KR100834260B1 - Credit loan management apparatus specialized external distribution and method thereof - Google Patents

Abstract

The present invention relates to a special credit management apparatus and method for automatically performing credit management and credit evaluation for an external distribution network in a distribution management system operating an external distribution network, and to manage bonds for an external distribution network. A special credit of the present invention for managing a special credit in a distribution management system including a server, a credit limit management server for managing a credit limit of the external distribution network, and a pump banking management server for managing details of repayment of bonds in the external distribution network. Credit management apparatus, The credit management server, the credit limit management server, the data collection unit for collecting the credit history, credit limit, repayment details of the external distribution network from the pumping management server; A risk calculator configured to calculate a risk of the external distribution network based on the bond details, the credit limit, and the repayment details of the external distribution network collected by the data collection unit; And a special credit rating calculator configured to calculate and assign a special credit rating of the external distribution network based on the risk of the external distribution network calculated by the risk calculation unit.

Credit, Bond, Distribution Network, Risk, Credit Rating

Description

CREDIT LOAN MANAGEMENT APPARATUS SPECIALIZED EXTERNAL DISTRIBUTION AND METHOD THEREOF

1 is a network diagram of a special credit management system of a mobile communication company according to an embodiment of the present invention.

2A is a diagram illustrating an example of a table stored in a database of a grant management server.

2B is a diagram illustrating an example of a table stored in a database of a bond management server.

2C is a diagram illustrating an example of a table stored in a database of a credit limit management server.

2D is a diagram illustrating an example of a table stored in a database of a sales management server.

2E is a diagram illustrating an example of a table stored in a database of a firmbanking management server.

2F is a diagram illustrating an example of a table stored in a database of an organization management server.

2G is a diagram illustrating an example of a table stored in a database of a special credit management server.

3 is a functional configuration diagram of a special credit management server according to an embodiment of the present invention.

4 is a flowchart illustrating a special credit management method according to an embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

110: subsidy management server 120: bond management server

130: credit limit management server 140: subscriber management server

150: firmbanking server 160: organization management server

170: special credit management server

The present invention relates to a special credit management apparatus and method, and more particularly, to a special credit management apparatus and method for managing a special credit for the external distribution network in a distribution management system for managing an external distribution network.

Currently, in the distribution management system of a company that operates an external distribution network, information necessary for credit management, that is, bond management, is managed separately. That is, since information necessary for credit management is separately stored and managed in different databases, there is a problem that the load on the individual database is increased and the inefficiency is increased.

In particular, as the information necessary for credit management is separated and managed separately, the speed of credit control on an external distribution network occurs, and most credit management tasks are performed by hand. In other words, differentiated credit policy should be implemented according to the performance of the external distribution network by integrated management of the performance of the external distribution network. Currently, the performance management of the external distribution network is performed manually on a separate server for each necessary information, so that the credit policy is consistent. There is a problem that it is difficult to establish a poor and unified credit policy.

For example, in a mobile service provider operating a plurality of resellers, the operations such as performance management, utility billing agency management, credit evaluation, terminal payment receivables management, and firm banking deposit history management for the plurality of resellers may be performed in separate databases. Since it is made by hand, there is a problem that a user's work for establishing a credit policy for an external agency in a mobile communication company is increased. In particular, the update cycle of each database is different, which makes integration management more difficult.

The present invention has been proposed to solve the above problems, and to provide a special credit management apparatus and method for automatically performing credit management and credit evaluation for the external distribution network in a distribution management system operating an external distribution network. have.

Other objects and advantages of the present invention can be understood by the following description, and will be more clearly understood by the embodiments of the present invention. Also, it will be readily appreciated that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the claims.

The present invention for achieving the above object, the bond management server for managing the bond details for the external distribution network, the credit limit management server for managing the credit limit of the external distribution network, and manages the details of the repayment of the bonds in the external distribution network A special credit management apparatus for managing a special credit in a distribution management system including a firmbanking management server, wherein the bond history server, the credit limit management server, the bond details of the external distribution network, the credit limit, A data collection unit for collecting repayment details; A risk calculator configured to calculate a risk of the external distribution network based on the bond details, the credit limit, and the repayment details of the external distribution network collected by the data collection unit; And a special credit grade calculating unit configured to calculate and assign a special credit grade of the external distribution network based on the risk of the external distribution network calculated by the risk calculating unit.

In this case, the risk calculator of the special credit management apparatus of the present invention subtracts the reimbursement details from the receivables of the external distribution network, and the external receivables are in accordance with the ratio of the subtracted real credits exceeding the credit limit. It is desirable to calculate the risk.

Alternatively, the risk calculator of the special credit management apparatus of the present invention may be configured according to the ratio of the actual bond details of the external distribution network to exceed the credit limit and the ratio of the bonds of the external distribution network to exceed the deadline. It is desirable to calculate the risk.

In addition, the present invention for achieving the above object, a method for managing a special credit of the external distribution network in a distribution management system for managing an external distribution network, (a) the details of the bonds for the external distribution network and the repayment in the external distribution network Collecting bond details; (b) collecting a credit limit of the external distribution network; (c) calculating a risk of the external distribution network based on the collected credit limits of the external distribution network and the bond details of the external distribution network; And (d) assigning a special credit grade of the external distribution network based on the calculated risk of the external distribution network.

At this time, the special credit management method of the present invention, after the step (a), further comprising the step of calculating the actual bond details of the external distribution network on the basis of the bond details and repayment details; (c) step Preferably, the risk of the external distribution network is calculated based on the collected credit limit of the external distribution network and the actual bond details of the external distribution network.

Alternatively, the special credit management method of the present invention, in the step (a), further collects the status of subscribers managed in the external distribution network, the step (c), the subscriber of the actual bond amount of the external distribution network It is advisable to further consider the value subtracted from the risk calculation.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings, whereby those skilled in the art may easily implement the technical idea of the present invention. There will be. In addition, in describing the present invention, when it is determined that the detailed description of the known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a network diagram of a distribution management system of a mobile communication company according to an embodiment of the present invention. As shown in FIG. 1, the distribution management system of a mobile communication company according to the present invention includes a grant management server 110, a bond management server 120, a credit limit management server 130, a revenue management server 140, and pump banking. The management server 150, the organization management server 160 and the special credit management server 170 are included.

Here, each server may be interconnected through an open wired / wireless network such as a public telephone network, a mobile communication network, or a closed network such as a dedicated line. Each server includes a ROM, a RAM, a CPU, an operating system, a network interface, and a dedicated program for realizing the functions of each server.

The subsidy management server 110 is a server that manages subsidies (or loans) supported by a mobile carrier to a dealer. When the mobile carrier provides the subsidies to the dealers, the subsidy management server 110 receives the subsidies of the subsidiary from the administrator or from a separate system and stores the subsidies of the subsidiary in the database as a table as shown in FIG. 2A. Manage. As shown in FIG. 2A, the support fund status table includes an agency code, a loan support fund, a loan support date, a repayment start date, a repayment expiration date, a loan interest rate field, and the table is generated for each agency.

The bond management server 120 is a server that manages the bonds to be paid to the mobile carrier in the dealership. In this case, the bond refers to the price of the terminal distributed to the distributor by the mobile carrier, and the utility bill received from the subscriber by the dealer. When the dealer orders the terminal to be sold by the customer to the mobile carrier, the mobile carrier requests the terminal to deliver the terminal to the distribution center, and when the terminal delivers the terminal to the distributor, the bond management server pays the terminal for the distributor that receives the terminal. Is set as a bond and stored in the database In addition, the subscribers can pay their own communication fee by visiting the agency directly, and the agency receives the communication fee from the subscriber on behalf of the mobile carrier and notifies the carrier of the payment of the communication fee. When the bond management server is notified of the payment of the subscriber's communication fee from the agency, the utility bill is set as a bond for the agency and stored in the database. 2B is an example of a bond status table stored in a database of the bond management server 120. As shown in FIG. 2B, the bond status table may include an agency code, a bond item (eg, terminal price, utility bill), It includes the bond amount, date of creation, and date of change. The table as shown in FIG. 2B may exist for each bond item for each agent.

Credit limit management server 130 manages the credit limit for each dealership. Herein, the credit limit includes a limit of subsidies that each agency can receive from a mobile carrier, a limit of utility bills that each agency can receive on behalf of a mobile carrier, and a limit of a terminal payment that each agency can receive from a mobile carrier. 2C is an example of a credit limit table stored in a database of the credit limit management server 130. As shown in FIG. 2C, the credit limit table includes an agency code and a credit type code (for example, the support credit limit is sup). For example, the utility credit limit includes pub, the terminal credit limit is ter), the credit set amount, and the credit set reason field. The table as shown in Figure 2c is generated separately for each agency and type of credit.

Revenue management server 140 is a server that manages the sales history generated at each dealership, where the sales history generated at each dealership is a history of selling the terminal to the customer to the customer, the details of receiving the utility bills from the subscriber at the dealership, etc. . When each agency sells a terminal to a customer and opens the terminal, the terminal sales details are notified to the mobile communication company, and the sales management server 140 receives the terminal opening details and stores them in a database. In addition, upon receipt of utility bills from subscribers in each agency, the billing details are notified to the mobile communication company, and the sales management server 140 receives the billing details and stores them in a database. 2D is an example of a sales status table for each dealership stored in a database of the sales management server 140. As illustrated in FIG. 2D, the sales status table for each dealership includes an agency code and a sales item (for example, a subscription fee and a terminal). Payments, utility bills, etc.), sales, and subscribers fields, etc., and are generated by agency and sales.

The pumping management server 150 manages the details of repayment of the debt to the mobile shrine in the dealer with a debt to the mobile carrier. Firm banking is a financial automation system where a mobile carrier and a bank are connected to a dedicated line so that the mobile carrier directly handles the financial affairs without going to the bank. 150 is notified and manages the details. 2E is an example of a firmbanking status table stored in a database of the firmbanking management server 150. As shown in FIG. 2E, the firmbanking status table includes a deposit agency code, a deposit date, and a bank that has made online deposits at a dealership. It is generated for each reseller, including the code, deposit purpose (i.e. terminal payment, utility bill, etc.) field, etc.

The organization management server 160 is a server for managing the entire distribution organization of the mobile communication company, and manages the sales sales network inside the mobile communication company. Even though the sales network in the mobile communication company is divided into a credit network and a sales network that are not, the organization management server 160 manages this information. FIG. 2F is an example of an organization management table stored in a database of an organization management server 160. As shown in FIG. 2F, an organization management table includes an agency code, an agency name, an initial creation date, an upper organization code, and a distribution center code. , Credit application code (eg, N is not applied, Y is applied) field, and the like.

The special credit management server 170 is a subsidy management server 110, a bond management server 120, a credit limit management server 130, a revenue management server 140, a fun banking management server 150, and an organization management server 160. ), Only the agency-specific information needed for credit rating is collected and the risk of each agency is evaluated. Based on the risks evaluated as above, the manager of the special credit management server 170 performs agency credit management such as assigning a special credit for each agency or reducing the default credit limit.

More specifically, the special credit management server 170 periodically collects the grant status data for each agency from the subsidy management server 110. In addition, the special credit management server 170 collects the terminal payment credit status and utility bill status data for each agency from the bond management server 120, and the terminal credit credit limit and utility credit limit data from the credit limit management server 130 By collecting, the terminal loan credit limit excess rate and utility bill limit excess rate for each agency are calculated and the risk is calculated. At this time, the special credit management server 170 calculates the risk by calculating not only the credit limit excess rate but also the over-due share of the terminal payment bond. In addition, the special credit management server 170 periodically collects the subscriber status data for each agency from the sales management server 140, the collected subscriber status for each agency and the agency-specific bonds collected from the bond management server 120 Based on the current situation, the risk of each agency is calculated.

On the other hand, the special credit management server 170 collects the current status of non-credit dealers from the organization management server 160, the information of each agency from the subsidy management server 110, bond management server 120 and revenue management server 140 When collecting, the collected non-credit distributors are excluded.

In addition, the special credit management server 170 collects the details of the repayment of the bonds in each agency from the pump banking management server 150, and reflects when calculating the risk. That is, the special credit management server 170 at the time of repayment of the bonds at each dealership receives the details from the pumping management server 150 and reflects the details of the terminal bills and utility bills for each agency, and calculates a risk. As a result, the risk of the agent who has repaid the bond within the predetermined period is reduced, and the special credit management server 170 gives a high special credit rating to the agent having a low risk.

[Table 1] shows an example of the risk calculation rate for the special loan.

Here, the loan excess rate of the terminal payment bond indicates how much the terminal loan debt that the dealer has to repay to the mobile carrier exceeds the terminal loan credit limit of the corresponding dealer, and the utility bond credit excess rate is the utility bond that the dealer must repay to the mobile carrier. It indicates how much of this agency's utility credit limit has been exceeded. In addition, the subscriber value compared to the real bond indicates how many valid subscribers the agent has. In this case, the value of the total amount of bonds that the agent must repay to the mobile carrier is subtracted from the number of subscribers held by the agent multiplied by the subscriber value (net bond amount-(number of subscribers * subscriber value)) as the subscriber value of the agency. In addition, the terminal bond overdue ratio indicates how much the terminal loan bond that has to be repaid from the agency to the mobile carrier exceeded the repayment deadline.

The special credit management server 170 uses the information collected from the bond management server 120, the sales management server 140, and the firm banking management server 150, and the risks of the respective agencies using the rates shown in [Table 1]. Calculate. For example, if the loan excess rate of the terminal loan bond of agent A is 25%, the risk of the item is 20. If the loan excess rate of the utility bill is 35%, the risk of the item is 3, and the subscriber value of the bond is 500 million. If it is 50 million won, the risk of the item is 20, and if there is no overdue rate of the terminal loan, the risk of the item is zero. Taken together, the risk of agency A is 20 + 3 + 20 = 43.

The special credit management server 170 calculates the grade of each agency based on the risk grade of the following [Table 2] based on the risk for each agency calculated in this way. According to the above example, since the risk of the agency A is 43, the grade of the agency A is managed by attention.

2G illustrates an example of a table stored in a database of the special credit management server 170. As shown in FIG. 2G, a table stored in the database of the special credit management server 170 includes an agency code, It includes the credit limit excess rate of terminal payments, the credit limit excess rate of utility bills, the subscriber value over actual bonds, the share of terminal payments exceeding 30 days, the share of terminal payments exceeding 90 days, the rating class and the support field.

3 is a functional configuration diagram of a special credit management server according to an embodiment of the present invention. As shown in FIG. 3, the special credit management server 170 includes a data collector 171, a risk calculator 173, and a rating. The calculator 175 and a database 177 are included.

The data collection unit 171 collects the subsidies of each agency from the subsidy management server 110, and also collects the terminal payments and the utility bills of the terminal by agency from the bond management server 120, credit limit management server ( 130) collect the terminal loan credit limit and utility credit limit by agency.

In addition, the data collection unit 171 collects the subscriber status for each dealership from the sales management server 140, collects the status of non-credited distributors from the organization management server 160, and each dealership from the pump banking management server 150 Collects repayment of bonds. At this time, the data collection unit 171 collects the status of the non-credit dealers from the organization management server 160, the subsidy management server 110, bond management server 120, revenue management server 140 and the pump banking management server ( When collecting data for each agency from 150, the collected non-credit agency may be excluded.

The risk calculator 173 calculates the risk of each agency based on the data collected by the data collector 171. That is, the risk calculation unit 173 is a terminal-specific payment status and utility bills by the agency collected by the data collection unit 171 from the bond management server 120, and by the agency collected from the credit limit management server 130 Based on the terminal credit limit and the utility credit limit, the risk is calculated by calculating the terminal loan credit excess rate and the utility credit limit excess rate for each agency. At this time, the risk calculator 173 calculates the risk by calculating not only the credit limit excess rate but also the over-duty share of the terminal bill. In addition, the risk calculator 173 is based on the subscriber status of each agency collected by the data management unit 171 from the sales management server 140 and the bond status of each agency collected from the debt management server 120. The risk level for each agency is calculated.

At this time, the risk calculation by the risk calculation unit 173 is based on the criteria of the above [Table 1]. For example, if the loan excess rate of the terminal loan bond of agent A is 25%, the risk of the item is 20. If the loan excess rate of the utility bill is 35%, the risk of the item is 3, and the subscriber value of the bond is 500 million. If it is 50 million won, the risk of the item is 20, and if there is no overdue rate of the terminal loan, the risk of the item is zero. Taken together, the risk of agency A is 20 + 3 + 20 = 43. Of course, Table 1 is an example, and the risk calculation may be applied differently depending on the operator.

The grade calculating unit 175 calculates the grade of each agency according to the risk grade according to the above [Table 2] based on the risk for each agency calculated by the risk calculating unit 173. According to the above example, since the risk of the agency A is 43, the grade of the agency A becomes "caution management". According to the grade calculated as described above, the mobile carrier gives the dealer an additional special credit in addition to the existing credit or reduces the existing credit.

As described above, the result values calculated by the risk calculator 173 and the rating calculator 175 based on the data collected by the data collector 171 are stored in a table in the database 177. 2G illustrates an example of a table stored in a database of the special credit management server 170. As shown in FIG. 2G, a table stored in the database of the special credit management server 170 includes an agency code, It includes the credit limit excess rate of terminal payments, the credit limit excess rate of utility bills, the subscriber value over actual bonds, the share of terminal payments exceeding 30 days, the share of terminal payments exceeding 90 days, the rating class and the support field.

On the other hand, the data collected by the data collection unit 171 is stored separately in the database 177, the stored data is retrieved according to the user's input and displayed to the user through a user interface (User Interface).

4 is a flowchart illustrating a special credit management method according to an embodiment of the present invention.

As shown in FIG. 4, first, the special credit management server 170 collects the terminal payment bond status and the utility bill status for each agency from the bond management server 120 (S401) and each from the pump banking management server 150. Collect the debt reimbursement history from the dealer (S403).

The special credit management server 170, which collects the bond status of each agent and the details of repayment of the debt of each agent, calculates the actual bond status of each agent (S405). That is, the real bond details of each agency are calculated by reflecting the repayment details of the agents collected from the pumping management server 150 from the bond details of the agents collected from the bond management server 120. It is to calculate the remaining bonds.

In this case, in step S403 and step S405, the special credit management server 170 may collect and reflect the status of the non-credit applied agency from the organization management server 160. In other words, by not collecting data for the agency that does not apply to the credit, it is possible to reduce the load caused by the data operation, and to increase the processing efficiency.

Next, the special credit management server 170 collects the terminal payment credit limit and the utility credit limit for each agent from the credit limit management server 130 (S407), and the collected credit limit and the agent-specific calculation calculated in step S405. The risk is calculated by calculating the terminal loan credit limit excess rate and the utility credit limit excess rate for each agency based on the actual bond status (S409). At this time, the special credit management server 170 calculates the risk by calculating not only the credit limit excess rate but also the over-due share of the terminal payment bond.

In addition, the special credit management server 170 collects the subscriber status for each dealership from the sales management server 140 (S411), based on the collected subscriber status for each dealership and the actual bond status for each agency calculated in the above step Et. The risk of each agency is calculated (S409).

The risk calculation in step S409 follows the criteria in Table 1 above. For example, if the loan excess rate of the terminal loan bond of agent A is 25%, the risk of the item is 20. If the loan excess rate of the utility bill is 35%, the risk of the item is 3, and the subscriber value of the bond is 500 million. If it is 50 million won, the risk of the item is 20, and if there is no overdue rate of the terminal loan, the risk of the item is zero. Taken together, the risk of agency A is 20 + 3 + 20 = 43. Of course, Table 1 is an example, and the risk calculation may be applied differently depending on the operator.

Next, the special credit management server 170 calculates the grade of each agency based on the risk grade based on the risk for each agency calculated in step S409 (S415). Calculation of the grade of the agent according to the risk is according to the above [Table 2], for example. According to the above example, since the risk of the agency A is 43, the grade of the agency A is managed by attention. According to the grade calculated as described above, the mobile carrier gives the dealer an additional special credit in addition to the existing credit or reduces the existing credit.

In this way, the result value calculated by the special credit management server 170 is stored as a table in the database. 2G illustrates an example of a table stored in a database of the special credit management server 170. As shown in FIG. 2G, a table stored in the database of the special credit management server 170 includes an agency code, It includes the credit limit excess rate of terminal payments, the credit limit excess rate of utility bills, the subscriber value over actual bonds, the share of terminal payments exceeding 30 days, the share of terminal payments exceeding 90 days, the rating class and the support field.

As described above, the method of the present invention may be implemented as a program and stored in a recording medium (CD-ROM, RAM, ROM, floppy disk, hard disk, magneto-optical disk, etc.) in a computer-readable form. Since this process can be easily implemented by those skilled in the art will not be described in more detail.

The present invention described above is capable of various substitutions, modifications, and changes without departing from the technical spirit of the present invention for those skilled in the art to which the present invention pertains. It is not limited by the drawings.

The present invention as described above, by collecting from each server interspersed with bond information and sales information, and credit limit information for credit rating evaluation of the external distribution network to calculate the risk of the external distribution network and assign a grade, Credit policy can be established, and the effect is to reduce the log of individual business databases. Furthermore, by collecting and centralizing each scattered data, it reduces the human resource consumption factor of the business unit and secures immediate control of bad debts, which is a serious problem recently.

Claims (10)

A distribution management system including a bond management server that manages the bond details of the external distribution network, a credit limit management server that manages the credit limit of the external distribution network, and a pump banking management server that manages the details of repayment of the bonds in the external distribution network. As a special credit management device for managing special credits in A data collector configured to collect the bond details, the credit limit, and the repayment details of the external distribution network in the bond management server, the credit limit management server, and the pump banking management server; A risk calculator configured to calculate a risk of the external distribution network based on the bond details, the credit limit, and the repayment details of the external distribution network collected by the data collection unit; And And a special credit rating calculator configured to calculate and assign a special credit rating of the external distribution network based on the risk of the external distribution network calculated by the risk calculation unit. The method of claim 1, The risk calculation unit, And subtracting the repayment details from the receivable details of the external distribution network, and calculating the risk of the external distribution network according to the ratio of the subtracted real credit details exceeding the credit limit. The method of claim 2, The risk calculation unit, Special credit management device, characterized in that for calculating the risk of the external distribution network in accordance with the ratio of the actual bond details of the external distribution network exceeds the credit limit, and the ratio of the bonds of the external distribution network overdue. The method of claim 2 or 3, The distribution management system further includes a subscriber management server that manages the status of subscribers managed by the external distribution network, The data collection unit additionally collects the status of subscribers managed by the external distribution network from the subscriber management server. The risk calculator, the special credit management device, characterized in that further considering the amount of the subscriber minus the value of the actual bonds of the external distribution network when calculating the risk. The method of claim 4, wherein The external distribution network, A special credit management device, characterized in that the unit organization for distributing and selling mobile communication terminal. As a method of managing a special credit of the external distribution network in a distribution management system for managing an external distribution network, (a) collecting the details of the bonds for the external distribution network and the details of the receivables from the external distribution network; (b) collecting a credit limit of the external distribution network; (c) calculating a risk of the external distribution network based on the collected credit limits of the external distribution network and the bond details of the external distribution network; And (d) assigning a special credit grade of the external distribution network based on the calculated risk of the external distribution network. The method of claim 6, After the step (a), further comprising the step of calculating the actual bond details of the external distribution network based on the bond details and repayment details; In the step (c), the special credit management method comprising calculating the risk of the external distribution network based on the collected credit limits of the external distribution network and the actual bond details of the external distribution network. The method of claim 7, wherein In step (c), And subtracting the repayment details from the receivable details of the external distribution network, and calculating the risk of the external distribution network according to the ratio of the subtracted real credit details exceeding the credit limit. The method according to claim 7 or 8, In the step (a), further collecting the subscriber status managed by the external distribution network, The step (c) of the special credit management method characterized in that additionally considering the amount of the subscriber minus the value of the actual bonds of the external distribution network when calculating the risk. The method of claim 9, The external distribution network, Special credit management method characterized in that the unit organization that distributes the mobile communication terminal.

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