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Network loan platform

An online lending and platform technology, applied in the field of online lending platforms that facilitate loans, can solve the problems that acquaintances may not have funds, idle funds have no investment channels, and harsh conditions, so as to meet the needs of personal funds, improve the utilization rate of idle funds in society, The effect of developing the personal credit system

Inactive Publication Date: 2013-09-11
XIAMEN LANXIANG NETWORK TECH
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  • Summary
  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0002] In today's formal financial system, financial institutions ignore the financial needs of small and medium-sized enterprises and vulnerable groups in terms of market positioning. When small and medium-sized enterprises and vulnerable groups borrow from banks, the conditions are harsh, the procedures are complicated, and the time is very long; when borrowing from acquaintances , in addition to the problem of face, acquaintances may not have matching funds, and there are certain risks; from another perspective, many people have idle funds and no investment channels, and they also urgently need means to maintain and increase value

Method used

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  • Network loan platform

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Embodiment Construction

[0014] Preferred embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings.

[0015] refer to figure 1 , a network lending platform, which includes: a control unit 1, a borrower 2 and a loan user 3, the control unit 1 is the builder of the network lending platform and the reviewer of loans, and it includes a risk assessment mechanism 11, Bidding mechanism 12, financial mechanism 13, and creditor's rights transfer mechanism 14; borrower 2 issues a loan application through the online lending platform, and loan user 3 invests according to the review results issued by the bidding mechanism 12 and risk assessment mechanism 11, and the platform temporarily freezes the loan when investing For the account funds of user 3, when the loan applied by borrower user 2 reaches the loan amount, other loan users can continue to invest by lowering the interest rate. The selected loan user bids, and the funds of the selected loan user a...

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Abstract

The invention provides a network loan platform which comprises a control unit, a money-borrowing user and a money-lending user. The control unit is a builder of the network borrowing-lending platform and an auditor of loans. The control unit has a standard risk assessment mechanism, a tender mechanism, a financial mechanism and a credit assignment mechanism. On the network loan platform, the money-borrowing user publishes a loan application, the control unit audits the loan application, and the money-lending user invests according to an audit result published by the control unit. The network loan platform changes a single off-line loan mode to a network loan mode; by means of the platform, personal fund requirements are met, a personal credit system is developed, and the utilization rate of social idle funds is improved; the network loan platform is a safe, quick and honest trading platform.

Description

technical field [0001] The invention belongs to the field of financial lending, in particular to an online lending platform that facilitates lending. Background technique [0002] In today's formal financial system, financial institutions ignore the financial needs of small and medium-sized enterprises and vulnerable groups in terms of market positioning. When small and medium-sized enterprises and vulnerable groups borrow from banks, the conditions are harsh, the procedures are complicated, and the time is very long; when borrowing from acquaintances , In addition to face problems, acquaintances may not have matching funds, and there are certain risks; from another perspective, many people have idle funds and no investment channels, and they also urgently need means to maintain and increase value. [0003] Aiming at this phenomenon, the present invention provides a safe, fast and honest transaction platform, which transforms the single offline mode of lending into an online...

Claims

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Application Information

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IPC IPC(8): G06Q40/00
Inventor 宋钢叶妍
Owner XIAMEN LANXIANG NETWORK TECH
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