On-line financing method and system

Abstract

The invention provides an on-line financing method and a system thereof, which are used for constructing a borrowing and loaning transaction platform on a network to recruit members for on-line financing transactions. The members are divided into financier members and investor members according to the aims of financing and investment, the borrowing and loaning transaction platform provides at least one borrowing and loaning transaction combination with specified amount and period, and the investor members acceptably participate; and if the loaning transaction combination is established, the financier members except for the investor members perform competitive bidding, the financing is obtained based on bid bond, and investors take fruits obtained by conversion financing of the bid bond as profit. The roles of financiers and investors are independent and are not overlapped with each other, which can effectively solve the disadvantage that the prior credit union makes the financiers forced to act on the roles of the investors before obtaining the financing to cause difficult financing due to the fact that the deposit and loan are integrated; in addition, the method and the system can quickly and effectively gather a large quantity of financiers and investors, which improves the success probability of financing matching and creates the win-win.

Description

technical field [0001] The present invention is an online financing method and its system, especially a platform that provides a direct financial lending transaction platform on the Internet, and gathers investors who supply funds to earn interest rates and financiers who have capital needs. During this period, the financiers who obtain funds are determined through bidding to complete a loan transaction portfolio. Since the roles of financiers and investors are separated and do not overlap with each other, it can effectively solve the shortcomings of the difficulty in financing caused by the integration of deposits and loans in traditional associations. Background technique [0002] The direct financial commodity union has been circulating for a long time. Because the union has the functions of saving and financing, it can meet the needs of investment and wealth management and credit creation at the same time. Therefore, although modern investment and financial management to...

AI Technical Summary

Problems solved by technology

[0007] However, due to the integration of deposits and loans, financing is not easy. For financiers who have immediate capital needs, if they fail to win the bid, not only will they not be able to meet the financing needs, but they will also have to pay another living fee; in other words, for those who have immediate capital needs There is a risk of not being able to bid but having to save money for financiers who need financing; similarly, investors who have no financing needs may also be selected as successful bidders by the computer because no one bids for the trade portfolio of the association (financing By)

[0008] It can be seen from the above that, whether it is a popular entity association or a networked simulation mutual aid association, due to the characteristics of the integration of deposit and loan, those who have capital needs cannot get financing bailout in a timely manner, while those who have no capital needs and want to use the bidding fruits to profit It is necessary to further seek a feasible solution for the problem of possible accidental winning of the bid

[0009] In addition, although mutual aid associations are very popular financial management tools for civilians among the people, their security concerns are still the main reason why many people hesitate to try them lightly. , if the recruitment threshold of the recruiter is too low, the risk of falling will inevitably be relatively high. This situation is especially serious in the online world. Therefore, regarding the recruitment of members of mutual aid associations, if there is no reliable credit investigation mechanism to use, it will certainly not be possible Gain the trust of willing participants, thereby influencing the implementation of online financing mechanisms

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