CN104899783A - Fund debit/credit transaction method and system - Google Patents
Fund debit/credit transaction method and system Download PDFInfo
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- CN104899783A CN104899783A CN201510287592.4A CN201510287592A CN104899783A CN 104899783 A CN104899783 A CN 104899783A CN 201510287592 A CN201510287592 A CN 201510287592A CN 104899783 A CN104899783 A CN 104899783A
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Abstract
The present invention discloses a fund debit/credit transaction method and system, and belongs to the technical field of finance. The method comprises the steps that: a second fund management server draws a bank credit by taking account funds or credit line of a second participant as cash deposit, and sends the bank credit to a first fund management server of a first participant; the first fund management server offers loan funds with a corresponding limit to the first participant according to the bank credit; the second fund management server unfreezes frozen funds corresponding to the bank credit according to payment amount after receiving billing notice from the first fund management server; if the rest repayment is not received after the preset payment requesting time, the rest frozen funds corresponding to the bank credit are transferred to a first fund management account. With the adoption of the fund debit/credit transaction method and system, interests of creditors can be safeguarded by introducing the bank credit for debit/credit transaction, and the default risk is lowered, so that the security of the loan funds is improved and the mode of repayment is more flexible and user-friendly.
Description
Technical field
The present invention relates to financial technology field, particularly relate to a kind of debt-credit method of commerce and system.
Background technology
Traditional debt-credit generally refers to a kind of mode of fund being lent and collecting fixed income to debtor, mainly comprises bank debit and credit and personalized lending.Clearing demand is initiated by loaning bill side, when creditor has a mind and lends debit, both sides reach debt-credit transaction by oral or written agreement, if loaning bill side presses agreed period and refunds, creditor receives loan principal and interest, if loaning bill side refunds not according to agreed period, its time limit indefinite extension of recovering.The advantage of tradition debt-credit mode is fixing income, but due to shortage of capital guarantee and oversight mechanism, especially in personalized lending activity, indefinite duration payback period extends, or the event that direct loan people is difficult to recover loan is of common occurrence, cause default risk higher, loan fund can not get ensureing.
As can be seen here, present stage needs a kind of debt-credit method of commerce of improvement, to reduce default risk and loan fund risk, makes debt-credit transaction safer.
Summary of the invention
In view of this, the technical problem to be solved in the present invention is to provide a kind of debt-credit method of commerce and system, to reduce loan fund risk.
For solving the unmanageable problem of credit risk existed in prior art, the invention provides a kind of capital loan interaction processing method and system, having solved the problem that loan is difficult to recover.
It is as follows that the present invention solves the problems of the technologies described above adopted technical scheme:
According to an aspect of the present invention, a kind of capital loan method of commerce provided comprises the following steps:
Second participant sends the request of opening silver letter card to the second capital management server;
Second capital management server opens silver letter card using the second participant account fund or the accrediting amount as guaranty money, and silver letter card is sent to the first capital management server at the first participant place;
First capital management server provides the loan fund of corresponding amount to the first participant according to silver letter card;
If the first capital management server receives the refund of the first participant, then to second capital management server send refund notice, the second capital management server according to the refund amount of money thaw silver letter card corresponding blocked funds;
If the first capital management server exceed default urge the money time limit after do not receive residue and refund, then send default notice to the second capital management server, the second capital management server transfers residue blocked funds corresponding to silver letter card to the first capital management account.
According to another aspect of the present invention, a kind of capital loan method of commerce provided, be applied to capital management server, the method comprises the following steps:
After receiving the silver letter card opened by described capital management server through the second participant application, provide the loan fund of corresponding amount to the first participant according to silver letter card;
If receive the refund of the first participant, the blocked funds of silver letter card correspondence of thawing according to the refund amount of money;
If exceed default urge the money time limit after do not receive residue and refund, residue blocked funds corresponding to silver letter card of transferring is to capital management account;
Wherein, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of capital management server and by capital management server by the second participant.
According to a further aspect of the invention, a kind of capital loan transaction system provided, this system comprises with lower module: be positioned at the request module of opening L/C of the second terminal, be positioned at the processing module of opening L/C of the second capital management server, second receive the lending processing module, first of borrowing processing module and the second Treatment for Default module and being positioned at the first capital management server and receive and borrow processing module and the first Treatment for Default module, wherein:
To open L/C request module, for sending the request of opening silver letter card to the second capital management server;
To open L/C processing module, open silver letter card using the second participant account fund or the accrediting amount as guaranty money for the second capital management server, and silver letter card is sent to the first capital management server at the first participant place;
Lending processing module, for providing the loan fund of corresponding amount to the first participant according to silver letter card;
First receives loan processing module, if the refund for receiving the first participant, sends refund notice to the second capital management server;
Second receives loan processing module, for the blocked funds that the silver letter card that thaws according to the refund amount of money is corresponding;
First Treatment for Default module, if for exceed default urge the money time limit after do not receive residue and refund, send default notice to the second capital management server;
Second Treatment for Default module, if for exceed default urge the money time limit after do not receive residue and refund, residue blocked funds corresponding to silver letter card of transferring is to the first capital management account.
According to a further aspect of the invention, a kind of capital loan transaction system provided, be applied to capital management server, this system comprises with lower module:
Lending processing module, after receiving the silver letter card opened by described capital management server through the second participant application, to provide the loan fund of corresponding amount to the first participant according to silver letter card;
Refund processing module, if the refund for receiving the first participant, the blocked funds of silver letter card correspondence of thawing according to the refund amount of money;
Treatment for Default module, if for exceed default urge the money time limit after do not receive residue and refund, residue blocked funds corresponding to silver letter card of transferring is to capital management account;
Wherein, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the 3rd capital management server application and by the 3rd capital management server by the second participant.
Method and system provided by the present invention, by institutions managing funds is drawn in debt-credit process of exchange, make institutions managing funds come true on lender, data processing is safer, quick.Carrying out debt-credit transaction by introducing silver letter card, can default risk be reduced, not affect the acquisition of the second participant interest on deposit simultaneously, maintain the interests of the second participant.And in the situation that the first participant is broken a contract, institutions managing funds is repaid according to the blocked funds of silver letter card, the security of energy loan on guarantee fund.
Accompanying drawing explanation
Fig. 1 provides a kind of process flow diagram borrowing or lending money method of commerce for the embodiment of the present invention.
Fig. 2 provides the process flow diagram of another kind of debt-credit method of commerce for the embodiment of the present invention.
Fig. 3 for the present invention example embodiment provide another debt-credit method of commerce process flow diagram.
Fig. 4 for the present invention example embodiment provide another debt-credit method of commerce process flow diagram.
Fig. 5 for the present invention example embodiment provide another debt-credit method of commerce process flow diagram.
Fig. 6 provides the structural drawing of another kind of debt-credit transaction system for the embodiment of the present invention.
Fig. 7 provides the structural drawing of another kind of debt-credit transaction system for the embodiment of the present invention.
Fig. 8 provides the structural drawing of another kind of debt-credit transaction system for the embodiment of the present invention.
Embodiment
In order to make technical matters to be solved by this invention, technical scheme and beneficial effect clearly, understand, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
In the present invention, the first participant is loaning bill side.Second participant refers to that first participant that has a mind initiates the individual or entity of loan purpose.Institutions managing funds refers to the financial institution that can support Capital Flow and transaction, plays the effect of lender in debt-credit transaction.Wherein, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of capital management server and by capital management server by the second participant.Silver letter card is that institutions managing funds promises to undertake the electronic credit voucher handling receipt and payment clearing according to solution condition of paying.Silver letter card not only can use commodity purchasing, also can be used for mortgage.Institutions managing funds refers to the mechanism that can support Capital Flow, includes but not limited to bank and other financial institutions (as security organization).Correspondingly, capital management server comprises bank server or other financial institution servers; Capital management account comprises bank loan account or other financial institution loan accounts; Capital management credit investigation system comprises the People's Bank's credit investigation system or other financial institution's credit investigation systems.
Embodiment one
As shown in Figure 1, a kind of capital loan method of commerce that the embodiment of the present invention provides comprises the following steps:
S101, the second participant send the request of opening silver letter card to the second capital management server.
Particularly, second participant holds the people that fund has lending purpose, it is by after responding the first participant borrowing demand and reaching an agreement under line or on electric business's platform line, with its account fund or the accrediting amount for credit underwriting opens electronics acceptance and guarantee voucher to institutions managing funds application.E-commerce platform can be the e-commerce platform of lending bank, also can for having the third-party E-commerce platform of Cooperation relation.
S102, the second capital management server open silver letter card using the second participant account fund or the accrediting amount as guaranty money, and silver letter card is sent to the first capital management server at the first participant place.
Particularly, the second capital management server generates silver letter card using the second participant account fund or the accrediting amount as guaranty money, freezes the second participant in the account fund of the second institutions managing funds or the accrediting amount simultaneously.Although the silver letter card that the second participant is opened is frozen, fund is still in the second participant account, and just fund is in not available state, but does not also affect collecting of the second participant interest on deposit between freezing period.Such as, second participant account fund remaining sum is 300,000, to capital management server opened 200,000 silver letter card and frozen, but capital management server still calculates interest on deposit by the balance of funding of 300,000, or capital management server calculates the second participant interest on deposit by the balance of funding of 100,000, and calculate separately the funds interest between silver letter card freezing period.
S103, the first capital management server provide the loan fund of corresponding amount to the first participant according to silver letter card.
Particularly, the first participant is offered loans according to the length of maturity appended by silver letter card, condition such as agreement loan interest etc., wherein, the amount of loan fund with silver-colored believe demonstrate,prove that to associate the fund freezed be single-candidate.
If S104 first capital management server receives the refund of the first participant, then to second capital management server send refund notice, the second capital management server according to the refund amount of money thaw silver letter card corresponding blocked funds.
Particularly, after the first participant is refunded, the second capital management server thaws part blocked funds corresponding to silver letter card.Meanwhile, the part fund of thawing and corresponding interest on deposit become automatically in the second participant account can utilization state, and the silver letter card surplus capital of not thawing still keeps frozen state.
Capital management server receives the refund of the first participant account in predetermined repayment period, the refund amount of money comprises in full refund or partial payment, if what capital management server received that the first participant account sends is capital in full and whole loan interests, then think that the first participant is fully refunded, all silver that now thaws believes card fund, and be the interest on deposit that the second participant distributes between silver letter card freezing period, the loan interest that also can comprise part agreement is distributed.If bank only receives partial payment in predetermined repayment period, partial payment refers to and receives part capital and whole loan interests.This step comprises following several situation: after device receives the in full refund of the first participant in default repayment period, whole blocked fundss that the silver letter card that thaws is corresponding.After receiving the partial payment of the first participant in default repayment period, the residue blocked funds of silver letter card correspondence of thawing according to the refund amount of money.Refund when receiving the residue of the first participant in default repayment period, the residue blocked funds that the silver letter card that thaws is corresponding.When receiving the first participant in the default refund in full of urging in the money time limit, whole blocked fundss that the silver letter card that thaws is corresponding.When receiving the first participant at the default partial payment of urging in the money time limit, the part blocked funds that the silver letter card that thaws is corresponding.Refund when receiving the residue in the money time limit of urging that the first participant is being preset, the residue blocked funds that the silver letter card that thaws is corresponding.
If S105 first capital management server exceed default urge the money time limit after do not receive residue and refund, then send default notice to the second capital management server, the second capital management server transfers residue blocked funds corresponding to silver letter card to the first capital management account.
Particularly, when the first capital management server exceed default urge the money time limit after do not receive after residue refunds, assert the first participant promise breaking, now the first capital management server sends and notifies that the second capital management server transfers residue blocked funds corresponding to silver letter card to the first capital management account, thus the safety of loan on guarantee fund.
First capital management server and the second capital management server are different server, such as different bank server, or the different capital management servers of colleague's cross-region.Certainly, when the fund place account of the second participant and lending bank are same bank, the first capital management server and the second capital management server are same capital management server.
The method of the embodiment of the present invention, by institutions managing funds is drawn in debt-credit process of exchange, make institutions managing funds come true on lender, data processing is safer, quick.Carrying out debt-credit transaction by introducing silver letter card, can default risk be reduced, not affect the acquisition of the second participant interest on deposit simultaneously, maintain the interests of the second participant.And in the situation that the first participant is broken a contract, institutions managing funds is repaid according to the blocked funds of silver letter card, the security of energy loan on guarantee fund.
Embodiment two
As shown in Figure 2, a kind of capital loan method of commerce that the embodiment of the present invention provides comprises the following steps:
S201, the second participant send the request of opening silver letter card to the second capital management server.
S202, the second capital management server open silver letter card using the second participant account fund or the accrediting amount as guaranty money, and silver letter card is sent to the first capital management server at the first participant place.
S203, the first capital management server provide the loan fund of corresponding amount to the first participant according to silver letter card.
S204, judge whether to receive residue in default repayment period and refund, if so, perform step S205, otherwise perform step S207.
S205, the first capital management server send residue refund notice to the second capital management server.
S206, the second capital management server thaw silver letter card corresponding freeze the amount of money, and in the second participant and the first fund account floated loan interest and interest on deposit.
Whether S207, the first capital management server are ready if so, to perform monthly payment plan step S208, otherwise perform step S209 to the first participant consulting.
S208, startup installment reimbursement flow process, go to step S215.
If S209 first capital management server receives the refund of the first participant, then to second capital management server send refund notice, the second capital management server according to the refund amount of money thaw silver letter card corresponding blocked funds.
S210, whether to refund in the residue receiving the first participant in the money time limit of urging preset, if so, perform step S211, otherwise perform step S213.
After S211, the second capital management server receive the notice of the first capital management service, the residue blocked funds that the silver letter card that thaws is corresponding.
S212, by preset rule at the second participant account and the second capital management server account floated loan interest, interest on deposit and overdue fine.
S213, the second capital management server transfer residue blocked funds corresponding to silver letter card to the first capital management server account.
The promise breaking recording synchronism of the first participant to capital management credit investigation system, is reduced the credit level of the first participant by S214, the first capital management server.
Particularly, this step is passed through the promise breaking recording synchronism of the first participant to bank reference system, draw in credit blacklist can to the upper credit stain of the first participant note, make that the first participant is follow-up cannot use the accrediting amount, thus improve the penalty cost of the first participant further.
S214, process ends.
The embodiment of the present invention two is on the basis of above-described embodiment one, mode of by stages repaying is increased by way, when the first participant is unable all repay the loan, allow the first participant installment reimbursement, the short-term capital pressure of the first participant can be alleviated, improve successful possibility of repaying, thus reduce loan fund risk.In addition, by introducing credit investigation system, credit level is improved after the first participant is refunded according to appointment, can promote that the first participant is actively refunded to a certain extent, after the first participant promise breaking, reduce credit level makes it follow-uply cannot use the accrediting amount, thus improve the penalty cost of the first participant further, reduce default risk.
Embodiment three
As shown in Figure 3, a kind of capital loan method of commerce that the embodiment of the present invention provides comprises the following steps:
S301, the second participant send the request of opening silver letter card to the second capital management server.
S302, the second capital management server open silver letter card using the second participant account fund or the accrediting amount as guaranty money, and silver letter card is sent to the first capital management server at the first participant place.
S303, the first capital management server provide the loan fund of corresponding amount to the first participant according to silver letter card.
S304, judge whether to receive residue in default repayment period and refund, if so, perform step S305, otherwise perform step S307.
S305, the first capital management server send residue refund notice to the second capital management server.
S306, the second capital management server thaw silver letter card corresponding freeze the amount of money, and in the second participant and the first fund account floated loan interest and interest on deposit.
In order to maximize the interests of institutions managing funds, the partial payment amount of money received comprises whole loan interest and part loan principal.That is, refund capital (fund of namely thawing) is only first cut whole loan interests of loan fund from redrawing funds after.Thus first loan interest is taken in partial payment, follow-up also favourable to institutions managing funds when calculating residue refund extension overdue fine.
Whether S307, the first capital management server are ready if so, to perform monthly payment plan step S308, otherwise perform step S309 to the first participant consulting.
S308, startup installment reimbursement flow process, go to step S215.
S309, the first capital management server urge money to provide a loan to the first participant.
Particularly, bank can manually urge the first participant also to remain refund, also can be refunded by the omnibearing recall residue of bank server, recall is carried out in combination as by one or more modes following: dialing notifies the telephone number that the first participant is preset or mobile phone, mail notification is sent to the E-mail address that the first participant is preset, to the software program client push information of the first participant registration, the mobile number preset to the first participant sends SMS notification, the QQ number preset to the first participant sends QQ message, or send message to the micro-signal code that the first participant is preset.
S310, whether to refund in the residue receiving the first participant in the money time limit of urging preset, if so, perform step S311, otherwise perform step S314.
After S311, the second capital management server receive the notice of the first capital management service, the residue blocked funds that the silver letter card that thaws is corresponding.
S312, by preset rule at the second participant account and the second capital management server account floated loan interest, interest on deposit and overdue fine.
Particularly, due to silver letter card, the interest on deposit during freezing of funds automatically to calculate in the second participant account when thawing the blocked funds of silver letter card and becomes upstate.Loan interest is transferred accounts while then being refunded by the first participant capital management account.Certainly, the second participant and institutions managing funds also can arrange way of benefit distribution of providing a loan completely separately, reallocate according to the mode of agreement.When refunding when delaying, the overdue fine of extension fund can also be collected, to improve the penalty cost of the first participant further.
S313, judge whether that receiving the second participant replaces the first participant refund notice, if so, perform step S314, otherwise perform step S316.
Particularly, the second participant replaces the refund of the first participant to comprise further:
Replace the first participant to pay off in default repayment period fully refunding, replace the first participant to repay partial payment in the repayment period preset, residue is refunded, replaces the first participant to pay off urging in the money time limit of presetting fully refunding, replaced the first participant to repay partial payment urging in the money time limit of presetting, urging in the money time limit of replacing the first participant to preset repays residue refund to replace the first participant to repay in default repayment period.
Wherein, the amount of money of refunding in full comprises loan fund and loan interest, and the amount of money of partial payment is whole loan interest and part loan fund sum.
S314, the second capital management server transfer residue blocked funds corresponding to silver letter card to the first capital management server account.
S315, improve the credit level of the second participant.
S316, the second capital management server transfer residue blocked funds corresponding to silver letter card to the first capital management server account.
The promise breaking recording synchronism of the first participant to capital management credit investigation system, is reduced the credit level of the first participant by S317, the first capital management server.
S318, process ends.
The embodiment of the present invention three is on the basis of above-described embodiment two, when the first participant is unable all repay the loan, by the flexi mode providing the second participant to replace the first participant partial payment, and after utilizing the second participant to replace the first participant to refund, the credit level improving the second participant encourages and replaces refunding.Successful possibility of repaying can be improved further, improve and reduce loan fund risk, make debt-credit transaction safer.
Embodiment four
As shown in Figure 4, the embodiment of the present invention is that same capital management server (claiming capital management server) is described for the first capital management server and the second capital management server.A kind of capital loan method of commerce that the embodiment of the present invention provides, be applied to capital management server, the method comprises the following steps:
S401, receive the silver letter card opened by capital management server through the second participant application after, to provide the loan fund of corresponding amount to the first participant according to silver letter card.
If S402 receives the refund of the first participant, the blocked funds of silver letter card correspondence of thawing according to the refund amount of money.
If S403 exceed default urge the money time limit after do not receive residue and refund, residue blocked funds corresponding to silver letter card of transferring is to capital management account.
Particularly, if urge in the money phase do not pay off completely owe loan, then silver letter is demonstrate,proved the allocation of the funds freezed to capital management account.
In the preferred scheme of one, and record the promise breaking record of the first participant, promise breaking record can also be synchronized to the credit investigation system of Financial Management department, the credit investigation system of such as the People's Bank.
Embodiment five
As shown in Figure 5, the embodiment of the present invention is that same capital management server (claiming capital management server) is described for the first capital management server and the second capital management server.A kind of capital loan method of commerce that the embodiment of the present invention provides, be applied to capital management server, the method comprises the following steps:
S501, receive the silver letter card opened by described capital management server through the second participant application after, to provide the loan fund of corresponding amount to the first participant according to silver letter card
S502, receive the partial payment of the first participant in default repayment period after, to thaw part blocked funds corresponding to silver letter card according to the refund amount of money.
S503, not receiving after residue refunds when exceeding default repayment period, whether being ready installment reimbursement to the first participant inquiry.
Particularly, whether be ready that installment reimbursement can manually carry out to the first participant inquiry, result typing capital management server will be inquired, also can automatically be seeked the opinion of by capital management server and collect consulting result.
If the feedback of S504 first participant is ready then to perform step S505 by installment reimbursement, otherwise perform step S506.
S505, startup installment reimbursement flow process, go to step S512.
S506, preset urge in the money time limit, to first participant recall loan.
If S507 receives the partial payment of the first participant, the part blocked funds that the silver letter card that thaws is corresponding.
In order to maximize the interests of institutions managing funds, the partial payment amount of money received comprises whole loan interest and part loan principal.That is, refund capital (fund of namely thawing) is only first cut whole loan interests of loan fund from redrawing funds after.Thus first loan interest is taken in partial payment, follow-up also favourable to institutions managing funds when calculating residue refund extension overdue fine.
If the residue that S508 receives the first participant is refunded, then perform step S509, otherwise perform step S511.
S509, the residue blocked funds that the silver letter card that thaws is corresponding.
S510, by the rule preset in the second participant account and capital management account floated loan interest and urge overdue fine in the money time limit, go to step S513.
The blocked funds of S511, silver letter card correspondence of transferring is to capital management account.
S512, by the promise breaking recording synchronism of the first participant to capital management credit investigation system, reduce the credit level of the first participant.
Particularly, this step is passed through the promise breaking recording synchronism of the first participant to capital management credit investigation system, draw in credit blacklist can to the upper credit stain of the first participant note, make that the first participant is follow-up cannot use the accrediting amount, thus improve the penalty cost of the first participant further.
S513, process ends.
In the embodiment of the present invention, on the basis of above-described embodiment five, alleviated the short-term capital pressure of the first participant by serial function.In addition, increase and urge overdue fine in the money time limit, and after the first participant promise breaking, reduce credit level make it follow-uply cannot use the accrediting amount, thus improve the penalty cost of the first participant further, reduce financial risks.
Embodiment six
As shown in Figure 6, embodiments provide a kind of capital loan transaction system, this system comprises with lower module: be positioned at the request module 101 of opening L/C of the second terminal 10, be positioned at the processing module 201, second of opening L/C of the second capital management server 20 and receive the lending processing module 301, first of borrowing processing module 202 and the second Treatment for Default module 203 and being positioned at the first capital management server 30 and receive and borrow processing module 302 and the first Treatment for Default module 303.
To open L/C request module 101, for sending the request of opening silver letter card to the second capital management server.
To open L/C processing module 201, open silver letter card using the second participant account fund or the accrediting amount as guaranty money for the second capital management server, and silver letter card is sent to the first capital management server at the first participant place.
Lending processing module 301, for providing the loan fund of corresponding amount to the first participant according to silver letter card.
First receives loan processing module 302, if the refund for receiving the first participant, sends refund notice to the second capital management server.
Second receives loan processing module 202, for the blocked funds that the silver letter card that thaws according to the refund amount of money is corresponding.
First Treatment for Default module 303, if for exceed default urge the money time limit after do not receive residue and refund, send default notice to the second capital management server.
Second Treatment for Default module 203, if for exceed default urge the money time limit after do not receive residue and refund, residue blocked funds corresponding to silver letter card of transferring is to the first capital management account.
Refer to Fig. 7, as a kind of preferred version, this system also comprise be positioned at the first capital management server urge money mould 304, installment reimbursement module 305 and the first credit management module 306 and be positioned at second capital management service replacement refund module 204, second credit management module 205, first distribution of interests module 206 and the second distribution of interests module 207.Wherein:
Urge money mould 304, for exceed when the first capital management server default repayment period do not receive residue refund after, preset urge in the money time limit, to first participant recall loan.
Installment reimbursement module 305, does not receive after residue refunds for exceeding default repayment period when the first capital management server, whether is ready installment reimbursement to the first participant inquiry; If the feedback of the first participant is ready then to start installment reimbursement flow process by installment reimbursement.
First credit management module 306, if for the first capital management server exceed default urge the money time limit after do not receive residue and refund, by the promise breaking recording synchronism of the first participant to capital management credit investigation system, and reduce the credit level of the first participant.
Replacing refund module 204, if receive for the first capital management server the notice that the second participant replaces the first participant to refund, transferring blocked funds corresponding to silver letter card to capital management account according to replacing the refund amount of money.
Second credit management module 205, if for the second capital management server receive the second participant replace first participant refund notice, improve the credit level of the second participant.
Distribution of interests module 206, if for receiving the refund of the first participant in the repayment period preset, by the rule preset in the second participant account and the first capital management account floated loan interest and interest on deposit; If also for receiving the refund of urging in the money time limit that the first participant is being preset, by the rule preset at the second participant account and the first capital management account floated loan interest, interest on deposit and overdue fine.
It should be noted that, the technical characteristic in said method embodiment one, embodiment two and embodiment three is all corresponding applicable at this device, no longer repeats here.
The embodiment of the present invention by introduce silver letter card, make institutions managing funds come true on lender, data processing is safer, quick.Can default risk be reduced by introducing silver letter card, not affecting the acquisition of the second participant interest on deposit simultaneously, also maintaining the interests of the second participant.And in the situation that the first participant is broken a contract, institutions managing funds is repaid according to the blocked funds of silver letter card, the security of energy loan on guarantee fund.In addition, when the first participant is unable all repay the loan, allow the first participant installment reimbursement, and allow the second participant help first participant repay residue refund, make mode of satisfaction more flexible and user-friendly.Because institutions managing funds is actual lender, undertaken urging money by institutions managing funds when the first participant promise breaking, have fright effect to violations, reduce default risk, maintain the interests of the second participant.In addition, also by introducing reference function, when the first participant insolvency residue is refunded, and by the second participant helped the first participant to repay residue refund time, reduce the credit rating of the first participant, thus increase the penalty cost of the first participant, reduce default risk, safeguard the interests of the second participant and obligee further.Therefore, there is industrial applicibility.
Embodiment seven
As shown in Figure 8, the embodiment of the present invention is that same capital management server (claiming capital management server) is described for the first capital management server and the second capital management server.This capital loan transaction system is applied to capital management server, and this system comprises lending processing module 401, refund processing module 402 and Treatment for Default module 403.In certain embodiments, can also comprise and urge money module 404, installment reimbursement module 405, replacement refund module 406 and distribution of interests module 407.
Lending processing module 401, after receiving the silver letter card opened by described capital management server through the second participant application, to provide the loan fund of corresponding amount to the first participant according to silver letter card.
Refund processing module 402, if the refund for receiving the first participant, the blocked funds of silver letter card correspondence of thawing according to the refund amount of money.
Treatment for Default module 403, if for exceed default urge the money time limit after do not receive residue and refund, residue blocked funds corresponding to silver letter card of transferring is to capital management account.
Wherein, silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the 3rd capital management server application and by the 3rd capital management server by the second participant.
Urge money module 404, for when exceeding after default repayment period do not receive, urging in the money time limit presetting, providing a loan to the recall of capital management first participant.
Whether installment reimbursement module 405, for when exceeding after default repayment period do not receive, be ready installment reimbursement to the first participant inquiry; If the feedback of the first participant is ready then to start installment reimbursement flow process by installment reimbursement.
Replacing refund module 406, if for receiving the notice that capital management second participant replaces capital management first participant to refund, managing blocked funds corresponding to silver letter card to capital management account according to replacing refund amount of money allotted fund.
Distribution of interests module 407, for: if receive the refund of capital management first participant in the repayment period preset, by the rule preset in capital management second participant account and capital management floated loan interest and interest on deposit; If receive the refund of urging in the money time limit that capital management first participant is being preset, by the rule preset at capital management second participant account and capital management floated loan interest, interest on deposit and overdue fine.
It should be noted that, the technical characteristic in said method embodiment four and embodiment five is suitable for this device is all corresponding, no longer repeats here.
One of ordinary skill in the art will appreciate that all or part of step realized in above-described embodiment method is that the hardware that can control to be correlated with by program completes, described program can be stored in a computer read/write memory medium, described storage medium, as ROM/RAM, disk, CD etc.
Above with reference to the accompanying drawings of the preferred embodiments of the present invention, not thereby limit to interest field of the present invention.Those skilled in the art do not depart from the scope and spirit of the present invention, and multiple flexible program can be had to realize the present invention, and the feature such as an embodiment can be used for another embodiment and obtains another embodiment.All use do within technical conceive of the present invention any amendment, equivalently replace and improve, all should within interest field of the present invention.
Claims (12)
1. a capital loan method of commerce, is characterized in that, the method comprises the following steps:
Second participant sends the request of opening silver letter card to the second capital management server;
Second capital management server opens silver letter card using the second participant account fund or the accrediting amount as guaranty money, and described silver letter card is sent to the first capital management server at the first participant place;
Described first capital management server provides the loan fund of corresponding amount to the first participant according to described silver letter card;
If the first capital management server receives the refund of described first participant, then to described second capital management server send refund notice, described second capital management server according to the refund amount of money thaw described silver letter card corresponding blocked funds;
If the first capital management server exceed default urge the money time limit after do not receive residue and refund, then send default notice to described second capital management server, described second capital management server transfers residue blocked funds corresponding to described silver letter card to the first capital management account.
2. capital loan method of commerce according to claim 1, is characterized in that:
The refund of described first participant that described first capital management server receives comprises: the in full refund of the first participant in default repayment period, the partial payment of described first participant in default repayment period, the residue of described first participant in default repayment period is refunded, the refund in full of urging in the money time limit that described first participant is being preset, the partial payment of urging in the money time limit that described first participant is being preset, and/or the residue in the money time limit of urging that described first participant is being preset is refunded,
Wherein, the amount of money of described refund in full comprises loan fund and loan interest, and the amount of money of described partial payment is whole loan interest and part loan fund sum.
3. capital loan method of commerce according to claim 1, is characterized in that, the method also comprises:
When described first capital management server exceed default repayment period do not receive residue refund after, preset urge in the money time limit to described first participant recall loan.
4. capital loan method of commerce according to claim 1, is characterized in that, the method also comprises:
Do not receive pay off after loan fund residue refunds when described first capital management server exceedes default repayment period, whether be ready installment reimbursement to the first participant inquiry; If the feedback of the first participant is ready then to start installment reimbursement flow process by installment reimbursement.
5. capital loan method of commerce according to claim 1, is characterized in that, the method also comprises:
If the second capital management server receives the notice that described second participant replaces described first participant to refund, according to replacing the refund amount of money to transfer blocked funds corresponding to described silver letter card to the first capital management account, and improve the credit level of described second participant.
6. capital loan method of commerce according to claim 5, is characterized in that, described second participant replaces the refund of described first participant to comprise further:
Replace described first participant to pay off in default repayment period fully refunding, replace the first participant to repay partial payment in the repayment period preset, residue is refunded, replaces described first participant to pay off urging in the money time limit of presetting fully refunding, replaced the first participant to repay partial payment urging in the money time limit of presetting, urging in the money time limit of replacing the first participant to preset repays residue refund to replace the first participant to repay in default repayment period;
Wherein, the amount of money of described refund in full comprises loan fund and loan interest, and the amount of money of described partial payment is whole loan interest and part loan fund sum.
7. capital loan method of commerce according to claim 1, is characterized in that, the method also comprises:
If the first capital management server exceed default urge the money time limit after do not receive residue and refund, by the promise breaking recording synchronism of the first participant to capital management credit investigation system, and reduce the credit level of described first participant.
8. debt-credit method of commerce according to claim 1, is characterized in that, the method also comprises:
If receive the refund of described first participant in the repayment period preset, by the rule preset in described second participant account and described first capital management account floated loan interest and interest on deposit;
If receive the refund of urging in the money time limit that described first participant is being preset, by the rule preset at described second participant account and described first capital management account floated loan interest, interest on deposit and overdue fine.
9. the debt-credit method of commerce according to claim 1-8 any one claim, is characterized in that, described first capital management server and described second capital management server are same capital management server or different capital management servers.
10. a capital loan method of commerce, be applied to capital management server, it is characterized in that, the method comprises the following steps:
After receiving the silver letter card opened by described capital management server through the second participant application, provide the loan fund of corresponding amount to described first participant according to described silver letter card;
If receive the refund of described first participant, the blocked funds of described silver letter card correspondence of thawing according to the refund amount of money;
If exceed default urge the money time limit after do not receive residue and refund, residue blocked funds corresponding to described silver letter card of transferring is to capital management account;
Wherein, described silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to the application of described capital management server and by described capital management server by the second participant.
11. 1 kinds of capital loan transaction systems, it is characterized in that, this system comprises with lower module: be positioned at the request module of opening L/C of the second terminal, be positioned at the processing module of opening L/C of the second capital management server, second receive the lending processing module, first of borrowing processing module and the second Treatment for Default module and being positioned at the first capital management server and receive and borrow processing module and the first Treatment for Default module, wherein:
Described request module of opening L/C, for sending the request of opening silver letter card to the second capital management server;
Described processing module of opening L/C, opens silver letter card using the second participant account fund or the accrediting amount as guaranty money for the second capital management server, and described silver letter card is sent to the first capital management server at the first participant place;
Described lending processing module, for providing the loan fund of corresponding amount to the first participant according to described silver letter card;
Described first receives loan processing module, if the refund for receiving described first participant, sends refund notice to described second capital management server;
Described second receives loan processing module, for the blocked funds that the described silver letter card that thaws according to the refund amount of money is corresponding;
Described first Treatment for Default module, if for exceed default urge the money time limit after do not receive residue and refund, send default notice to described second capital management server;
Described second Treatment for Default module, if for exceed default urge the money time limit after do not receive residue and refund, residue blocked funds corresponding to described silver letter card of transferring is to the first capital management account.
12. 1 kinds of capital loan transaction systems, are applied to capital management server, it is characterized in that, this system comprises with lower module:
Lending processing module, after receiving the silver letter card opened by described capital management server through the second participant application, to provide the loan fund of corresponding amount to described first participant according to described silver letter card;
Refund processing module, if the refund for receiving described first participant, the blocked funds of described silver letter card correspondence of thawing according to the refund amount of money;
Treatment for Default module, if for exceed default urge the money time limit after do not receive residue and refund, residue blocked funds corresponding to described silver letter card of transferring is to capital management account;
Wherein, described silver letter card is the electronics acceptance and guarantee voucher opened using its account fund or the accrediting amount as guaranty money to described 3rd capital management server application and by described 3rd capital management server by the second participant.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510287592.4A CN104899783A (en) | 2015-05-29 | 2015-05-29 | Fund debit/credit transaction method and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510287592.4A CN104899783A (en) | 2015-05-29 | 2015-05-29 | Fund debit/credit transaction method and system |
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| CN104899783A true CN104899783A (en) | 2015-09-09 |
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| CN201510287592.4A Pending CN104899783A (en) | 2015-05-29 | 2015-05-29 | Fund debit/credit transaction method and system |
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Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105512891A (en) * | 2015-12-11 | 2016-04-20 | 常州众筹电子商务有限公司 | Control service platform and method |
| WO2016191970A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method and lending system |
| WO2016191971A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Repayment processing method and system |
| WO2016191978A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Funds lending transaction method and system |
| CN107123051A (en) * | 2016-02-25 | 2017-09-01 | 阿里巴巴集团控股有限公司 | The synchronous method and device of a kind of resource |
| CN107239865A (en) * | 2016-03-28 | 2017-10-10 | 阿里巴巴集团控股有限公司 | A kind of dispatching method of internet information resource, device and system |
| CN108830708A (en) * | 2018-06-28 | 2018-11-16 | 深圳市有钱科技有限公司 | A kind of fund shared system based on immediate communication tool |
| CN109727115A (en) * | 2018-05-18 | 2019-05-07 | 深圳壹账通智能科技有限公司 | Credit handles method, apparatus, equipment and readable storage medium storing program for executing |
| CN110796551A (en) * | 2019-09-26 | 2020-02-14 | 北京你财富计算机科技有限公司 | Automatic control method, device and system for fund management |
| CN111669341A (en) * | 2016-08-30 | 2020-09-15 | 阿里巴巴集团控股有限公司 | Internet resource scheduling method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2016191970A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method and lending system |
| WO2016191971A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Repayment processing method and system |
| WO2016191978A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Funds lending transaction method and system |
| CN105512891A (en) * | 2015-12-11 | 2016-04-20 | 常州众筹电子商务有限公司 | Control service platform and method |
| CN107123051B (en) * | 2016-02-25 | 2020-09-04 | 阿里巴巴集团控股有限公司 | Resource synchronization method and device |
| CN107123051A (en) * | 2016-02-25 | 2017-09-01 | 阿里巴巴集团控股有限公司 | The synchronous method and device of a kind of resource |
| CN107239865A (en) * | 2016-03-28 | 2017-10-10 | 阿里巴巴集团控股有限公司 | A kind of dispatching method of internet information resource, device and system |
| CN107239865B (en) * | 2016-03-28 | 2020-12-22 | 创新先进技术有限公司 | Method, device and system for scheduling internet information resources |
| CN111669341A (en) * | 2016-08-30 | 2020-09-15 | 阿里巴巴集团控股有限公司 | Internet resource scheduling method and device |
| CN111669341B (en) * | 2016-08-30 | 2024-03-15 | 创新先进技术有限公司 | Internet resource scheduling method and device |
| CN109727115A (en) * | 2018-05-18 | 2019-05-07 | 深圳壹账通智能科技有限公司 | Credit handles method, apparatus, equipment and readable storage medium storing program for executing |
| CN108830708A (en) * | 2018-06-28 | 2018-11-16 | 深圳市有钱科技有限公司 | A kind of fund shared system based on immediate communication tool |
| CN110796551A (en) * | 2019-09-26 | 2020-02-14 | 北京你财富计算机科技有限公司 | Automatic control method, device and system for fund management |
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