首页>
外国专利>
Web-based loan auctions for individual borrowers and lenders
Web-based loan auctions for individual borrowers and lenders
展开▼
机译:针对个人借款人和贷方的基于网络的贷款拍卖
展开▼
页面导航
摘要
著录项
相似文献
摘要
A web-based loan auction system is available to individual borrowers and individual lenders and is particularly well-suited for individual borrowers that cannot meet the standards of conventional lending institutions. The system is also attractive to potential lenders that desire to achieve a higher return on their investment than currently offered by banks. The potential borrower submits a web-based loan application to the auction system. Once the loan application information is verified (a function performed by the agency offering the auction service), the application is translated into an “anonymous” version, where the personal information of the borrower himself is replaced by “placeholders” known and controlled by the auction service. The “anonymized” version of the loan application is then posted on the auction's web site for bidding by potential lenders.
展开▼