WO2016191981A1 - 还贷处理方法和系统 - Google Patents

还贷处理方法和系统 Download PDF

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Publication number
WO2016191981A1
WO2016191981A1 PCT/CN2015/080401 CN2015080401W WO2016191981A1 WO 2016191981 A1 WO2016191981 A1 WO 2016191981A1 CN 2015080401 W CN2015080401 W CN 2015080401W WO 2016191981 A1 WO2016191981 A1 WO 2016191981A1
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WO
WIPO (PCT)
Prior art keywords
repayment
participant
fund management
account
party
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PCT/CN2015/080401
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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 PCT/CN2015/080401 priority Critical patent/WO2016191981A1/zh
Priority to CA2987304A priority patent/CA2987304A1/en
Publication of WO2016191981A1 publication Critical patent/WO2016191981A1/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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to the field of financial technologies, and in particular, to a method and system for repaying loans.
  • Traditional lending generally refers to a way of lending money to a debtor and collecting fixed income, mainly including bank lending and private lending.
  • the borrower initiates the settlement demand.
  • the lender intends to lend the loan to the borrower.
  • the two parties reach a loan transaction through oral or written agreement. If the borrower repays the loan within the agreed time limit, the lender receives the loan principal and interest, if the borrower does not press
  • the repayment period is agreed upon, and the period of recovery is unlimited.
  • the advantage of traditional lending methods is that there are fixed incomes.
  • the repayment period is indefinitely extended, or it is not uncommon for direct lenders to recover their loans, resulting in the proliferation of borrowing defaults.
  • the lender’s funds are not guaranteed.
  • the technical problem to be solved by the present invention is to provide a repayment processing method and system to improve the default cost of the first party and reduce the risk of loan funds.
  • a loan repayment processing method is provided, which is applied to a fund management server, and the method includes The following steps:
  • the part of the frozen funds corresponding to the repayment amount is allocated to the fund management account according to the repayment amount;
  • the second participant receives the notification that the first participant pays off the remaining repayment within the preset dunning period, the remaining frozen funds corresponding to the silver credit card are allocated to the fund management account;
  • the silver credit certificate is an electronic commitment payment certificate applied by the second participant to the fund management server and held by the fund management server with the account fund or the credit line as the margin.
  • a loan repayment processing system for use in a fund management server, the system comprising the following modules:
  • the first repayment processing module is configured to receive, after receiving the notification that the second participant replaces the repayment of the first participant part within the preset repayment term, and allocate the partial frozen funds corresponding to the banknote according to the repayment amount Go to the fund management account;
  • the second repayment processing module is configured to allocate the remaining frozen funds corresponding to the silver credit card to the fund if the second participant receives the notification that the first participant pays off the remaining repayment within the preset dunning period Management account
  • the default processing module is configured to: if the remaining repayment amount is not received after the preset dunning period is exceeded, allocate the remaining frozen funds corresponding to the silver credit card to the fund management account, and synchronize the record of the first party’s default to Fund management credit reporting system;
  • the silver credit certificate is an electronic commitment payment certificate applied by the second party to the fund management server and held by the fund management server by using the account fund or the credit line as the deposit.
  • the loan repayment processing method and system provided by the present invention, by introducing a bank credit guarantee to conduct a loan transaction, synchronizing the first party's default record to the fund management credit information system and inputting a credit stain, thereby increasing the first party Default cost.
  • the peers provide the second participant to replace the first party part of the repayment method, which can alleviate the short-term financial pressure of the first party and improve the possibility of successful repayment.
  • the frozen funds corresponding to the bank letter will be allocated to the fund management account, and the second party will bear the loss of the non-return loan, thereby reducing the risk of loan funds and making the loan transaction safer.
  • FIG. 1 is a flowchart of a method for processing a loan repayment according to an embodiment of the present invention.
  • FIG. 2 is a flowchart of another method for processing a loan repayment according to an embodiment of the present invention.
  • 3 is a block diagram of a repayment processing system according to an embodiment of the present invention.
  • FIG. 4 is a block diagram of another repayment processing system according to an embodiment of the present invention.
  • the first party is the borrower.
  • the second participant refers to the individual or organization that intends to initiate the loan intention to the first participant, but plays a guarantee role in the actual loan transaction.
  • a money management institution is a financial institution that can support capital flows and transactions, and acts as a lender in lending transactions.
  • the silver letter certificate is an electronic commitment payment certificate that the second party applies to the fund management server and is established by the fund management server with the account fund or the credit line as the margin.
  • the silver letter certificate is an electronic credit certificate that the fund management institution promises to handle the settlement and payment according to the payment conditions.
  • the bank letter is a kind of Internet innovation basic financial instrument paid by the credit management institution's credit commitment. It is mainly for the buyer's products.
  • a money management agency is one that supports financial flows, including but not limited to banks and other financial institutions (such as securities institutions).
  • the fund management server includes a bank server or other financial institution server; the fund management account includes a bank loan account or other financial institution loan account; and the fund management credit information system includes a PBC credit information system or other financial institution credit information system.
  • the second participation direction fund management server applies for the establishment of the bank credit certificate as a guarantee for the loan to others, and the fund management server receives the silver letter with the amount equal to the loan amount applied by the second party. After the certificate, the corresponding amount in the second participant's account is frozen, and the loan is issued to the first participant on this condition. It should be noted that although the bank letter issued by the second party is frozen, the funds are still in the second participant's account, but the funds are in an unusable state, but it does not affect the second party's current period during the freezing period. The collection of interest.
  • the balance of the second participant's account fund is 300,000, and 200,000 silver letters are issued to the fund management server and frozen, but the fund management server still calculates the current interest based on the balance of 300,000 yuan, or the fund management server.
  • Calculate the second party based on the balance of 100,000 funds Current interest, and the interest on the current period of the bank’s credit freeze is calculated separately.
  • a repayment processing method provided by an embodiment of the present invention is applied to a fund management server.
  • the method includes the following steps:
  • part of the frozen funds corresponding to the bank letter will be allocated to the fund management account.
  • the silver credit certificate is an electronic commitment payment voucher that is applied to the fund management server by the second participant with its account fund or credit line as a security deposit and is established by the fund management server.
  • the first participant and the second participant may reach an agreement offline, and the second participant replaces the first participant part of the repayment within the preset dunning period, providing a more flexible repayment method to alleviate the first party's Short-term funding pressure
  • the fund management institution may promptly repay the remaining loan through the fund management server or manually, and if the dunning fails, the bank letter corresponding to the banknote
  • the frozen funds are transferred to the fund management account to ensure that the loan funds of the fund management institution are not at risk, and the second party is responsible for the loss of the loan.
  • the peer synchronizes the default record of the first party to the fund management credit system, and by entering the credit smear to the first party, the first party can not use the credit line, thereby increasing the default cost of the first party.
  • a repayment processing method provided by an embodiment of the present invention is described by taking a fund management institution as a bank and a fund management server as a bank server as an example.
  • the method includes the following steps: [0033] S201. Determine whether all loan funds and loan interest of the first participant within the preset repayment term are received, and if yes, execute step S202, otherwise step S204 is performed.
  • S202 Unfreeze all the frozen funds corresponding to the silver credit, and allocate the loan interest in the second participant account and the bank loan account according to a preset rule.
  • the bank server unfreezes all remaining frozen funds corresponding to the bank letter, and the same, the thawed frozen funds and The corresponding current interest automatically becomes available in the second participant's funds account.
  • the bank server allocates loan interest in the second participant account and the bank loan account according to preset rules.
  • S203 Synchronize the first party to the bank credit information system according to the loan repayment record, increase the credit level of the first party, and go to step S213.
  • This step can encourage the first party to actively repay the loan by increasing the credit level of the first party.
  • step S204 Determine whether a notification that the second participant replaces the first participant part repayment within the preset repayment term is received, and if yes, execute step S205, otherwise step S207 is performed.
  • the first participant and the second participant may reach an agreement offline, and the second participant replaces the first participant part of the repayment within the preset dunning period to provide a more flexible repayment method. Alleviate the short-term financial pressure of the first party and improve the possibility of successful loan repayment.
  • S205 Allocating part of the frozen funds corresponding to the banknote according to the repayment amount to the bank loan account.
  • the bank server increases the credit level of the second participant to activate the second participant.
  • the loan interest corresponding to the above-mentioned partially frozen funds and the late payment fee during the dunning period may be allocated in the second participant account and the bank loan account according to a preset rule.
  • S207 Perform a dunning to the first participant within a preset dunning period.
  • the bank may manually urge the first party to repay the loan, or may repay the remaining loan through the bank server in an all-round manner, for example, by using one or a combination of the following methods: The phone number or mobile phone preset by the participant, sending an email notification to the email address preset by the first participant, pushing the information to the software program client registered with the first participant, and sending the mobile number to the first participant's preset mobile number SMS notification, sending QQ message to the QQ number preset by the first participant, or to the first parameter The message is sent with the preset micro-signal code.
  • step S208 Determine whether the second participant receives the notification that the first participant pays off the remaining repayment within the preset dunning period. If yes, step S209 is performed; otherwise, step S211 is performed.
  • step S210 The loan interest is allocated in the second participant account and the bank loan account according to a preset rule, and the late payment fee in the reminder period is executed, and step S213 is performed.
  • S212 Synchronize the record of the first party default to the bank credit information system, and reduce the credit level of the first party.
  • the first party's default record is synchronized to the bank credit information system, and the first party is further unable to use the bank credit line by entering the credit smudge to the first party, thereby further improving the first party.
  • the cost of default reducing the possibility of default by the first party.
  • the second party and the bank allocate the loan interest according to the agreed rules. If the first party fails to repay the loan, the bank letter will remain frozen for a fixed period (the dunning period), and the bank will reimburse the first party through the labor or bank server. Repayment of the remaining funds within the dunning period (bank dunning success), the bank letter is still unfrozen, the second party and the bank distribute the loan interest and late payment fee as agreed; if the first party does not press during the dunning period ⁇ Repayment (failure of bank dunning), the remaining frozen funds corresponding to the bank letter will be transferred to the bank loan account, and the second party will bear the loss of the loan, thus protecting the interests of the bank.
  • the first time is further increased by increasing the late payment fee within the dunning period and lowering the credit level after the first party defaults, so that the credit line cannot be used subsequently.
  • the default cost of the participant By synchronizing the second participant's repayment record of the first party to the bank credit information system, the credit level of the second party is increased, and the second party is encouraged to actively repay the loan on behalf of the first party, thereby further improving the repayment success.
  • the possibility Moreover, in the case of default by the first party, the remaining frozen funds corresponding to the silver letter will be released to the bank loan account, and the second party will bear the loss of the loan, thereby ensuring the interests of the bank and making the loan Trading is safer.
  • a repayment processing system provided by an embodiment of the present invention is applied to a fund management server, and the system includes a first repayment processing module 10, a second repayment processing module 20, and a default processing module. 30.
  • the first repayment processing module 10 is configured to receive, after receiving the notification that the second participant replaces the repayment of the first participant part within the preset repayment term, and allocate the partial freeze corresponding to the remittance amount according to the repayment amount. Funds to the fund management account.
  • the second repayment processing module 20 is configured to: if the second participant receives the notification that the first participant pays off the remaining repayment within the preset dunning period, allocates the remaining frozen funds corresponding to the silver credit card to Fund management account.
  • the default processing module 30 is configured to: if the remaining repayment amount is not received after the preset dunning period is exceeded, allocate the remaining frozen funds corresponding to the silver credit card to the fund management account, and synchronize the record of the first party's default Go to the fund management credit system.
  • the silver credit card is an electronic commitment payment voucher that is applied to the fund management server by the second party with its account fund or credit line as a security deposit and is established by the fund management server.
  • the second processing module 20 is further configured to: allocate loan interest in the second participant account and the fund management account according to a preset rule, and a late payment fee within the payment deadline.
  • the system further includes a dunning module 40 and a credit management module 50.
  • the dunning module 40 is arranged to reimburse the first party for the loan within the preset dunning period.
  • the dunning module 40 may be specifically configured to perform dunning by any one or more of the following combinations: dialing a telephone number or a mobile phone preset by the first participant, preset to the first participant The e-mail sends an e-mail notification, pushes the information to the software program client registered with the first participant, sends a short message notification to the mobile number preset by the first participant, sends a QQ message to the QQ number preset by the first participant, or sends a message to the first participant's preset QQ number, or The first participant presets the micro-signal to send the message.
  • the dunning module 40 can be omitted by manual offline.
  • the credit management module 50 is configured to increase the credit level of the second participant if the second participant receives the notification of repaying or repaying the remaining repayment in the preset dunning period instead of the first participant. ; and / or if the remaining repayments are not received after the default dunning period has elapsed, lower the credit level of the first party.
  • the present invention provides an intelligent financial lending transaction system, introduces a bank credit guarantee to conduct a loan transaction, synchronizes the first party's default record to the fund management credit information system, and can increase the default cost of the first party.
  • the peers provide the second party to replace the first party part of the repayment method, which can alleviate the short-term capital pressure of the first party and improve the possibility of repayment success, thereby reducing the risk of loan funds and making the loan transaction safer.
  • the subsequent credit line cannot be used, thereby further increasing the default cost of the first party.
  • the second participant By increasing the credit level of the second participant, the second participant is encouraged to actively repay the first party on behalf of the party, further improving the possibility of successful loan repayment. Moreover, in the case of default by the first party, the remaining frozen funds corresponding to the silver letter will be released to the bank loan account, and the second party will bear the loss of the loan, thereby ensuring the interests of the bank and making the loan Trading is safer. Therefore, it has industrial practicality.

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Abstract

本发明公开了一种还贷处理方法和系统，属于金融技术领域。其中，该方法包括：接收到第二参与方在预设还贷期限内代替第一参与方部分还款的通知后，根据还款金额划拨银信证对应的部分冻结资金到资金管理账户；如果接收到第二参与方在预设催款期限内代替第一参与方还清剩余还款的通知，划拨银信证对应的剩余冻结资金到资金管理账户；如果超过预设的催款期限后未收到剩余还款，划拨银信证对应的剩余冻结资金到资金管理账户。采用本发明，通过引入银信证担保进行借贷交易，能增加第一参与方的违约成本，同时提供第二参与方代替第一参与方部分还款的灵活方式，能提高还贷成功的可能性，从而降低贷款资金风险，使得借贷交易更安全。

Description

说明书 发明名称：还贷处理方法和系统
技术领域
[0001] 本发明涉及金融技术领域， 尤其涉及一种还贷处理方法和系统。
背景技术
[0002] 传统的借贷一般是指将资金出借给债务人而收取固定收益的一种方式， 主要包 括银行借贷和民间借贷。 由借款方发起结算需求， 贷款人有意向贷款给借方吋 ， 双方通过口头或者书面约定达成借贷交易， 如果借款方按约定期限还款， 贷 款人收到贷款本金和利息， 如果借款方不按约定期限还款， 其追款期限无限延 长。 传统借贷方式的优点在于有固定的收益， 但由于缺乏资金担保和监管机制 ， 尤其民间借贷活动中， 还款期限无限期延长， 或者直接贷款人难以追回贷款 的事件屡见不鲜， 造成借贷违约泛滥， 贷款方资金得不到保障。
[0003] 由此可见， 现阶段需要一种改进的还贷处理方法， 以提高借款方的违约成本和 降低贷款资金风险， 使得借贷交易更安全。
技术问题
[0004] 有鉴于此， 本发明要解决的技术问题是提供一种还贷处理方法和系统，以提高 第一参与方的违约成本和降低贷款资金风险。 问题的解决方案
技术解决方案
[0005] 为解决上述技术问题， 本发明解决上述技术问题所采用的技术方案如下： [0006] 根据本发明的一个方面， 提供的一种还贷处理方法， 应用于资金管理服务器， 该方法包括以下步骤：
[0007] 接收到第二参与方在预设还贷期限内代替第一参与方部分还款的通知后， 根据 还款金额划拨银信证对应的部分冻结资金到资金管理账户；
[0008] 如果接收到第二参与方在预设催款期限内代替第一参与方还清剩余还款的通知 ， 划拨银信证对应的剩余冻结资金到资金管理账户；
[0009] 如果超过预设的催款期限后未收到剩余还款， 划拨银信证对应的剩余冻结资金 到资金管理账户，并将第一参与方违约的记录同步到资金管理征信系统；
[0010] 其中， 银信证是由第二参与方以其账户资金或授信额度作为保证金而向资金管 理服务器申请并由资金管理服务器幵立的电子承诺支付凭证。
[0011] 根据本发明的一个方面， 提供的一种还贷处理系统， 应用于资金管理服务器， 该系统包括以下模块：
[0012] 第一还款处理模块， 设置为接收到第二参与方在预设还贷期限内代替第一参与 方部分还款的通知后， 根据还款金额划拨银信证对应的部分冻结资金到资金管 理账户；
[0013] 第二还款处理模块， 设置为如果接收到第二参与方在预设催款期限内代替第一 参与方还清剩余还款的通知， 划拨银信证对应的剩余冻结资金到资金管理账户
[0014] 违约处理模块， 设置为如果超过预设的催款期限后未收到剩余还款， 划拨银信 证对应的剩余冻结资金到资金管理账户， 并将第一参与方违约的记录同步到资 金管理征信系统；
[0015] 其中， 银信证是由第二参与方以其账户资金或授信额度作为保证金而向资金管 理服务器申请并由资金管理服务器幵立的电子承诺支付凭证。
发明的有益效果
有益效果
[0016] 本发明提供的还贷处理方法和系统， 通过引入银信证担保进行借贷交易， 将第 一参与方的违约记录同步到资金管理征信系统并录入信用污点， 从而增加第一 参与方的违约成本。 同吋提供第二参与方代替第一参与方部分还款方式， 能缓 解第一参与方的短期资金压力， 提高还贷成功的可能性。 在第一参与方违约的 情况下， 划拨银信证对应的冻结资金到资金管理账户， 由第二参与方承担追不 回贷款的损失， 从而降低贷款资金风险， 使得借贷交易更安全。
对附图的简要说明
附图说明
[0017] 图 1为本发明实施例提供的一种还贷处理方法的流程图。
[0018] 图 2为本发明实施例提供的另一种还贷处理方法的流程图。 [0019] 图 3为本发明实施例提供的一种还贷处理系统的模块结构图。
[0020] 图 4为本发明实施例提供的另一种还贷处理系统的模块结构图。
本发明的实施方式
[0021] 为了使本发明所要解决的技术问题、 技术方案及有益效果更加清楚、 明白， 以 下结合附图和实施例， 对本发明进行进一步详细说明。 应当理解， 此处所描述 的具体实施例仅仅用以解释本发明， 并不用于限定本发明。
[0022] 在本发明中， 第一参与方是借款方。 第二参与方是指有意向第一参与方发起贷 款意向的个人或组织， 但在实际借贷交易中起到了担保作用。 资金管理机构是 指能支持资金流动和交易的金融机构， 在借贷交易中起到贷款方的作用。 其中 ， 银信证是由第二参与方以其账户资金或授信额度作为保证金而向资金管理服 务器申请并由资金管理服务器幵立的电子承诺支付凭证。 银信证是资金管理机 构承诺依照解付条件办理收付结算的电子信用凭证。 银信证是以资金管理机构 信用承诺支付的一种互联网创新基础金融工具， 主要是针对买家的产品， 由卖 家下载收银台接入接口， 由买家完成银信证的幵证、 卖家完成收证并履约、 提 交解付， 最后银信证到期自动解付。 银信证不仅可以用商品购买， 也可用于抵 押担保。 资金管理机构是指能支持资金流动的机构， 包括但不限于银行和其他 金融机构 （如证券机构） 。 相应地， 资金管理服务器包括银行服务器或者其他 金融机构服务器； 资金管理账户包括银行贷款账户或者其他金融机构贷款账户 ； 资金管理征信系统包括人民银行征信系统或其他金融机构征信系统。 在本发 明中， 由第二参与方向资金管理服务器申请幵立银信证， 以此作为向他人贷款 的担保， 资金管理服务器接收到第二参与方申请幵立的具有与贷款金额等额的 银信证后， 冻结第二参与方帐户内相应的金额， 并以此为条件向第一参与方发 放贷款。 需要说明的是， 第二参与方所幵立的银信证虽然被冻结， 但资金仍然 在第二参与方帐户内， 只是资金处于不可利用的状态， 但也不影响冻结期间第 二参与方活期利息的收取。 比如说， 第二参与方账户资金余额为 30万， 向资金 管理服务器幵具了 20万的银信证并被冻结， 但资金管理服务器仍然按 30万的资 金余额计算活期利息， 或者资金管理服务器按 10万的资金余额计算第二参与方 活期利息， 并单独计算银信证冻结期间的资金活期利息。
[0023] 实施例一
[0024] 如图 1所示， 本发明实施例提供的一种还贷处理方法， 应用于资金管理服务器
， 该方法包括以下步骤：
[0025] S101、 接收到第二参与方在预设还贷期限内代替第一参与方部分还款的通知后
， 根据还款金额划拨银信证对应的部分冻结资金到资金管理账户。
[0026] 具体地， 其中， 银信证是由第二参与方以其账户资金或授信额度作为保证金而 向资金管理服务器申请并由资金管理服务器幵立的电子承诺支付凭证。 第一参 与方和第二参与方可以线下达成协议， 由第二参与方在预设的催款期限内代替 第一参与方部分还款， 提供更灵活的还款方式缓解第一参与方的短期资金压力
， 提高还贷成功的可能性。
[0027] S102、 如果接收到第二参与方在预设催款期限内代替第一参与方还清剩余还款 的通知， 划拨银信证对应的剩余冻结资金到资金管理账户。
[0028] S103、 如果超过预设的催款期限后未收到剩余还款， 则划拨银信证对应的剩余 冻结资金到资金管理账户， 并将第一参与方违约的记录同步到资金管理征信系 统。
[0029] 具体地， 在催款期限内 （比如一个月） ， 资金管理机构可以通过资金管理服务 器或者人工对第一参与方进行催还剩余贷款， 如果催款失败， 则将银信证对应 的冻结资金划拨到资金管理账户， 确保资金管理机构的贷款资金没有风险， 由 第二参与方承担追不回贷款的损失。 同吋将第一参与方的违约记录同步到资金 管理征信系统， 通过给第一参与方录入信用污点， 使第一参与方后继无法使用 授信额度， 从而提高第一参与方的违约成本。
[0030] 本实施例中， 通过引入银信证担保进行借贷交易， 能增加第一参与方的违约成 本， 同吋提供第二参与方代替第一参与方部分还款方式， 能提高还贷成功的可 能性， 从而降低贷款资金风险， 使得借贷交易更安全。
[0031] 实施例二
[0032] 如图 2所示， 本发明实施例提供的一种还贷处理方法， 以资金管理机构为银行 ， 资金管理服务器为银行服务器为例进行说明， 该方法包括以下步骤： [0033] S201、 判断是否接收到第一参与方在预设还贷期限内的全部贷款资金和贷款利 息， 如果是， 执行步骤 S202， 否则执行步骤 S204。
[0034] S202、 解冻银信证对应的全部冻结资金， 并按预设的规则在第二参与方账户和 银行贷款账户分配贷款利息。
[0035] 具体地， 如果第一参与方在约定贷款期限内全部还清贷款资金和贷款利息后， 银行服务器解冻银信证对应的剩余的全部冻结资金， 与此同吋， 解冻的冻结资 金和相应的活期利息在第二参与方资金帐户内自动变为可利用状态。 此外， 银 行服务器按预设的规则在第二参与方账户和银行贷款账户分配贷款利息。
[0036] S203、 将第一参与方按约还贷记录同步到银行征信系统， 提高第一参与方的信 用级别， 转至步骤 S213。
[0037] 本步骤通过提高第一参与方的信用级别， 可以激励第一参与方积极还贷。
[0038] S204、 判断是否接收到第二参与方在预设的还贷期限内代替第一参与方部分还 款的通知， 如果是， 执行步骤 S205 , 否则执行步骤 S207。
[0039] 具体地， 第一参与方和第二参与方可以线下达成协议， 由第二参与方在预设的 催款期限内代替第一参与方部分还款， 提供更灵活的还款方式缓解第一参与方 的短期资金压力， 提高还贷成功的可能性。
[0040] S205、 根据还款金额划拨银信证对应的部分冻结资金到银行贷款账户。
[0041] S206、 提高第二参与方的信用级别。
[0042] 具体地， 第二参与方代替第一参与方部分还款后， 银行服务器提高第二参与方 的信用级别， 以此激励第二参与方。 此外， 还可以按预设的规则在第二参与方 账户和银行贷款账户分配上述部分冻结资金对应的贷款利息、 以及催款期限内 的滞纳金。
[0043] S207、 在预设的催款期限内， 向第一参与方进行催款。
[0044] 具体地， 银行可以人工催第一参与方还剩余贷款， 也可以通过银行服务器全方 位的催还剩余贷款， 比如通过以下一种或几种方式的组合进行催还： 拨号通知 第一参与方预设的电话号码或移动电话、 向第一参与方预设的电子邮箱发送邮 件通知、 向第一参与方注册的软件程序客户端推送信息、 向第一参与方预设的 移动号码发送短信通知、 向第一参与方预设的 QQ号码发送 QQ消息、 或向第一参 与方预设的微信号码发送消息。
[0045] S208、 判断是否接收到第二参与方在预设的催款期限内代替第一参与方还清剩 余还款的通知， 如果是， 执行步骤 S209， 否则执行步骤 S211。
[0046] S209、 划拨银信证对应的部分冻结资金到银行贷款账户。
[0047] S210、 按预设的规则在第二参与方账户和银行贷款账户分配贷款利息、 以及催 款期限内的滞纳金， 执行步骤 S213。
[0048] S211、 划拨银信证的剩余冻结资金到银行贷款账户。
[0049] S212、 将第一参与方违约的记录同步到银行征信系统， 降低第一参与方的信用 级别。
[0050] 具体地， 将第一参与方的违约记录同步到银行征信系统， 通过给第一参与方录 入信用污点， 使第一参与方后继无法使用银行授信额度， 从而进一步提高第一 参与方的违约成本， 降低第一参与方违约的可能性。
[0051] S213、 结束流程。
[0052] 具体地， 如果第一参与方如约还款， 则解冻第二参与方所申请幵立的银信证， 第二参与方和银行按照约定规则分配贷款利息。 如果第一参与方未如约还款， 则银信证会在一个固定期限 （催款期限） 内保持冻结状态， 由银行通过人工或 者银行服务器向第一参与方进行催还， 第一参与方如果在催款期限内完成剩余 资金的还款 （银行催款成功） ， 依然解冻银信证， 第二参与方和银行按约定分 配贷款利息和滞纳金； 第一参与方如果在催款期限内没有按吋还款 （银行催款 失败） ， 则将银信证对应的剩余冻结资金划拨到银行贷款账户， 由第二参与方 承担追不回贷款的损失， 从而保障银行的利益。
[0053] 本发明实施例中， 在实施例一的基础上， 通过增加催款期限内的滞纳金， 以及 在第一参与方违约后降低信用级别使其后继无法使用授信额度， 从而进一步提 高第一参与方的违约成本。 通过将第二参与方代替第一参与方的还款记录同步 到银行征信系统， 提高第二参与方的信用级别， 激励第二参与方主动代第一参 与方还贷， 进一步提高还贷成功的可能性。 而且， 在第一参与方违约的情况下 ， 将划拨银信证对应的剩余冻结资金解付到银行贷款账户， 由第二参与方承担 追不回贷款的损失， 从而保证银行的利益， 使得贷款交易更安全。 [0054] 实施例三
[0055] 如图 3所示， 本发明实施例提供的一种还贷处理系统， 应用于资金管理服务器 ， 该系统包括第一还款处理模块 10、 第二还款处理模块 20和违约处理模块 30。
[0056] 第一还款处理模块 10， 设置为接收到第二参与方在预设还贷期限内代替第一参 与方部分还款的通知后， 根据还款金额划拨银信证对应的部分冻结资金到资金 管理账户。
[0057] 第二还款处理模块 20， 设置为如果接收到第二参与方在预设催款期限内代替第 一参与方还清剩余还款的通知， 划拨银信证对应的剩余冻结资金到资金管理账 户。
[0058] 违约处理模块 30， 设置为如果超过预设的催款期限后未收到剩余还款， 划拨银 信证对应的剩余冻结资金到资金管理账户， 并将第一参与方违约的记录同步到 资金管理征信系统。
[0059] 其中， 银信证是由第二参与方以其账户资金或授信额度作为保证金而向资金管 理服务器申请并由资金管理服务器幵立的电子承诺支付凭证。
[0060] 为了进一步提高第一参与方的违约或延期还款成本。 还第二款处理模块 20还设 置为： 按预设的规则在第二参与方账户和资金管理账户分配贷款利息、 以及催 缴期限内滞纳金。
[0061] 如图 4所示， 在某些实施例中， 该系统还包括催款模块 40和信用管理模块 50。
[0062] 催款模块 40设置为在预设的催款期限内， 向第一参与方催还贷款。
[0063] 具体地， 催款模块 40可以具体设置为通过以下任意一种或几种组合进行催款： 拨号通知第一参与方预设的电话号码或移动电话、 向第一参与方预设的电子邮 箱发送邮件通知、 向第一参与方注册的软件程序客户端推送信息、 向第一参与 方预设的移动号码发送短信通知、 向第一参与方预设的 QQ号码发送 QQ消息、 或 向第一参与方预设的微信号发送消息。 当然， 催款模块 40可以由人工在线下进 行而省略。
[0064] 信用管理模块 50， 设置为如果接收到第二参与方在预设的催款期限内代替第一 参与方部分还款或者还清剩余还款的通知， 提高第二参与方的信用级别； 和 /或 如果超过预设的催款期限后未收到剩余还款， 降低第一参与方的信用级别。 [0065] 需要说明的是， 上述方法实施例一和实施例二中的技术特征在本系统均对应适 用， 这里不再重述。
[0066] 本领域普通技术人员可以理解实现上述实施例方法中的全部或部分步骤是可以 通过程序来控制相关的硬件完成， 所述的程序可以在存储于一计算机可读取存 储介质中， 所述的存储介质， 如 ROM/RAM、 磁盘、 光盘等。
[0067] 以上参照附图说明了本发明的优选实施例， 并非因此局限本发明的权利范围。
本领域技术人员不脱离本发明的范围和实质内所作的任何修改、 等同替换和改 进， 均应在本发明的权利范围之内。
工业实用性
[0068] 本发明通过提供一种智能金融借贷交易系统， 引入银信证担保进行借贷交易， 将第一参与方的违约记录同步到资金管理征信系统， 能增加第一参与方的违约 成本， 同吋提供第二参与方代替第一参与方部分还款方式， 能缓解第一参与方 的短期资金压力， 提高还贷成功的可能性， 从而降低贷款资金风险， 使得借贷 交易更安全。 此外， 通过增加催款期限内的滞纳金， 以及在第一参与方违约后 降低信用级别使其后继无法使用授信额度， 从而进一步提高第一参与方的违约 成本。 通过提高第二参与方的信用级别， 激励第二参与方主动代第一参与方还 贷， 进一步提高还贷成功的可能性。 而且， 在第一参与方违约的情况下， 将划 拨银信证对应的剩余冻结资金解付到银行贷款账户， 由第二参与方承担追不回 贷款的损失， 从而保证银行的利益， 使得贷款交易更安全。 因此， 具有工业实 用性。

Claims

权利要求书
一种还贷处理方法， 应用于资金管理服务器， 该方法包括以下步骤： 接收到第二参与方在预设还贷期限内代替第一参与方部分还款的通知 后， 根据还款金额划拨银信证对应的部分冻结资金到资金管理账户； 如果接收到第二参与方在预设催款期限内代替第一参与方还清剩余还 款的通知， 划拨银信证对应的剩余冻结资金到资金管理账户； 如果超过预设的催款期限后未收到剩余还款， 划拨银信证对应的剩余 冻结资金到资金管理账户， 并将第一参与方违约的记录同步到资金管 理征信系统；
其中， 所述银信证是由第二参与方以其账户资金或授信额度作为保证 金而向所述资金管理服务器申请并由所述资金管理服务器幵立的电子 承诺支付凭证。
根据权利要求 1所述的还贷处理方法， 其中,该方法还包括： 在预设的催款期限内， 向所述第一参与方催还剩余贷款。
根据权利要求 1所述的还贷处理方法， 其中， 该方法还包括： 按预设的规则在所述第二参与方账户和所述资金管理账户分配贷款利 息、 以及催款期限内滞纳金。
根据权利要求 1所述的还贷处理方法， 其中， 该方法还包括： 如果接收到第二参与方代替第一参与方部分还款或还清剩余还款的通 知， 提高所述第二参与方的信用级别；
如果超过预设的催款期限后未收到剩余还款， 降低所述第一参与方的 信用级别。
根据权利要求 1-4任意一项权利要求所述的还贷处理方法， 其中， 所 述资金管理服务器包括银行服务器或者其他金融机构服务器， 相应地 ， 所述资金管理账户包括银行贷款账户或者其他金融机构贷款账户。 一种还贷处理系统， 应用于资金管理服务器， 该系统包括以下模块： 第一还款处理模块， 设置为接收到第二参与方在预设还贷期限内代替 第一参与方部分还款的通知后， 根据还款金额划拨银信证对应的部分 冻结资金到资金管理账户；
第二还款处理模块， 设置为如果接收到第二参与方在预设催款期限内 代替第一参与方还清剩余还款的通知， 划拨银信证对应的剩余冻结资 金到资金管理账户；
违约处理模块， 设置为如果超过预设的催款期限后未收到剩余还款， 划拨银信证对应的剩余冻结资金到资金管理账户， 并将第一参与方违 约的记录同步到资金管理征信系统；
其中， 所述银信证是由第二参与方以其账户资金或授信额度作为保证 金而向所述资金管理服务器申请并由所述资金管理服务器幵立的电子 承诺支付凭证。
根据权利要求 6所述的还贷处理系统， 其中， 该系统还包括： 催款模块， 设置为在预设的催款期限内， 向所述第一参与方催还剩余 贷款。
根据权利要求 6所述的还贷处理系统， 其中， 所述第二还款处理模块 还设置为：
按预设的规则在所述第二参与方账户和所述资金管理账户分配贷款利 息、 以及催款期限内滞纳金。
根据权利要求 6所述的还贷处理系统， 其中， 该系统还包括信用管理 模块， 设置为：
如果接收到第二参与方在预设的催款期限内代替第一参与方部分还款 或者还清剩余还款的通知， 提高所述第二参与方的信用级别； 和 /或如果超过预设的催款期限后未收到剩余还款， 降低所述第一参 与方的信用级别。
根据权利要求 6-9任意一项权利要求所述的还贷处理系统， 其中， 所 述资金管理服务器包括银行服务器或者其他金融机构服务器， 相应地 ， 所述资金管理账户包括银行贷款账户或者其他金融机构贷款账户。
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