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Asset transaction method and asset transaction platform for credit assets

A credit asset and transaction method technology, which is applied in the asset transaction method and asset transaction platform of credit assets, can solve problems such as the inability to improve the efficiency of capital use, the inability to improve the ability of capital to generate interest, and the inability to improve asset matching, so as to improve asset flow Sexuality, increase capital adequacy ratio, and increase the effect of risk level

Pending Publication Date: 2020-09-01
杭州决对信息科技有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In the process of credit ABS asset transactions, there is a requirement for periodic matching between the asset side and the capital side, that is, the maturity date of the asset cannot exceed the maturity date of the financing plan. It is impossible to choose stock assets as investment targets. On the one hand, it narrows the selection of assets and cannot improve the efficiency of capital use; on the other hand, stock assets that have gone through the performance period have more indicators in terms of risk assessment that may meet the requirements of transfer transactions. The traditional asset transfer transaction method cannot improve the asset matching degree and reduce the idle rate of funds, and thus cannot improve the interest-earning ability of funds, and provide protection for investors' principal income

Method used

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  • Asset transaction method and asset transaction platform for credit assets
  • Asset transaction method and asset transaction platform for credit assets
  • Asset transaction method and asset transaction platform for credit assets

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0030] Such as figure 1 As shown, an asset transaction method for credit assets includes the following steps:

[0031] (1) Creation of credit assets: Taking credit extension as an example, the lender and the borrower sign a loan contract, and make a loan based on the agreed principal, interest rate, repayment method, purpose and guarantee measures to form an asset;

[0032] (2) Segment asset principal and asset interest: The core principle of asset segmentation in this embodiment is to treat each repayment plan of a single asset (promissory note or bill) as a cash flow, and according to the cash flow The repayment amount and expected time are divided into new assets. The staging of new assets and basic assets is theoretically one-to-one correspondence;

[0033] (3) Asset reorganization according to the time occupied by the installment principal: In this embodiment, for any repayment method, according to the repayment cash flow generated by the repayment plan, the original en...

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Abstract

The invention discloses an asset transaction method and an asset transaction platform for credit assets, and belongs to the technical field of financial transactions, and the asset transaction methodcomprises the following steps: (1) carrying out credit asset generation; (2) segmenting the asset principal and the asset interest; (3) carrying out asset recombination according to the staging principal occupation time; and (4) carrying out transfer transaction on the recombined credit assets. According to the invention, the asset segmentation recombination and recombination asset transaction method is introduced, so that the asset repayment performance and safety can be ensured, the risk level of active management capability control is improved, the transaction structure is more flexible, the fund utilization rate and the capital income are further improved, and the asset liquidity, the capital satisfaction rate, the loan structure and the concentration degree can be improved, and the income capability is improved in the asset transaction process.

Description

technical field [0001] The invention belongs to the technical field of financial transactions, and in particular relates to an asset transaction method and an asset transaction platform for credit assets. Background technique [0002] In recent years, the ABS asset securitization market system of credit assets has been further improved, the market scale has continued to expand, liquidity has improved significantly, and innovative businesses have accelerated. As an important financial tool to stimulate domestic demand and meet differentiated financial needs, credit finance has gradually become a new business growth point for the financial industry. In addition to providing traditional services, relevant financial institutions have also begun to improve their service capabilities for credit ABS asset securitization transactions. The small amount of credit assets scattered and the characteristics of different term lengths determine that business development must rely on strong...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04G06Q40/02
CPCG06Q40/04G06Q40/03
Inventor 骆桢轩王德峰韩飞
Owner 杭州决对信息科技有限公司
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