WO2016191973A1

WO2016191973A1 - Lending method and lending system

Info

Publication number: WO2016191973A1
Application number: PCT/CN2015/080386
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-05-29
Filing date: 2015-05-29
Publication date: 2016-12-08
Also published as: CA2987300C; CA2987300A1

Abstract

A lending method and a lending system, the method comprising: according to a bank credit certificate opened via an application by a second participant, a funds management server grants a loan having a corresponding limit to a first participant, and freezes funds corresponding to the bank credit certificate (S11); according to a portion of the loan repaid by the first participant within an agreed repayment deadline, the funds management server unfreezes a portion of the funds corresponding to the bank credit certificate (S12); according to a notification sent within the repayment deadline by the second participant for repaying the remainder of the loan instead of the first participant, the funds management server transfers the remainder of the frozen funds corresponding to the bank credit certificate to a funds management account within an agreed deadline (S13). The funds management server still pays deposit interest on the funds corresponding to the bank credit certificate in a freezing period. The present invention thereby reduces the risk of default, protects the interests of the creditor, and increases the funds security of the funds management mechanism, so that the loan repayment means are more flexible and humanised.

Description

Lending method and lending system

[0001] The present invention relates to the field of electronic information technology, and in particular, to a lending method and a lending system.

Background technique

[0002] Traditional borrowing mainly includes capital management institution lending and private lending, which is a transaction method in which a creditor lends funds to a debtor and the debtor repays the principal and interest within the agreed time limit. Although the traditional lending method 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. Similarly, during the period when the funds are loaned from the creditor to the debtor, 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 a higher risk of default and the interests of creditors are difficult to protect.

technical problem

[0003] 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.

Problem solution

Technical solution

[0004] In order to achieve the above object, the present invention provides a lending method comprising the following steps:

[0005] 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;

[0006] 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;

[0007] the fund management server allocates the remaining freeze corresponding to the silver letter certificate within the agreed time limit according to the notification that the second participant sends the remaining loan on behalf of the first participant during the repayment period Fund to fund management account;

[0008] wherein the silver credit is used by the second party as a deposit with its account funds or credit line. An electronic commitment payment voucher applied to the fund management server and established by the fund management server, the fund management server still paying deposit interest for the funds corresponding to the bank credit certificate during the freezing period

[0009] The present invention also proposes a lending system, including:

[0010] a lending module, configured to issue a loan corresponding to the first participant according to the silver credit card established by the second participant application, and freeze the funds corresponding to the silver credit card;

[0011] 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;

[0012] The second collection and withdrawal module is configured to allocate the silver letter within the agreed time limit according to the notification that the second participant sends the remaining loan on behalf of the first participant during the repayment period The remaining frozen funds corresponding to the certificate to the fund management account;

[0013] an interest payment module, configured to pay the deposit interest of the funds corresponding to the silver credit during the freezing period; [0014] 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

Beneficial effect

[0015] The lending method and the lending system provided by the present invention make the fund management institution become the de facto lender by pulling the fund management institution into the lending transaction process. In the same time that the fund management institution lends to the first party (the borrower, that is, the debtor), the second party applies to the fund management agency and the bank letter issued by the fund management server is only used as a credit guarantee. The funds in the account are only Temporary freezing, this kind of freezing does not affect the acquisition of deposit interest of the second party. In addition, in some cases, the interest of the loan paid by the first party can be obtained, and the interests of the creditor are safeguarded; and the fund management institution is based on the freezing of the creditor. The funds are used 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 participant to repay the remaining loan, making the repayment method more flexible. And humanization; because 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 the second party. In addition, the money management agency is drawn into the lending transaction process. , making data processing safer and faster.

[0016] Moreover, a credit function may also be introduced. When the first participant is unable to repay the remaining loan, and the second participant helps the first participant to repay the remaining loan, the fund management server may reduce 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. Brief description of the drawing

DRAWINGS

1 is a flow chart of a first embodiment of a lending method of the present invention;

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;

3 is a flow chart of a second embodiment of the lending method of the present invention;

4 is a flow chart of a third embodiment of the lending method of the present invention;

5 is a flow chart of a fourth embodiment of the lending method of the present invention;

6 is a block diagram showing a first embodiment of a lending system of the present invention;

7 is a block diagram of a second embodiment of a lending system of the present invention.

Embodiments of the invention

[0024] It is to be understood that the specific embodiments described herein are merely illustrative of the invention.

[0025] In 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). Correspondingly, the fund management server includes a bank server or other financial institution server, and the fund management account includes a bank loan account or other financial institution loan account, and the fund management credit system includes a PBC credit information system or other financial institution credit information system.

[0026] The bank credit certificate is an electronic commitment payment certificate applied by the second party (the loan initiator) to the fund management server with its account fund or credit line as the security deposit, and the fund management institution promises to The electronic credit vouchers for the collection and payment settlement of the transfer conditions are a kind of Internet innovation basic financial instrument paid by the credit management institution.

[0027] The second party (loan initiator) refers to an individual or organization that has an intention to initiate lending to the first party. However, in the actual lending transaction, the fund management institution plays the role of the lender, and the second party (the loan initiator) has the loan intention, and then applies to the fund management institution to apply for the silver letter certificate, and then the fund management institution according to the silver The letter of credit lends money to the first party; if the first party repays the loan, the bank letter applied for by the second party is thawed, and the second party and the fund management agency collect the loan interest according to the agreement; If the payment is not made, the bank letter will remain frozen for a fixed period of time, and the fund management agency will collect the account from the first party. If the first party repays within a fixed period of time (the fund management agency successfully collects the money), The bank letter is still thawed, and the second party and the fund management agency collect the loan interest as agreed. Compared with the traditional lending method, the creditor pulls the fund management institution into the lending transaction process, and the fund management institution becomes the de facto lender. When the fund management institution lends to the debtor’s peer, the funds in the second participant’s account are only temporary.吋 Freeze, this kind of freezing does not affect the acquisition of deposit interest of the second party, and the fund management institution is pulled into the loan transaction process, making data processing safer and faster.

[0028] The following detailed description will be made by way of specific examples.

[0029] Referring to FIG. 1 and FIG. 2, a first embodiment of a lending method of the present invention is proposed. The lending method includes the following steps:

[0030] Sl l, 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.

[0031] Specifically, the second party participates in the fund management institution and deposits the deposit, and 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. After the loan information and other loan information, the second party applies to the fund management server according to the loan information, and after the fund management server sets up the bank letter, the fund management server freezes the second party according to the application of the second party. The funds corresponding to the banknotes on the deposit account, and the corresponding amount of loans are issued to the first party according to the bank letter.

[0032] It should be noted that although the funds corresponding to the silver letter certificate applied for by the second party are frozen, the frozen funds are still in the account of the second party, but the funds are in an unusable state, but also Does not affect the collection of deposit interest of the second party during the freezing period. The interest on the deposit can be interest on the demand deposit or the agreed interest on the time deposit. For example, the balance of the second participant's account fund is 300,000, and the bank management server has applied for a 200,000 silver letter and is frozen, but the fund management server still presses 30. The fund balance calculates the current interest, or the fund management 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.

[0033] S12. 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.

[0034] In this step S12, the first party repays part of the loan to the fund management institution within the agreed repayment period, and after the fund management institution receives the part of the loan, the fund management server unfreezes the silver letter according to the repayment amount. Part of the funds, for example, this part of the funds is the amount of funds equal to the part of the loan repaid by the first party. Similarly, the part of the thawed funds automatically becomes available in the account of the second party.

And can pay the deposit interest corresponding to the part of the funds that are thawed.

[0035] S13. 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 that the second party repays the remaining loan sent by the second party during the repayment period.

[0036] In this step S13, when the first party cannot repay the remaining loan within the repayment period, the second party can repay the remaining loan, that is, the second party can send the generation to the fund management server within the repayment period. The first party repays the notice of the remaining loan. After receiving the notice, 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 deposit interest corresponding to the remaining frozen funds that the participant pays and pays.

[0037] The deposit interest corresponding to the frozen funds corresponding to the silver credit may not be separately paid in step S12 and step S13, but the deposit interest corresponding to all the frozen funds shall be paid together to the first in step S13. Two participants.

[0038] Thus, in the lending method of the embodiment, the fund management institution becomes a de facto lender by pulling the fund management institution into the lending transaction process. In the same period that the fund management institution lends to the first party (debtor), the funds in the account of the second party are only temporarily frozen. This kind of freezing does not affect the acquisition of deposit interest of the second party and maintains the interests of the creditors; The fund management institution makes loans according to the frozen funds of the second participant, which improves the financial security of the fund management institution; meanwhile, allows the second participant to help the first participation if the first participant is unable to fully repay the loan. The party repays the remaining loans, making the repayment method more flexible and user-friendly; since the fund management agency is the de facto lender, the first participation After the 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 the creditors. In addition, the fund management institution will be dragged into the loan transaction process, making data processing safer and faster. .

[0039] Referring to FIG. 3, a second embodiment of the lending method of the present invention is proposed. The lending method includes the following steps: [0040] 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.

[0041] S22. 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.

[0042] S23. 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 that the second party repays the remaining loan sent by the second party during the repayment period.

[0043] In this embodiment, steps S21-S23 are the same as steps S11-S13 in the first embodiment, and details are not described herein again.

[0044] S24. The money management server reduces the credit rating of the first party or/and increases the credit rating of the second party.

[0045] This embodiment introduces a credit function. When the first participant is unable to repay the remaining loan, and the second participant helps the first participant to repay the remaining loan, 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 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 protecting the interests of the second party, the creditor.

Referring to FIG. 4, a third embodiment of the lending method of the present invention is proposed. The lending method includes the following steps: [0047] S3 The fund management server firstly follows the banknote certificate established by the second party application Participants will issue loans of the corresponding amount and freeze the funds corresponding to the bank letter.

[0048] S32. The fund management server unfreezes part of the funds corresponding to the partial bank loan repaid by the first party within the agreed repayment term, and allocates the loan in the second participant account and the fund management account according to a preset rule. interest.

[0049] In this embodiment, the second participant and the fund management institution also agree on the allocation of the loan interest, that is, the implementation. In the example, the second party can not only obtain deposit interest, but also obtain 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.

[0050] In 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). 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 repayment amount. For example, the part of the fund is the part of the loan principal repaid with the first participant and the corresponding first The loan interest equals the amount of funds, and the second loan interest repaid by the first participant is distributed to the second participant's account, and the deposit interest corresponding to the defrosted fund corresponding to the bank letter can be calculated, thereby making the first 2. Participants receive the proceeds of loan interest and deposit interest.

[0051] S33. 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 that the second participant repays the remaining loan during the repayment period.

[0052] In step S33, when the first party cannot repay the remaining loan within the repayment period, the second party can repay the remaining loan, that is, the second party can send the generation to the fund management server within the repayment period. The first party repays the notice of the remaining loan. After receiving the notice, 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 deposit interest corresponding to the remaining frozen funds that the participant pays and pays.

[0053] The deposit interest corresponding to the frozen funds corresponding to the silver credit may not be separately paid in steps S32 and S33, but the deposit interest corresponding to all the frozen funds shall be paid together to the first in step S33. Two participants.

[0054] Thus, in the lending method of the embodiment, 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. .

[0055] Referring to FIG. 5, a fourth embodiment of the lending method of the present invention is provided. The lending method includes the following steps: [0056] S41. The money 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.

[0057] after the fund management server receives the silver letter of the certain loan amount of the second participant's cookware, freezes the The funds corresponding to the silver letter certificate, and the corresponding amount of loans are issued to the first participant according to the bank letter certificate.

[0058] S42. The fund management server unfreezes a portion of the funds corresponding to the partial credits repaid by the first party within the agreed repayment term, and allocates the loans in the second participant account and the fund management account according to a preset rule. interest.

[0059] S43. 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 that the second party repays the remaining loan sent by the second party during the repayment period.

[0060] In this embodiment, steps S41-S43 are the same as steps S31-S33 in the third embodiment, and details are not described herein again.

[0061] S44. The fund management server reduces the credit rating of the first party or/and increases the credit rating of the second party.

[0062] This embodiment introduces a credit function. When the first participant is unable to repay the remaining loan, and the second participant helps the first participant to repay the remaining loan, 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.

[0063] Referring to FIG. 6, a first embodiment of a lending system of the present invention is proposed. 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 interest. Payout module, where:

[0064] The lending module is configured to issue a loan corresponding to the first participant according to the silver credit card established by the second participant application, and freeze the funds corresponding to the silver credit card.

[0065] The first loan collection module: is configured to release part of the funds corresponding to the partial bank loan repayment of the silver credit according to the partial repayment period of the first party.

[0066] The second collection and withdrawal module is configured to allocate the remaining frozen funds corresponding to the silver credit card to the fund within the agreed time limit according to the notification that the second participant repays the remaining loan during the repayment period Manage accounts.

[0067] The interest payment module: is set to pay the deposit interest of the funds corresponding to the bank letter during the freezing period. [0068] Further, the first collection and withdrawal module is further configured to: allocate loan interest in the second participant account and the fund management account according to a preset rule.

[0069] Thus, in the lending system of the embodiment, the fund management institution lends to the borrower's peer, the second participant applies to the fund management institution, and the fund management institution issues the bank letter, and the second party's account The funds are only temporarily suspended. This kind of freezing does not affect the acquisition of deposit interest of the second party. In addition, in some cases, it can also obtain the loan interest paid by the first party and maintain the interests of the second party; The fund management institution makes loans according to the frozen funds of the second participant, which improves the financial security of the fund management institution; meanwhile, allows the second participant to help the first participation if the first participant is unable to fully repay the loan. The repayment of the remaining loans makes the repayment method 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. The risk of default, safeguarding the interests of creditors; in addition, the fund management agency is drawn into the lending transaction process, Make data processing safer and faster.

[0070] Referring to FIG. 7, 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.

[0071] 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 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.

[0072] It should be noted that the technical features in the foregoing method embodiments can be correspondingly applied in the embodiment of the device, and are not repeatedly described herein.

[0073] It will be understood by those skilled in the art that all or part of the steps of the foregoing embodiments may be implemented by a program to control related hardware, and the program may be stored in a computer readable storage medium. The storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.

[0074] It should be understood that the above is only a preferred embodiment of the present invention, and thus cannot limit the patent scope of the present invention. The equivalent structure or equivalent process transformation made by using the specification and the drawings of the present invention, or directly or indirectly applied to other related technical fields, is equally included in the industrial applicability of the patent protection scope of the present invention.

The lending method and the lending system provided by the present invention make the fund management institution a de facto lender by pulling the fund management institution into the lending transaction process. In the same time that the fund management institution lends to the first party (the borrower, that is, the debtor), the second party applies to the fund management agency and the bank letter issued by the fund management server is only used as a credit guarantee. The funds in the account are only Temporary freezing, this kind of freezing does not affect the acquisition of deposit interest of the second party. In addition, in some cases, the interest of the loan paid by the first party can be obtained, and the interests of the creditor are safeguarded; and the fund management institution is based on the freezing of the creditor. The funds are used 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 participant to repay the remaining loan, making the repayment method more flexible. And humanization; because 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 the second party. In addition, the money management agency is pulled into the lending transaction process, making According to the process safer and faster. Therefore, it has industrial applicability.

Claims

Claim

[Claim 1] A method of lending, comprising the steps of:

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 credit certificate according to the partial loan repaid by the first party in the agreed repayment period;

And the fund management server allocates the remaining frozen funds corresponding to the silver credit card to the fund within the agreed time limit according to the notification that the second participant sends the remaining loan on behalf of the first participant during the repayment term; Manage accounts;

Wherein the silver credit certificate is an electronic commitment payment voucher 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 a margin, the fund The funds corresponding to the bank letter of the management server still pay the deposit interest during the freezing period.

[Claim 2] The lending method according to claim 1, wherein 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 steps of the steps also include:

The fund management server allocates loan interest in the second participant account and the fund management account according to a preset rule.

[Claim 3] The lending method according to claim 1, wherein the method further comprises: after the second participant repays the remaining loan on behalf of the first participant, the fund management server lowers the number A credit rating of a participant.

[Claim 4] The loan method according to any one of claims 1-3, wherein the method further comprises: after the second participant repays the remaining loan on behalf of the first participant, the fund management The server increases the credit rating of the second participant.

[Claim 5] The lending method according to any one of claims 1 to 3, wherein the deposit interest is a current deposit interest or an agreed time deposit interest.

[Claim 6] A lending system, including:

The lending module is set to participate in the first participation based on the bank letter issued by the second party application The party issues a loan of the corresponding amount and freezes the funds corresponding to the bank letter; the first collection and withdrawal module is configured to unfreeze the bank letter according to the part of the loan repaid by the first party within the agreed repayment period Corresponding part of the funds;

a second collection and withdrawal module, configured to allocate, according to the notification that the second participant repays the remaining loan on behalf of the first participant during the repayment period, to allocate the corresponding credit certificate within the agreed time limit The remaining frozen funds to the fund management account;

The interest payment module is set to calculate the deposit interest of the funds corresponding to the bank letter during the freezing period;

The silver credit certificate is an electronic commitment payment voucher that is applied by the second party to the fund management server and is established by the fund management server by using the account fund or the credit line as the margin.

[Claim 7] The loan system according to claim 6, wherein the first loan collection module is further configured to

: Allocate loan interest in the second participant account and the fund management account according to the preset rules.

[Claim 8] The loan system according to claim 6, wherein the deposit interest is a demand deposit interest or an agreed time deposit interest.

[Claim 9] The loan system according to any one of claims 6-8, further comprising a credit management module, wherein the credit management module is configured to: when the second participant represents the first participant After repaying the remaining loan, the credit rating of the first participant is lowered.

[Claim 10] The loan system according to claim 9, wherein the credit management module is further configured to: when the second participant repays the remaining loan on behalf of the first participant, The credit rating of the two participants.