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Debit/credit method and debit/credit system

A technology for lending and participating parties, applied in the field of lending methods and lending systems, can solve the problems that creditors cannot enjoy deposit interest income, the interests of creditors are difficult to protect, and extend the repayment period, so as to achieve flexible and humanized repayment methods and reduce the risk of default , The effect of improving the security of funds

Inactive Publication Date: 2015-09-09
SHENZHEN CIFPAY NETWORK BANK TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Although traditional lending methods can bring fixed income to creditors, there is also a default risk that the debtor will extend the repayment period indefinitely and it is difficult to recover the loan. This default risk is especially obvious in private lending activities, because private lending When the debtor defaults, its credit rating will not be affected in any way; at the same time, during the period when the funds are lent from the creditor to the debtor, the funds are no longer owned by the creditor, and the creditor cannot enjoy the deposit interest income during this period
It can be seen that the existing lending methods, especially private lending, have a high risk of default, and it is difficult to protect the interests of creditors

Method used

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  • Debit/credit method and debit/credit system
  • Debit/credit method and debit/credit system
  • Debit/credit method and debit/credit system

Examples

Experimental program
Comparison scheme
Effect test

no. 1 example

[0032] see figure 1 , figure 2 , the first embodiment of the loan method of the present invention is proposed, and the loan method includes the following steps:

[0033] S11. The fund management server grants a loan of a corresponding amount to the first participant according to the bank letter issued by the second participant, and freezes the funds corresponding to the bank letter.

[0034] Specifically, the second participant opens an account with the fund management institution and deposits deposits. The second participant, the first participant and the fund management institution agree on the loan amount, loan repayment period, and loan interest paid to the fund management institution. After receiving the loan information, the second participant applies to the fund management server for opening a bank letter based on the aforementioned loan information. The funds corresponding to the letter of credit will be issued to the first participant according to the bank letter o...

no. 2 example

[0043] see image 3 , the second embodiment of the loan method of the present invention is proposed, and the loan method includes the following steps:

[0044] S21. The fund management server grants a loan of a corresponding amount to the first participant according to the bank letter issued by the second participant, and freezes the funds corresponding to the bank letter.

[0045] S22. The fund management server unfreezes part of the funds corresponding to the bank letter of credit according to the part of the loan repaid by the first participant within the agreed loan repayment period.

[0046] S23. When the fund management server has not received the remaining loan after the loan repayment period expires, it urges the first participant for payment. For example, a dunning letter may be sent to the first party by email, text message, etc.

[0047] S24. According to the notice sent by the second participant to repay the remaining loan on behalf of the first participant, the ...

no. 3 example

[0051] see Figure 4 , propose the third embodiment of the loan method of the present invention, the loan method includes the following steps:

[0052] S31. The fund management server grants a loan of a corresponding amount to the first participant according to the bank letter issued by the second participant, and freezes the funds corresponding to the bank letter.

[0053] S32. The fund management server unfreezes part of the funds corresponding to the bank letter of credit according to the part of the loan repaid by the first participant within the agreed loan repayment period, and distributes the loan interest between the second participant's account and the fund management account according to preset rules.

[0054] In this embodiment, the second participant and the fund management institution also agree on the distribution of loan interest, that is, in this embodiment, the second participant can not only obtain deposit interest, but also obtain part of loan interest. For...

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Abstract

The present invention discloses a debit / credit method and a debit / credit system. The method comprises the steps that: a fund management server releases loan with a corresponding limit to a first participant according to a bank credit drawn by application of a second participant, and freezes funds corresponding to the bank credit; the fund management server unfreezes partial funds corresponding to the bank credit according to partial loan repaid by the first participant within an agreed repayment period; the fund management server presses the first participant for payment when the rest loan is still not received after the repayment period; the fund management server transfers the rest frozen funds corresponding to the bank credit to a fund management account within an agreed period, according to a notice sent by the second participant, of repaying the rest loan for the first participant; the fund management server still calculates and pays interest on deposit for the funds corresponding to the bank credit during the freezing period. Therefore, the default risk is lowered; the interests of creditors are safeguarded; and the fund security of fund management mechanism is improved.

Description

technical field [0001] The invention relates to the technical field of electronic information, in particular to a lending method and a lending system. Background technique [0002] Traditional lending mainly includes fund management agency lending and private lending. It is a transaction method in which the creditor lends funds to the debtor, and the debtor repays the principal and interest within the agreed time limit. Although traditional lending methods can bring fixed income to creditors, there is also a default risk that the debtor will extend the repayment period indefinitely and it is difficult to recover the loan. This default risk is especially obvious in private lending activities, because private lending When the debtor defaults, its credit rating will not be affected in any way; at the same time, during the period when the funds are lent from the creditor to the debtor, the funds are no longer owned by the creditor, and the creditor cannot enjoy the deposit inter...

Claims

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Application Information

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IPC IPC(8): G06Q40/00
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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