CN103093379A

CN103093379A - Methods used for preventing and controlling credit risk

Info

Publication number: CN103093379A
Application number: CN2012101412781A
Authority: CN
Inventors: 李葛亮
Original assignee: Individual
Current assignee: Individual
Priority date: 2012-05-09
Filing date: 2012-05-09
Publication date: 2013-05-08

Abstract

The invention relates to methods used for preventing and controlling credit risk, wherein one method includes a step (a) that a risk controlling side requests a risk receiving side to provide at least one telephone number (N), and the other method includes a step (b 1) after the step (a) that the risk controlling side can change an original voice prompt or / and an original ring-back tone of the telephone number (N) provided by the risk receiving side into a new voice prompt when the risk receiving side breaks a contract, and report announce information about the defaulting conditions of the risk receiving side to any third side dialing the telephone number (N) through the new voice prompt. The methods used for preventing and controlling the credit risk can be applied in a plurality of trading activities relating to credit, and used for strengthening the ability of preventing and controlling the credit risk of the risk controlling side so as to provide any important determining and reference information for carrying out credit business between any third side and the risk receiving side, and to make up the lack of credit system in the aspect of credit risk prevention and control.

Description

Be used for taking precautions against the method for controlling credit risk

Technical field

The present invention relates to more specifically, relate to and based on telephone number, credit risk is taken precautions against the method for control for the method for taking precautions against the control credit risk.

Technical background

Credit is the special shape of repaying the value movement that is condition, comprises that money loan and commodity the form such as sell on credit, as bank credit, commercial credit etc.Credit essence is a kind of debtor-creditor relationship, and namely providers of credit (obligee) believes that receiver (debtor) has ability of paying back, and agrees the promise of the repayment in future that the receiver does.

Credit risk claims again default risk, refers to obligation in counterparty's fail to act stipulation and possibility and the order of severity of economic loss.Extensively gathering individual, credit information of enterprise, to set up credit investigation system be to take precautions against the art methods of controlling credit risk, specifically comprises personal credit system (as: People's Bank of China's reference center personal credit information basic database) and enterprise's credit investigation system (as: People's Bank of China's reference center credit information of enterprise basic database).

Personal credit report is the basic product that personal credit system provides, it has recorded the historical information of the credit transaction that occurs between client and bank, as long as the client handled credit card, loan in bank, was the credit operations such as other people loan guarantee, he will report and submit by the data of commercial bank at the registered essential information of bank and accounts information and enter personal credit checking system, thereby has formed client's credit report.With the personal credit report type seemingly, business standing report is the basic reference product that enterprise's credit investigation system provides external service.Personal credit report, business standing report provide comprehensive credit information comprehensively and accurately to the inquiry, for all kinds of transactions with credit provide important decision references, reduce unnecessary credit risk and loss.

Promise breaking information (as: time of exceeding the time limit, the amount of money that exceeds the time limit, number of times etc. exceeds the time limit) is the important component part of personal credit report, business standing report, is also that the inquirer takes precautions against and controls the required key message of credit risk.the person's of being queried personal credit report, if there is promise breaking information in the business standing report, illustrate that this person of being queried possibility of breaking a contract is higher, after the promise breaking information evaluation risk of inquiry according to the person of being queried, can adopt the mode of refusal transaction with credit to evade credit risk (usually long in the time of exceeding the time limit, the amount of money that exceeds the time limit is large, in often the situation of exceeding the time limit), also can adopt reduction transaction with credit scale (as: to reduce loan limit, reduce and sell quantity of goods etc. on credit) or additional transaction with credit condition (as: increase guarantor, increase guaranty, reduction mortgage rate etc.) mode is controlled credit risk.

The below takes precautions against the main body of control credit risk referred to as risk control side for ease of setting forth the present invention, and the object of risk control side's strick precaution control credit risk namely may be broken a contract and be caused the main body of credit risk to be subjected to prosecutor referred to as risk.It can be both industrial and commercial enterprises, financial institution, public institution that risk control side and risk are subjected to prosecutor, can be also the nature person.

Credit investigation system has vital role aspect strick precaution control credit risk, but has the following disadvantages:

1, at present, the information source of enterprises and individuals's credit information basic database is mainly the financial institutions such as commercial bank, authenticity and accuracy in order to ensure information, be not nature person arbitrarily, business unit can upload the information relevant to transaction with credit to credit investigation system arbitrarily, here the deficiency that exists is: the risk control side that there is no upload permissions of One's name is legion, can not upload to risk to credit investigation system and be subjected to the relevant promise breaking information of prosecutor, even if risk is broken a contract by prosecutor, can do not known by other any third parties who inquires about credit investigation system yet, cause like this credit risk may continue to any third party's diffusion, be subjected to the credit risk that the promise breaking of prosecutor subject intent causes effectively to be taken precautions against control by risk.

2, personal credit report and business standing report comprise a large amount of private informations, needs based on the information security aspect, the use that personal credit report and business standing are reported only limits to commercial bank, deals with the financial institution of credit according to law (being mainly management of housing fund center, capital company, auto financing company, small loan company etc.) and the People's Bank at present, in addition numerous risk control sides can not obtain risk by the inquiry credit investigation system and be subjected to the promise breaking information of prosecutor to take precautions against the control credit risk owing to not possessing search access right.Even if risk is broken a contract by prosecutor, the promise breaking information of credit investigation system record is subjected to the coverage of prosecutor prestige relatively limited to risk, weaken thus credit investigation system and taken precautions against the ability that the inhibition risk is subjected to the promise breaking of prosecutor subject intent, weakened the ability that credit investigation system is controlled risk and spread by the prosecutor credit risk.

Summary of the invention

The invention provides the method for controlling credit risk for taking precautions against, make risk control enough be subjected to the relevant advertised information of prosecutor violation of agreement to any third party's issue to risk easily based on telephone number, strengthen risk control side and take precautions against the ability of controlling credit risk.

Another object of the present invention is to provide the method for controlling credit risk for taking precautions against, any third party outside making risk control side and risk being subjected to prosecutor can be known easily to risk based on telephone number and is subjected to the relevant advertised information of prosecutor violation of agreement, provide important decision references information for any third party and the controlled people of risk carry out transaction with credit, strengthen the ability that any third party takes precautions against the control credit risk.

For realizing purpose of the present invention, provided by the invention a kind of for taking precautions against the method for controlling credit risk, comprise step (a): risk control side requires risk to be subjected to prosecutor that at least one telephone number (N) is provided;

Described step (a) comprises that further risk control side obtains one of at least in the following manner Special Empower:

(1) risk control direction risk is subjected to prosecutor that contract specification is provided, and the agreement content that risk control side arranges in described contract specification comprises: risk control side have the right to change the original voice suggestion of telephone number (N) or/and original ring-back tone for to be subjected to the relevant advertised information of prosecutor violation of agreement to risk; Risk is subjected to prosecutor to sign/affix one's seal on described contract specification, agrees: risk control side have the right to change the original voice suggestion of telephone number (N) or/and original ring-back tone for to be subjected to the relevant advertised information of prosecutor violation of agreement to risk;

(2) risk control direction risk is subjected to prosecutor that power of attorney is provided, and the authorized content that risk control side arranges in described power of attorney comprises: risk control side have the right to change the original voice suggestion of telephone number (N) or/and original ring-back tone for to be subjected to the relevant advertised information of prosecutor violation of agreement to risk; Risk is subjected to prosecutor to sign/affix one's seal on described power of attorney, agrees: risk control side have the right to change the original voice suggestion of telephone number (N) or/and original ring-back tone for to be subjected to the relevant advertised information of prosecutor violation of agreement to risk;

(3) risk control side requires risk provided by prosecutor to have the power of attorney that telephone number (N) user signs/affixes one's seal and agrees, the authorized content of described power of attorney comprises: risk control side have the right to change the original voice suggestion of telephone number (N) or/and original ring-back tone for to be subjected to the relevant advertised information of prosecutor violation of agreement to risk;

(4) risk control direction risk is subjected to prosecutor that contract specification is provided, and the agreement content that risk control side arranges in described contract specification comprises: risk control side has the right in the original voice suggestion of telephone number (N) to be subjected to the relevant advertised information of prosecutor violation of agreement or/and original ring-back tone adds before to risk; Risk is subjected to prosecutor to sign/affix one's seal on described contract specification, agrees: risk control side has the right in the original voice suggestion of telephone number (N) to be subjected to the relevant advertised information of prosecutor violation of agreement or/and original ring-back tone adds before to risk;

(5) risk control direction risk is subjected to prosecutor that power of attorney is provided, and the authorized content that risk control side arranges in described power of attorney comprises: risk control side has the right in the original voice suggestion of telephone number (N) to be subjected to the relevant advertised information of prosecutor violation of agreement or/and original ring-back tone adds before to risk; Risk is subjected to prosecutor to sign/affix one's seal on described power of attorney, agrees: risk control side has the right in the original voice suggestion of telephone number (N) to be subjected to the relevant advertised information of prosecutor violation of agreement or/and original ring-back tone adds before to risk;

(6) risk control side requires risk provided by prosecutor to have the power of attorney that telephone number (N) user signs/affixes one's seal and agrees, the authorized content of described power of attorney comprises: risk control side has the right in the original voice suggestion of telephone number (N) or/and add before original ring-back tone and be subjected to the relevant advertised information of prosecutor violation of agreement to risk.

Comprise step (a) step (b1) afterwards: after risk is broken a contract by prosecutor, risk control side changes risk and is subjected to the original voice suggestion of telephone number (N) that prosecutor provides or/and original ring-back tone is new voice suggestion, reports to any third party of dial phone number (N) by described new voice suggestion and is subjected to the relevant advertised information of prosecutor violation of agreement to risk.

Comprise step (b1) step (c) afterwards: after risk is subjected to prosecutor correction violations, risk control side cancels and change the new voice suggestion of using in step (b1), stops being subjected to the relevant advertised information of prosecutor violation of agreement by described new voice suggestion report to risk; Perhaps, after risk was subjected to the termination of contract that prosecutor promise breaking relates to, risk control side cancelled the new voice suggestion of changing use in step (b1), stops being subjected to the relevant advertised information of prosecutor violation of agreement by described new voice suggestion report to risk.

Comprise step (a) step (b2) afterwards: after risk is broken a contract by prosecutor, risk control side adds new voice suggestion to the original voice suggestion of telephone number (N) that risk provides by prosecutor or/and before original ring-back tone, reports to any third party of dial phone number (N) by described new voice suggestion and is subjected to the relevant advertised information of prosecutor violation of agreement to risk.

Comprise step (b2) step (c) afterwards: after risk is subjected to prosecutor correction violations, risk control side cancels and add the new voice suggestion of using in step (b2), stops being subjected to the relevant advertised information of prosecutor violation of agreement by described new voice suggestion report to risk; Perhaps, after risk was subjected to the termination of contract that prosecutor promise breaking relates to, risk control side cancelled the new voice suggestion of adding use in step (b2), stops being subjected to the relevant advertised information of prosecutor violation of agreement by described new voice suggestion report to risk.

The present invention is further preferred, and described original voice suggestion will comprise at least: the voice suggestion that the voice suggestion that the voice suggestion that telephone number (N) is reported when being in talking state, telephone number (N) are reported when being in off-mode, telephone number (N) are reported when being in stopped status, the voice suggestion of reporting when telephone number (N) is in the out of reach state, telephone number (N) be in be provided with voice suggestion that incoming call when restriction report one of them.

The present invention is further preferred, and described original ring-back tone will comprise at least: the common ring-back tone that telephone number (N) is corresponding, telephone number (N) are corresponding open the Customized Ring Back Tone that uses after Ring Back Tone service one of them.

(1) risk control direction risk is subjected to prosecutor that contract specification is provided, the agreement content that risk control side arranges in described contract specification comprises: risk control side has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and risk control side has the right to be subjected to the relevant advertised information of prosecutor violation of agreement according to any third-party telephone number (M) transmission of recording in described message registration to risk; Risk is subjected to prosecutor to sign/affix one's seal on described contract specification, agree: risk control side has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and risk control side has the right to be subjected to the relevant advertised information of prosecutor violation of agreement according to any third-party telephone number (M) transmission of recording in described message registration to risk;

(2) risk control direction risk is subjected to prosecutor that power of attorney is provided, the authorized content that risk control side arranges in described power of attorney comprises: risk control side has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and risk control side has the right to be subjected to the relevant advertised information of prosecutor violation of agreement according to any third-party telephone number (M) transmission of recording in described message registration to risk; Risk is subjected to prosecutor to sign/affix one's seal on described power of attorney, agree: risk control side has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and risk control side has the right to be subjected to the relevant advertised information of prosecutor violation of agreement according to any third-party telephone number (M) transmission of recording in described message registration to risk;

(3) risk control side requires risk provided by prosecutor to have the power of attorney that telephone number (N) user signs/affixes one's seal and agrees, the authorized content of described power of attorney comprises: risk control side has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and risk control side has the right to be subjected to the relevant advertised information of prosecutor violation of agreement according to any third-party telephone number (M) transmission of recording in described message registration to risk.

Comprise step (a) step (b3) afterwards: after risk is broken a contract by prosecutor, the corresponding message registration of telephone number (N) that risk control direction telecom operators inquiry risk is provided by prosecutor, the risk control root sends note according to any third-party telephone number (M) that records in described message registration, any third party is received to risk by described note be subjected to the relevant advertised information of prosecutor violation of agreement.

Step (b3) is further preferred, when risk was subjected to prosecutor to be enterprise, described any third-party telephone number (M) will comprise at least: the supplier's of this enterprise telephone number, the client's of this enterprise telephone number, the shareholder's of this enterprise telephone number, the office worker's of this enterprise telephone number, this enterprise participate in by shares the telephone number of holding affiliated enterprise, telephone number that the shareholder of this enterprise participates in holding affiliated enterprise by shares one of them; When risk was subjected to prosecutor to be the nature person, described any third-party telephone number (M) will comprise at least: this nature person's relatives' telephone number, this nature person's colleague's telephone number, this nature person's classmate's telephone number, this nature person be stored in own cell phone address book telephone number one of them.

said method is preferred, when risk is subjected to prosecutor to be enterprise, described risk will be comprised by the telephone number (N) that prosecutor provides at least: the legal representative's of this enterprise telephone number, the legal representative's of this enterprise spouse's telephone number, the legal representative's of this enterprise father and mother's telephone number, the shareholder's of this enterprise telephone number, the shareholder's of this enterprise spouse's telephone number, the shareholder's of this enterprise father and mother's telephone number, the financial administrator's of this enterprise telephone number, the office worker's of this enterprise telephone number, the telephone number of this enterprise, the guarantor's of this enterprise telephone number, this enterprise participates in the telephone number of holding affiliated enterprise by shares, you participate in the telephone number of holding affiliated enterprise by shares this enterprise's thigh, the supplier's of this enterprise telephone number, the client's of this enterprise telephone number one of them, when risk was subjected to prosecutor to be the nature person, described risk will be comprised by the telephone number (N) that prosecutor provides at least: this nature person's telephone number, this nature person's spouse's telephone number, this nature person's father and mother's telephone number, this nature person's colleague's telephone number, this nature person's classmate's telephone number, this nature person's guarantor's telephone number one of them.

Said method is preferred, and described step (a) further comprises: risk control side requires described risk to be subjected to the telephone number (N) that prosecutor provides to carry out the real name registration with user's title at the telecom operators place.

Said method is preferred, and described step (a) further comprises: risk control side requires risk used over 12 months from certainly enabling by telephone number (N) that prosecutor provides.

said method is preferred, describedly comprised at least by the relevant advertised information of prosecutor violation of agreement to risk: the contract value that risk is related to by the prosecutor promise breaking, the execution of contract zero-time that risk is related to by the prosecutor promise breaking, risk is subjected to the current total debt of prosecutor, risk is subjected to prosecutor penalty for default volume, risk is exceeded the time limit the time by prosecutor, risk is subjected to prosecutor to add up to exceed the time limit the amount of money, risk is subjected to prosecutor to add up to exceed the time limit number of times, risk is subjected to prosecutor to add up to exceed the time limit number of days, risk is subjected to the title of prosecutor, risk is subjected to the telephone number of prosecutor, the title of risk control side, the telephone number of risk control side, the violations that the risk control policy is subjected to prosecutor to risk are Adopts measure, the risk control policy to risk be subjected to the violations of prosecutor be about to Adopts measure one of them.

The technological merit of the main beneficial effect that the present invention realizes and contrast credit investigation system is as follows:

1, prestige refer to be attached between the people, between unit and the relations of production of a kind of mutual trust that forms between commodity transaction and social relationships.Known, well-deserved reputation is a kind of intangible asset.telephone number is interpersonal, the important medium of communicating with each other between unit and getting in touch with, the present invention utilizes this characteristic of telephone number, risk control can be reached easily be subjected to the relevant advertised information of prosecutor violation of agreement to any third party's issue to risk, the beneficial effect of realizing like this is: impel risk to be subjected to prosecutor for the consideration that is without prejudice of protection self prestige, assess more carefully the contractual capacity of self before transaction with credit, fulfil agreement during transaction with credit more positively, effectively reduce the possibility that risk is subjected to the promise breaking of prosecutor subject intent, strengthen the anti-prosecutor of risk and take precautions against the ability of controlling credit risk before transaction with credit.In addition, arbitrarily the third party is obtaining to after risk is subjected to the relevant advertised information of prosecutor violation of agreement, it agrees descended by the possibility of prosecutor transaction with credit with risk, and the beneficial effect of realizing like this is: make the anti-prosecutor of risk possess to control risk in the transaction with credit process and be subjected to the ability of prosecutor credit risk diffusion.

2, the present invention can obtain easily to risk any third party and is subjected to the relevant advertised information of prosecutor violation of agreement, the beneficial effect of realizing like this is: the third party can according to being subjected to the relevant advertised information of prosecutor violation of agreement to assess judgement and the credit risk that risk is subjected to prosecutor to carry out transaction with credit to risk, strengthen described any third party and take precautions against the ability of controlling credit risk before transaction with credit arbitrarily.In addition, use the inventive method and inquire about credit investigation system, can access to compare and only inquire about credit investigation system and more be subjected to the relevant promise breaking information of prosecutor to risk, be conducive to assess more accurately judgement and be subjected to prosecutor to carry out the credit risk that transaction with credit need to be born with risk.

3, compare with credit investigation system, no matter whether risk control side possesses authority from information to credit investigation system that upload, can use the present invention to be subjected to the relevant advertised information of prosecutor violation of agreement to any third party's issue to risk easily; No matter arbitrarily whether the third party possesses the authority of inquiry credit investigation system, can use the inventive method to obtain easily to risk and be subjected to the relevant advertised information of prosecutor violation of agreement.Drawing thus the apparent advantage of the present invention is, can effectively make up the deficiency that credit investigation system exists aspect the credit risk prevention and control, simultaneously again not too much disclosure risk be subjected to the important private information of prosecutor, the information such as the name that is queried the people that comprises such as personal credit report, ID (identity number) card No., date of birth, household register, inhabitation address, work unit, unit address, spouse's name; The loan card coding that is queried enterprise that comprises such as business standing report, institutional framework code, enterprises registration record date, land tax registration number, national tax are stepped on heart number, licence issuing authority, project in construction, are had Patent, senior executive, composition of capital, Shareholder Structure, the main information such as financial index.

Description of drawings

Fig. 1 is that the present invention is used to take precautions against a process flow diagram controlling credit risk;

Fig. 2 is that the present invention is used to take precautions against a process flow diagram controlling credit risk.

Embodiment

For making the purpose, technical solutions and advantages of the present invention clearer, below in conjunction with specific embodiments and the drawings, the present invention is described in further detail.At this, illustrative examples of the present invention and explanation thereof are used for explanation the present invention, but not as a limitation of the invention.

Embodiment 1:

To be bank or other financial institutions lend a kind of credit activity form of money-capital by certain interest rate and the condition such as must give back to loan, the present invention can be applied to loan transaction and take precautions against the control credit risk, improve the security of loan assets, be particularly advantageous in the security that improves without the unsecured fiduciary loan of mortgage, be specifically described below in conjunction with embodiment 1.

It is the loan of 1,000,000 yuan that XX bank provides an amount to AA company, according to the agreement in " loan agreement ": the zero-time that comes into force of loan agreement is on February 1st, 2012, the first repayment period of AA company is on March 1st, 2012, AA company regularly refunded 90,000 yuan to XX bank in 1 day of every month, and one is divided into the also complete whole principal and interest of 12 phases.XX bank is as the risk control side of this loan, AA company is subjected to prosecutor as the risk of this loan, use the present invention to take precautions against to control credit risk and comprise: afterwards step (c) of afterwards step (b1) of step (a), step (a), step (b1), step (a) be step (b3) afterwards, as shown in Figure 1.

Step (a): XX bank requires AA company that at least one telephone number (N) is provided.

Described step (a) comprises that further XX bank obtains Special Empower by such mode, XX bank provides contract specification to AA company, and the agreement content that XX bank arranges in described contract specification comprises: (1) XX bank has the right to change the original voice suggestion of telephone number (N) or/and original ring-back tone is the advertised information relevant to AA company violation of agreement; (2) XX bank has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and XX bank has the right to send the advertised information relevant to AA company violation of agreement according to any third-party telephone number (M) that records in described message registration.AA company signs/affixes one's seal on described contract specification, agrees: (1) XX bank has the right to change the original voice suggestion of telephone number (N) or/and original ring-back tone is the advertised information relevant to AA company violation of agreement; (2) XX bank has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and XX bank has the right to send the advertised information relevant to AA company violation of agreement according to any third-party telephone number (M) that records in described message registration.A kind of easy embodiment, XX bank can add these agreement contents to and jointly in " loan agreement " consists of the said contract file.

In case make AA company clearly know credibility loss and other adverse effects that promise breaking may cause by the said contract file, impel like this AA company signing " loan agreement " front ability of paying back of assessing more carefully self with XX bank, fulfil more timely the obligation of refunding after signing " loan agreement " with XX bank, effectively take precautions against and suppress the subject intent promise breaking of AA company, reduce thus the credit risk that XX bank provides this credit society to bear.

XX bank requires the telephone number (N) that AA company provides will comprise at least: the legal representative's of AA company telephone number, the legal representative's of AA company spouse's telephone number, the legal representative's of AA company father and mother's telephone number, the shareholder's of AA company telephone number, the shareholder's of AA company spouse's telephone number, the shareholder's of AA company father and mother's telephone number, the financial administrator's of AA company telephone number, the office worker's of AA company telephone number, the telephone number of AA company, the guarantor's of AA company telephone number, AA company participates in the telephone number of holding affiliated enterprise by shares, AA shareholder participates in the telephone number of holding affiliated enterprise by shares, the supplier's of AA company telephone number, the client's of AA company telephone number one of them.Telephone number (N) can be accepted type and comprise: telephone number corresponding to telephone number, landline telephone that mobile phone (mobile phone, Personal Handyphone System) is corresponding.XX bank uses these telephone numbers (N) more, more can effectively take precautions against and suppress the subject intent promise breaking of AA company, more can effectively control the credit risk diffusion of AA company, reduces thus the credit risk that XX bank bears.

Described step (a) further comprises: XX bank requires the telephone number (N) that described AA company provides to carry out the real name registration with user's title at the telecom operators place, can verify so whether telephone number (N) meets the requirement of XX bank, guarantee to use telephone number (N) to take precautions against the validity of controlling credit risk.

Described step (a) further comprises: XX bank requires telephone number (N) that AA company provides to use over 12 months from certainly enabling.Telephone number (N) make the time longer, the any third party who knows telephone number (N) is more, more be conducive to the XX risk evasion and suppress the subject intent promise breaking of AA company, more be conducive to the credit risk diffusion that XX bank controls AA company, reduce thus the credit risk that XX bank bears.

Step (a) step (b1) afterwards: after AA company breaks a contract, XX bank changes the original voice suggestion of telephone number (N) that AA company provides or/and original ring-back tone is new voice suggestion, reports the advertised information relevant to AA company violation of agreement by described new voice suggestion to any third party of dial phone number (N).

One of voice suggestion of reporting when preferably, the original voice suggestion of described telephone number (N) is included in following situation at least:

(1) voice suggestion reported when being in talking state of telephone number (N), typically for example " you are good! The phone that you dial is conversed, and please dials after a while again.Please holdon, the subscriber you dialed is busy now. " " you are good! Please not want on-hook, the phone that you dial is conversed.Sorry！The subscriber you dialed is busy now，please redial later.”

(2) voice suggestion reported when being in off-mode of telephone number (N), typically for example " you are good! The phone that you dial shuts down.Sorry！The subscriber you dialed is power off.”

(3) voice suggestion reported when being in stopped status of telephone number (N), I'm typically for example " sorry! The phone that you dial is shut down.Sorry！The number you dialed is out of service.”

The voice suggestion of reporting when (4) telephone number (N) is in the out of reach state, I'm typically for example " sorry! The user that you dial temporarily can't connect, and please dials after a while again.Sorry！The subscriber you dialed can not be connected for the moment，please redial later.”

(5) telephone number (N) is in the voice suggestion of reporting when being provided with the incoming call restriction, and is typically for example " sorry! The user that you dial has arranged the incoming call restriction.Sorry！The subscriber you dialed has set barring of incoming calls.”

The original ring-back tone of described telephone number (N) specifically refers to the ring-back tone that calls customer is heard when (N) wait that dials phone number is connected.Original ring-back tone can be divided into two classes, and a class is the common ring-back tone of " pouting ... pout ... ", and a class is to open the Customized Ring Back Tone that uses after Ring Back Tone service.CRBT is the abbreviation of " personalized multi-colour return-bell sound business " (Coloring Ring Back Tone), and it is one is the business that other calls customer of calling out own mobile phone are set the ring-back tone of special sound effects (music, song, plot, personage's dialogue) by called party client.Preferably, described original ring-back tone will comprise at least: the common ring-back tone that telephone number (N) is corresponding, telephone number (N) are corresponding open the Customized Ring Back Tone that uses after Ring Back Tone service one of them.

Come description of step (b1) with situation more specifically.when AA company do not refund according to the directed XX of the pact bank of " loan agreement " break a contract after, XX bank for example changes the new voice suggestion used in step (b1): " indicating risk, AA company obtains 1,000,000 yuan of loans on February 1st, 2012 from XX bank, the current total debt of AA company is 810,000 yuan, the AA company amount of money that exceeded the time limit on June 1st, 2012 is 90,000 yuan, the AA company amount of money that exceeded the time limit on July 1st, 2012 is 90,000 yuan, the AA company accumulative total amount of money that exceeds the time limit is 180,000 yuan, the AA company accumulative total number of times that exceeds the time limit is 2 times, the AA company accumulative total number of days that exceeds the time limit is 32 days, the telephone number of AA company is 0286666666, the telephone number of XX bank is 0289999999, announcement hereby."; Described new voice suggestion is for example: " indicating risk; AA company obtains 1,000,000 yuan of loans on February 1st, 2012 from XX bank; refuse to fulfill the grave breaches of the obligation of refunding in view of AA company; XX bank litigates to law court at present; the telephone number of AA company is 0286666666; telephone number of XX bank is 0289999999, announcement hereby." advertised information relevant to AA company violation of agreement reported according to described new voice suggestion of any third party of dial phone number (N); can assess judgement and AA company and carry out the credit risk that transaction with credit may exist, and the telephone number that can dial the telephone number of AA company and XX bank is solved the authenticity of this advertised information.Step (b1) has possessed XX bank to control the ability of the credit risk diffusion of AA company, avoids thus the AA company credit of excessively overdrawing to cause the credit risk that XX bank bears to increase.

Step (b1) step (c) afterwards: after violations are revised by AA company, XX bank cancels in step (b1) and to change the new voice suggestion of using, and stops reporting the advertised information relevant to AA company violation of agreement by described new voice suggestion; Perhaps, after the termination of contract that the promise breaking of AA company relates to, XX bank cancels and change the new voice suggestion of using in step (b1), stops by the described new voice suggestion report advertised information relevant to AA company violation of agreement.

Come description of step (c) with situation more specifically.For example, AA company repays all exceed the time limit 180,000 yuan of the amount of money of accumulative total for reducing credibility loss on July 8th, 2012 to XX bank, and promise to undertake to XX bank and be ready to continue by approximately fulfiling the obligation of refunding, be that violations have been revised by AA company, XX bank cancels and change the new voice suggestion of using in step (b1), stops reporting the advertised information relevant to AA company violation of agreement by described new voice suggestion; Again for example, AA company is for reducing credibility loss on July 7th, 2012 to 810,000 yuan of the current total debts of the XX whole accumulative total of bank's repayment, active termination " loan agreement " between AA company and XX bank, XX bank cancels and change the new voice suggestion of using in step (b1), stops reporting the advertised information relevant to AA company violation of agreement by described new voice suggestion.In brief, step (c) reduces negative effect to AA company reputation by cancelling in step (b1) the new voice suggestion of changing use, impel AA company's active correction violations or active termination contract, realize that thus XX bank controls the purpose of credit risk.

Step (a) step (b3) afterwards: after AA company breaks a contract, the corresponding message registration of telephone number (N) that XX bank provides to inquiry AA company of telecom operators, XX bank sends note according to any third-party telephone number (M) that records in described message registration, makes any third party receive the advertised information relevant to AA company violation of agreement by described note.XX bank uses these telephone numbers (M) more, more can effectively control the credit risk diffusion of AA company.

Note (short message service is called for short SMS) is that the user passes through mobile phone or other telecommunication terminals directly send or word or the numerical information of reception.

Come description of step (b3) with situation more specifically.when AA company do not refund to XX bank according to the agreement of " loan agreement " on schedule break a contract after, XX bank sends note according to described any third-party telephone number (M), described note is for example: " indicating risk, AA company obtains 1,000,000 yuan of loans on February 1st, 2012 from XX bank, the current total debt of AA company is 810,000 yuan, the AA company amount of money that exceeded the time limit on June 1st, 2012 is 90,000 yuan, the AA company amount of money that exceeded the time limit on July 1st, 2012 is 90,000 yuan, the AA company accumulative total amount of money that exceeds the time limit is 180,000 yuan, the AA company accumulative total number of times that exceeds the time limit is 2 times, the AA company accumulative total number of days that exceeds the time limit is 32 days, the telephone number of AA company is 0286666666, the telephone number of XX bank is 0289999999, announcement hereby."; Described note is for example: " indicating risk; AA company obtains 1,000,000 yuan of loans on February 1st, 2012 from XX bank; refuse to fulfill the grave breaches of the obligation of refunding in view of AA company; XX bank litigates to law court at present; the telephone number of AA company is 0286666666; telephone number of XX bank is 0289999999, announcement hereby." arbitrarily the third party receive the advertised information relevant to AA company violation of agreement according to described note; can assess judgement and AA company and carry out the credit risk that transaction with credit may exist, and the telephone number that can dial the telephone number of AA company and XX bank is solved the authenticity of this advertised information.Step (b3) has possessed XX bank to control the ability of the credit risk diffusion of AA company, avoids thus the AA company credit of excessively overdrawing to cause the credit risk that XX bank bears to increase.

Step (b3) is further preferred, and described any third-party telephone number (M) will comprise at least: telephone number, the AA shareholder that the office worker's of the shareholder's of the client's of the supplier's of AA company telephone number, AA company telephone number, AA company telephone number, AA company telephone number, AA company participates in holding affiliated enterprise by shares participate in by shares holding affiliated enterprise telephone number one of them.These telephone numbers (M) generally can be presented in the corresponding message registration of telephone number (N), XX bank also can be to requiring before AA company provides this loan AA company that these telephone numbers (M) are provided, XX bank uses these telephone numbers (M) more, more can effectively control the credit risk diffusion of AA company, avoid thus the AA company credit of excessively overdrawing to cause the credit risk that XX bank bears to increase.

Embodiment 2:

Credit card is that commercial bank issues to individual and unit, does shopping, consumes and to the bank access cash, have the special carrier card of consumer credit to contributing unit whereby, and be a kind of micro-credit means of payment of refunding afterwards of first consuming that bank offers the user.The present invention can be applied to credit card business and take precautions against the control credit risk, is specifically described below in conjunction with embodiment 2.

XX bank is to credit card of nature person Li Si credit distribution, and according to the agreement in " credit card is received contract ": the accrediting amount of this credit card is 30,000.XX bank is as the risk control side of this credit card of distribution, Li Si is subjected to prosecutor as the risk of using this credit card, use the present invention to take precautions against to control credit risk and comprise: afterwards step (c) of afterwards step (b1) of step (a), step (a), step (b1), step (a) be step (b3) afterwards, as shown in Figure 1.

Step (a): XX the requirement Li Si of bank provide at least one telephone number (N).

Described step (a) comprises that further XX bank obtains Special Empower by such mode, XX bank provides power of attorney to Li Si, and the authorized content that XX bank arranges in described power of attorney comprises: (1) XX bank has the right to change the original voice suggestion of telephone number (N) or/and original ring-back tone is the advertised information relevant to Li Si's violation of agreement; (2) XX bank has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and XX bank has the right to send the advertised information relevant to Li Si's violation of agreement according to any third-party telephone number (M) that records in described message registration.Li Si signs/affixes one's seal on described power of attorney, agrees: (1) XX bank has the right to change the original voice suggestion of telephone number (N) or/and original ring-back tone is the advertised information relevant to Li Si's violation of agreement; (2) XX bank has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and XX bank has the right to send the advertised information relevant to Li Si's violation of agreement according to any third-party telephone number (M) that records in described message registration.A kind of easy embodiment, Li Si can agree that above-mentioned authorized content provides the precondition of this credit card as XX bank with purpose Li Si in XX bank.

In case make Li Si clearly know credibility loss and other adverse effects that promise breaking may cause by above-mentioned power of attorney, impel like this Li Si signing " credit card is received contract " front ability of paying back of assessing more carefully self with XX bank, after using this credit card, Li Si fulfils more timely the obligation of refunding, effectively take precautions against and suppress the promise breaking of Li Si's subject intent, reduce thus the credit risk that this credit card of XX issued by banks bears.

XX bank requires the telephone number (N) that Li Si provides will comprise at least: Li Si's telephone number, Li Si's spouse's telephone number, Li Si's father and mother's telephone number, Li Si's colleague's telephone number, Li Si's classmate's telephone number, Li Si's guarantor's telephone number one of them.Telephone number (N) acceptable type comprises: telephone number corresponding to telephone number, landline telephone that mobile phone (mobile phone, Personal Handyphone System) is corresponding.XX bank uses these telephone numbers (N) more, more can effectively take precautions against and suppress the promise breaking of Li Si's subject intent, more can effectively control Li Si's credit risk diffusion, reduces thus the credit risk that XX bank bears.

Described step (a) further comprises: the telephone number (N) that the described Li Si of XX bank's requirement provides carried out the real name registration with user's title at the telecom operators place, can verify so whether telephone number (N) meets the requirement of XX bank, guarantee to use telephone number (N) to take precautions against the validity of controlling credit risk.

Described step (a) further comprises: use over 12 months from the telephone number (N) that the XX requirement Li Si of bank provides is enabled certainly.The service time of telephone number (N) is longer, the any third party who knows telephone number (N) is more, more be conducive to the XX risk evasion and suppress the promise breaking of Li Si's subject intent, more be conducive to the credit risk diffusion that XX bank controls Li Si, reduce thus the credit risk that XX bank bears.

Step (a) step (b1) afterwards: after AA company breaks a contract, XX bank changes the original voice suggestion of telephone number (N) that Li Si provides or/and original ring-back tone is new voice suggestion, reports the advertised information relevant to Li Si's violation of agreement by described new voice suggestion to any third party of dial phone number (N).

The original ring-back tone of described telephone number (N) specifically refers to the ring-back tone that calls customer is heard when (N) wait that dials phone number is connected.Original ring-back tone can be divided into two classes, and a class is the common ring-back tone of " pouting ... pout ... ", and a class is to open the Customized Ring Back Tone that uses after Ring Back Tone service.Preferably, described original ring-back tone will comprise at least: the common ring-back tone that telephone number (N) is corresponding, telephone number (N) are corresponding open the Customized Ring Back Tone that uses after Ring Back Tone service one of them.

Come description of step (b1) with situation more specifically.after Li Si does not use this credit card to break a contract according to " credit card is received contract ", XX bank for example changes the new voice suggestion used in step (b1): " indicating risk, it is the credit card of 30,000 yuan that Li Si has enabled the XX bank line, Li Si's amount of money that exceeded the time limit on January 5th, 2013 is 2.9 ten thousand yuan, Li Si's accumulative total number of days that exceeds the time limit is 84 days, refuse to fulfill the violations of the obligation of refunding in view of Li Si, XX bank will soon litigate to law court, Li Si's telephone number is 13722222222, the telephone number of XX bank is 0289999977, announcement hereby." advertised information relevant to Li Si's violation of agreement reported according to described new voice suggestion of any third party of dial phone number (N); can assess judgement and Li Si and carry out the credit risk that transaction with credit may exist, and the telephone number that can dial Li Si's telephone number and XX bank is solved the authenticity of this advertised information.The ability of the credit risk diffusion that step (b1) has possessed XX bank to control Li Si avoids Li Si's credit of excessively overdrawing to cause the credit risk that XX bank bears to increase thus.

Step (b1) step (c) afterwards: after Li Si revises violations, XX bank cancels and change the new voice suggestion of using in step (b1), stops by the described new voice suggestion report advertised information relevant to Li Si's violation of agreement; Perhaps, after the termination of contract that Li Si promise breaking relates to, XX bank cancels the new voice suggestion of changing use in step (b1), stops by the described new voice suggestion report advertised information relevant to Li Si's violation of agreement.

Come description of step (c) with situation more specifically.For example, Li Si repays on January 8th, 2013 to XX bank exceed the time limit 2.9 ten thousand yuan of the amount of money and corresponding interest for reducing credibility loss, be that Li Si has revised violations, XX bank cancels and change the new voice suggestion of using in step (b1), stops by the described new voice suggestion report advertised information relevant to Li Si's violation of agreement; Again for example, Li Si repays on January 8th, 2013 to XX bank exceed the time limit 2.9 ten thousand yuan of the amount of money and corresponding interest for reducing credibility loss, and require XX bank to nullify this credit card, be Li Si's active termination and XX bank between " credit card is received contract ", XX bank cancels and change the new voice suggestion of using in step (b1), stops by the described new voice suggestion report advertised information relevant to Li Si's violation of agreement.In brief, step (c) reduces negative effect to Li Si's prestige by cancelling in step (b1) the new voice suggestion of changing use, impel the violations of Li Si's active correction or active termination contract, realize that thus XX bank controls the purpose of credit risk.

Step (a) step (b3) afterwards: after Li Si breaks a contract, the corresponding message registration of telephone number (N) that XX bank provides to the inquiry Li Si of telecom operators, XX bank sends note according to any third-party telephone number (M) that records in described message registration, makes any third party receive the advertised information relevant to Li Si's violation of agreement by described note.XX bank uses these telephone numbers (M) more, more can effectively control Li Si's credit risk diffusion.

Come description of step (b3) with situation more specifically.after Li Si does not use this credit card to break a contract according to " credit card is received contract ", XX bank sends note according to described any third-party telephone number (M), described note is for example: " indicating risk, it is the credit card of 30,000 yuan that Li Si has enabled the XX bank line, Li Si's amount of money that exceeded the time limit on January 5th, 2013 is 2.9 ten thousand yuan, the Li Si accumulative total number of days that exceeds the time limit is 84 days, refuse to fulfill the violations of the obligation of refunding in view of Li Si, XX bank will soon litigate to law court, Li Si's telephone number is 13722222222, the telephone number of XX bank is 0289999977, announcement hereby." arbitrarily the third party receive the advertised information relevant to Li Si's violation of agreement according to described note; can assess judgement and Li Si and carry out the credit risk that transaction with credit may exist, and the telephone number that can dial Li Si's telephone number and XX bank is solved the authenticity of this advertised information.The ability of the credit risk diffusion that step (b3) has possessed XX bank to control Li Si avoids Li Si's credit of excessively overdrawing to cause the credit risk that XX bank bears to increase thus.

Step (b3) is further preferred, and described any third-party telephone number (M) will comprise at least: Li Si's relatives' telephone number, Li Si's colleague's telephone number, Li Si's classmate's telephone number, Li Si be stored in own cell phone address book telephone number wherein it.These telephone numbers (M) generally can be presented in the corresponding message registration of telephone number (N), XX bank also can require Li Si that above-mentioned telephone number (M) is provided before providing this credit card to Li Si, XX bank uses these telephone numbers (M) more, more can effectively control Li Si's credit risk diffusion, avoid thus Li Si's credit of excessively overdrawing to cause the credit risk that XX bank bears to increase.

Embodiment 3:

Loan guarantee is that guarantee agency is that the third party that lender (financial institution) and borrower's (being mainly industrial and commercial enterprises and nature person) provide guarantees.Guarantee agency guarantees to be responsible for the payment borrower and to deal with and unpaid principal and interest when the borrower is not repaid capital with interest by the time limit of loan contract agreement.The loan guarantee contract the borrower receive come into force when borrowing money, borrower or guarantor stop after repaying principal and interest.Its purpose of loan guarantee is mainly that bank makes loans, the issuable credit risk of Corporate finance in order to share.The present invention can be applied to the loan guarantee business and take precautions against the control credit risk, is specifically described below in conjunction with embodiment 3.

XX bank provides the loan of 5,000,000 yuan to BB feed company, according to the agreement in " loan agreement ": the zero-time that comes into force of loan agreement is on May 5th, 2012, the first repayment period of BB feed company is on June 5th, 2012, BB feed company regularly refunded 250,000 yuan to XX bank in 5 days of every month, and one is divided into the also complete whole principal and interest of 24 phases.CC guarantee corporation tenders guarantee for this loan of 5,000,000 yuan, according to " loan guarantee contract ": if BB feed company exceeds the time limit and surpasses 15 days and do not refund to XX bank on schedule, CC guarantee corporation is responsible for refunding to XX bank for BB feed company, and CC guarantee corporation has the right to demand CC guarantee corporation to BB feed company and repays the fund of XX bank for BB feed company.CC guarantee corporation is as the risk control side of these 5,000,000 yuan of loans, BB feed company is subjected to prosecutor as the risk of these 5,000,000 yuan of loans, use the present invention to take precautions against to control credit risk and comprise: afterwards step (c) of afterwards step (b1) of step (a), step (a), step (b1), step (a) be step (b3) afterwards, as shown in Figure 1.

Step (a): CC guarantee corporation requires BB feed company that at least one telephone number (N) is provided.

Described step (a) comprises that further CC guarantee corporation obtains Special Empower by such mode, the power of attorney that CC guarantee corporation requires BB feed company to provide to have telephone number (N) user to sign/affix one's seal and agree, the authorized content of described power of attorney comprises: (1) CC guarantee corporation has the right to change the original voice suggestion of telephone number (N) or/and original ring-back tone is the advertised information relevant to BB feed company violation of agreement; (2) CC guarantee corporation has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and CC guarantee corporation has the right to send the advertised information relevant to BB feed company violation of agreement according to any third-party telephone number (M) that records in described message registration.A kind of easy embodiment, CC guarantee corporation BB feed company can be provided above-mentioned power of attorney as CC guarantee corporation with meaning these 5,000,000 yuan of preconditions that loan is tendered guarantee of BB feed company.

in case make BB feed company clearly know credibility loss and other adverse effects that promise breaking may cause by above-mentioned power of attorney, impel like this BB feed company to sign " loan agreement " front with XX bank, and signing " loan guarantee contract " front ability of paying back of assessing more carefully self with CC guarantee corporation, fulfil more timely the obligation of refunding after signing " loan agreement " and " loan guarantee contract ", effectively take precautions against and suppress the subject intent promise breaking of BB feed company, reduce thus CC guarantee corporation and be these 5,000,000 yuan of credit risks that loan is tendered guarantee and born.

CC guarantee corporation requires the telephone number (N) that BB feed company provides will comprise at least: the legal representative's of BB feed company telephone number, the legal representative's of BB feed company spouse's telephone number, the legal representative's of BB feed company father and mother's telephone number, the shareholder's of BB feed company telephone number, the shareholder's of BB feed company spouse's telephone number, the shareholder's of BB feed company father and mother's telephone number, the financial administrator's of BB feed company telephone number, the office worker's of BB feed company telephone number, the telephone number of BB feed company, BB feed company participates in the telephone number of holding affiliated enterprise by shares, BB feed shareholder participates in the telephone number of holding affiliated enterprise by shares, the supplier's of BB feed company telephone number, the client's of BB feed company telephone number one of them.Telephone number (N) can be accepted type and comprise: telephone number corresponding to telephone number, landline telephone that mobile phone (mobile phone, Personal Handyphone System) is corresponding.CC guarantee corporation uses these telephone numbers (N) more, more can effectively take precautions against and suppress the subject intent promise breaking of BB feed company, more can effectively control the credit risk diffusion of BB feed company, reduces thus the credit risk that CC guarantee corporation bears.

Described step (a) further comprises: CC guarantee corporation requires the telephone number (N) that described BB feed company provides to carry out the real name registration with user's title at the telecom operators place, can verify so whether telephone number (N) meets the requirement of CC guarantee corporation, guarantee to use telephone number (N) to take precautions against the validity of controlling credit risk.

Described step (a) further comprises: CC guarantee corporation requires telephone number (N) that BB feed company provides to use over 12 months from certainly enabling.The service time of telephone number (N) is longer, the any third party who knows telephone number (N) is more, more being conducive to CC guarantee corporation takes precautions against and suppresses the subject intent promise breaking of BB feed company, more be conducive to the credit risk diffusion that CC guarantee corporation controls BB feed company, reduce thus the credit risk that CC guarantee corporation bears.

Step (a) step (b1) afterwards: after BB feed company breaks a contract, CC guarantee corporation changes the original voice suggestion of telephone number (N) that BB feed company provides or/and original ring-back tone is new voice suggestion, reports the advertised information relevant to BB feed company violation of agreement by described new voice suggestion to any third party of dial phone number (N).

(2) voice suggestion reported when being in off-mode of telephone number (N), typically for example " you are good! The phone that you dial shuts down.Sorry！The subscriber you dialed i s power off.”

(5) telephone number (N) is in the voice suggestion of reporting when being provided with the incoming call restriction, and is typically for example " sorry! The user that you dial has arranged the incoming call restriction.Sorry！The subscri ber you dialed has set barring of incoming calls.”

Come description of step (b1) with situation more specifically.when BB feed company do not refund according to the directed XX of the pact bank of " loan agreement " break a contract after, compensatory obligation has been fulfiled according to " loan guarantee contract " by CC guarantee corporation, CC guarantee corporation for example changes the new voice suggestion used in step (b1): " indicating risk, BB feed company obtains 5,000,000 yuan of loans on May 5th, 2012 from XX bank, the BB feed company amount of money that exceeded the time limit on June 5th, 2013 is 250,000 yuan, the BB feed company accumulative total number of days that exceeds the time limit is 17 days, CC guarantee corporation repays to XX bank 250,000 yuan of the amount of money of exceeding the time limit for BB feed company as the guarantor of this loan, CC guarantee corporation and XX bank are common at present is the obligee of BB feed company, the current total debt of BB feed company is 2,500,000 yuan, the telephone number of BB feed company is 028555566, the telephone number of CC guarantee corporation is 028777788, announcement hereby."; Described new voice suggestion is for example: " indicating risk; BB feed company obtains 5,000,000 yuan of loans on May 5th, 2012 from XX bank; CC guarantee corporation repays to XX bank 250,000 yuan of the amount of money of exceeding the time limit for BB feed company as the guarantor of this loan; refuse to fulfill the violations of the obligation of refunding in view of BB feed company; CC guarantee corporation litigates to law court at present; the telephone number of BB feed company is 028555566, the telephone number of CC guarantee corporation is 028777788, hereby announcement." advertised information relevant to BB feed company violation of agreement reported according to described new voice suggestion of any third party of dial phone number (N); can assess judgement and BB feed company and carry out the credit risk that transaction with credit may exist, and the telephone number that can dial the telephone number of BB feed company and CC guarantee corporation is solved the authenticity of this advertised information.Step (b1) has possessed CC guarantee corporation to control the ability of the credit risk diffusion of BB feed company, avoids thus the BB feed company credit of excessively overdrawing to cause the credit risk that CC guarantee corporation bears to increase.

Step (b1) step (c) afterwards: after violations are revised by BB feed company, CC guarantee corporation cancels in step (b1) and to change the new voice suggestion of using, and stops reporting the advertised information relevant to BB feed company violation of agreement by described new voice suggestion; Perhaps, after the termination of contract that the promise breaking of BB feed company relates to, CC guarantee corporation cancels and change the new voice suggestion of using in step (b1), stops by the described new voice suggestion report advertised information relevant to BB feed company violation of agreement.

Come description of step (c) with situation more specifically.For example, BB feed company repays for reducing credibility loss 250,000 yuan of the amount of money of exceeding the time limit on June 28th, 2013 to CC guarantee corporation, and promise to undertake to CC guarantee corporation and be ready to continue by approximately fulfiling the obligation of refunding, be that violations have been revised by BB feed company, CC guarantee corporation cancels and change the new voice suggestion of using in step (b1), stops reporting the advertised information relevant to BB feed company violation of agreement by described new voice suggestion; Again for example, BB feed company is for reducing credibility loss on June 29th, 2013 to CC guarantee corporation and XX bank repays all 2,500,000 yuan of current total debts, active termination " loan agreement " signed with XX bank and " the loan guarantee contract " signed with CC guarantee corporation, CC guarantee corporation cancels and change the new voice suggestion of using in step (b1), stops reporting the advertised information relevant to BB feed company violation of agreement by described new voice suggestion.In brief, step (c) reduces negative effect to BB feed company reputation by cancelling in step (b1) the new voice suggestion of changing use, impel the company's active correction violations of BB feed or active termination contract, realize that thus CC guarantee corporation controls the purpose of credit risk.

Step (a) step (b3) afterwards: after BB feed company breaks a contract, the corresponding message registration of telephone number (N) that CC guarantee corporation provides to inquiry BB feed company of telecom operators, CC guarantee corporation sends note according to any third-party telephone number (M) that records in described message registration, makes any third party receive the advertised information relevant to BB feed company violation of agreement by described note.CC guarantee corporation uses these telephone numbers (M) more, more can effectively control the credit risk diffusion of BB feed company.

Come description of step (b3) with situation more specifically.when BB feed company do not refund according to the directed XX of the pact bank of " loan agreement " break a contract after, compensatory obligation has been fulfiled according to " loan guarantee contract " by CC guarantee corporation, CC guarantee corporation sends note according to described any third-party telephone number (M), described note is for example: " indicating risk, BB feed company obtains 5,000,000 yuan of loans on May 5th, 2012 from XX bank, the BB feed company amount of money that exceeded the time limit on June 5th, 2013 is 250,000 yuan, the BB feed company accumulative total number of days that exceeds the time limit is 17 days, CC guarantee corporation repays to XX bank 250,000 yuan of the amount of money of exceeding the time limit for BB feed company as the guarantor of this loan, CC guarantee corporation and XX bank are common at present is the obligee of BB feed company, the current total debt of BB feed company is 2,500,000 yuan, the telephone number of BB feed company is 028555566, the telephone number of CC guarantee corporation is 028777788, announcement hereby."; Described note is again for example: " indicating risk; BB feed company obtains 5,000,000 yuan of loans on May 5th, 2012 from XX bank; CC guarantee corporation repays to XX bank 250,000 yuan of the amount of money of exceeding the time limit for BB feed company as the guarantor of this loan; refuse to fulfill the violations of the obligation of refunding in view of BB feed company; CC guarantee corporation litigates to law court at present; the telephone number of BB feed company is that the telephone number of 028555566, CC guarantee corporation is 028777788, announcement hereby." arbitrarily the third party receive the advertised information relevant to BB feed company violation of agreement according to described note; can assess judgement and BB feed company and carry out the credit risk that transaction with credit may exist, and the telephone number that can dial the telephone number of BB feed company and CC guarantee corporation is solved the authenticity of this advertised information.Step (b3) has possessed CC guarantee corporation to control the ability of the credit risk diffusion of BB feed company, avoids thus the BB feed company credit of excessively overdrawing to cause the credit risk that CC guarantee corporation bears to increase.

Step (b3) is further preferred, and described any third-party telephone number (M) will comprise at least: the office worker's of the shareholder's of the client's of the supplier's of BB feed company telephone number, BB feed company telephone number, BB feed company telephone number, BB feed company telephone number, BB feed company participate in by shares the telephone number of holding affiliated enterprise, telephone number that BB feed shareholder participates in holding affiliated enterprise by shares one of them.These telephone numbers (M) generally can be presented in the corresponding message registration of telephone number (N), CC guarantee corporation also can be to requiring before BB feed company offers loans BB feed company that these telephone numbers (M) are provided, CC guarantee corporation uses these telephone numbers (M) more, more can effectively control the credit risk diffusion of BB feed company, avoid thus the BB feed company credit of excessively overdrawing to cause the credit risk that CC guarantee corporation bears to increase.

Embodiment 4:

Financing lease claims again financial lease or financial lease, refers to that the lessor according to the selection of lessee to supplier and lease subject matter, buys the lease subject matter by the lessor to the supplier, then rents the lessee and uses.Carrying out the principal risk that the financing lease business faces is credit risk, and the present invention can be applied to the financing lease business and take precautions against and control credit risk, illustrates below in conjunction with embodiment 4.

DD lease finance company provides the financing lease service to EE road and bridge company, according to the agreement in " contracts for financial lease ": DD lease finance company buys 1 excavator that is worth 2,200,000 yuan according to the model of EE road and bridge company appointment, DD lease finance company is leased to EE road and bridge company with this excavator, " contracts for financial lease " zero-time that comes into force is on Dec 3rd, 2012, the first rent time of payment of EE road and bridge company is on January 3rd, 2013, EE road and bridge company is in 3 days of every month regularly to DD lease finance company payment or rent 70,000, EE road and bridge company continuously on schedule after full-amount 36 phases of payment or rent this excavator return EE road and bridge company all, if EE road and bridge company premature termination " contracts for financial lease " needs to 100,000 yuan of DD lease finance company payment of breach of contract damages.DD lease finance company is as the risk control side of current financing lease service, EE road and bridge company is subjected to prosecutor as the risk of current financing lease service, use the present invention to take precautions against to control credit risk and comprise: afterwards step (c) of afterwards step (b2) of step (a), step (a), step (b2), step (a) be step (b3) afterwards, as shown in Figure 2.

Step (a): DD lease finance company requires EE road and bridge company that at least one telephone number (N) is provided.

Described step (a) comprises that further DD lease finance company obtains Special Empower by such mode, DD lease finance company provides contract specification to EE road and bridge company, and the agreement content that DD lease finance company arranges in described contract specification comprises: (1) DD lease finance company has the right in the original voice suggestion of telephone number (N) or/and add the advertised information relevant to EE road and bridge company violation of agreement before original ring-back tone; (2) DD lease finance company has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and DD lease finance company has the right to send the advertised information relevant to EE road and bridge company violation of agreement according to any third-party telephone number (M) that records in described message registration.EE road and bridge company signs/affixes one's seal on described contract specification, agrees: (1) DD lease finance company has the right in the original voice suggestion of telephone number (N) or/and add the advertised information relevant to EE road and bridge company violation of agreement before original ring-back tone; (2) DD lease finance company has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and DD lease finance company has the right to send the advertised information relevant to EE road and bridge company violation of agreement according to any third-party telephone number (M) that records in described message registration.A kind of easy embodiment, DD lease finance company can add these agreement contents to and jointly in " contracts for financial lease " consists of the said contract file.

In case make EE road and bridge company clearly know credibility loss and other adverse effects that promise breaking may cause by the said contract file, impel like this EE road and bridge company signing " contracts for financial lease " front paying ability of assessing more carefully self with DD lease finance company, fulfil more timely the obligation of payment or rent after signing " contracts for financial lease ", effectively take precautions against and suppress the subject intent promise breaking of EE road and bridge company, reducing thus DD lease finance company provides the financing lease credit risk that service is born for EE road and bridge company.

DD lease finance company requires the telephone number (N) that EE road and bridge company provides will comprise at least: the legal representative's of EE road and bridge company telephone number, the legal representative's of EE road and bridge company spouse's telephone number, the legal representative's of EE road and bridge company father and mother's telephone number, the shareholder's of EE road and bridge company telephone number, the shareholder's of EE road and bridge company spouse's telephone number, the shareholder's of EE road and bridge company father and mother's telephone number, the financial administrator's of EE road and bridge company telephone number, the office worker's of EE road and bridge company telephone number, the telephone number of EE road and bridge company, the guarantor's of EE road and bridge company telephone number, EE road and bridge company participates in the telephone number of holding affiliated enterprise by shares, EE road and bridge shareholder participates in the telephone number of holding affiliated enterprise by shares, the supplier's of EE road and bridge company telephone number, the client's of EE road and bridge company telephone number one of them.Telephone number (N) can be accepted type and comprise: telephone number corresponding to telephone number, landline telephone that mobile phone (mobile phone, Personal Handyphone System) is corresponding.DD lease finance company uses these telephone numbers (N) more, more can effectively take precautions against and suppress the subject intent promise breaking of EE road and bridge company, more can effectively control the credit risk diffusion of EE road and bridge company, reduces thus the credit risk that DD lease finance company bears.

Described step (a) further comprises: DD lease finance company requires the telephone number (N) that described EE road and bridge company provides to carry out the real name registration with user's title at the telecom operators place, can verify so whether telephone number (N) meets the requirement of DD lease finance company, guarantee to use telephone number (N) to take precautions against the validity of controlling credit risk.

Described step (a) further comprises: DD lease finance company requires telephone number (N) that EE road and bridge company provides to use over 12 months from certainly enabling.The service time of telephone number (N) is longer, the any third party who knows telephone number (N) is more, more being conducive to DD lease finance company takes precautions against and suppresses the subject intent promise breaking of EE road and bridge company, more be conducive to the credit risk diffusion that DD lease finance company controls EE road and bridge company, reduce thus the credit risk that DD lease finance company bears.

Step (a) step (b2) afterwards: after EE road and bridge company breaks a contract, DD lease finance company adds new voice suggestion to the original voice suggestion of telephone number (N) that EE road and bridge company provides or/and before original ring-back tone, reports the advertised information relevant to EE road and bridge company violation of agreement by described new voice suggestion to any third party of dial phone number (N).

(5) telephone number (N) is in the voice suggestion of reporting when being provided with the incoming call restriction, and is typically for example " sorry! The user that you dial has arranged the incoming call restriction.Sorry！The subscriber you dialedhas set barring of incoming calls.”

Come description of step (b2) with situation more specifically.after EE road and bridge company does not break a contract according to the directed DD of the pact lease finance company payment or rent of " contracts for financial lease ", DD lease finance company for example adds the new voice suggestion used in step (b2): " indicating risk, EE road and bridge company obtains an excavator that is worth 2,200,000 yuan on Dec 3rd, 2012 from DD lease finance company by financing lease, the EE road and bridge company amount of money that exceeded the time limit on September 3rd, 2013 is 70,000 yuan, the EE road and bridge company amount of money that exceeded the time limit on October 3rd, 2013 is 70,000 yuan, the EE road and bridge company amount of money that exceeded the time limit on November 3rd, 2013 is 70,000 yuan, the EE road and bridge company accumulative total number of times that exceeds the time limit is 3 times, the EE road and bridge company accumulative total number of days that exceeds the time limit is 94 days, the current total debt of EE road and bridge company is 210,000 yuan, the telephone number of EE road and bridge company is 028787878, the telephone number of DD lease finance company is 028232323, announcement hereby."; Described new voice suggestion is again for example: " indicating risk; EE road and bridge company obtains the excavator that be worth 220 ten thousand yuan by financing lease from DD lease finance company on Dec 3rd, 2012; EE road and bridge company was in arrears with DD lease finance company rent in continuous three months and amounts to 210,000 yuan; in view of the violations of the long-term arrear rent of EE road and bridge company; DD lease finance company has implemented long-range lock machine to this excavator; the telephone number of EE road and bridge company is 028787878, the telephone number of DD lease finance company is 028232323, hereby announcement." advertised information relevant to EE road and bridge company violation of agreement reported according to described new voice suggestion of any third party of dial phone number (N); can assess judgement and EE road and bridge company and carry out the credit risk that transaction with credit may exist, and the telephone number that can dial the telephone number of EE road and bridge company and DD lease finance company is solved the authenticity of this advertised information.Step (b2) has possessed DD lease finance company to control the ability of the credit risk diffusion of EE road and bridge company, avoids thus the EE road and bridge company credit of excessively overdrawing to cause the credit risk that DD lease finance company bears to increase.

Step (b2) step (c) afterwards: after violations are revised by EE road and bridge company, DD lease finance company cancels in step (b2) and to add the new voice suggestion of using, and stops reporting the advertised information relevant to EE road and bridge company violation of agreement by described new voice suggestion; Perhaps, after the termination of contract that the promise breaking of EE road and bridge company relates to, DD lease finance company cancels in step (b2) and to add the new voice suggestion of using, and stops reporting the advertised information relevant to EE road and bridge company violation of agreement by described new voice suggestion.

Come description of step (c) with situation more specifically.For example, EE road and bridge company is for reducing credibility loss on November 8th, 2013 to 210,000 yuan of the current total debts of DD lease finance company's repayment, and promise to undertake to DD lease finance company and be ready to continue to fulfil " contracts for financial lease ", be that violations have been revised by EE road and bridge company, DD lease finance company cancels and add the new voice suggestion of using in step (b2), stops reporting the advertised information relevant to EE road and bridge company violation of agreement by described new voice suggestion; Again for example, EE road and bridge company is for reducing credibility loss on November 10th, 2013 to 210,000 yuan of the current total debts of DD lease finance company's repayment, and to 100,000 yuan of DD lease finance company payment of breach of contract damages, active termination " contracts for financial lease " signed with DD lease finance company, DD lease finance company cancels and add the new voice suggestion of using in step (b2), stops reporting the advertised information relevant to EE road and bridge company violation of agreement by described new voice suggestion.In brief, step (c) reduces negative effect to EE road and bridge company reputation by cancelling in step (b2) the new voice suggestion of adding use, impel EE road and bridge company active correction violations or active termination contract, realize that thus DD lease finance company controls the purpose of credit risk.

Step (a) step (b3) afterwards: after EE road and bridge company breaks a contract, the corresponding message registration of telephone number (N) that DD lease finance company provides to inquiry EE road and bridge company of telecom operators, DD lease finance company sends note according to any third-party telephone number (M) that records in described message registration, makes any third party receive the advertised information relevant to EE road and bridge company violation of agreement by described note.DD lease finance company uses these telephone numbers (M) more, more can effectively control the credit risk diffusion of EE road and bridge company.

Come description of step (b3) with situation more specifically.after EE road and bridge company does not break a contract according to the directed DD of the pact lease finance company payment or rent of " contracts for financial lease ", DD lease finance company sends note according to described any third-party telephone number (M), described note is for example: indicating risk, EE road and bridge company obtains an excavator that is worth 2,200,000 yuan on Dec 3rd, 2012 from DD lease finance company by financing lease, the EE road and bridge company amount of money that exceeded the time limit on September 3rd, 2013 is 70,000 yuan, the EE road and bridge company amount of money that exceeded the time limit on October 3rd, 2013 is 70,000 yuan, the EE road and bridge company amount of money that exceeded the time limit on November 3rd, 2013 is 70,000 yuan, the EE road and bridge company accumulative total number of times that exceeds the time limit is 3 times, the EE road and bridge company accumulative total number of days that exceeds the time limit is 94 days, the current total debt of EE road and bridge company is 210,000 yuan, the telephone number of EE road and bridge company is 028787878, the telephone number of DD lease finance company is 028232323, announcement hereby."; Described note is again for example: " indicating risk; EE road and bridge company obtains the excavator that be worth 220 ten thousand yuan by financing lease from DD lease finance company on Dec 3rd, 2012; EE road and bridge company was in arrears with the DD financing machine company's rent of renting in continuous three months and amounts to 210,000 yuan; in view of the violations of the long-term arrear rent of EE road and bridge company; the DD financing machine company of renting has implemented long-range lock machine to this excavator; the telephone number of EE road and bridge company is 028787878, the telephone number of DD lease finance company is 028232323, hereby announcement." arbitrarily the third party receive the advertised information relevant to EE road and bridge company violation of agreement according to described note; can assess judgement and EE road and bridge company and carry out the credit risk that transaction with credit may exist, and the telephone number that can dial the telephone number of EE road and bridge company and DD lease finance company is solved the authenticity of this advertised information.Step (b3) has possessed DD lease finance company to control the ability of the credit risk diffusion of EE road and bridge company, avoids thus the EE road and bridge company credit of excessively overdrawing to cause the credit risk that DD lease finance company bears to increase.

Step (b3) is further preferred, and described any third-party telephone number (M) will comprise at least: the office worker's of the shareholder's of the client's of the supplier's of EE road and bridge company telephone number, EE road and bridge company telephone number, EE road and bridge company telephone number, EE road and bridge company telephone number, EE road and bridge company participate in by shares the telephone number of holding affiliated enterprise, telephone number that EE road and bridge shareholder participates in holding affiliated enterprise by shares one of them.These telephone numbers (M) generally can be presented in the corresponding message registration of telephone number (N), DD lease finance company also can require EE road and bridge company that these telephone numbers (M) are provided before the financing lease service is provided to EE road and bridge company, DD lease finance company uses these telephone numbers (M) more, more can effectively control the credit risk diffusion of EE road and bridge company, avoid thus the EE road and bridge company credit of excessively overdrawing to cause the credit risk that DD lease finance company bears to increase.

Embodiment 5:

Selling on credit is that after the seller and the buyer signed purchase agreement, the seller allowed the buyer take goods away take the sale of credit as the basis, and the buyer pays off the process of payment for goods in fixed date payment or monthly payment plan form according to agreement.Sell a kind of form that is to provide in fact credit on credit, the principal risk that seller's tally shop is faced is credit risk, and the present invention can be applied to tally shop and take precautions against the control credit risk, illustrates below in conjunction with embodiment 5.

FF engineering machinery company sells a truck mixer on credit to a nature person Zhang San, according to the agreement in " purchase order ": Zhang San by serial mode to FF engineering machinery company total payment be 2,400,000 yuan purchase the car money, Zhang San's the first time of payment is on February 2nd, 2013, Zhang San is in 2 days of every month regularly to 400,000 yuan of FF engineering machinery company payments, and Zhang San was divided into for six phases and has paid whole 2,400,000 yuan and purchase the car money.FF engineering machinery company sells the risk control side of truck mixer on credit as this, Zhang San is subjected to prosecutor as this risk of selling truck mixer on credit, use the present invention to take precautions against to control credit risk and comprise: afterwards step (c) of afterwards step (b2) of step (a), step (a), step (b2), step (a) be step (b3) afterwards, as shown in Figure 2.

Step (a): the FF engineering machinery requirement Zhang San of company provide at least one telephone number (N).

Described step (a) comprises that further FF engineering machinery company obtains Special Empower by such mode, FF engineering machinery company provides power of attorney to Zhang San, and the authorized content that FF engineering machinery company arranges in described power of attorney comprises: (1) FF engineering machinery company has the right in the original voice suggestion of telephone number (N) or/and add the advertised information relevant to Zhang San's violation of agreement before original ring-back tone; (2) FF engineering machinery company has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and FF engineering machinery company has the right to send the advertised information relevant to Zhang San's violation of agreement according to any third-party telephone number (M) that records in described message registration.Zhang San signs/affixes one's seal on described power of attorney, agrees: (1) FF engineering machinery company has the right in the original voice suggestion of telephone number (N) or/and add the advertised information relevant to Zhang San's violation of agreement before original ring-back tone; (2) FF engineering machinery company has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and FF engineering machinery company has the right to send the advertised information relevant to Zhang San's violation of agreement according to any third-party telephone number (M) that records in described message registration.A kind of easy embodiment, Zhang San can agree that above-mentioned authorized content agrees that as FF engineering machinery company Zhang San buys the precondition of this truck mixer in serial mode in FF engineering machinery company.

In case make Zhang San clearly know credibility loss and other adverse effects that promise breaking may cause by above-mentioned power of attorney, impel like this Zhang San signing " purchase order " front ability of paying back of assessing more carefully self with FF engineering machinery company, after signing " purchase order ", Zhang San fulfils more timely the obligation of refunding, effectively take precautions against and suppress the promise breaking of Zhang San's subject intent, reduce thus FF engineering machinery company and sell the credit risk that this truck mixer is born on credit.

FF engineering machinery company requires the telephone number (N) that Zhang San provides will comprise at least: Zhang San's telephone number, Zhang San's spouse's telephone number, Zhang San's father and mother's telephone number, Zhang San's colleague's telephone number, Zhang San's classmate's telephone number, Zhang San's guarantor's telephone number wherein it.Telephone number (N) acceptable type comprises: telephone number corresponding to telephone number, landline telephone that mobile phone (mobile phone, Personal Handyphone System) is corresponding.FF engineering machinery company uses these telephone numbers (N) more, more can effectively take precautions against and suppress the promise breaking of Zhang San's subject intent, more can effectively control Zhang San's credit risk diffusion, reduces thus the credit risk that FF engineering machinery company bears.

Described step (a) further comprises: the telephone number (N) that the described Zhang San of FF engineering machinery company's requirement provides carried out the real name registration with user's title at the telecom operators place, can verify so whether telephone number (N) meets the requirement of FF engineering machinery company, guarantee to use telephone number (N) to take precautions against the validity of controlling credit risk.

Described step (a) further comprises: use over 12 months from the telephone number (N) that the FF engineering machinery requirement Zhang San of company provides is enabled certainly.The service time of telephone number (N) is longer, the any third party who knows telephone number (N) is more, more be conducive to the promise breaking of the FF engineering machinery strick precaution inhibition Zhang San of company subject intent, more be conducive to the credit risk diffusion that FF engineering machinery company controls Zhang San, reduce thus the credit risk that FF engineering machinery company bears.

Step (a) step (b2) afterwards: after Zhang San breaks a contract, FF engineering machinery company adds new voice suggestion to the original voice suggestion of telephone number (N) that Zhang San provides or/and before original ring-back tone, reports the advertised information relevant to Zhang San's violation of agreement by described new voice suggestion to any third party of dial phone number (N).

Come description of step (b2) with situation more specifically.after Zhang San does not prop up re-purchase car money according to " purchase order " to FF engineering machinery company and breaks a contract, FF engineering machinery company for example adds the new voice suggestion used in step (b2): " indicating risk, Zhang San is the truck mixer of 2,400,000 yuan from value of FF engineering machinery company's purchase by serial mode, Zhang San's amount of money that exceeded the time limit on May 2nd, 2013 is 400,000 yuan, Zhang San's amount of money that exceeded the time limit on June 2nd, 2013 is 400,000 yuan, the Zhang San accumulative total amount of money that exceeds the time limit is 800,000 yuan, the current total debt of Zhang San is 1,200,000 yuan, the Zhang San accumulative total number of days that exceeds the time limit is 65 days, be in arrears with for a long time the violations of purchasing the car money in view of Zhang San, FF engineering machinery company has implemented long-range lock machine to this truck mixer, Zhang San's telephone number is 13889988888, the telephone number of FF engineering machinery company is 028888688, announcement hereby." advertised information relevant to Zhang San's violation of agreement reported according to described new voice suggestion of any third party of dial phone number (N); can assess judgement and Zhang San and carry out the credit risk that transaction with credit may exist, and the telephone number that can dial Zhang San's telephone number and FF engineering machinery company is solved the authenticity of this advertised information.The ability of the credit risk diffusion that step (b2) has possessed FF engineering machinery company to control Zhang San avoids Zhang San's credit of excessively overdrawing to cause the credit risk that FF engineering machinery company bears to increase thus.

Step (b2) step (c) afterwards: after Zhang San revises violations, FF engineering machinery company cancels and add the new voice suggestion of using in step (b2), stops by the described new voice suggestion report advertised information relevant to Zhang San's violation of agreement; Perhaps, after the termination of contract that Zhang San promise breaking relates to, FF engineering machinery company cancels the new voice suggestion of adding use in step (b2), stops by the described new voice suggestion report advertised information relevant to Zhang San's violation of agreement.

Come description of step (c) with situation more specifically.For example, Zhang San repays exceed the time limit 800,000 yuan of the amount of money of accumulative total for reducing credibility loss on June 10th, 2013 to FF engineering machinery company, be that Zhang San has revised violations, FF engineering machinery company cancels and add the new voice suggestion of using in step (b2), stops by the described new voice suggestion report advertised information relevant to Zhang San's violation of agreement; Again for example, Zhang San is for reducing credibility loss on June 11st, 2013 to 1,200,000 yuan of the current total debts of FF engineering machinery company's repayment, Zhang San's active termination " purchase order ", FF engineering machinery company cancels and add the new voice suggestion of using in step (b2), stops by the described new voice suggestion report advertised information relevant to Zhang San's violation of agreement.In brief, step (c) mainly reduces negative effect to Zhang San's prestige by cancelling in step (b2) the new voice suggestion of adding use, impel the violations of Zhang San's active correction or active termination contract, realize that thus FF engineering machinery company controls the purpose of credit risk.

Step (a) step (b3) afterwards: after Zhang San breaks a contract, the corresponding message registration of telephone number (N) that FF engineering machinery company provides to the inquiry Zhang San of telecom operators, FF engineering machinery company sends note according to any third-party telephone number (M) that records in described message registration, makes any third party receive the advertised information relevant to Zhang San's violation of agreement by described note.FF engineering machinery company uses these telephone numbers (M) more, more can effectively control Zhang San's credit risk diffusion.

Come description of step (b3) with situation more specifically.after Zhang San does not prop up re-purchase car money according to " purchase order " to FF engineering machinery company and breaks a contract, FF engineering machinery company sends note according to described any third-party telephone number (M), described note is for example: " indicating risk, Zhang San is the truck mixer of 2,400,000 yuan from value of FF engineering machinery company's purchase by serial mode, Zhang San's amount of money that exceeded the time limit on May 2nd, 2013 is 400,000 yuan, Zhang San's amount of money that exceeded the time limit on June 2nd, 2013 is 400,000 yuan, the Zhang San accumulative total amount of money that exceeds the time limit is 800,000 yuan, the current total debt of Zhang San is 1,200,000 yuan, the Zhang San accumulative total number of days that exceeds the time limit is 65 days, be in arrears with for a long time the violations of purchasing the car money in view of Zhang San, FF engineering machinery company has implemented long-range lock machine to this truck mixer, Zhang San's telephone number is 13889988888, the telephone number of FF engineering machinery company is 028888688, announcement hereby." arbitrarily the third party receive the advertised information relevant to Zhang San's violation of agreement according to described note; can assess judgement and Zhang San and carry out the credit risk that transaction with credit may exist, and the telephone number that can dial Zhang San's telephone number and FF engineering machinery company is solved the authenticity of this advertised information.The ability of the credit risk diffusion that step (b3) has possessed FF engineering machinery company to control Zhang San avoids Zhang San's credit of excessively overdrawing to cause the credit risk that FF engineering machinery company bears to increase thus.

Step (b3) is further preferred, and described any third-party telephone number (M) will comprise at least: Zhang San's relatives' telephone number, Zhang San's colleague's telephone number, Zhang San's classmate's telephone number, Zhang San be stored in own cell phone address book telephone number one of them.These telephone numbers (M) generally can be presented in the corresponding message registration of telephone number (N), FF engineering machinery company also can require Zhang San that these telephone numbers (M) are provided before Zhang San extracts this truck mixer, FF engineering machinery company uses these telephone numbers (M) more, more can effectively control Zhang San's credit risk diffusion, reduce thus the credit risk that FF engineering machinery company bears, avoid thus Zhang San's credit of excessively overdrawing to cause the credit risk that FF engineering machinery company bears to increase.

Embodiment 6:

Debt-credit between the nature person is a kind of common transaction with credit form, because can not arbitrarily inquiring about credit investigation system, the nature person obtains other people personal credit report, the nature person can not upload with the purpose credit investigation system counterparty's promise breaking information, so usually can not take precautions against the control credit risk with credit investigation system between the nature person when mutually borrowing or lending money.Credit investigation system does not gather the kind transaction with credit information between the nature person, so financial institution can't grasp the debt-credit situation between the nature person, credit standing that then can't accurate evaluation judgement nature person.Take precautions against when the present invention can be applied to borrow or lend money between the nature person and control credit risk, illustrate below in conjunction with embodiment 6.

Nature person Li Si uses a fund to nature person Zhang San, and according to the agreement of both sides in " loan contract ": borrowing balance is 500,000 yuan, and borrowing money day is on February 8th, 2012, and Li Si should repay 550,000 yuan of sum total of the principal plus interest to Zhang San on May 8th, 2012.Zhang San is as the risk control side of this loaning bill, Li Si is subjected to prosecutor as the risk of this loaning bill, use the present invention to take precautions against to control credit risk and comprise: afterwards step (c) of afterwards step (b2) of step (a), step (a), step (b2), step (a) be step (b3) afterwards, as shown in Figure 2.

Step (a): Zhang San requires Li Si that at least one telephone number (N) is provided.

Described step (a) comprises that further Zhang San obtains Special Empower by such mode, the power of attorney that Zhang San requires Li Si to provide to have telephone number (N) user to sign/affix one's seal and agree, the authorized content of described power of attorney comprises: (1) Zhang San has the right in the original voice suggestion of telephone number (N) or/and add the advertised information relevant to Li Si's violation of agreement before original ring-back tone; (2) Zhang San has the right to the corresponding message registration of telecom operators' enquiring telephone number (N), and Zhang San has the right to send the advertised information relevant to Li Si's violation of agreement according to any third-party telephone number (M) of record in described conversation heart record.A kind of easy embodiment, Zhang San can provide Li Si above-mentioned power of attorney to mean together as Zhang San the precondition that Li Si provides this loaning bill.

In case make Li Si clearly know credibility loss and other adverse effects that promise breaking may cause by above-mentioned power of attorney, impel like this Li Si signing " loan contract " front ability of paying back of assessing more carefully self with Zhang San, after signing " loan contract ", Li Si fulfils more timely the obligation of refunding, effectively take precautions against and suppress the promise breaking of Li Si's subject intent, reduce thus the credit risk that Zhang San provides this loaning bill to bear to Li Si.

Zhang San requires the telephone number (N) that Li Si provides will comprise at least: Li Si's telephone number, Li Si's spouse's telephone number, Li Si's father and mother's telephone number, Li Si's colleague's telephone number, Li Si's classmate's telephone number, Li Si's guarantor's telephone number one of them.Telephone number (N) acceptable type comprises: telephone number corresponding to telephone number, landline telephone that mobile phone (mobile phone, Personal Handyphone System) is corresponding.Zhang San uses these telephone numbers (N) more, more can effectively take precautions against and suppress the promise breaking of Li Si's subject intent, more can effectively control Li Si's credit risk diffusion, reduces thus the credit risk that Zhang San bears.

Described step (a) further comprises: Zhang San requires the telephone number (N) that Li Si provides to carry out the real name registration with user's title at the telecom operators place, can verify so whether telephone number (N) meets Zhang San's requirement, guarantee to use telephone number (N) to take precautions against the validity of controlling credit risk.

Described step (a) further comprises: Zhang San requires telephone number (N) that Li Si provides to use over 12 months from certainly enabling.The service time of telephone number (N) is longer, the any third party who knows telephone number (N) is more, more be conducive to Zhang San and take precautions against the promise breaking of inhibition Li Si subject intent, more be conducive to the credit risk diffusion that Zhang San controls Li Si, reduce thus the credit risk that Zhang San bears.

Step (a) step (b2) afterwards: after Li Si breaks a contract, Zhang San adds new voice suggestion to the original voice suggestion of telephone number (N) that Li Si provides or/and before original ring-back tone, reports the advertised information relevant to Li Si's violation of agreement by described new voice suggestion to any third party of dial phone number (N).

Come description of step (b2) with situation more specifically.After Li Si breaks a contract not paying off a loan according to " loan contract ", Zhang San for example adds the new voice suggestion used in step (b2): " indicating risk; Li Si borrows money 500,000 yuan on February 8th, 2012 to Zhang San; Li Si's amount of money that exceeded the time limit on May 8th, 2012 is 550,000 yuan; Li Si's accumulative total was exceeded the time limit 12 days, and the current total debt of Li Si is 550,000 yuan (containing principal and interest), and Li Si's telephone number is 13722222222; Zhang San's telephone number is 13889988888, hereby announcement." advertised information relevant to Li Si's violation of agreement reported according to described new voice suggestion of any third party of dial phone number (N); can assess judgement and Li Si and carry out the credit risk that transaction with credit may exist, and the telephone number that can dial Li Si's telephone number and Zhang San is solved the authenticity of this advertised information.The ability of the credit risk diffusion that step (b2) has possessed Zhang San to control Li Si avoids Li Si's credit of excessively overdrawing to cause the credit risk that Zhang San bears to increase thus.

Step (b2) step (c) afterwards: after Li Si revises violations, Zhang San cancels and add the new voice suggestion of using in step (b2), stops by the described new voice suggestion report advertised information relevant to Li Si's violation of agreement; Perhaps, after the termination of contract that Li Si's promise breaking relates to, Zhang San cancels and add the new voice suggestion of using in step (b2), stops by the described new voice suggestion report advertised information relevant to Li Si's violation of agreement.

Come description of step (c) with situation more specifically.For example, Li Si repays 100,000 yuan of Li Si's part debts for reducing credibility loss on May 26th, 2012 to Zhang San, and promise to undertake in remaining 450,000 yuan of 6 mouthfuls of repayments June in 2012 to Zhang San, be that Li Si has revised violations, Zhang San cancels and add the new voice suggestion of using in step (b2), stops by the described new voice suggestion report advertised information relevant to Li Si's violation of agreement; Again for example, Li Si repays current 550,000 yuan of the total debts of Li Si (containing principal and interest) for reducing credibility loss on May 26th, 2012 to Zhang San, Li Si's active termination and Zhang San between " loan contract ", Zhang San cancels and add the new voice suggestion of using in step (b2), stops by the described new voice suggestion report advertised information relevant to Li Si's violation of agreement.In brief, step (c) reduces negative effect to Li Si's prestige by cancelling in step (b2) the new voice suggestion of adding use, impel the violations of Li Si's active correction or active termination contract, realize that thus Zhang San controls the purpose of credit risk.

Step (a) step (b3) afterwards: after Li Si breaks a contract, the corresponding message registration of telephone number (N) that Zhang San provides to the inquiry Li Si of telecom operators, Zhang San sends note according to any third-party telephone number (M) that records in described message registration, makes any third party receive the advertised information relevant to Li Si's violation of agreement by described note.Zhang San uses these telephone numbers (M) more, more can effectively control Li Si's credit risk diffusion.

Come description of step (b3) with situation more specifically.After Li Si breaks a contract not paying off a loan according to " loan contract ", Zhang San sends note according to described any third-party telephone number (M), described note is for example: " indicating risk; Li Si borrows money 500,000 yuan on February 8th, 2012 to Zhang San; Li Si's amount of money that exceeded the time limit on May 8th, 2012 is 550,000 yuan; Li Si's accumulative total was exceeded the time limit 12 days; the current total debt of Li Si is 550,000 yuan (containing principal and interest); Li Si's telephone number is 13722222222, Zhang San's telephone number is 13889988888, hereby announcement." arbitrarily the third party receive the advertised information relevant to Li Si's violation of agreement according to described note; can assess judgement and Li Si and carry out the credit risk that transaction with credit may exist, and the telephone number that can dial Li Si's telephone number and Zhang San is solved the authenticity of this advertised information.The ability of the credit risk diffusion that step (b3) has possessed Zhang San to control Li Si avoids Li Si's credit of excessively overdrawing to cause the credit risk that Zhang San bears to increase thus.

Step (b3) is further preferred, and described any third-party telephone number (M) will comprise at least: Li Si's relatives' telephone number, Li Si's colleague's telephone number, Li Si's classmate's telephone number, Li Si be stored in own cell phone address book telephone number one of them.These telephone numbers (M) generally can be presented in the corresponding message registration of telephone number (N), Zhang San also can require Li Si that these telephone numbers (M) are provided before providing this loaning bill to Li Si, Zhang San uses these telephone numbers (M) more, more can effectively control Li Si's credit risk diffusion, avoid thus Li Si's credit of excessively overdrawing to cause the credit risk that Zhang San bears to increase.

The present invention can be applied to the various transactions relevant to credit, strengthen risk control side and take precautions against the ability of controlling credit risk, important decision references information is provided, can makes up the deficiency of credit investigation system aspect the credit risk prevention and control for arbitrarily third party and risk are subjected to prosecutor to carry out transaction with credit.

Above-described embodiment further describes purpose of the present invention, technical scheme and beneficial effect; institute is understood that; the above is only specific embodiments of the invention; the application that is not intended to limit the present invention and protection domain; within the spirit and principles in the present invention all; any modification of making, be equal to replacement, improvement etc., within protection scope of the present invention all should be included in.

Claims

1. one kind is used for taking precautions against the method for controlling credit risk, it is characterized in that, comprises step (a): risk control side requires risk to be subjected to prosecutor that at least one telephone number (N) is provided;

2. one kind is used for taking precautions against the method for controlling credit risk, it is characterized in that, comprises step (a): risk control side requires risk to be subjected to prosecutor that at least one telephone number (N) is provided;

3. as claimed in claim 2 for taking precautions against the method for controlling credit risk, it is characterized in that, comprise step (b1) step (c) afterwards: after risk is subjected to prosecutor correction violations, risk control side cancels and change the new voice suggestion of using in step (b1), stops being subjected to the relevant advertised information of prosecutor violation of agreement by described new voice suggestion report to risk; Perhaps, after risk was subjected to the termination of contract that prosecutor promise breaking relates to, risk control side cancelled the new voice suggestion of changing use in step (b1), stops being subjected to the relevant advertised information of prosecutor violation of agreement by described new voice suggestion report to risk.

4. one kind is used for taking precautions against the method for controlling credit risk, it is characterized in that, comprises step (a): risk control side requires risk to be subjected to prosecutor that at least one telephone number (N) is provided;

5. as claimed in claim 4 for taking precautions against the method for controlling credit risk, it is characterized in that, comprise step (b2) step (c) afterwards: after risk is subjected to prosecutor correction violations, risk control side cancels and add the new voice suggestion of using in step (b2), stops being subjected to the relevant advertised information of prosecutor violation of agreement by described new voice suggestion report to risk; Perhaps, after risk was subjected to the termination of contract that prosecutor promise breaking relates to, risk control side cancelled the new voice suggestion of adding use in step (b2), stops being subjected to the relevant advertised information of prosecutor violation of agreement by described new voice suggestion report to risk.

6. as claim 1 or 2 or 4 described methods for taking precautions against the control credit risk; it is characterized in that, described original voice suggestion will comprise at least: the voice suggestion that the voice suggestion that the voice suggestion that telephone number (N) is reported when being in talking state, telephone number (N) are reported when being in off-mode, telephone number (N) are reported when being in stopped status, the voice suggestion of reporting when telephone number (N) is in the out of reach state, telephone number (N) be in be provided with voice suggestion that incoming call when restriction report one of them.

7. as claim 1 or 2 or 4 described methods for taking precautions against the control credit risk, it is characterized in that, described original ring-back tone will comprise at least: the common ring-back tone that telephone number (N) is corresponding, telephone number (N) are corresponding open the Customized Ring Back Tone that uses after Ring Back Tone service one of them.

8. one kind is used for taking precautions against the method for controlling credit risk, it is characterized in that, comprises step (a): risk control side requires risk to be subjected to prosecutor that at least one telephone number (N) is provided;

9. one kind is used for taking precautions against the method for controlling credit risk, it is characterized in that, comprises step (a): risk control side requires risk to be subjected to prosecutor that at least one telephone number (N) is provided;

10. as claimed in claim 9 for taking precautions against the method for controlling credit risk, it is characterized in that, when risk was subjected to prosecutor to be enterprise, described any third-party telephone number (M) will comprise at least: the supplier's of this enterprise telephone number, the client's of this enterprise telephone number, the shareholder's of this enterprise telephone number, the office worker's of this enterprise telephone number, this enterprise participate in by shares the telephone number of holding affiliated enterprise, telephone number that the shareholder of this enterprise participates in holding affiliated enterprise by shares one of them; When risk was subjected to prosecutor to be the nature person, described any third-party telephone number (M) will comprise at least: this nature person's relatives' telephone number, this nature person's colleague's telephone number, this nature person's classmate's telephone number, this nature person be stored in own cell phone address book telephone number one of them.

11. as claim 1 or 2 or 4 or 8 or 9 described methods for taking precautions against the control credit risk, it is characterized in that, when risk is subjected to prosecutor to be enterprise, described risk will be comprised by the telephone number (N) that prosecutor provides at least: the legal representative's of this enterprise telephone number, the legal representative's of this enterprise spouse's telephone number, the legal representative's of this enterprise father and mother's telephone number, the shareholder's of this enterprise telephone number, the shareholder's of this enterprise spouse's telephone number, the shareholder's of this enterprise father and mother's telephone number, the financial administrator's of this enterprise telephone number, the office worker's of this enterprise telephone number, the telephone number of this enterprise, the guarantor's of this enterprise telephone number, this enterprise participates in the telephone number of holding affiliated enterprise by shares, the shareholder of this enterprise participates in the telephone number of holding affiliated enterprise by shares, the supplier's of this enterprise telephone number, the client's of this enterprise telephone number one of them, when risk was subjected to prosecutor to be the nature person, described risk will be comprised by the telephone number (N) that prosecutor provides at least: this nature person's telephone number, this nature person's spouse's telephone number, this nature person's father and mother's telephone number, this nature person's colleague's telephone number, this nature person's classmate's telephone number, this nature person's guarantor's telephone number one of them.

12. as claim 1 or 2 or 4 or 8 or 9 described methods for taking precautions against the control credit risk, it is characterized in that, described step (a) further comprises: risk control side requires described risk to be subjected to the telephone number (N) that prosecutor provides to carry out the real name registration with user's title at the telecom operators place.

13. as claim 1 or 2 or 4 or 8 or 9 described methods for taking precautions against the control credit risk, it is characterized in that, described step (a) further comprises: risk control side requires risk used over 12 months from certainly enabling by telephone number (N) that prosecutor provides.

14. as claim 1 or 2 or 4 or 8 or 9 described methods for taking precautions against the control credit risk, it is characterized in that, describedly comprised at least by the relevant advertised information of prosecutor violation of agreement to risk: the contract value that risk is related to by the prosecutor promise breaking, the execution of contract zero-time that risk is related to by the prosecutor promise breaking, risk is subjected to the current total debt of prosecutor, risk is subjected to prosecutor penalty for default volume, risk is exceeded the time limit the time by prosecutor, risk is subjected to prosecutor to add up to exceed the time limit the amount of money, risk is subjected to prosecutor to add up to exceed the time limit number of times, risk is subjected to prosecutor to add up to exceed the time limit number of days, risk is subjected to the title of prosecutor, risk is subjected to the telephone number of prosecutor, the title of risk control side, the telephone number of risk control side, the violations that the risk control policy is subjected to prosecutor to risk are Adopts measure, the risk control policy to risk be subjected to the violations of prosecutor be about to Adopts measure one of them.