WO2016191982A1 - 还贷处理方法和系统 - Google Patents
还贷处理方法和系统 Download PDFInfo
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- WO2016191982A1 WO2016191982A1 PCT/CN2015/080402 CN2015080402W WO2016191982A1 WO 2016191982 A1 WO2016191982 A1 WO 2016191982A1 CN 2015080402 W CN2015080402 W CN 2015080402W WO 2016191982 A1 WO2016191982 A1 WO 2016191982A1
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- repayment
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- fund management
- preset
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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 for use in a fund management server, the method comprising the steps of:
- 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.
- a repayment processing system for use in a money management server, the system comprising the following modules:
- the consulting module is configured to ask the first participant whether they are willing to repay the instalment after the remaining repayment period has not been received;
- a repayment processing module configured to initiate an installment repayment process if the feedback of the first participant is willing to repay the installment
- the default processing module is configured to: if the feedback of the first participant is unwilling to repay the instalment, if the remaining repayment is not received after the preset dunning period is exceeded, the frozen funds corresponding to the silver letter certificate are allocated to the funds.
- 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 loan repayment processing method and system provided by the present invention introduces a loan guarantee transaction by introducing a bank credit guarantee, and increases the installment repayment method in the middle of the same period, and allows the first participation in the case that the first participant is unable to fully repay the loan.
- the repayment of the installment period can alleviate the short-term financial pressure of the first party and improve the possibility of successful repayment, thereby reducing the risk of loan funds.
- the frozen funds corresponding to the bank letter are allocated to the fund management account, and the second party is responsible for the loss of the loan, thereby ensuring the interests of the fund management institution 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.
- FIG. 3 is a block diagram of a repayment processing system according to an embodiment of the present invention.
- FIG. 4 is a block diagram of another repayment processing system according to an embodiment of the present invention.
- the first party is a 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 current interest of the second party according to the balance of 100,000 yuan, and calculate the interest on the current period of the bank during the freezing of the letter.
- a repayment processing method provided by an embodiment of the present invention is applied to a fund management server.
- the method includes the following steps:
- the consultation result can be automatically consulted and collected through the fund server.
- the inquiry is made by any one or several of the following combinations: dialing the telephone number or mobile phone preset by the first participant, sending an email notification to the email address preset by the first participant, and registering with the first participant.
- the software program client pushes the information, 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 micro signal preset by the first participant.
- Asking the first participant whether they are willing to repay the installment can be done manually, and enter the result of the inquiry into the fund management server.
- step S102 If the feedback of the first participant is willing to repay instalments, step S103 is performed, otherwise step S104 is performed.
- the installment repayment process may adopt an existing repayment process, and after the instalment repayment process is started, the repayment process ends, but the replenishment fee of the installment is required to be increased.
- the bank letter will remain frozen during the dunning period, and the first party is consulted whether to repay the instalment. If the first participant is willing to pay in installments, enter the installment repayment process and end the process. If the first party is not willing to pay in installments and fails to pay off the loan (ie, default), the remaining frozen funds of the bank letter will be transferred to the bank loan account to protect the bank’s interests, and the second party will be unable to recover the loan. loss.
- the loan repayment processing method provided by the embodiment of the present invention performs a loan transaction by introducing a silver credit guarantee, and increases the installment repayment method in the middle, and allows the first participation in the case that the first participant is unable to fully repay the loan.
- the repayment of the instalment can alleviate the short-term financial pressure of the first party and improve the possibility of successful repayment. , thereby reducing the risk of loan funds.
- the frozen funds corresponding to the bank letter are allocated to the fund management account, and the second party is responsible for the loss of the loan, thereby ensuring the interests of the fund management institution and making the loan transaction safer.
- 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:
- the bank server unfreezes the partial frozen funds corresponding to the bank letter. At the same time, part of the thawed funds and corresponding current interest are automatically made available in the second participant's account, while the remaining funds of the unfrozen silver letter remain frozen.
- the first participant is asked whether the willingness to repay the payment can be manually performed, and the inquiry result is entered into the bank server, and the bank server can also perform automatic consultation and collect the consultation result.
- step S204 If the feedback of the first participant is willing to repay instalments, step S204 is performed, otherwise step S205 is performed.
- S205 Reimbursing the loan to the first participant within a preset dunning period.
- the bank may manually urge the first party to repay the loan, or may repay the remaining loan through the bank server in an all-round manner, for example, by using one or a combination of the following methods: The phone number or mobile phone preset by the participant, sending an email notification to the email address preset by the first participant, pushing the information to the software program client registered with the first participant, and sending the mobile number to the first participant's preset mobile number The short message notification, sending a QQ message to the QQ number preset by the first participant, or sending a message to the micro signal code preset by the first participant.
- part of the repayment amount received includes all loan interest and part of the loan principal.
- the repayment principal ie thawed funds. Therefore, in some repayments, the loan interest is first obtained, and the subsequent calculation of the remaining repayment delay is also beneficial to the fund management institution.
- step S208 If the remaining repayment of the first participant is received, step S208 is performed, otherwise step S210 is performed.
- the bank server unfreezes the frozen funds corresponding to the silver credit, and the thawed all funds and the corresponding current interest automatically become available in the second participant account.
- the interest on the current period during the freezing of the funds is automatically calculated in the second participant's account and becomes available in the frozen funds of the defrosted silver letter.
- the interest on the loan is transferred to the fund management account by the same party who repaid the first party.
- the second party and the fund management agency can also separately agree on the distribution of loan benefits and redistribute according to the agreed method.
- a late payment fee for the deferred funds may be charged to further increase the default cost of the first party.
- S211 Synchronize the default record of the first participant to the bank credit information system, and reduce the credit level of the first participant.
- the first participant by synchronizing the default record of the first participant to the bank credit information system, the first participant can be credited with the credit blacklist, so that the first party can not use the credit line. , thereby further increasing the default cost of the first party.
- a repayment processing system provided by an embodiment of the present invention is applied to a fund management server.
- the system includes a consulting module 10, a repayment processing module 20, and a default processing module 30.
- the consulting module 10 is configured to, after receiving the remaining repayment after exceeding the preset repayment term, query the first participant Ask if you are willing to pay in installments.
- the consultation result can be automatically consulted and collected through the fund server.
- the inquiry is made by any one or several of the following combinations: dialing the telephone number or mobile phone preset by the first participant, sending an email notification to the email address preset by the first participant, and registering with the first participant.
- the software program client pushes the information, 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 micro signal preset by the first participant.
- Asking the first participant whether they are willing to repay the installment can be done manually, and enter the result of the inquiry into the fund management server.
- the repayment processing module 20 is configured to initiate an installment repayment process if the feedback of the first participant is willing to pay instalments.
- the installment repayment process may adopt an existing repayment process, and after the instalment repayment process is started, the repayment process ends, but the replenishment fee of the installment is required to be increased.
- the default processing module 30 is configured to: if the feedback of the first participant is unwilling to repay the instalment, if the remaining repayment is not received after the preset dunning period is exceeded, the frozen funds corresponding to the silver credit card are allocated to The fund management account synchronizes the default record of the first party to the fund management credit system, wherein the bank letter is established by the second party with the account fund or the credit line as the deposit.
- the repayment processing module 20 is further configured to: receive the first participant in the preset After partial repayment of the repayment period, the part of the frozen funds corresponding to the banknote will be released according to the repayment amount.
- the bank letter in order to ensure that the first party partially repays during the dunning period, can still be thawed.
- the repayment processing module is further configured to: 20: after receiving the partial repayment of the first participant within the preset dunning period, unfreeze the frozen funds corresponding to the silver credit according to the repayment amount, and according to the preset rule 2.
- the participant's account and the fund management account allocate the loan interest and the late payment fee during the dunning period.
- the current interest during the freezing of the funds is automatically calculated in the second participant account and becomes available in the frozen funds of the defrosted silver letter.
- the interest on the loan is transferred to the fund management account by the same party who repaid the first party.
- the second party and the fund management agency can also separately agree on the distribution of loan benefits and redistribute according to the agreed method.
- the late payment fee for the deferred funds can also be charged to further increase the default cost of the first party.
- the default processing module 30 is further configured to: if the remaining payment is not received within the preset dunning period, the first party is lowered. Credit rating.
- the system further includes a dunning module 40 configured to reimburse the first party for a loan within a predetermined reminder period.
- the dunning module 40 may be specifically configured to perform dunning by any one or several of the following combinations: dialing a telephone number or a mobile phone preset by the first participant, preset to the first participant The e-mail sends an e-mail notification, pushes the information to the software program client registered with the first participant, sends a short message notification to the mobile number preset by the first participant, sends a QQ message to the QQ number preset by the first participant, or 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 present invention provides a smart financial lending transaction system, introduces a bank credit guarantee to conduct a loan transaction, can increase the default cost of the first party, and increases the flexible manner of the first party's installment repayment in the middle. It can alleviate the short-term financial pressure of the first party and improve the possibility of successful loan repayment, thereby reducing the risk of loan funds.
- 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 loan, thereby ensuring the interests of the fund management institution and making the loan transaction safer.
- the default cost of the first party is further increased, and the possibility of successful repayment is improved. Therefore, it has industrial applicability.
Abstract
提供一种还贷处理方法和系统。该方法包括：当超过预设还贷期限未收到剩余还款后，向第一参与方询问是否愿意分期还款；如果第一参与方的反馈是愿意分期还款，则启动分期还款流程；否则，若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。本发明通过引入银信证担保借贷交易，同时增加分期还贷的灵活方式，能增加第一参与方的违约成本和缓解第一参与方的短期资金压力，从而提高还贷成功的可能性，降低贷款资金的风险。
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] 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] 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：
[0006] 当超过预设还贷期限未收到剩余还款后， 向第一参与方询问是否愿意分期还款
[0007] 如果第一参与方的反馈是愿意分期还款， 则启动分期还款流程；
[0008] 如果第一参与方的反馈是不愿意分期还款， 则若超过预设的催款期限后未收到 剩余还款， 划拨银信证对应的冻结资金到资金管理账户， 将第一参与方的违约 记录同步到资金管理征信系统；
[0009] 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。
[0010] 根据本发明的另一个方面， 提供 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：
[0011] 咨询模块， 设置为当超过预设还贷期限未收到剩余还款后， 向第一参与方询问 是否愿意分期还款；
[0012] 还款处理模块， 设置为如果第一参与方的反馈是愿意分期还款， 则启动分期还 款流程；
[0013] 违约处理模块， 设置为如果第一参与方的反馈是不愿意分期还款， 则若超过预 设的催款期限后未收到剩余还款， 划拨银信证对应的冻结资金到资金管理账户
， 将第一参与方的违约记录同步到资金管理征信系统；
[0014] 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
[0015] 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， 同吋 中途增加分期还贷方式， 在第一参与方无力全部偿还贷款的情况下， 允许第一 参与方分期还款， 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。 而在第一参与方违约的情况， 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， 从而保证资金 管理机构的利益， 使得借贷交易更安全。
对附图的简要说明
附图说明
[0016] 图 1为本发明实施例提供的一种还贷处理方法的流程图。
[0017] 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。
[0018] 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。
[0019] 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。
实施该发明的最佳实施例
本发明的最佳实施方式
[0020] 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。
[0021] 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。
本发明的实施方式
[0022] 实施例一
[0023] 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：
[0024] S101、 当超过预设还贷期限未收到剩余还款后， 向第一参与方询问是否愿意分 期还款。
[0025] 具体地， 可以通过资金服务器进行自动征询和收集咨询结果。 比如， 通过以下 任意一种或几种组合进行询问： 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。 向第一 参与方询问是否愿意分期还款可以人工进行， 将询问结果录入资金管理服务器
[0026] S102、 如果第一参与方的反馈是愿意分期还款， 则执行步骤 S103， 否则执行步 骤 S104。
[0027] S103、 启动分期还款流程， 结束本次流程。
[0028] 具体地， 分期还款流程可以采用现有的还款流程， 启动分期还款流程后， 本次 还贷流程结束， 但需要增加分期还款的手续费。
[0029] S104、 若超过预设的催款期限后未收到剩余还款， 划拨银信证对应的冻结资金 到资金管理账户。
[0030] 具体地， 如果第一参与方未如约还款， 则银信证会在催款期限内保持冻结状态 ， 并向第一参与方咨询是否分期还款。 如果第一参与方愿意分期付款， 进入分 期还款流程， 结束本次流程。 如果第一参与方不愿意分期付款且未如约还清贷 款 （即违约） ， 则将银信证的剩余冻结资金划拨到银行贷款账户保障银行的利 益， 由第二参与方承担追不回贷款的损失。
[0031] 本发明实施例提供的还贷处理方法， 通过引入银信证担保进行借贷交易， 同吋 中途增加分期还贷方式， 在第一参与方无力全部偿还贷款的情况下， 允许第一 参与方分期还款， 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。 而在第一参与方违约的情况， 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， 从而保证资金 管理机构的利益， 使得借贷交易更安全。
[0032] 实施例二
[0033] 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：
[0034] S201、 收到第一参与方在预设还贷期限内的部分还款后， 根据还款金额解冻银 信证对应的部分冻结资金。
[0035] 具体地， 第一参与方在约定贷款期限内部分还款后， 银行服务器解冻银信证对 应的部分冻结资金。 与此同吋， 解冻的部分资金和相应的活期利息在第二参与 方账户自动变为可利用状态,而未解冻的银信证剩余资金仍然保持冻结状态。
[0036] S202、 当超过预设还贷期限未收到剩余还款后， 向第一参与方询问是否愿意分 期还款。
[0037] 具体地， 向第一参与方询问是否愿意分期还款可以人工进行， 将询问结果录入 银行服务器， 也可以通过银行服务器进行自动征询和收集咨询结果。
[0038] S203、 如果第一参与方的反馈是愿意分期还款， 则执行步骤 S204， 否则执行步 骤 S205。
[0039] S204、 启动分期还款流程， 转至步骤 S211。
[0040] S205、 在预设的催款期限内， 向第一参与方催还贷款。
[0041] 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。
[0042] S206、 如果收到第一参与方的部分还款， 解冻银信证对应的部分冻结资金。
[0043] 为了最大化资金管理机构的利益， 所收到的部分还款金额包括全部贷款利息和 部分贷款本金。 也就是说， 从还款资金中先减掉贷款资金的全部贷款利息后才
是还款本金 （即解冻资金） 。 从而在部分还款中先拿到贷款利息， 后继在计算 剩余还款延期滞纳金吋对资金管理机构也有利。
[0044] S207、 如果收到第一参与方的剩余还款， 则执行步骤 S208 , 否则执行步骤 S210
[0045] S208、 解冻银信证对应的剩余冻结资金。
[0046] 具体地， 银行服务器解冻银信证对应的冻结资金， 解冻的全部资金和相应的活 期利息在第二参与方账户自动变为可利用状态。
[0047] S209、 按预设的规则在第二参与方账户和银行账户分配贷款利息以及催款期限 内的滞纳金， 转至步骤 S212。
[0048] 具体地， 由于银信证的特点， 资金冻结期间的活期利息在解冻银信证的冻结资 金吋自动计算在第二参与方帐户内并变为可用状态的。 而贷款利息则由第一参 与方还款的同吋转账到资金管理账户的。 当然， 第二参与方和资金管理机构也 完全可以另行约定贷款利益分配方式， 按照约定的方式进行再分配。 当延期还 款吋， 还可以收取延期资金的滞纳金， 以进一步提高第一参与方的违约成本。
[0049] S210、 划拨银信证对应的冻结资金到银行账户。
[0050] S211、 将第一参与方的违约记录同步到银行征信系统， 降低第一参与方的信用 级别。
[0051] 具体地， 本步骤通过将第一参与方的违约记录同步到银行征信系统， 可以给第 一参与方记上信用污点拉入信用黑名单， 使第一参与方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。
[0052] S212、 结束流程。
[0053] 本发明实施例中， 在上述实施例一的基础上， 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。
[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
， 该系统包括咨询模块 10、 还款处理模块 20和违约处理模块 30。
[0056] 咨询模块 10， 设置为当超过预设还贷期限未收到剩余还款后， 向第一参与方询
问是否愿意分期还款。
[0057] 具体地， 可以通过资金服务器进行自动征询和收集咨询结果。 比如， 通过以下 任意一种或几种组合进行询问： 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。 向第一 参与方询问是否愿意分期还款可以人工进行， 将询问结果录入资金管理服务器
[0058] 还款处理模块 20， 设置为如果第一参与方的反馈是愿意分期还款， 则启动分期 还款流程。
[0059] 具体地， 分期还款流程可以采用现有的还款流程， 启动分期还款流程后， 本次 还贷流程结束， 但需要增加分期还款的手续费。
[0060] 违约处理模块 30， 设置为如果第一参与方的反馈是不愿意分期还款， 则若超过 预设的催款期限后未收到剩余还款， 划拨银信证对应的冻结资金到资金管理账 户， 将第一参与方的违约记录同步到资金管理征信系统， 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幵立的。
[0061] 作为一种优选实施例， 为了确保第一参与方在还贷期限内部分还款后， 银信证 能够解冻， 还款处理模块 20还设置为： 收到第一参与方在预设的还款期限内的 部分还款后， 根据还款金额解冻银信证对应的部分冻结资金。
[0062] 作为另一种优选实施例， 为了确保第一参与方在催款期限内部分还款后， 银信 证依然能解冻。 还款处理模块还设置 20为： 收到第一参与方在预设的催款期限 内的部分还款后， 根据还款金额解冻银信证对应的冻结资金， 并按预设的规则 在第二参与方账户和资金管理账户分配贷款利息和催款期限内的滞纳金。
[0063] 具体地， 由于银信证的特点， 资金冻结期间的活期利息在解冻银信证的冻结资 金吋自动计算在第二参与方帐户内并变为可用状态的。 而贷款利息则由第一参 与方还款的同吋转账到资金管理账户的。 当然， 第二参与方和资金管理机构也 完全可以另行约定贷款利益分配方式， 按照约定的方式进行再分配。 当延期还 款吋， 还可以收取延期资金的滞纳金， 以进一步提高第一参与方的违约成本。
[0064] 作为再一种优选实施例， 为了进一步提高第一参与方的违约成本， 违约处理模 块 30还设置为： 如果超过预设的催款期限未收到剩余还款， 降低第一参与方的 信用级别。
[0065] 如图 4所示， 在某些实施例中， 该系统还包括催款模块 40， 设置为在预设的催 款期限内， 向第一参与方催还贷款。
[0066] 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。
[0067] 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。
[0068] 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。
[0069] 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
[0070] 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， 能增加第一参与方的违约成本， 同吋中途增加第一参与方的分期还款的灵活方 式， 能减轻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。 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， 从而保证资金管理机构的利 益， 使得贷款交易更安全。 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从而进一步提高第一参与方的违约成本， 提高还贷 成功的可能性。 因此， 具有工业实用性。
Claims
[权利要求 1] 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： 当超过预设还贷期限未收到剩余还款后， 向第一参与方询问是否愿意 分期还款；
如果第一参与方的反馈是愿意分期还款， 则启动分期还款流程； 如果第一参与方的反馈是不愿意分期还款， 则若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 ， 将所述将第一参与方的违约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。 。
[权利要求 2] 根据权利要求 1所述的还贷处理方法， 其中， 该方法之前还包括： 如果在预设还贷期限内收到第一参与方的部分还款， 根据还款金额解 冻银信证对应的部分冻结资金。 。
[权利要求 3] 根据权利要求 1所述的还贷处理方法， 其中， 该方法还包括：
如果在预设的催款期限内收到第一参与方的部分还款， 根据还款金额 解冻银信证对应的部分冻结资金。 。
[权利要求 4] 根据权利要求 1所述的还贷处理方法， 其中， 该方法还包括：
如果在预设的催款期限内收到剩余还款， 解冻银信证对应的冻结资金
， 并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和 滞纳金。 。
[权利要求 5] 根据权利要求 1所述的还贷处理方法， 其中， 所述启动分期还款流程 之后还包括： 增加分期还款的手续费。
[权利要求 6] 根据权利要求 1-5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。
[权利要求 7] —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： 咨询模块， 设置为当超过预设还贷期限未收到剩余还款后， 向第一参
与方询问是否愿意分期还款；
还款处理模块， 设置为如果第一参与方的反馈是愿意分期还款， 则启 动分期还款流程；
违约处理模块， 设置为如果第一参与方的反馈是不愿意分期还款， 则 若超过预设的催款期限后未收到剩余还款， 划拨银信证对应的冻结资 金到资金管理账户， 将所述将第一参与方的违约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。 。
[权利要求 8] 根据权利要求 6所述的还贷处理系统， 其中， 还款处理模块还设置为 如果在预设还贷期限内收到第一参与方的部分还款， 根据还款金额解 冻银信证对应的部分冻结资金。 。
[权利要求 9] 根据权利要求 6所述的还贷处理系统， 其中， 还款处理模块还设置为 如果在预设的催款期限内收到第一参与方的部分还款， 根据还款金额 解冻银信证对应的部分冻结资金。 。
[权利要求 10] 根据权利要求 6所述的还贷处理系统， 其中， 还款处理模块还设置为 如果在预设的催款期限内收到剩余还款， 解冻银信证对应的冻结资金 ， 并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和 滞纳金。
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| CN104899781A (zh) * | 2015-05-29 | 2015-09-09 | 深圳市银信网银科技有限公司 | 还贷处理方法和系统 |
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| CN109559215A (zh) * | 2018-10-16 | 2019-04-02 | 深圳壹账通智能科技有限公司 | 业务数据核算方法、装置、设备及计算机可读存储介质 |
| WO2020143378A1 (zh) * | 2019-01-08 | 2020-07-16 | 阿里巴巴集团控股有限公司 | 基于智能合约的收款方法、系统及可读存储介质 |
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