Guarantee software for small-amount loan and repayment

Abstract

The invention relates to the field of computers, in particular to guarantee software for small-amount loan and repayment. The guarantee software for small-amount loan and repayment comprises the steps that 1, a real-name account is logged in; 2, a debtor A initiates a friend application to a creditor B; 3, the debtor A puts forward a loan request to the creditor B; and 4, the debtor A and the creditor B sign a loan contract. The principal safety of small-amount loan and repayment is guaranteed through the guarantee software, and safe circulation of small-amount funds is achieved; through a real-name authentication mode, a real-name account is established in the system, a reputation score is evaluated, a loan upper limit is directly determined according to the reputation score, a debtor with poor reputation is prevented from carrying out secondary loan in a mode of adjusting the reputation score, and the principal safety of the debtor is directly guaranteed through guarantee money paid by the debtor; and meanwhile, the reputation score is evaluated and adjusted, so that the reputation awareness of the debtor can be cultivated continuously, and the guarantee risk of the system is reduced.

Description

technical field [0001] The invention relates to the field of computers, in particular to guarantee software for small loan repayment. Background technique [0002] Micro-loans have always been a common phenomenon in life. In the current society, it is difficult for many creditors to refuse small-amount loan requests, but once the money is lent out, they cannot get better security. Due to various reasons, Many creditors failed to recover their property in the end; especially some individuals with a lack of credit, repeatedly used borrowing as an excuse to embezzle the property of others, which not only caused economic losses to the creditors, but also had a negative impact on the social atmosphere and damaged the credibility of the society system; in the current society, there is no method or measure that can guarantee the safety of small loan repayment, and resorting to the law for small loan will also take up a lot of time and money costs for individuals, often outweighing ...

AI Technical Summary

Problems solved by technology

[0002] Micro-loans have always been a common phenomenon in life. In the current society, it is difficult for many creditors to refuse small-amount loan requests, but once the money is lent out, they cannot get better security. Due to various reasons, Many creditors failed to recover their property in the end; especially some individuals with a lack of credit, repeatedly used borrowing as an excuse to embezzle the property of others, which not only caused economic losses to the creditors, but also had a negative impact on the social atmosphere and damaged the credibility of the society system; in the current society, there is no method or measure that can guarantee the safety of small loan repayment, because resorting to the law for small loan will also take up a lot of personal time and money cost, often the gain outweighs the loss

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