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Method for time payment of artwork investment

A technology of installment payment and works of art, applied in the payment system structure, instruments, data processing applications, etc., to meet the needs of financing

Inactive Publication Date: 2011-07-20
徐三
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The product needs to be mortgaged by real estate, certificates of deposit, and national bonds. If there is no suitable collateral, Lu Jingqing, general manager of Xileng Yinshe Auction Company, can also provide a third-party natural person joint liability guarantee, but the maximum single financing amount in this way is limited. More than 6 million yuan

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0017] The following examples can illustrate the present invention in more detail, but do not limit the present invention in any form.

[0018] In the installment payment method for artwork investment described in the present invention, the bank does not participate in the direct investment of the artwork, and the bank is not responsible for the authenticity, quality, storage, and transportation of the artwork, and the bank only performs its responsibilities according to the payment contract signed with investors and artists , and require the investor's investment must meet the following terms:

[0019] 1. The creator of the artwork invested by the investor must be alive;

[0020] 2. The artwork created by the artist invested by the investor is not a completed artwork;

[0021] 3. The investor must sign a contract with the artist on the delivery time, price and payment method of the artwork, and pay a certain deposit. The payment method must be the deposit + balance, and the ...

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PUM

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Abstract

The invention relates to a method for time payment of artwork investment, comprising: an artwork investor finds an artist, orders an artwork, determines the completing time, price and payment type of the artwork, pays a part of earnest money and signs a contract; the investor and the artist go to a bank together to sign a tripartite agreement with the signed artwork purchase contract, and determine a tripartite account to be deposited by the bank; the bank examines and verifies the loan repayment capacity of the investor, signs the loan contract with the investor after making a repayment plan clear, then loans to a deposited account and sets the repayment account of the investor; the investor repays in time according to the repayment plan until the artist turns over the artwork in time and the loan is repaid completely; and the bank pays the spare money to the artist according to the protocol and settles the loan and interest of the investor. By utilizing the method, the financing requirement of the investor on the artwork investment can be satisfied without any guaranty, and the bank has no direct danger.

Description

technical field [0001] The invention relates to a financial investment method, in particular to a method of installment payment for artwork investment, which belongs to the field of lending business of financial institutions. Background technique [0002] Artwork investment has become another investment channel after stocks, real estate, and gold. In 2010, the turnover of art auctions in mainland China exceeded 50 billion. The frenzy of the art auction market has attracted funds from all walks of life, as well as high-end banks. client. In recent years, the achievements of art auctions in various places have continuously stimulated the nerves of investors. Some authoritative sources pointed out that as the concept of art investment is deeply rooted in the hearts of the people, no matter whether it is a real estate group, a stock group or a treasure group, Shanxi Coal Boss, Zhejiang Financial Group, etc. Tycoons, they are increasingly becoming influential figures in the auct...

Claims

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Application Information

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IPC IPC(8): G06Q20/00
Inventor 徐三
Owner 徐三
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