Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

Bad loan resolution system and method

A non-performing and loan technology, applied in the field of financial services, can solve problems such as difficulty and compliance risks, and achieve the effect of delaying the period of guarantee compensation, improving debt repayment ability, and promoting production and operation

Pending Publication Date: 2020-08-25
安徽海汇金融投资集团有限公司
View PDF7 Cites 1 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At the same time, coupled with the tightening of financial supervision, some traditional non-performing loan disposal methods are also facing greater operational difficulties and compliance risks

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Bad loan resolution system and method
  • Bad loan resolution system and method

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0042] Below, the technical solution of the present invention will be described in detail through specific examples.

[0043] It should be noted that in this embodiment, the server 2 is a bank, the first client is a non-financial company, the second client is a third party, the third client is a debt management company, and the fourth client is a guarantee company. Among them, non-financial company is the abbreviation of state-owned non-financial asset management company, credit management company is the abbreviation of accounts receivable credit management company, credit certificate (contract) is the abbreviation of account receivable credit certificate (contract), credit certificate (contract) ) can exist in the form of paper, electronic or other media. Circulation refers to the creditor's rights recorded in the creditor's rights certificate (contract) through transfer, offset, pledge, etc. Features.

[0044] However, the client and the server are not limited to the above-...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention discloses a bad loan resolution system and method. The system comprises a client and a server, the client comprises a circulation module, a payment module, a creditor's right acquisitionmodule and a voucher module. The server comprises a creditor's right module and a transfer module. The payment module is used for paying consideration of purchasing the bad loan creditor's right to the creditor's right module of the server and inputting the consideration in the transfer module. The creditor's right acquisition module is used for acquiring bad loan creditor's right transferred bythe transfer module of the server, the voucher module is used for acquiring receivable creditor's right (contract) corresponding to the bad loan creditor's right, and the circulation module is used for acquiring and circulating the receivable creditor's right (contract) in the voucher module so as to check and resolve bad loan; through account receivable creditor's right certificate (contract) circulation, a financial institution is assisted to accelerate bad loan processing, and financial risks are prevented and resolved.

Description

technical field [0001] The invention relates to the technical field of financial services, in particular to a non-performing loan resolution system and method. Background technique [0002] Under the two-way pressure of economic downturn and economic transformation, enterprises, especially private and small, medium and micro enterprises, have increased operating pressure and reduced debt repayment ability, leading to an increase in credit defaults, which have continuously pushed up the balance of non-performing loans and non-performing ratios of commercial banks in my country. In particular, due to reasons such as location, customer structure, and risk management level of city commercial banks and rural commercial banks, the non-performing rate of some of them has reached more than 20%. Loan problems are becoming increasingly prominent. At the same time, coupled with the tightening of financial supervision, some traditional non-performing loan disposal methods also face great...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 梁樑黄林黄学柱吴斌朱代伟袁礼山朱香友李书生陈洪兵曾水保
Owner 安徽海汇金融投资集团有限公司
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com