Traceable financial market transaction guarantee management method and device, equipment and medium

A technology of financial markets and management methods, applied in the field of financial transactions, it can solve the problems of unfriendly customers, inflexibility, unclear security occupation, etc., and achieve the effect of reducing bank risks, flexible occupation and release.

Pending Publication Date: 2021-06-11
CHINA CITIC BANK
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] However, using the total amount of the guarantee group for transactions, the specific occupation of each guarantee is unknown, and the proportion of each guarantee for each transaction is unknown
Release the occupation of the guarantee group after a certain transaction expires, but if the guarantee group is still occupied by other transactions, the occupation of each guarantee by the guarantee group cannot be released
The pre-occupation of various guarantees by the guarantee group facilitates the branch to issue transactions on behalf of corporate customers, but for customers, the bank's freezing of their assets is far greater than the transaction demand, which is not friendly and inflexible to customers

Method used

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  • Traceable financial market transaction guarantee management method and device, equipment and medium
  • Traceable financial market transaction guarantee management method and device, equipment and medium
  • Traceable financial market transaction guarantee management method and device, equipment and medium

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Embodiment Construction

[0069] The present application is described in detail below, and examples of embodiments of the present application are shown in the drawings, wherein the same or similar reference numerals denote the same or similar components or components having the same or similar functions throughout.

[0070] Those skilled in the art can understand that, unless otherwise defined, all terms (including technical terms and scientific terms) used herein have the same meanings as commonly understood by those of ordinary skill in the art to which this application belongs. It should also be understood that terms, such as those defined in commonly used dictionaries, should be understood to have meanings consistent with their meaning in the context of the prior art, and unless specifically defined as herein, are not intended to be idealized or overly Formal meaning to explain.

[0071] Those skilled in the art will understand that unless otherwise stated, the singular forms "a", "an", "said" and ...

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Abstract

The invention provides a traceable financial market transaction guarantee management method and device, equipment and a medium. The method comprises the following steps: establishing at least one credit voucher of a target customer, and establishing at least one pledge voucher of the target customer; when the target customer initiates a financial transaction, according to the transaction amount of the financial transaction, occupying the available balance of a part of the credit voucher, the available balance of a part of the pledge voucher and the available balance of a part of the deposit account of the target customer; and when it is determined that the transaction amount in the duration is changed, releasing a preset amount of occupied available balance according to the change amount of the transaction amount. According to the method, the proportion of different types of guarantee occupied by each transaction can be flexibly adjusted, real-time release of the guarantee after each transaction is finished is supported, bank risks can be reduced, flexible occupation and release of customer funds are realized, and customer marketing by branch banks is facilitated.

Description

technical field [0001] The present application relates to the technical field of financial transactions. Specifically, the present application relates to a traceable financial market transaction guarantee management method, device, equipment and medium. Background technique [0002] Banks initiate foreign exchange and derivatives, precious metals, bulk commodities and other transactions on behalf of corporate customers. In order to reduce the risk of customer default, they need to use credit, margin, collateral, etc. as guarantees. The existing system defines the concept of guarantee group, which pre-occupies various guarantees and kneads them into an overall quota. When the bank initiates a transaction on behalf of the client, it will guarantee the transaction according to the amount of the transaction from the guarantee group. After the transaction is completed, the occupied quota will be released back to the guarantee group. [0003] However, using the total amount of t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q40/04
CPCG06Q40/02G06Q40/04
Inventor 任诗贾耀龙卢欣华彭必扬阮照洋
Owner CHINA CITIC BANK
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