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Credit consumption method based on held network financial products and corresponding network system

A network system and product technology, applied in the Internet field, can solve problems such as easy occurrence of bad debts, funds cannot be used for consumption, and offline financial management products credit granting is not conducive to supervision, and achieves the effect of reducing risks.

Inactive Publication Date: 2015-10-21
胡萍
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, in the network system of ordinary online wealth management products, after users purchase wealth management products, this part of the funds will not be used for consumption, resulting in consumption value
Credit granting of offline financial products is not conducive to supervision and prone to bad debts

Method used

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  • Credit consumption method based on held network financial products and corresponding network system
  • Credit consumption method based on held network financial products and corresponding network system

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Embodiment Construction

[0034] The specific embodiments of the present invention will be described in further detail below in conjunction with the accompanying drawings.

[0035] Such as figure 1 As shown, the present invention provides a credit-granting consumption method based on the held network wealth management products, and the method includes the following steps:

[0036] 101-Calculate the credit limit based on the online wealth management products held, and grant credit;

[0037] 201-Allow the above-mentioned online wealth management product holders to pay by installments on the online platform within the scope of the credit line;

[0038] 301-The credit line is calculated and adjusted according to the amount of wealth management products, the amount of consumption needs and the amount of repayment;

[0039] The method steps of the above embodiments are not necessarily sequential steps.

[0040] The technical solution of the above-mentioned embodiment, wherein, the described method can inc...

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Abstract

The invention relates to a credit consumption method based on held network financial products and a corresponding network system. According to the invention, credit granting is carried out based on the held network financial products, the network financial products can also be used for installment payment, and Internet financial assets of users are activated. It is ensured not to generate bad debts through whole process supervision technologies of the Internet, thereby reducing the risk.

Description

technical field [0001] The present invention relates to the field of the Internet, in particular to a credit-granting consumption method based on a held network wealth management product and a corresponding network system. Background technique [0002] At present, in the network system of ordinary online wealth management products, after users purchase wealth management products, this part of the funds will not be used for consumption and generate consumption value. Credit granting for offline wealth management products is not conducive to supervision and is prone to bad debts. Contents of the invention [0003] In order to overcome the defects in the prior art, the purpose of the present invention is to provide a credit-granting consumption method and corresponding network system based on the held network wealth management products. [0004] The present invention is achieved through the following technical solutions: [0005] A credit-granting consumption method bas...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06
Inventor 不公告发明人
Owner 胡萍
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