CN104133904B - A kind of system and method realized small-loan company's financing assets bag and replaced - Google Patents

Abstract

A system and method for realizing the replacement of financing asset packages of microfinance companies, relating to the technical field of information processing in the financing process. The system includes a server end located at the transaction center and a client end located at each small loan company; the server end includes an asset bag management module and an asset bag audit module connected with the asset bag management module; the client end includes An operation module and an asset package replacement module connected with the operation module, and the transmission between the operation module and the asset package management module is carried out through the network. The invention not only has high working efficiency and high accuracy rate, effectively solves the problem of replacement of financing asset packages of small loan companies, but also has safe use and wide application range.

Description

A system and method for realizing the replacement of financing asset packages of microfinance companies

technical field

The invention relates to the technical field of information processing in the financing process, specifically a system and method for realizing the replacement of financing asset packages of small loan companies.

Background technique

Small loan companies (that is, small loan companies) are limited liability companies or joint stock limited companies that do not absorb public deposits and operate small loan business invested and established by natural persons, corporate legal persons and other social organizations.

Every time a small loan company issues a small loan, it will form a creditor's right relationship between the small loan company and the debtor, and this creditor's right relationship is the financial asset owned by the small loan company. When a small loan company needs financing, it will package and combine the financial assets to form an asset package. The trading center will collect and manage the asset packages of various small loan companies and form a trading platform. However, in the process of collecting and financing asset packages, it often happens that a single asset in the asset package is overdue. If the assets are overdue and not replaced in time, it will lead to legal risks in the entire financing process. At present, the replacement of overdue asset packages is generally reminded and replaced manually. Not only is the work efficiency low, but asset packages are prone to omissions, and the error rate of replacing asset packages is also high. Therefore, we urgently need to solve the problem of replacing the financing asset package of small loan companies.

Contents of the invention

Aiming at the defects existing in the prior art, the purpose of the present invention is to provide a system and method for realizing the replacement of financing asset packages of microfinance companies, which not only has high work efficiency and high accuracy, but also effectively solves the problem of financing asset packages of microfinance companies. Replacement problem, and safe to use, applicable to a wide range.

In order to achieve the above purpose, the present invention provides a system for realizing the replacement of financing asset packages of microfinance companies, which includes: a server set in the transaction center and a client set in each microfinance company. The server end includes an asset package management module and an asset package audit module connected with the asset package management module, the client includes an operation module and an asset package replacement module connected with the operation module, and the operation module and the asset package management module transmitted through the network.

Wherein, the asset package management module is used to establish a list of asset package information for query by the asset package audit module, and send an alarm or reminder to the operation module after receiving the alarm information or reminder information marked by the asset package audit module; The asset package uploaded by the module is verified after replacing the information, and the asset package information list is updated after the verification is passed.

The asset package auditing module is used to audit the asset package information in the asset package information list one by one at regular intervals, and mark warning information or reminder information for overdue or soon overdue asset packages.

The operation module is used to realize customer identity identification and authority control, create asset package information and upload it to the asset package management module, receive alarms or reminders from the asset package management module, and send alarm information or reminder information to the asset package replacement module, And upload the asset package replacement information to the asset package management module.

An asset pool is provided in the asset package replacement module, and the asset package replacement module is used to freeze asset packages that generate overdue alarms or overdue reminders, and screen assets from the asset pool to complete the asset replacement in the asset package and replace the assets The package replacement information is fed back to the operation module.

On the basis of the above technical solution, the asset package information created by the operation module includes a plurality of pieces of information consisting of contract information and the ID numbers of parties to the contract.

On the basis of the above technical solution, the contract information includes the contract number, the end date of the loan, the principal of the loan and the annualized interest rate of the loan.

On the basis of the above technical solution, the asset package information list established by the asset package management module includes the asset package number, asset package information and the name of the small loan company to which it belongs.

The present invention also provides a method for realizing the replacement of the microfinance company's financing asset package based on the system, including the following steps:

S1: The operation module of the client creates asset package information, and uploads the created asset package information to the asset package management module on the server side, and the asset package management module creates an asset package information list according to the asset package information uploaded by the operation module.

S2: The asset package audit module on the server side audits all the asset package information in the asset package information list one by one, and judges whether there are overdue or about to expire asset packages. If yes, transfer to S3; if not, transfer to S7.

S3: The asset package management module sends an alarm or reminder to the operation module of the corresponding small loan company client according to the alarm information or reminder information marked by the asset package audit module, and the operation module that receives the alarm or reminder sends the alarm information or reminder information Replacement modules for client-side asset bundles.

S4: The asset package replacement module replaces the asset package that generates an overdue alarm or overdue reminder according to the alarm information or reminder information, and feeds back the asset package replacement information to the operation module.

S5: The operation module uploads the asset package replacement information to the asset package management module, and the asset package management module verifies the uploaded asset package replacement information, and judges whether the verification is passed, if not, transfer to S4; if yes, transfer to S6 .

S6: The asset package management module updates the asset package information list.

S7: The system waits for the trigger of the next scheduled audit, and enters S2 once triggered.

On the basis of the above technical solution, in step S1, the asset package information created by the operation module includes multiple pieces of information consisting of contract information and the ID numbers of parties to the contract. Among them, the contract information includes the contract number, the end date of the loan, the principal of the loan and the annualized interest rate of the loan. The asset package information list created by the asset package management module includes the asset package number, asset package information and the name of the small loan company to which it belongs.

On the basis of the above technical solution, in step S2, the steps for the asset package audit module to audit all asset package information one by one regularly include:

S21: The asset package audit module judges whether the piece of asset package information is in a frozen state, if yes, transfer to S26; if not, transfer to S22.

S22: The asset package audit module checks each piece of contract information in the current asset package information for overdue, compares the loan end date in each contract information with the current date one by one, and judges whether there is an overdue contract in the asset package. If so, transfer Go to S23; if not, go to S24.

S23: The asset package audit module marks the asset package information as alarm information, and transfers to S26.

S24: The asset package audit module further checks that each piece of contract information in the current asset package information is about to be overdue, compares the loan end date in each contract information with the current date one by one, and judges whether the current date is less than 5 days away from the loan end date , if yes, go to S25; if not, go to S26.

S25: The asset package audit module marks the asset package information as reminder information, and transfers to S26.

S26: Determine whether there is a next piece of asset package information after the piece of asset package information, if yes, transfer to S21; if not, end.

On the basis of the above technical solution, in the step S21, the asset package audit module judges whether the piece of asset package information is in a frozen state: when the asset package replacement template is replacing the asset package information, the replaced asset The package information is marked as frozen, and the frozen status mark is returned to the operation module, and the operation module feeds back the frozen state mark to the asset package management module. When the asset package audit module reads the asset package information from the asset package management module, it will simultaneously Determine whether there is a frozen state flag, if yes, it is in a frozen state, if not, it is in a non-frozen state.

On the basis of the above-mentioned technical solution, in the step S3, before the asset package management module sends an alarm or reminder to the operation module of the corresponding small loan company client, it will first record the alarm information or reminder information in the asset package information list according to the label. Find the corresponding small loan company name.

On the basis of the above technical solution, in the step S4, the asset package replacement module replaces the asset package that generates an overdue alarm or an overdue reminder, including:

S41: The asset package replacement module finds the asset package information that needs to be replaced according to the received alarm information or reminder information, and transfers it to the internal asset pool for asset screening, and selects a suitable replacement contract according to the overdue contract information, and then Go to S42.

S42: Delete the overdue contract information in the original asset package information, and replace it with the newly screened contract information, and then go to S43.

S43: The asset package replacement module verifies the newly replaced asset package information, checks whether the total loan principal in the newly replaced asset package information is not less than the total loan principal in the original asset package information, and if so, proceeds to S44 ; If not, go to S41 to re-screen.

S44: The asset package replacement module further checks the newly replaced asset package information, and checks whether the weighted average value of the interest rate in the newly replaced asset package information is not less than the weighted average interest rate in the original asset package information, if not, then Return to S41 to re-screen; if yes, end.

The beneficial effects of the present invention are:

1. The present invention realizes the intelligent reminder and replacement of overdue asset packages by setting up the client terminal in the small loan company and the server terminal in the transaction center, which replaces the traditional manual operation method and improves the efficiency of asset package replacement.

2. The server side of the system is equipped with an asset package audit module, which can regularly audit and check all assets in each asset package (that is, the right to benefit from the creditor's right, that is, the creditor's right contract), and issue a corresponding overdue alarm or overdue reminder. It avoids the occurrence of overdue asset packages, reduces legal risks, and is conducive to the supervision of financing risks in the small loan industry, which is more timely and reliable.

3. The client of this system is equipped with an asset package replacement module, which realizes the function of asset replacement for overdue or soon-to-be-overdue asset packages. During the replacement process, the asset package replacement module performs multiple checks on the formed new asset package, with a high accuracy rate, which can effectively prevent operational risks during the asset replacement process.

4. The operating module of the client terminal of this system can realize the identification of the customer's identity and authority control, making the system safer to use and adapting to the security requirements of the financial industry.

5. The present invention can be used in conventional environments, without any restrictions on the operating system, hardware platform and network structure of transmission, and has a wide range of applications.

6. The present invention is mainly used for the replacement of financing asset packages of small loan companies, but it also provides support for asset management in other asset income rights, and has a wide range of applications.

Description of drawings

Fig. 1 is the system structural block diagram that the present invention realizes the financing asset package replacement of microfinance company;

Fig. 2 is the method flowchart that the present invention realizes the replacement of the financing asset package of the microfinance company;

Fig. 3 is a flow chart of realizing the audit function by the asset package audit module;

Fig. 4 is a flow chart of realizing the replacement function by the asset package replacement module.

detailed description

Embodiments of the present invention will be described in further detail below in conjunction with the accompanying drawings.

As shown in Fig. 1, the present invention provides a kind of system that realizes the replacement of the financing asset package of the microfinance company, including the server end located at the trading center and the client end located at each microfinance company; the server end includes the asset package A management module and an asset package audit module connected with the asset package management module; the client includes an operation module and an asset package replacement module connected with the operation module, and the operation module and the asset package management module are transmitted through the network.

Wherein, the asset package management module establishes an asset package information list according to the asset package information uploaded by the operation module for query by the asset package audit module. The asset package information list includes the asset package number, asset package information and the small loan company to which name. When the asset package management module receives the alarm information or reminder information marked by the asset package audit module, it will send an alarm or reminder to the operation module in time; when the asset package management module receives the asset package replacement information uploaded by the operation module, it will The package replacement information is verified, and the asset package information list is updated after the verification is passed.

The asset package audit module is used to audit the asset package information one by one in the asset package information list one by one, and mark alarm information or reminder information for asset packages with overdue or soon overdue assets (ie creditor's rights contracts), avoiding asset package The occurrence of overdue situations reduces legal risks and is conducive to the supervision of financing risks in the small loan industry, which is more timely and reliable.

The operation module can realize customer identity identification and authority control, making the system safer to use and adapting to the security requirements of the financial industry. At the same time, the operation module is also used to create asset package information and upload it to the asset package management module, receive alarms or reminders from the asset package management module, send alarm information or reminder information to the asset package replacement module, and upload asset package replacement information to the asset package management module. Among them, the asset package information created by the operation module includes multiple pieces of information composed of contract information and the ID numbers of the parties to the contract. The contract information includes the contract number, loan end date, loan principal and loan annualized interest rate.

There is an asset pool in the asset package replacement module, and there are many optional replacement assets (that is, creditor's rights contracts) in the asset pool. The asset package replacement module is used to freeze the asset package that generates an overdue alarm or overdue reminder, and automatically or manually screen assets from the asset pool to complete the asset replacement in the asset package, and feed back the asset package replacement information to the operation module. During the replacement process, the asset package replacement module performs multiple checks on the formed new asset package, with a high accuracy rate, which can effectively prevent operational risks during the asset replacement process.

As shown in Figure 2, a method for replacing the financing asset package of a microfinance company includes the following steps:

S1: The operation module of the client creates asset package information, and uploads the created asset package information to the asset package management module on the server side, and the asset package management module creates an asset package information list according to the asset package information uploaded by the operation module.

S2: The asset package audit module on the server side audits all the asset package information in the asset package information list one by one, and judges whether there is an overdue or about to expire asset package. If yes, then transfer to S3; if not, then transfer to S7. Wait for the trigger of the next scheduled audit.

S3: The asset package management module finds the corresponding small loan company name in the asset package information list according to the alarm information or reminder information marked by the asset package audit module, and sends an alarm or reminder to the operation module of the corresponding small loan company client; receive The alarm or reminder operation module sends the alarm information or reminder information to the asset package replacement module of the client.

S4: The asset package replacement module replaces the asset package that generates an overdue alarm or overdue reminder according to the alarm information or reminder information, and feeds back the asset package replacement information to the operation module.

S5: The operation module uploads the asset package replacement information to the asset package management module, and the asset package management module verifies the uploaded asset package replacement information, and judges whether the verification is passed, and if not, transfers to S4 for re-replacement; If so, go to S6.

S6: The asset package management module updates the asset package information list.

S7: The system waits for the trigger of the next scheduled audit, and enters S2 once triggered. The trigger time of scheduled audit is defined as 1:00 am to 3:00 am every day.

As shown in Figure 3, in step S2, the steps for the asset package audit module to perform regular audits of all asset package information one by one include:

S21: The asset package audit module judges whether the piece of asset package information is in a frozen state, if yes, transfer to S26; if not, transfer to S22.

Among them, the asset package audit module judges whether the piece of asset package information is in the frozen state: when the asset package replacement template is replacing the asset package information, it will mark the replaced asset package information as frozen, and return the frozen status mark To the operation module, the operation module will feed back the frozen status mark to the asset package management module. When the asset package audit module reads the asset package information from the asset package management module, it will also judge whether there is a frozen status mark. If so, it is frozen state, if not, it is a non-frozen state.

S22: The asset package audit module checks each piece of contract information in the current asset package information for overdue, compares the loan end date in each contract information with the current date one by one, and judges whether there is an overdue contract in the asset package, and if so, then Go to S23; if not, go to S24.

S23: The asset package audit module marks the asset package information as alarm information, and transfers to S26.

S24: The asset package audit module further checks that each piece of contract information in the current asset package information is about to be overdue, compares the loan end date in each contract information with the current date one by one, and judges whether the current date is less than 5 days away from the loan end date , if yes, go to S25; if not, go to S26.

S25: The asset package audit module marks the asset package information as reminder information, and transfers to S26.

S26: Determine whether there is a next piece of asset package information after the piece of asset package information, if yes, transfer to S21; if not, end.

As shown in Figure 4, in the step S4, the asset package replacement module replaces the asset package that generates an overdue alarm or an overdue reminder, including:

S41: The asset package replacement module finds the asset package information that needs to be replaced according to the received alarm information or reminder information, and transfers it to the internal asset pool for asset screening, and screens out a suitable replacement contract based on the overdue contract information, Then go to S42;

S42: Delete the overdue contract information in the original asset package information, and replace the newly screened contract information, and then go to S43;

S43: The asset package replacement module verifies the newly replaced asset package information, checks whether the total loan principal in the newly replaced asset package information is not less than the total loan principal in the original asset package information, and if so, proceeds to S44 , if not, go to S41 and re-screen;

S44: The asset package replacement module further checks the newly replaced asset package information, and checks whether the weighted average value of the interest rate in the newly replaced asset package information is not less than the weighted average interest rate in the original asset package information, if not, then Return to S41 to re-screen, if yes, end.

The present invention is not limited to the above-mentioned embodiments. For those of ordinary skill in the art, without departing from the principle of the present invention, some improvements and modifications can also be made, and these improvements and modifications are also considered protection of the present invention. within range. The content not described in detail in this specification belongs to the prior art known to those skilled in the art.

Claims (9)

1. A system that realizes the replacement of the microfinance company's financing asset package is characterized in that: it includes a server end located at the transaction center and a client end located at each microfinance company; the server end includes an asset package management module and An asset package audit module connected to the asset package management module; the client includes an operation module and an asset package replacement module connected to the operation module, and the operation module and the asset package management module are transmitted through the network; Wherein, the asset package management module is used to establish a list of asset package information for query by the asset package audit module, and send an alarm or reminder to the operation module after receiving the alarm information or reminder information marked by the asset package audit module; The asset package uploaded by the module is verified after replacing the information, and the asset package information list is updated after the verification is passed; The asset package audit module is used to audit the asset package information in the asset package information list one by one at regular intervals, and mark alarm information or reminder information for overdue or soon overdue asset packages; The operation module is used to realize customer identity identification and authority control, create asset package information and upload it to the asset package management module, receive alarms or reminders from the asset package management module, and send alarm information or reminder information to the asset package replacement module, And upload the asset package replacement information to the asset package management module; An asset pool is provided in the asset package replacement module, and the asset package replacement module is used to freeze asset packages that generate overdue alarms or overdue reminders, and screen assets from the asset pool to complete the asset replacement in the asset package and replace the assets The package replacement information is fed back to the operation module; The step of replacing the asset package that generates an overdue alarm or an overdue reminder by the asset package replacement module includes: the asset package replacement module finds the asset package information that needs to be replaced according to the received alarm information or reminder information, and transfers it to the internal asset Assets are screened in the pool, and suitable replacement contracts are selected according to the overdue contract information; the overdue contract information in the original asset package information is deleted and replaced with the newly screened contract information; the asset package replacement module replaces the newly replaced Verify the asset package information, verify whether the total loan principal in the newly replaced asset package information is not less than the total loan principal in the original asset package information, if not, re-screen; if so, the asset package replacement module The replaced asset package information is further checked to check whether the weighted average value of the interest rate in the newly replaced asset package information is not less than the weighted average value of the interest rate in the original asset package information. If yes, then end; if not, re-screen. 2. The system for realizing the replacement of the microfinance company's financing asset package as claimed in claim 1, characterized in that: the asset package information created by the operation module includes a plurality of information composed of contract information and the ID number of the parties to the contract . 3. The system for replacing the financing asset package of a microfinance company according to claim 2, wherein the contract information includes contract number, loan end date, loan principal and loan annualized interest rate. 4. The system for realizing the replacement of small loan company financing asset packages as claimed in claim 1, characterized in that: the asset package information list set up by the asset package management module includes asset package numbers, asset package information and affiliated small loan companies name. 5. A method based on the system of claim 1 to realize the replacement of the microfinance company's financing asset package, is characterized in that, comprising the steps of: S1: The operation module of the client creates asset package information, and uploads the created asset package information to the asset package management module on the server side, and the asset package management module creates an asset package information list according to the asset package information uploaded by the operation module; S2: The asset package audit module on the server side audits all the asset package information in the asset package information list one by one at regular intervals to determine whether there is an overdue or about to expire asset package, if yes, transfer to S3, if not, transfer to S7; S3: The asset package management module sends an alarm or reminder to the operation module of the corresponding small loan company client according to the alarm information or reminder information marked by the asset package audit module, and the operation module that receives the alarm or reminder sends the alarm information or reminder information Replacement modules for client asset packs; S4: The asset package replacement module replaces the asset package that generates an overdue alarm or overdue reminder according to the alarm information or reminder information, and feeds back the asset package replacement information to the operation module; wherein, the asset package replacement module generates an overdue alarm or overdue reminder The steps to replace the reminded asset package include: the asset package replacement module finds the asset package information that needs to be replaced according to the received alarm information or reminder information, and transfers it to the internal asset pool for asset screening. Screen out a suitable replacement contract; delete the overdue contract information in the original asset package information, and replace the newly screened contract information; the asset package replacement module verifies the newly replaced asset package information, and verifies the newly replaced Whether the total loan principal in the asset package information is not less than the total loan principal in the original asset package information, if not, re-screen; if yes, the asset package replacement module further checks the newly replaced asset package information, checks Whether the interest rate weighted average in the newly replaced asset package information is not less than the interest rate weighted average in the original asset package information, if so, end; if not, re-screen; S5: The operation module uploads the asset package replacement information to the asset package management module, and the asset package management module verifies the uploaded asset package replacement information, and judges whether the verification is passed, if not, transfer to S4, if yes, transfer to S6 ; S6: The asset package management module updates the asset package information list; S7: The system waits for the trigger of the next scheduled audit, and enters S2 once triggered. 6. The method for replacing the financing asset package of a small loan company as claimed in claim 5, characterized in that: in step S1, the asset package information created by the operation module includes a plurality of contract information and the identity card number of the parties to the contract. Information, where the contract information includes the contract number, loan end date, loan principal and loan annualized interest rate; the asset package information list created by the asset package management module includes the asset package number, asset package information and the name of the small loan company to which it belongs. 7. the method for realizing microfinance company financing assets package replacement as claimed in claim 6, is characterized in that: in step S2, the step that asset package audit module carries out one by one timing audit to all asset package information comprises: S21: The asset package audit module judges whether the piece of asset package information is frozen, if yes, then transfer to S26, if not, then transfer to S22; S22: The asset package audit module checks each piece of contract information in the current asset package information for overdue, compares the loan end date in each contract information with the current date one by one, and judges whether there is an overdue contract in the asset package. If so, transfer Go to S23, if not, go to S24; S23: The asset package audit module marks the asset package information with warning information, and transfers to S26; S24: The asset package audit module further checks that each piece of contract information in the current asset package information is about to be overdue, compares the loan end date in each contract information with the current date one by one, and judges whether the current date is less than 5 days away from the loan end date , if so, then transfer to S25, if not, then transfer to S26; S25: the asset package audit module marks the asset package information as reminder information, and transfers to S26; S26: Determine whether there is a next piece of asset package information after the piece of asset package information, if yes, then transfer to S21, if not, then end. 8. The method for realizing microfinance company financing asset package replacement as claimed in claim 7, characterized in that: in the step S21, the asset package audit module judges whether the piece of asset package information is frozen. The process is: when When the asset package replacement template is replacing the asset package information, it will mark the replaced asset package information as frozen, and return the frozen status mark to the operation module, and the operation module will feed back the frozen status mark to the asset package management module, and the asset package When the audit module reads the asset package information from the asset package management module, it will also judge whether there is a frozen status mark, if yes, it is in a frozen state, if not, it is in a non-frozen state. 9. The method for realizing microfinance company financing asset package replacement as claimed in claim 6, characterized in that: in said step S3, before the asset package management module sends an alarm or reminder to the operation module of the corresponding microfinance company client , first find the corresponding small loan company name in the asset package information list according to the marked alarm information or reminder information.