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Loan repaying processing method and system

A processing method and processing system technology, applied in the field of loan repayment processing methods and systems, can solve the problems of widespread loan defaults, difficulty in recovering direct lenders, lack of capital guarantees and supervision mechanisms, etc., and achieve the effect of loan transaction security.

Inactive Publication Date: 2015-08-26
SHENZHEN CIFPAY NETWORK BANK TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The advantage of traditional lending methods is that they have fixed income. However, due to the lack of capital guarantee and supervision mechanism, especially in private lending activities, the repayment period is extended indefinitely, or it is not uncommon for direct lenders to recover loans, resulting in widespread loan defaults. Lender funds are not guaranteed

Method used

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  • Loan repaying processing method and system
  • Loan repaying processing method and system
  • Loan repaying processing method and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0023] like figure 1 As shown, a loan repayment processing method provided by an embodiment of the present invention is applied to a fund management server, and the method includes the following steps:

[0024] S101. After receiving the partial repayment of the first participant within the preset loan repayment period, unfreeze the partially frozen funds corresponding to the bank letter of credit according to the repayment amount.

[0025] Specifically, after the first participant repays part of the loan within the agreed loan period, the fund management server unfreezes the partially frozen funds corresponding to the bank letter of credit. automatically becomes available.

[0026] S102. If the remaining repayment is not received after the preset payment deadline, transfer the remaining frozen funds corresponding to the bank letter of credit to the fund management account, and synchronize the default record of the first participant to the fund management credit reporting syst...

Embodiment 2

[0030] like figure 2 As shown in the figure, a loan repayment processing method provided by an embodiment of the present invention is described by taking the fund management institution as a bank and the fund management server as the bank server as an example, and the method includes the following steps:

[0031] S201. After receiving the partial repayment of the first participant within the preset loan repayment period, unfreeze the partially frozen funds corresponding to the bank letter of credit according to the repayment amount.

[0032] Wherein, the bank letter of credit is an electronic commitment payment certificate that the second participant applies to the fund management server with the account funds or credit line as a security deposit and is issued by the fund management server.

[0033] As a preferred solution, in order to maximize the interests of the fund management institution, the repayment amount received includes all loan interest and part of the loan princ...

Embodiment 3

[0043] like image 3 As shown, a loan repayment processing system provided by an embodiment of the present invention is applied to a fund management server, and the system includes the following modules:

[0044] The receiving module 10 is used for receiving the repayment from the first participant.

[0045] Specifically, the receiving module 10 may partially repay the loan by the first participant within the preset loan repayment period.

[0046] The repayment processing module 20 is used to unfreeze the partially frozen funds corresponding to the bank letter of credit according to the repayment amount after receiving the partial repayment of the first participant within the preset loan repayment period, and the bank letter of credit is issued by the second participant. An electronic commitment payment certificate that is applied to the fund management server and issued by the fund management server with the account funds or credit line as the deposit.

[0047] Specifically...

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PUM

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Abstract

The invention discloses a loan repaying processing method and system, and belongs to the field of financial technology. The method comprises the steps that after partial payment of a first party within the preset repaying period is received, partial blocked funds corresponding to a bank credit certificate are thawed according to the repaid funds; and if remaining payment is not received after the preset payment requesting period is exceeded, surplus blocked funds corresponding to the bank credit certificate are transferred to a fund management account, and the penalty record of the first party is synchronized to a fund management credit reporting system. With application of the method, the bank credit certificate is introduced to guarantee lending transactions and the penalty record of the first part is synchronized to the fund management credit reporting system so that penalty cost of the first party can be increased, and thus the risk of the loan funds can be reduced and the lending transactions are enabled to be safer.

Description

technical field [0001] The present invention relates to the field of financial technology, and in particular, to a loan repayment processing method and system. Background technique [0002] Traditional lending generally refers to a method of lending funds to debtors to receive fixed income, mainly including bank lending and private lending. When the borrower initiates the settlement demand and the lender intends to lend 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. The repayment period is agreed upon, and its collection period is extended indefinitely. The advantage of traditional lending methods is that they have fixed returns, but due to the lack of capital guarantees and regulatory mechanisms, especially in private lending activities, the repayment period is extended indefinitely, or the direct lender is difficu...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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