CN103914785A - Disguised financing method and system obtaining credit guarantee letter from website through electronic closed loop obligatory right - Google Patents
Disguised financing method and system obtaining credit guarantee letter from website through electronic closed loop obligatory right Download PDFInfo
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- CN103914785A CN103914785A CN201410161847.8A CN201410161847A CN103914785A CN 103914785 A CN103914785 A CN 103914785A CN 201410161847 A CN201410161847 A CN 201410161847A CN 103914785 A CN103914785 A CN 103914785A
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Abstract
The invention discloses a disguised financing method and system obtaining credit guarantee letter from a website obligatory right service provider through an electronic closed loop obligatory right. The method comprises the following steps: a creditor carries out electronic obligatory right registration and member registration through a member management system, a website certification management system receives electronic obligatory right registration information of the creditor of the member management system, carries out check member certification on input member registration information of a debtor and carries out electronic obligatory right registration on other obligatory rights of the debtor, the creditor member and the debtor member deal with an electronic obligatory right member digital certificate through a digital certificate management system, credit and debt of the closed-loop electronic obligatory right member are generated continuously for a certain time period in economic activities, and the closed-loop obligatory right member in the obligatory right cloud data center can obtain disguised financing of the obligatory right bank credit guarantee letter through obligation pledge. According to the technical scheme, a channel obtaining disguised guarantee financing with the obligatory right as the pledge object in the market economic activities can be achieved, the cost is low, and the risk is avoided.
Description
Technical field
The present invention relates to credits investment and financing method and system, particularly obtain covert financing method and the system of credit underwriting card by electronic closed loop credits from website.
Background technology
From the financing package of current trend, official be to bank loan, adopt mortgage in kind or deposit proportioning loan, but the factor of government and relation factor are too many, not necessarily just make loans.Among the people is to obtain financing by begging for usury, but the profit of industry can not meet profit usurious, and directly consequence is very serious.Cong premier Zhu Rongji, drops into powerful clearing up the debt chains with cash, but DeGrain.Defect is a lot, and nobody proposed take electronic closed loop credits as guaranty or the method for purchase realizes covert financing theory till now.
Summary of the invention
The deficiency existing for prior art, the object of the present invention is to provide that a kind of cost is low, devoid of risk, covert financing method and the system of passing through electronic closed loop credits and obtain from website credit underwriting card easy to use.
For achieving the above object, the invention provides following technical scheme: a kind of covert financing method that obtains credit underwriting card by electronic closed loop credits from website, comprises the following steps:
Step 1, obligee carries out the registration of electronics credits and member registration by membership management system;
Step 2, the obligee that site certificate management system receives membership management system obtains electronics credits log-on message, and carries out the registration of electronics credits for other credits of being examined member authentication and debtor by debtor's member registration information of typing;
Step 3, obligee and debtor member handle electronics credits member digital certificate by digital certificate management system;
Step 4, closed loop electronics credits member continues to produce credit and debt in the certain hour cycle in economic activity;
Step 5, the closed loop credits member of credits cloud data center can obtain by the mode of the pledge of obligation the covert financing of creditor bank's credit underwriting card.
By adopting technique scheme, can realize in market economy activities and obtain covert guarantee Zi Rong road canal take credits as mortgage target, cost is fitted low, devoid of risk, solve individual, enterprise, the closed loop chain debts Finance Issue between country, and the mode with the electronics pledge of obligation off the beaten track, from the network credits service provider financing credits letter of credit that gets surety, chain debts become debt but not become harmful like this.
The present invention is further set to: in described step 1, obligee carries out member registration with the form of website members in the electronics credits network platform, and proof of debt file is provided, and forms the registration of electronics credits.By this setting, membership information is more detailed by registration, reliable operation.
The present invention is also further set to: in described step 2, website cloud credits data management system is carried out credits member registration authentication; Authentication administrative system receives member's electronics management system for creditor's rights can examine confirmation; And the corresponding debtor of obligee is carried out to website typing and put on record, in the time that debtor also has credits registration, electronics credits are carried out to closed loop coupling.By this setting, use convenient.
The present invention is also further set to: website can be in the electronics debt circle of closed loop to the obligee in different closed loops, electronics credits are demonstrate,proved or are supplemented with money in the credit underwriting that provides website third party to mortgage as subject matter take obligee's electronics credits, obtain covert financing, support needed financing behavior in economic activity; The effect of electronics creditor bank is played in website; Credits and debt member can obtain covert financing at credits e-commerce platform.By this setting, cost is low, devoid of risk, financing are easy to operate.
A system of obtaining the covert financing method of credit underwriting card by electronic closed loop credits from website, comprises following part: network platform carrier, the communication network of E-Payment means and server, cloud server and database.By this setting, covert financial system is simple in structure, easy to use, and cost is low.
Advantage of the present invention is: compared with prior art, setting of the present invention is more reasonable, can realize in market economy activities and obtain covert guarantee Zi Rong road canal take credits as mortgage target, cost is fitted low, devoid of risk, has solved individual, enterprise, closed loop chain debts Finance Issue between country, and the mode with the electronics pledge of obligation off the beaten track, from the financing credits letter of credit that gets surety in creditor bank, chain debts become debt but not become harmful like this.
Below in conjunction with Figure of description and specific embodiment, the invention will be further described.
Accompanying drawing explanation
Fig. 1 is the conceptual schema figure of the embodiment of the present invention.
Embodiment
Referring to Fig. 1, a kind of covert financing method that obtains credit underwriting card by electronic closed loop credits from website disclosed by the invention, is characterized in that: comprise the following steps:
Step 1, obligee carries out the registration of electronics credits and member registration by membership management system;
Step 2, site certificate management system receives membership management system's obligee and obtains electronics credits log-on message, and examine and register and other credits of debtor are carried out the registration of electronics credits for understood information by the debtor of typing;
Step 3, obligee and debtor member handle electronics credits member digital certificate by digital certificate management system;
Step 4, closed loop electronics credits member continues to produce credit and debt in the certain hour cycle in economic activity;
Step 5, the closed loop credits member of credits cloud data center can obtain by the mode of the pledge of obligation the covert financing of creditor bank's credit underwriting card.
Obligee carries out member registration with the form of website members in the electronics credits network platform, and proof of debt file (as receipt contract, receiving note, the documented evidences such as statement) is provided, and forms the registration of electronics credits.Website cloud credits data management system is carried out credits member registration authentication; Authentication administrative system receives member's electronics management system for creditor's rights can examine confirmation; And the corresponding debtor of obligee is carried out to website typing and put on record.In the time that debtor also has credits registration, electronics credits are carried out to closed loop coupling.Just provide third party's credit underwriting in a disguised form to finance once form closed loop electronics credits website.Credits in closed loop and debt both sides can continue to produce credit and debt within certain time limit, but in economic activity, need fund.Website can be in the electronics debt circle of closed loop the obligee in each closed loop, electronics credits are demonstrate,proved or are supplemented with money in the credit underwriting that website credits service provider provides third party to mortgage as subject matter take obligee's electronics credits, obtain covert financing, support needed financing behavior in economic activity; The effect of electronics creditor bank is played in website.Credits and debt member can obtain covert financing at credits e-commerce platform.The present invention can realize in market economy activities and obtain covert guarantee Zi Rong road canal take credits as mortgage target, cost is fitted low, devoid of risk, solve individual, enterprise, closed loop chain debts Finance Issue between country, and the mode with the electronics pledge of obligation off the beaten track, from the financing credits letter of credit that gets surety in creditor bank, chain debts become debt but not become harmful like this.
The present invention realizes the support of covert finance by the scheme of non-investment, employing be that financial derivative is used as electronics credits as unit of measurement, the lending behavior that realizes devoid of risk by credits service provider, obtains service fee.Fundamentally solve upper global chain debts, electronics credits are financial derivatives, and guaranteed letter of credit is a kind of covert financial derivatives.Carry out the method for three-dimensional realization financing by realizing credits Internet service provider.
Network credits services to can produce the obligee of the closed loop response credit underwriting of financing in the regular period, allows credits or debtor in closed loop obtain credit underwriting card by network data base.Realize financing object.By bank, Unionpay, the blacklist of the credit investigation system of trust company and government becomes credits data basis, carries out the pairing of large area closed loop, solves the problem of bank's lending risk.
The present embodiment obtains the system of the covert financing method of credit underwriting card from website by electronic closed loop credits, comprise following subnetwork platform carrier, the communication network of E-Payment means and server, cloud server and database.By this setting, covert financial system is simple in structure, easy to use, and cost is low.And the technology that composition, structure and the annexation thereof of the each parts of this covert financial system are well known to those skilled in the art, the present embodiment is just no longer narrated.
Above-described embodiment is to specific descriptions of the present invention; only be used to further illustrate the present invention; can not be interpreted as limiting the scope of the present invention, the technician of this area according to the content of foregoing invention to the present invention make some nonessential improvement and adjust all fall into protection scope of the present invention within.
Claims (5)
1. a covert financing method that obtains credit underwriting card by electronic closed loop credits from website credits service provider, is characterized in that: comprise the following steps:
Step 1, obligee carries out the registration of electronics credits and member registration by membership management system;
Step 2, the obligee that site certificate management system receives membership management system obtains electronics credits log-on message, and carries out the registration of electronics credits for other credits of being examined member authentication and debtor by debtor's member registration information of typing;
Step 3, obligee and debtor member handle electronics credits member digital certificate by digital certificate management system;
Step 4, closed loop electronics credits member continues to produce credit and debt in economic activity in the certain hour cycle;
Step 5, the closed loop credits member of credits cloud data center can obtain the covert financing that credits service provider credit underwriting card pays by the mode of the pledge of obligation.
2. the covert financing method that obtains credit underwriting card by electronic closed loop credits from website according to claim 1, it is characterized in that: in described step 1, obligee carries out member registration with the form of website members in the electronics credits network platform, proof of debt file is provided, forms the registration of electronics credits.
3. the covert financing method that obtains credit underwriting card by electronic closed loop credits from website according to claim 2, is characterized in that: in described step 2, website cloud credits data management system is carried out credits member registration authentication; Authentication administrative system receives member's electronics management system for creditor's rights can examine confirmation; And the corresponding debtor of obligee is carried out to website typing and put on record, in the time that debtor also has credits registration, electronics credits are carried out to closed loop coupling.
4. obtain according to the electronic closed loop credits of passing through described in claim 1 or 2 or 3 the covert financing method that credit underwriting is demonstrate,proved from website, it is characterized in that: website can be to introversive each credit and debt people of the electronics debt circle of closed loop, website credits service provider provides third party to demonstrate,prove or supplement with money electronics credits take obligee's electronics credits as the credit underwriting of subject matter mortgage and pays the covert financing of acquisition, needed financing behavior in support economic activity; The effect of electronics creditor bank is played in website; Credits and debt member can obtain covert financing at credits e-commerce platform.
5. one kind adopts the system of the covert financing method that obtains credit underwriting card by electronic closed loop credits from website claimed in claim 1, it is characterized in that, comprise following part: network platform carrier, the communication network of E-Payment means and server, cloud server and database.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410161847.8A CN103914785A (en) | 2014-04-22 | 2014-04-22 | Disguised financing method and system obtaining credit guarantee letter from website through electronic closed loop obligatory right |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410161847.8A CN103914785A (en) | 2014-04-22 | 2014-04-22 | Disguised financing method and system obtaining credit guarantee letter from website through electronic closed loop obligatory right |
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| CN103914785A true CN103914785A (en) | 2014-07-09 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201410161847.8A Pending CN103914785A (en) | 2014-04-22 | 2014-04-22 | Disguised financing method and system obtaining credit guarantee letter from website through electronic closed loop obligatory right |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104599186A (en) * | 2015-01-26 | 2015-05-06 | 上海百筹金融信息服务有限公司 | Secondary crowd funding method |
| CN105761144A (en) * | 2016-02-23 | 2016-07-13 | 刘家旺 | Asset monetization method and asset monetization system |
| CN116739810A (en) * | 2023-06-17 | 2023-09-12 | 山东普惠共享经济技术开发有限公司 | Electronic creditor reconciliation processing algorithm based on financial information platform |
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| US6912510B1 (en) * | 1992-05-29 | 2005-06-28 | Alice Corporation Pty Ltd | Methods of exchanging an obligation |
| CN102243748A (en) * | 2011-08-04 | 2011-11-16 | 郁晓东 | Electronic debt management operation system device and realization method of electronization and financial commercialization of claim and debt |
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2014
- 2014-04-22 CN CN201410161847.8A patent/CN103914785A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6912510B1 (en) * | 1992-05-29 | 2005-06-28 | Alice Corporation Pty Ltd | Methods of exchanging an obligation |
| CN102243748A (en) * | 2011-08-04 | 2011-11-16 | 郁晓东 | Electronic debt management operation system device and realization method of electronization and financial commercialization of claim and debt |
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| 梁闽海等: "建立债务链信息管理和投资体系的构想", 《福建论坛·经济社会版》 * |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104599186A (en) * | 2015-01-26 | 2015-05-06 | 上海百筹金融信息服务有限公司 | Secondary crowd funding method |
| CN105761144A (en) * | 2016-02-23 | 2016-07-13 | 刘家旺 | Asset monetization method and asset monetization system |
| CN116739810A (en) * | 2023-06-17 | 2023-09-12 | 山东普惠共享经济技术开发有限公司 | Electronic creditor reconciliation processing algorithm based on financial information platform |
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Application publication date: 20140709 |
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