CN101782995A - Capital pool autonomous interest rate fund transaction platform and method - Google Patents

Abstract

A capital pool independent interest rate fund transaction method is applied to a fund transaction platform, a settlement member applies for joining the fund transaction platform, a fund flow and an information flow are established between the fund transaction platform and the settlement member, a client belonging to the settlement member logs in the fund transaction platform to become the member, the member inputs a bid amount, a bid amount and a bid number are determined according to a fund balance of the fund transaction platform and the borrowing interest rate of the bid, a management server settles a bid amount and a deposit fund, the fund transaction platform settles and deals with the settlement member, and the settlement member settles and deals with the bid amount, the total bid amount, the deposit amount or the repayment amount for the client.

Description

Capital pool independent interest rate fund trading platform and method

technical field

The invention relates to an e-commerce fund transaction platform and method, in particular to a capital pool autonomous interest rate fund transaction platform and method.

Background technique

In the traditional financial deposit and loan system, unspecified people deposit money into the bank, the bank pays the deposit interest, and then the bank lends to unspecified people, charging higher loan interest and earning a spread. The way is called indirect finance. In the era of indirect finance, both depositors and borrowers are affected by information closure, and bankers have a relative advantage in information. Therefore, financial historians believe that in the era of indirect finance, banks earned money with asymmetric information.

In spite of the traditional era, direct finance in the form of private bidding is another form of deposit and borrowing to fill the thirsty needs of some private microloans. However, the action of "marking" cannot fully satisfy the borrowers' desire for funds; the group of "will" is a huge wall for borrowers and depositors, and cannot fully reflect the needs of both depositors and borrowers.

After the vigorous development of network technology, any tangible objects and services in physical form have become virtual e-commerce, and money that is close to the form of information is no exception. In the early days, some knowledgeable bankers introduced computer information systems to e-transform traditional financial services, so as to achieve the goal of convenient, rapid and reliable traditional financial services, and greatly reduce manpower and material resources.

However, forward-looking financial companies and experts are not satisfied with this. They believe that the current e-bank is a closed system between banks and customers, and it has not yet reflected the information symmetry of both parties in the network technology era. The type of transaction that direct finance should display.

For this reason, bankers all over the world are trying their best to find the answer to the question. First of all, it needs to create a distance-free contact between depositors and borrowers. Moreover, it also needs to provide consumers with the initiative of interest rates. To put it in an e-commerce term, it is a customized financial product.

In 2005, the British company ZOPA (ZOPA, www.zopa.com) created an online financial deposit and loan platform that diversifies the risks of depositors and borrowers. This method of deposit and loan, which is close to direct finance, involves too many human operations and is limited to Microfinance. In 2006, California Prosper (www.prosper.com) used the concept of community to manage the deposit and loan of funds. Another example is the invention content mentioned in the "System and method for online peer-to-peer banking" of US Patent Application Publication No. 2006/0224502A1. Basically, these are the strengthening of the business behavior of traditional financial products, not the era of Internet technology Optimized deposit and loan mechanism.

In view of this, on March 7, 2008, Ling Bao et al. published a paper titled "Constructing a Direct Financial Deposit and Lending Method Using Network Markups" revealing: 1. Direct financial deposit and loan method: using traditional markups to create Develop a set of deposit and loan mechanisms, so that depositors and borrowers can meet directly without going through an intermediary, so as to avoid artificial control of interest rate spreads; 2. Introduce the concept of overall fund balance: traditional mutual aid will be due to the rigidity of the number, amount, and time. There are a lot of restrictions on the operation. Various types of meetings and users with different conditions are gathered together, and the bidding results are judged by the sum of the funds of each round of bidding to determine the winning bidder and the winning bidder. The individual winning bid amount, as well as the bidding money and amount that should be deposited by unsuccessful bidders, not only break the restrictions of all mutual aid associations, but also enable the executors who operate this mechanism to reduce the load on the previous network bidding system; 3. Reflect the market Interest rate: Due to direct finance, both depositors and borrowers can obtain the most appropriate interest rate from each other, so the deposit and loan interest rates obtained through this mechanism should most appropriately reflect the current market interest rate situation, and because this mechanism combines all The collection of various types of bids can also eliminate the traditional chance of unreasonable bids affecting market bidding conditions, making deposit and loan interest rates more representative.

However, the existing online direct financial transaction model may not be able to create opportunities for real contact between depositors and borrowers; or there are too many human operations, which affect the efficiency of capital allocation; A large and open capital free market; or financial institutions develop different direct financial business types and information platforms, so that the common value of network direct finance cannot be formed.

Furthermore, the fragmented barriers among the financial industry cannot establish a detached, fair, just, and open direct financial capital transaction platform, so that each financial institution can conduct credit investigation, quota control, and payment on the basis of retaining its own customers. Secondly, it is impossible to expand the scope of the direct financial capital trading platform to break the closedness among various financial institutions and reduce man-made operations, so that the activities of the direct financial capital trading platform can improve operational efficiency, and it is impossible to achieve the ultimate goal of investment and savings. Optimal allocation and reduction of risks between the two means that social resources cannot be used most efficiently.

Contents of the invention

In order to solve the above problems, the purpose of the present invention is to provide a network direct financial operating system with the concept of online capital pool in banks or related financial industries, which facilitates integrated face-to-face contact between depositors and borrowers, and on the other hand utilizes network technology to quickly and reliably Features, using fair, open and just bidding methods as a means, let the interest rate fluctuate because it reflects the demand of individuals, so as to achieve the best allocation of market funds. Participating banks or related financial institutions, under the principle of not losing customers, perform tasks such as credit investigation, quota control, guarantee and payment, etc., changing the operation mode of traditional indirect finance, and achieving a reasonable operation mode of direct finance in the Internet age. Compared with the traditional indirect financial lending and wealth management methods, the present invention has the following advancement and practicability:

1. Establish an online capital pool fund transaction platform through the Internet, and use bidding as a means to link credit investigation, quota control, guarantee and payment services of existing banks or financial related institutions, so that members with different attributes such as lending or arbitrage can Across banks and financial-related institutions, participate in fund bidding portfolios, quickly and effectively create a large number of opportunities for lenders and borrowers to meet.

2. Establish a capital bidding platform across banks and financial peripheral institutions to form a capital pool. The lender can lend money without risk under the guarantee of the financial institution; the borrower also guarantees the performance of the debt under the guarantee of the bank; for the bank, on the one hand, it can reduce deposit liabilities, and on the other hand, it can maintain customer loyalty. Earn loan handling fees without spending a huge amount of money to establish a capital trading platform to give full play to the benefits of economies of scale.

3. Establish an online fund trading platform that is completely open to competition, so that the interest rate can instantly reflect the demand for market funds due to bidding; make deposits and loans become the best state of direct finance without distance and without intermediaries due to the integration.

4. Construct a capital pool of the financial system, open to the participation of various banks and financial peripheral enterprises, and use bidding as a means to guide the efficiency of saving funds to flow to productive uses (that is, investment).

The present invention provides a capital pool autonomous interest rate capital transaction method, which is applied to a capital transaction platform, the capital transaction platform includes a management server and a database, and the capital pool autonomous interest rate capital transaction method includes the following steps: first, The management server accepts the joining application of the clearing member; then, establishes a fund flow between the fund trading platform and the clearing member and establishes an information flow between the fund trading platform and a financial transaction system of the clearing member ; secondly, the management server accepts a member terminal to log in the settlement member's client to become a member; moreover, during the bidding period, the management server receives the member's input through the member terminal A bid amount, the management server calculates an average deposit rate and a loan interest rate of bidding members according to the input bid amount, and according to a fund balance of the management server and the loan rate of members who bid Then, the management server settles the total bid amount of the winning member according to the winning bid amount, and according to the average loan interest rate of the winning member and a deposit bid Gold, or the highest bid amount of members who have not won bids, or the benchmark interest rate to settle a deposit amount of members who have not won bids and a repayment amount of members who have won bids; then, the capital trading platform will use the information flow to The winning bid amount, the total winning bid amount, the deposit amount and/or the repayment amount settled by the client of the clearing member are sent to the financial transaction system of the clearing member; and, by the fund trading platform through The fund flow delivers the winning bid amount, the total bid winning amount, the deposit amount and/or the repayment amount of the client of the settlement member.

The present invention provides a fund transaction platform for autonomous interest rates of capital pools, which includes:

A management server that accepts the application for membership of a clearing member, accepts the client of the clearing member logged in through a member terminal to become a member, and receives a bid amount input by the member during the bidding period to calculate an average deposit rate and a Borrowing rate, according to the capital balance of the fund trading platform and the level of the borrowing rate to determine a winning bid amount and the number of winning bidders, settle a total amount of winning bids based on the winning bid amount, and based on the average borrowing rate and a deposit Settle a deposit amount and a repayment amount by bidding, or the highest bid amount, or a benchmark interest rate; and

A database, the management server accesses the clearing member, the member, the average deposit rate, the loan rate, the fund balance, the bid amount, the number of bidders, the total bid amount, and the deposit bid , the average loan interest rate, the deposit amount and the repayment amount, etc.,

Wherein, a capital flow is established between the capital transaction platform and the settlement member, and an information flow is established between the capital transaction platform and a financial transaction system of the settlement member; the capital transaction platform uses the information flow Send the settled bid winning amount, the winning bid total amount, the deposit amount and/or the repayment amount to the financial trading system; the capital trading platform settles the settlement member's winning bid through the capital flow amount, the total winning bid amount, the deposit amount and/or the repayment amount.

Description of drawings

Fig. 1 is the block diagram of the fund trading platform of the autonomous interest rate of the capital pool of the present invention;

Fig. 2 is the flowchart of the capital pool autonomous interest rate capital transaction method of the present invention;

Fig. 3 is the flowchart of the settlement member joining the fund trading platform of the capital pool autonomous interest rate fund trading method of the present invention; and

Fig. 4 is a flow chart of pure arbitrageurs or savers joining the fund trading platform of the capital pool autonomous interest rate fund trading method of the present invention.

Description of reference symbols

101 Fund trading platform

103 member terminal

105 member terminal

107 Financial transaction system

109 Management Server

111 database

Detailed ways

Before describing the preferred embodiments of the present invention, the characteristics of the autonomous interest rate deposit and loan of the present invention will be described first, and the characteristics will be applied to the following embodiments.

The autonomous interest rate deposit and borrowing method with direct financial characteristics is mainly constructed on the concept of fund balance balance. A management server of the financial trading platform calculates the corresponding loan interest rate according to the bidding price of each bidding member, and according to the fund balance The number of people who can win bids at each time point (i.e. the time of bid opening), the total bid amount that each winning member can get, and the amount that should be deposited by members who did not win the bid (here, members who deposit) should be determined based on the level of borrowing interest rates. The execution steps are as follows:

Step 1: Make the number of successful bidders zero, and the management server of the financial trading platform calculates the fund balance at this point in time. The calculation method of the financial trading platform for the balance of funds is the amount that should be deposited by all members who have not won bids (here, depositors) at the time point minus the total bid amount of all members who have won bids at the time point. In this step, it is only necessary to calculate the total deposit amount of all depositing members. The required deposit amount of members who have not won the bid (here, depositing members) has the following two calculation formulas from the order of interest payment:

Interest paid first: U-IX _n ................................................ ..(1)

Pay after interest: U................................................ ...(2)

in,

U is a bidding limit of members bidding;

IX _n is the member's deposit standard calculated based on the benchmark interest rate of the nth period.

In addition, the total bidding amount of the members who won the bid (members who borrowed money) has the following two calculation formulas from the order of interest payment:

Interest paid first: A _n = (UI _n )×(Nn)+U×(n-1)..........(3)

Pay after interest: $A_{\mathrm{no}}=u\×(N-\mathrm{no})+u(\mathrm{no}-1)+\underset{i=1}{\overset{\mathrm{no}-1}{\mathrm{\Σ}}}{I}_i...\left(4\right)$

in,

A _n is the total bid amount of the bid-winning member in the nth period;

U is a bidding limit;

N is an agreed total number of periods;

n is a current number of periods, and n≤N;

I _n is the winning bid amount of the winning member in the nth period;

I _i is the deposit amount of depositing members in period i, and i<n.

The first payment of interest mentioned above means that when borrowing, the principal obtained has been deducted the interest payable in the future, similar to the practice of zero-coupon bonds; the payment after interest means that the complete principal can be obtained when borrowing , and then pay interest when repaying in the future, similar to the practice of general loans or mortgages.

Step 2: The management server of the fund trading platform judges whether the fund balance X at the previous time point + the fund balance B ₀ at the current time point (that is, the fund water level) is less than or equal to zero. If the fund balance X at the previous time point plus the fund balance B ₀ at this time point is less than or equal to zero (that is, B ₀ +X ≤ 0), the capital trading platform judges that no one can win the bid at this time point, that is, all bids at this time point All members must make a deposit; on the contrary, if the fund trading platform judges that the fund balance is greater than zero, then enter step three.

When constructing an autonomous interest rate deposit and loan mechanism close to direct finance, the fund balance in the fund trading platform should be equal to zero. However, the probability that the fund balance in the fund trading platform is exactly equal to zero is very small, so the fund balance must be greater than or equal to or less than or equal to zero. If the fund balance in the fund trading platform is greater than zero, for the financial institution operating this method, the type of the fund balance becomes the borrowing amount of the financial institution, which will lead to the generation of the financial institution's expenditure cost; The fund balance is less than zero. For financial institutions operating this method, the type of the fund balance becomes the loan amount of the financial institution, and a slight handling fee can be earned, thus changing the way traditional financial institutions earn interest spreads on deposits. Indirect financial operation mode. Here, the autonomous interest rate deposit and borrow method assumes that the fund balance in the fund trading platform needs to be less than or equal to zero as a bidding transaction operation.

Step 3: Sorting the loan interest rates. If the fund balance calculated by the management server of the fund trading platform in step 2 is greater than zero, the fund trading platform will calculate the corresponding loan interest rate for the bid amount of the member who has placed a bid, and sort them. When the management server of the capital trading platform calculates the borrowing rate of any bidding member's bidding bid in the nth period (n falls on the current calculation time point), for example, using the concept of the internal rate of return (IRR) in finance, first Use the following calculation formula (5) to calculate the average deposit interest rate r of the previous periods of the bidding members, and then use the following calculation formula (6) to calculate the loan interest rate R if the bidding is successful at the time point. The calculation formula is as follows:

$\underset{\mathrm{<span\; class="notranslate">\; i</span>}<span\; class="notranslate">\; =</span>\mathrm{<span\; class="notranslate">\; 1</span>}}{\overset{\mathrm{<span\; class="notranslate">\; no</span>}<span\; class="notranslate">\; -</span>\mathrm{<span\; class="notranslate">\; 1</span>}}{\mathrm{<span\; class="notranslate">\; \&Sigma;</span>}}}<span\; class="notranslate">\; (</span>\mathrm{<span\; class="notranslate">\; u</span>}<span\; class="notranslate">\; -</span>{\mathrm{<span\; class="notranslate">\; I</span>}}_{\mathrm{<span\; class="notranslate">\; i</span>}}<span\; class="notranslate">\; )</span><span\; class="notranslate">\; \&times;</span>{<span\; class="notranslate">\; (</span>\mathrm{<span\; class="notranslate">\; 1</span>}<span\; class="notranslate">\; +</span>\mathrm{<span\; class="notranslate">\; r</span>}<span\; class="notranslate">\; )</span>}^{\mathrm{<span\; class="notranslate">\; N</span>}<span\; class="notranslate">\; -</span>\mathrm{<span\; class="notranslate">\; i</span>}}<span\; class="notranslate">\; =</span>\mathrm{<span\; class="notranslate">\; u</span>}<span\; class="notranslate">\; \&times;</span><span\; class="notranslate">\; (</span>\mathrm{<span\; class="notranslate">\; no</span>}<span\; class="notranslate">\; -</span>\mathrm{<span\; class="notranslate">\; 1</span>}<span\; class="notranslate">\; )</span><span\; class="notranslate">\; .</span><span\; class="notranslate">\; .</span><span\; class="notranslate">\; .</span><span\; class="notranslate">\; (</span>\mathrm{<span\; class="notranslate">\; 5</span>}<span\; class="notranslate">\; )</span>$

$\underset{\mathrm{<span\; class="notranslate">\; i</span>}<span\; class="notranslate">\; =</span>\mathrm{<span\; class="notranslate">\; 1</span>}}{\overset{\mathrm{<span\; class="notranslate">\; no</span>}<span\; class="notranslate">\; -</span>\mathrm{<span\; class="notranslate">\; 1</span>}}{\mathrm{<span\; class="notranslate">\; \&Sigma;</span>}}}<span\; class="notranslate">\; (</span>\mathrm{<span\; class="notranslate">\; u</span>}<span\; class="notranslate">\; -</span>{\mathrm{<span\; class="notranslate">\; I</span>}}_{\mathrm{<span\; class="notranslate">\; i</span>}}<span\; class="notranslate">\; )</span><span\; class="notranslate">\; \&times;</span>{<span\; class="notranslate">\; (</span>\mathrm{<span\; class="notranslate">\; 1</span>}<span\; class="notranslate">\; +</span>\mathrm{<span\; class="notranslate">\; r</span>}<span\; class="notranslate">\; )</span>}^{\mathrm{<span\; class="notranslate">\; no</span>}<span\; class="notranslate">\; -</span>\mathrm{<span\; class="notranslate">\; i</span>}}<span\; class="notranslate">\; +</span>\underset{\mathrm{<span\; class="notranslate">\; j</span>}<span\; class="notranslate">\; =</span>\mathrm{<span\; class="notranslate">\; 1</span>}}{\overset{\mathrm{<span\; class="notranslate">\; N</span>}<span\; class="notranslate">\; -</span>\mathrm{<span\; class="notranslate">\; no</span>}}{\mathrm{<span\; class="notranslate">\; \&Sigma;</span>}}}\mathrm{<span\; class="notranslate">\; u</span>}<span\; class="notranslate">\; \&times;</span>{<span\; class="notranslate">\; (</span>\frac{\mathrm{<span\; class="notranslate">\; 1</span>}}{\mathrm{<span\; class="notranslate">\; 1</span>}<span\; class="notranslate">\; +</span>\mathrm{<span\; class="notranslate">\; R</span>}}<span\; class="notranslate">\; )</span>}^{\mathrm{<span\; class="notranslate">\; j</span>}}<span\; class="notranslate">\; =</span>{\mathrm{<span\; class="notranslate">\; A</span>}}_{\mathrm{<span\; class="notranslate">\; no</span>}}<span\; class="notranslate">\; .</span><span\; class="notranslate">\; .</span><span\; class="notranslate">\; .</span><span\; class="notranslate">\; (</span>\mathrm{<span\; class="notranslate">\; 6</span>}<span\; class="notranslate">\; )</span>$

in,

U is a bidding limit;

N is an agreed total number of periods;

n is a current number of periods, and n≤N;

I _i is the deposit amount of depositing members in period i, and i<n;

r is the average deposit interest rate of depositing members in period 1~i;

R is the borrowing rate;

A _n is the total bid amount if the member who wins the bid wins the bid in the nth period, the calculation method refers to the calculation formula (3) and (4).

After the management server of the fund trading platform calculates the borrowing rates of all bidding members at this time point, it immediately sorts the borrowing rates of all bidding members from high to low.

Step 4: The management server of the fund trading platform finds out the minimum number of successful bidders whose fund balance is less than or equal to zero. This step uses the concept of trial and error, for example, to obtain the situation that when the number of successful bidders is n, the fund balance of the management server of the fund trading platform at this time point plus the fund balance at the previous time point is less than or equal to zero, that is, find Minimum number of members to place bids:

Min【n| _Bn +X＜＝0】...................................(7)

in,

B _n is the fund balance when the number of successful bidders at this time point is n;

X is the fund balance at the previous point in time.

Step 5: Settlement of the winning member. For the member who has won the bid (the member who has borrowed money), the management server of the fund trading platform calculates the total bid amount of the member who has won the bid when there is a bid member who has won the bid at the time point. The fund trading platform has the following two calculation formulas according to the sequence of interest payments:

Interest paid first: A _n = (UI _n )×(Nn)+U×(n-1)..........(8)

Pay after interest: $A_{\mathrm{no}}=u\&times;(N-\mathrm{no})+u\&times;(\mathrm{no}-1)+\underset{i=1}{\overset{\mathrm{no}-1}{\mathrm{\&Sigma;}}}{I}_i...\left(9\right)$

in,

A _n is the total bid amount of the bid-winning member in the nth period;

U is a bidding limit;

N is an agreed total number of periods;

n is a current number of periods, and n≤N;

I _n is the winning bid amount of the winning member in the nth period;

I _i is the deposit amount of depositing members in period i, and i<n.

The above-mentioned members who won the bid before are required to make repayments in the later period, and the calculation method of the repayment amount is as follows:

Interest paid first: U................................................ ...(10)

Pay after interest: U+I _n ................................................ ...(11)

in,

U is a bidding limit;

_In is the amount that the bidding member bids in the nth period.

Step 6: Settlement of members who did not win the bid. When the management server of the capital trading platform judges that the number of bidders available at this time point is n (n=1...I), the management server of the capital trading platform calculates the average loan interest rate when the number of bidders available at this time point is n , and then calculate the deposit amount IA _n of the non-winning member (that is, the depositing member). The management server of the capital trading platform calculates the deposit amount IA _n of the member who deposits. The deposit is paid in accordance with the interest. There are two calculation methods:

Interest paid first: (U-IA _n )×(1+R _a ) ^Nn ＝U.......................... (12)

Pay after interest: U×(1+R _a ) ^Nn ＝U+IA _n ...................... (13)

in,

U is a bidding limit;

N is an agreed total number of periods;

n is a current number of periods, and n≤N;

IA _n is the deposit amount of the member whose deposit is calculated based on the average loan interest rate of the nth period;

R _a is an average borrowing rate.

If there is a bidding member winning the bid at this point in time, the management server of the fund trading platform calculates the deposit amount IA _n based on the average loan interest rate. The amount of deposit required by the member who has not won the bid is based on the sequence of interest payments, and the following two calculation formulas are also used:

Interest Paid First: U-IA _n ................................................ .........(14)

Pay after interest: U................................................ ..........(15)

in,

U is a bidding limit;

IA _n is the deposit amount of the depositing member calculated based on the average loan interest rate of the nth period.

If the member who did not bid wins the bid at this point in time, but the member who bid has placed a bid (deposit is required because he did not win the bid), the management server of the capital trading platform calculates the deposit amount of the member who bids from the order of interest payment , there are the following two calculation formulas:

Interest paid first: U-IH _n ................................................ ..........(16)

Pay after interest: U................................................ ..........(17)

in,

U is a bidding limit;

IH _n is the highest bid amount of the bidding member who failed to win the bid in the nth period.

In terms of members who did not win the bid, if the member who did not bid wins the bid in the nth period, and the member who bid did not place a bid, the management server of the fund trading platform calculates the deposit amount of the member who bids from the order of interest payment , there are the following two calculation formulas:

Interest paid first: U-IX _n ................................................ ..........(18)

Pay after interest: U................................................ ..........(19)

in,

U is a bidding limit;

IX _n is the member's deposit amount calculated based on the benchmark interest rate of the nth period.

Fig. 1 is a block diagram of the fund transaction platform of the autonomous interest rate of the capital pool of the present invention. In FIG. 1 , member terminals 103 and 105 are connected to a capital transaction platform 101 through the Internet, wired communication devices, wireless communication devices, or local area networks. The terminal 103 or pure arbitrageur or saver logs in to the capital transaction platform 101 through the membership application of the member terminal 105 to become a member of the capital transaction platform 101's bidding or saving, and then operates various items of the capital transaction platform 101 Function.

Settlement members are banks, credit card institutions, credit cooperatives, or corporate bodies with guarantee capabilities that have the functions of credit review, credit rating, or determination of credit lines, or that can provide member guarantee lines.

The capital transaction platform 101 establishes an information flow with a financial transaction system 107 of the settlement member through the Internet, wired communication device, wireless communication device, or local area network, and a delivery account of the capital transaction platform 101 exchanges the delivery amount with the settlement member. Remittance to establish this flow of funds for both.

The capital transaction platform 101 includes a management server 109 and a database 111 . When a settlement member applies to join the fund transaction platform 101, the management server 109 checks the settlement member applied for according to the verification data provided by the settlement member, and the fund transaction platform 101 checks the settlement member that has passed the check by the management server 109 Sign the cooperation contract online. The management server 109 will store the verified settlement member data, verification results, signed contracts, etc. in the database 111 .

The capital transaction platform 101 and the settlement member's financial transaction system 107 exchange information through the information flow, and the management server 109 compares and confirms the account number and password input by the member holding an electronic bidding card, so as to pass through the management server 109's security control audit to complete the login. Among them, the settlement member issues an electronic bidding card to its client, and the customer holding the electronic bidding card logs in the account number and password of the electronic bidding card to the fund trading platform 101 through the member terminal 103 to become a member of the fund trading platform 101 . The management server 109 stores the data of the member holding the electronic bidding card in the database 111 , and stores the corresponding electronic bidding card account number and password of the member in the database 111 at the same time.

The management server 109 accepts applications from pure arbitrageurs or savers who do not need to apply for a credit line through the member terminal 105 , and the pure arbitrageurs or savers provide data (such as personal basic data and credit data) to the management server 109 . The management server 109 checks the applied data of the pure arbitrageur or saver, and after passing the verification, the management server 109 will issue an electronic bidding card to the pure arbitrageur or saver. The management server 109 receives the account number and password of the electronic bidding card entered by the pure arbitrageur or saver through the member terminal 105 to log in to the fund transaction platform 101, so that the pure arbitrageur or saver becomes a member of the fund transaction platform 101 member. The management server 109 stores the data of the pure arbitrageur or saver holding the electronic bidding card in the database 111 , and simultaneously stores the account number and password of the electronic bidding card corresponding to the pure arbitrageur or saver in the database 111 .

In each session of a bidding period in a bidding transaction combination selected by a member, members with bidding qualifications (that is, unsuccessful bidders) input a bidding amount to the capital trading platform 101 through member terminals 103 and 105, and manage the server The server 109 calculates an average deposit interest rate and a loan interest rate according to the description of the third step of the above-mentioned autonomous interest rate deposit and loan method according to the bidding amount of all members. In the above-mentioned steps one to four of the above-mentioned autonomous interest rate deposit and loan method, the management server 109 A winning bid amount and number of winning bidders are determined according to the capital balance of the capital trading platform 101 and the borrowing rates of all bidding members. In steps 5 and 6 of the above-mentioned autonomous interest rate deposit and loan method, the management server 109 settles the total bid amount of the winning member according to the bid amount, and based on the average loan interest rate and a deposit bid, or the highest bid Amount, or the benchmark interest rate to settle the deposit amount of the member who has not won the bid and the repayment amount of the member who has won the bid. The management server 109 stores the average deposit rate, loan rate, fund balance, bid amount, number of bidders, total bid amount, deposit bid, average loan rate, deposit amount, and repayment amount in the database 111 .

The fund trading platform 101 transmits the settled bid amount, total winning bid amount, deposit amount and/or repayment amount to the financial transaction system 107 of the settlement member through the information flow, and the fund transaction platform 101 delivers the settlement member through the fund flow The winning bid amount, total winning bid amount, deposit amount and/or repayment amount. The management server 109 stores data such as settlement and delivery between the fund trading platform 101 and settlement members in the database 111 .

Fig. 2 is a flow chart of the capital pool autonomous interest rate fund transaction method of the present invention. The process of FIG. 2 is described while referring to the elements of FIG. 1 . First, the settlement member or pure arbitrageur or saver applies to join the fund trading platform 101 (step S201), that is, the management server 109 accepts the application for joining the settlement member or pure arbitrageur or saver, and the settlement member provides, for example, company assets Such data are available on the capital transaction platform 101 for verification, while pure arbitrageurs or savers provide, for example, personal basic data and credit data on the capital transaction platform 101 for verification.

Establish a capital flow between the capital transaction platform 101 and the settlement member, and establish an information flow between the capital transaction platform 101 and the financial transaction system 107 of the settlement member (step S203). The client of the settlement member will log in to the capital transaction platform 101 to become a member through the member terminal 103, that is, the management server 109 accepts the login of the client of the settlement member through the member terminal 103 to become a member (step S205) .

Fig. 3 is a flow chart of the settlement member joining the fund trading platform of the capital pool autonomous interest rate fund trading method of the present invention. When a clearing member applies to join the gold trading platform 101, the management server 109 of the fund trading platform 101 checks the applied clearing member according to the data provided by the clearing member (step S301).

Next, the fund transaction platform 101 executes online signing of cooperation contracts for settlement members who have passed the verification (step S303). The management server 109 stores the verified settlement member data, verification results, signed contracts, etc. in the database 111 .

When a client of a settlement member wants to apply for an autonomous interest rate fund bidding to the fund trading platform 101, the settlement member issues an electronic bidding card to the client (step S305). The electronic bidding card has an exclusive account number and password. The management server 109 stores the account number and password of the electronic bidding card of the customer in the database 111 .

Then, the management server 109 receives the account number and password of the electronic bidding card registered by the client to the capital transaction platform 101 through the member terminal 103, so that the client becomes a member of the capital transaction platform 101 (step S307).

Among them, the capital transaction platform 101 and the settlement member's financial transaction system 107 exchange information through information flow, and the management server 109 compares and confirms the account number and password entered by the member holding the electronic bidding card to pass the fund The security control audit of the management server 109 of the trading platform 101 completes the login.

Fig. 4 is a flow chart of pure arbitrageurs or savers joining the fund trading platform of the capital pool autonomous interest rate fund trading method of the present invention. Pure arbitrageurs or savers can earn interest through the autonomous interest rate fund bidding method of the fund trading platform 101, so the management server 109 accepts pure arbitrageurs or savers who do not need to apply for a credit line through the membership terminal 105 Apply to join the capital transaction platform 101 (step S401).

Next, the management server 109 checks the data (such as personal basic data) of the pure arbitrageur or saver applying (step S403). After the pure arbitrageur or saver passes the review of the management server 109, the management server 109 issues an electronic bidding card to the pure arbitrageur or saver (step S405). The management server 109 stores the account numbers and passwords of the checked pure arbitrageurs or savers and their electronic bidding cards in the database 111 .

Then, the account number and password of the electronic bidding card input by the pure arbitrageur or saver through the member terminal 105 are received by the management server 109 to log in to the capital transaction platform 101, so that the pure arbitrageur or saver becomes a member (step S407).

Referring again to FIG. 2, the management server 109 receives a bidding transaction combination selected by the member from the member terminal 103, 105 to the capital trading platform 101, the bidding transaction combination includes a bidding price, a bidding period and a bidding period (step S207). The management server 109 stores the data of the bidding transaction combination selected by the member in the database 111 .

Secondly, in each session of the bidding period, the management server 109 receives a bid amount input by the member through the member terminal 103, 105, and the management server 109 calculates the bid amount according to the bid amount input by the bidding member. An average deposit interest rate and a loan interest rate of members (such as step 3 of the above-mentioned voluntary interest rate deposit and loan method), and according to a capital balance of the capital trading platform 101 and the level of the loan interest rate bid (such as the above-mentioned voluntary interest rate deposit and loan Steps 1 to 4) of the method to determine a winning bid amount and number of winning bidders (step S209). The management server 109 stores the bid-winning members, bidding amount, average deposit interest rate, loan interest rate, fund balance, winning bid amount and number of bidders in the database 111 .

Then, the management server 109 settles the total bid amount of the bid-winning member according to the bid-winning amount (such as step five of the above-mentioned autonomous interest rate deposit and loan method), and according to the average loan interest rate of the bid-winning member and a deposit bid, Or the highest bid amount of the member who has not won the bid, or the benchmark interest rate to settle a deposit amount of the member who has not won the bid and a repayment amount of the member who has won the bid (such as step six of the above-mentioned autonomous interest rate deposit and loan method) (step S211 ). The management server 109 stores data such as the total bid amount, deposit bid amount, highest bid amount, deposit amount, and repayment amount in the database 111 .

Then, the fund trading platform 101 transmits the winning bid amount, total winning bid amount, deposit amount and/or repayment amount settled by the settlement member's client (or pure arbitrageur or saver) to the settlement member through information flow Financial transaction system 107 (or member terminal 105 for pure arbitrageurs or savers). Then, the fund trading platform 101 uses the fund flow to deliver the bid amount, the total bid amount, the deposit amount and/or the repayment amount of the client (or pure arbitrageur or saver) of the settlement member (step S213) . And the clearing member settles and delivers the winning bid amount, the total winning bid amount, the deposit amount and/or the repayment amount to its clients (step S215).

Four embodiments are provided below to illustrate the capital pool autonomous interest rate fund transaction method of the present invention, and the embodiments are described with reference to FIGS. 1 to 4 .

[Example 1]

Assuming that bank A of a settlement member applies to join the fund trading platform 101 with independent interest rates in the capital pool (step S201), the management server 109 receives data such as company assets provided by bank A for auditing to the fund trading platform 101 for After verification, Bank A can join the fund bidding transaction of the online capital pool after verification and approval.

Then, a capital flow is established between the capital transaction platform 101 and Bank A, and an information flow is established between the capital transaction platform 101 and the financial transaction system 107 of Bank A (step S203 ). Client A is a client of Bank A. Client A wants to conduct fund bidding transactions in the online capital pool. The management server 109 receives client A's login to the capital trading platform 101 through the member terminal 103 to become a member of A (step S205).

Wherein, when Bank A applies to join the gold transaction platform 101, the management server 109 of the capital transaction platform 101 checks Bank A according to the data provided by Bank A (step S301).

Next, the management server 109 conducts an online cooperation contract with the fund transaction platform 101 for the bank A that has passed the verification (step S303 ). The management server 109 stores the verified data of bank A, the verification result, the signed contract, etc. in the database 111 .

When client A of Bank A wants to apply for capital pool independent interest rate fund bidding from the fund trading platform 101, Bank A issues an electronic bidding card to client A (step S305), which has an exclusive account number and password. The management server 109 stores the account number and password of customer A's electronic bidding card in the database 111 .

Then, the management server 109 receives the account number and password of the electronic bidding card registered by client A to the fund transaction platform 101 through the member terminal 103, so that client A becomes the fund bidder of the fund transaction platform 101 with the independent interest rate of the capital pool. Member A (step S307).

Among them, the capital transaction platform 101 and the financial transaction system 107 of Bank A exchange information through information flow, and the management server 109 compares and confirms the account number and password entered by Member A who holds an electronic bidding card, so as to pass The login is completed after the security control audit of the management server 109 of the capital transaction platform 101 .

For example, after Bank A's review, Client A grants a credit limit of 100,000 yuan to Client A, and issues an electronic bidding card exclusive to Client A to Client A, wherein the management server 109 receives Bank A through the financial transaction system 107 Through the information flow, the data of A's customers and their electronic bidding cards are sent.

After customer A obtains the electronic bidding card, the management server 109 receives the card number and password of the electronic bidding card logged in by customer A through the member terminal 103, and after passing the security control review of the management server 109, the funds can be entered The trading platform 101 becomes a member A with bidding qualifications, and performs various operations in the capital trading platform 101 .

After member A logs in to the capital trading platform 101 , he can choose to query data or participate in the bidding transaction of the capital trading platform 101 . If member A chooses to participate in the bidding transaction of the capital trading platform, the capital trading platform 101 will ask member A whether to apply for a credit line. If member A does not apply for a credit line, he is a member without a credit line. In other words, the capital transaction platform 101 grants member A a credit limit of zero, which makes member A a pure arbitrageur or saver. Since no credit limit is needed for financing, the initial credit limit of member A can be 0 or very low. For a small amount, the credit limit of member A is mainly a naturally generated amount, that is, it increases with the increase of the deposit amount paid in each installment plus the amount of bid interest earned.

When member A participates in the bidding transaction of the capital trading platform 101, the deposit amount paid in each installment plus the amount of bid interest earned will be converted into member A's natural generation amount. If member A's natural generation amount is greater than or equal to When the amount required for the bidding transaction on the capital trading platform 101 is reached, member A can bid through the bidding transaction program of the capital trading platform 101 to get back the required funds.

Then, the management server 109 receives a bidding transaction combination selected by member A from the capital trading platform 101 through the member terminal 103 according to the needs of his own funds. The selected bidding transaction combination includes a bidding price, a bidding period and A bidding period (step S207). The management server 109 stores the data of the bidding transaction combination selected by member A in the database 111 .

Secondly, the management server 109 receives a bid amount input by member A through the member terminal 103, and the management server 109 calculates an average deposit rate and a loan interest rate of member A according to the bid amount input by member A (such as Step 3) of the above-mentioned voluntary interest rate deposit and loan method, and according to the level of a fund balance of the capital trading platform 101 and the borrowing rates of all bidding members (such as steps 1 to 4 of the above-mentioned voluntary interest rate deposit and loan method) to determine whether Member A or Whether other members have won the bid, and if so, the bid amount obtained when they win the bid (step S209). The management server 109 stores the bid-winning members, bidding amount, average deposit interest rate, loan interest rate, fund balance, winning bid amount and number of bidders in the database 111 .

Then, if member A wins the bid, then the management server 109 settles the total amount of a bid of member A according to the winning bid amount (as in the step five of the above-mentioned autonomous interest rate deposit and loan method); if member A fails to win the bid, Then, the management server 109 settles a deposit amount of member A according to the average borrowing rate of the member who wins the bid and a deposit bid, or the highest bid amount of member A, or the benchmark interest rate (such as the steps of the above-mentioned autonomous interest rate deposit and loan method) 6) (step S211). The management server 109 stores data such as the total winning bid amount, the deposit bid amount, the highest bid amount, and the deposit amount in the database 111 .

Then, the fund transaction platform 101 transmits the winning bid amount, total winning bid amount, deposit amount and/or repayment amount settled by client A of bank A to the financial transaction system 107 of bank A through information flow. Then, the delivery account of the fund trading platform 101 delivers the winning bid amount, the total winning bid amount, the deposit amount and/or the repayment amount of client A of bank A through the capital flow (step S213 ). Bank A settles and delivers the winning bid amount, total winning bid amount, deposit amount and/or repayment amount to the personal account of customer A (step S215).

[Example 2]

Customer B of credit card institution B wants to apply to join the fund transaction platform 101 due to the demand for funds. Credit card institution B performs steps S201, S20301 and S303, so that credit card institution B becomes a settlement member of fund transaction platform 101; customer B performs steps S205, 301 and S303. S305 and S307, making customer B a member B of the fund trading platform 101.

The management server 109 receives the account number and password of the electronic bidding card logged in by member B through the member terminal 103 to enter the capital transaction platform 101, and the management server 109 checks the registered account number and password, and confirms that the account number and password are correct And allow member B to log in to the fund trading platform 101 .

Member B can choose various bidding transaction combinations of bidding price, time limit and period pre-combined by the capital trading platform 101 according to his financial needs (step S207).

For example, member B selects a bidding transaction combination with a bidding price of 10,000 yuan, a bidding period of 2 years, and a bidding period of 24 periods. The input bid amount is 1,000 yuan. According to the bid amount input by all members who bid by the management server 109, the result of whether member B wins the bid is as follows:

1. If member B participates in the bidding transaction of the fund trading platform 101 in the sixth period, the bid amount input by member B is 1,000 yuan, and the management server 109 determines the winning amount of member B in the current period based on the bid amounts input by all bidding members. mark (step S209).

The total bid amount that can be obtained by the management server 109 is settled by the calculation formula 8 (step S211):

(RMB 10,000-RMB 1,000)×(24-6)+RMB 10,000×(6-1)＝RMB 212,000

Then, the capital transaction platform 101 transfers the total winning bid amount (the amount is 212,000 yuan) settled by customer B (member B) of the credit card institution B to the financial transaction system 107 of the credit card institution B through the information flow. Then, the delivery account of the fund trading platform 101 delivers the total bid amount of the customer B of the credit card institution B through the fund flow (step S213). Secondly, the credit card institution B conducts settlement and delivery on the personal account of customer B to obtain the total bid amount (step S215).

2. If member B participates in the bidding transaction of the fund trading platform 101 in the sixth period, the bid amount input by member B is 1,000 yuan, and the management server 109 determines the amount of bids input by all members who bid. Can win the bid (step S209), and member B chooses not to continue bidding, then member B ends the bidding transaction of the current fund trading platform 101.

For example, the calculation formula 14 is used to settle the settlement, and the management server 109 settles the deposit amount payable by the member B according to the input bid amount (step S211), that is, the member B should pay 10,000 yuan- 1,000 yuan = 9,000 yuan.

Then, the fund transaction platform 101 transmits the deposit amount (9,000 yuan) settled by customer B (ie, member B) of the credit card institution B to the financial transaction system 107 of the credit card institution B through the information flow. Then, the delivery account of the capital trading platform 101 delivers the deposit amount of the customer B of the B credit card institution through the capital flow (step S213). And the B credit card institution settles and delivers the deposit amount to the personal account of the B client (step S215).

3. If member B participates in the bidding transaction of the fund trading platform 101 in the sixth period, the bid amount input by member B is 1,000 yuan, and the management server 109 determines the amount of bids input by all members who bid. Can win the bid, and member B chooses to continue bidding, and the input bid amount is 1,200 yuan, the post management server 109 determines member B to win the bid in the current period according to the bid amount input by all members who bid (step S209).

The total bid amount that can be obtained by the management server 109 is settled by the calculation formula 8 (step S211):

(RMB 10,000-RMB 1,200)×(24-6)+RMB 10,000×(6-1)＝RMB 208,400

Then, the capital transaction platform 101 transfers the total winning bid amount (208,400 yuan) settled by customer B (member B) of the credit card institution B to the financial transaction system 107 of the credit card institution B through the information flow. Then, the delivery account of the fund trading platform 101 delivers the total bid amount of the customer B of the credit card institution B through the fund flow (step S213). Secondly, the credit card institution B conducts settlement and delivery on the personal account of customer B to obtain the total bid amount (step S215).

[Embodiment three]

The source of the credit line is that the operator of the fund trading platform 101 approves the credit line of the customers of the settlement member, and the other is the pure arbitrageur or saver (that is, the customer who is not a settlement member) participating in the fund trading platform 101. For bidding transactions, the amount of deposits paid in each period plus the amount of interest earned from bidding transactions is converted into the member's quota, which is called the naturally generated quota.

Pure arbitrageurs or savers can earn interest through the autonomous interest rate fund bidding method of the fund trading platform 101, so the management server 109 accepts pure arbitrageurs or savers who do not need to apply for a credit line through the member terminal 105 Join the capital transaction platform 101 (step S401) through the application.

Next, the management server 109 checks the data (such as personal basic data) of the pure arbitrageur or saver applying (step S403). After the pure arbitrageur or saver passes the review of the management server 109, the fund trading platform 101 issues an electronic bidding card to the pure arbitrageur or saver (step S405). The management server 109 stores the account numbers and passwords of the checked pure arbitrageurs or savers and their electronic bidding cards in the database 111 .

Then, the management server 109 receives the account number and password of the electronic bidding card entered by the pure arbitrageur or saver through the member terminal 105 to log in to the fund transaction platform 101, so that the pure arbitrageur or saver becomes a C member ( Step S407).

For example, member C is a pure arbitrageur or a saver, and therefore does not need a credit line for financing, so the initial credit line of member C can be 0 yuan, in other words, member C is a saving customer.

Member C selects from the capital transaction system 101 a bidding transaction combination with a bidding price of 10,000 yuan, a bidding period of 2 years, and 24 bidding periods (step S207 ). Because the initial credit limit of member C is 0 yuan, the credit limit of member C will increase with the increase of the deposit amount paid by member C in each installment plus the amount of bid interest for bidding transactions, mainly because member C participates in capital transactions The deposit amount paid in each installment of the bidding transaction in the system 101 plus the bid interest amount is converted into the credit limit of member C, that is, the amount naturally generated from the deposit amount paid in each installment.

When member C's accumulated credit line is 240,000 yuan, member C can enter the bidding amount to the capital transaction platform 101 through the bidding transaction program of the capital transaction platform 101 and win the bid to get back the required funds (step S209).

Next, if member C wins the bid, the management server 109 settles the total amount of the bid of member C according to the winning bid amount (as in step five of the above-mentioned autonomous interest rate deposit and loan method) (step S211). The management server 109 stores the winning bid amount of member C (ie, the input bid amount) and the total winning bid amount in the database 111 .

Then, the capital trading platform 101 transfers the total winning bid settled by member C to the member terminal 105 of member B through information flow. Then, the delivery account of the fund trading platform 101 delivers the personal account of member C whose total winning bid amount exceeds the member C's personal account through the fund flow (step S213).

[embodiment four]

The determination of the basic standard price of the fund trading platform 101 of the aforementioned independent interest rate of the capital pool is a dynamic process, which is calculated by the management server of the capital trading platform 101. The generation of the basic standard price is based on the supply of funds and the demand for funds. , the platform operator's own interest rate level, long-term and short-term interest rate changes... and other variables (such as steps 1 to 4 of the above-mentioned voluntary interest rate deposit and loan method). Because the change of gold flow is a dynamic process, the basic standard gold is determined by the huge inflow and outflow.

In addition, if the bidding amount input by the bidding member of the capital trading platform 101 does not reach the basic bid, then the bidding member is regarded as a saver (step S209), and according to step 6 of the above-mentioned autonomous interest rate deposit and borrowing method, a deduction is required The deposit amount of the input bid amount (steps S211 to S215).

For example, member D selects from the capital trading platform 101 a transaction combination with a bidding price of 10,000 yuan, a bidding period of 2 years, and a bidding period of 24 (step S207 ). If the bid amount of 1,000 yuan input by member D to the fund trading platform 101 does not reach the basic bid set by the fund trading platform 101, then member D does not win the bid in this bidding transaction (step S209), so according to the management server 109. The settled deposit amount is RMB 10,000-RMB 1,000=RMB 9,000 (step S211). Steps S213 and S215 are then executed, and the member D performs the delivery procedure of the deposit amount.

Platform operators can also set a base bid for savers. The meaning of setting the base bid is to refer to the deposit interest rate. If savers do not participate in the bidding, they need to pay the bid amount and deduct the base bid set by the platform operator. is the deposit amount.

For example, Member E selects from the capital trading platform 101 a bidding transaction combination with a bidding price of 10,000 yuan, a bidding period of 2 years, and a bidding period of 24 periods (step S207 ). The platform operator sets the bottom bid amount of the bidding as 800 yuan, and member E is a saver and does not participate in the bidding. After settlement by the management server 109 (step S211), the deposit amount that member E should pay is 10,000 yuan-800 yuan= 9,200 yuan. Steps S213 and S215 are then executed, and member E performs the delivery procedure of the deposit amount.

From the above description, it can be seen that the specific technical content of the capital pool autonomous interest rate fund trading platform and method of the present invention can obtain the following advantages:

1. Establish an online capital pool fund transaction platform through the Internet, and use bidding as a means to link credit investigation, quota control, guarantee and payment services of existing banks or financial related institutions, so that members with different attributes such as lending or arbitrage can Across banks and financial-related institutions, participate in fund bidding portfolios, quickly and effectively create a large number of opportunities for lenders and borrowers to meet.

2. Establish a capital bidding platform across banks and financial peripheral institutions to form a capital pool. The lender can lend money without risk under the guarantee of the financial institution; the borrower also guarantees the performance of the debt under the guarantee of the bank; for the bank, on the one hand, it can reduce deposit liabilities, and on the other hand, it can maintain customer loyalty. Earn loan handling fees without spending a huge amount of money to establish a capital trading platform to give full play to the benefits of economies of scale.

3. Establish an online fund trading platform that is completely open to competition, so that the interest rate can instantly reflect the demand for market funds due to bidding; make deposits and loans become the best state of direct finance without distance and without intermediaries due to the integration.

4. Construct a capital pool of the financial system, open to the participation of various banks and financial peripheral enterprises, and use bidding as a means to guide the efficiency of saving funds to flow to productive uses (that is, investment).

Although the invention has been described above with reference to preferred embodiments and illustrative drawings, it should not be viewed as limiting. Those skilled in the art may make various modifications, omissions, and changes to the forms and the contents of specific examples without departing from the scope of the present invention.

Claims (19)

1. A capital pool autonomous interest rate fund transaction method is applied to a fund transaction platform, the fund transaction platform comprises a management server and a database, the capital pool autonomous interest rate fund transaction method comprises the following steps:

receiving a joining application of a settlement member by the management server;

establishing a fund flow between the fund transaction platform and the settlement member and establishing an information flow between the fund transaction platform and a financial transaction system of the settlement member;

the management server receives the registration of the client of the settlement member by a member terminal to become a member;

during bidding, the management server receives a bid amount input by the member terminal by the member, calculates an average deposit interest rate and a borrowing interest rate of the member to be bid according to the input bid amount, and determines a bid amount and a bid amount number according to a fund balance of the management server and the borrowing interest rate of the member to be bid;

the management server settles a total bid amount of the bid-winning member according to the bid-winning amount, and settles a deposit amount of the non-bid-winning member and a repayment amount of the bid-winning member according to the average borrowing interest rate of the bid-winning member and a deposit bid amount, or the highest bid amount of the non-bid-winning member, or the reference interest rate;

transmitting the bid amount, the total bid amount, the deposit amount and/or the repayment amount settled by the client of the settlement member to the financial transaction system of the settlement member by the fund transaction platform through the information flow; and

the fund transaction platform delivers the bid amount, the total bid amount, the deposit amount and/or the repayment amount of the client of the settlement member by the fund flow.

2. The capital pool autonomous interest rate fund transaction method according to claim 1, wherein the settlement member is a bank, a credit card institution, a credit cooperative or a corporation with a guarantee capability having a credit audit, a credit rating, etc. or determining a credit line or providing a guarantee line of the member.

3. The capital pool autonomous interest rate fund transaction method according to claim 1, wherein the information flow is established by the fund transaction platform via internet, wired communication device, wireless communication device, or local area network with the financial transaction system of the settlement member, a delivery account of the fund transaction platform is remitted with the settlement member for establishing the fund flow of both, and the fund transaction platform is operated by the member terminal via internet, wired communication device, wireless communication device, or local area network.

4. The method of capital pool autonomous rate funds transaction of claim 1, further comprising the steps of:

providing a bidding transaction combination by the management server for the member to select by the member terminal, the bidding transaction combination including a bid amount, a bidding period and a bidding period number; and

and the settlement member settles and delivers the bid amount, the total bid amount, the deposit amount or the repayment amount to the client.

5. The capital pool independent interest rate fund transaction method according to claim 1, wherein the management server accesses the data of the settlement member, the average deposit interest rate, the borrowing interest rate, the fund balance, the bid amount, the total bid amount, the deposit bid amount, the average borrowing interest rate, the deposit amount and the repayment amount from the database.

6. The capital pool autonomous interest rate fund transaction method according to claim 1, wherein the step of calculating the average deposit interest rate and the borrowing interest rate of the bidding members by the management server according to the inputted bid amount and determining the bid amount and the bid amount according to the fund balance of the management server and the borrowing interest rate of the bidding members comprises the steps of:

calculating the sum of the money to be deposited of all the members who do not win the bidding at the bidding time point minus the total amount of the money to be paid of all the members who win the bidding at the time point by the management server;

the management server judges whether the fund balance of the time point of the previous bid opening and the fund balance of the time point of the current bid opening are less than or equal to zero or not;

calculating the interest rate of borrowing by the management server according to the bid amount of the bidding member and a bid amount of the selected bidding transaction combination, and sequencing the interest rates of borrowing of all the bidding members; and

determining the bid amount and the number of bid-winning persons by the management server according to the fund balance and the borrowing interest rate of the bidding member;

wherein, two calculation formulas of the total deposit amount of all deposited members and the deposit amount required by the un-bid member are calculated:

paying interest first: U-IX_n

Paying after interest: u shape

Two calculation formulas for calculating the total bid amount of the bid-winning member are as follows:

paying interest first: a. the_n＝(U-I_n)×(N-n)+U×(n-1)

Paying after interest: <math><mrow><msub><mi>A</mi><mi>n</mi></msub><mo>=</mo><mi>U</mi><mo>&times;</mo><mrow><mo>(</mo><mi>N</mi><mo>-</mo><mi>n</mi><mo>)</mo></mrow><mo>+</mo><mi>U</mi><mo>&times;</mo><mrow><mo>(</mo><mi>n</mi><mo>-</mo><mn>1</mn><mo>)</mo></mrow><mo>+</mo><munderover><mi>&Sigma;</mi><mrow><mi>i</mi><mo>=</mo><mn>1</mn></mrow><mrow><mi>n</mi><mo>-</mo><mn>1</mn></mrow></munderover><msub><mi>I</mi><mi>i</mi></msub></mrow></math>

calculating the borrowing interest rate R of the bidding current time point, and sequencing the borrowing interest rates of all the bidding members from high to low;

a calculation to find the minimum number of members who can bid:

Min【n|B_n+X≤0】

calculating the repayment amount according to the following formula:

paying interest first: u shape

Paying after interest: u + I_n

When the number of available bidding persons is n, calculating the bidding membership of non-bidding membersDeposit amount IA_nTwo calculation formulas of (1):

paying interest first: (U-IA)_n)×(1+R_a)^N-n＝U

Paying after interest: u × (1+ R)_a)^N-n＝U+IA_n

When a member having a bid receives the bid, the deposit amount IA is calculated_nTwo calculation formulas of (1):

paying interest first: U-IA_n

Paying after interest: u shape

When the member without bid gets the bid but the member with bid has subscript, two calculation formulas for calculating the deposit amount are as follows:

paying interest first: U-IH_n

Paying after interest: u shape

When the non-bidding member receives the bid and the bidding member does not have the bid, calculating two calculation formulas of the deposit amount:

paying interest first: U-IX_n

Paying after interest: u shape

Wherein,

u is an upper bidding limit;

IX_ndeposit money of a member who is a deposit calculated based on the reference interest rate of the nth term;

A_nthe total amount of the bid for the member who gets the bid in the nth period;

n is the bidding period number;

n is the current period number and is less than or equal to N;

I_nthe bid amount of the bid-winning member in the nth stage;

I_ithe amount of deposit is carried out for the member who deposits in the ith period, and i is less than n;

r is the average deposit interest rate of the deposited members in the periods 1 to i;

r is the interest rate of borrowing;

B_nthe fund balance when the number of the winning people at the time point is n;

x is the fund balance of the previous time point;

IA_nfor deposits calculated from the average interest rate borrowed during the nth periodA member's deposit amount;

R_aan average interest rate of borrowing;

IH_nthe highest bidding amount which is not bid for the bidding member in the nth period;

IX_nthe deposit amount of the depositing member calculated according to the reference interest rate of the nth stage.

7. The capital pool independent interest rate fund transaction method according to claim 1, wherein the step of receiving a member settlement joining request from the management server and registering a client of the member settlement by the management server via the member terminal to become a member comprises the steps of:

when the settlement member applies for joining the fund transaction platform, the management server of the fund transaction platform checks the applied settlement member;

the fund transaction platform performs online signing of a cooperative contract for the settlement member passing the check;

issuing an electronic bidding card of the client by the settlement member; and

the affiliated client logs in the account number and the password of the electronic bidding card to the fund transaction platform through the member terminal to become the member of the fund transaction platform.

8. The capital pool autonomous interest rate fund transaction method according to claim 7, wherein messages are exchanged between the fund transaction platform and the financial transaction system of the settlement member through the information flow, and account numbers and passwords inputted by members holding the electronic bidding card are compared and confirmed to complete login through security control and verification of the management server of the fund transaction platform.

9. The capital pool independent interest rate fund transaction method according to claim 1, wherein the step of receiving the registration of the member client of the settlement member by the member terminal from the management server to become a member comprises the steps of:

receiving the application of the member terminal by the pure arbiters or the depositors who do not need to apply for the credit line from the management server;

reviewing, by the management server, the data of the pure arbiters or depositors applied for;

after passing the audit, the management server issues an electronic bidding card to the pure arbitrage or the deposit person; and

the management server receives the account number and the password of the electronic bidding card input by the pure arbitrage or the deposit through the member terminal to log in the fund transaction platform, so that the pure arbitrage or the deposit becomes a member.

10. A funding trading platform for capital pool autonomy interest rates, comprising:

a management server, which receives an application for adding a settlement member, receives a client of the settlement member registered by a member terminal as a member, receives a bid amount input by the member during bidding to calculate an average deposit interest rate and a borrow interest rate, determines a bid amount and a number of bid-winning persons according to a fund balance of the fund transaction platform and the borrow interest rate, settles a total bid amount according to the bid amount, and settles a deposit amount and a repayment amount according to the average borrow interest rate and a deposit bid amount, or a highest bid amount, or a reference interest rate; and

a database, which is accessed by the management server to the settlement member, the average deposit interest rate, the borrowing interest rate, the fund balance, the bid amount, the number of bid payers, the total bid amount, the deposit bid amount, the average borrowing interest rate, the deposit amount and the repayment amount,

wherein, a fund flow is established between the fund transaction platform and the settlement member, and an information flow is established between the fund transaction platform and a financial transaction system of the settlement member; the fund transaction platform transmits the settled bid amount, the total bid amount, the deposit amount and/or the repayment amount to the financial transaction system through the information flow; the fund transaction platform delivers the bid amount, the total bid amount, the deposit amount and/or the repayment amount of the settlement member by the fund flow.

11. The money transaction platform as claimed in claim 10, wherein the member terminal operates the money transaction platform through internet, wired communication, wireless communication, or local area network.

12. The money transaction platform as claimed in claim 10, wherein the management server provides a bidding transaction combination for the member to select by a member terminal, the bidding transaction combination including a bid amount, a bidding period and a bidding period number.

13. The funds transaction platform of claim 10, wherein the management server of the funds transaction platform checks the applied settlement member when the applied settlement member applies to join the funds transaction platform; the fund transaction platform performs online signing of a cooperation contract on the settlement member passing the check; the settlement member issues an electronic bidding card of the client; and the settlement member issues the account number and the password of the electronic bidding card to the fund transaction platform by a member terminal so as to become the member of the fund transaction platform.

14. The funding transaction platform as claimed in claim 13, wherein the funding transaction platform exchanges messages with the financial transaction system of the settlement member through the information flow, compares and confirms an account number and a password inputted by the member holding the electronic bidding card to complete login through security control and verification of the management server of the funding transaction platform.

15. The funds transaction platform of claim 10, wherein the management server performs the steps of:

accepting the application of the member terminal by the pure arbiters or the depositors who do not need to apply for the credit line;

reviewing the data of the pure arbiters or savings who apply for;

after passing the audit, issuing an electronic bidding card to the pure arbitrage or the deposit;

and receiving the account number and the password of the electronic bidding card input by the pure arbitrage or the deposit through the member terminal to log in the fund transaction platform so as to enable the pure arbitrage or the deposit to become a member.

16. The funds transaction platform of claim 10, wherein the settlement member settles and delivers the bid amount, the total bid amount, the deposit amount or the repayment amount to the client.

17. The money transaction platform as claimed in claim 10, wherein the settlement member is a bank, a credit card institution, a credit cooperative or a corporation having a function of credit check, credit evaluation, etc. or determining a credit line or providing a guarantee line of the member.

18. The funds transaction platform of claim 10, wherein the funds transaction platform establishes the information flow with the financial transaction system of the settlement member through internet, wired communication device, wireless communication device, or local area network, and a delivery account of the funds transaction platform and the settlement member remit the delivery amount to establish the fund flow of both.

19. The money transaction platform as claimed in claim 10, wherein the management server calculates an amount of money that should be deposited by all the members who do not bid at the bidding time point minus a total bid amount of all the members who bid at the time point; the management server judges whether the fund balance of the time point of the previous bid opening and the fund balance of the time point of the current bid opening are less than or equal to zero or not; the management server calculates the interest rate of borrowing according to the bid amount of the bidding member and a bid amount of the selected bidding transaction combination, and sorts the interest rates of borrowing of all the bidding members; and the management server determines the bid amount and the number of the bid-winning people according to the borrowing interest rate of the member bidding by the fund balance;

wherein, two calculation formulas of the total deposit amount of all deposited members and the deposit amount required by the un-bid member are calculated:

paying interest first: U-IX_n

Paying after interest: u shape

Two calculation formulas for calculating the total bid amount of the bid-winning member are as follows:

paying interest first: a. the_n＝(U-I_n)×(N-n)+U×(n-1)

Paying after interest: <math><mrow><msub><mi>A</mi><mi>n</mi></msub><mo>=</mo><mi>U</mi><mo>&times;</mo><mrow><mo>(</mo><mi>N</mi><mo>-</mo><mi>n</mi><mo>)</mo></mrow><mo>+</mo><mi>U</mi><mo>&times;</mo><mrow><mo>(</mo><mi>n</mi><mo>-</mo><mn>1</mn><mo>)</mo></mrow><mo>+</mo><munderover><mi>&Sigma;</mi><mrow><mi>i</mi><mo>=</mo><mn>1</mn></mrow><mrow><mi>n</mi><mo>-</mo><mn>1</mn></mrow></munderover><msub><mi>I</mi><mi>i</mi></msub></mrow></math>

calculating the borrowing interest rate R of the bidding current time point, and sequencing the borrowing interest rates of all the bidding members from high to low;

a calculation to find the minimum number of members who can bid:

Min【n|B_n+X≤0】

calculating the repayment amount according to the following formula:

paying interest first: u shape

Paying after interest: u + I_n

When the number of available bidding persons is n, the deposit amount IA of the non-bidding member is calculated_nTwo calculation formulas of (1):

paying interest first: (U-IA)_n)×(1+R_a)^N-n＝U

Paying after interest: u × (1+ R)_a)^N-n＝U+IA_n

When a member having a bid receives the bid, the deposit amount IA is calculated_nTwo calculation formulas of (1):

paying interest first: U-IA_n

Paying after interest: u shape

When the member without bid gets the bid but the member with bid has subscript, two calculation formulas for calculating the deposit amount are as follows:

paying interest first: U-IH_n

Paying after interest: u shape

When the non-bidding member receives the bid and the bidding member does not have the bid, calculating two calculation formulas of the deposit amount:

paying interest first: U-IX_n

Paying after interest: u shape

Wherein,

u is an upper bidding limit;

IX_ndeposit money of a member who is a deposit calculated based on the reference interest rate of the nth term;

a is the total amount of the bid obtained by the bid-obtaining member in the nth period;

n is the bidding period number;

n is the current period number and is less than or equal to N;

I_nthe bid amount of the bid-winning member in the nth stage;

I_ithe amount of deposit is carried out for the member who deposits in the ith period, and i is less than n;

r is the average deposit interest rate of the deposited members in the periods 1 to i;

r is the interest rate of borrowing;

B_nthe fund balance when the number of the winning people at the time point is n;

x is the fund balance of the previous time point;

IA_na deposit amount of the member who is a deposit calculated based on the average interest rate of the nth term;

R_aan average interest rate of borrowing;

IH_nthe highest bidding amount which is not bid for the bidding member in the nth period;

IX_nthe deposit amount of the depositing member calculated according to the reference interest rate of the nth stage.

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