CN101452554A - Network effect credit expanded system and method - Google Patents
Network effect credit expanded system and method Download PDFInfo
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- CN101452554A CN101452554A CNA2007101952083A CN200710195208A CN101452554A CN 101452554 A CN101452554 A CN 101452554A CN A2007101952083 A CNA2007101952083 A CN A2007101952083A CN 200710195208 A CN200710195208 A CN 200710195208A CN 101452554 A CN101452554 A CN 101452554A
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Abstract
The invention relates to a credit system and a method thereof for network effect credit extension, is applied in the field of financial e-commerce, and aims to construct a credit system by Internet technology, wherein a credit party does not need to lower credit standards, to make a loan demander acquire loan limit more quickly compared with the prior credit mode. The method uses the credit system for the network effect credit extension as a main body. The system applies for a credit extension combination of a credit extension awarded member and a credit extension receiving member, carries out calculation, awarding, real-time monitoring and data updating of a total credit extension limit and liquidation of credit extension limit, and finally calculates, receives and gives out credit extension service charge and credit extension promised benefits, so as to realize the method for the credit extension credit. When the system is operated, the loan demand of the credit extension receiving member can be met at the quickest speed, while credit change conditions of the credit extension awarded member are monitored and updated in real time, and the credit extension awarded member can acquire promised benefits.
Description
Technical field
The present invention relates to utilize the decentralization, network effects of the Internet and the direct efficiency of finance, and the mode that the manpower that financial world adopts that breaks traditions is levied credit provides the member credit investigation system and the method for real-time credit extension.System of the present invention is to use the credit investigation system of the Internet construction one credit extension, utilize credit to extend composite module, the real-time control module of risk, the notion and the fund gold that are aided with network effects flow through journey, and making the credit extension accept the member is not needing to obtain the fund that desire is borrowed under the united credit verification system that wastes time and energy through bank.
Background technology
Deposit the money business is one of main profit source of bank always, and whether bank's assessment lends the client is utilized the mode of reference to finish.In general, in the flow process of reference, need examine client's related data and require the client to come to sales counter personally via the reference personnel of bank and handle relevant formality, then also need to upload client's relevant information by the inquiry system of the professional credit information service in outside, outstanding message returns to after the bank, the affirmation that may need carry out data again step of going forward side by side uploads information and gives superior unit, repeats constantly to carry out that credit is commented to wait operation, and then obtains the report of needed reference.Therefore, the problem of traditional reference operating process maximum is to use too much manpower, produces unavoidable reference cost, the simultaneously very long running time, be easy to generate empty window phase of reference, and cause to exceed the heavy losses of putting.Therefore, how to construct the complete credit investigation system of a cover, reflect the financial operational requirements in network technology epoch, craned one by financial world and look forward to.
Along with technique of internet develops apace, the various effects that the Internet produced have been shaken financial industry now.So far, the impact that each bank also brings in response to network effects, the numerous and confused bank that sets up electronization is in the hope of replacing the operation of traditional money business of depositing and reference.Yet Dian Zihua bank can't fully carry out the reference operation or deposit the money business on the network platform now.Even the connection reference of outside professional credit information service has been the product of network electronic under the epoch with inquiry system, but, still can't reach network operating mechanism completely.
" Method and computer networkfor coordinating a loan over the internet (in computer network and the method for coordinating loan on the Internet) " of United States Patent (USP) numbering US63885594B1 offer the user a kind of fast and can be in a large number to the methods of bank and other capital loan mechanism application credit line.This method is the applicant selects the desire application earlier in web-page interface according to the intended use of the loan (as: housing loan, car are borrowed or student loan) a project, then fill in the application related data, applicant's data can be uploaded to qualified debt-credit financial institution and be handed over to credit information service's (as: connection is levied the center) then, screen to carry out more detailed data, and confirm whether pass through this application case.Compared to traditional reference form, though this patent utilizes computerized screening process to save the time of many applys for loan.But, still via the professional credit information service in outside, to finish the reference operation.Therefore, this patent still can't escape the stereotype of tradition reference system.
United States Patent (USP) numbering US7133935B2 " System and methodfor real-timeelectronic inquiry; delivery and reporting of credit information (system and method for real-time electronic inquiry, transmission and report credit information) " uses the cipher mode of 128SSL to transmit creditor's credit information, prevents that money-lender's privacy data from leaking.Simultaneously, this patent is by the Internet-delivered application reference data, and the reference result with credit information service's passback presents to simplify unified format again.Though the form that this patent application safety is encrypted ensures creditor's privacy, and utilize network to save the time of reference operation, but this patent still needs to have access to by credit information service money-lender's credit information, even therefore introduced the notion of safety encipher, still can't avoid the restriction of central credit information service, reach the pattern of direct reference on network foundation.Therefore, this technology has its limitation really.
In addition, United States Patent (USP) numbering US6088686A " System and method toperforming on-line credit reviews and approvals (online execution credit is checked and the system and method for approval) " is on the basis of computing machine science and technology, data review, the credit standing assessment of being correlated with at the client of desire loan and examine it and the contact situation of financial institution.This patent is desired to be built on the computing machine powerful operation capacity to replace traditional credit information service, but this patent only can provide the credit standing report and the reference result of client's static state, and can't be applied in a flexible way, even be aided with a dynamic effect analysis at this client's credit line.In other words, though this patent has feasibility, it is desirable not to the utmost studying carefully it expansionary.
Though above-mentioned preceding two parts of patents all are to utilize network as media, and acceleration reference method of operating is provided, but still need cause under directly financial means, to finish the reference operation via the examination of the professional credit information service in outside.In addition,, last a patent operates to finish reference though using a computer in a large number, yet, only can obtain static reference report.Therefore, the present invention is directed to above-mentioned problem, proposed the System and method for of a cover innovation, the utilization network effects, the restriction of escape tradition reference high concentration, and the notion that credit is extended is proposed, set up the credit investigation system that the credit under a kind of network foundation is extended.
Summary of the invention
Fundamental purpose of the present invention is as follows:
1. the financial world that breaks traditions takes manpower to levy the mode of credit: traditional reference process is that bank uses money applicant individual basic document and has access to applicant's cash in bank record in the past to united credit verification; In addition, as applying for being the underwriter, the underwriter must accept the reference of bank too.Above-mentioned reference operating process need expend sizable reference cost and time cost, and the present invention is with the Internet construction one cover e-commerce system device, make credit extend to accept the member and used this system to reach the purpose of reference, or make the underwriter obtain credit extending and authorize membership and need not be subjected to existing reference operation need come to bank personally or entrust the inconvenience of outside professional credit information service operation and restriction that the time is expended.
2. the present invention utilizes network effects to reach the purpose that credit is extended: under the influence of network effects, because the convenience of the network information and real-time, native system can calculate the credit of authorizing the member and extend amount and then extension and give credit and extend and accept the member, form a credit and extend network, set up the purpose that network credit is extended credit investigation system to reach.
3. the characteristic of utilization the Internet reaches the purpose of decentralization: traditionally, the reference mechanism of whole financial circles all is high concentrationization, that is to say that most reference operation all is to follow the system of central office to carry out.But, the characteristic of network is not have clear and definite center, does not also have borderline restriction.Therefore, the objective of the invention is to use the characteristic of network decentralization, create credit is extended under the network technology effect and directly financial reference system.
4. the objective of the invention is to create credit extends and to authorize the member and guarantee income: traditionally, mass society masses are based on kith and kin's relation or other relations, and major part is not collected any expense and is ready to become the guarantor.Yet, the objective of the invention is to set up a brand-new reference operating system, and on the basis of the network technology, be aided with the notion that credit is extended, make credit extension authorize the member and under native system, accept the member because of the credit extension, and the assurance income that acquisition had both got.
5. the efficiency of utilization the Internet is set up the dynamic risk control-management system: credit extends that credit standing, the credit accept the member and to authorize the member are commented etc., credit line all can be subjected to the influence of macroeconomy environment and time and change.The present invention's static reference flow process and operating system that bank or other financial institution take that breaks traditions is set up the real-time dynamic risk control-management system of a cover on the basis of the Internet, extend the dirigibility of member on the reference operating process to promote credit.
6. the objective of the invention is to traditional credit investigation system granular: for a long time, the operation of the reference of bank or financial institution all is according to centralized reference operation mechanism.And the present invention uses network effects, with traditional cutting of reference operating system and granular, makes each self-forming credit of this platform participant extend network, reaches the credit investigation system that the online credit under the network foundation is extended.
7. the object of the present invention is to provide the operation of real-time reference: the advantage of network effects is that it has broken the restriction of the time and space.In general, reference operation is the restriction on free, can't apply for the reference operation whenever and wherever possible, and need levy center complete operation program by connection equally.Yet the present invention utilizes the running of the network technology by network and plateform system, and the credit investigation system that allows member and this credit extend is contacted directly, and changes the restriction in traditional reference running time and space, facilitates the invention of a real-time reference operation.
For achieving the above object, the credit investigation system that the present invention will construction one network effects credit be extended in the funds transaction platform.Native system has a server, with methods such as the Internet, wire communication device, wireless communication apparatus, be connected with the external users of system by user's interface, described server receive the information that the user provided (as application, amount calculate, guarantee provides etc.), and these information are transferred to operations such as each module is analyzed, computing, pairing immediately, each module deposits operating result in database for other module, server and user's access.The server of native system further comprises with lower module:
Credit is extended combination application module: extend combination by user's interface to system's application establishment credit by plural applicant, this module is carried out applicant's analysis comparison, to confirm that whether checking and approving establishment credit extends combination;
Credit is extended amount and is calculated and authorize module: after credit is extended the combination establishment, this module is promptly calculated and is desired to become the credit extension amount that the member is authorized in the credit extension, and the calculating member increases the gage amount of putting forward, if this member accepts this result of calculation, then this module is promptly authorized this member this credit extension amount;
The real-time control module of risk: this module acquisition credit is extended amount and is calculated and authorize total credit extension amount data that module is calculated, compare this credit and extend the personal information of authorizing the member, the amount and the gage state of the interior accumulation of platform, upgrade credit with real-time (real-time) and extend total credit extension amount of authorizing the member;
Credit is extended amount clearance module: credit is extended and is authorized member and credit to extend the amount swap status of accepting between the member be real-time, and this module is extended amount change situation in order to real-time clearance both sides' amount data to determine real-time credit;
Credit is extended income calculation and authorized module: this module is extended and is accepted required the paying to the credit of native system of member and extend service fee and give credit and extend the credit of authorizing the member and extend and guarantee income in order to calculate credit, and carries out collecting and authorizing of this.
The invention provides the reference method that a kind of network effects credit is extended.This method provide desire to obtain levy the accrediting amount with the member that participates in the funds transaction platform in more efficient and low-cost mode, finish the reference step of platform pre action, and further improving the whole transaction size of this platform, this method may further comprise the steps: a credit is extended the combination procedure to apply; One credit is extended amount and is calculated and authorize step; The real-time keyholed back plate step of one risk; One credit is extended amount clearance step; One credit is extended income calculation and is authorized step.This method is accepted to desire to become the credit extension and is authorized the member and desire to become the application that credit is extended the credit extension combination of accepting the member, carry out calculating that total credit extends amount, authorize, monitoring in real time, data updating and credit extends the clearance of amount, and calculate, collect and authorize credit and extend service fee and credit extension assurance income, to finish the system of institute of the present invention construction.
Description of drawings
Fig. 1 is the credit investigation system figure that network effects credit of the present invention is extended.
Fig. 2 is that the present invention sets up the embodiment process flow diagram that credit is extended combination.
Fig. 3 is that credit of the present invention is extended service fee and credit is extended the process flow diagram of collecting that guarantees income.
Embodiment
For the present invention can specifically be implemented, below special embodiment is described in detail, and is enumerated preferable specific embodiment and be described as follows:
Fig. 1 is the credit investigation system figure that network effects credit of the present invention is extended, and please refer to shown in Figure 1.There is a server 104 in this system 102, this server is by network, wired and wireless communication mode,, be connected with server with devices such as computing machine, mobile phone, PDA(Personal Digital Assistant), voice call and the networking telephones for user 101 by user's interface 103; Server also is connected with it simultaneously, and this server carries out security information exchange in real time by communication network, wire communication device, wireless communication apparatus and member; Described server also is connected with database 110 and each module, the database under data, information and result are deposited in respectively.This server of the credit investigation system that this network effects credit is extended further comprises with lower module:
Credit is extended combination application module 105: extend combination by user's interface 103 to system's application establishment credit by plural user, this module is carried out applicant's analysis comparison, to confirm that whether checking and approving establishment credit extends combination;
Credit is extended amount and calculated and authorize module 106: credit is extended after combination sets up, and this module is promptly calculated and desired to become credit and extend that the credit of authorizing the member is extended amount and the member increases the gage amount of putting forward, and total credit of calculating this member is extended amount.If this member accepts this result of calculation, then this module is promptly authorized this member this credit extension amount;
The real-time control module 107 of risk: this module acquisition credit is extended amount and is calculated and authorize total credit extension amount data that module 106 is calculated, compare this credit and extend the amount and the gage state of accumulation in the personal information of authorizing the member, the platform, adjust in real time and upgrade credit and extend total credit of authorizing the member and extend amount;
Credit is extended amount clearance module 108: credit is extended and is authorized member and credit to extend the amount swap status of accepting between the member be a real time data, this module is in order to real-time clearance two sides' amount, determining real-time amount transition cases, and the result is gone back to deposit data storehouse 110 for server, other module and user's acquisition;
Credit is extended income calculation and authorized module 109: this module is extended the required credit extension composite services expense of giving native system of member of accepting in order to calculate credit, and give credit and extend the credit extension assurance income of authorizing the member, and carry out collecting and authorizing of this.
Fig. 2 is that the present invention sets up the embodiment process flow diagram that credit is extended combination, please refer to shown in Figure 2.Set up credit and extend combination (201) by desiring to obtain the user that credit extends the user of amount (be credit extend accept the member) and be ready to provide credit to extend amount (be credit extend authorize the member) co-applications, system is at this moment according to desiring to obtain the borrowing demand data that credit is extended the user of amount, calculate its required credit and extend amount (202), then system calculates and desires to become credit and extend and authorize the existing credit of member and extend amount (203), extending in this credit that amount calculates and authorize module 106 will be from database 110 these members' of acquisition capital data and reference data to judge its original credit line, add the deposit of this member in the funds transaction platform, calculate its credit and extend amount, reach and desire to become credit and extend the demand that the member proposes of accepting if credit is extended amount, then credit is extended combination establishment (204), if it is not enough, system will inquire that desiring to become credit extends the member who authorizes and whether carry out credit and extend and strengthen (205), if do not strengthen, then credit extension combination can't be set up (206), strengthen if select, then this member must increase and carries gage (207), the credit of system is extended amount and is calculated and authorize module 106 to carry out the calculating (208) that total credit extends amount (be the credit line of member own, the summation of platform deposit amount and gage amount), so desire to become the demand that credit is extended member's proposition of accepting if reach, then credit is extended combination establishment (210), if it is still not enough, show that on user's interface whether carrying out credit extends the inquiry of strengthening, whether then desire to become credit extends the member who authorizes and can select to continue to increase and carry gage (209), carry (207) if continue to increase, then proceed to calculate (208), if do not increase and carry, this credit is extended combination still can't set up (206).
Fig. 3 is that credit of the present invention is extended service fee and credit is extended the process flow diagram of collecting that guarantees income, please refer to shown in Figure 3.Credit is extended combination and is set up (301) afterwards, and the credit of system is extended income calculation and authorized module 109 and calculate credit immediately and extend and accept required the paying to the credit of system side of member and extend the composite services expense, and collects (302) to this member.Credit extend accept that the member is smooth and must mark and obtain loaning bill after, credit is extended income calculation and is authorized module 109 and promptly calculate this member and must pay and extend the credit of authorizing the member to credit and extend and guarantee income (303), system promptly accepts the member to the credit extension and collects this income (304), and promptly appropriates this income and authorize the member (305) to extension.
Below especially exemplified by two examples, concrete execution way of the present invention is described according to this.
Embodiment one
Will chants that disposition is indefinite at an early age, does not often change jobs because of interest conforms to more.Being absorbed in coloured glaze afterwards makes, make in order to learn coloured glaze whole-heartedly, will is chanted and is planned to resign original work, but the apprentice had only 20,000 yuan of meagre wages to lead in every month, after inspecting existing every monthly expenses and having troubles, if find that being dependent on meagre apprentice's salary makes a living, after 8,000 yuan of rent of deduction and water power, the transportation expenses, board expenses will remain little.The only strange inversion frequency of working before own is too high, so that does not have enough savings to support the life goal of own pursuit.In the face of this awkward situation, to borrow the circulation interest rate up to 19.71% credit card straight loan to bank though will is chanted moving thought, but worry oneself to become the card slave.
Will is chanted and have to be begged sedate eldest brother's help as the little person in charge of enterprise, individual character.Eldest brother sees that its enthusiasm differs from the past, thereby heart life helps the thought of his a helping hand, yet, eldest brother takes on the pressure of heavy housing loan of load and two sons, two women tuition fees, real no enough idle cashes can be subsidized will and be chanted, and not think that should directly subsidize the will of spending the thirty years of age chants, just at this moment, learn the network bidding platform that he added last year, release the new-type reference method with " credit investigation system and method that network effects credit is extended " institute's construction again: old member can become the credit extension and authorize the member, the recruit borrows money with its credit line guarantee, making the recruit of much-needed money become credit extends and accepts the member, under the situation of credit line deficiency, borrow with respect to the more cheap fund of general bank straight loan, and because the treasury trade data between old member and platform is deposited in platform database already, both tendered guarantee by old member, plateform system just can promptly capture credit information, calculates the guarantee amount, makes nuclear loan process efficient again fast.So the eldest brother that will is chanted joyfully determines to serve as the guarantor that will is chanted, that is the member is authorized in the credit extension that will is chanted, money-lender under allowing will chant becomes " credit investigation system and method that network effects credit is extended ", oneself is faced responsibly and refunds, and avoids the evil of the dear money of straight loan on the market.
So, will chant application add mark can platform, obtain membership by audit after, together apply to become credit with eldest brother and extend combination.Two people import Member Information and will is chanted estimated borrowing demand 300,000 yuan with the refund amount of money 5 that can bear for following each issue, after 000 yuan, borrowing demand data that system chants according to will and Financial Information calculate required credit, and to extend amount be 360,000 yuan, afterwards system-computed extend as credit authorize the member eldest brother in the deposit amount 76 of platform accumulation, 400 yuan and credit line 250, after 000 yuan, it is 326 that the existing total credit of system prompt is extended amount, 400 yuan, can't assure the borrowing demand that will is chanted fully, so eldest brother provides oneself plot under one's name as guarantee again, after audit, total credit is extended amount and is surpassed 360,000 yuan, chants and extends combination with eldest brother's credit and set up so system checks and approves will.
After aforementioned operation is finished, system chants to will and collects the millesimal credit extension of credit extension amount composite services expense 360 yuan (360,000 * 0.001=360), system will be wherein 50%, that is 180 yuan, dial and to give eldest brother and serve as underwriter's bonus as it, afterwards, system chants will to import and can make up by 5000 yuan, 72 months by a definite date mark of money in every month.First month, will is chanted and is lost a bid, so deposit 4 in, 360 yuan, at this moment, the credit extension amount that the real-time control function of the risk of system is chanted will required and eldest brother institute and must be provided comes down to 355,640 yuan (360,000-4,360=355,640), second and third, four months will chants still and loses a bid, can money 4,400 yuan, 4 so deposit in successively, 420 yuan, 4,380 yuan.Because the recipient is required for the keyholed back plate credit extension at any time of the real-time control function of risk of system, and credit is extended the credit extension amount that conferrer institute must provide, therefore when finishing in four month, will is chanted and made up required credit extension amount with this credit extension of eldest brother is 342,440 yuan (360,000-4,360-4,400-4,420-4,380=342,440), when five month will chant in platform with 610 yuan of standard gold timestamp, take altogether standard gold 314,130 yuan (5,000 * 4+ (5,000-610) * 67=314,130), system calculate in view of the above will chant the credit employed extend amount be 294,130 yuan (314,130-5,000 * 4=294,130) and Ying Xiangzhi to chant the money of collecting that guarantees be 2,941 yuan of (294,130 * 1% ≈ 2,941) chant to pay, and in will and will guarantee that income appropriates credit and extend and authorize the eldest brother that member-will is chanted after guaranteeing money.
In this transaction, will is chanted because of eldest brother's guarantee and is borrowed the fund more cheap with respect to general loan without security; And eldest brother extends the mode indirect financing will authorize the member and chants to serve as credit, will is chanted in the debtor who becomes platform legally have to work hard to repay the platform loan, reduces and directly borrows or lends money issuable loss between kith and kin; With regard to platform Fang Eryan, the guaranteed loan of credit investigation system of the present invention institute construction more can effectively be guaranteed the credits interests, avoids bearing the gloomy recovery of unsecured account below 8/1000ths that other bank faces.Therefore the present invention successfully creates the situation of borrower, guarantor and platform Fang Sanying.
Embodiment two
The funds transaction platform is one of tool for managing money matters of Yu Wen always.A few days ago, her niece finds out state and studies abroad, but only apply for the external scholarship of every month 1/4th payment volume, do not apply and use, want to apply for studying abroad loan, but can not find suitable underwriter, niece learns that the funds transaction platform just adopts " credit investigation system and method that network effects credit is extended ", so long as can using the credit line of self to become the credit extension, funds transaction platform member authorizes the member, kith and kin's (member is accepted in the credit extension) guarantee of credit line deficiency is provided, make it fast and successfully borrow the fund more cheap with respect to straight loan at the funds transaction platform, credit is extended and is authorized the member and then therefore obtain the assurance income calculated according to the amount of the loan 1%.
Niece and Yu Wen interview are wished to tender guarantee for oneself, and Yu Wen recalls niece one to of good character and fine scholarship, since confident to niece, can collect the assurance income again, so consent readily, two people apply to become credit immediately and extend combination.System was according to 1,200,000 yuan of niece's the borrowing demand and the refund time limit 14 years, calculating required credit extension amount is 1,680,000 yuan, every funds transaction combination that system-computed Yu Wen participated in, the credit extension amount that draws Yu Wen is 11,000,000 yuan, foot applies and uses, increase the step of carrying gage and exempted, credit is extended combination and is set up.System collects credit to niece extends the credit of amount 2/1000ths and extends 3,360 yuan of expenses of composite services (1,680,000 * 0.002=3,360), and will be wherein 50%, that is 1,680 yuan dialled and give Yu Wen as the guarantee bonus.Niece's competitive bidding success after 12 days, receive 1,235,000 yuan of standard gold, at this moment, the credit that system employs according to niece is extended the extension of 1,235,000 yuan of calculating of amount credit and is guaranteed that income is 12,350 yuan (1,235,000 * 1%=12,350), system appropriates Yu Wen after niece collects this fund.
Yu Wen promptly is concerned about initiatively that since then the central individual character of kith and kin is diligent upwards, character is good but the family financial situation gastrointestinal disease patient, in case learn the other side demand for loan is arranged, promptly serve as its credit extension voluntarily and authorize the member, kith and kin have not only been looked after, make it avoid the dear money of straight loan, more readily take the opportunity to earn the assurance income, and the funds transaction platform is also introduced the good creditor of matter because of there being the so good client of Yu Wen to tender guarantee, and be able to deeply general masses.
Claims (26)
1, a kind of network effects credit credit investigation system of extending comprises that a user's interface, that provides the user to login in the network on-line mode connects this user's interface and is connected database with the access of giving information with server with the server and that carries out computing, audit, judgement, supervision and carry out function; It is characterized in that,
Described server is by computing, audit, supervision, the decision-making function of following each module, to carry out the reference that network effects credit is extended:
One credit is extended combination application module, in order to receive, the temporary credit that applies to become extends and desires to become credit among the application materials that a plurality of member imported of combination and the described a plurality of member and extend and accept the borrowing demand that the member proposes;
One credit is extended amount and is calculated and authorize module, desiring to become credit in order to acquisition extends and to calculate its credit when authorizing Member Information and extend the amount total value, and according to desiring to become the borrowing demand data that the previous proposition of member is accepted in the credit extension, calculate required credit and extend amount, then extending the amount total value with aforementioned credit compares, whether set up to judge that credit extends to make up, determine the last amount of money of authorizing simultaneously;
The real-time control module of one risk in order to extend the value change in amount source according to credit, calculates the credit extension in real time and authorizes the variation that its credit of member is extended the amount total value;
One credit is extended amount clearance module, extends in the combination in order to calculate credit, and each credit is extended the amount of authorizing the member and authorized increase and decrease situation and credit and extend the amount of accepting the member and accept the increase and decrease situation;
One credit is extended income calculation and is authorized module, extends in the combination in order to calculate credit, and each credit is extended and accepted the required correlative charges of paying of member, after collecting via system, calculates and appropriates credit and extend and authorize the member deserved assurance income.
2, credit investigation system as claimed in claim 1, it is characterized in that described credit is extended the network on-line mode of combination application module and can be finished by personal computer, personal digital assistant, mobile phone, voice call and the networking telephone with line and wireless network linking function.
3, credit investigation system as claimed in claim 1, it is characterized in that, extend in the combination application module in described credit, described system receives and applies to become credit and extend a plurality of members' of combination data and comprise and desire to become credit more than one and extend and authorize member's Member Information and desire to become credit more than one and extend the Member Information of accepting the member.
4, credit investigation system according to claim 1, it is characterized in that, extend amount in described credit and calculate and authorize in the module, desire to become credit extend the credit of authorizing the member extend the amount total value is each rent item sum total of being deposited in according to this member of described system, this member proposed movable and immovable property gage in the funds transaction platform, levy credit via platform after obtained credit line add up and calculate.
5, credit investigation system as claimed in claim 1, it is characterized in that, extend amount in described credit and calculate and authorize in the module, desire to become credit extend accept the required credit of member extend amount for this member to described system borrowing demand data that propose and the difference of extending amount through its original credit of system-computed.
6, credit investigation system as claimed in claim 1, it is characterized in that, extending amount in described credit calculates and authorizes in the module, if desiring to become credit extends and authorizes credit that the member has and extend the amount total value and extend and accept the required credit of member and extend amount more than or equal to desiring to become credit, then described system judges that thus credit extends combination and set up, and described system can formally transfer aforementioned two side memberships to credit and extended and authorize the member and the member is accepted in the credit extension this moment.
7, credit investigation system as claimed in claim 1, it is characterized in that, in the real-time control module of described risk, the value change that described credit is extended the amount source be described system according to this credit extend the change of each rent item change sum total of authorizing the member and in the funds transaction platform, continuing to deposit in or lend, movable and immovable property collateral value that this member proposed, the data of obtained credit line variation after levying credit via the platform adjustment calculates.
8, credit investigation system as claimed in claim 1 is characterized in that, extends income calculation and authorizes in the module in described credit, and each credit is extended and accepted the required correlative charges of paying of member and comprise that credit extends composite services expense and credit and extend guarantee fee and use.
9, a kind of reference method of network effects credit extension, its provide desire to obtain levy the accrediting amount with the member that participates in the funds transaction platform in more efficient and low-cost mode, finish the reference step of platform pre action, and further improve the whole transaction size of this platform, this method may further comprise the steps:
One credit is extended the combination procedure to apply;
One credit is extended amount and is calculated and authorize step;
The real-time keyholed back plate step of one risk;
One credit is extended amount clearance step;
One credit is extended income calculation and is authorized step.
10, reference method as claimed in claim 9, it is characterized in that, described credit extension combination procedure to apply is that a plurality of members extend combination to system's application establishment credit, by credit extension combination the member of desire loaning bill is raked in and levy the accrediting amount, supply required credit and extend amount.
11, reference method as claimed in claim 10 is characterized in that, described a plurality of members comprise that desiring to become the credit extension more than one authorizes member's member and desire to become the member that the member is accepted in the credit extension more than one.
12, reference method as claimed in claim 10, it is characterized in that, described a plurality of member sets up credit to the system application and extends combination, and the member desires to become credit and extends the member who accepts the member and can propose borrowing demand simultaneously when system's application is set up credit and extended combination.
13, reference method as claimed in claim 9 is characterized in that, described credit extension amount is calculated and authorized step and further may further comprise the steps:
One calculates the step that required credit is extended amount;
One calculating is desired to become credit and is extended the step that the existing credit of the member who authorizes the member is extended amount;
One credit is extended the step of strengthening;
One gage increases the step of putting forward;
One assesses the step that credit is extended amount total value and credit extension combination establishment.
14, reference method as claimed in claim 13, it is characterized in that, extend in the amount step in the required credit of described calculating, described system can accept member's the borrowing demand data that the member proposed with after its original credit extension amount of system-computed according to desiring to become the credit extension, calculate both difference, this difference promptly is to desire to become credit to extend the required credit extension of the member who accepts member amount.
15, reference method as claimed in claim 13, it is characterized in that, desire to become credit in described calculating and extend the existing credit of the member who authorizes the member and extend in the amount step, existing credit extends movable and immovable property gage that each rent item sum total, this member that amount deposited in the funds transaction platform from this member of described system-computed propose to pledge or mortgage, the aggregate value of obtained credit line after levying credit via platform.
16, reference method as claimed in claim 13, it is characterized in that, desiring to become credit in calculating extends in the existing credit extension of the member who authorizes the member amount step, described system can judge that desiring to become credit extends and authorize all credit of member and extend the amount total value and whether extend and accept the required credit of member and extend amount more than or equal to desiring to become credit, promptly whether enough, extend combination establishment step if enough then directly carry out credit, credit extends that combination is formal sets up, and desires to become credit this moment and extends the member who authorizes the member and formally authorize credit via described system and extend amount and extend the member who receives the member to desiring to become credit.
17, reference method as claimed in claim 16, it is characterized in that, formally authorize credit via described system and extend amount, simultaneity factor can be judged and describedly desire to become credit and extend the member who authorizes the member and desire to become credit and extend the member who receives the member and formally become credit and extend and authorize member and credit and extend and accept the member.
18, reference method as claimed in claim 16, it is characterized in that, described system judges that desiring to become credit extends and authorize all credit of member whether extend the amount total value enough, if it is not enough, then system then carries out credit and extends the reinforcement step, and shows that on user's interface whether carrying out credit extends the inquiry of strengthening.
19, reference method as claimed in claim 18 is characterized in that, extends in described credit and strengthens in the step, and described user's interface shows that whether carrying out credit extends reinforcement, if select not, then credit extends to make up is false; If select to be, then system then carries out gage and increases and put forward step, and wants desire to become the credit extension and authorize the member and increase and carry gage.
20, reference method as claimed in claim 19, it is characterized in that, increase at described gage and to carry in the step, described desire to become credit extend authorize the member increase carry gage after, described system can increase the gage carried and describedly desires to become credit and extend and authorize the original credit of member and extend amount and assess and describedly desire to become credit and extend total credit of authorizing the member and extend the amount volume according to the member, if enough, then credit is extended the combination establishment; If not enough, then system can show whether continue to increase the inquiry of carrying gage on described user's interface.
21, reference method as claimed in claim 20 is characterized in that, described user's interface shows whether continue to increase the inquiry of carrying gage, is that then the member continues to increase and carries other gage if select; If select not, then credit is extended combination still is false.
22, reference method as claimed in claim 9, it is characterized in that, in the real-time keyholed back plate step of described risk, described system can authorize each rent item change sum total that the member continues to deposit in or lend according to the credit extension in the funds transaction platform, the change of the movable and immovable property collateral value that this member proposed, levy the data that credit line obtained after the credit changes via the platform adjustment, calculate this member's credit in real time and extend the value change in amount source, extend the foundation that amount is authorized risk as system's management and control credit, if the situation of deficiency takes place, system can require this member to carry out the step that credit is extended reinforcement at any time.
23, reference method as claimed in claim 9, it is characterized in that, extend in the amount clearance step in described credit, described system can calculate credit in real time and extend in the combination, each credit is extended the amount of authorizing the member and is authorized increase and decrease situation and credit and extend the amount of accepting the member and accept the increase and decrease situation, as the foundation of the creditable extension income in risk control basis and institute, expense calculating.
24, reference method as claimed in claim 9, it is characterized in that, extend income calculation and authorize in the step in described credit, described system-computed is also collected each credit extension and is accepted required all correlative chargess paid of member, and will be wherein credit extend the guarantee fee usefulness of should collect when amount is authorized, appropriate and give credit and extend and authorize the assurance income that the member authorizes as this member's credit extension amount.
25, reference method as claimed in claim 24, it is characterized in that, the required expense of paying of member is accepted in each credit extension of described calculating, and wherein after credit was extended the combination establishment, system can begin to calculate and collect each credit and extend the required credit extension composite services expense of paying of member of accepting.
26, reference method as claimed in claim 25, it is characterized in that, described system accepts the member to the credit extension and collects service fee, wherein after collecting service fee, system can participate in the funds transaction platform and get timestamp above-mentioned member, and calculate this credit that must mark the member in real time and extend guarantee fee usefulness, and after the result of calculation output, collect credit to it and extend guarantee fee usefulness, then remit or appropriate and give credit and extend and authorize the member.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101952083A CN101452554A (en) | 2007-12-04 | 2007-12-04 | Network effect credit expanded system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007101952083A CN101452554A (en) | 2007-12-04 | 2007-12-04 | Network effect credit expanded system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101452554A true CN101452554A (en) | 2009-06-10 |
Family
ID=40734771
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007101952083A Pending CN101452554A (en) | 2007-12-04 | 2007-12-04 | Network effect credit expanded system and method |
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| Country | Link |
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| CN (1) | CN101452554A (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103164753A (en) * | 2011-12-08 | 2013-06-19 | 荣成纸业股份有限公司 | Customer transaction data management system |
| CN103413223A (en) * | 2013-07-24 | 2013-11-27 | 通联支付网络服务股份有限公司 | Personal-reputation and financing-credit evaluation system for non-face-to-face trading |
| CN105160446A (en) * | 2015-03-20 | 2015-12-16 | 招商局国际信息技术有限公司 | Method and device of obtaining loan limit |
| WO2016191924A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Online lending method, and data interaction processing method, device and system |
| CN106789436A (en) * | 2016-12-29 | 2017-05-31 | 深圳微众税银信息服务有限公司 | A kind of reference report-generating method and system |
-
2007
- 2007-12-04 CN CNA2007101952083A patent/CN101452554A/en active Pending
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103164753A (en) * | 2011-12-08 | 2013-06-19 | 荣成纸业股份有限公司 | Customer transaction data management system |
| CN103413223A (en) * | 2013-07-24 | 2013-11-27 | 通联支付网络服务股份有限公司 | Personal-reputation and financing-credit evaluation system for non-face-to-face trading |
| CN105160446A (en) * | 2015-03-20 | 2015-12-16 | 招商局国际信息技术有限公司 | Method and device of obtaining loan limit |
| WO2016191924A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Online lending method, and data interaction processing method, device and system |
| CN106789436A (en) * | 2016-12-29 | 2017-05-31 | 深圳微众税银信息服务有限公司 | A kind of reference report-generating method and system |
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