SYSTEM DIVISION OF PROCEEDS AS SECURITY OF LOANED MONEY

摘要

The present invention is a revenue-sharing system according to the loan guarantees, more particularly borrower when the loan followed by a guarantor to financial institutions, loans upon consideration lender loan payments to the guarantee, guarantee fees or receivables to insurers through the Financial Institutions in a system for dispensing a certain amount accordingly.; Conventionally, guarantee fees is a guarantee to individuals and companies in the credit guarantee institutions, and how to get to preempt a fee to the Guarantee and Finance Guarantee of bonds in construction and financial institutions, and to preempt a fee of warranty there are ways to receive, the companies and businesses, private individuals had no way to pay the guarantee.; Assurance of the were borrower upon repayment of loans to financial institutions, payment into a guarantee fee, or no way that borrowers can pay a warranty guarantee fee to the Guarantor through after the loan repayment, financial institutions, for-profit when corporations and private businesses to get loans made, there was no system of loan repayment during the period, through a financial institution in connection with sales of electrical borrower pays a financial benefit in exchange for the guarantee to the loan guarantor.; In order to improve the above problems, loans guaranteed by the revenue-sharing program lender when you apply for a loan followed by a surety from a financial institution, bearing the lender and guarantees revenue-sharing agreement in exchange for the guarantee to insurers, financial institutions to borrowers principal and interest whenever I get a constant to the guarantor the guarantee fee amount, or systems that borrowers could transfer to insurers received from borrowers account financial institutions combined case-profit loan one a certain percentage of sales, or a certain amount of money and sales a percentage and , financial institutions were the guarantors create a virtual account, while storage and transfer money to insurers virtual bank account at regular intervals from a financial institution created a system of payments, the insurers room account when there is no period of delinquency,; In addition, when loans to borrowers in financial institutions, guarantee fees for some of the loans to deposits or guarantors virtual account to deposit the loan part of the borrower, the guarantor appointed financial guarantor rooms account for any period of your on borrowers Virtual Account to be transferred and said, guarantee fees in accordance with the loan presents a tax declaration amounts to a loan repayment account and revenues and can estimate the revenues in combination with related card payment account, lender-profit business in the financial and tax can calculate the guarantee fees based on the report data to be paid to the guarantor, and when overdue by setting a loan repayment account in the amount of the card payment account and combined to put put paid from the issuer to the bond collateral from financial institutions, borrowers have loans after repayment is over, the borrower has created a structure capable of dispensing a card receivables The system calculates and mortgage guarantor of the financial institutions that facilitate the collections made by surety bond, can be used as loan guarantees, a system having the ability to obtain the appropriate insurers to invest assurance through an auction.; The effect of the present invention, the lender may lower your interest loans established insurers higher the credit rating, the guarantor has to be readily available to insurers the cost of the warranty to zoom, Moreover, borrowers can get the appropriate insurers through the auction and , insurers, and the effect that borrower can get the benefit of the guarantee a certain amount by paying through repayments every financial institution loans in return for guarantees, to promote mutually beneficial borrower and the guarantor, financial institutions, can be easily secured to the guarantor, it has the effect of balancing the risk of repayment of the loan to the guarantor.