CN103295156A - Network loan platform - Google Patents
Network loan platform Download PDFInfo
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- CN103295156A CN103295156A CN2013100172982A CN201310017298A CN103295156A CN 103295156 A CN103295156 A CN 103295156A CN 2013100172982 A CN2013100172982 A CN 2013100172982A CN 201310017298 A CN201310017298 A CN 201310017298A CN 103295156 A CN103295156 A CN 103295156A
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Abstract
The invention provides a network loan platform which comprises a control unit, a money-borrowing user and a money-lending user. The control unit is a builder of the network borrowing-lending platform and an auditor of loans. The control unit has a standard risk assessment mechanism, a tender mechanism, a financial mechanism and a credit assignment mechanism. On the network loan platform, the money-borrowing user publishes a loan application, the control unit audits the loan application, and the money-lending user invests according to an audit result published by the control unit. The network loan platform changes a single off-line loan mode to a network loan mode; by means of the platform, personal fund requirements are met, a personal credit system is developed, and the utilization rate of social idle funds is improved; the network loan platform is a safe, quick and honest trading platform.
Description
Technical field
The invention belongs to financial debt-credit field, particularly a kind of network debt-credit platform of being convenient to provide a loan.
Background technology
In the current regular financial system, the financial demand of medium-sized and small enterprises and disadvantaged group has been ignored by financial institution on the location in market, and when medium-sized and small enterprises and disadvantaged group during to bank loan, condition harshness, formality are numerous and diverse, chronic; When borrowing money to the acquaintance, except questions of one's reputation, the acquaintance also may not have the fund that is complementary, and also has certain risk simultaneously; From another angle, a lot of people's funds are idle not to have investment channel, and they also need the means of value preserving and appreciation badly.
At this phenomenon, the invention provides a kind of safe, quick, sincere transaction platform, pattern changes online network debt-credit pattern under the line that debt-credit is single, satisfies individual credit requirement, development personal credit system and improves the funds lying idle in society utilization factor by this platform.
Summary of the invention
Fundamental purpose of the present invention is to provide a kind of transaction platform that ensures that debtor and creditor is safe, quick, sincere.In order to reach aforesaid purpose, the present invention by the following technical solutions: a kind of network debt-credit platform includes control module, loaning bill user and loan user; Control module is the person of foundation of network debt-credit platform and the auditor of debt-credit money, and this control module has the risk assessment mechanism of standard, submit a tender mechanism, finance mechanism and assignment of credit mechanism; The loaning bill user is by network debt-credit platform issue loan application; The loan user invests by network debt-credit platform; On network debt-credit platform, described loaning bill user issues loan application, described control module audit loan application; If audit is passed through, then described loan user's account marks the loaning bill that the corresponding amount of money, loaning bill user then obtain matching amount automatically, borrows money when expiring, and the loaning bill user gives back principal and interest on time; The failure if the audit refusal is then borrowed money.
As improvement of the present invention, described loaning bill user is individual or enterprise.
As to further improvement of the present invention, described loan user is individual or enterprise.
As to further improvement of the present invention, described risk assessment mechanism refers to by risks and assumptions loan application be assessed.
As to further improvement of the present invention, described bid mechanism comprises bid against each other and submits a tender automatically, the described bid against each other investment that the user carries out on line that refers to provide a loan, described automatic bid refer to provide a loan the user online down according to the default bid factor by system on behalf of bid.
As to further improvement of the present invention, described finance mechanism refers to that described network debt-credit platform collects certain service fee by finance mechanism to loaning bill user and loan user.
As to further improvement of the present invention, described assignment of credit mechanism refers to that described loan user is sold to another loan user to the investment to certain loaning bill user by certain price.
As to further improvement of the present invention, the flow of fund between described loaning bill user and the loan user is realized by third party's payment platform.
Advantage of the present invention is: the invention provides a kind of quick, sincere transaction platform, pattern changes network debt-credit pattern under the line that debt-credit is single, satisfies individual credit requirement, development personal credit system and improves the funds lying idle in society utilization factor by this platform.
Description of drawings
Fig. 1 is principle block diagram of the present invention.
Embodiment
Describe the preferred embodiments of the present invention in detail below in conjunction with accompanying drawing.
Consult Fig. 1, a kind of network debt-credit platform, it includes: control module 1, loaning bill user 2 and loan user 3, described control module 1 is the person of foundation of network debt-credit platform and the auditor of debt-credit money, and it includes risk assessment mechanism 11, submit a tender mechanism 12, finance mechanism 13, assignment of credit mechanism 14; Loaning bill user 2, by network debt-credit platform issue loan application, loan user 3 invests according to the auditing result of the mechanism of submitting a tender 12 and 11 issues of risk assessment mechanism, the temporary transient frozen loan user's 3 of platform account fund during investment, when the loaning bill of loaning bill user 2 applications reaches borrowing balance, loan user in addition can also continue investment by the mode of cutting interest rate, control module 1 is selected according to the principle of " interest rate preferential, time priority ", the result does not have selected loan user to fail to be sold at auction, and selected loan user fund is thawed; Control module 1 is borrowed or lent money the final review of the information of money by risk assessment mechanism 11, if audit is passed through, then middle target loan user reduces the account amount of money according to its bid amount of money by third party's payment platform 4, loaning bill user 2 then obtains to borrow money by third party's payment platform 4, network debt-credit platform is collected certain service fee by finance mechanism 13, when loaning bill expired, loaning bill user 2 gave back principal and interest on time; The failure if the audit refusal is then borrowed money.
Among the present invention, described loaning bill user 2 is individual or enterprise.
Among the present invention, described loan user 3 is individual or enterprise, to same loan application a plurality of loan users can be arranged.
Among the present invention, described risk assessment mechanism 11 audits are borrowed money, its review process is specific as follows described: at first set up risks and assumptions, risks and assumptions comprises loaning bill user 2 essential informations and credit situation, the risks and assumptions of user's 2 info class of wherein borrowing money comprises sex, age, marital status, work unit, post, academic title, income, expenditure, social security, credit card amount and operating position etc., and wherein refund information comprises number of times, the amount of money, the number of times that exceeds the time limit and the amount of money etc. of refund; Every risks and assumptions comprises different parameters, risks and assumptions such as sex comprises man and two parameters of woman, risks and assumptions is set an initial weight, these parameters are determined an initial mark, the borrower is comprehensively given a mark, in the operation process, the situation that loaning bill user 2 refunds on time and exceeds the time limit and refund can appear, to dynamically adjust weight and the mark of every parameter according to certain algorithm, continuous accumulation along with data, the parameter, the weight that participate in assessment all in dynamically adjusting, make that progressively investment reaches best risk income state.
Among the present invention, described bid mechanism 12 comprises bid against each other and submits a tender automatically, bid against each other refers to provide a loan the user by the network on-line bid, automatically submit a tender refer to provide a loan the user online down by system on behalf of bid, automatic bid at first is to set up the bid factor: the present mechanism 12 of submitting a tender has designed 25 bid factors, and the factor of wherein submitting a tender relates to the amount of money of investment, minimum interest rate on borrowings, loaning bill user 2 credit grade, the number of times of success refund and the situation that the amount of money, educational requirement, loaning bill user pass through authentication etc.; Next user 3 that provides a loan sets requirement according to the preference of oneself to loaning bill user 2, and the mechanism 12 of submitting a tender then is according to submitting a tender automatically under the situation of these conditions that set under the loan user is online.
Among the present invention, described finance mechanism 13 refers to that described network debt-credit platform collects certain service fee by finance mechanism to loaning bill user 2 and loan user 3.After described loaning bill user 2 borrows money successfully, if the life of loan is 1 to 5 months, then the disposable service fee of collecting of network debt-credit platform is 1% of borrowing balance, if the life of loan 6 was by 11 months, then the disposable service fee of collecting of network debt-credit platform is 2% of borrowing balance, if the life of loan (contain 12 months) more than 12 months then the disposable service fee of collecting of network debt-credit platform be 3% of borrowing balance; If loaning bill user 2 not scheduled time gives back principal and interest, exceed the time limit and surpass 15 days, network debt-credit platform will collect 50 yuans or borrowing balance 1% as the website phone is reminded and collection is served expense (both volume the greater of peeking: need pay back the borrowed money 10000 yuan such as loaning bill user 2, then collect 100 yuan; If loaning bill user 2 need pay back the borrowed money 1000 yuan, then collect 50 yuan).When described loan user 3 charges into network debt-credit platform with fund, can produce third party's platform expense of transferring accounts, network debt-credit platform will be collected 1% expense as third party's platform expense of transferring accounts after fund charges into; When loaning bill user 2 charges into network debt-credit platform with the refund fund, can produce third party's platform expense of transferring accounts, network debt-credit platform will be collected 1% expense as third party's platform expense of transferring accounts after fund charges into; If for the principal and interest that described loaning bill user 2 gives back, if loan user 3 selective extraction cashes, then network debt-credit platform is not collected service fee.
Among the present invention, described assignment of credit mechanism 14 refers to that described loan user is sold to another loan user to own investment to certain loaning bill user 2 by certain price.Described loan user 3 can carry out shift in investment by assignment of credit mechanism 14 after investment, fundamental purpose is the flowability of increase fund and handles for bad credit a direction is provided.
Claims (8)
1. a network debt-credit platform is characterized in that: include control module, loaning bill user and loan user; Control module is the person of foundation of network debt-credit platform and the auditor of debt-credit money, and this control module has the risk assessment mechanism of standard, submit a tender mechanism, finance mechanism and assignment of credit mechanism; The loaning bill user is by network debt-credit platform issue loan application; The loan user invests by network debt-credit platform; On network debt-credit platform, described loaning bill user issues loan application, described control module audit loan application; If audit is passed through, then described loan user's account marks the loaning bill that the corresponding amount of money, loaning bill user then obtain matching amount automatically, borrows money when expiring, and the loaning bill user gives back principal and interest on time; The failure if the audit refusal is then borrowed money.
2. a kind of network according to claim 1 is borrowed or lent money platform, and it is characterized in that: described loaning bill user is individual or enterprise.
3. a kind of network according to claim 1 is borrowed or lent money platform, and it is characterized in that: described loan user is individual or enterprise.
4. a kind of network according to claim 1 is borrowed or lent money platform, and it is characterized in that: described risk assessment mechanism refers to by risks and assumptions loan application be assessed.
5. a kind of network according to claim 1 is borrowed or lent money platform, it is characterized in that: described bid mechanism comprises bid against each other and submits a tender automatically, the described bid against each other investment that the user carries out on line that refers to provide a loan, described automatic bid refer to provide a loan the user online down according to the default bid factor by system on behalf of bid.
6. a kind of network debt-credit platform according to claim 1 is characterized in that: described finance mechanism refers to that described network debt-credit platform collects certain service fee by finance mechanism to loaning bill user and loan user.
7. a kind of network according to claim 1 is borrowed or lent money platform, it is characterized in that: described assignment of credit mechanism refers to that described loan user is sold to another loan user to the investment to certain loaning bill user by certain price.
8. a kind of network according to claim 1 is borrowed or lent money platform, it is characterized in that: the flow of fund between described loaning bill user and the loan user is realized by third party's payment platform.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN2013100172982A CN103295156A (en) | 2013-01-17 | 2013-01-17 | Network loan platform |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN2013100172982A CN103295156A (en) | 2013-01-17 | 2013-01-17 | Network loan platform |
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| CN103295156A true CN103295156A (en) | 2013-09-11 |
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| CN2013100172982A Pending CN103295156A (en) | 2013-01-17 | 2013-01-17 | Network loan platform |
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Cited By (30)
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| CN104408610A (en) * | 2014-12-03 | 2015-03-11 | 苏州贝多环保技术有限公司 | Third-party payment platform business processing method based on risk assessment |
| CN104463604A (en) * | 2014-12-15 | 2015-03-25 | 王升 | Real estate transaction anti-risk financing method and corresponding network system |
| CN104463664A (en) * | 2014-12-10 | 2015-03-25 | 谢荣生 | Online loan system and method based on interpersonal relationship network |
| CN104599028A (en) * | 2013-10-31 | 2015-05-06 | 仁慈青蛙有限公司 | Electronic donation processing method and system |
| CN104616139A (en) * | 2015-02-06 | 2015-05-13 | 上海百筹金融信息服务有限公司 | Real-time anonymous P2P borrowing system |
| CN104616196A (en) * | 2015-02-06 | 2015-05-13 | 上海百筹金融信息服务有限公司 | Real-time anonymous P2P borrowing method |
| WO2015106611A1 (en) * | 2014-01-16 | 2015-07-23 | 汉唐光电科技股份有限公司 | Loan marching platform system |
| CN104937618A (en) * | 2014-09-15 | 2015-09-23 | 深圳市融资城网络服务中心有限公司 | Risk control method and system for Internet financing funds and project progress |
| CN105512935A (en) * | 2015-12-01 | 2016-04-20 | 郑东东 | Borrowing and lending system based on mobile terminal |
| CN105989533A (en) * | 2015-02-09 | 2016-10-05 | 北京网汇速融信息科技有限公司 | 3+2 borrowing matching platform |
| CN105989534A (en) * | 2015-02-09 | 2016-10-05 | 北京网汇速融信息科技有限公司 | Borrowing matching network platform |
| CN106056445A (en) * | 2016-05-27 | 2016-10-26 | 上海优走信息科技有限公司 | Loan system, loan information display method and system, and loan information processing method and system |
| CN106157139A (en) * | 2015-04-03 | 2016-11-23 | 上海拓悉信息科技有限公司 | A kind of credits method of commerce |
| WO2016191918A1 (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 |
| CN106548400A (en) * | 2016-10-21 | 2017-03-29 | 郑友龙 | The intelligent Matching of the Internet loan and trade matching platform and its method |
| WO2017128392A1 (en) * | 2016-01-30 | 2017-08-03 | 杨钰 | Method of pushing information when matching loan amount with fund amount, and loan indication system |
| WO2017128393A1 (en) * | 2016-01-30 | 2017-08-03 | 杨钰 | Method of providing matching loan recommendation on the basis of account fund amount, and loan indication system |
| CN107103429A (en) * | 2017-05-03 | 2017-08-29 | 辽宁科技大学 | In bond generation, holds the management method and system of transaction data |
| CN107103460A (en) * | 2017-03-27 | 2017-08-29 | 杭州呯嘭智能技术有限公司 | The quick settlement method of cross-border payment based on credit big data |
| CN107481137A (en) * | 2017-09-27 | 2017-12-15 | 新疆兴华富疆互联网金融服务有限公司 | A kind of network loan system |
| CN107895311A (en) * | 2017-12-08 | 2018-04-10 | 微神马科技（大连）有限公司 | A kind of method and apparatus of order matching distribution |
| CN107945025A (en) * | 2017-12-19 | 2018-04-20 | 浙江氢创投资有限公司 | One kind investment and financing platform risk evaluation system |
| CN107958421A (en) * | 2017-12-19 | 2018-04-24 | 浙江氢创投资有限公司 | A kind of risk control method and system of internet financing fund and project process |
| CN108389123A (en) * | 2018-02-12 | 2018-08-10 | 中科柏诚科技（北京）股份有限公司 | A kind of internet syndicated loan system and method |
| CN108399568A (en) * | 2018-02-10 | 2018-08-14 | 张宇 | Loaning bill method, terminal and computer readable storage medium |
| CN108460675A (en) * | 2018-02-10 | 2018-08-28 | 张宇 | Capitalized method, terminal and computer readable storage medium |
| CN108460676A (en) * | 2018-02-10 | 2018-08-28 | 张宇 | Borrow or lend money implementation method, terminal and the computer readable storage medium of service |
| CN108648073A (en) * | 2018-05-18 | 2018-10-12 | 深圳壹账通智能科技有限公司 | Credit methods, device, equipment and computer storage media |
| CN110148047A (en) * | 2018-02-13 | 2019-08-20 | 北京嘀嘀无限科技发展有限公司 | The method for routing and system of loan |
| CN110619463A (en) * | 2019-09-10 | 2019-12-27 | 苏州方正璞华信息技术有限公司 | Flow optimization for seeking loan requirements of enterprises |
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Cited By (31)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104599028A (en) * | 2013-10-31 | 2015-05-06 | 仁慈青蛙有限公司 | Electronic donation processing method and system |
| WO2015106611A1 (en) * | 2014-01-16 | 2015-07-23 | 汉唐光电科技股份有限公司 | Loan marching platform system |
| CN104937618A (en) * | 2014-09-15 | 2015-09-23 | 深圳市融资城网络服务中心有限公司 | Risk control method and system for Internet financing funds and project progress |
| WO2016041120A1 (en) * | 2014-09-15 | 2016-03-24 | 深圳市融资城网络服务中心有限公司 | Risk control method and system for internet financing fund and project progress |
| CN104408610A (en) * | 2014-12-03 | 2015-03-11 | 苏州贝多环保技术有限公司 | Third-party payment platform business processing method based on risk assessment |
| CN104463664A (en) * | 2014-12-10 | 2015-03-25 | 谢荣生 | Online loan system and method based on interpersonal relationship network |
| CN104463604A (en) * | 2014-12-15 | 2015-03-25 | 王升 | Real estate transaction anti-risk financing method and corresponding network system |
| CN104616139A (en) * | 2015-02-06 | 2015-05-13 | 上海百筹金融信息服务有限公司 | Real-time anonymous P2P borrowing system |
| CN104616196A (en) * | 2015-02-06 | 2015-05-13 | 上海百筹金融信息服务有限公司 | Real-time anonymous P2P borrowing method |
| CN105989533A (en) * | 2015-02-09 | 2016-10-05 | 北京网汇速融信息科技有限公司 | 3+2 borrowing matching platform |
| CN105989534A (en) * | 2015-02-09 | 2016-10-05 | 北京网汇速融信息科技有限公司 | Borrowing matching network platform |
| CN106157139A (en) * | 2015-04-03 | 2016-11-23 | 上海拓悉信息科技有限公司 | A kind of credits method of commerce |
| WO2016191918A1 (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 |
| CN105512935A (en) * | 2015-12-01 | 2016-04-20 | 郑东东 | Borrowing and lending system based on mobile terminal |
| WO2017128392A1 (en) * | 2016-01-30 | 2017-08-03 | 杨钰 | Method of pushing information when matching loan amount with fund amount, and loan indication system |
| WO2017128393A1 (en) * | 2016-01-30 | 2017-08-03 | 杨钰 | Method of providing matching loan recommendation on the basis of account fund amount, and loan indication system |
| CN106056445A (en) * | 2016-05-27 | 2016-10-26 | 上海优走信息科技有限公司 | Loan system, loan information display method and system, and loan information processing method and system |
| CN106548400A (en) * | 2016-10-21 | 2017-03-29 | 郑友龙 | The intelligent Matching of the Internet loan and trade matching platform and its method |
| CN107103460A (en) * | 2017-03-27 | 2017-08-29 | 杭州呯嘭智能技术有限公司 | The quick settlement method of cross-border payment based on credit big data |
| CN107103429A (en) * | 2017-05-03 | 2017-08-29 | 辽宁科技大学 | In bond generation, holds the management method and system of transaction data |
| CN107481137A (en) * | 2017-09-27 | 2017-12-15 | 新疆兴华富疆互联网金融服务有限公司 | A kind of network loan system |
| CN107895311A (en) * | 2017-12-08 | 2018-04-10 | 微神马科技（大连）有限公司 | A kind of method and apparatus of order matching distribution |
| CN107945025A (en) * | 2017-12-19 | 2018-04-20 | 浙江氢创投资有限公司 | One kind investment and financing platform risk evaluation system |
| CN107958421A (en) * | 2017-12-19 | 2018-04-24 | 浙江氢创投资有限公司 | A kind of risk control method and system of internet financing fund and project process |
| CN108399568A (en) * | 2018-02-10 | 2018-08-14 | 张宇 | Loaning bill method, terminal and computer readable storage medium |
| CN108460675A (en) * | 2018-02-10 | 2018-08-28 | 张宇 | Capitalized method, terminal and computer readable storage medium |
| CN108460676A (en) * | 2018-02-10 | 2018-08-28 | 张宇 | Borrow or lend money implementation method, terminal and the computer readable storage medium of service |
| CN108389123A (en) * | 2018-02-12 | 2018-08-10 | 中科柏诚科技（北京）股份有限公司 | A kind of internet syndicated loan system and method |
| CN110148047A (en) * | 2018-02-13 | 2019-08-20 | 北京嘀嘀无限科技发展有限公司 | The method for routing and system of loan |
| CN108648073A (en) * | 2018-05-18 | 2018-10-12 | 深圳壹账通智能科技有限公司 | Credit methods, device, equipment and computer storage media |
| CN110619463A (en) * | 2019-09-10 | 2019-12-27 | 苏州方正璞华信息技术有限公司 | Flow optimization for seeking loan requirements of enterprises |
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Application publication date: 20130911 |