JP2002109219A - Compound financing method, its system and storage medium with stored program concerning the method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily and rapidly compare financing and to rapidly perform financing by estimating financing collectively by a bank, a stock company and an insurance company through the use of Internet banking by a customer. SOLUTION: The customer transmits a desired financing condition to a financial institution such as the bank, etc. The bank, etc., performs an inspection and transmits information for specifying the customer to another financial institution when the customer purchases a financial merchandise from the financial institution. Another financial institution specifies the financial merchandise purchased by the customer from the information, estimates financing with the financial merchandise as security and transmits the result to the bank. The customer selects the desired financing from the presented estimation result and, then, financing is performed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

TECHNICAL FIELD The present invention relates to time deposits, insurance,
And lending services using securities and other financial products as collateral, and in particular, combined lending methods and combined lending systems utilizing Internet banking,
And a storage medium storing a program according to the method.

[0002]

2. Description of the Related Art Conventionally, when applying for a loan to a bank, securities company, or insurance company using each product (time deposit, insurance product, securities product, etc.) as collateral, the individual Had to ask for a loan. In addition, if a customer receives a loan from an insurance company or securities company and transfers it to a designated account, the loan underwriter such as an insurance company or securities company issues instructions to the bank after the loan decision,
The funds were transferred from the bank account of the underwriting company to the customer's bank account.

[0003]

As described above, when a customer applies for a loan from a bank, securities company, or insurance company as collateral, it is necessary to request a loan for each of those companies. Was complicated. In addition, loans by those banks, securities companies, or insurance companies have different loan conditions such as interest rates, lending amount, and lending period, and it was difficult for customers to compare loan conditions of each company in advance. .

[0004] On the other hand, securities companies and insurance companies have a problem in that the loan business may be sluggish due to the fact that there are few branches and the recognition of loans is low, and there is a problem that there are few channels for selling loans to customers. Was. In addition, there is a limited amount of time available to transfer money from a securities company or insurance company to a customer's account, and it takes time for the customer to actually receive the money.

[0005] The present invention allows a customer to make a lump-sum quotation to a bank, securities company, and insurance company by using Internet banking, thereby making it possible to compare loans easily and quickly. Even when financing from a bank or securities company, the bank can quickly transfer from the bank account of the loan underwriting to the customer's bank account by receiving the loan decision information from the customer, and execute the loan quickly The purpose is to be.

[0006]

In order to achieve the above object, the present invention relates to a composite financing method for financing a customer with a financial product as collateral, wherein the customer provides a financing method to a financial institution.
Sending desired financing terms and, if the customer has purchased a financial instrument of another financial institution different from the financial institution, information for identifying the customer from the financial institution to the other financial institution And the financial institution identifies the financial product purchased by the customer from the information identifying the customer, estimates a loan with the financial product as collateral, and compares the estimation result with the financial Sending to the institution, the financial institution presenting the estimation result to the customer; selecting the desired loan from the customer based on the presented estimation result; Executing a loan to the customer at an institution.

[0007] The present invention is also a combined financing method for financing a customer with a financial product as collateral, wherein the customer sends desired financing conditions to the financial institution, and wherein the customer communicates with the financial institution. In the case of purchasing a financial product of a different financial institution, the financial institution to the another financial institution, sending the information identifying the customer and the financing terms, in the another financial institution, A step of estimating a loan with the purchased financial product as collateral from the information specifying the customer and the loan condition, and sending the estimation result to the financial institution; and Presenting to the customer; selecting the desired loan from the presented estimation result; receiving the selection result; and providing the financial institution with a loan to the customer. Characterized by comprising the step of rows.

[0008] The present invention is also a combined financing method for financing a customer with a financial product as collateral, wherein the customer sends desired financing conditions to a financial institution; Retrieving the financial instrument of the bank or the financial instrument of another financial institution other than the bank purchased by the customer, and the customer purchases the financial instrument of the bank or the financial instrument of another financial institution other than the bank. If so, estimating lending conditions that can lend to the customer with those financial instruments as collateral, presenting the estimation result to the customer, and providing the customer with a desired loan from the presented estimation result A step of selecting and receiving the selection result and executing a loan to the customer in the financial institution.

[0009] The step of estimating the financing conditions in the financial institution includes, in advance, financing conditions indicating how much financing is possible using the financial instruments of the bank itself as collateral, and the financial conditions of another financial institution other than the bank itself as collateral. Keep the loan terms that indicate how much the institution can provide,
By retrieving these loan conditions, the loan conditions may be estimated when the customer purchases the financial products of the bank or financial products of another financial institution other than the bank as collateral. Further, the step of estimating a loan condition in the financial institution includes, for the financial product of the bank purchased by the customer, a loan condition indicating how much loan can be made with the financial product as collateral based on the standard of the bank. Estimation, for financial products of another financial institution other than the bank that the customer has purchased, inquiries to the other financial institution, and financing conditions indicating how much the other financial institution can make a loan with the financial product as collateral. May be obtained.

In the step of executing the loan, the loan may be transferred from an account of the another financial institution managed by the financial institution to the account of the customer. Further, the step of executing the loan includes:
After the financial institution transfers the money to the customer's account, the fund may be charged to the different financial institution. The financial institution may perform the estimation of the loan and the execution of the loan using the financial product of the another financial institution as collateral instead of the another financial institution.

Further, the present invention is a composite financing system for financing a customer with a financial product as collateral, wherein the customer system, a financial institution system, and another financial institution system are connected via a network, The system includes means for transmitting a desired loan condition to the financial institution system, means for displaying a loan estimation result transmitted from the financial institution system, and selecting a desired loan from the displayed estimation result. Means for transmitting a selection result to the financial institution system, wherein the financial institution system further comprises, if the customer has purchased a financial product of a different financial institution different from the financial institution, the different financial institution Means for transmitting information for identifying the customer to the system, and receiving a loan estimation result transmitted from the different financial institution system. Means for transmitting the received estimation result to the customer system; means for receiving the selection result of the loan desired by the customer from the customer system; and executing the loan to the customer based on the selection result. Means, and the separate financial institution system specifies the financial product purchased by the customer from the information specifying the customer transmitted from the financial institution system, and provides a loan with the financial product as collateral. Means for making an estimate and transmitting the estimation result to the financial institution.

[0012] The present invention is also a combined financing system for providing financing to a customer with a financial product as collateral, wherein the customer system and a financial institution system are connected via a network, and the customer system is connected to the financial system. Means for transmitting desired loan conditions to the institutional system, means for displaying the result of the loan estimate transmitted from the financial institution system, and selecting the desired loan from the displayed estimate result, and selecting the selected result. Means for transmitting to the financial institution system, wherein the financial institution system searches for a financial product of the customer's own bank or a financial product of another financial institution other than the customer's own bank; Alternatively, if the customer has purchased financial instruments of another financial institution other than the bank, the financial instruments can be used as collateral to lend to the customer. Means for estimating conditions, means for transmitting the estimation result to the customer system, means for receiving the selection result of the loan desired by the customer from the customer system, and providing a loan to the customer based on the selection result. Executing means.

The means for estimating the financing conditions in the above-mentioned financial institution system includes the financing conditions indicating how much financing can be made using the bank's own financial products prepared in advance and the financial products of another financial institution other than the bank's own. By retrieving the financing conditions from storage means storing the financing conditions indicating how much financing the different financial institution can provide as collateral, the financial products of the bank purchased by the customer or those other than the bank can be obtained. It is sufficient to estimate the financing terms when collateralized by financial products of another financial institution. The means for estimating the financing conditions in the financial institution system may include a financing condition that indicates how much financing is possible for the financial product of the bank purchased by the customer based on the standard of the bank based on the standard of the bank. Estimation, financing indicating the amount of financing that the other financial institution can use as collateral for the financial product of another financial institution other than the bank that the customer has purchased by inquiring the other financial institution system about the financial product. It is also possible to obtain an estimate of the condition.

[0014] The means for executing a loan may transfer the loaned fund from an account of the different financial institution managed by the financial institution to the account of the customer. The means for executing the loan may be one in which the financial institution transfers the loan to the customer's account after the financial institution has made a transfer to the customer's account. The financial institution may perform the estimation of the loan and the execution of the loan using the financial product of the another financial institution as collateral instead of the another financial institution.

Further, the present invention is a storage medium storing a program related to a combined financing method for financing a customer with a financial product as collateral, wherein the program is a program that operates in a financial institution system, and Receiving the transmitted financing terms to the financial institution, and, if the customer has purchased a financial instrument of another financial institution different from the financial institution, the customer has received the other financial institution from the financial institution. Transmitting the information specifying the customer, receiving the estimate result of the loan secured by the financial instrument, transmitted from the different financial institution, and presenting the estimate result to the customer And receiving a selection result of the customer selecting a desired loan from the presented estimation result, based on the selection result. And characterized in that comprising the step of performing a loan to the customer.

[0016]

Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a schematic diagram for explaining a composite loan service utilizing Internet banking (hereinafter abbreviated as IB) according to the present invention. In the present embodiment, the customer 101, the bank 102, the securities company 103, and the insurance companies 104 and 105 can communicate with each other through a network such as the Internet.

First, a customer 101 purchases various financial products from a bank 102. For example, a time deposit using the IB account of the bank 102, an investment trust A of the securities company 103 (securities A), a lump-sum retirement insurance (insurance A) of the insurance company 104,
Alternatively, it is a lifetime insurance (insurance B) of the insurance company 105 or the like. In recent years, some banks have been aiming to become financial portals, and customers can purchase products of the securities company 103 with one-stop by accessing the bank 102, and the insurance companies 104 and 105 will provide them in the future. There is a possibility that various insurance products can be purchased.

Next, the customer 101 inputs a request for a loan by IB and conditions. This is for the customer 101 to input, as desired loan conditions, the amount, period, repayment method, and the like when requesting a loan using various financial products purchased by the customer as collateral. On the other hand, the bank 102 estimates a bank loan based on the product (term deposit, etc.) of the bank 102 purchased by the customer 101. Further, the bank 102 searches for various financial products (such as investment trusts and endowment insurance) of the securities company 103 and the insurance companies 104 and 105 purchased by the customer 101 through the bank 102.
If such securities or insurance are provided, the securities company or insurance number and the desired financing conditions of the loan are set to the securities company 103.
And to the insurance companies 104 and 105. Securities company 1
03 and the insurance companies 104 and 105 receive the securities number and desired loan conditions of the loan, estimate the loan, and return the result to the bank 102.

Bank 102 presents customer 101 with a quote for those loans. The customer 101 refers to those loan quotes, selects a loan destination as desired, and transmits the selection result. The bank 102 lends a loan in response to an application from the customer 101. Specifically, the loan is transferred from the underwriting account to the customer account. For example,
If the customer 101 selects a bank loan, the bank 102
Transfer the loan from the loan account owned by the customer to the account of the customer 101. Further, when a loan to be secured by security A or insurance A or B is selected, the bank 102
Loan loans are transferred from predetermined loan underwriting accounts of the securities companies 103 and the insurance companies 104 and 105 to the accounts of the customers 101.

FIG. 2 shows a detailed system configuration diagram of the system of the present embodiment. A loan application customer system 201, a bank system 202, and insurance (securities) company systems 203, 204, and 205 are connected to the network 206 and can communicate with each other. The loan application customer system 201 includes a processing device 211, a communication device 212,
A display device 213 and an input device 214 are provided.
The processing device 211 is a central processing device that controls the entire operation of the customer system 201. The communication device 212 is a device for communicating with another system via the network 206. The display device 213 is a display or the like for displaying various information. The input device 214 is a keyboard, a mouse, and the like for the customer to input various information.

The bank system 202 includes a processing device 221,
Communication device 222, account management system 223, loan condition storage device 224, customer information storage device 225, bank / insurance /
It has a security product information storage device 226 and an account information storage device 227. The processing device 221 is a central processing device that controls the operation of the entire bank system 202. The communication device 222 is a device for communicating with another system via the network 206. Account management system 223
Is a system for managing customer accounts, and also includes, for example, a loan underwriting account of an insurance (securance) company that is a customer viewed from a bank.

The loan condition storage device 224 is a storage device that stores information for calculating a loan amount and a loan condition.
For example, it stores financing conditions such as the amount of financing of the bank and the amount of financing that can be performed under the condition of the balance of the time deposit of the bank. Customer information storage device 22
Reference numeral 5 stores a customer number which is a number for specifying a customer, a customer attribute (name, address, age, etc.), and a purchased product number (account number, securities number, etc.) for specifying a purchased product purchased by the customer. ing. In particular, even when a customer purchases a financial product of an insurance company or a securities company via a bank, information such as a product number that can be specified for the purchased product is recorded in the customer information storage device 225.

Bank / insurance / security product information storage device 226
Stores product information on purchased products for each customer. The above-mentioned customer information storage device 225 manages a product number or the like specifying a product purchased by each customer, and searches the bank / insurance / security product information storage device 226 by the product number to obtain detailed information on the purchased product. You can know product information. Bank / Insurance / Securities Product Information Storage 226
The product information stored in the, for example, includes a purchase date, an amount, and a status. The status is information such as the payment status of the product (for example, whether the monthly payment amount is properly paid for insurance or the like) and whether the product is secured as a loan. The account information storage device 227 stores various types of information related to the customer's account.

The insurance (securities) company system 203 includes a processing device 231, a communication device 232, and a loan condition storage device 23.
3, a customer information storage device 234 and an insurance (securities) product information storage device 235. The processing device 231 is a central processing device that controls the entire processing of the system 203. The communication device 232 is a device for communicating with another system via the network 206.

The loan condition storage device 233 is similar to the loan condition storage device 224 of the bank system 202.
Information for calculating the loan amount and loan conditions (conditions when the product of the insurance (securities) company is secured) is stored.
The customer information storage device 234 stores customer information (including information such as the product number of insurance and securities purchased by the customer) of the insurance (securities) company. The insurance (securities) product information storage device 235 stores product information on insurance (securities) products of the insurance (securities) company (including information such as purchase date, amount, status, etc. of purchased products for each customer). It is.

Next, referring to the flowchart of FIG.
A processing procedure in which the customer receives a loan with the financial product purchased by the customer as collateral in the system of FIG. 2 will be described. Assuming that the processing in FIG. 3 starts, the customer is
You must have purchased a banking, insurance, or securities product. Insurance or securities products purchased through a bank are, for example, products of an insurance company or securities company with which the bank is affiliated, and the bank purchases and owns which financial product of which insurance (securities) company. It is assumed that the user information is managed (managed by the customer information storage device 225 described above).

First, in step 301, the customer inputs customer information from the customer system 201. This is a process of inputting information that can identify a customer, such as an IB ID and a password for a bank. In step 302, the bank system 202 authenticates that the customer is a customer of the bank based on the input customer information. As a result, the customer can use various functions of the bank's IB. When the customer applies for a loan, the function of the loan application is selected, and in step 303, desired loan conditions for receiving the loan are input. FIG. 4 shows an example of a screen for inputting desired financing conditions by a customer. It is possible to specify a desired loan amount, a desired loan period, a repayment method, and the like. Note that more detailed conditions may be input.

The bank system 202 proceeds to step 304
To retrieve the customer information of the customer. This is a process of searching for customer information (annual income, occupation, etc.) related to a loan owned by a bank. Next, in step 305, transaction information such as what kind of merchandise other than the bank merchandise is purchased by the customer is searched. As a result, when the customer purchases an insurance product or a securities product through the bank, the insurance number or the security number of the purchased product is searched. Next, in step 306, a loan is estimated based on the desired loan conditions input by the customer, the customer information owned by the bank, and the loan conditions. Further, step 307
Then, the client sends information such as a securities number and a transaction number together with the desired financing terms entered by the customer to an insurance company or securities company which is the primary receiving company of the non-bank products purchased by the bank.

FIG. 5 shows an example of customer information and desired financing condition information transmitted from the bank system 202 to the insurance (securities) company system (eg, 203). In addition to the security number purchased by this customer and the name of the contractor, the desired loan conditions such as the desired loan amount, the desired loan period, and the repayment method are included.

In step 308, the insurance (securities) company system 203 that has received the information retrieves the customer information based on the received information. Step 30
At 9, a loan is estimated based on the retrieved customer information and the desired loan conditions entered by the customer. In step 310, the result of the loan estimate is transmitted to the bank system 202. If the customer has purchased products of a plurality of insurance (securities) companies, the processing of steps 307 to 310 is executed for each of the insurance (securities) companies.

The bank system 202 proceeds to step 311
Then, it presents to the customer all the loan estimation results of the own bank (estimated in step 306) and the estimation results (estimated in step 309) received from other insurance (securities) companies (there may be a plurality). Here, the presentation of the estimation result is performed by the customer system 20 connected to the IB.
1 is transmitted and presented in real time, but a method of presenting the estimation result by e-mail, mail, fax or the like may be used.

FIG. 6 shows an example of a loan estimation result presented from a bank to a customer. In addition to the company accepting the loan, the amount of the loan, the term, the annual interest rate, the availability of collateral, etc., the security number to be collateral and various special notes are provided. Further, there is provided a GO button which is clicked when it is desired to know the details of each loan. The customer can obtain what kind of loan from which underwriter based on the information in FIG.
In addition, information such as security at that time can be collectively known.

The customer who referred to the estimation result as shown in FIG.
At step 312, it is determined whether to obtain a loan.
If no loan is received, the application is canceled by clicking the cancel application button 601 in the screen example of FIG. In the case of receiving a loan, the user checks the application (amount) column 603 on the screen example of FIG. 6, describes the loan application amount, and clicks the send button 602. In the example of FIG. 6, for the underwriter C securities company,
They are applying for a 300,000 yen loan.

When a loan application is made from the screen shown in FIG. 6, the application information is transmitted from the customer system 201 to the bank system 202. In step 313, the bank system 202 makes the loan application from the bank underwriting. Or another company as the underwriter. If the bank is the underwriter, the security of the loan is determined in step 314 (there may be no security), and the loan is executed in step 315. In this case, the bank transfers the loan amount to the customer's account and executes the loan. In the case of only the bank loan, the process ends after step 315.

If there is a loan from another company in step 313, the result of selection of the borrower from the customer is received in step 316, and the result is notified to the insurance (securance) company that issued the estimate request. FIG. 7 shows an example of a loan estimate result notified from the bank to the loan acceptor. In this example, the estimation result indicating that a loan of 300,000 yen is to be made to the C securities company which applied for the loan in FIG. 6 with the security bond number CX33333 as security is transmitted.

In response to the estimation result, the other insurance (securities) company system 203 determines the security in step 317.
In the determination of the security, processing for storing the security information as insurance (security) product information of the customer of the insurance (security) company is performed. FIG. 8 is an example of security information setting in the insurance (securities) product information storage device 235 set by the borrower. Regarding the loan determined in FIGS. 6 and 7, the setting information of the security number CX33333 stores that a loan of 300,000 yen has been made using the security as security.

When the security is determined in step 317, the other insurance (securities) company system 204 notifies the bank system 202 of the fact. The banking system 202
In step 318, the loan amount is once transferred from the bank to the customer's account (the loan amount is refunded).
At 19, the loan amount is requested to the other insurance (securities) company that is the underwriter of the loan. Further, at step 320,
The loan acceptor pays the bank to repay the loan. As described above, financing is executed using financial products of insurance (securities) companies other than banks as collateral.

In steps 318 to 320 in FIG. 3, the loan amount is once transferred from the bank to the customer's account, and then the insurance (securities) company pays the loan amount. If the bank has a loan account of the insurance (securities) company, the loan amount may be transferred to the customer's account therefrom. Alternatively, the bank itself may make a loan with the product of an insurance (securities) company as collateral. In this way, the transfer of funds and paperwork are reduced.

In the above-described embodiment, the loan conditions when the customer purchases insurance (securities) products through a bank as collateral are obtained by inquiring the insurance (securities) company. If the financing conditions in the case where the financial products of the other company's insurance (securities) company that can be purchased at the bank are secured in advance in the financing condition storage device 224 of the second bank system 202, the financing conditions can be referred to by referring to the financing conditions. Get loan terms.

[0041]

As described above, according to the present invention,
When a customer makes a quote or requests a loan using, for example, a bank's Internet banking, even if there are products of the bank and insurance or securities products of other companies purchased through the bank, those products are secured. In this case, a loan can be quoted and requested. Therefore,
The customer side can easily and quickly select a good loan by obtaining and comparing estimates at once, and the bank can receive the information after the loan is decided and transfer it to the customer account, so that the customer can quickly make a loan. Can receive.

In line with the flow of the bank becoming a financial portal, if the customer accesses the bank, the loan processing is completed in one stop, which is convenient. For insurance (securities) companies, the lending business, which has few channels and relatively low profile, can be expected to expand.

[Brief description of the drawings]

FIG. 1 is a schematic diagram for explaining a composite financing service utilizing Internet banking.

FIG. 2 is a detailed system configuration diagram of the system according to the embodiment;

FIG. 3 is a flowchart showing a processing procedure in which a customer receives a loan with the financial product purchased by the customer as collateral.

FIG. 4 is a diagram showing an example of an input screen of a desired financing condition by a customer;

FIG. 5 is a diagram illustrating an example of customer information and desired financing conditions transmitted from a bank system to an insurance (securities) company system;

FIG. 6 is a diagram showing an example of a loan estimation result presented to a customer from a bank.

FIG. 7 is a diagram showing an example of a loan estimation result notified from a bank to a loan acceptor.

FIG. 8 is a diagram showing an example of setting collateral information in an insurance (securities) product information storage device set by a borrower;

[Explanation of symbols]

101 customer, 102 bank, 103 securities company, 10
4, 105: insurance company 201: customer system, 202: bank system, 20
3,204,205 ... Each insurance (securities) company system.

Continued on the front page (72) Inventor Masayuki Nakagawa 890 Kashimada, Saiwai-ku, Kawasaki City, Kanagawa Prefecture Within the Business Solutions Development Division, Hitachi, Ltd. F-term in the system development laboratory (reference) 5B049 BB46 CC11 GG02 5B055 CA05 CC00 CC11

Claims (16)

[Claims] 1. A combined financing method for financing a customer with a financial product as collateral, wherein the customer sends desired financing terms to a financial institution; When purchasing a financial product of a financial institution, a step of sending information specifying the customer from the financial institution to the another financial institution; Identifying the financial product purchased by the customer, estimating a loan with the financial product as collateral, and sending the estimation result to the financial institution; and presenting the estimation result to the customer at the financial institution. Performing a loan to the customer at the financial institution in response to the result of the selection by the customer to select a desired loan from the presented estimation result. Composite financing method characterized by comprising a. 2. A combined financing method for financing a customer with a financial product as collateral, wherein the customer sends desired financing terms to a financial institution; When purchasing a financial product of a financial institution, the financial institution sends to the another financial institution information for identifying the customer and the financing terms; Estimating a loan secured by the financial instrument purchased from the information to be specified and the loan condition, and sending the estimated result to the financial institution; and the financial institution sends the estimated result to the customer. Presenting; selecting the desired loan by the customer from the presented estimation result; receiving the selection result; and executing a loan to the customer at the financial institution. Composite financing method is characterized in that a-up. 3. A combined financing method for financing a customer with a financial product as collateral, wherein the customer sends desired financing terms to a financial institution; Retrieving the financial instrument of the own bank or a financial instrument of another financial institution other than the own bank, and the customer has purchased the financial instrument of the own bank or the financial instrument of another financial institution other than the own bank at the financial institution. In such a case, estimating a financing condition capable of financing the customer with the financial products as collateral, a step of presenting the estimation result to the customer, and a step of selecting a desired loan by the customer from the presented estimation result Receiving the result of the selection and executing a loan to the customer at the financial institution. 4. The combined financing method according to claim 3, wherein the step of estimating a financing condition in the financial institution includes:
Loan conditions indicating in advance how much financing can be performed using the financial instruments of the bank itself as collateral, and financing conditions indicating how much financing can be performed by another financial institution using the financial instruments of another financial institution other than the bank as collateral. By holding and searching for the loan conditions, the loan conditions when the customer purchases the financial products of the own bank or the financial products of another financial institution other than the own bank as collateral are estimated. A combined financing method characterized in that: 5. The combined financing method according to claim 3, wherein the step of estimating a financing condition in the financial institution includes:
For the financial products of the bank purchased by the customer, financing conditions indicating how much financing can be performed with the financial product as collateral are estimated based on the standards of the bank, and other financial institutions other than the bank purchased by the customer are estimated. For financial instruments of a financial institution, by obtaining an estimate of lending terms indicating how much financing can be performed by the other financial institution as collateral by inquiring to the other financial institution. Combined financing method. 6. The combined financing method according to claim 1, wherein the step of executing the financing includes: providing a financing fund from an account of the another financial institution managed by the financial institution. A combined loan method characterized by being transferred to a customer's account. 7. The composite financing method according to claim 1, wherein the step of executing the financing includes transferring the financing to an account of the customer by the financial institution. Thereafter, the refunded fund is charged to the other financial institution. 8. The combined financing method according to claim 1, wherein the estimating and executing of the loan using the financial product of the another financial institution as collateral is performed in place of the another financial institution. A combined financing method performed by the financial institution. 9. A composite financing system for financing a customer with a financial product as collateral, wherein the customer system, a financial institution system, and another financial institution system are connected via a network. For the financial institution system,
Means for transmitting a desired loan condition, means for displaying a loan estimation result transmitted from the financial institution system, selecting a desired loan from the displayed estimation result, and transmitting the selection result to the financial institution system Means, the financial institution system, if the customer has purchased financial products of another financial institution different from the financial institution, the information to identify the customer to the another financial institution system Means for receiving the estimated result of the loan transmitted from the other financial institution system, means for transmitting the received estimated result to the customer system, and a method of transmitting the loan desired by the customer from the customer system. Means for receiving a selection result, and means for executing a loan to the customer based on the selection result, wherein the separate financial institution system comprises: The financial instrument purchased by the customer is identified from the information identifying the customer transmitted from the financial institution system, a loan is secured by using the financial instrument as a collateral, and the estimation result is transmitted to the financial institution. A combined financing system comprising means. 10. A composite financing system for financing a customer with a financial product as collateral, wherein the customer system and a financial institution system are connected via a network, and wherein the customer system is connected to the financial institution system. for,
Means for transmitting a desired loan condition, means for displaying a loan estimation result transmitted from the financial institution system, selecting a desired loan from the displayed estimation result, and transmitting the selection result to the financial institution system Means for retrieving a financial instrument of the bank or a financial instrument of another financial institution other than the bank purchased by the customer, and a financial instrument of the bank or another financial instrument other than the bank. If the customer has purchased an institutional financial product,
Means for estimating lending conditions that can lend to the customer with those financial instruments as collateral, means for transmitting the estimation result to the customer system, and means for receiving a selection result of the loan desired by the customer from the customer system Means for executing a loan to the customer based on the selection result. 11. The combined financing system according to claim 10, wherein the means for estimating the financing conditions in the financial institution system indicates how much financing can be performed using the financial instruments of the bank provided in advance as collateral. By searching for the loan conditions from storage means which stores the conditions and the loan conditions indicating how much the other financial institution can make a loan using the financial products of the other financial institution other than its own as collateral, the client A multi-purpose loan system for estimating a financing condition in a case where the financial product of the bank or the financial product of another financial institution other than the bank is purchased as collateral. 12. The composite financing system according to claim 10, wherein the means for estimating a financing condition in the financial institution system comprises: for the financial product of the bank purchased by the customer, based on the standard of the bank. Estimate the loan conditions indicating how much financing can be done with the collateral as the collateral, and inquire about the financial products of the other financial institution other than the bank that the customer has purchased by contacting the other financial institution system so that the different financial institution A composite financing system characterized by acquiring an estimate of financing terms indicating how much financing can be made with a financial product as collateral. 13. The composite financing system according to claim 9, wherein the means for executing the financing is configured to transfer a financing fund from an account of the different financial institution managed by the financial institution. A complex loan system characterized by being transferred to a customer's account. 14. The combined financing system according to claim 9, wherein the means for executing the financing transfers the financing to the account of the customer by the financial institution. Thereafter, the combined financing system is to charge the refunded funds to the different financial institution. 15. The combined financing system according to any one of claims 9 to 14, wherein the estimating and financing of a loan secured by a financial product of the another financial institution are performed in place of the another financial institution. A composite financing system performed by the financial institution. 16. A storage medium storing a program related to a combined financing method for financing a customer with a financial product as collateral, wherein the program is a program that operates in a financial institution system and is transmitted from the customer system. Receiving the desired financing terms for the financial institution; and if the customer has purchased a financial instrument of another financial institution different from the financial institution, Transmitting the information specifying the customer; receiving the estimate result of the loan secured by the financial product, transmitted from the different financial institution; and presenting the estimate result to the customer. Receiving a selection result of the customer selecting a desired loan from the presented estimation result; and, based on the selection result, the customer Executing a loan to the storage medium.