WO2016191973A1 - Procédé de prêt et système de prêt - Google Patents

Procédé de prêt et système de prêt Download PDF

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Publication number
WO2016191973A1
WO2016191973A1 PCT/CN2015/080386 CN2015080386W WO2016191973A1 WO 2016191973 A1 WO2016191973 A1 WO 2016191973A1 CN 2015080386 W CN2015080386 W CN 2015080386W WO 2016191973 A1 WO2016191973 A1 WO 2016191973A1
Authority
WO
WIPO (PCT)
Prior art keywords
participant
loan
fund management
party
funds
Prior art date
Application number
PCT/CN2015/080386
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English (en)
Chinese (zh)
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 CA2987300A priority Critical patent/CA2987300C/fr
Priority to PCT/CN2015/080386 priority patent/WO2016191973A1/fr
Publication of WO2016191973A1 publication Critical patent/WO2016191973A1/fr

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Classifications

    • 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 electronic information technology, and in particular, to a lending method and a lending system.
  • 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.
  • 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.
  • 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 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;
  • silver credit is used by the second party as a deposit with its account funds or credit line.
  • 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 participant 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;
  • 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;
  • 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
  • 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.
  • 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.
  • 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.
  • a credit function may also be introduced.
  • 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.
  • 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 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.
  • the second party refers to an individual or organization that has an intention to initiate lending to the first party.
  • 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.
  • the fund management agency 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. ⁇ 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.
  • the lending method includes 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 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 according to the loan information
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the part of the thawed funds automatically becomes available in the account of the second party.
  • 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.
  • 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.
  • the fund management server 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 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.
  • the fund management institution becomes a de facto lender by pulling the fund management institution into the lending transaction process.
  • 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. .
  • 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.
  • 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.
  • 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.
  • steps S21-S23 are the same as steps S11-S13 in the first 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 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.
  • 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.
  • 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.
  • the second participant and the fund management institution also agree on the allocation of the loan interest, that is, the implementation.
  • 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.
  • 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 repayment amount.
  • 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
  • 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.
  • 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.
  • 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.
  • the fund management server 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 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.
  • 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: [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.
  • the fund management server 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.
  • 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.
  • 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.
  • steps S41-S43 are the same as steps S31-S33 in the third 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 protecting the interests of the second party, the creditor.
  • 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:
  • 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.
  • 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.
  • 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.
  • 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 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.
  • 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.
  • 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.
  • the fund management agency 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.
  • 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 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.
  • the storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • 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.
  • 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.
  • 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.
  • 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.
  • the money management agency is pulled into the lending transaction process, making According to the process safer and faster. Therefore, it has industrial applicability.

Abstract

L'invention concerne un procédé de prêt et un système de prêt, le procédé comprenant les opérations suivantes : selon un certificat de crédit bancaire ouvert par l'intermédiaire d'une demande par un second participant, un serveur de gestion de fonds accorde un prêt ayant une limite correspondante à un premier participant, et bloque des fonds correspondant au certificat de crédit bancaire (S11) ; selon une partie du prêt remboursée par le premier participant dans une date limite de remboursement convenue, le serveur de gestion de fonds débloque une partie des fonds correspondant au certificat de crédit bancaire (S12) ; selon une notification envoyée dans la date limite de remboursement par le second participant pour rembourser le reste du prêt à la place du premier participant, le serveur de gestion de fonds transfère le reste des fonds bloqués correspondant au certificat de crédit bancaire à un compte de gestion de fonds dans une date limite convenue (S13). Le serveur de gestion de fonds paie toujours un intérêt de dépôt sur les fonds correspondant au certificat de crédit bancaire dans une période de blocage. La présente invention réduit ainsi le risque d'anomalie, protège les intérêts du créancier, et augmente la sécurité de fonds du mécanisme de gestion de fonds, de telle sorte que les moyens de remboursement de prêt sont plus souples et humanisés.
PCT/CN2015/080386 2015-05-29 2015-05-29 Procédé de prêt et système de prêt WO2016191973A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA2987300A CA2987300C (fr) 2015-05-29 2015-05-29 Procede de pret et systeme de pret
PCT/CN2015/080386 WO2016191973A1 (fr) 2015-05-29 2015-05-29 Procédé de prêt et système de prêt

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/080386 WO2016191973A1 (fr) 2015-05-29 2015-05-29 Procédé de prêt et système de prêt

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WO2016191973A1 true WO2016191973A1 (fr) 2016-12-08

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WO (1) WO2016191973A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108876594A (zh) * 2018-05-30 2018-11-23 重庆小雨点小额贷款有限公司 一种还款方法、装置、终端及计算机可读介质

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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
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
CN104166882A (zh) * 2014-08-04 2014-11-26 武汉金融资产交易所有限公司 基于p2p技术的金融资产交易方法
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
CN104899784A (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

Patent Citations (5)

* Cited by examiner, † Cited by third party
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
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
CN104166882A (zh) * 2014-08-04 2014-11-26 武汉金融资产交易所有限公司 基于p2p技术的金融资产交易方法
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
CN104899784A (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

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108876594A (zh) * 2018-05-30 2018-11-23 重庆小雨点小额贷款有限公司 一种还款方法、装置、终端及计算机可读介质

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CA2987300C (fr) 2023-09-12

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