Real-time anonymous P2P borrowing system

Abstract

The invention relates to a real-time anonymous P2P borrowing system. The real-time anonymous P2P borrowing system comprises a borrowing platform and a social platform. The borrowing platform comprises a borrowing sponsoring and sharing subsystem, a payment subsystem, a pre-payment subsystem and a settlement subsystem; the social platform is a third party communication platform through which a borrower sends a borrowing offer to the acquaintances. The real-time anonymous P2P borrowing system has advantages that the funds are transferred to the account immediately, and the borrowing requirement of the borrower is satisfied timely; the system is orientated to the acquaintances, the business risk is lowered through the information transparency between the acquaintances, and the P2P coverage rate is expanded; a lender can select a real-name mode or an anonymous mode to protect privacy and promote transaction.

Description

【Technical field】 [0001] The invention relates to the technical field of internet finance, in particular, a real-time anonymous P2P lending system. 【Background technique】 [0002] P2P refers to peer to peer, and P2P finance refers to direct financial business transactions between individuals (individuals or enterprises) bypassing traditional financial institutions. At present, P2P finance mainly occurs between unfamiliar enterprises and individuals, and between unfamiliar individuals and individuals. [0003] In terms of payment mode, most of the P2P financial business is transferred through the P2P platform. The lender transfers to the P2P platform through a third-party payment platform, and then transfers to the borrower from the P2P platform. The payment method is real-name, indirect and non-real-time. of. [0004] Existing P2P lending platforms are mainly used between strangers, which have the following problems: [0005] One is that the platform is risky. Authoritat...

AI Technical Summary

Problems solved by technology

Since P2P mainly focuses on small loans, it cannot bear the high cost of credit review. Therefore, the submission of information is the main basis for credit granting, and there are loan applicants who use false information to cheat loans, causing losses to the lender and the P2P platform, etc. potential risks

[0006] Second, the operating cost of the platform is high, which increases the cost burden of the borrower in P2P loans

Generally, the fee rate of P2P platforms is about 10% of the loan amount, and the platform fee is already much higher than the bank loan interest rate, which increases the burden on the borrower, thereby increasing the risk of bad debts, and reducing the operating efficiency of the entire system

[0007] Third, the existing P2P payment technology brings inconvenience and even risks to both the lender and the borrower.

Because the bank's settlement to the enterprise adopts the method of T+1 to the account, that is, it is extended by one working day, so the P2P lender transfers the loan from the P2P platform to increase the time delay, and the borrower's loan is delayed. Affect the normal use of the loan; the borrower also faces the same problem when repaying the loan, that is, the borrower puts the funds into the P2P platform when repaying the loan, and then the P2P platform distributes the funds to the borrower

For the lender, the funds held by the platform increase the risk of fund security, and incidents of P2P platforms running away occur from time to time

[0008] Fourth, the current P2P platform operation between strangers ignores the important groups that have P2P financing needs, that is, the demand for capital lending among acquaintances, resulting in a large amount of idle funds not being used rationally

[0009] Fifth, all existing lending methods adopt the real-name system, which has caused acquaintances to be unwilling to discuss returns due to emotional and other reasons. Even if the borrower intends to provide a return, the lender is often unwilling to accept it, so as not to hurt feelings. This practice hinders In order to improve the credit relationship between acquaintances, it is necessary to innovate technical means to facilitate transactions between the two parties, and to improve the welfare of the entire society by increasing the producer surplus and consumer surplus of both parties to the transaction.

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