| 摘要 |
Disclosed are a repayment processing method and system, belonging to the technical field of finance. The method comprises: after a preset repayment deadline has passed and a repayment has not been received, requesting a first participant to repay a loan; after receiving a portion of the repayment by the first participant within a preset payment request deadline, unfreezing a portion of frozen funds corresponding to a bank credit certificate according to a repayment amount; after receiving a notification that a second participant is paying off the remainder of the repayment instead of the first participant, transferring the remainder of the frozen funds of the bank credit certificate to a funds management account. The present invention introduces the bank credit certificate to perform a guaranteed lending transaction, provides a flexible means for the second participant to partially repay instead of the first participant, and increases the reliability of repayment success, thereby reducing the risk to the loan funds, and enabling the lending transaction to be more secure. |
