参 与方偿还了剩余贷款后， 降低第一参与方的信用评级或 /和提高第二参与方的信 用评级。
[0077] 本实施例引入了征信功能， 当第一参与方无力偿还剩余贷款， 而由第二参与方 帮助第一参与方偿还了剩余贷款吋， 资金管理服务器则降低第一参与方的信用 评级， 并将第一参与方的违约记录和信用评级同步到资金管理征信系统， 或 /和 ， 资金管理服务器提高第二参与方的信用评级， 并将其信用评级同步到资金管 理征信系统。 从而增加了第一参与方的违约成本， 降低了违约风险， 进一步维 护了第二参与方即债权人的利益。
[0078] 需要说明的是， 上述方法实施例中的技术特征在本装置实施例中均能对应适用
， 这里不再重述。
[0079] 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可以通 过程序来控制相关的硬件完成， 所述的程序可以存储于一计算机可读取存储介 质中， 所述的存储介质可以是 ROM/RAM、 磁盘、 光盘等。
[0080] 应当理解的是， 以上仅为本发明的优选实施例， 不能因此限制本发明的专利范 围， 凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换， 或直 接或间接运用在其他相关的技术领域， 均同理包括在本发明的专利保护范围内
工业实用性
[0081] 本发明所提供的一种借贷方法和借贷系统， 通过将资金管理机构拉入借贷交易 过程， 使得资金管理机构成为事实上的贷款方。 在资金管理机构贷款给第一参 与方 （借款方， 即债务人） 的同吋， 第二参与方向资金管理机构申请而幵出的 银信证只是作为信用担保， 账户内的资金只是暂吋冻结， 这种冻结不影响第二 参与方存款利息的获取， 另外在某些情况下还可以获取第一参与方支付的贷款 利息， 维护了债权人的利益； 而资金管理机构依据第二参与方的冻结资金进行 贷款， 提高了资金管理机构的资金安全性； 同吋， 在第一参与方无力全部偿还 贷款的情况下， 允许第二参与方帮助第一参与方偿还剩余贷款， 使得偿还方式 更为灵活和人性化； 由于资金管理机构是事实上的贷款方， 当第一参与方违约 吋由资金管理机构进行催款， 对违约行为有震慑作用， 降低了违约风险， 维护 了债权人的利益； 此外， 把资金管理机构拉入借贷交易过程， 使得数据处理更 为安全、 快捷。 因此， 具有工业实用性。

Claims

权利要求书
[权利要求 1] 一种借贷方法， 包括以下步骤：
资金管理服务器根据经第二参与方申请而幵立的银信证向第一参与方 发放相应额度的贷款， 并冻结所述银信证对应的资金；
资金管理服务器根据所述第一参与方在约定的还贷期限内偿还的部分 贷款解冻所述银信证对应的部分资金；
资金管理服务器在超过还贷期限后仍没有收到剩余贷款吋， 向所述第 一参与方催款；
资金管理服务器根据所述第二参与方发送的代所述第一参与方偿还剩 余贷款的通知， 在约定的期限内划拨所述银信证对应的剩余冻结资金 至资金管理账户；
其中， 所述银信证是由所述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， 所述资金管理服务器对所述银信证对应的资金在 冻结期间仍然计付存款利息。
[权利要求 2] 根据权利要求 1所述的借贷方法， 其中， 所述资金管理服务器根据所 述第一参与方在约定的还贷期限内偿还的部分贷款解冻所述银信证对 应的部分资金的步骤的同吋还包括：
资金管理服务器按预设规则在第二参与方账户和资金管理账户分配贷 款利息。
[权利要求 3] 根据权利要求 1所述的借贷方法， 其中， 所述方法还包括： 当所述第 二参与方代所述第一参与方偿还了剩余贷款后， 资金管理服务器降低 所述第一参与方的信用评级。
[权利要求 4] 根据权利要求 1-3任一项所述的借贷方法， 所述方法还包括： 当所述 第二参与方代所述第一参与方偿还了剩余贷款后， 资金管理服务器提 高所述第二参与方的信用评级。
[权利要求 5] 根据权利要求 1-3任一项所述的借贷方法， 其中， 所述存款利息为活 期存款利息或约定的定期存款利息。 一种借贷系统， 一种借贷系统， 包括：
放贷模块， 设置为根据经第二参与方申请而幵立的银信证向第一参与 方发放相应额度的贷款， 并冻结所述银信证对应的资金；
第一收贷模块， 设置为根据所述第一参与方在约定的还贷期限内偿还 的部分贷款解冻所述银信证对应的部分资金；
催款模块， 设置为在超过还贷期限后仍没有收到剩余贷款吋， 向所述 第一参与方催款；
第二收贷模块， 设置为根据所述第二参与方发送的代所述第一参与方 偿还剩余贷款的通知， 在约定的期限内划拨所述银信证对应的剩余冻 结资金至资金管理账户；
利息计付模块， 设置为计付所述银信证对应的资金在冻结期间的存款 利息；
其中， 所述银信证是由所述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 6所述的借贷系统， 其中， 所述第一收贷模块还设置为 ： 按预设规则在第二参与方账户和资金管理账户分配贷款利息。 根据权利要求 6所述的借贷系统， 其中， 所述存款利息为活期存款利 息或约定的定期存款利息。
根据权利要求 6-8任一项所述的借贷系统， 其中， 还包括信用管理模 块， 所述信用管理模块设置为： 当所述第二参与方代所述第一参与方 偿还了剩余贷款后， 降低所述第一参与方的信用评级。
根据权利要求 9所述的借贷系统， 其中， 所述信用管理模块还设置为 ： 当所述第二参与方代所述第一参与方偿还了剩余贷款后， 提高所述 第二参与方的信用评级。
PCT/CN2015/080385 2015-05-29 2015-05-29 借贷方法和借贷系统 WO2016191972A1 (zh)

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Publication number Priority date Publication date Assignee Title
CN101122986A (zh) * 2006-08-08 2008-02-13 阿里巴巴公司 一种通过网络实现借贷的方法及系统
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CN104376453A (zh) * 2014-10-29 2015-02-25 中国建设银行股份有限公司 一种网上支付方法和系统
CN104899780A (zh) * 2015-05-29 2015-09-09 深圳市银信网银科技有限公司 借贷方法和借贷系统

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CN101122986A (zh) * 2006-08-08 2008-02-13 阿里巴巴公司 一种通过网络实现借贷的方法及系统
US20090030795A1 (en) * 2007-07-23 2009-01-29 Henry Winchester Payment system and method for insurance premium payments
CN101567071A (zh) * 2008-04-21 2009-10-28 阿里巴巴集团控股有限公司 一种网上交易系统和银行系统的数据交互处理方法及装置
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