200951865 九、發明說明： 【發明所屬之技術領域】 本發明係有關於一種競標式融資管理方法，特別是有 關於一種類似民間合會但無需會首的競標式融資管理方 法。 【先前技術】 由於對於資金周轉的需求，或者基於投資報酬的渴 β I ’人們常常藉由各種的投資管道或機構，以取得所需的 資金或者是獲得所渴望之報酬。時下投資的管道不勝枚 舉，例如是股票、基金、外匯、房地產與民間合會等等不 同之投資方式。-般而言，股票、基金與外匯不僅需要專 業的投資知識與適當的資本支持，房地產的投資往往需要 較高的資本額。因此，民間合會長久以來已成為普羅大眾 用來進行投資理財所常採用的方式。 鬱 #統民間合會的根本，係建立在人與人之間的互信與 穩定的人際關係。然而，翻開報紙或打開電視，部分會首 的惡除倒閉，或者是部分會員亦有在取得合會金後，不見 縱影傳統之民間融資的行為，由於受到社會不良風氣的 景/響亦已日漸洞零。因此，如何提供安全與合理的資金的 借貸與獲利之民間融資管道，將是重建目前混亂的金融秩 序一個重要的契機與里程碑。 【發明内容】 200951865 鑒於上述之先前技術中所述，由於傳統之民間融資的 基礎，乃是建立在互信與穩定的人際關係之下。但是，由 於不良的社會風氣，使人與人之間的互信日漸淡薄，以致 於利用傳統之民間合會以取得資金或者是儲蓄的風險曰漸 增加。 本發明之目的之一，係提供一種競標式融資管理方 法，無需設置類似民間合會的會首即可提供會員適當且安 全的資金需求與投資收益。 β 本發明之另-㈣，係提供-種競標式融資管理方 法，可選擇所需的融資期數與所需金額或依客戶特性，以 有效地累積財富或取得所需的資金。 本發明之又一目的，係提供一種競標式融資管理方 法，藉由無需信用審核之投資型會員，有效擴大參與會員 的層面與數量。 根據以上所述之目的，本發明係一種競標式融資管理 方法包含有下列步驟，會員申請、身份確認與信用審查、 ❹設定融資條件、會員選擇適當的融資條件、根據會員所選 擇的融資條件或客戶特性進行會員配對、配對完成之會員 ;預疋的日期，進行競標，且每一次競標，產生—得標 會員與複數個未得標的會員；以及管理單位向未得標的會 員收取得標金額’並與得標會員結算得標金額。其中上述 之會員至少包含有無需信用審核之投資型會員其可以是 無信用評等之家庭主婦，或者是任何不欲揭露個 況的投資人，时效擴大可參與會員的層面與數量。 〃中上述之設&融資條件更包含設定每期會金、設定 200951865 期數以及叹疋底標金額。其中上述之設定融資條件亦可更 進一步地包含設定投標次數以及設定上限標金。 此外，與得標會員結算本期之得標金額，可以利用清 异付標金額的方式，將本期之全部得標金額扣除後續需缴 納之應付款，餘額再行交給得標會員，或者是利用領取得 '標金額的方式，將得標會員後續應繳納之應付款與得標會 員購買之保證額度比較，若該保證額度大於後續應缴納之 應付款’則採取全額領取。若當保證額度小於後續應缴納 醫之應付款，則採取部分領取或清算得標金額。此外，當本 期係為最後-次開標時，則管理單位將本期之全部得標金 額交給得標會員。 本發明之管理單位較佳地係為具保證能力之一管理公 司或一管理人員。而其中之會員申請可以透過網路或電話 進行》本發明之競標式融資管理方法更可以成立一信託帳 戶，以用來管理帳務。得標會員亦可以利用信用卡定期缴 納或以銀行帳戶定時轉帳等方式，以定期償還應付款。管 .料位更包含協助㈣之開標程序，以及投資金額缴交的 通知與追蹤，或者更進-步可以在得標會員不履行還款義 務時，代塾與催收延滯缴納之得標會員應付款，以確保未 得標會員之權益》 因此，本發明之競標式融資管理方法類似合會，但可 以在無會首的情況下進行合會的成立與運作。因此，每一 次開標與繳納投資金額時，未得標會員均可因此賺取適當 的報酬。由於本發明之競標式融資管理方法可接受無需信 用審核之投資型會員，故可以有效地擴大參與會員的層: 200951865 與數量。此外，本發明之競標式融資管理方法之管理單位 更因月匕夠保證債權的回收與催缴，故進行投資的會員完全 f需擔心債權不保。因此，本發明更可以有效地提高會員 $資的意願’並使得急需資金的會M可以方便與快速的取 •得所需的資金。藉由申請單傳真、E_mai卜電話語音登錄、 ，網站登錄或者是業務人員的直接收件等不同之方式，亦可 以方便地加入會員，有效擴大適用範圍。本發明之競標式 融資管理方法更利用清算得標金額或者是由管理單位負擔 ® .起得標會員後續應付款之繳納責任，使其可安全且可靠的 運作》此外，管理單位同時負起延滞應付款的催收，以提 供正常運作的保證。 【實施方式】 本發明之競標式融資管理方法，可提供適當且安全的 資金需求與投資收益，會員更可依融資條件選擇所需，故 可以有效地累積財富或者是取得所需的借貸資金。以下將 © 以圖示及詳細說明清楚說明本發明之精神，如熟悉此技術 之人員在瞭解本發明之較佳實施例後，當可由本發明所教 示之技術，加以改變及修飾，其並不脫離本發明之精神與 範圍。 參閱第1圖，其係繪示本發明之競標式融資管理方法 之流程示意圖。本發明之競標式融資管理方法包含下列的 步驟，首先進行會員的申請流程’步驟110,接著進行會員 的身份確認，步驟120。然後進行步驟130，藉由融資小組 的成立’以達成組會流程’步驟14〇的投標流程，以及步 8 200951865 ❹200951865 IX. INSTRUCTIONS: [Technical field to which the invention pertains] The present invention relates to a bidding financing management method, and in particular to a bidding financing management method similar to a civil society but without a head. [Prior Art] Due to the demand for cash flow, or the thirst for investment compensation, people often use various investment channels or institutions to obtain the required funds or obtain the desired compensation. The current pipeline of investment is numerous, such as stocks, funds, foreign exchange, real estate and civil society, and so on. In general, stocks, funds and foreign exchange require not only professional investment knowledge and appropriate capital support, but real estate investment often requires a higher capital. Therefore, the civil society has long been the way the general public used to conduct investment and financial management. The fundamentals of the #民民合会 are based on mutual trust and stable interpersonal relationships between people. However, when the newspapers are opened or the TV is turned on, some of the members of the meeting will be closed down, or some members may have not seen the traditional private financing of the vertical film after obtaining the joint fund. Has gradually become zero. Therefore, how to provide safe and reasonable funds for lending and profitable private financing channels will be an important opportunity and milestone in rebuilding the current chaotic financial order. SUMMARY OF THE INVENTION 200951865 In view of the above-mentioned prior art, the foundation of traditional private financing is based on mutual trust and stable interpersonal relationships. However, due to the bad social atmosphere, the mutual trust between people is becoming weaker, so that the risk of using traditional folk associations to obtain funds or save is increasing. One of the objects of the present invention is to provide a competitive bidding management method that provides members with appropriate and safe capital requirements and investment income without having to set up a club meeting similar to a civil society. β Another-(four) of the present invention provides a competitive bidding management method that can select the required number of financing periods and the required amount or according to customer characteristics to effectively accumulate wealth or obtain the required funds. Another object of the present invention is to provide a competitive bidding management method for effectively expanding the level and number of participating members by means of investment-type members who do not need credit review. According to the above, the present invention is a bidding financing management method comprising the following steps: membership application, identity confirmation and credit review, setting financing conditions, selecting appropriate financing conditions for members, according to financing conditions selected by members or Customer characteristics for member matching, matching completion of the member; the date of the preview, bidding, and each bid, resulting in - the winning member and a plurality of unqualified members; and the management unit to obtain the standard amount of the unqualified member' And the winning amount is settled with the winning member. The above-mentioned members include at least investment-type members who do not need credit review. They can be housewives without credit ratings, or any investor who does not want to disclose the situation. The time limit can be increased to participate in the level and quantity of members. The above-mentioned setting & financing conditions include setting the amount of each session, setting the number of 200951865 and the amount of the sigh. The above-mentioned set financing conditions may further include setting the number of bids and setting the upper limit amount. In addition, with the winning bidders clearing the amount of the winning amount in the current period, the amount of the winning amount in the current period can be deducted from the amount of the payable amount that is subsequently paid, and the balance is returned to the winning member. Or, by using the method of obtaining the 'standard amount, the payables of the winning members will be compared with the guaranteed amount of the winning members, and if the guaranteed amount is greater than the subsequent payables, then the full amount will be collected. If the guaranteed amount is less than the payables of the subsequent payable medical practitioner, the portion of the winning or liquidated bid will be taken. In addition, when the current period is the last-time bid opening, the management unit will hand over all the winning amounts of the current period to the winning members. The management unit of the present invention is preferably a management company or a management personnel having a guarantee capability. The membership application can be conducted through the Internet or by telephone. The bidding financing management method of the present invention can also establish a trust account for managing the accounts. Successful bidders can also repay their payables on a regular basis by using a credit card to pay regularly or by bank account transfer. The material level also includes the (4) bid opening procedure, as well as the notification and tracking of the investment amount payment, or the further step can be used to win and pay the deferred payment of the winning member when the winning member fails to perform the repayment obligation. Payables to ensure the rights of unqualified members. Therefore, the bidding financing management method of the present invention is similar to a joint meeting, but the establishment and operation of the meeting can be carried out without a meeting. Therefore, each time a bid is opened and the amount of the investment is paid, the unqualified member can earn appropriate compensation. Since the bidding financing management method of the present invention can accept investment members who do not need credit review, the level of participating members can be effectively expanded: 200951865 and quantity. In addition, the management unit of the bidding financing management method of the present invention is more likely to ensure the recovery and collection of creditor's rights due to the monthly payment, so the member who invests completely needs to worry about the failure of the creditor's rights. Therefore, the present invention can more effectively increase the willingness of the member's capital and make the funds M that are in urgent need of funds can easily and quickly obtain the required funds. By means of application fax, E_mai, telephone voice login, website login or direct receipt of business personnel, you can also easily join the membership and effectively expand the scope of application. The bidding financing management method of the present invention further utilizes the liquidation winning amount or the burden of the management unit. The bidding member is responsible for the subsequent payment of the payables, so that the management unit can operate safely and reliably. Collection of payables to provide assurance of normal operation. [Embodiment] The bidding financing management method of the present invention can provide appropriate and safe capital demand and investment income, and members can select the required conditions according to the financing conditions, so that the wealth can be accumulated efficiently or the required borrowing funds can be obtained. The spirit and scope of the present invention will be apparent from the following description of the preferred embodiments of the present invention, which may be modified and modified by the teachings of the present invention. It is within the spirit and scope of the invention. Referring to Figure 1, there is shown a flow chart of a bidding financing management method of the present invention. The bidding financing management method of the present invention comprises the following steps, first performing the member application process 'step 110, and then performing the member identity confirmation, step 120. Then proceed to step 130, through the establishment of the financing group 'to achieve the group meeting process' step 14 〇 bidding process, and step 8 200951865 ❹
=150的還执流程’以下將――分別清楚地加以說明。同 參閱第2圖’其係㈣本發明之競標式融資管理方法之 身份確認流程之細部流程示意圖。步驟2ig接受客戶加入 的申請，其可以彻巾請單傳真、Ε·Π、電話語音登錄、 網站登錄或者是業務人員的直接收件料式騎加入。在 同意加入本發明之競標式融f平台，客戶更需提供個人的 基本資料其較佳地包含，例如是身份證號务、銀行帳戶資 料、生日、工作、聯絡地址以及收入等資料等步驟2別。 接著進入步驟230，客戶簽署個資法同意書，一般而 言’欲成為會員之客戶可簽署完成此個資法同意書，以進 行後續的融資小組成立與投標流程。而有關於個資法同意 書若疋在法7許可的情況下，亦可利用網路進行電子簽 署，其亦不脫離本發明之精神與範圍。 步驟240,管理單位接著根據上述之資料進行客戶的身 份確認。步驟250，最後在進行簽約對保之後，此客戶即可 加入成為平台會員。 一般而言，本發明之競標式融資管理方法主要係提供 有_貝金需求者或者是希望藉由加入平台以累積財富者之參 與。然而，傳統之合會會員係以預支合會金，再以分期償 還方式於後續會期逐期支付合會金，故傳統之合會運作風 險即在會員預支合會金後無法依約定逐期支付後續合會 金。 其中，又以傳統合會捲款潛逃的問題最為嚴重。由於 本發明之競標式融資管理方法之管理單位的工作即在保證 平台正常運作，故在此前提之下，管理單位得要求參與者 200951865The =150 re-execution process 'below' will be clearly stated separately. Referring to Fig. 2, it is a detailed process diagram of the identity verification process of the bidding financing management method of the present invention. Step 2ig accepts the application of the customer to join, which can be faxed, Ε·Π, telephone voice login, website login or directly received by the business personnel. In order to join the bidding-based platform of the present invention, the customer needs to provide personal basic information, which preferably includes, for example, ID card number, bank account information, birthday, work, contact address, income, etc. Step 2 do not. Next, proceeding to step 230, the client signs a capital law agreement. Generally speaking, the client who wants to become a member can sign the completion of the capitalization agreement for follow-up financing group establishment and bidding process. However, if the consent form of the capital law is permitted under the law, it can also be electronically signed using the Internet without departing from the spirit and scope of the present invention. In step 240, the management unit then performs the customer's identity confirmation based on the above information. Step 250, finally, after signing the contract, the customer can join the platform member. In general, the bidding financing management method of the present invention mainly provides the participation of the _Beijin demander or the person who wishes to accumulate wealth by joining the platform. However, the traditional guild members pay the stipends in advance in the follow-up period by means of advance payment, and the traditional joint operation risk is that they cannot be scheduled according to the agreement after the member advances the contract. Pay the follow-up membership fee. Among them, the problem of absconding with traditional confession is the most serious. Since the work of the management unit of the bidding financing management method of the present invention is to ensure the normal operation of the platform, the management unit has to request the participants under this premise.
在一定信用額度下方可預支得標金額。因此，本發明之競 標式融資管理方法對於得標會員將要求先購買保證額度 後，方可領取得標金額。然而，若是全部會員均需進行作 用審查與提供信用額度，其將限制部分僅欲投資的會員的 加入，尤其是對於不想揭露個人信用狀況的投資者，或者 是部分具有財力，但卻無評等之投資者，例如是家庭主婦 等，均不易加入。本發明之競標式融資管理方法可以提供 含有無需信用審核之投資型會員的加入，使得無信用評等 之家庭主婦，或者是任何不欲揭露個人信用狀況的投資 人，均可加入，不僅有效擴大可參與會員的層面與更增加 會員的數量。因此，對於僅需進行投資的投資型會員，可 無需靖貝保證額度，以方便會員進行投資。 有關於保證額度亦可以於得標後再進行購買，即曰後 針對需提供保證額度之會員，在將其巾請書交付管理單位 之審查部門’騎信絲核，時供其健額度領取得標 之金額，故若毋需購買保證額度則可毋需進行信用審查。 因此，本發明之競標式融資管理方法之管理單位對於投資 會員’僅需簽訂相關往來合約之相關文件。然而，對於有 講買保證額度需求之保證戶，更需另料訂履約保證合約 之相關文件。 巾、貝嘗理方法亦可以 網路進行中請，以方便會員的加人，進而擴大資金的來 並可以方便對於有資金需求的客戶取得合適資金。 在完成身份確認流程之後，參閱第3圖其係繪 發明之競標式融資管理方法之融資小組成立流程之細 200951865 程示意圖。如圖所示，步驟500，管理單位設定融資條件， 亦即設定借款或報酬條件’例如是一預設的底標、期數、 投標次數、每期會金及/或一預定的上限標金。步驟51〇， 會員依據需求選擇合適的融資條件。步驟520，管理單位之 電腦系統根據每一會員所選擇之融資條件進行系統配對。 而配對的原則較佳地係以每期會金與期數相同者優先進行 配對。參閱步驟530，當無法完成配對則回到步驟51〇重新 設定融資條件，若是完成配對則進入步驟54〇進行競標。 ^ 此外，管理單位亦可預先設定複數個定型化的融資條件， 由會員進行圈選，以方便系統配對，其均不脫離本發明之 精神與範圍。 接著，參閱第4圖，其係繪示本發明之競標式融資管 理方法之投標流程之細部流程示意圖。·如圖所示，步驟 610,配對成功之會員可於一預定的日期進行競標。而競標 的方式可以採用網路直接登入管理單位之電腦系統由系統 畫面直接輸入、透過電話語音輸入、或透過委任方式交付 © #單等方式輸人當期標金…般而言’在上述之預定的開 標曰期之前3天’會員即可利用上述之各種管道進行投標。 本發明並不限定於此，會員亦可以利用上述之管道進行 後續每一期之標金設定，其亦不脫離本發明之精神與範圍。 當到達預定的開標日期後，管理單位之電腦系統將根 據每個投標會員所設定的當期標金進行競標，若有低於底 標或高於上限標金的標單先行去除，然後由最高標金者得 標。若有兩名以上會員登錄相同的標金，則可依投標的先 後順序或者是可採抽籤的方式，決定最後得標的會員。 200951865 在每期競標完成後，未 金額，例如是每期产今，標會員則需缴納當期之投資 以下列幾種方=;= 當期之標金。而得標會員則可 仍無會員投標或者是標金均於=時截至競標時間截止 底標金額針對所有未得標客戶進=:，τ單位可依 當完成競標後，決定抽籤’以決定得標者。 ❹ ❹ 向管理單位領取得標金額:而=亦=會員將可 =認結算方式，並通知全體會員決標結果。而:=二 的結算方式發放得標金額。；放員則依其所選擇 為⑴清算得標金額的方式發放/驟=額的方式一般可分 額的方式，步驟㈣; 步驟㈣，其依序㈣說領取得標金額且為會尾， 非合屋⑴清算得標金額的方式，當會員得標之後，且盆並 (最後—個得標會員），可採取下列之方式進行清算 ’無保證額度者採結清方式或扣成數方式結算， t疋說、’、絲除應缴應付款或部份成數，再發放餘額。 甘前述之投資型會員一般而言並不進行競標，然若因 其他原因，例如是接近尾會時或者是急需用錢時，亦可以 採用此種方式領取得標金額。 (2)領取得標金額的方式，則依購買的保證額度來決 定可領取之得標金額的額度。若保證額度餘額大於應缴得 ^金額者則可採全額領取。然若，保證額度餘額小於應繳 得標金額者可採結清或部份領取方式。 ⑺領取得標金額且為會尾，則由最後一個得標會 200951865 員，也就是會尾全領。 務，步称㈣舆68〇。其中，選^之義 =額之會員’以定期償還後續之得標金额，例 ^開立後續會期還款本票交付管理單位或其他可行之方^ 還款。而方式（3)則適用於最後—個得 j 除部分之費用後，領取當期全部之金額。 其了在扣The amount of the bid can be advanced under a certain credit limit. Therefore, the bidding financing management method of the present invention will require the purchase of the guarantee amount for the winning member to obtain the bid amount. However, if all members are required to review the role and provide credit lines, they will limit the participation of some members who only want to invest, especially for investors who do not want to expose their personal credit status, or part of the financial resources, but no rating. Investors, such as housewives, are not easy to join. The bidding financing management method of the present invention can provide an investment-type member with no credit review, so that a housewife without credit rating, or any investor who does not want to disclose personal credit status can join, not only effectively expanding Can participate in the membership level and increase the number of members. Therefore, for investment-type members who only need to invest, they can avoid the Jingbei guarantee amount, so that members can invest. The relevant guarantee amount can also be purchased after the bid is obtained. After that, the member who needs to provide the guarantee amount will be required to provide the amount of the guarantee to the management unit of the management unit when riding the letter core. The amount, so if you do not need to purchase a guarantee amount, you do not need credit review. Therefore, the management unit of the bidding financing management method of the present invention only needs to sign relevant documents of the relevant transaction contract for the investment member. However, for those who have a guarantee for the purchase guarantee amount, it is necessary to separately specify the relevant documents of the performance guarantee contract. The method of toweling and shelling can also be done online to facilitate the addition of members, thereby expanding the funds and facilitating the acquisition of suitable funds for customers with financial needs. After completing the identity verification process, refer to Figure 3, which is a breakdown of the establishment process of the financing group for the bidding financing management method of the invention. As shown in the figure, in step 500, the management unit sets the financing condition, that is, sets the borrowing or remuneration condition 'for example, a preset bid, number of periods, number of bids, per-session bonus, and/or a predetermined upper limit amount. . Step 51〇, the member selects the appropriate financing conditions according to the needs. In step 520, the computer system of the management unit performs system pairing according to the financing conditions selected by each member. The principle of pairing is preferably matched with the priority of each period of the same amount of money and the number of periods. Referring to step 530, when the pairing cannot be completed, the process returns to step 51 and the financing condition is re-set. If the pairing is completed, the process proceeds to step 54 to perform the bidding. ^ In addition, the management unit may also pre-set a plurality of finalized financing conditions, which are selected by the members to facilitate system matching, without departing from the spirit and scope of the present invention. Next, referring to Fig. 4, there is shown a detailed flow chart of the bidding process of the bidding financing management method of the present invention. As shown, in step 610, the successfully paired member can bid on a predetermined date. The bidding method can be directly input into the computer system of the management unit by the network, input directly from the system screen, voice input through the telephone, or by means of appointment. © #单单方式, input the current standard gold... Generally speaking, 'in the above 3 days before the scheduled opening period, members can use the various pipelines mentioned above for bidding. The present invention is not limited thereto, and members may also use the above-mentioned pipelines to perform the subsequent setting of the gold medals without departing from the spirit and scope of the present invention. When the scheduled opening date is reached, the computer system of the management unit will bid according to the current standard gold set by each bidding member. If there is a label below the bottom label or above the upper limit, the label will be removed first, then the highest The winner is awarded the bid. If more than two members are logged in to the same standard, the final winning member may be determined according to the order of the bid or the manner in which the lottery can be drawn. 200951865 After the completion of each bid, the unspent amount, for example, the current period of production, the standard member will be required to pay the current investment in the following ways =; = the current period of the gold. The winning bidders may still have no membership bids or the bids are all at the time of the bidding deadline. The bottom bid amount is for all unsuccessful customers. =:, τ units can be determined after the bidding is completed. Subject. ❹ 取得 Obtain the target amount from the management unit: and = also = member will be able to = confirm the settlement method, and inform all members of the result of the award. And: = two settlement method issued the winning amount. The release of the staff is based on the method of (1) the method of liquidating the amount of the proceeds, the method of issuing the amount of the amount, and the method of generalizing the amount, the step (4); the step (4), which in accordance with the order (4), obtains the target amount and is the end of the meeting. Non-combined housing (1) The method of liquidating the winning amount, after the member wins the bid, and the potted (final-winning member), the following methods can be used for liquidation. , t疋 said, ', in addition to payable or part of the amount, and then the balance. Investors of the above-mentioned investment type generally do not bid, but if for other reasons, such as when they are close to the end or when they need money urgently, they can also obtain the target amount in this way. (2) The method of obtaining the target amount shall determine the amount of the winning amount that can be obtained according to the guaranteed amount of the purchase. If the amount of the guaranteed amount is greater than the amount that should be paid, the full amount can be collected. However, if the balance of the guarantee amount is less than the amount to be paid, the method may be settled or partially collected. (7) If the leader obtains the target amount and is the end of the meeting, then the last winning bid will be 200951865, which is the full tail of the meeting. Service, step (4) 舆 68 〇. Among them, the member who chooses ^ meaning = amount to repay the subsequent winning amount, for example, to open the subsequent repayment of the promissory note to the management unit or other feasible party ^ repayment. The method (3) is applicable to the final amount of the total amount of the current period. Its buckle
管理單位可以是-公司或一管理人員，而其工作與 :則：：協助會員管理得標金額’並提供客戶保證額度購 貝，其更可進行會員的招募、組會與管理，在入會申請之 初’協助招募會員並提供操作平台，並根據會員之需^， 提供所需之保證額度’以加強其參與平台的信用。此外， 在進行開標的過程中，管理單位更保障平台之正常運作， 例如是訊息通知、開標業務以及帳務處理等工作。 此外，在侍標會員領取得標金額後或者是得標會員 清算得標金額後，管理單位協助進行債務繳款的提醒與回 收。管理單位在與得標會員完成得標金額清算或領取後， 更可與得標會員簽訂委任管理合約，負責任地保證未得標 會員的全部債權。因此，即便是利用本發明之競標式融資 管理方法進行投資，以賺取標金的會員，可以完全無需擔 心知標會員拒絕償還其得標的會金時，其投資的金錢不保 的情況。 此外，由於本發明之競標式融資管理方法完全無需會 首，故每一次開標與繳納會金時，未得標會員均可賺取該 13 200951865 f的標金的報酬’若得標的會員購買保證額度則需向管理 單位繳納適當的保證金，以使管理單位正常運作。 由於，本發明之競標式融資管理方法之管理單位更保 證債權的回收與催繳’故投資的會員完全無需擔心債權不 保。因此’可以有效地提高會員投資的意願，以使得急需 資金的會員可以方便與快速的取得所需的資金。 本發明之競標式融資管理方法有效地改良之傳統之合 會’擴大參輿者的範圍，且方便參與者利用電話語音、網 © 路介面或臨櫃服務等不同之方式，加入會員。且利用清算 得標金額或者是由管理單位負擔起得標會員後續得標金額 之繳納責任，使平台可安全且可靠的運作。此外，管理單 位更負責通知會員應付、應收金額，降低傳統合會所存在 之風險。管理單位同時負起延滞應付款的催收，以提供平 台JL常運作的保證。 如熟悉此技術之人員所瞭解的，以上所述僅為本發明 之較佳實例而已’並非用以限定本發明之申請專利範圍。 瘳 凡其它未脫離本發明所揭示之精神下所完成之等效改變或 修倚’均應包含在下述之申請專利範圍内。 【圖式簡單說明】 為讓本發明之上述和其他目的、特徵、優點與實施例 能更明顯易懂，所附圖式之詳細說明如下： 第1圖係為本發明之競標式融資管理方法之流程示意 圖； 第2圖係為本發明之競標式融資管理方法之身份確認 200951865 之細部流程示意圖； 第3圖係為本發明之競標式融資管理方法之組會流程 之細部流程示意圖；以及 第4圖係為本發明之競標式融資管理方法之投標流程 之細部流程示意圖。 【主要元件符號說明】 110〜690 :步驟The management unit can be - a company or a manager, and its work with: then:: assist the member to manage the winning amount 'and provide the customer with a guaranteed amount of purchase, which can also be used for membership recruitment, group meeting and management. At the beginning of the application, 'help recruit members and provide an operating platform, and provide the required guarantee amount according to the needs of the members' to strengthen the credit of their participation platform. In addition, in the process of opening the bid, the management unit will ensure the normal operation of the platform, such as information notification, bid opening business and accounting processing. In addition, after the bidder member receives the bid amount or after the bidder member clears the bid amount, the management unit assists in the reminder and recovery of the debt payment. After the management unit has completed the liquidation or receipt of the winning amount, the management unit may sign an appointment management contract with the winning member to responsibly guarantee the full creditor's rights of the unqualified member. Therefore, even a member who uses the bidding financing management method of the present invention to make an investment to earn a bid can completely avoid having to worry about the money that the investment member does not guarantee when the member refuses to repay the winning fund. In addition, since the bidding financing management method of the present invention does not need to be the first, there is no need for the member to earn the reward of the 13 200951865 f for each bid opening and payment. The amount will need to pay the appropriate margin to the management unit to enable the management unit to function properly. Since the management unit of the bidding financing management method of the present invention further guarantees the recovery and collection of creditor's rights, the members of the investment do not need to worry about the creditor's rights. Therefore, it can effectively increase the willingness of members to invest, so that members who are in urgent need of funds can easily and quickly obtain the required funds. The traditional method of effectively improving the bidding financing management method of the present invention expands the scope of the participants and facilitates the participants to join the members by means of telephone voice, network © way interface or service. And the use of clearing the winning amount or the responsibility of the management unit to bear the subsequent bid-winning amount of the winning member, so that the platform can operate safely and reliably. In addition, the management unit is more responsible for notifying the member of the amount due and receivable, and reducing the risk of traditional associations. The management unit also takes up the collection of deferred payables to provide a guarantee for the normal operation of the platform JL. The above description is only a preferred embodiment of the present invention as understood by those skilled in the art, and is not intended to limit the scope of the invention. All other equivalent changes or modifications made without departing from the spirit of the invention shall be included in the scope of the following claims. BRIEF DESCRIPTION OF THE DRAWINGS In order to make the above and other objects, features, advantages and embodiments of the present invention more obvious, the detailed description of the drawings is as follows: FIG. 1 is a bidding financing management method of the present invention. Schematic diagram of the process; Figure 2 is a schematic diagram of the detailed process of the identity verification 200951865 of the bidding financing management method of the present invention; FIG. 3 is a schematic diagram of the detailed process of the bidding financing management method of the present invention; 4 is a schematic diagram of the detailed process of the bidding process of the bidding financing management method of the present invention. [Main component symbol description] 110~690: Step
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