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Loan repaying processing method and system

A processing method and processing system technology, applied in the field of loan repayment processing methods and systems, can solve the problems of lack of fund guarantee and supervision mechanism, lack of guarantee of lender's funds, difficulty in recovery of direct lenders, etc., to alleviate short-term funds pressure, increase the cost of default, and reduce the effect of loan funds risk

Inactive Publication Date: 2015-08-26
SHENZHEN CIFPAY NETWORK BANK TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The advantage of traditional lending methods is that they have fixed income. However, due to the lack of capital guarantee and supervision mechanism, especially in private lending activities, the repayment period is extended indefinitely, or it is not uncommon for direct lenders to recover loans, resulting in widespread loan defaults. Lender funds are not guaranteed

Method used

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  • Loan repaying processing method and system
  • Loan repaying processing method and system
  • Loan repaying processing method and system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0024] Such as figure 1 As shown, a loan repayment processing method provided by an embodiment of the present invention is applied to a fund management server, and the method includes the following steps:

[0025] S101. After receiving the notification that the second participant will partially repay the loan on behalf of the first participant within the preset loan repayment period, transfer the part of the frozen funds corresponding to the bank letter of credit to the fund management account according to the repayment amount.

[0026] Specifically, the bank letter certificate is an electronic commitment payment certificate that the second participant applies to the fund management server with its account fund or credit line as a deposit and is issued by the fund management server. The first participant and the second participant can reach an agreement offline, and the second participant will replace part of the first participant's repayment within the preset dunning period, ...

Embodiment 2

[0032] Such as figure 2 As shown, a loan repayment processing method provided by the embodiment of the present invention is described by taking the fund management institution as a bank and the fund management server as a bank server as an example. The method includes the following steps:

[0033] S201. Judging whether all the loan funds and loan interest of the first participant within the preset loan repayment period have been received, if yes, execute step S202, otherwise execute step S204.

[0034] S202. Unfreeze all frozen funds corresponding to the bank letter of credit, and distribute loan interest among the second participant's account and the bank loan account according to preset rules.

[0035] Specifically, if the first participant repays all the loan funds and loan interest within the agreed loan period, the bank server unfreezes all the remaining frozen funds corresponding to the bank letter of credit, and at the same time, the unfrozen frozen funds and correspon...

Embodiment 3

[0055] Such as image 3 As shown, a loan repayment processing system provided by an embodiment of the present invention is applied to a fund management server, and the system includes a first repayment processing module 10 , a second repayment processing module 20 and a default processing module 30 .

[0056] The first repayment processing module 10 is configured to transfer the part of the frozen funds corresponding to the bank letter of credit to the fund according to the repayment amount after receiving the notice that the second participant replaces the first participant's partial repayment within the preset loan repayment period Manage accounts.

[0057] The second repayment processing module 20 is used to transfer the remaining frozen funds corresponding to the bank letter of credit to the fund management account if receiving the notice that the second participant pays off the remaining repayment on behalf of the first participant within the preset dunning period .

[...

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Abstract

The invention discloses a loan repaying processing method and system, and belongs to the field of financial technology. The method comprises the steps that after notification that a second party repays partial payment instead of a first party within the preset repaying period is received, partial blocked funds corresponding to a bank credit certificate are transferred to a fund management account according to the repaid funds; if notification that the second party pays off the remaining payment instead of the first party within the preset payment requesting period is received, surplus blocked funds corresponding to the bank credit certificate are transferred to the fund management account; and if the remaining payment is not received after the preset payment requesting period is exceeded, the surplus blocked funds corresponding to the bank credit certificate are transferred to the fund management account. With application of the method, the bank credit certificate is introduced to guarantee lending transactions so that penalty cost of the first party can be increased. Meanwhile, a flexible mode that the second party repays the partial payment instead of the first party is also provided so that possibility of successful load repaying can be enhanced, and thus the risk of the loan funds can be reduced and the lending transactions are enabled to be safer.

Description

technical field [0001] The invention relates to the field of financial technology, in particular to a loan repayment processing method and system. Background technique [0002] Traditional lending generally refers to a way of lending funds to debtors and receiving fixed income, mainly including bank loans and private loans. When the borrower initiates the settlement demand and the lender intends to lend to the borrower, the two parties reach a loan transaction through oral or written agreement. If the borrower repays the loan within the agreed time limit, the lender will receive the loan principal and interest. Repayment within the agreed time limit will be extended indefinitely. The advantage of traditional lending methods is that they have fixed income. However, due to the lack of capital guarantee and supervision mechanism, especially in private lending activities, the repayment period is extended indefinitely, or it is not uncommon for direct lenders to recover loans, r...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04G06Q40/02
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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