Online credit investment-financing method and system

Abstract

The invention relates to online credit investment-financing method and system. The method includes: investment and financing members register for investment and financing membership through a member management system; a verification management system receives investment and financing member registration information from the member management system and verifies and certifies the members according to the investment and financing member registration information; the investment and financing members transact for digital certificates of investment and financing membership through a digital certificate management system; the financing members use a credit investment-financing transaction management system to generate item packets of rights and interests; the investment and financing members make investment and financing transactions for the item packets of rights and interests through a financial e-commerce platform; and the investment and financing members operate item operation monitoring for duration of the item packets of rights and interests and operate money collection through a credit investment-financing transaction management system. The method and system allow financiers with high financing demands to quickly and effectively finance at moderate cost through informal financial channels, and allow for safe and reliable investment protection and stable investment come for informal finance investors.

Description

technical field [0001] The invention relates to a debt investment and financing method and system, in particular to a network debt investment and financing method and system. Background technique [0002] Traditional private investment and financing behaviors with the nature of lending are often formed between people who are relatively familiar or have a certain trust relationship. This kind of non-governmental financial activities has long been operated in an irregular manner. Usually, the investment and financing parties lack third-party witnesses and third-party guarantees, or the investment and financing activities lack professional legal documents and standardized operating process guidelines, or due to the lack of clear investment targets, information asymmetry between the investment and financing parties, etc., lead to private investment. There are relatively large transaction risks in financing activities. At the same time, the transaction scope of such private inv...

AI Technical Summary

Problems solved by technology

However, the investment and financing transactions conducted by such crowdfunding websites are more of a venture capital investment and financing activity. Once the financing project fails, investors can hardly recover any investment.

At the same time, crowdfunding websites do not guarantee the quality management of financing projects, so the failure rate and risk of crowdfunding projects are relatively high, and it is difficult for investors to obtain stable and reliable income from crowdfunding websites

[0005] Chinese patent, patent application number 201110223065.9 discloses an electronic debt management operation system device and a method for realizing commercialization of credit and debt electronic finance. The transaction module of this invention does not provide a transaction platform, but uses a third-party application service interface (API) Therefore, the method and system of this invention cannot be used as an independent operating entity to realize the transaction of creditor's rights, and must rely on a third-party transaction system to generate actual value

At the same time, this method relies too much on electronic automation devices with artificial intelligence properties such as semantic web, knowledge base, and inference engine in the part of electronic debt review and processing, which makes the technical difficulty and investment cost of the invention extremely high, even in the current technical field. Some mature technologies cannot be realized

[0006] In view of the above, the existing investment and financing methods and technologies of non-bank financial institutions cannot solve the problem of financing parties with large financing needs obtaining effective financing through private financial channels

At the same time, the existing private financial investment and financing methods and technologies also have obvious defects in protecting investors' investment rights and obtaining stable and reliable returns.

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