TWI607401B - Multi-factor loan conditions matching system incorporating credit default insurance mechanism - Google Patents

Description

Multi-factor lending conditional mediation system incorporating insurance-protection mechanism

The invention relates to a P2P network lending system in the field of financial technology, in particular to a multi-factor lending condition matching system incorporating the underwriting insurance mechanism.

With the continuous evolution of financial technology and the loosening of relevant regulations, there is a P2P network lending service platform on the market for online lending services for both borrowers and lenders. The emergence of the P2P online lending service platform has changed the traditional lending behavior model of banks as the main body of lending. However, there are still many links in the online media matching mechanism of the existing P2P network lending service platform that adopt similar practices to traditional bank lending operations. For example, many P2P online lending service platforms follow the traditional banking practices and conduct financial credits to borrowers in advance. Such an approach may seem to enhance the protection of lenders (or investors), but in fact the risk of default by the borrower is still borne by the lender, and the protection of the lender is obviously insufficient.

In addition, the interest rate of funds borrowing on many P2P network lending service platforms is determined by the platform operators in a non-transparent manner, rather than dynamically determined by the market mechanism during the online matching process of users of the lending and borrowing parties. Some P2P network lending service platforms allow users of both borrowers and lenders to set their own expected interest rates, and in the process of matching, the market mechanism dynamically determines the lending rate of funds, but the users of both lenders can only target the single interest rate. The project is set up and there are still no adjustments for other borrowing conditions. Power and flexibility.

The lending conditions that users of both borrowers and lenders can set are limited to the single item of interest rate, which really helps to greatly simplify the technical complexity and system requirements of the P2P network lending service platform for supply and demand. However, over-restricting the flexibility of the borrowing and lending users to the loan conditions will make it difficult for the P2P online lending service platform to attract more members, which will make the market mechanism unable to function effectively, which will make the platform media synthesis ineffective. result.

In view of this, how to effectively reduce the risks that lenders need to bear and give users of both borrowers and lenders more flexibility in setting loan conditions is a problem that the industry has yet to solve.

The present specification provides an embodiment of a multi-factor lending condition matching system, comprising: a gold stream processing device for processing data required for transferring funds between different user accounts; and a lending parameter processing device for recording The lending parameter data sent by the plurality of investor devices to generate a corresponding plurality of lending requests, wherein each lending request includes a lending rate parameter and a privilege ratio parameter; and a borrowing parameter processing device is used for recording Loan parameter data from the borrower device to generate a corresponding plurality of loan requests, wherein each loan request includes a borrowing interest rate parameter and a premium parameter; a media sequence adjustment device is used to sort the multiple And a plurality of sorting scores respectively corresponding to the plurality of loan requests, and sorting the plurality of sorting scores according to the plurality of loaning points according to the plurality of loaning request respective loan interest rate parameters and the allowance ratio parameter a plurality of loan requests; and a mediation device for adjusting the order determined by the device according to the mediation sequence, from the plurality Looking for a loan request or more lenders Request matches with a condition of the plurality of target loan loan request; wherein, if the request has been found matchmaking device subject to the borrowing conditions from the plurality of lending request matches Upon matching the payment request, the mediation device instructs the golden stream processing device to process the information required for the funds transfer between a borrower account corresponding to the target loan request and an investor account corresponding to the matching loan request.

One of the advantages of the above embodiments is that the insurance-insurance mechanism is incorporated into the operation process of lending and lending, which can effectively reduce the debt default risk that the lender needs to bear.

Another advantage of the above embodiment is that the users of both the borrowing and the lending can flexibly set the interest rate and other borrowing conditions, so that the mediation system can create more mediation and mediation possibilities, thereby satisfying the users of both the borrowers and the borrowers. Diversified needs.

Another advantage of the above embodiments is that the user's loan condition setting flexibility can be improved, so that the aggregation effect of the mediation system can be greatly improved, and the market mechanism can be more fully utilized in the mediation system, thereby enabling the media system to be generated. Add multiplicative matchmaking effect.

Other advantages of the invention will be explained in more detail in conjunction with the following description and drawings.

100‧‧‧Loan conditions matching system

101a, 101b, 101n‧‧‧Investor device

103a, 103b, 103m‧‧‧ Borrower device

105‧‧‧Bank server (bank server)

107‧‧‧ third-party payment service provider server

110‧‧‧money flow processing device

120‧‧‧Lending parameters processing device

130‧‧‧borrowing parameters processing device

140‧‧‧matching order adjusting device

142‧‧‧Lending request queue

144‧‧‧borrowing request queue

150‧‧‧matching device

FIG. 1 is a simplified functional block diagram of a multi-factor lending condition matching system according to an embodiment of the present invention.

FIG. 2 is a simplified flowchart of a lending condition matching method according to an embodiment of the present invention.

FIG. 3 to FIG. 7 are schematic diagrams showing the simplified operation of the multi-factor lending condition matching system of FIG. 1 when the partial flow in the lending condition matching method of FIG. 2 is performed.

Embodiments of the present invention will be described below in conjunction with the associated drawings. In the drawings, the same reference numerals indicate the same or similar elements or methods.

FIG. 1 is a simplified functional block diagram of a multi-factor lending condition matching system 100 according to an embodiment of the present invention. The multi-factor lending condition matching system 100 can use a plurality of investor devices operated by users of different investors (or lenders) through the Internet (for example, in FIG. 1 The exemplary investor devices 101a, 101b, 101n) are in data communication, and may also be operated by a plurality of borrower devices operated by different borrower users over the Internet (eg, the exemplary borrower device 103a in FIG. 1) , 103b, and 103m) for data communication. Alternatively, the multi-factor lending conditional matching system 100 can also communicate with one or more bank servers (e.g., the exemplary bank server 105 of FIG. 1) and/or one or more third party payment mechanisms over the Internet. A server (e.g., the exemplary third party payment mechanism server 107 of FIG. 1) performs data communication for the transmission of associated gold stream data.

Please note that the lowercase English indexes a, b, m, n, etc. in the device number used in the present specification and drawings are merely for convenience of referring to individual devices, and are not intended to limit the number of devices described above to a specific number.

As shown in FIG. 1 , the multi-factor lending condition matching system 100 includes a gold stream processing device 110 , a lending parameter processing device 120 , a borrowing parameter processing device 130 , a mediation sequence adjusting device 140 , and a media matching device 150 . .

In the multi-factor lending condition matching system 100, the gold stream processing device 110 is configured to communicate with one or more bank servers 105 and/or one or more third party payment institution servers via an internet or other data transmission conduit. 107 Data communication to process the information needed to transfer funds between different user accounts.

The lending parameter processing device 120 is configured to record lending parameters data sent by a plurality of investor devices (for example, 101a, 101b, 101n, etc. in FIG. 1) to generate corresponding plurality of lending requests (lending request) ). The borrowing parameter processing device 130 is configured to record borrowing parameter data (for example, 103a, 103b, and 103m in FIG. 1) to generate corresponding borrowing requests (borrowing request). ).

The match sequence adjustment device 140 is configured to calculate respectively corresponding to the plurality of loan requests described above A plurality of priority scores should be applied, and the foregoing plurality of loan requests are sorted according to the sorting scores. In addition, the match sequence adjustment device 140 is further configured to sort the foregoing plurality of loan requests. In operation, the match order adjustment device 140 may store the sorted plurality of loan requests in a loan request queue 142, and store the sorted plurality of loan requests in a loan request queue 144.

The matching device 150 is configured to search for a loan request corresponding to the individual loan request from the plurality of loan requests described above in accordance with the order determined by the mediation sequence adjusting device 140.

If the matching device 150 finds a matched lending request corresponding to the specific loan request condition from the plurality of loan requests, the matching device 150 may instruct the gold stream processing device 110 to process the corresponding borrowing request. Information required for the transfer of funds between a borrower's account and an investor's account corresponding to the matching lending request.

In practice, the investor devices 101a-101n and the borrower devices 103a-103m in FIG. 1 can be operated by various network-capable capable executable browsers or related applications to log in to the multi-factor lending condition matching system 100. The device is implemented, for example, a desktop computer, a notebook computer, a tablet computer, a smart phone, or the like. Both the bank server 105 and the third party payment institution server 107 can be implemented with one or more computer servers dedicated to processing the gold stream data.

The different functional blocks in the multi-factor lending condition matching system 100 can be implemented by different hardware devices or integrated into a single hardware device. For example, the gold stream processing device 110, the lending parameter processing device 120, the loan parameter processing device 130, the mediation sequence adjusting device 140, and the mediation device 150 may respectively use a plurality of computers located in the same geographical area or in different geographical regions. Servers are implemented and connected to each other via the Internet, a regional network, or a dedicated data transmission line. Or you can The gold stream processing device 110, the lending parameter processing device 120, the borrowing parameter processing device 130, the mediation sequence adjusting device 140, and the mediation device 150 are all integrated into a single computer server having powerful computing capabilities, and are used in different applications. Module to achieve.

The operation of the multi-factor lending condition matching system 100 will be further described below in conjunction with FIGS. 2 through 7. FIG. 2 is a simplified flowchart of a lending condition matching method according to an embodiment of the present invention. FIG. 3 to FIG. 7 are schematic diagrams showing the simplified operation of the multi-factor lending condition matching system 100 for performing part of the flow of the lending condition matching method of FIG. 2 .

In the flow chart of Fig. 2, the flow located in the field to which a particular device belongs is representative of the flow performed by the particular device. For example, the portion marked in the "lending parameter processing device" field is the flow performed by the loan parameter processing device 120; the portion marked in the "borrowing parameter processing device" field is the borrowing parameter processing device 130. The flow of the process; the part marked in the "matching sequence adjustment device" field is the flow performed by the mediation sequence adjustment device 140; the part marked in the "media combination device" field is the media The process performed by the device 150 is performed.

After each borrower user joins the multi-factor lending condition matching system 100, the operating unit of the multi-factor lending condition matching system 100 can use various credit information methods to conduct financial crediting procedures for the borrower user to evaluate The credit rating of the borrower user. After the credit rating evaluation is completed, the loan parameter processing apparatus 130 may perform a process 201 to record the credit rating of each borrower user in an appropriate database (not shown in FIG. 1).

A lender (ie, an investor user) who wants to lend money to other users to earn interest can operate the investor device connection to log in to the multi-factor lending condition matching system 100, and the lending data generated by the lending parameter processing device 120 In the edit page, enter or edit the loan parameter data related to the borrowing conditions in mind. In this embodiment, the foregoing loan parameter data includes the current loan amount, the lending rate, the loan period, and the proportion of the capital (credit default insurance covering percentage), and multiple borrowing conditions such as the borrower's credit rating.

In order to effectively reduce the debt default risk that the investor user needs to bear, in the operation mechanism of the multi-factor lending condition matching system 100, the operating unit of the multi-factor lending condition matching system 100 will borrow from the investor user. For each sum of money, an accompanying cover-up insurance is provided to enable the borrower to use the claim amount of the above-mentioned protector insurance to fill the investor’s user in the event of a debt default of the borrower’s default. One or all of the remaining principal that has not been repaid.

The term "protective insurance" as used in the scope of the specification and patent application refers to a A credit default insurance that can be used to claim the loss of one or all of the remaining principal of the investor's user that has not been repaid in the event of a debt default of the borrower's default. The term “protection ratio” as used in the scope of the specification and patent application refers to the debt default situation in which the borrower’s user defaults and does not repay in the event of a successful borrowing of the funds. The remaining principal of the investor user that has not been repaid can obtain a proportional value of the claims insurance mechanism provided by the operating unit of the multi-factor lending condition mediation system 100. For example, if the investor's user wants the underwriting insurance mechanism to protect the two percent of the remaining principal, the aforementioned percentage of the protected capital can be set to 20%; if the investor's user wants to protect the insurance, the remaining The 50% of the principal amount can be set to 50% of the above-mentioned protection ratio; if the investor's user wants to protect the full amount of the remaining principal, the aforementioned protection ratio can be set to 100%; the rest and so on.

When the different investor users transmit the respective edited plurality of loan parameter data to the multi-factor lending condition matching system 100 through the plurality of investor devices 101a, 101b, and 101n, the lending parameter processing device 120 performs Flow 203 to record the foregoing A plurality of deposit parameter data transmitted from the plurality of investor devices 101a, 101b and 101n to generate a corresponding plurality of loan requests.

The term "lending request" as used in the specification and the scope of the patent application refers to the data matching unit generated by the loan parameter processing device 120 in accordance with the aforementioned loan parameter data (representing the borrowing conditions set by the investor user). Data comparison unit) can be expressed in the form of various computer data structures.

In this embodiment, each loan request may include a deposit amount parameter, a lending rate parameter, a lending period parameter, a credit default insurance coverage parameter, and a credit rating parameter. The loan amount parameter is used to indicate the lending amount in the lending parameter data, and the lending rate parameter is used to indicate the lending rate in the lending parameter data, and the lending period parameter is used to indicate the lending period in the lending parameter data. The proportional parameter is used to indicate the proportion of the protection in the aforementioned loan parameter data, and the credit rating parameter is used to indicate the credit rating of the object that the investor user is willing to lend.

On the other hand, the borrower user who wants to borrow money from other investor users can operate the borrower device connection to log in to the multi-factor lending condition matching system 100, and the loan data editing page generated by the borrowing parameter processing device 130. In, enter or edit the borrowing parameter data related to the borrowing conditions in mind. In this embodiment, the foregoing borrowing parameter data includes multiple borrowing conditions such as the current loan amount, the borrowing interest rate, the borrowing period (or the number of repayment periods), and the insurance premium limit.

In the operation mechanism of the multi-factor lending condition matching system 100, the operating unit of the multi-factor lending condition matching system 100 needs to pay the aforementioned insurance for the relevant insured units (for example, various insurance companies) for a specific loan item. The premium is paid by the borrower's user, for example, from the amount of the loan obtained by the borrower's user. The term "insurance ceiling" as used in the scope of the specification and patent application refers to the maximum amount of insurance premiums that the borrower's user is willing to pay for a specific loan.

In practice, the aforementioned premium ceiling can be expressed in terms of the amount of money, or it can be expressed as a percentage of the amount of the loan.

When different borrower users transmit the respective edited plurality of loan parameter data to the multi-factor lending condition matching system 100 through the plurality of borrower devices 103a, 103b, and 103m, the borrowing parameter processing device 130 performs The process 205 is configured to record a plurality of borrowing parameter data transmitted by the plurality of borrower devices 103a, 103b and 103m to generate a corresponding plurality of loan requests.

The term "borrowing request" as used in the specification and the scope of the patent application refers to the data matching unit generated by the borrowing parameter processing device 130 based on the aforementioned borrowing parameter data (representing the borrowing conditions set by the borrower user). It can also be represented by the type of various computer data structures.

In this embodiment, each loan request includes a loan amount parameter, a borrowing rate parameter, a borrowing period parameter, and a premium parameter. The borrowing amount parameter is used to indicate the borrowing amount in the foregoing borrowing parameter data, and the borrowing interest rate parameter is used to indicate the borrowing interest rate in the foregoing borrowing parameter data, and the borrowing period parameter is used to indicate the borrowing period in the foregoing borrowing parameter data, and The premium parameter is used to indicate the premium limit in the aforementioned borrowing parameter data.

After receiving the plurality of loan requests generated by the lending parameter processing device 120, the mediation sequence adjusting device 140 may perform a flow 207, corresponding to the plurality of loan requests according to the respective lending rate parameter and the cost ratio parameter. Multiple sort scores.

In the process 209, the match sequence adjustment device 140 may sort the plurality of loan requests according to the plurality of sort scores.

The sequence adjustment device 140 can calculate a ranking score corresponding to each loan request by using the following inequality according to the loan interest rate parameter and the protection ratio parameter of each loan request in the process 207:

Among them, d represents a debt default probability. In the multi-factor lending condition matching system 100, it is assumed that the borrower's debt default rate of different credit ratings has a high or low probability, and different borrower users with the same credit rating have the same debt default probability.

R represents a proportional value corresponding to the ratio of the protection ratio, and the size is between 0% and 100%.

n represents the number of loan periods corresponding to the loan period parameter.

Y ₀ represents the initial residual principal of the first period corresponding to the loan amount parameter.

Y _t represents the remaining principal of the t period corresponding to the loan amount parameter.

r _f represents a risk-free rate.

β represents a discount rate.

PMT represents the principal and interest of the borrower in each period, which can be expressed as PMT=r(1+r) ⁿ /[(1+r) ⁿ -1], where r represents a risk rate.

For example, the mediation sequence adjustment device 140 may first calculate the lower limit value of the principal and interest PMT for each period that satisfies the above inequality, and then convert the lower limit value of the risk interest rate r from the lower limit value of the principal and interest PMT for each period. Next, the match sequence adjustment device 140 may subtract a lower interest rate of the risk interest rate r from a lending rate represented by the lending rate parameter to calculate a corresponding ranking score for a particular lending request.

In this embodiment, the mediation sequence adjustment device 140 may be a lending with a smaller sorting score. Find the higher the match priority. For example, the mediation sequence adjustment device 140 may sequentially arrange the plurality of loan requests described above in the loan request queue 142 in a small to large manner in the flow 209.

For example, in the flow 207, the mediation sequence adjusting device 140 may first calculate the lower limit value of the risk interest rate r of each loan request in the foregoing manner, and then set a lending rate represented by the lending rate parameter of each lending request. The lower limit value of the aforementioned risk interest rate r is subtracted to calculate an excess return rate corresponding to each loan request. Next, the match order adjustment means 140 may convert the excess return rate of each loan request into a corresponding sort score such that the sort score of each loan request is inversely proportional to the excess return rate of each loan request.

In this embodiment, the match order adjusting means 140 may set a higher match priority for the lottery request having a larger sort score. For example, the mediation sequence adjustment device 140 may sequentially arrange the plurality of loan requests described above in the loan request queue 142 in a manner that the ranking score is large to small in the process 209.

For example, in the flow 207, the match order adjustment device 140 may first calculate the excess return rate of each loan request according to the foregoing manner, and then convert the excess return rate of each loan request into a corresponding sort according to the following conversion formula. Score: S = (1-5 × r _p ) × 100

Where S represents the ranking score and f _p represents the excess return rate.

In this embodiment, the match order adjusting means 140 may set a higher match priority for the lottery request having a larger sort score. For example, the match order adjustment device 140 may also sequentially arrange the plurality of loan requests in the loan request queue 142 in a manner that the ranking score is large to small in the flow 209.

It can be seen from the above description that the sorting score set by the matching sequence adjustment device 140 for each loan request is a comprehensive evaluation result after taking into account a plurality of loan conditions corresponding to each loan request, to a considerable extent. It reflects the total capital borrowing cost that the borrower must pay when each lending request succeeds in the future.

On the other hand, after receiving the plurality of loan requests generated by the borrowing parameter processing device 130, the mediation sequence adjusting device 140 may perform a flow 211 to sort a plurality of loan requests.

In an embodiment, the match sequence adjustment device 140 may set a higher match priority for the borrowing request generated earlier. For example, the match order adjustment device 140 may sequentially arrange the plurality of loan requests in the loan request queue 144 in order according to the respective generation time.

As can be seen from the foregoing description, the order in which the loan requests are placed in the loan request queue 142 represents the match priority of the loan request. Similarly, the order in which the loan requests are placed in the loan request queue 144 represents the matchmaking priority of the loan request.

In operation, the mediation device 150 can access the loan request queue 142 of the mediation sequence adjustment device 140 and the data in the loan request queue 144, and proceeds to flow 213.

In the process 213, the matching device 150 may sequentially select a specific loan request (hereinafter referred to as a target loan request) from the plurality of sorted borrowing requests, and adjust the order set by the device 140 according to the order of the mediation order, from the sorting One or more loan requests in the plurality of loan requests that are compliant with the underlying loan request conditions.

In an embodiment, when the matching device 150 determines that the following two matching conditions are met between the candidate loan request and the target loan request, the matching device 150 sets the candidate loan request as the target loan request. Match the loan request.

The first matching condition is the lending rate represented by the lending rate parameter of the candidate lending request, which is less than or equal to the borrowing interest rate represented by the borrowing interest rate parameter of the target borrowing request. The second match condition is the premium amount of the life insurance that is converted according to the proportion of the allowance ratio of the candidate loan request, and is less than or equal to the premium limit represented by the premium parameter of the target loan request.

For convenience of explanation, it is assumed that the loan request queue 142 stores a plurality of loan requests A to P sorted by the mediation sequence adjusting device 140, and the borrowing request queue 144 stores the mediation sequence adjusting device 140. The multiple borrowing requests A~Q after sorting are shown in Figure 3.

In the process 213, the mediation device 150 may first select the loan request A having the highest match priority in the loan request queue 144 as the target loan request, and search for the available target from the plurality of sorted loan requests A~P. One or more loan requests for which the loan request A condition matches.

First, the matching device 150 compares the target loan request A with the loan request A having the highest matching priority in the loan request queue 142. If the loan request A meets the match condition of the target loan request A, the matching device 150 can set the loan request A as the matching loan request of the loan request A. In this case, the mediation device 150 can perform flow 217.

As shown in FIG. 4, if the amount of the loan corresponding to the loan request A is not enough to satisfy the demand of the target loan request A, the matching device 150 may continue to match the target loan request A with the next loan request B. Similarly, if the lending request B also satisfies the matching condition of the underlying loan request A, the matching device 150 can also set the lending request B as the matching lending request of the borrowing request A. In this case, the mediation device 150 can perform flow 217.

As shown in FIG. 5, after the capital requirement of the loan request A is completed, the mediation device 150 selects the next loan request B as the target loan request, and searches for the remaining plurality of loan requests C~P. One or more lending requirements for the target loan request B conditions begging.

If the remaining lending requests C~P in the lending request queue 142 cannot satisfy the matching condition of the borrowing request B, the matching device 150 determines that the borrowing request B fails. In this case, the mediation device 150 can proceed to flow 215.

As shown in FIG. 6, the matching device 150 then selects the next loan request C as the target loan request, and searches for one or more loans that can be matched with the target loan request C condition from the remaining plurality of loan requests C~P. request.

If the lending request C in the lending request queue 142 just satisfies the match condition of the loan request C, the mediation device 150 sets the lending request C as the matching lending request of the borrowing request C. In this case, the mediation device 150 can perform flow 217.

As shown in FIG. 7, the matching device 150 then selects the next loan request D as the target loan request, and searches for one or more loans that can be matched with the target loan request D condition from the remaining plurality of loan requests D~P. request.

As shown in the flowchart of FIG. 2, the mediation device 150 repeats the operation of the process 213 according to the foregoing matching mode, until the remaining loan requests in the loan request queue 142 are successfully matched, and the loan request is queued. The remaining loan requests in 142 are all failed by the match, the remaining loan requests in the loan request queue 144 are successfully matched, or the remaining loan requests in the loan request queue 144 are failed.

In another embodiment, the matching device 150 will only satisfy the foregoing two matching conditions and a third matching condition between the candidate loan request and the target borrowing request after the matching device 150 compares. The candidate loan request is set to match the loan request of the underlying loan request. The third matching condition in this embodiment means that the credit rating of the loan object represented by the credit rating parameter of the candidate loan request is not lower than the credit rating of the borrower user to which the target loan request belongs.

In another embodiment, the mediation device 150 will only satisfy the foregoing two matching conditions and a fourth matching condition between the candidate loan request and the target loan request after the matching device 150 compares. The candidate loan request is set to match the loan request of the underlying loan request. The fourth matching condition in this embodiment refers to the number of loan periods represented by the loan period parameter of the candidate loan request, which is greater than or equal to the number of borrowing periods represented by the borrowing period parameter of the target loan request.

In another embodiment, the mediation device 150 is satisfied only when the foregoing first, second, third, and fourth matching conditions are satisfied between the candidate loan request and the target loan request after the matching device 150 compares. The candidate loan request is set to the matching loan request of the underlying loan request.

In practice, the matching device 150 may further divide the loan request and the loan request into a plurality of comparison groups according to the credit rating of the borrower user, so that the borrowing corresponding to the loan request in each comparison group The credit rating of the party user can be consistent with the credit rating parameter set by the lender user corresponding to the loan request, and then the operation of the foregoing process 213 is performed. Such an approach can improve the comparison efficiency when the mediation device 150 matches the loan request with the loan request.

In the process 215, the mediation device 150 may generate a mediation failure notification and transmit the borrower device to the borrower user corresponding to the loan request. In this case, the borrower user may consider modifying the terms of the loan to enhance the chances of success.

On the other hand, if the matching device 150 finds that a certain loan request has not been successfully matched for a certain period of time, the matching device 150 may also generate a match failure notification and transmit it to the The lender user corresponding to the specific lending request. In this case, the lender user may consider modifying their lending conditions to enhance the chances of success.

In the process 217, the matching device 150 instructs the golden stream processing device 110 to process the information required for the fund transfer between the borrower account corresponding to the target loan request and the investor account corresponding to the matching loan request.

It can be seen from the foregoing description that the multi-factor lending condition matching system 100 particularly incorporates the credit default insurance mechanism into the operation process of the lending and lending, thereby effectively reducing the debt default risk that the lender needs to bear. To some extent, the stringency requirements of the multi-factor lending conditional matching system 100 for credit reporting operations can also be reduced.

It can be found from the operation description of the foregoing process 213 that the mediation device 150 compares the loan request with the lending request having the highest matching priority at the time, and has the mediation comparison. The highest median lending request represents the lowest rate of return for all lending requests on behalf of the lending request, which is the lending request that minimizes the total borrowing costs that the borrower must pay at the time. Therefore, if the loan request can be successfully matched, the lending condition corresponding to the matching lending request of the borrowing request must be the most favorable lending condition for the borrowing request at that time. In other words, in Figure 2, a plurality of loan requests are sorted according to the sorting scores, and then the borrowing request is sequentially matched with the borrowing request, thereby ensuring that the borrowed user who is successfully matched by the media can obtain the multi-factor lending condition medium at that time. The lowest cost borrowing condition in system 100.

In addition, since the multi-factor lending condition matching system 100 allows the users of both the borrowing and the lending to flexibly set a plurality of loan conditions such as the interest rate, the protection ratio, the insurance premium limit, or the number of periods, the multi-factor lending condition matching system 100 can create more The mediation space enhances the possibility of success, and thereby meets the diverse needs of users of both lending and lending.

Moreover, since the multi-factor lending condition matching system 100 can enhance the flexibility of the borrowing and lending users to increase the borrowing conditions, the attraction of the borrowing and the lending can be increased, so that the effect of the crowd can be greatly improved, and the market mechanism can be multi-factor lending. Conditional matching system 100 The fuller play is achieved, and the multi-factor lending conditional matching system 100 generates a multiplicative matchmaking effect in the forward loop, thereby providing a more favorable matchmaking result for the borrower user.

Certain terms are used throughout the description and claims to refer to particular elements, and those skilled in the art may refer to the same elements. This specification and the scope of the patent application do not use the difference in the name as the means for distinguishing the elements, but the difference in function of the elements as the basis for the distinction. The term "including" as used in the specification and the scope of the patent application is an open term and should be interpreted as "including but not limited to". In addition, the term "coupled" is used herein to include any direct and indirect means of attachment. Therefore, if the first element is described as being coupled to the second element, the first element may be directly connected to the second element by electrical connection or by wireless transmission, optical transmission, or the like, or by other elements or connections. The means is indirectly electrically or signally connected to the second component.

The description of "and/or" used in the specification includes any one of the listed items or any combination of items. In addition, the terms of any singular are intended to include the meaning of the plural, unless otherwise specified in the specification.

The above are only the preferred embodiments of the present invention, and equivalent changes and modifications made to the claims of the present invention are intended to be within the scope of the present invention.

100‧‧‧Lending condition matching system

101a, 101b, 101n‧‧‧Investor device

103a, 103b, 103m‧‧‧ Borrower devices

105‧‧‧Bank server

107‧‧‧ Third-party payment agency server

110‧‧‧Gold stream processing unit

120‧‧‧Withdrawal parameter processing device

130‧‧‧ Borrowing parameter processing device

140‧‧‧Media sequence adjustment device

142‧‧‧ Request for loan request

144‧‧‧ loan request queue

150‧‧‧Medium combination device

Claims (9)

A multi-factor lending condition matching system (100), comprising: a gold stream processing device (110) for processing data required for transferring funds between different user accounts; a lending parameter processing device (120), Recording the loan parameter data sent by the plurality of investor devices (101a, 101b, 101n) to generate a corresponding plurality of loan requests, wherein each loan request includes a lending rate parameter and a protector ratio parameter; The borrowing parameter processing device (130) is configured to record the borrowing parameter data sent by the plurality of borrower devices (103a, 103b, 103m) to generate a corresponding plurality of borrowing requests, wherein each borrowing request includes a borrowing interest rate a parameter and a premium parameter; a mediation sequence adjustment device (140) for sorting the plurality of loan requests, and for calculating a respective lending rate parameter and a protection ratio parameter according to the plurality of loan requests, respectively calculating a plurality of sorting scores corresponding to the plurality of loan requests, and sorting the plurality of loan requests according to the plurality of sorting scores, wherein the match order adjusting device (140) is for each loan request The set sorting score is a comprehensive evaluation result after taking into consideration the loan interest rate parameter and the protection ratio parameter corresponding to each loan request; and a matching device (150) for adjusting according to the matching order And determining, by the device (140), one or more loan requests corresponding to one of the plurality of loan requests from the plurality of loan requests; wherein, if the mediation device (150) A matching loan request corresponding to the target loan request condition is found in the plurality of loan requests, and the matching device (150) instructs the golden stream processing device (110) to process a borrower account corresponding to the target borrowing request and The information required for the fund transfer between the investor accounts corresponding to the matching loan request; wherein each loan request includes a lending amount parameter and a lending period in addition to the lending rate parameter and the cost ratio parameter The number parameter, and the match sequence adjustment device (140) is further configured to calculate a sort score corresponding to each loan request according to the following inequality: Where d represents a debt default probability; R represents a proportional value corresponding to the ratio of the protection ratio, the size is between 0% and 100%; n represents the number of a loan period corresponding to the parameter of the loan period; Y ₀ represents the initial residual principal of the first period corresponding to the loan amount parameter; Y _t represents the remaining principal of the t period corresponding to the loan amount parameter; r _f represents a risk-free rate; β represents a discount rate; and PMT represents Each period of the borrower shall be repaid principal and interest, which may be expressed as PMT=r(1+r) ⁿ /[(1+r) ⁿ -1], where r represents a risk interest rate; wherein the mediation sequence adjustment device (140) Calculate the lower limit of the principal and interest PMT for each period that satisfies the above inequality, and convert the lower limit of the risk interest rate r from the lower limit of the PMT of each period of the principal and interest, and represent the loan interest rate parameter. a lending rate minus the lower limit of the risk rate r to calculate the ranking score, and the plurality of lending requests are sequentially arranged in a lending request queue (142) according to the sorting score from small to large. in. The multi-factor lending condition matching system (100) according to claim 1, wherein the cost ratio parameter of each loan request is used to represent a surplus corresponding to the loan request when a debt default situation occurs The principal can obtain a proportional value of a corresponding protection insurance mechanism claim, and the insurance premium parameter for each loan request is used to represent a premium set for a protected insurance mechanism corresponding to the loan request. Upper limit. The multi-factor lending condition matching system (100) of claim 2, wherein, after the matching device (150) compares, determining a candidate lending request of the plurality of lending requests and the target lending request When the following conditions are met, the matching device (150) sets the candidate loan request as the matching loan request: a lending rate represented by a lending rate parameter of the candidate lending request is less than or equal to one of the target borrowing requests A loan interest rate represented by the loan interest rate parameter; and a premium amount converted according to the ratio of the allowance ratio of the candidate loan request, which is less than or equal to a premium limit represented by a premium parameter of the target loan request. The multi-factor lending condition matching system (100) according to claim 1, wherein the lending parameter data comprises: a lending amount; a lending rate; a lending period; a pledge ratio; and a borrower credit rating . The multi-factor lending condition matching system (100) according to claim 1, wherein the borrowing reference The data includes: a loan amount; a loan interest rate; a loan period; and a premium limit. A multi-factor lending condition matching system (100), comprising: a gold stream processing device (110) for processing data required for transferring funds between different user accounts; a lending parameter processing device (120), Recording the loan parameter data sent by the plurality of investor devices (101a, 101b, 101n) to generate a corresponding plurality of loan requests, wherein each loan request includes a lending rate parameter and a protector ratio parameter; The borrowing parameter processing device (130) is configured to record the borrowing parameter data sent by the plurality of borrower devices (103a, 103b, 103m) to generate a corresponding plurality of borrowing requests, wherein each borrowing request includes a borrowing interest rate a parameter and a premium parameter; a mediation sequence adjustment device (140) for sorting the plurality of loan requests, and for calculating a respective lending rate parameter and a protection ratio parameter according to the plurality of loan requests, respectively calculating a plurality of sorting scores corresponding to the plurality of loan requests, and sorting the plurality of loan requests according to the plurality of sorting scores, wherein the match order adjusting device (140) is for each loan request The set sorting score is a comprehensive evaluation result after taking into consideration the loan interest rate parameter and the protection ratio parameter corresponding to each loan request; and a matching device (150) for adjusting according to the matching order And determining, by the device (140), one or more loan requests corresponding to one of the plurality of loan requests from the plurality of loan requests; wherein, if the mediation device (150) is A matching loan request corresponding to the target loan request condition is found in the plurality of loan requests, and the matching device (150) instructs the golden stream processing device (110) to process a borrower account corresponding to the target borrowing request and The information required for the fund transfer between the investor accounts corresponding to the matching loan request; wherein each loan request includes a lending amount parameter and a lending period in addition to the lending rate parameter and the cost ratio parameter The number parameter, and the media sequence adjustment device (140) is configured to calculate a ranking score corresponding to each loan request according to the following inequality: Where d represents a debt default probability; R represents a proportional value corresponding to the ratio of the protection ratio, the size is between 0% and 100%; n represents the number of a loan period corresponding to the parameter of the loan period; Y ₀ represents the initial residual principal of the first period corresponding to the loan amount parameter; Y _t represents the remaining principal of the t period corresponding to the loan amount parameter; r _f represents a risk-free rate; β represents a discount rate; and PMT represents Each period of the borrower shall be repaid principal and interest, which may be expressed as PMT=r(1+r) ⁿ /[(1+r) ⁿ -1], where r represents a risk interest rate; wherein the mediation sequence adjustment device (140) Calculate the lower limit of the principal and interest PMT for each period that satisfies the above inequality, and convert the lower limit of the risk interest rate r from the lower limit of the principal and interest PMT for each period, and represent the loan interest rate parameter. The lending rate minus the lower limit of the risk rate r to calculate an excess rate of return, and converting the excess rate of each loan request into a corresponding ranking score, such that the ranking score for each loan request is The excess rate of return for a loan request is inversely proportional and will be more than The loan request is sequentially arranged in a loan request queue (142) in such a manner that the sorting score is from large to small. The multi-factor lending condition matching system (100) according to claim 6, wherein the match order adjusting means (140) converts the excess return rate of each loan request into a corresponding sort according to the following conversion formula. Score: S = (1-5 × r _p ) × 100 where S represents the ranking score and r _p represents the excess return rate. The multi-factor lending condition matching system (100) according to claim 6, wherein the mediation sequence adjusting device (140) arranges the plurality of loan requests in order according to respective generation times. Request queue (144). The multi-factor lending condition matching system (100) according to claim 6, wherein the cost ratio parameter of each loan request is used to represent a surplus corresponding to the loan request when a debt default situation occurs The principal can obtain a proportional value of a corresponding protection insurance mechanism claim, and the insurance premium parameter for each loan request is used to represent a premium set for a protected insurance mechanism corresponding to the loan request. Upper limit.