| 摘要 |
Disclosed are a repayment processing method and system, belonging to the technical field of finance. The method comprises: after receiving a notification that a second participant is partially repaying instead of a first participant within a preset repayment deadline, transferring a portion of frozen funds corresponding to a bank credit certificate to a funds management account according to a repayment amount; if a notification is received that the second participant is paying off the remainder of a repayment instead of the first participant within a preset payment request deadline, transferring the remainder of the frozen funds corresponding to the bank credit certificate to the funds management account; if the remainder of the repayment has not been received after the preset payment request deadline has passed, transferring the remainder of the frozen funds corresponding to the bank credit certificate to the funds management account. The present invention introduces the bank credit certificate to guarantee the lending transaction, increases default costs of the first participant, 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. |
