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    • 4. 发明申请
    • Collateralized loan market systems and methods
    • 抵押贷款市场体系和方法
    • US20050065871A1
    • 2005-03-24
    • US10667459
    • 2003-09-23
    • Douglas GerhartJoanna LiczykDouglas Steiner
    • Douglas GerhartJoanna LiczykDouglas Steiner
    • G06Q30/00G06F17/60
    • G06Q30/02G06Q40/025
    • Systems, methods, and programs consistent with the present invention create a market for lenders and borrowers to negotiate, create, and service collateral-secured loans of differing structures. Embodiments consistent with the invention provide an automated framework for borrowers and lenders to create offers to borrow and/or lend a specified quantity of a specified asset for a specified term at a specified interest rate using a specified quantity of another specified fungible asset as collateral. Borrowers and lenders receive information on the loan market, such as the best offers to lend and the best offers to borrow, and can formulate their own offers accordingly. If an offer to lend and an offer to borrow are compatible, a loan transaction may be automatically initiated between the lender and borrower. Ongoing loan transactions may be automatically serviced throughout the loan's life according to the negotiated terms of the loan.
    • 与本发明一致的系统,方法和程序为贷款人和借款人创造了一个市场,以协商,创建和服务不同结构的抵押贷款。 与本发明一致的实施例为借款人和贷款人提供了一种自动化框架,用于使用指定数量的另一个指定的可替代资产作为抵押,以特定利率为指定期限提供借款和/或借出指定数量的指定资产。 借款人和贷款人收到有关贷款市场的信息,例如最优惠贷款和最佳借款优惠,并可自行制定相应的报价。 如果贷款要约和借款要约是兼容的,贷款人和借款人之间可能会自动启动贷款交易。 根据贷款协议的条款,可以在整个贷款期间自动提供持续的贷款交易。