CN105930951A - Internet real estate investment trust fund audit system - Google Patents
Internet real estate investment trust fund audit system Download PDFInfo
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- CN105930951A CN105930951A CN201610209457.2A CN201610209457A CN105930951A CN 105930951 A CN105930951 A CN 105930951A CN 201610209457 A CN201610209457 A CN 201610209457A CN 105930951 A CN105930951 A CN 105930951A
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- 238000012550 audit Methods 0.000 title claims abstract description 40
- 238000012795 verification Methods 0.000 claims description 49
- 230000007246 mechanism Effects 0.000 claims description 27
- 230000008520 organization Effects 0.000 claims description 14
- 238000000034 method Methods 0.000 claims description 8
- 230000008569 process Effects 0.000 claims description 8
- 230000008859 change Effects 0.000 claims description 4
- 238000007726 management method Methods 0.000 claims description 4
- 230000008450 motivation Effects 0.000 claims description 4
- 238000005206 flow analysis Methods 0.000 claims description 2
- 238000011161 development Methods 0.000 abstract description 4
- 239000003999 initiator Substances 0.000 abstract 1
- 238000013468 resource allocation Methods 0.000 abstract 1
- 238000012797 qualification Methods 0.000 description 5
- 238000012546 transfer Methods 0.000 description 5
- 238000010276 construction Methods 0.000 description 3
- 230000000694 effects Effects 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 238000004458 analytical method Methods 0.000 description 1
- 230000008901 benefit Effects 0.000 description 1
- 230000019771 cognition Effects 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
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- 229910052737 gold Inorganic materials 0.000 description 1
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- 238000012544 monitoring process Methods 0.000 description 1
- 230000006855 networking Effects 0.000 description 1
- 238000004806 packaging method and process Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/16—Real estate
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Abstract
The invention relates to an Internet real estate investment trust fund audit system. The objective of the invention is to solve the problem that investors do not sufficiently know the legitimacy, integrity and authenticity of the information of underlying assets and original originators since existing Internet real estate investment trust fund audit is weak. The system includes a first before-event business audit sub system, a second before-event business audit sub system, a third before-event business audit sub system, a fourth before-event business audit sub system, an in-event business audit sub system and an after-event business audit sub system. With the Internet real estate investment trust fund audit system adopted, the problem of the lack of professional audit of current Internet real estate investment trust fund platform products and the problem of asymmetry in investor and financer information can be solved, requirements for the professional judgment of the investors on underlying asset information can be satisfied, initiators and professional intermediaries can know the information of potential investors, resource allocation efficiency can be improved, and the stable and healthy development of the whole industry can be promoted.
Description
Technical field
The present invention relates to the Internet financial resources net application technology, be related specifically to a kind of the Internet real estate investment trust (REIT) auditing system.
Background technology
In recent years, the Internet financial product emerges in an endless stream, and has become the important component part of financial industry.But, due to the Internet financial product
Extra normal development, the swift and violent growth of the Internet financial platform, although be conducive to the Internet of country+policy guidance.But, we can also
Recognizing Rapid Expansion, the business audit system lacking professional ability defines numerous risk assets in the Internet financial industry, due to mutually clear-headedly
Networking financial platform internal control, examination & verification system lack of standardization, very different at the Internet financial product of online spending, have during shoddy phenomenon send out
Raw, common individual investor distinguishes knowledge due to shortage specialty, and the Internet financial product being often concealed packaging is confused, thus causes property
Loss.
The Internet real estate investment trust (REIT) auditing system of the present invention seeks to solve the non-standard of current internet financial product, randomness
Problem, by building of the Internet auditing system, to qualification, the credit of real estate investment trust (REIT) sponsor, that the condition of affairs is carried out is legal
Review of compliance, ownership relation and value thereof to underlying assets carry out verity, integrity, compliance examination & verification, to including assets manager
The Internet real estate investment trust (REIT) chain in intermediary and the qualification of stakeholder, credit, be engaged in project experiences in the past and examine
Core, to the guarantee fund in process of exchange, completes a business transaction compliance and audits, and audits with reality throwing the expection of consequent purpose.By in advance, in thing,
Setting up successive check afterwards, audit layer by layer, not only effectively to eliminate the information asymmetry between investor and factor and shareholder, Er Qietong
Cross the examination & verification aspect focusing on legal compliance, not only can effectively strengthen information when common investor does decision-making, thus form Pareto and change
Enter, optimize allocation of resources, and can effectively reduce moral hazard.In a word, by auditing system being introduced the Internet real estate investment trust (REIT)
Industry, can effectively strengthen the legal compliance construction of industry, the beneficially long-range sound development of the Internet real estate investment trust (REIT) industry.
Summary of the invention
Adulterate for solving existing the Internet financial product particularly the Internet real estate investment trust (REIT) product, sponsor, intermediary and throwing
The information asymmetry of money person, sponsor lacks professional ability and is difficult to underlying assets and follow-up project construction are contemplated that correct judgement, industry wind
Control, compliance construction are also in the present situation in department level stage, and the present invention proposes a kind of the Internet real estate investment trust (REIT) auditing system, this system bag
Include business audit system and business audit system afterwards in business audit system in advance, thing.Business audit system in advance include to underlying assets compliance,
Verity, integrity carry out the first subsystem differentiated, the second subsystem that Equity Investors credit status original to underlying assets differentiates, to special
Purpose mechanism, Zeng Xin mechanism, credit rating organization, by support mechanism, underwriter carries out the 3rd subsystem of rating organization, weighs future profits
Project carries out the four subsystems of cash flow analysis.In thing, business audit system includes that trading margin auditing system and the examination & verification of investor standing are
System.Business audit system afterwards includes underlying assets value change auditing system, basis usufruct Project Value dynamic examining system, special to including
Purpose mechanism, Zeng Xin mechanism, credit rating organization, by support mechanism, underwriter fulfils the duty situation dynamic examining system in interior intermediary.Examine in advance
First subsystem of core system includes that the examination & verification of compliance legal to underlying assets, the legal compliance of Equity Investors holding assets original to underlying assets are entered
Row examination & verification, transfers the possession of the examination & verification of the right of underlying assets, the examination & verification of the ownership relation of right every to underlying assets to original Equity Investors.Advance auditing system
Second subsystem of system includes the examination & verification that original power Equity Investors is held the underlying assets legal compliance of whole process, and original Equity Investors is transferred the possession of basis debt
The examination & verification of power motivation, the examination & verification to original Equity Investors credit standing, the examination & verification to the original Equity Investors condition of affairs.The 3rd of advance auditing system
Subsystem includes specific purposes mechanism, Zeng Xin mechanism, credit rating organization, by support mechanism, underwriter carry out rating organization credit standing,
Working project experiences, the examination & verification of the condition of affairs.The four subsystems of advance auditing system includes the examination & verification to project the industry, to project warp
The examination & verification of the credit status of battalion developer, the examination & verification to project finance situation, project is built up and audits expected from rear market, have after project is built up
Effect client and the examination & verification of effective level of profitability.
Accompanying drawing explanation
Accompanying drawing 1 is the structural representation of the Internet real estate investment trust (REIT) auditing system.
Detailed description of the invention
As shown in Figure 1, real estate investment trust (REIT) auditing system of the present invention, including advance auditing the first subsystem, advance auditing the second subsystem,
Advance auditing the 3rd subsystem, advance auditing four subsystems, in thing, auditing system includes that trading margin auditing system, the examination & verification of investor standing are
System, post audit system includes underlying assets value change auditing system, and basis usufruct Project Value dynamic examining system, to including specific purposes
Mechanism, Zeng Xin mechanism, credit rating organization, by support mechanism, underwriter fulfils the duty situation dynamic examining system.First subsystem of advance auditing system
Including the examination & verification of compliance legal to underlying assets, the legal compliance of Equity Investors holding assets original to underlying assets is audited, to original rights and interests
People transfers the possession of the examination & verification of the right of underlying assets, the examination & verification of the ownership relation of right every to underlying assets.Second subsystem of advance auditing system includes
Original power Equity Investors is held the examination & verification of the underlying assets legal compliance of whole process, original Equity Investors is transferred the possession of the examination & verification of basis credits motivation, to former
The examination & verification of beginning Equity Investors credit standing, the examination & verification to the original Equity Investors condition of affairs.3rd subsystem of advance auditing system includes special mesh
Mechanism, Zeng Xin mechanism, credit rating organization, by support mechanism, underwriter carry out rating organization credit standing, working project experiences, wealth
The examination & verification of business management state.The four subsystems of advance auditing system includes the examination & verification to project the industry, the certificate of good standing to project management developer
The examination & verification of condition, the examination & verification to project finance situation, project is built up and audits expected from rear market, effectively client and effectively profit after project is built up
The examination & verification of level.
The original Equity Investors of underlying assets initiates the real estate investment of underlying assets at real estate investment trust (REIT) resource integration system internet platform
Trust fund flow process, the legal compliance of underlying assets can be audited, be included but not limited to underlying assets by the advance auditing the first system of platform
Producing the ownership process before securitisation, underlying assets holder transfers the possession of the legal compliance of underlying assets, underlying assets existing ownership relation,
The rights and duties etc. of each side's main body after the ownership legal compliance of transfer, feasibility and transfer during real estate investment trust (REIT).Advance auditing
Second subsystem is specifically responsible for original Equity Investors standing, the examination of legal compliance, by the second subsystem, can go out original power with rapid identification
Every right that underlying assets is held and transferred the possession of by benefit people, thus judge that original Equity Investors initiates the most legal conjunction of real estate investment trust (REIT) flow process
Rule, with or without transferring the possession of the right of original asset, qualification that original Equity Investors is conventional and credit level, original Equity Investors sets up initiation real estate investment trust
The motivation of fund and purpose, the finance of original Equity Investors and management state.Advance auditing the 3rd subsystem can be to potential the Internet real estate investment letter
All kinds of service intermediary mechanisms of Torquay gold carry out qualification credit and audit, by agency service organization in the past with the examination & verification of type service performance
Analyze and judge this real estate investment trust (REIT) feasibility on operation link and complexity.In thing, auditing system is mainly completing basis
Assets, original Equity Investors, intermediary service agency's information prepare to buy the qualification letter of the investor of real estate investment trust (REIT) product on the basis of judging
With examination & verification, on the one hand this is because the real estate investment trust (REIT) product financial product that to be a structure complex, general common investor can
The investment of this product can be unsuitable for, be on the other hand also to increase the cognition to investor of original Equity Investors and intermediary, set such that it is able to significantly more efficient
The risk and return relationship between level of meter real estate investment trust (REIT) product, the flow nodes arrangement of time of real estate investment trust (REIT), pass through two-sided information
Effective communication improves Allocation Efficiency.Post audit system refers to that the examination & verification after the property transaction completing underlying assets manages, by providing basis
Produce and be worth, the dynamic monitoring examination & verification that real estate investment trust (REIT) usufruct intermediate item is worth, situation that the credit of all kinds of service intermediary mechanisms is fulfiled the duty
Examination & verification is analyzed, and makes investor understand the condition of assets as real estate investment trust (REIT) value basis in time.
Current internet real estate investment trust (REIT) platform is efficiently solved by real estate investment trust (REIT) internet platform business audit system
Building weakness in legal compliance, product lacks the examination & verification of system specialty, investor and the information extremely asymmetry problem of factor, is examined by business
Core system, not only can meet the professional judgement of investor compliance legal to underlying assets information, it is also possible to standing, the premises to original Equity Investors
Produce all standings including all kinds of service intermediary mechanisms, the specialty analysis judgement of working experience related in the whole flow process of outstanding principal,
Can also be sponsor and the information of the specialty intermediary potential investor of understanding, thus the beneficially respective decision-making of both sides, improve resource distribution effect
Rate.The prior the Internet real estate investment trust (REIT) auditing system that is introduced into is to the Internet legal compliance of real estate investment trust (REIT) industry
Upgrading engineering, can effectively make up the situation that the unordered risk of current whole industry is big, thus promote that industry is in long-range sound development.
Claims (8)
1. a Internet real estate investment trust (REIT) business audit system, it is characterised in that: this system includes industry in business audit system in advance, thing
Business auditing system and business audit system afterwards.
The Internet the most according to claim 1 real estate investment trust (REIT) business audit system, it is characterised in that: the bag of business audit system in advance
Including the first subsystem differentiating underlying assets compliance, verity, integrity, Equity Investors credit status original to underlying assets differentiates
The second subsystem, to specific purposes mechanism, Zeng Xin mechanism, credit rating organization, by support mechanism, underwriter carries out the 3rd of rating organization
Subsystem, carries out the four subsystems of cash flow analysis to future profits claim mesh.
The Internet the most according to claim 1 real estate investment trust (REIT) business audit system, it is characterised in that: business audit system bag in thing
Include trading margin auditing system and investor standing auditing system.
The Internet the most according to claim 1 real estate investment trust (REIT) business audit system, it is characterised in that: the bag of business audit system afterwards
Include underlying assets value change auditing system, basic usufruct Project Value dynamic examining system, to including specific purposes mechanism, Zeng Xin mechanism,
Credit rating organization, by support mechanism, underwriter fulfils the duty situation dynamic examining system.
5. according to the Internet real estate investment trust (REIT) business audit system described in claim 1 and 2, it is characterised in that: the first subsystem includes
The examination & verification of compliance legal to underlying assets, the legal compliance of Equity Investors holding assets original to underlying assets is audited, and turns original Equity Investors
Allow the examination & verification of right of underlying assets, the examination & verification of the ownership relation of right every to underlying assets.
6. according to the Internet real estate investment trust (REIT) business audit system described in claim 1 and 2, it is characterised in that: the second subsystem includes
Original power Equity Investors is held the examination & verification of the underlying assets legal compliance of whole process, original Equity Investors is transferred the possession of the examination & verification of basis credits motivation, to former
The examination & verification of beginning Equity Investors credit standing, the examination & verification to the original Equity Investors condition of affairs.
7. according to the Internet real estate investment trust (REIT) business audit system described in claim 1 and 2, it is characterised in that: the 3rd subsystem includes
To specific purposes mechanism, Zeng Xin mechanism, credit rating organization, by support mechanism, underwriter carries out the credit standing of rating organization, working project
Experience, the examination & verification of the condition of affairs.
8. according to the Internet real estate investment trust (REIT) business audit system described in claim 1 and 2, it is characterised in that: four subsystems includes
Examination & verification to project the industry, the examination & verification to the credit status of project management developer, the examination & verification to project finance situation, after building up project
The examination & verification of market expectations, effectively client and the examination & verification of effective level of profitability after project is built up.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610209457.2A CN105930951A (en) | 2016-03-24 | 2016-03-24 | Internet real estate investment trust fund audit system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610209457.2A CN105930951A (en) | 2016-03-24 | 2016-03-24 | Internet real estate investment trust fund audit system |
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| Publication Number | Publication Date |
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| CN105930951A true CN105930951A (en) | 2016-09-07 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201610209457.2A Pending CN105930951A (en) | 2016-03-24 | 2016-03-24 | Internet real estate investment trust fund audit system |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107784585A (en) * | 2017-04-18 | 2018-03-09 | 平安科技（深圳）有限公司 | Bid business paper processing method, device, computer equipment and storage medium |
| CN111754319A (en) * | 2019-03-29 | 2020-10-09 | 安徽海汇金融投资集团有限公司 | Account-receivable/debt-right credit-adding system |
-
2016
- 2016-03-24 CN CN201610209457.2A patent/CN105930951A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107784585A (en) * | 2017-04-18 | 2018-03-09 | 平安科技（深圳）有限公司 | Bid business paper processing method, device, computer equipment and storage medium |
| CN111754319A (en) * | 2019-03-29 | 2020-10-09 | 安徽海汇金融投资集团有限公司 | Account-receivable/debt-right credit-adding system |
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Application publication date: 20160907 |
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