Real-name Internet lending system based on friend circle strong tie and method thereof

Abstract

The present invention discloses a real-name Internet lending system based on a friend circle strong tie and a method thereof. The system is formed by a client, a server front-end request management module, a user management module, a project management module, a contract management module, a credit system, a database, a fund management interface module and a background monitoring module. A private lending scene is restored to a network, the protection of a transaction process is strengthened, the convenience and security of data management are standardized, the contradiction of the lack of efficiency of private lending and financing and the lack of investment protection, the credit risk and personal reputation are effectively combined, and thus the healthy development of private lending is promoted. According to the system and the method, a financing page which is suitable for modern communication means spread can be generated according to a user need, added with cash flow management and principal and interest settlement functions, the lending between acquaintances is more convenient and natural, at the same time, through complete electronic contracts and detailed accounts, a law protection is provided for the whole financing and repayment periods, and the interests of both parties are effectively maintained.

Description

technical field [0001] The invention belongs to the field of mobile information technology, and relates to an Internet lending, electronic contract management and credit recording system, and in particular to a real-name Internet lending system and method based on a strong relationship in a circle of friends. Background technique [0002] Traditional private lending is concluded between individuals, and financiers may need to communicate with potential investors through telephone calls, face-to-face interviews, etc., so as to facilitate transactions. Many private loans occur between classmates, colleagues or relatives, and are often discussed in the office or at home. In many cases, there is no loan contract, and even the repayment date is unclear. The completion of this type of loan transaction is based on the fact that the two parties are acquainted friends or have a kinship relationship. From the above discussion, it can be seen that there are obvious defects in this len...

AI Technical Summary

Problems solved by technology

[0006] In order to make up for the shortcomings of traditional private lending methods and solve the problems existing in most existing P2P lending network platforms, this invention builds a real-name Internet lending system and its method based on the strong relationship of the circle of friends. The terminal is convenient to use, and the loan between acquaintances can be completed efficiently. The system monitors all transaction information, forms a credit record, and restricts users

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