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Network lending system

A network lending and user technology, applied in the field of network lending system, can solve problems such as complex procedures, many restrictions, and small loan amount, and achieve the effect of convenient use and improved utilization rate

Inactive Publication Date: 2017-12-15
新疆兴华富疆互联网金融服务有限公司
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  • Abstract
  • Description
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AI Technical Summary

Problems solved by technology

[0002] In the current field of financial lending, the lending objects of major financial structures are mainly large and medium-sized enterprises, and there are relatively few service projects for small enterprises and ordinary people. The only projects still have many restrictions, complicated procedures, and long review time. ; When borrowing from relatives and friends, there are problems such as small loan amount, difficulty in collecting money, and uncertain interest due to face problems; Value-added investment channels

Method used

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Embodiment Construction

[0024] In order to make the technical problems, technical solutions and advantages to be solved by the present invention more clear, the following will be described in detail in conjunction with the accompanying drawings and specific embodiments. The description here does not mean that all the subjects corresponding to the specific examples stated in the embodiments are in cited in the claims.

[0025] refer to figure 1 , figure 2 As shown, an online lending system includes a user unit, a selection unit, an application unit, an examination unit and an execution unit;

[0026] The user unit is used for the submission of user registration information and the login operation of registered users;

[0027] Specifically, the types of user registration include individual users and corporate users, and the user registration information includes user name, password, mobile phone number, mobile phone verification code, mailbox number, invitation code and bank card binding information...

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Abstract

The invention discloses a network lending system. The system includes a user unit, a selection unit, an application unit, an audit unit and an execution unit. The user unit is used for the operations of the submission of user registration information and the login of registered users; the selection unit is used for the registered users' selection of borrowing information issued by investors or financing project information issued by financiers; the application unit is used for submitting qualification applications based on the borrowing information or financing project information selected by the users, and obtaining application results, wherein the application results include application passing and application non-passing; the audit unit is used for auditing the users whose applications are approved and obtaining audit results, wherein the audit results include audit passing and audit non-passing; the execution unit is used for granting funds to the users who pass audit, and completing investment. The system has the advantage that a traditional offline mode is transformed into an online network lending mode to meet the individual's demand for funds and improve the utilization of idle funds.

Description

technical field [0001] The invention belongs to the technical field of financial lending, and in particular relates to a network lending system. Background technique [0002] In the current field of financial lending, the lending objects of major financial structures are mainly large and medium-sized enterprises, and there are relatively few service projects for small enterprises and ordinary people. The only projects still have many restrictions, complicated procedures, and long review time. ; When borrowing from relatives and friends, there are problems such as small loan amount, difficulty in collecting money, and uncertain interest due to face problems; Value-added investment channels. Contents of the invention [0003] In order to solve the above-mentioned problems, the present invention provides an online lending system, which transforms the traditional offline mode into an online online lending mode, so as to meet individual fund demands and improve the utilization...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 谭克力
Owner 新疆兴华富疆互联网金融服务有限公司
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