| 摘要 |
A lending method and a lending system, the method comprising: according to a bank credit certificate opened via an application by a second participant, a funds management server grants a loan having a corresponding limit to a first participant, and freezes funds corresponding to the bank credit certificate (S11); according to a portion of the loan repaid by the first participant within an agreed repayment deadline, the funds management server unfreezes a portion of the funds corresponding to the bank credit certificate (S12); when the remainder of the loan has still not been received after the repayment deadline has passed, the funds management server requests the first participant for payment (S13); according to a notification sent by the second participant for repaying the remainder of the loan instead of the first participant, the funds management server transfers the remainder of the frozen funds corresponding to the bank credit certificate to a funds management account within an agreed deadline (S14). The funds management server still pays deposit interest on the funds corresponding to the bank credit certificate in a freezing period. The present invention thereby reduces the risk of default, protects the interests of the creditor, and increases the funds security of the funds management mechanism. |
