LENDING METHODS AND LENDING SYSTEMS

PROCEDE DE PRET ET SYSTEME DE PRET

English Abstract

A lending method and a lending system, the method comprising: according to a bank credit certificate opened via an application by a second participant, a funds management server grants a loan having a corresponding limit to a first participant, and freezes funds corresponding to the bank credit certificate (S11); according to a portion of the loan repaid by the first participant within an agreed repayment deadline, the funds management server unfreezes a portion of the funds corresponding to the bank credit certificate (S12); according to a notification sent within the repayment deadline by the second participant for repaying the remainder of the loan instead of the first participant, the funds management server transfers the remainder of the frozen funds corresponding to the bank credit certificate to a funds management account within an agreed deadline (S13). The funds management server still pays deposit interest on the funds corresponding to the bank credit certificate in a freezing period. The present invention thereby reduces the risk of default, protects the interests of the creditor, and increases the funds security of the funds management mechanism, so that the loan repayment means are more flexible and humanised.

French Abstract

L'invention concerne un procédé de prêt et un système de prêt, le procédé comprenant les opérations suivantes : selon un certificat de crédit bancaire ouvert par l'intermédiaire d'une demande par un second participant, un serveur de gestion de fonds accorde un prêt ayant une limite correspondante à un premier participant, et bloque des fonds correspondant au certificat de crédit bancaire (S11) ; selon une partie du prêt remboursée par le premier participant dans une date limite de remboursement convenue, le serveur de gestion de fonds débloque une partie des fonds correspondant au certificat de crédit bancaire (S12) ; selon une notification envoyée dans la date limite de remboursement par le second participant pour rembourser le reste du prêt à la place du premier participant, le serveur de gestion de fonds transfère le reste des fonds bloqués correspondant au certificat de crédit bancaire à un compte de gestion de fonds dans une date limite convenue (S13). Le serveur de gestion de fonds paie toujours un intérêt de dépôt sur les fonds correspondant au certificat de crédit bancaire dans une période de blocage. La présente invention réduit ainsi le risque d'anomalie, protège les intérêts du créancier, et augmente la sécurité de fonds du mécanisme de gestion de fonds, de telle sorte que les moyens de remboursement de prêt sont plus souples et humanisés.

Claims

Claims:
1. A
computer system for providing electronically secure lending transactions, the
systenl
comprising:
at least one processor;
a memory in communication with the at least one processor, the at least one
processor
configured to execute:
a lending module configured to:
electronically issue a loan amount to a first participant according to an
electronic commitment payment certificate, the electronically issuing after
electronically freezing funds in an electronic account of a second participant
corresponding to the electronic commitment payment certificate;
a first loan repayment module configured to:
automatically electronically unfreeze a part of the frozen funds
corresponding to the electronic commitment payment certificate according
to a part of the loan amount repaid by the first participant within an agreed
repayment period;
a second loan repayment module configured to:
automatically electronically allocate remaining frozen funds corresponding
to the electronic commitment payment certificate to an electronic funds-
management account within an agreed repayment period upon receiving an
electronic notification from the second participant for repaying an
outstanding loan amount on behalf of the first participant; and
a credit management module configured to:
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automatically adjust an electronic credit rating of at least one of the first
participant and the second participant by synchronizing the adjusted
electronic credit rating to a funds management credit system, thereby
increasing default costs to the first participant and reducing risk of default
while maintaining the interests of the second participant; and
a deposit interest payment module configured to calculate deposit interest on
the loan amount.
2. The system of claim 1, wherein the electronic commitment payment
certificate is an
electronic commitment payment certificate that is applied by the second
participant to a funds-
management server and generated by the funds-management server with its
account funds or
credit amount as a deposit.
3. The system of claim 1, wherein the first loan repayment module is
further configured to
allocate loan interest on the second participant's account and the funds
management account as
per preset rule.
4. The system of claim 1, wherein the deposit interest is a current deposit
interest.
5. The system of claim 1, wherein the deposit interest is an agreed fixed
deposit interest.
6. The system of claim 1, wherein the credit management module is
configured to reduce
the credit rating of the first participant after the second participant
repaying the outstanding loan
amount on behalf of the first participant.
7. The system of claim 6, the first participant's default record and credit
rating are
synchronized to a Funds-Management Credit System.
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8. The system of claim 1, wherein the credit management module is further
configured to
raise the credit rating of the second participant after the second participant
repaying the
outstanding loan amount on behalf of the first participant.
9. The system of claim 8, the first participant's default record and credit
rating are
synchronized to a Funds-Management Credit System.
10. The system of any one of claims 1 to 9, wherein the Funds Management
Credit System
includes a Central Bank Credit System.
11. The system of any one of claims 1 to 9, wherein the Funds Management
Credit System
includes other financial institution credit systems.
12. The system of claim 1 further includes a bank server.
13. The system of claim 1 further includes a financial institution's
server.
14. The system of any one of claims 1 to 13, wherein the second participant
refers to an
individual that initiates a lending intention to the first participant.
15. The system of any one of claims 1 to 14, wherein the second
participant, the first
participant and a funds management institution agreed on a loan amount, a
repayment period, a
loan interest paid to the funds management institution and other loan
information.
16. The system of any one of claims 1 to 15, wherein the frozen funds are
in an unavailable
state in the account of the second participant.
17. The system of any one of claims 1 to 16, wherein the deposit interest
is still collected by
the second participant during the freezing period.

18. The system of any one of claims 1 to 17, wherein the deposit interest
corresponding to all
the frozen funds is paid separately to the second participant.
19. The system of any one of claims 1 to 17, wherein the deposit interest
corresponding to all
the frozen funds is paid together to the second participant.
20. A computer system for providing electronically secure lending
transactions, the system
comprising:
at least one processor; and
a memory in communication with the at least one processor, the memory storing
computer-executable instructions which, when executed by the at least one
processor,
cause the computer system to:
electronically issue a loan amount to a first participant according to an
electronic
commitment payment certificate, wherein the electronic commitment payment
certificate electronically secures the lending transaction and is generated by
an
application of a second participant, the electronic issuing of the loan amount
after
electronically freezing the funds of the loan in an electronic account of a
second
participant corresponding to the electronic commitment payment certificate;
automatically electronically unfreeze a part of the frozen funds corresponding
to
the electronic commitment payment certificate according to a part of the loan
amount repaid by the first participant within an agreed repayment period;
automatically electronically allocate the remaining frozen funds corresponding
to
the electronic commitment payment certificate to a funds-management account
according to an electronic notification indicating that the second participant
intends to repay an outstanding portion of the loan amount on behalf of the
first
participant within the repayment period;
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generate, via a credit management module, an adjusted electronic credit
rating of at least one of the first participant and the second participant and
synchronize the adjusted electronic credit rating to a funds management
credit system based on the second participant repayment on behalf of the
first participant, thereby increasing default costs to the first participant
and
reducing risk of default while maintaining the interests of the second
participant; and
calculate deposit interest on the loan amount.
21. The system of claim 20, wherein the electronic commitment payment
certificate is an
electronic commitment payment certificate that is applied by the second
participant to a funds-
management server and generated by the funds-management server with its
account funds or
credit amount as a deposit.
22. The system of claim 20, wherein the computer-executable instructions,
when executed by
the at least one processor, further cause the computer system to allocate loan
interest on the
second participant's account and the funds management account as per preset
rule.
23. The system of claim 20, wherein the deposit interest is a current
deposit interest.
24. The system of claim 20, wherein the deposit interest is an agreed fixed
deposit interest.
25. The system of claim 20, wherein the credit management module is
configured to reduce
the credit rating of the first participant after the second participant
repaying the outstanding loan
amount on behalf of the first participant.
26. The system of claim 25, the first participant's default record and
credit rating are
synchronized to the Funds-Management Credit System.
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27. The system of claim 20, wherein the credit management module is further
configured to
raise the credit rating of the second participant after the second participant
repaying the
outstanding loan amount on behalf of the first participant.
28. The system of claim 27, the first participant's default record and
credit rating are
synchronized to the Funds-Management Credit System.
29. The system of any one of claims 20 to 28, wherein the Funds Management
Credit System
includes a Central Bank Credit System.
30. The system of any one of claims 20 to 28, wherein the Funds Management
Credit
System includes other financial institution credit systems.
31. The system of claim 20 further includes a bank server.
32. The system of claim 20 further includes a financial institution's
server.
33. The system of any one of claims 20 to 32, wherein the second
participant refers to an
individual that initiates a lending intention to the first participant.
34. The system of any one of claims 20 to 33, wherein the second
participant, the first
participant and a funds management institution agreed on a loan amount, a
repayment period, a
loan interest paid to the funds management institution and other loan
information.
35. The system of any one of claims 20 to 34, wherein the frozen funds are
in an unavailable
state in the account of the second participant.
36. The system of any one of claims 20 to 35, wherein the deposit interest
is still collected by
the second participant during the freezing period.
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37. The system of any one of claims 20 to 36, wherein the deposit interest
corresponding to
all the frozen funds is paid separately to the second participant.
38. The system of any one of claims 20 to 36, wherein the deposit interest
corresponding to
all the frozen funds is paid together to the second participant.
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Description

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Lending methods and lending systems
Technical Field
[0001] The present invention relates to the field of electronic information
technology, and more
particularly to a lending method and a lending system.
Background Technology
[0002] The traditional lending mainly includes the funds management
institution lending and the
private loan, is one kind of the transaction way that the creditor lends the
money to the
debtor and the debtor repays capital with interest within the agreed time
limit. Although the
traditional lending method can bring fixed income for the creditors, but also
there is the
debtor indefinitely to extend the repayment period and difficult to recover
the default risk
of loans, such default risk in private lending activities, especially in
private lending, when
the debtor defaults, its credit rating will not be affected; at the same time,
the funds from
the creditors lent to the debtor, the funds are no longer owned by the
creditors, so the
creditors at this period cannot enjoy deposit interest income. It can be seen
that the existing
lending method, especially private lending, have higher default risk and the
interests of
creditors are difficult to protect.
Technical problem
[0003] The main object of the present invention is to provide a lending method
and a lending
system designed to reduce the default risk of lending transactions and to
maintain the
interests of creditors.
Problem solving solution
Technical solutions
[0004] To achieve above purpose, this invention provides a lending method,
including below
steps:
[0005] The Funds-Management server issues the corresponding amount of the loan
to the First
Participant according to the Bank Credit Certificate opened by the application
of the
Second Participant and freezing the corresponding funds of the Bank Credit
Certificate;
[0006] The Funds-Management server unfreezes part of the funds corresponding
to the Bank
Credit Certificate according to the part of the loan repaid by the First
Participant within the
agreed repayment period;
[0007] The Funds-Management server allocates the remaining frozen funds
corresponding to the
Bank Credit Certificate to the funds management account within the agreed time
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according to the notification that the Second Participant repays the remaining
loans on
behalf of the First Participant within the loan repayment period;
[0008] Wherein the Bank Credit Certificate is an electronic commitment payment
certificate that
is applied by the Second Participant to the Funds-Management server and opened
by the
Funds-Management server with its account funds or credit amount as a deposit.
The said
Funds-Management server still count interests for the deposits for the funds
corresponding
to the said Bank Credit Certificate during the freezing period.
[0009] The present invention also provides a lending system comprising:
[0010] The lending module is arranged to issue a corresponding amount of the
loan to the First
Participant according to the Bank Credit Certificate opened by the application
of the
Second Participant and to freeze the funds corresponding to the Bank Credit
Certificate;
[0011] The first loan repayment module is configured to unfreeze a portion of
the funds
corresponding to the Bank Credit Certificate in accordance with a portion of
the loan
repaid by the First Participant within the agreed repayment period;
[0012] A second loan repayment module, is configured to allocate the remaining
frozen funds
corresponding to the Bank Credit Certificate to the funds management account
within the
repayment period according to the notification that the Second Participant
repays the
remaining loans on behalf of the First Participant;
[0013] The deposit interest payment module is arranged to calculate and pay
the deposit interest of
the funds corresponding to the Bank Credit Certificate during the freezing
period;
[0014] Wherein the Bank Credit Certificate is an electronic commitment payment
certificate that
is applied by the Second Participant to the Funds-Management server and opened
by the
Funds-Management server with its account funds or credit amount as a deposit.
The beneficial effect of the invention
Beneficial effect
[0015] The present invention provides a lending method and a lending system
which makes the
fund management institution be an actual lender by pulling the funds
management
institution into the lending transaction process. The Bank Credit Certificate
opened by the
Funds-Management server and applied by the Second Participant to and issued by
the
funds management institute works as a certificate guarantee only, and the
funds in the
Second Participant's account are only temporarily frozen when the funds
management
institution lends to the First Participant (the borrower, i.e. the debtor),
which does not affect
the acquisition of interest on the Second Participant's deposit, it is also
possible to obtain
the interest of the loan paid by the First Participant and maintain the
interests of the
creditor. The fund management institution makes the loan according to the
frozen funds of
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the creditor and improves the financial security of the fund management
institution.
Meanwhile, under the situation that the First Participant has no ability to
repay the loan, the
Second Participant is allowed to help the First Participant repay the
remaining loan,
making the repayment method more flexible and humanized. Since the fund
management
institution is the actual borrower, when the First Participant defaults, the
fund management
will requests the First Participant to make repayment, it has a deterrent
effect to the
behaviour of breach of the agreement, reducing the risk of default,
safeguarding the
interests of the Second Participant; In addition, the funds management
institution is
engaged into the lending process, making data processing more secure and fast.
[0016] In addition, by introducing the credit function, when the First
Participant is unable to repay
the remaining repayments and the Second Participant helps the First
Participant to repay
the remaining repayments, the credit rating of the First Participant is
reduced by the
Funds-Management server, so as to increase the default cost of the First
Participant, reduce
the risk of default, and further safeguard the interests of the Second
Participant, that is, the
creditor.
A brief description of the drawings
Brief Description
[0017] Figure 1 is a flowchart of the first example of the lending method of
the present invention;
[0018] Figure 2 is an interactive schematic diagram of a First Participant, a
Funds-Management
server, and a Second Participant in the example of the present invention;
[0019] Figure 3 is a flowchart of the second example of the lending method of
the present
invention;
[0020] Figure 4 is a flowchart of the third example of the lending method of
the present invention;
[0021] Figure 5 is a flowchart of the fourth example of the lending method of
the present
invention;
[0022] Figure 6 is a module schematic diagram of the first example of the
lending method of the
present invention;
[0023] Figure 7 is a module schematic diagram of the second example of the
lending method of
the present invention;
Examples of the Invention
Implementation pattern of the present invention
[0024] It is to be understood that the specific examples described herein are
merely illustrative of
the invention but not intended to limit the invention.
[0025] A funds management institution is an institution that can support
capital flows, including
but not limited to banks and other financial institutions (such as securities
institutions).
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Correspondingly, the Funds-Management server includes a bank server or other
financial
institution server. The fund management account includes a bank loan account
or other
fmancial institution loan account. The fund management credit system includes
the
People's Bank credit system or other financial institution credit systems.
[0026] The Bank Credit Certificate is the electronic commitment payment
certificate issued by the
Second Participant (the sponsor) with its account funds or credit line as the
margin money
to apply to the Funds-Management server and opened by the Funds-Management
server.
The fund management institution handle electronic credit certificate of
payment and
collection as per the payment conditions, the Bank Credit Certificate is an
Internet
innovation based financial instrument which the funds management institution
under credit
commitment to pay.
[0027] The Second Participant (the initiator of the loan) refers to an
individual or organization that
initiates a lending intention to the First Participant, but in the actual
lending transaction, the
fund manager plays the role of the lender, and the Second Participant (the
initiator of the
loan) has a loan intention, and then through the application to the funds
management
institution and issued a Bank Credit Certificate, and then the funds
management institution
takes the Bank Credit Certificate as guarantee and take loan to the First
Participant; if the
First Participant makes repayment as agreed, the Bank Credit Certificate
applied by the
Second Participant will be unfrozen, and the Second Participant and the funds
management
institution shall receive the loan interest in accordance with the agreement;
if the First
Participant is not repaid, the Bank Credit Certificate will remain frozen for
a fixed period
of time, and the funds management institution will request the First
Participant for
repayment; If the First Participant makes repayment within the fixed period
(requesting
payment is succeeded), the Bank Credit Certificate is still frozen, and the
Second
Participant and the funds management institution will gain loan benefit as
agreed.
Compared with the traditional lending method, the creditor pulls the fund
management
institution into the loan transaction process. The fund management institution
becomes the
actual lender. When the fund management institution lends loan to the debtor,
the funds
within the Second Participant's account is only temporarily frozen, this
freezing does not
affect the Second Participant to obtain interest on deposit. The funds
management
institution is engaged the lending process, making the data processing more
safe and fast.
[0028] Hereinafter, the technical solution of the present invention will be
described in detail with
reference to specific examples.
[0029] Referring to Figure 1 and Figure 2, proposing the first example of the
lending method of
the present invention, which includes the following steps:
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[0030] S11, the Funds-Management server issues corresponding loan limit to the
First Participant
as per the Bank Credit Certificate applied and opened by the Second
Participant, and
freezes the funds corresponding to the Bank Credit Certificate.
[0031] Specifically, the Second Participant opens an account in the funds
management institution,
and makes deposit, the Second Participant, the First Participant and the fund
management
institution agreed on the loan amount, repayment period, loan interest paid to
the funds
management institution and other loan information, the Second Participant
applies to the
Funds-Management server in accordance with the aforementioned loan
information, after
the Funds-Management server opens a Bank Credit Certificate as per the
application,
freezes the funds corresponding to the Bank Credit Certificate on the deposit
account of the
Second Participant, and according to the Bank Credit Certificate,
corresponding loans will
be issued to the First Participant.
[0032] It should be noted that the Second Participant's Bank Credit
Certificate is frozen, but the
funds are still in the Second Participant's account, but the funds are in an
unusable state,
which does not affect the Second Participant's interest collection during the
freezing
period. The interest on the deposit can be current interest or term deposit
interest as agreed.
For example, the balance of the Second Participant account is 300,000, and
200,000
Bank Credit Certificates are issued to the Funds-Management server and frozen.
However,
the Funds-Management server still calculates the current interest on the
balance of funds of
300,000, or the Funds-Management server uses 100,000 of the balance of funds
to
calculate the Second Participant current interest, and the current interest
and the time
deposit interest of 200,000 will be calculated separately during the freezing
period of the
Bank Credit Certificate.
[0033] S12, the Funds-Management server unfreezes part of the funds
corresponding to the Bank
Credit Certificate as per the partial loan repaid by the First Participant
within the agreed
repayment period.
[0034] In step S12, the First Participant repays part of the loan to the fund
management institution
within the agreed repayment period, and after the fund management institution
receives the
part of the loan, the Funds-Management server unfreezes part funds
corresponding to the
Bank Credit Certificate as per the repayment amount, such as the part of the
funds that is
part of the loan with the First Participant to repay the amount of funds, at
the same time,
the unfrozen part of the funds in the Second Participant account automatically
become
available, and can also pay for the unfrozen part of the funds corresponding
to the deposit
interest.
[0035] S13, the Funds-Management server allocates the remaining frozen funds
corresponding to

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the Bank Credit Certificate to the funds management account within the agreed
time limit
according to the notification sent by the Second Participant for repaying the
remaining
loans on behalf of the First Participant within the repayment period.
[0036] In step S13, when the First Participant fails to repay the remaining
loans within the
repayment period, the Second Participant may repay the remaining loans on
behalf of the
Second Participant. The Second Participant sends a notification on behalf of
the First
Participant to repay the remaining loans. After receiving the notification,
the
Funds-Management server will release the Bank Credit Certificate within the
agreed time
limit, that is, repay the remaining frozen funds corresponding to the Bank
Credit Certificate
to the fund management institution as the remaining loans, and calculate and
pay the
deposit interest corresponding to the remaining frozen funds which is de-
frozen to the
Second Participant.
[0037] The deposit interest corresponding to the frozen funds corresponding to
the Bank Credit
Certificate may not be paid separately in step S12 and step S13, but the
deposit interest
corresponding to all the frozen funds is paid together in step S13 to the
Second Participant.
[0038] In this way, the lending method of the present example makes the fund
management
institution an actual lender by pulling the fund management institution into
the lending
transaction process. The funds in the Second Participant's account are only
temporarily
frozen when the funds management institution lends to the First Participant
(the debtor),
which does not affect the acquisition of interest on the Second Participant's
deposit, and
maintain the interests of the creditor. The fund management institution makes
the loan
according to the frozen funds of the First Participant and improves the
fmancial security of
the fund management institution. Meanwhile, under the situation that the First
Participant
has no ability to repay the loan, the Second Participant is allowed to help
the First
Participant repay the remaining loan, making the repayment method more
flexible and
humanized. Since the fund management institution is the actual borrower, when
the First
Participant defaults, the fund management will requests the First Participant
to make
repayment, it has a deterrent effect to the behaviour of breach of the
agreement, reducing
the risk of default, safeguarding the interests of creditors; In addition, the
funds
management institution is engaged into the lending process, making data
processing more
secure and fast.
[0039] Referring to Figure 3, proposing the second example of the lending
method of the present
invention, which includes the following steps:
[0040] S21, the Funds-Management server issues corresponding loan limit to the
First Participant
as per the Bank Credit Certificate applied and opened by the Second
Participant, and
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freezes the funds corresponding to the Bank Credit Certificate.
[0041] S22, the Funds-Management server unfreezes part of the funds
corresponding to the Bank
Credit Certificate as per the partial loan repaid by the First Participant
within the agreed
repayment period.
[0042] S23, the Funds-Management server allocates the remaining frozen funds
corresponding to
the Bank Credit Certificate to the funds management account within the agreed
time limit
according to the notification sent by the Second Participant for repaying the
remaining
loans on behalf of the First Participant within the repayment period.
[0043] In the present example, Steps S21-S23 is the same as Steps S11-S13 in
the first example,
and will not be described again.
[0044] S24, the Funds-Management server reduces the credit rating of the First
Participant or / and
increases the credit rating of the Second Participant.
[0045] In this example, a credit function is introduced. When the First
Participant is unable to
repay the remaining loans and the Second Participant helps the First
Participant to repay
the remaining loans, the Funds-Management server reduces the credit rating of
the First
Participant, and the First Participant's default record and credit rating are
synchronized to
the Funds Management Credit System, or / and, Funds-Management server raises
the
Second Participant's credit rating, and synchronizes credit rating to the
Funds Management
Credit System. Thus, the default costs of the First Participant is increased,
the risk of
default is reduced and the interests of the Second Participant and the
creditor are further
maintained.
[0046] Referring to Figure 4, proposing the third example of the lending
method of the present
invention, which includes the following steps:
[0047] S31, the Funds-Management server issues corresponding loan limit to the
First Participant
as per the Bank Credit Certificate applied and opened by the Second
Participant, and
freezes the funds corresponding to the Bank Credit Certificate.
[0048] S32, the Funds-Management server unfreezes part of the funds
corresponding to the Bank
Credit Certificate as per the partial loan repaid by the First Participant
within the agreed
repayment period. The loan interests are allocated in the Second Participant
account and
the funds management account as per the preset rules.
[0049] In this example, the Second Participant and the funds management
institution also agree on
the distribution of interest on the loan, that is, the Second Participant in
the present
example not only obtains the interest on the deposit but also obtains the
interest on the part
of the loan. For example, it is agreed that the first loan interest in the
loan interest is
allocated to the funds management institution, and the second loan interest is
allocated to
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the Second Participant.
[0050] In step S32, the First Participant repays part of loan to the funds
management institution
within the agreed period of repayment, and the part of the loan, includes the
principal part
of the loan and the corresponding interest on the loan (the first loan
interest and the second
loan interest). After the fund management institution receives the part of the
loan, the
Funds-Management server will unfreezes part of the funds corresponding to the
Bank
Credit Certificate according to the repayment amount. For example, the part of
the fund is
the part of the loan principal repaid by the First Participant and its
corresponding first loan
interest amount, while the second loan interest repaid by the First
Participant will be
allocated to the Second Participant account, and can also account for the
corresponding
amount of Bank Credit Certificate unfrozen funds corresponding to the deposit
interest, so
that the Second Participant can get interest on loan interest and interest on
deposits.
[0051] S33, the Funds-Management server allocates the remaining frozen funds
corresponding to
the Bank Credit Certificate to the funds management account within the agreed
time limit
according to the notification sent by the Second Participant for repaying the
remaining
loans on behalf of the First Participant within the repayment period.
[0052] In step S33, when the First Participant can not repay the remaining
loans within the
repayment period, the Second Participant may repay the remaining loans on
behalf of the
First Participant. After the Funds-Management server dwells on the First
Participant, The
Second Participant sends a notification on behalf of the First Participant to
repay the
remaining loans. After receiving the notification, the Funds-Management server
will
release the Bank Credit Certificate within the agreed time limit, that is,
repay the remaining
frozen funds corresponding to the Bank Credit Certificate to the fund
management
institution as the remaining loans, and calculate and pay the deposit interest
corresponding
to the remaining frozen funds which is de-frozen to the Second Participant.
[0053] The deposit interest corresponding to the frozen money corresponding to
the bank credit
may not be paid separately in steps S32 and S33, but the deposit interest
corresponding to
all the frozen funds is paid together in step S33 to the two parties.
[0054] Thus, in the lending method of the present example, the Second
Participant not only
obtains the deposit interest paid by the fund management institution but also
obtains the
interest on the loan paid by the First Participant and further maintains the
interest of the
Second Participant.
[0055] Referring to Figure 5, proposing the forth example of the lending
method of the present
invention, which includes the following steps:
[0056] S41, the Funds-Management server issues corresponding loan limit to the
First Participant
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as per the Bank Credit Certificate applied and opened by the Second
Participant, and
freezes the funds corresponding to the Bank Credit Certificate.
[0057] After the Funds-Management server receives the Bank Credit Certificate
of a certain loan
amount issued by the Second Participant, the Funds-Management server will
freeze the
money corresponding to the Bank Credit Certificate and issue a loan of the
corresponding
amount to the First Participant according to the Bank Credit Certificate.
[0058] S42, the Funds-Management server unfreezes part of the funds
corresponding to the Bank
Credit Certificate as per the partial loan repaid by the First Participant
within the agreed
repayment period. The loan interests are allocated in the Second Participant
account and
the funds management account as per the preset rules.
[0059] S43, the Funds-Management server allocates the remaining frozen funds
corresponding to
the Bank Credit Certificate to the funds management account within the agreed
time limit
according to the notification sent by the Second Participant for repaying the
remaining
loans on behalf of the First Participant within the repayment period.
[0060] In the present example, steps S41-S43 are the same as steps S31-S33 in
the third example,
and will not be described again.
[0061] S44, the Funds-Management server reduces the credit rating of the First
Participant or / and
increases the credit rating of the Second Participant.
[0062] In this example, a credit function is introduced. When the First
Participant is unable to
repay the remaining loans and the Second Participant helps the First
Participant to repay
the remaining loans, the Funds-Management server reduces the credit rating of
the First
Participant, and the First Participant's default record and credit rating are
synchronized to
the Funds Management Credit System, or / and, Funds-Management server raises
the
Second Participant's credit rating, and synchronizes credit rating to the
Funds Management
Credit System. Thus, the default costs of the First Participant is increased,
the risk of
default is reduced and the interests of the Second Participant and the
creditor are further
maintained.
[0063] Referring to Figure 6, a first example of a lending system of the
present invention is
proposed, which is applied to the aforementioned Funds-Management server,
which
includes a lending module, a first loan repayment module, a second loan
repayment
module and interest payment module, where:
[0064] The lending module is arranged to issue a corresponding amount of the
loan to the First
Participant according to the Bank Credit Certificate opened by the application
of the
Second Participant and to freeze the funds corresponding to the Bank Credit
Certificate.
[0065] The first loan repayment module is configured to unfreeze a portion of
the funds
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corresponding to the Bank Credit Certificate in accordance with a portion of
the loan
repaid by the First Participant within the agreed repayment period;
[0066] The second loan repayment module: is configured to allocate the
remaining frozen funds
corresponding to the Bank Credit Certificate to the funds management account
within the
agreed time limit according to the notification sent by the Second Participant
to repay the
remaining loans on behalf of the First Participant.
[0067] Deposit interest calculation and payment module is set to calculate and
pay the deposit
interest of the funds corresponding to the Bank Credit Certificate during the
freezing
period;
[0068] Further, the first loan repayment module allocates loan interest to the
Second Participant's
account and the funds management account based on the pre-set rules.
[0069] Thus, as to the lending system in the present example, when the funds
management
institution lends to the borrower, the Bank Credit Certificate issued by the
Second
Participant to the funds management institute and the funds in the Second
Participant's
account are only temporarily frozen, which does not affect the acquisition of
interest on the
Second Participant's deposit, maintaining the interests of the creditor. The
fund
management institution makes the loan according to the frozen funds of the
creditor,
improving the financial security of the fund management institution.
Meanwhile, under the
situation that the First Participant has no ability to repay the loan, the
Second Participant is
allowed to help the First Participant repay the remaining loan, making the
repayment
method more flexible and humanized. Since the fund management institution is
the actual
borrower, when the First Participant defaults, the fund management institute
will requests
the First Participant to make repayment, it has a deterrent effect to the
behaviour of breach
of the agreement, reducing the risk of default, safeguarding the interests of
creditors; in
addition, by pulling the funds management institution into the lending
process, it makes
data processing more secure and fast.
[0070] Referring to Figure 7, a second example of the lending system of the
present invention is
proposed. The difference between this example and the first example is that a
credit
management module is added, and the credit management module is configured to:
when
the Second Participant repay the remaining loan on behalf of the First
Participant, the First
Participant's credit rating is lowered or / and the Second Participant's
credit rating is
increased.
[0071] This example introduces a credit function, when the First Participant
is unable to repay the
remaining loans and the Second Participant helps the First Participant to
repay the
remaining loans, the Funds-Management server reduces the credit rating of the
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Participant, and the First Participant's default record and credit rating are
synchronized to
the Funds Management Credit System, or / and, Funds-Management server raises
the
Second Participant's credit rating, and synchronizes the credit rating to the
Funds
Management Credit System. Thus, the default costs of the First Participant is
increased, the
risk of default is reduced and the interests of the Second Participant and the
creditor are
further maintained.
[0072] It is important to note that the technical features of the above-
described method is
applicable in the present apparatus and is not need to repeated here.
[0073] It will be understood by the ordinary skill in the field that the
realization of all or part of
the steps of the method described above may be controlled by a program to
control the
associated hardware completion, which may be stored in a computer-readable
storage
medium. The storage medium may be ROM / RAM, a magnetic disk, an optical disk,
etc.
[0074] It is to be understood that the above is only a preferred example of
the present invention
and is not intended to limit the scope of the invention as a matter of
limitation, either by
way of equivalent construction or equivalent process transformation using the
present
specification and the accompanying drawings, directly or indirectly used in
other related
technical fields, which are included in the scope of the patent protection of
the present
invention.
Industrial utility
[0075] The present invention provides a lending method and a lending system
which makes the
fund management institution be an actual lender by pulling the funds
management
institution into the lending transaction process. The Bank Credit Certificate
opened by the
Funds-Management server and applied by the Second Participant to and issued by
the
funds management institute works as a certificate guarantee only, and the
funds in the
Second Participant's account are only temporarily frozen when the funds
management
institution lends to the First Participant (the borrower, i.e. the debtor),
which does not affect
the acquisition of interest on the Second Participant's deposit, it is also
possible to obtain
the interest of the loan paid by the First Participant and maintain the
interests of the
creditor. The fund management institution makes the loan according to the
frozen funds of
the creditor and improves the financial security of the fund management
institution.
Meanwhile, under the situation that the First Participant has no ability to
repay the loan, the
Second Participant is allowed to help the First Participant repay the
remaining loan,
making the repayment method more flexible and humanized. Since the fund
management
institution is the actual borrower, when the First Participant defaults, the
fund management
will requests the First Participant to make repayment, it has a deterrent
effect to the
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behaviour of breach of the agreement, reducing the risk of default,
safeguarding the
interests of the Second Participant; In addition, the funds management
institution is
engaged into the lending process, making data processing more secure and fast.
Therefore,
it has industrial applicability.
12

Representative Drawing