Online Joint Guarantee Server for Cross-Regional SME Credit
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Solution Overview
Problem
Conventional joint guarantee methods are limited by being offline, restrictive in geographical scope, and lacking comprehensive risk monitoring, resulting in a low success rate and inadequate credit establishment for small/medium-sized companies.
Innovation Solution
A method and system for processing online joint guarantees that allow users to form joint guarantee groups through various selectable types, including automatic matching, fraternity, and online initiation/participation, with a centralized server managing the process and enabling online monitoring and risk control.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If conventional offline joint guarantee method is used, then the process is simple and direct, but the geographical scope is limited and success rate is low
Solution Approach 1:
The patent introduces a server as an intermediary between users and banks to process joint guarantee applications. The server receives applications from users, matches them with suitable joint guarantee groups, and communicates with banks on behalf of the users, thereby expanding geographical scope while managing system complexity through centralized coordination.
Solution Approach 2:
The server performs multiple functions including receiving applications, validating user information, matching users with joint guarantee groups, communicating with banks, and providing feedback. This multi-functionality enables the system to handle diverse scenarios (automatic matching, fraternity, online initiation) within a single unified platform, improving adaptability without proportionally increasing complexity.
2Productivity
If bank-based matching is used, then the process is straightforward, but the success rate is greatly reduced
Solution Approach 1:
The server performs preliminary actions by pre-validating user information, pre-matching users with suitable joint guarantee groups based on criteria, and pre-preparing application packages before submission to banks. This preliminary processing increases the success rate by ensuring applications are well-prepared and matched, while maintaining ease of operation through automated matchmaking.
Solution Approach 2:
The server implements a feedback mechanism where it receives feedback from banks about application status and communicates this feedback to users. This feedback loop enables continuous improvement of matching accuracy and operation simplicity by learning from bank responses and adjusting the matching algorithm accordingly.
3Reliability
If offline monitoring mechanism is used, then the implementation is simple, but the risk control capability is inadequate
Solution Approach 1:
The patent replaces the mechanical/offline monitoring mechanism with an electronic/online monitoring system. The server automatically monitors loan status, tracks repayment behavior, and alerts relevant parties through electronic communications. This substitution significantly enhances risk control capability through continuous automated monitoring while managing complexity through standardized electronic processes.
4Loss of information
If inter-bank communication only is used, then the information exchange is limited, but the credit establishment benefit is unclear
Solution Approach 1:
The server serves as a universal information hub that collects, stores, and shares credit information with multiple stakeholders including users, banks, and joint guarantee groups. It provides standardized credit reports and information access to various parties, thereby improving information accessibility and establishing clear credit benefits for all participants in the ecosystem.
Data Source
AI summary
A method and a system are disclosed for processing online joint guarantee. After a server receives an application from a user, the server provides various types of joint guarantee grouping to the user for selection. The server creates a joint guarantee group having a unique ID according to the selection of the user, organizes the information of the joint guarantee group into a data packet and sends the data packet to a bank system to be approved. The method potentially improves the success rate of joint guarantee grouping and removes the geographical limitations. Through the Internet, the method makes it possible to join companies of different geographical locations for online joint guarantee. The method also establishes a complete online alert mechanism, and realizes computerized loan risk control to improve the business credit system.