Creditor's right trading method

Abstract

The invention provides a creditor's right trading method comprising the following steps: an investor issues an investment request on an intermediate trading platform; the intermediate trading platform verifies and gathers the asset information and liability information of the investor; a financier issues a financing need or application contract through the intermediate trading platform; the intermediate trading platform collects the investment money of the investor; the intermediate trading platform issues money to the financier; an electronic contract is concluded for any transaction behavior involving money between the investor and the financier; and after the financier collects the investment money of the investor and enters into a contract, the financier uses the investment money to trade with the investor or other financiers, and uses all concluded contracts to replace the contract concluded by the financier and the investor. An electronic contract is concluded in the system for every transaction behavior. The method has the characteristics of fast propagation and convenience possessed by Internet financing, and accords with the requirements of the legal framework.

Description

technical field [0001] The invention relates to a P2P creditor's rights transaction platform, which publishes personal creditor's rights information on the network and makes a contract transaction (including initial issuance or secondary transfer). Background technique [0002] At present, the mainstream P2P (peer to peer, online credit) platform mainly operates in the form of bookkeeping, which has the following problems: [0003] 1. Legitimacy issues: For investors, it is misunderstood as a "buy" behavior like buying financial products, but in essence it is a personal lending behavior established between two natural persons. If the form does not match the substance, there will be legitimacy The problem. [0004] 2. Transparency issues: Many P2P platforms do not clearly explain the financing party and its collateral, and the capital flow of the investor does not correspond to the financing party one by one. There is suspicion that the platform party can build a fund pool. ...

AI Technical Summary

Problems solved by technology

[0003] 1. Legitimacy issues: For investors, it is misunderstood as a "buy" behavior like buying financial products, but in essence it is a personal lending behavior established between two natural persons. If the form does not match the substance, there will be legitimacy The problem

[0004] 2. Transparency issues: Many P2P platforms do not clearly explain the financing party and its collateral, and the capital flow of the investor does not correspond to the financing party one by one. There is suspicion that the platform party can build a fund pool

[0005] 3. Insufficient flexibility 1: The platform design idea of ​​bookkeeping makes transactions on the platform face special transfers (such as retaining part of the share and transferring the remaining share, retaining part of the share and splitting the remaining share to multiple people, splitting all shares In the case of sub-transfer to multiple persons) and flexible transaction methods (default penalty interest, change of interest and interest payment method, or even floating interest rate, etc.), very complicated recalculation and bookkeeping will be required, resulting in reasons before and after the transfer / change Changes in transaction subjects and transaction methods have caused doubts about the relevance and legitimacy before and after

[0006] 4. Insufficient flexibility 2: In order to realize the flexible transactions mentioned in Article 3 above, the platform built by bookkeeping will pose a huge challenge to the company's internal control and fund management, because the calculation and bookkeeping work required by the platform needs to maintain two layers of relationships : Investors and platforms, platforms and financiers

[0007] 5. The current P2P platform has almost no valuation ability, because the bookkeeping method does not have such ability in structure, and valuation is an auxiliary tool for secondary transfer

The current secondary transfer is almost simply a transfer through a discount. For example, a 10% discount means that the transferor transfers to the transferee after adding 90% of the principal plus the accrued and unpaid interest (Accrued Interest). The calculation is extremely unscientific because The transferee does not know the actual effective interest rate (Effective Interest Rate) of the loan taken over halfway

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