WO2019100581A1

WO2019100581A1 - Borrowing and lending matching system and method for implementing risk control based on network platform friendship circle credit

Info

Publication number: WO2019100581A1
Application number: PCT/CN2018/074040
Authority: WO
Inventors: 朱红兵; 杜昀烁; 刘听
Original assignee: 丰德金融平台有限公司
Priority date: 2017-11-24
Filing date: 2018-01-24
Publication date: 2019-05-31
Also published as: TW201926208A; CN107871281A; TWI652642B

Abstract

The present invention relates to a borrowing and lending matching system and method for implementing risk control based on network platform friendship circle credit. A borrowing and lending matching system for implementing risk control based on network platform friendship circle credit, comprising: a user registration module, a user audit risk control module, a loan issuing module, a borrowing and lending matching module, and a dynamic credit module. The beneficial effects are: before borrowing and lending occurs, friends are one of the groups that best understand the individual credit situation of a borrowing user and, by means of a multi-dimensional friendship circle method, the matching system can implement a rapid, reliable, low cost risk assessment; when a default occurs, by means of a network of associated users and guarantor information, the friendship circle maintained using the network platform will exert social pressure so that the borrowing user completes repayment; the losses of an investor can be decreased and the cost of recovery reduced; the creditworthiness of borrowing users can be monitored dynamically, accurately, and in real time by means of changes to the credit of the friendship circle credit; and dynamic credit big data (a dynamic credit system) can be formed.

Description

Lending and matching system and method for realizing risk control based on network platform friend circle credit

Technical field

The invention relates to the field of borrowing and lending, in particular to a lending and matching system and method based on network platform friend credit to realize risk control, which can solve the problem of bad debt rate of a loan company.

Background technique

As we all know, there are capital risks in the process of capital lending, where capital risks include credit risk, operational risk and market risk. Credit risk refers to the possibility and severity of loan customers' failure to repay their debts on time according to the contract, and is also the most important capital risk. Accurately revealing and quantifying the credit risk of loans is crucial to reducing the loss of funds and improving the operating performance of lending companies. Quantitative control of the credit risk of lending companies is the pursuit of lending companies.

The traditional loan application is difficult. The borrower needs to submit a large amount of paper proof materials to the lending institution, and can only go to the business outlets on the working day. The time for waiting for approval after the application is also long. Even if the application is made, the lending institution cannot be timely. Loaning to the user, the slow loan speed brings a lot of inconvenience to the user and misses many business opportunities. Sometimes lenders need users to meet some additional conditions to lend money to users, such as depositing a certain amount of money in a bank or purchasing some wealth management products, so that users who are already in a tight position are caught in a difficult situation. After paying off the loan, you need to resubmit the application and borrow again.

In summary, in today's mainstream financial system, financial institutions ignore the financial needs of SMEs and microfinance groups in the market positioning. In view of the credit risk of borrowing users, the set conditions are harsh, the procedures are complicated, and the approval time is long; When acquaintances borrow money, in addition to face problems, acquaintances may not have matching funds, and there are certain risks. From another perspective, many people are idle, have no investment channels, and they are in urgent need of means of maintaining value.

With the change of people's consumption concept, the demand for loan business is also growing. However, the traditional unsecured loan business has the following shortcomings: 1. The review materials for traditional loans are to look at financial reports or audit reports, look at statements, and look at directors. Or the legal status of the legal person, the taxation situation, etc., for manual review, but the manual audit can not be monitored in real time, there is time lag, the audit information is static, the audit cost is high, the accuracy is poor; 2. The lender and the lender Unfamiliar with each other, the lender can't understand the real credit situation of the borrower. If the borrower's credit has problems, it will easily lead to bad debts and dead debts. 3. When the borrower defaults, the recovery is difficult.

At present, many lenders use traditional risk control models for research. According to incomplete statistics, the bad debt rate of Singapore microfinance companies can reach 5%-7%. The high bad debt rate is due to the lack of credit to borrowers. And the lack of understanding is caused. Therefore, it is a motivation for the invention to provide a loan lending system and method for realizing risk control, which is fast, reliable, real-time, low in risk assessment, and low in cost.

Summary of the invention

The object of the present invention is to overcome the deficiencies of the prior art, and provide a loan lending system and method for realizing risk control based on network platform friend circle credit, which is fast, reliable, real-time, low risk assessment cost and low recovery cost; This platform can not only meet the personal capital needs, develop personal credit system, but also improve the utilization rate of social idle funds.

The invention provides a loan and loan matching system based on the network platform friend circle credit to realize the wind control, and the technical solution thereof is:

A lending and matching system based on network platform friend credit to realize risk control, including:

User registration module, the user registers on the network platform with the friend circle function;

The user audits the risk control module, and the network platform verifies and verifies the user information already registered in the user registration module by using the background audit mode, and forms a risk control evaluation report about the user asset in an electronic document manner; A predetermined number of users of the circle of friends can be used as a borrowing user to issue a loan application through the loan issuing module, and can also be invested as an investment user through the network platform; users who have not received a predetermined number of friends in the registration review can only Investing through the network platform;

The loan issuance module, the borrowing user who has already credited the circle of users, issued a multi-person through the loan issuing module within a certain percentage of the total credit line obtained or exceeding the total credit line obtained. Joint application for small loans of limited guarantee nature;

a loan matching module, for a loan application issued by the loan issuing module, a registered user in the user registration module, through the network platform, in a crowdfunding manner according to an agreed revenue distribution manner; and

The dynamic credit module, the network platform adjusts periodically or dynamically according to the change of the credit amount of the friend circle of the user and makes the disclosure within the circle of friends.

Preferably, the network platform gives the user the highest credit line at a predetermined rate based on the risk control evaluation report formed in the user reviewing the risk control module.

Preferably, the borrowing user can only obtain credits below a certain amount from each other user within the range of his circle of friends.

Preferably, when the borrowing user overdue the repayment, the network platform sends the credit guarantor the overdue repayment information of the borrowing user, and uses social pressure to urge the borrowing user to repay the loan; if the borrowing user still does not repay the payment, the credit guarantor is guaranteed according to the credit guarantee. The amount is subject to a limited liability.

Preferably, the network platform is an App platform or a Web platform; the friend circle user includes any one or any of a personal registered user, a registered enterprise user, or a social group user who can assume responsibility.

Preferably, the matching system further includes a credit guarantee module, and the credit guarantee module includes a mutual credit module between the friends of the network platform.

Preferably, the borrowing user needs multiple credits from the circle of friends, and the borrowing amount of the borrowing user is proportional to the number of credits of the circle of friends.

Preferably, the borrowing user needs more than three circle of friends to authorize.

Preferably, the user audits the risk control module to review the authenticity of the registered user identity, the social circle, the family situation, the personal/enterprise credit and the assets.

The invention also provides a lending and issuance management method based on the network platform friend circle credit to realize the risk control, comprising the following steps:

1) The user registers on the network platform with the friend circle function, and obtains a certain amount of credit given by a predetermined number of friends in the network platform, and becomes a borrowable user; the network platform audits the registered user in the background audit mode. And electronically form a risk control assessment report on user assets;

2) The borrowing user issues a loan application through the network platform, and the loan amount does not exceed the credit line obtained or only exceeds a certain percentage of the credit line obtained;

3) The network platform issues a loan application in the loan issuing module, and the registered user in the user registration module uses the network platform to conduct investment according to the agreed revenue distribution manner in a crowdfunding manner;

4) The fundraising completion module issues the crowdfunding payment to the borrowing user. If the borrowing user overdue the contractual repayment, the network platform sends the creditor's overdue repayment information to the credit guarantor, and uses social pressure to urge the borrowing user to repay the loan; if the borrowing user If the payment is not repaid, the credit guarantor will assume a limited liability according to the amount of the credit guarantee.

Implementations of the invention include the following technical effects:

The invention provides a loan and loan matching system based on network platform friend credit to realize risk control, and can realize fast, reliable, real-time and low-cost risk assessment before the loan occurs; in the event of default, the friend knows the personal credit situation of the borrowing user. One of the groups, the matching system through the multi-dimensional and multi-level way of the circle of friends, the network of related users and guarantor information, and then use the network of friends to maintain social pressure to form a social pressure, to promote borrowers to complete repayment; to reduce investors Loss, reduce the cost of recovery; dynamically and accurately monitor the credit level of borrowing users through the change of credit line of friends; finally, it can form big data of dynamic credit (dynamic credit system).

Existing credit investigation methods for manually reviewing the financial situation of borrowing users, manually researching the background of borrowing users, and some public websites to retrieve their personal credit information cannot achieve effective real-time risk control and cannot be like those familiar with borrowing users ( Relatives, friends, business partners) know the credit situation of borrowing users. The matching system of the invention analyzes the data of the system, saves the manual step time, can link with the credit information system, greatly improves the accuracy of the basic information, and utilizes the advantages of the Internet to form a friend circle credit, convenient operation, dynamic Wind control, forming social pressure.

DRAWINGS

FIG. 1 is a schematic diagram of a borrowing and loan matching system module for realizing risk control based on a network platform friend circle credit according to an embodiment of the present invention.

FIG. 2 is a schematic diagram of the operation of a small loan lending system using an APP as an example according to an embodiment of the present invention.

FIG. 3 is a schematic diagram of a credit guarantee of a registered user according to an embodiment of the present invention.

FIG. 4 is a schematic diagram of investment of a registered user according to an embodiment of the present invention.

Detailed ways

The invention will be described in detail below with reference to the embodiments and the accompanying drawings, which are to be understood that the described embodiments are only intended to facilitate the understanding of the invention.

In this embodiment, a lending and matching system based on a network platform friend circle to realize risk control is particularly suitable for the field of small loan lending, and the circle of friends refers to a group of registered users on the network platform and become friends with each other. Referring to FIG. 1 , the matching system includes: a user registration module, a user auditing wind control module, a dynamic credit module, a loan issuing module, a loan matching module, and a fundraising completion module, and the user registers on a network platform having a friend circle function. A user who has been registered and has a predetermined number of credits from a circle of friends can use the loan release module to issue a loan application as a borrowing user (ie, a VIP user), and can also invest as an investment user through a network platform; The users of the credit circle can only invest through the network platform; it should be noted that the loan amount of the borrower is preferably proportional to the number of credits of the circle of friends, that is, the more the borrower borrows, the more The more the number of guarantees, the more people the credits of the circle of friends, the greater the social pressure of the borrowers, and the lower the proportion of non-repayments. The invention is based on risk assessment, and the low-value loans are preferably more than three friends. , medium and high loan is preferred to more than five friends It is to be understood by those skilled in the art that, without departing from the scope of the present invention, it is still within the scope of the present invention. In the user auditing risk control module, the network platform verifies and verifies the user information already registered in the user registration module in a background audit mode, and forms a risk control evaluation report about the user asset in an electronic document manner; Users who have obtained sufficient credits within the scope (the number of creditors are set by the network platform) shall be issued by the loan issuing module with a multi-person joint limited guarantee property within a certain percentage of the credit line obtained or beyond the credit line obtained. Small loan application; a certain percentage of the credit line obtained can be set according to the credit status of the borrower's friend circle, the property situation, the property of the borrowing user's circle of friends, and the history of borrowing repayment, such as various conditions. A good person can exceed 50% of the credit line obtained; in the loan matching module, for the loan application issued by the loan issuing module, the registered user in the user registration module is in accordance with the crowdfunding method through the network platform. The method of income distribution to make a loan combination, in this embodiment, According to the agreed income distribution method, the borrowing user can pay 24% interest, the platform will charge 9%, the investor will be 10% annualized, and other interest income will be used as interest insurance and creditor interest. The income distribution method can also be based on the situation. The network platform is set or multi-party agreement; in the dynamic credit module, the network platform adjusts periodically or dynamically according to the change of the credit amount of the user's circle of friends; the fundraising completion module is used to automatically generate the loan and Guarantee the contract and issue the loan. When the borrowing user overdue the repayment, the network platform sends the credit guarantee guarantor the overdue repayment information of the borrowing user, and the credit guarantor bears the limited liability according to the amount of the credit guarantee. The network platform can be an App platform or a Web platform. The matching system defined in this embodiment overcomes the time lag caused by manual review, possible unreality and high cost problem; reduces the recovery cost, and informs the relevant collector in the first time when the default occurs. The claimant is an acquaintance of the borrowing user. The acquaintance is one of the groups who know the personal credit situation of the borrowing user. The matching system uses the multi-dimensional way of the circle of friends, the information of the network-related users and the creditor, and then the maintenance of the network platform. The circle of friends forms social pressure, which encourages borrowers to complete repayment; it can reduce the loss of investors and reduce the cost of recovery; the network platform can dynamically monitor the credit status of borrowing users in real time. When a credit crisis occurs, the creditor can cancel the credit or cancel with one click. Changing the credit line will play a risk warning role for investors; users will accumulate a certain amount and use technology advantages to form credit data. In the preparation stage of social relationship, users have mutual credit and there is no guarantee relationship; when the borrower's fundraising is completed, the credit between friends forms a legal guarantee relationship.

Preferably, based on the risk control evaluation report formed in the user reviewing the risk control module, the network platform gives the user the highest credit line (referring to the amount that can be credited to others in total) at a predetermined ratio. This can limit the situation in which bad users use improper credit to borrow high-value loans, and further reduce the bad debt rate. Borrowing users can only receive credits below a certain amount from each other user within their circle of friends. Specifically, there is no lower limit for the amount of external credit, and it is accumulated by an integral multiple of a certain base number (for example, 100), and the upper credit limit has an upper limit. For example, the upper limit is 10,000 yuan (RMB) per person per time (the network platform can be freely set) .

The matching system also includes a credit guarantee module, and the credit guarantee module includes a mutual credit module between the friends of the network platform. It should be noted that the registration can be granted or credited. The credit guarantee module also includes a friend module, an invitation friend module, and a person recommendation module that may be recognized.

According to the data of the technology pilot, the bad debt rate of the matching system is only 0.1%. In the early stage, there were internal tests on the model of several people's guarantees. After data analysis of more than 1000 borrowing users, we calculated that the loan of about 500,000 yuan requires more than 5 guarantees to effectively reduce bad debts, and use the present invention. The matching system has a lower bad debt rate than similar competitors in the market. Because the more people in the circle of friends, the greater the social pressure.

The loan release module includes a loan amount setting module, a borrowing day setting module, an annualized interest rate setting module, a fundraising time setting module, and when the loan request is issued, and at the same time, the selected loan agreement has been read and agreed. After the loan information is released, the registered users can make an investment. The investment module can automatically select the investment amount or the investment amount, and also check the “Loan Agreement”. The invention has the function of crowdfunding, and the platform publishes the loan information, and the user can invest according to the credit situation of the borrowing user. If sufficient funds are raised, the loan is borrowed to the borrowing user. If not enough, the borrowing user can choose to give up, then the flow label. Through this platform, it can not only meet the personal capital needs, develop the personal credit system, but also improve the utilization rate of idle funds. The personal information interface module on the network platform includes my investment module, my loan module, my guarantee module, my billing module, my data module, management bank card module, smart bidding module and balance information module, my data. The module includes real name/name, ID number/institution code, mobile number, business license, work unit, job title, mailing address, email address and social position.

Preferably, the circle of friends user includes any one or any of a personal registered user, a registered enterprise user, or a social group user who can assume responsibility. The user review risk control module reviews the authenticity of the registered user identity, social circle, family situation, personal/enterprise credit and assets.

By reviewing the personal capacity of the creditor, the credit limit does not exceed his income level, including real estate, salary, dividends, such as 50% of the total assets can be credited externally, if you need to ensure a very low bad debt rate, the proposed loan At least five friends need to be authorized to publish, otherwise they can only be investors. At the time of the guarantee, the guarantor will prompt the system to accept the credit and bear the risk, and at the same time agree to the credit guarantee contract. If the credit is not granted, the loan cannot be borrowed. During the loan period, the creditor can be given an annual interest of 3%, and the interest is distributed proportionally among the multiple creditors. You can borrow at any time after the credit is granted, without telling the creditor.

We will continue to illustrate the solution of the present invention by taking the APP platform as an example. Referring to FIG. 2 to FIG. 4, as shown in FIG. 4, the user Mr. Wang first registered on the APP platform. At the beginning, Mr. Wang has no friend circle credit. Then, Mr. Wang can only invest. If Mr. Wang has not had any borrowing needs, there is no need to ask the creditor. As shown in Figure 2, of course, if Mr. Wang needs to borrow, he must ask the friend to give a certain amount of credit, for example, invite more than 3 friends as creditors, the credit amount can be 10,000 or 50,000, and then submit the loan on the APP platform. The application, the background review module of the matching system will be reviewed for the borrower and the creditor. The content of the review can be social circle, family situation, enterprise/personal credit information and assets. After that, the information will be released on the APP platform, and then the investor will rob. For standard investment, the investment driver pays 24% interest to the borrower, the platform collects 9% annualization, and the rest chooses the following items or ones for distribution: risk guarantee, proportionally distributed to Mr. Wang’s creditor as interest, investor Annualization and referral agency fees. After the fundraising is completed, the APP platform will pay the fundraising to the borrower. After the loan expires, if the borrower fails to pay the payment, the APP platform will notify the credit guarantor to repay the loan, and the rest will take legal action to recover the credit guarantor. It will actively urge borrowers to repay their loans. Due to social pressure, borrowers will also actively repay their loans and reduce the bad debt rate. Regarding the credit guarantee part, see the example shown in Figure 3. Mr. Wang needs to borrow ¥600. The credit guarantee requirement of the online platform is that there must be a friend circle guarantee ≥¥600. After that, Mr. Wang invites friend A, friend B, friend C and Friend D has a credit guarantee of ¥1000 and a friend E credit guarantee of ¥2000. Mr. Wang has a credit guarantee of ¥6000. Several investors invested ¥600 in proportion to Mr. Wang. If Mr. Wang overdue breach of contract, then friend A, friend B, friend C friend D and friend E will assume limited liability according to the proportion, specifically for friend A, friend B, friend C and friend D respectively bear ¥100, friend E bears ¥200.

Therefore, the present invention makes an innovative lending and matching system after deep understanding of the market and the demand, and we use the limited liability friend multi-person guarantee method to effectively reduce the risk of bad debts.

The invention provides the above-mentioned lending and issuance management method based on the network platform friend circle credit to realize the risk control, comprising the following steps:

1) The user registers on the network platform with the friend circle function, and obtains a sufficient number of credits from the predetermined number of friends circle users on the network platform to become borrowable users; the network platform audits the registered users in the background audit mode. And form a risk control assessment report on the user's assets electronically; it should be noted that the loan amount of the borrower is preferably proportional to the number of credits granted by the circle of friends, that is, the more the borrower's loan amount, the number of guarantees required The more people there are because of the number of friends in the circle, the greater the social pressure of the borrower, and the lower the proportion of non-payment of default. The invention is based on risk assessment, and the low-value borrowing is preferably more than three friends of the circle of friends. The loan is preferably credited by more than five circle of friends. After statistical research, more than five friends in the circle of credit users can achieve very low bad debt rates;

2) The borrower user issues a loan application through the network platform, and the loan amount does not exceed the credit line obtained or only exceeds a certain percentage of the credit line obtained;

3) The network platform publishes the loan application in the loan release module, and the registered user in the user registration module invests in the crowdfunding manner according to the agreed revenue distribution mode through the network platform;

The loan issuance management method of the present invention is based on a multi-person friend credit for risk assessment, and a method of promoting arrears repayment by social pressure between friends (via App or Web).

The above-mentioned small loan lending management method has the following technical effects:

1) The unique multi-person friend credit risk assessment platform of this embodiment has formed a certain amount of mutual credit for the network of friends in the platform at the beginning of the loan application;

2) At the beginning of the credit grant, the platform will periodically change the amount of the guarantee circle of the borrower's circle of friends, prompting the investors which borrowing users to increase or decrease the guarantee amount;

3) When the loan is effective, it will automatically guarantee a limited amount of liability for the credit granted by friends;

4) When the default is overdue, APP can send the borrower's information to the guarantor through the App platform through the convenience of the network, and carry out social pressure recovery, improve the recovery efficiency and reduce the recovery cost;

5) Accumulatively reach a certain level, the platform users form a database, dynamically display the individual's credit information, and the accuracy is expected to be higher than the traditional credit information system.

It should be noted that the above embodiments are only intended to illustrate the technical solutions of the present invention, and are not intended to limit the scope of the present invention. Although the present invention is described in detail with reference to the preferred embodiments, those skilled in the art should understand The technical solutions of the present invention may be modified or equivalently substituted without departing from the spirit and scope of the technical solutions of the present invention.

Claims

A loan matching system based on a network platform friend circle credit realization to achieve risk control, characterized in that it comprises:

User registration module, the user registers on the network platform with the friend circle function;

The user audits the risk control module, and the network platform verifies and verifies the user information already registered in the user registration module by using the background audit mode, and forms a risk control evaluation report about the user asset in an electronic document manner; A predetermined number of users of the circle of friends can be used as a borrowing user to issue a loan application through the loan issuing module, and can also be invested as an investment user through the network platform; users who have not received a predetermined number of friends in the registration review can only Investing through the network platform;

The loan issuance module, the borrowing user who has already credited the circle of users, issued a multi-person through the loan issuing module within a certain percentage of the total credit line obtained or exceeding the total credit line obtained. Joint application for small loans of limited guarantee nature;

a loan matching module, for a loan application issued by the loan issuing module, a registered user in the user registration module, through the network platform, in a crowdfunding manner according to an agreed revenue distribution manner; and

The dynamic credit module is configured to periodically or dynamically adjust and publicize within the circle of friends according to the change of the credit amount of the friend circle of the user.
The lending and matching system for realizing risk control based on the network platform friend circle credit authorization according to claim 1, wherein the network platform is given a predetermined ratio according to the risk control evaluation report formed in the user reviewing the risk control module. The user has the highest credit limit.
The borrowing and loan matching system for realizing risk control based on the network platform friend circle credit authorization according to claim 1, wherein the borrowing user can obtain less than a specific amount for each other user within the range of the circle of friends of the user. Credit.
The borrowing and loan matching system for realizing risk control based on the network platform friend circle credit authorization according to claim 1, wherein when the borrowing user overdue default repayment, the network platform sends the borrowing user overdue repayment information to the credit guarantee guarantor, and uses social pressure. The borrower is urged to repay the loan; if the borrower still does not repay the loan, the credit guarantor assumes a limited liability according to the amount of the credit guarantee.
The borrowing and loan matching system for realizing risk control based on the network platform friend circle credit authorization according to claim 1, wherein the network platform is an App platform or a Web platform; the friend circle user includes a personal registered user, a registered enterprise user, or can be externally Any one or any of the users of the social group responsible for the responsibility.
The loan control system for implementing risk control based on the network platform friend circle credit authorization according to claim 1, wherein the matching system further comprises a credit guarantee module, and the credit guarantee module comprises a mutual credit module between the network platform friends. .
The borrowing and loan matching system for realizing risk control based on the network platform friend circle credit authorization according to any one of claims 1-6, characterized in that: the borrowing user needs a credit line of a plurality of circle of friends, the borrowing amount of the borrowing user and the credit of the friend circle. The number of people is proportional.
The borrowing and loan matching system for realizing risk control based on the network platform friend circle credit authorization according to claim 7, wherein the borrowing user needs more than three circle of friends to authorize the credit.
The loan control combination system for realizing risk control based on the network platform friend circle credit authorization according to claim 1, wherein the user audits the authenticity of the registered user identity of the risk control module, the social circle layer, the family situation, and the personal/enterprise credit information. Review the status of the assets.
A lending and issuance management method based on a network platform friend circle credit to realize risk control, characterized in that the method comprises the following steps:

1) The user registers on the network platform with the friend circle function, and obtains a certain amount of credit given by a predetermined number of friends in the network platform, and becomes a borrowable user; the network platform audits the registered user in the background audit mode. And electronically form a risk control assessment report on user assets;

2) The borrowing user issues a loan application through the network platform, and the loan amount does not exceed the credit line obtained or only exceeds a certain percentage of the credit line obtained;

3) The network platform issues a loan application in the loan release module, and the user who has undergone registration review in the user registration module invests in the crowdfunding manner according to the agreed revenue distribution manner through the network platform;

4) The fundraising completion module issues the crowdfunding payment to the borrowing user. If the borrowing user overdue the contractual repayment, the network platform sends the creditor's overdue repayment information to the credit guarantor, and uses social pressure to urge the borrowing user to repay the loan; if the borrowing user If the payment is not repaid, the credit guarantor will assume a limited liability according to the amount of the credit guarantee.