Internet financial debit and credit management system and method

Abstract

The invention provides an Internet financial debit and credit management system and method, which belong to the field of information technology. Through operation of an electronic account opening and signing unit, an electronic data storage unit and a notary office inspection unit under the Internet financial debit and credit management system, the Internet financial debit and credit management method is fully applied to Internet financial management in order to make debit and credit information evidence preserved in time, realize online compulsory enforcement notarization and reduce the difficulty of money collection after loan. Meanwhile, because the default information of dishonest borrowers is input to a third party population information database, the default cost of dishonest borrowers is increased, and certain deterrence can be produced to urge borrowers to make repayment actively. Therefore, through the system and the method, the problem of overdue loans and difficult post-loan disposal in the process of Internet financial operation and management can be solved, and the construction of the Internet financial management system can be promoted.

Description

technical field [0001] The invention belongs to the field of information technology, and in particular relates to an Internet financial lending management system and a method thereof. Background technique [0002] With the rise of Internet finance, convenient loans without geographical restrictions have emerged, and instant loans and instant payments have become a reality. From the first year of Internet finance in 2014 to the first year of Internet financial supervision in 2016, the Internet finance industry has grown from the initial brutal growth to the current smooth operation, and has easily exceeded the balance of 3 trillion yuan in loans. The miracle of the speed of China's e-commerce development. However, in the process of Internet financial operation and management, when the loan is overdue, the problem of difficult post-loan disposal is still severe, hindering the development of the Internet financial industry. [0003] In the existing Internet financial manageme...

AI Technical Summary

Problems solved by technology

Judicial channels take a long time, and the cost of disposal is high, which is contrary to the original intention of creditors to obtain legal and effective solutions in a short period of time and at a reasonable cost; collection companies and asset disposal companies are prone to gangsters and violence in collections, resulting in Risks and adverse legal consequences

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