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Debit/credit method and debit/credit system

A loan and participant technology, applied in the field of lending methods and lending systems, can solve the problems of creditors unable to enjoy deposit interest income, difficult to protect creditor interests, and prolong repayment period, so as to reduce default risks, improve capital security, and maintain effect of interest

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

[0030] 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:

[0031] 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.

[0032] 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 based on the aforementioned loan information, and after the fund management server opens a bank letter, the fund management server freezes the deposit account of the second participant accord...

no. 2 example

[0040] see image 3 , the second embodiment of the loan method of the present invention is proposed, and the loan method includes the following steps:

[0041] 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.

[0042] 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.

[0043] S23. The fund management server transfers the remaining frozen funds corresponding to the bank letter to the fund management account within the agreed time limit according to the notice sent by the second party to repay the remaining loan on behalf of the first party within the loan repayment period.

[0044] In this embodiment, steps S21-S23 are the same as steps S11-S13 in the firs...

no. 3 example

[0047] see Figure 4 , propose the third embodiment of the loan method of the present invention, the loan method includes the following steps:

[0048] 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.

[0049] 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.

[0050] In this embodiment, the second participant and the fund management agency 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 exam...

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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, according to partial loan repaid by the first participant within an agreed repayment period, unfreezes partial funds corresponding to the bank credit; 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 within the repayment period, 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; the fund security of fund management mechanisms is improved; and the way of repaying loan is more flexible and user-friendly.

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): G06Q40/04G06Q40/02
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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