Financial transaction system and method

Abstract

The invention discloses a financial transaction system and a financial transaction method, which are applied to re-financing of loan retail services and applied to a beneficial interest competitive bidding platform. Under the condition of financing loan of individual cases, the financial transaction system and the financial transaction method enable a case unit to simultaneously and / or non-simultaneously supply financial claims to be bidden and sold to a beneficial interest buyer to buy through the beneficial interest competitive bidding transaction platform in a mode of simultaneous and / or non-simultaneous competitive bidding platforms of both capital loan sides; and except that the case unit per se absorbs partial risk with self capital, risk sharing organizations share capital and credit risks at the same time. The individual organizations do not guarantee the credits of individual debtors, so the debt problem is not produced, the defect that the individual organizations provide credit guarantee can be avoided, the case units are promoted to compete for load, and the financing for target groups can be activated and enhanced.

Description

A financial transaction system and method technical field The present invention relates to a financial transaction system and method, in particular to a financial transaction system and method applied to a fund lending pricing and beneficiary rights bidding platform. Background technique At present, the financing guarantee method of business nature is that an independent institution, such as the government or an insurance company, provides credit guarantee, and provides funds to small and medium-sized enterprises through a case unit, such as a loan company. However, in the case of the above-mentioned SME financing guarantee loan situation, an independent institution, such as the government, must bear the risk of the full amount or a considerable percentage of the loan amount due to the adoption of credit guarantees for individual debtors, and becomes the independent institution. The future contingent liabilities of the institution (for example, the government), therefore,...

AI Technical Summary

Problems solved by technology

However, in the case of the above-mentioned SME financing guarantee loan situation, an independent institution, such as the government, must bear the risk of the full amount or a considerable percentage of the loan amount due to the adoption of credit guarantees for individual debtors, and becomes the independent institution. The future contingent liabilities of the institution (for example, the government), therefore, the independent institution cannot dispose of them, and since the case unit (for example, the lending company) where the funds are lent is guaranteed by the credit guarantee of the independent institution (for example, the government), Therefore, it is often neglected to review the moral hazard of SME borrowers' credit investigation, resulting in the situation of bad creditor's rights, and because the guarantee contract is a special contract between an independent agency and the case unit, it cannot be transferred together with the creditor's rights, making the creditor's rights insufficient. Liquidity, and the case unit is therefore unable to realize profits by disposing of creditor's rights

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