Commercial housing presale payment supervision scene-based warranty management method

Abstract

The invention discloses a warranty management method based on a commercial housing presale supervision scene. The method comprises the following steps: S1, triggering a fund pool and warranty parameter adjustment according to warranty use, warranty replacement, warranty reduction, project progress declaration, entry and payment services; s2, calculating parameter values of a fund pool and a warranty; and S3, monitoring the fund pool according to the adjustment of each parameter value, and storing overflow fund data exceeding the fund pool within the quota to a fund pool outside the quota. According to the technical scheme of the invention, the risk of an enterprise in the fund flow process is reduced, the convenience of fund supervision is improved, and the ability of each party to control and predict the use state of the warrant is enhanced.

Description

Technical Field

[0001] The present invention relates to the field of code development technology, and in particular to a letter of guarantee management method based on a commodity housing pre-sale payment supervision scenario. Background Art

[0002] With the continuous development of the commodity housing pre-sale market, letters of guarantee, as an important financial tool, have been widely used in the supervision of commodity housing pre-sale funds. Effective letter of guarantee management can not only reduce the financial risk of developers' projects, but also significantly improve the efficiency of fund use. With the support of the pre-sale fund supervision system, letters of guarantee can replace funds within the supervision limit and reasonably release pre-sale supervision funds to support the liquidity of real estate companies and realize the recycling of funds. At the same time, the use of letters of guarantee ensures the responsibilities of regulatory authorities and the rights and interests of home buyers, eliminating market concerns.

[0003] However, the current guarantee management faces several challenges, including how to effectively combine the offline guarantee management process with the pre-sale fund supervision system to solve the existing problems of complex processes, insufficient relevance, untimely regular adjustments, and opaque information. Therefore, a more efficient and convenient guarantee management method is urgently needed to optimize the overall supervision process, improve the flexibility and response speed of the system, and better adapt to market changes and needs. Summary of the invention

[0004] Based on the above technical problems, the present invention proposes a guarantee management method based on the pre-sale payment supervision scenario of commercial housing, which combines the opening and submission of offline guarantees to realize multiple links such as new review, use, replacement, reduction and cancellation of association of guarantees, aiming to realize the online application of paper materials of guarantees, thereby improving the efficiency and transparency of guarantee management. The specific technical solution is as follows.

[0005] A letter of guarantee management method based on a commodity housing pre-sale payment supervision scenario includes the following steps:

[0006] Step S1: trigger the adjustment of the fund pool and guarantee parameters according to the guarantee use, guarantee replacement, guarantee reduction, project progress declaration, account entry and payment business;

[0007] Step S2: Calculate the parameter values ​​of the fund pool and the letter of guarantee;

[0008] Step S3: supervise the fund pool according to the adjustment of each parameter value, and store the overflow fund data exceeding the within-quota fund pool in the out-of-quota fund pool.

[0009] Specifically, the letter of guarantee use business is associated and bound with a specific supervision agreement. The recognized amount that can be replaced by the letter of guarantee is determined based on the letter of guarantee amount, the supervision limit and relevant information of the project nodes, and the letter of guarantee replaces the funds in the fund pool within the supervision limit that are equal to the recognized amount. The use of the letter of guarantee includes enterprise application and district and county review. After the review is completed, the funds within the supervision limit corresponding to the recognized amount will be transferred to the fund pool outside the supervision limit and can be withdrawn by the enterprise.

[0010] Specifically, it also includes the guarantee cancellation mechanism:

[0011] Apply for cancellation of a valid letter of guarantee that is not associated with a binding agreement. The cancelled letter of guarantee cannot be used again.

[0012] The letter of guarantee with a recognized amount of zero will be unlinked from the regulatory agreement, including automatic cancellation in the letter of guarantee replacement scenario and automatic cancellation upon lifting of supervision.

[0013] Specifically, the guarantee reduction business is automatically implemented when the project engineering progress is completed. According to the supervision limit, engineering progress, guarantee ratio, supervision scope and business factors, the recognized amount of the guarantee and the cash to be retained at the node will be automatically reduced in proportion, and the reduction result will be used for the calculation of funds for the subsequent withdrawal threshold.

[0014] Specifically, the letter of guarantee replacement business includes replacing the letter of guarantee with own funds and replacing the original letter of guarantee with a new letter of guarantee. The specific business of replacing the letter of guarantee with own funds is: depositing the own cash into the regulatory fund pool and replacing it with the corresponding letter of guarantee; on the premise of ensuring that the regulatory fund pool can meet the needs of project construction, the association between the letter of guarantee and the regulatory agreement is released, the letter of guarantee is automatically cancelled, and the paper copy of the letter of guarantee is retrieved offline.

[0015] Specifically, the replacement of the original letter of guarantee with a new letter of guarantee includes: replacing the unused letter of guarantee that has been reviewed and approved with the associated letter of guarantee under the regulatory agreement, disassociating the letter of guarantee under the associated regulatory agreement, and having the new letter of guarantee assume the financial liability involved in the original letter of guarantee in the agreement.

[0016] Beneficial effects of the present invention: The present invention proposes a letter of guarantee management method based on the pre-sale fund supervision scenario of commercial housing, which realizes the full access of the letter of guarantee as a form of funds, responds to the supervision requirements of the whole process of pre-sale funds, and enables the letter of guarantee to replace the funds within the supervision limit. At the same time, the recognized amount of the letter of guarantee is dynamically lowered according to the progress of the project construction, which facilitates the reasonable use of pre-sale supervision funds by high-quality real estate companies. This mechanism effectively prevents and resolves the risks of pre-sale fund supervision, provides good protection for fund liquidity, and provides strong technical support for promoting the stable and healthy development of the real estate market, with the following technical effects:

[0017] (1) By implementing a closed management mechanism for the entire process of the letter of guarantee, from the date the paper document of the letter of guarantee is submitted to the regulatory department until the supervision is lifted or the company successfully replaces the letter of guarantee and retrieves it, ensure that all operations are carried out in a traceable environment. This comprehensive management can effectively prevent human errors and information asymmetry during the use of the letter of guarantee, and help improve the efficiency and accuracy of the letter of guarantee processing. By establishing an information recording and tracking mechanism, ensure that all participants can keep abreast of the latest developments of the letter of guarantee, improve collaboration efficiency, and enhance the trust of the system.

[0018] (2) By establishing a "one-to-one" or "one-to-many" mechanism linking letters of guarantee and regulatory agreements, the letter of guarantee, as a form of funds, replaces the regulatory funds, thereby releasing the corresponding funds in the fund pool within the regulatory limit. This mechanism can improve the flexibility of the company's use of funds during the construction process, ensure the rational flow of funds at different stages, reduce the risks of the company in the process of capital flow, improve the convenience of capital supervision, and at the same time enhance the control and prediction capabilities of all parties over the use of the letter of guarantee.

[0019] (3) An automatic reduction mechanism for the recognized amount of the letter of guarantee is proposed. This mechanism automatically reduces the recognized amount of the letter of guarantee in the fund pool when the project reaches the corresponding progress node. This ensures that the effective amount of the letter of guarantee matches the actual project needs in real time, optimizes the allocation of funds, and reasonably releases corporate funds, thereby effectively avoiding waste or shortage of funds caused by untimely adjustments. In addition, the mechanism can also respond to changes in project progress in a timely manner, enhance the adaptability of capital circulation, and improve the efficiency of capital use.

[0020] (4) It provides a comprehensive information recording and tracing mechanism, enabling all parties involved to understand the latest status of the letter of guarantee, related information, fund usage records and other information in real time, thereby enhancing the trust and collaboration among all parties and improving the compliance and effectiveness of overall supervision. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] Figure 1 It is an architecture diagram of a guarantee management method based on a commodity housing pre-sale payment supervision scenario of the present invention. DETAILED DESCRIPTION

[0022] In order to have a clearer understanding of the technical features, purposes and effects of the present invention, specific embodiments of the present invention are now described with reference to the accompanying drawings.

[0023] A guarantee management method based on the commodity housing pre-sale fund supervision scenario, such as Figure 1 As shown, the following steps are included:

[0024] Step S1: trigger the adjustment of the fund pool and guarantee parameters according to the guarantee use, guarantee replacement, guarantee reduction, project progress declaration, account entry and payment business;

[0025] Step S2: Calculate the parameter values ​​of the fund pool and the letter of guarantee;

[0026] Step S3: supervise the fund pool according to the adjustment of each parameter value, and store the overflow fund data exceeding the within-quota fund pool in the out-of-quota fund pool.

[0027] In this embodiment, the guarantee letter usage business is associated and bound with a specific supervision agreement. The recognized amount that can be replaced by the guarantee letter is determined based on the guarantee letter amount, the supervision limit and relevant information of the project node, and the guarantee letter replaces the funds in the supervision limit fund pool equal to the recognized amount. The guarantee letter usage includes enterprise application and district and county review. After the review is completed, the funds within the supervision limit corresponding to the recognized amount will be transferred to the supervision limit fund pool and can be withdrawn by the enterprise.

[0028] In this embodiment, a guarantee cancellation mechanism is also included:

[0029] Apply for cancellation of a valid letter of guarantee that is not associated with a binding agreement. The cancelled letter of guarantee cannot be used again.

[0030] The letter of guarantee with a recognized amount of zero will be unlinked from the regulatory agreement, including automatic cancellation in the letter of guarantee replacement scenario and automatic cancellation upon lifting of supervision.

[0031] In this embodiment, the guarantee reduction business is automatically implemented when the project engineering progress is completed. According to the supervision limit, engineering progress, guarantee ratio, supervision scope and business factors, the recognized amount of the guarantee and the cash to be retained at the node are automatically reduced in proportion, and the reduction result is used for the calculation of funds for the subsequent withdrawal threshold.

[0032] In this embodiment, the letter of guarantee replacement business includes replacing the letter of guarantee with own funds and replacing the original letter of guarantee with a new letter of guarantee. The specific method of replacing the letter of guarantee with own funds is: depositing the own cash into the regulatory fund pool and replacing it with the corresponding letter of guarantee; on the premise of ensuring that the regulatory fund pool can meet the needs of project construction, the association between the letter of guarantee and the regulatory agreement is released, the letter of guarantee is automatically cancelled, and the paper copy of the letter of guarantee is retrieved offline.

[0033] In this embodiment, replacing the original letter of guarantee with a new letter of guarantee specifically includes: replacing the approved unused letter of guarantee with the associated supervision agreement letter of guarantee, disassociating the letter of guarantee associated with the supervision agreement, and having the new letter of guarantee assume the financial liability involved in the original letter of guarantee in the agreement.

[0034] In one embodiment, the design of the letter of guarantee should follow the following principles:

[0035] (1) Meeting the existing demand and future uncertain demand for letter of guarantee business;

[0036] (2) The impact on the existing business and logic of the pre-sale fund supervision system should be as small as possible;

[0037] (3) Minimize pollution to existing fund accounts and fund composition;

[0038] (4) The outflow and transfer of funds can be traced, and even the withdrawal of funds can be processed to achieve data reversibility.

[0039] The concepts of service parameters involved in the present invention are shown in Table 1:

[0040] Table 1

[0041]

[0042] In one embodiment, a new letter of guarantee is added: the basic properties of the letter of guarantee are maintained to ensure that the letter of guarantee has not been used and actually exists; support the entry of the basic content of the letter of guarantee and the upload of the essential information of the letter of guarantee, and record the operation node log of the letter of guarantee application process; the new letter of guarantee must go through the approval process of enterprise application, bank verification, district and county review and municipal bureau spot check, with a focus on reviewing the authenticity of the letter of guarantee; the new letter of guarantee is only an offline information collection of the paper document data of the letter of guarantee, and does not affect the fund pool data.

[0043] In one embodiment, the use of the letter of guarantee specifically includes: for a valid letter of guarantee that has been reviewed, the present invention provides a way to bind it to a specific supervision agreement. The amount that can be replaced by the letter of guarantee (hereinafter referred to as the "recognized amount") is determined based on relevant information such as the amount of the letter of guarantee, the supervision limit, and the project nodes, and the letter of guarantee replaces the funds in the fund pool within the supervision limit that are equal to the recognized amount. The same supervision agreement supports the use of multiple letters of guarantee, and the replacement amount of the letter of guarantee shall not exceed 30% of the supervision funds; the use process of the letter of guarantee includes two steps: enterprise application and district and county review. After the review is completed, the funds within the supervision limit corresponding to the recognized amount will be transferred to the fund pool outside the supervision limit, and the enterprise can withdraw them at its own discretion.

[0044] In this embodiment, the impact of the use of the letter of guarantee on the fund pool and the parameter adjustment and calculation method are as follows:

[0045] Regulatory limit a: No impact, parameters remain unchanged.

[0046] Guarantee amount c: no impact, parameters remain unchanged.

[0047] Guaranteed amount h: [Guaranteed amount] = Guaranteed amount generated by guarantee-related business. The Guaranteed amount of each guarantee shall not exceed the Guaranteed Amount of the Guarantee (h≤c).

[0048] The total recognized amount of the guarantee in the supervision agreement d: [the total recognized amount of the guarantee in the supervision agreement] = the sum of all the recognized amounts of the guarantee associated with the supervision agreement. The total recognized amount of the guarantee in each supervision agreement must be less than or equal to the maximum recognized amount of the guarantee in the supervision agreement (i.e. d = h1 + h2 + ... + h, d ≤ g).

[0049] The maximum guarantee amount recognized in the supervision agreement g: fixed value, unchanged.

[0050] Amount credited within the regulatory limiti:

[0051] There are three situations:

[0052] 1. When [Amount credited within the regulatory limit] is less than [Amount of cash to be retained within the limit], and [Amount credited within the regulatory limit] + [Total amount of guarantee recognized in the regulatory agreement] is greater than [Balance to be retained within the regulatory limit], [Amount credited within the regulatory limit] = [Amount of cash to be retained within the limit] (i.e., when i < f, and i + d > e, i = f);

[0053] 2. When [the amount credited within the regulatory limit] is less than [the amount of cash to be retained within the limit], and [the amount credited within the regulatory limit] + [the total amount of guarantee recognized in the regulatory agreement] is less than or equal to [the balance to be retained within the regulatory limit], it remains unchanged (i.e., when i<f, and i+d≤e, it remains unchanged);

[0054] 3. When [amount credited within the regulatory limit] is greater than or equal to [amount of cash to be retained within the limit], [amount credited within the regulatory limit] = [amount credited within the regulatory limit] - [amount recognized by letter of guarantee] (i.e. when i ≥ f, i = ih).

[0055] Amount that can be withdrawn within the regulatory limitj:

[0056] There are three situations:

[0057] 1. When [Amount credited within the regulatory limit] is less than [Amount of cash to be retained within the limit], and [Amount credited within the regulatory limit] + [Total amount of guarantee recognized in the regulatory agreement] is greater than [Balance to be retained within the regulatory limit], [Amount available for withdrawal within the regulatory limit] = [Amount available for withdrawal within the regulatory limit] - [Amount transferred from within the limit to outside the limit (order)] (i.e., when i < f, and i + d > e, j = jm = j-[h-(fi)]);

[0058] 2. When [the amount credited within the regulatory limit] is less than [the amount of cash to be retained within the limit], and [the amount credited within the regulatory limit] + [the total amount of guarantee recognized in the regulatory agreement] is less than or equal to [the balance to be retained within the regulatory limit], it remains unchanged (i.e., when i<f, and i+d≤e, it remains unchanged);

[0059] 3. When [amount credited within the regulatory limit] is greater than or equal to [amount of cash to be retained within the limit], [amount available for withdrawal within the regulatory limit] = [amount available for withdrawal within the regulatory limit] - [amount recognized by letter of guarantee] (i.e. when i ≥ f, i = ih).

[0060] Amount of deposit outside the regulatory limit k:

[0061] There are three situations:

[0062] 1. When [Amount credited within the regulatory limit] is less than [Amount of cash to be retained within the limit], and [Amount credited within the regulatory limit] + [Total recognized amount of guarantee in the regulatory agreement] is greater than [Balance to be retained within the regulatory limit], [Amount credited outside the regulatory limit] = [Amount credited outside the regulatory limit] + [Amount transferred from within the limit to outside the limit (order)] (i.e., when i < f, and i + d > e, k = k + m = k + [h - (fi)]);

[0063] 2. When [the amount credited within the regulatory limit] is less than [the amount of cash to be retained within the limit], and [the amount credited within the regulatory limit] + [the total amount of guarantee recognized in the regulatory agreement] is less than or equal to [the balance to be retained within the regulatory limit], it remains unchanged (i.e., when i<f, and i+d≤e, it remains unchanged);

[0064] 3. When [amount recorded within the regulatory limit] is greater than or equal to [amount of cash to be retained within the limit], [amount recorded outside the regulatory limit] = [amount recorded outside the regulatory limit] + [amount recognized by letter of guarantee] (i.e. when i ≥ f, k = k + h).

[0065] Amount that can be withdrawn outside the regulatory limit:

[0066] There are three situations:

[0067] 1. When [the amount credited within the regulatory limit] is less than [the amount of cash to be retained within the limit], and [the amount credited within the regulatory limit] + [the total amount of the guarantee recognized in the regulatory agreement] is greater than [the balance to be retained within the regulatory limit], (i.e. when i < f, and i + d > e, l = l + m = l + [h - (fi)]);

[0068] [Amount available for withdrawal outside the regulatory limit] = [Amount available for withdrawal outside the regulatory limit] + [Amount transferred from within the limit to outside the limit (single)]

[0069] 2. When [the amount credited within the regulatory limit] is less than [the amount of cash to be retained within the limit], and [the amount credited within the regulatory limit] + [the total amount of guarantee recognized in the regulatory agreement] is less than or equal to [the balance to be retained within the regulatory limit], it remains unchanged (i.e., when i<f, and i+d≤e, it remains unchanged);

[0070] 3. When [amount deposited within the regulatory limit] is greater than or equal to [amount of cash to be retained within the limit], [amount available for withdrawal outside the regulatory limit] = [amount available for withdrawal outside the regulatory limit] + [amount recognized by letter of guarantee] (when i ≥ f, l = l + h).

[0071] Amounts recorded in unclear accounts: no impact, unchanged.

[0072] Bank account balance: no impact, unchanged.

[0073] Amount transferred from within the regulatory limit to outside the regulatory limit (order) m: When [amount credited within the regulatory limit] is less than [amount of cash to be retained within the regulatory limit], and [amount credited within the regulatory limit] + [total recognized amount of the letter of guarantee in the regulatory agreement] is greater than [balance to be retained in the regulatory limit], [amount transferred from within the regulatory limit to outside the regulatory limit (order)] = [recognized amount of the letter of guarantee] - ([amount of cash to be retained within the regulatory limit] - [amount credited within the regulatory limit]), other conditions remain unchanged (when i<f, and i+d>e, m=h-(fi), other conditions remain unchanged).

[0074] The amount transferred from within the credit limit to outside the credit limit (total) n: n = m1 + m2 + ... + m (i.e. the sum of the amount transferred from within the credit limit to outside the credit limit (order) m).

[0075] The amount of regulatory quota that should be retained is e: no impact, the parameters remain unchanged. The regulatory quota is drawn according to the construction nodes and is calculated based on credit.

[0076] The cash amount f to be retained within the credit limit is: [the cash amount to be retained within the credit limit] = [the balance to be retained in the regulatory credit limit] - [the total recognized amount of the letter of guarantee in the regulatory agreement] (f = ed, d = h1 + h2 + ... + h).

[0077] In one embodiment, the guarantee reduction process is automatically implemented when the project progress is completed. Specifically, the recognized amount of the guarantee and the cash to be retained at the node are automatically reduced in proportion based on multiple factors such as the supervision limit, project progress, guarantee ratio, supervision scope and business format. The reduction result will be used for the subsequent calculation of the funds that can be withdrawn.

[0078] The impact of the reduction of the letter of guarantee on the capital pool is as follows:

[0079] Regulatory limit a: No impact, parameters remain unchanged.

[0080] Guarantee amount c: no impact, parameters remain unchanged.

[0081] Guaranteed amount h: It is reduced in proportion to the withdrawal node, etc., and can be manually changed according to the reduction business. [Guaranteed amount] = [Guaranteed amount] * Project progress node coefficient * Credit floating coefficient. The guaranteed amount of each guarantee letter shall not exceed the guaranteed amount of the guarantee letter (h≤c).

[0082] The total recognized amount of the guarantee in the supervision agreement d: [the total recognized amount of the guarantee in the supervision agreement] = the sum of all the recognized amounts of the guarantee associated with the supervision agreement. The total recognized amount of the guarantee in each supervision agreement must be less than or equal to the maximum recognized amount of the guarantee in the supervision agreement (d = h1 + h2 + ... + h, d ≤ g).

[0083] Maximum guarantee amount g in the regulatory agreement: no impact, parameters remain unchanged.

[0084] The amount i credited within the regulatory limit has no impact and the parameters remain unchanged.

[0085] Amount that can be withdrawn within the regulatory limit j: No impact, parameters remain unchanged.

[0086] Amount of deposits outside the regulatory limit k: no impact, parameters remain unchanged.

[0087] Amount that can be withdrawn outside the regulatory limit l: No impact, parameters remain unchanged.

[0088] Amount of unknown entries into the sub-account: no impact, parameters remain unchanged.

[0089] Bank account balance: no impact, parameters remain unchanged.

[0090] Transfer amount within the credit limit to amount outside the credit limit order m: no impact, parameters remain unchanged.

[0091] Total amount n transferred from within the credit limit to outside the credit limit: no impact, parameters remain unchanged.

[0092] The regulatory quota should retain an amount e: which changes with changes in project construction nodes and credit floating ratios.

[0093] The amount of cash to be retained within the credit limit f: [the amount of cash to be retained within the credit limit] = [the balance to be retained in the regulatory credit limit] * the withdrawal retention ratio coefficient at the project construction node * the credit floating ratio.

[0094] In one embodiment, the guarantee replacement process includes two specific scenarios: one is that the developer replaces the guarantee with its own funds, and the other is that the developer replaces the original guarantee with a new one.

[0095] In the scenario of replacing the letter of guarantee with own funds, this solution supports enterprises to deposit their own cash into the supervision fund pool and replace it with the corresponding letter of guarantee. On the premise of ensuring that the supervision fund pool can meet the needs of project construction, the enterprise can cancel the association between the letter of guarantee and the supervision agreement, automatically cancel the letter of guarantee, and then retrieve the paper copy of the letter of guarantee offline.

[0096] In the scenario where a new letter of guarantee replaces the original one, the unused letter of guarantee that has been reviewed and approved can be replaced with the letter of guarantee associated with the regulatory agreement, thereby disassociating the letter of guarantee associated with the regulatory agreement, and the new letter of guarantee assumes the financial liability involved in the original letter of guarantee in the agreement.

[0097] The impact of letter of guarantee replacement on the capital pool is as follows:

[0098] Regulatory limit a: No impact, parameters remain unchanged.

[0099] Guarantee amount c: no impact, parameters remain unchanged.

[0100] Guarantee Recognition Amount h The [Guarantee Recognition Amount] of the replaced letter of guarantee is cleared; the [Guarantee Recognition Amount] of the replaced letter of guarantee is generated based on the business.

[0101] The total recognized amount of the guarantee in the regulatory agreement d: If the guarantee is replaced, the parameter remains unchanged; if it is replaced with cash, the [recognized amount of the guarantee] of the replaced guarantee will be reduced. [Total recognized amount of the guarantee in the regulatory agreement] = the sum of all recognized amounts of the guarantee associated with the regulatory agreement. The total recognized amount of the guarantee in each regulatory agreement must be less than or equal to the maximum recognized amount of the guarantee in the regulatory agreement (d = h1 + h2 + ... + h, d ≤ g).

[0102] Maximum guarantee amount g in the regulatory agreement: no impact, parameters remain unchanged.

[0103] Amount credited within the regulatory limiti:

[0104] There are two situations:

[0105] 1. Replace with letter of guarantee: no impact, parameters remain unchanged

[0106] 2. Replacement with cash: [Amount credited within the regulatory limit] = [Amount credited within the regulatory limit] + [Guarantee Recognition Amount] of the replaced letter of guarantee (the replacement cash amount must be equal to the [Guarantee Recognition Amount] of the replaced letter of guarantee).

[0107] The amount that can be withdrawn within the regulatory limit is divided into two situations:

[0108] 1. Replace with letter of guarantee: no impact, parameters remain unchanged

[0109] 2. Replacement with cash: [Amount credited within the regulatory limit] = [Amount credited within the regulatory limit] + [Guarantee Recognition Amount] of the replaced letter of guarantee (the replacement cash amount must be equal to the [Guarantee Recognition Amount] of the replaced letter of guarantee).

[0110] Amount of deposits outside the regulatory limit k: no impact, parameters remain unchanged.

[0111] Amount that can be withdrawn outside the regulatory limit l: No impact, parameters remain unchanged.

[0112] Amount of unknown entries into the sub-account: no impact, parameters remain unchanged.

[0113] Bank account balance: no impact, parameters remain unchanged.

[0114] Transfer amount within the credit limit to amount outside the credit limit order m: no impact, parameters remain unchanged.

[0115] Total amount n transferred from within the credit limit to outside the credit limit: no impact, parameters remain unchanged.

[0116] The amount of regulatory quota that should be retained is e: no impact, the parameters remain unchanged. The regulatory quota is drawn according to the construction nodes and is calculated based on credit.

[0117] Amount of cash to be retained within the credit limit f: [Amount of cash to be retained within the credit limit] = [Balance to be retained in the regulatory credit limit] - [Total recognized amount of guarantee under the regulatory agreement] = [Amount of cash to be retained within the credit limit] + replacement cash amount (f = ed, d = h1 + h2 + ... + h).

[0118] Replacement cash amount: Deposited into the regulatory sub-account in advance, the amount will be in an unknown account status before replacement.

[0119] In this embodiment, a guarantee cancellation mechanism is provided to support the cancellation application of a valid guarantee that is not associated with an agreement. The cancellation application process includes the enterprise submitting an application, the bank and the locality conducting an audit, and the municipal bureau conducting a spot check. The cancelled guarantee cannot be used again.

[0120] Another type of cancellation involves unlinking a letter of guarantee with a zero amount from the regulatory agreement. This mechanism also includes automatic cancellation in the case of letter of guarantee replacement and automatic cancellation for regulatory release, which aims to untie the used letter of guarantee from the related business to prevent repeated use. The cancellation of the letter of guarantee has no impact on the capital pool.

[0121] The present invention effectively solves the problems of complicated guarantee management and opaque process in the prior art by setting a clear guarantee management process, and provides an efficient, convenient and safe management method for the supervision of commodity housing pre-sale funds. The method is practical and feasible, can improve the fund management level in the industry, and promote the healthy development of the commodity housing pre-sale market.

[0122] The basic principles and main features of the present invention and the advantages of the present invention are shown and described as follows. It should be understood by those skilled in the art that the present invention is not limited by the above embodiments, and the above embodiments and descriptions are only for explaining the principles of the present invention. Without departing from the spirit and scope of the present invention, the present invention may have various changes and improvements, and these changes and improvements fall within the scope of the present invention to be protected. The scope of protection of the present invention is defined by the attached claims and their equivalents.

Claims

1. A letter of guarantee management method based on the commodity housing pre-sale payment supervision scenario, characterized in that: The following steps are involved: Step S1: trigger the adjustment of the fund pool and guarantee parameters according to the guarantee use, guarantee replacement, guarantee reduction, project progress declaration, account entry and payment business; Step S2: Calculate the parameter values ​​of the fund pool and the letter of guarantee; Step S3: supervise the fund pool according to the adjustment of each parameter value, and store the overflow fund data exceeding the within-quota fund pool in the out-of-quota fund pool.

2. A guarantee letter management method based on the commodity housing pre-sale payment supervision scenario according to claim 1, characterized in that: The letter of guarantee usage business is associated and bound with the specific supervision agreement. The recognized amount that can be replaced by the letter of guarantee is determined based on the letter of guarantee amount, the supervision limit and relevant information of the project nodes, and the letter of guarantee replaces the funds in the fund pool within the supervision limit that are equal to the recognized amount. The use of the letter of guarantee includes enterprise application and district and county review. After the review is completed, the funds within the supervision limit corresponding to the recognized amount will be transferred to the fund pool outside the supervision limit and can be withdrawn by the enterprise.

3. According to claim 1, a guarantee letter management method based on the commodity housing pre-sale payment supervision scenario is characterized in that: It also includes the guarantee cancellation mechanism: Apply for cancellation of a valid letter of guarantee that is not associated with a binding agreement. The cancelled letter of guarantee cannot be used again. The letter of guarantee with a recognized amount of zero will be unlinked from the regulatory agreement, including automatic cancellation in the letter of guarantee replacement scenario and automatic cancellation upon lifting of supervision.

4. A guarantee management method based on the commodity housing pre-sale payment supervision scenario according to claim 1, characterized in that: The guarantee reduction business is automatically implemented when the project progress is completed. The recognized amount of the guarantee and the cash to be retained at the node will be automatically reduced in proportion based on the supervision amount, project progress, guarantee ratio, supervision scope and business factors. The reduction result will be used for the calculation of funds for subsequent withdrawal thresholds.

5. According to claim 1, a guarantee letter management method based on the commodity housing pre-sale payment supervision scenario is characterized in that: The letter of guarantee replacement business includes replacing the letter of guarantee with own funds and replacing the original letter of guarantee with a new letter of guarantee. The specific business of replacing the letter of guarantee with own funds is: depositing the own cash into the regulatory fund pool and replacing it with the corresponding letter of guarantee; on the premise of ensuring that the regulatory fund pool can meet the needs of project construction, the relationship between the letter of guarantee and the regulatory agreement is released, the letter of guarantee is automatically cancelled, and the paper copy of the letter of guarantee is retrieved offline.

6. A guarantee letter management method based on the commodity housing pre-sale payment supervision scenario according to claim 5, characterized in that: The replacement of the original letter of guarantee with a new letter of guarantee specifically includes: replacing the unused letter of guarantee that has been reviewed and approved with the letter of guarantee that has been associated with the regulatory agreement, disassociating the letter of guarantee that has been associated with the regulatory agreement, and having the new letter of guarantee assume the financial liability involved in the original letter of guarantee in the agreement.

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