Gold loan management method and system thereof
A management method and management system technology, applied in finance, data processing applications, instruments, etc., to achieve the effect of flexible and safe loan repayment methods
Pending Publication Date: 2021-06-18
章庆松 +1
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Problems solved by technology
[0003] The purpose of the present invention is to provide a management method and system for gold loans to solve the problems of gold loans in the lending and repayment procedures mentioned in the background art
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[0046] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.
[0047] refer to figure 1 As shown, the present invention provides a management method for gold loans, including:
[0048] Step 100, obtaining the gold mining and operation information uploaded by the gold mining enterprise applying for the gold loan;
[0049] Step 200, judging whether the gold mining and operation information satisfies the set function, if so, generating the loan information of the gold mining enterprise, and recording the information of the ...
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The invention provides a gold loan management method and a system thereof. The method comprises the following steps: acquiring gold mining and operating information uploaded by a gold mining enterprise applying for a gold loan; judging whether the gold mining and operating information meets a set function or not, and if yes, generating loan information of the gold mining enterprise; receiving production index information in a gold loan period uploaded by a gold mining enterprise, and standard gold balance information which is uploaded by a gold smelting processing enterprise and is processed and smelted according to gold submitted by the gold mining enterprise; and receiving an operation request of repayment of the gold mining enterprise, and judging whether the standard gold balance information of the gold mining enterprise meets the loan information or not. The system comprises an acquisition module, a loan generation module, a monitoring module and a loan repayment module. According to the method, the gold loan and repayment mode is flexible and safe, the development and fusion of a gold production industry chain are met, and the method has epoch-making significance.
Description
technical field [0001] The invention relates to the financial field, in particular to a gold loan management method and system. Background technique [0002] In the prior art, most banks engaged in gold loans carry out a small amount of gold loan business in non-mining enterprises. The main reason is that the way banks engage in gold loans is similar to currency loans. In order to ensure the safety of loans, banks need to use asset evaluation (benefit evaluation) mortgage guarantees or strength company guarantees or other banks' letter of credit guarantees, etc., and due to the increased procedures of gold loans in lending and repayment operations, banks and gold Mining enterprises directly choose currency loans in the loan business. As a result, gold mining companies that are most qualified and qualified to carry out gold loan business cannot enjoy the financing support of banks in this business. Contents of the invention [0003] The purpose of the present invention is...
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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 章庆松
Owner 章庆松