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Use method for the third party telecommunication pressing payment for loan honest management system

A management system, honest technology, applied in digital data processing, special data processing applications, record carriers used by machines, etc., can solve the problem of unsatisfactory results, the inability of lenders to dynamically supervise and urge payment, and the effective management of bank funds. and value-added issues, so as to reduce loan risks and costs, facilitate timely access to loans, and improve the return rate of funds.

Inactive Publication Date: 2005-04-27
陆航程
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] With the development of the national economy, the demand for student loans, laid-off (demobilization) re-employment (entrepreneurship) loans, lifelong education loans, car purchase loans, house purchase loans, travel loans, and other personal loans, as well as small and medium-sized enterprise loans, is increasing. However, due to Lacking individual and corporate integrity assessment management and supervision mechanisms, banks naturally need to avoid lending risks and pursue large-scale loans to state-owned enterprises with financial support. Some policy loans related to social stability and fairness can only be promoted by government administrative means
[0003] Under temporary policy supervision, there are often blind loans from banks, and individual lenders (in order to distinguish them from ordinary borrowers, here specifically refers to borrowers who obtain loans from banks, the same below) maliciously default on loans, and banks are unable to implement Real-time dynamic supervision and reminders. The pledge and pledges collected by the bank cannot effectively promote the repayment, which makes the bank often blindly lend a large amount of financial products in the early stage of the market, resulting in a large number of bad debts. Pursuing payment, and then tightening the vicious cycle of lending, is not conducive to the effective management and value-added of bank funds, is not conducive to the creation and implementation of new financial products, and the normal loan needs of the society cannot be met in a timely manner.
For the sake of social stability, the state has arranged a huge guarantee fund to provide guarantees and interest discounts for poor students and laid-off workers to obtain loans. Because this kind of guarantee is out of touch with the creditor's sense of integrity and behavior, the effect is often unsatisfactory. There is no effective technical system and management mechanism for loan collection, a complete credit evaluation management system has not been established in our country, and there is no extensive and in-depth sense of integrity and behavioral norms in all social strata. There is an urgent need for an effective The advanced technical means and management mechanism make my country's financial risk management transition from policy management orientation to market management orientation, and make the lender's sense of integrity and behavior norms effectively managed and reflected.

Method used

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  • Use method for the third party telecommunication pressing payment for loan honest management system
  • Use method for the third party telecommunication pressing payment for loan honest management system
  • Use method for the third party telecommunication pressing payment for loan honest management system

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0063] 1. Introduce a new financial product

[0064] A small consumer loan is generally provided to college students. Its target customer group is not poor students who account for about 20% of the total number of college students. amount of consumer credit”.

[0065] In order to reduce the burden of banking business and at the same time exercise the financial management ability of college students, the student union takes the lead in establishing a "virtual integrity bank" in the university. The third-party loan integrity management agency provides credit guarantee for the university's "virtual integrity bank" and applies to the bank uniformly. Obtain small consumer loans for college students. College students can apply for an integrity loan card (2) from the "Virtual Integrity Bank" as soon as they enroll (see figure 1), obtain an integrity identity code (1), college students can use this integrity credit card (2), and pay a pledge deposit of 100 yuan to a third-party loan...

Embodiment 2

[0073] With the integrity guarantee provided by the creditworthiness management system of the third-party telecommunications call loan of the present invention, and the "entrepreneurship training", project evaluation guidance, project implementation guidance and other measures organized by the community management agency, the bank launched a "small cash pledge dynamic Supervision, monthly equal installment telecommunication call for repayment" business loan varieties, generally provide a one-time 20,000 yuan business loan to laid-off workers, demobilized soldiers and unemployed people, the loan period is 24 months, starting from the fifth month of the loan, every month The monthly repayment of the loan principal is 1,000 yuan, the loan interest is paid in one lump sum, and the loan pledge is 2,000 yuan.

[0074] For example, Lao Liu applied for a good faith loan card from the bank and paid a deposit of 2,000 yuan as a pledge. Information such as the amount, date and amount of ...

Embodiment 3

[0076] 1. Launch a new financial product "National Lifelong Education Loan"

[0077] In order to generally improve the quality of citizens, the China Development Bank relies on the "third-party credit management agency" to launch a policy-based loan "National Lifelong Education Loan" for those who are willing to study for a master's or doctor's degree through distance education, or for further professional knowledge and professional education. Skilled on-the-job personnel are provided with financial support.

[0078] 2. Implementation method

[0079] Xiao Liu is a college graduate working in a factory research institute. In his work practice, he found that in order to complete his job development work, he needs to learn more professional knowledge. He decided to study for a doctorate, so he proposed a total of 100,000 yuan to the China Development Bank. For the 20-year "National Lifelong Education Loan" application, Xiao Liu submitted the relevant materials and submitted a pl...

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Abstract

The third party telecom loan repayment promoting management system sends the loan repayment promoting information automatically and regularly based on the debit and credit protocol to realize loan repayment supervision. It can also realize loan repayment account management, loan repayment promoting, credit grading, credit record inquiry, on-line repayment, on-line replenishment of cash pledge, etc. The system and method of the present invention is favorable to establishment of loanee's credit consciousness and lowering the bank's loaning risk.

Description

technical field [0001] The invention relates to a method for establishing and using a third-party credit card credit management system for telecommunication urging loans, a method for automatically sending telecommunication urging information and regularly urging due loans according to loan rules and loan agreements, and realizing loan repayment account supervision and urging Loan payment, cash pledge account dynamic supervision, integrity rating, real-time supervision and service of integrity record inquiry, online repayment, online supplement of pledge deposit, especially a kind of "dynamic supervision of small cash pledge, monthly equal installment telecommunication reminder money" management method. Background technique [0002] With the development of the national economy, the demand for student loans, laid-off (demobilization) re-employment (entrepreneurship) loans, lifelong education loans, car purchase loans, house purchase loans, trav...

Claims

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Application Information

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IPC IPC(8): G06F17/30G06K19/08
Inventor 陆航程
Owner 陆航程
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