KR102517832B1 - method and device for managing nonperforming loans - Google Patents

Abstract

The present invention relates to a method and device for managing bad loans. More specifically, the present invention relates to a non-performing loan management method and device that selects an optimal response method according to the risk level of a non-performing loan debtor. According to the present invention, a method for managing bad loans, which is performed by an apparatus, comprises the steps of: providing a web page with a delegation agreement, a bad debt information field, a creditor information field, a debtor information field, and a file upload function to a creditor's terminal; and providing, to a terminal of a non-performing loan management professional, first data which is bad loan information, second data which is creditor information, third data which is debtor information, fourth data which is the completed delegation agreement and documents related to bad loans, a debtor's credit information, non-performing loan risk rating, and response means.

Description

Nonperforming loan management method and device {method and device for managing nonperforming loans}

The present invention relates to a nonperforming loan management method and device, and more particularly, to a nonperforming loan management method and device for selecting an optimal response method according to a risk level of a nonperforming loan debtor.

Recently, the number of delinquents who are unable to pay their debts is increasing as the economic situation has changed rapidly. Accordingly, the non-performing loan market, in which non-performing loans are traded, is becoming more active. In addition, the importance of methods and devices for managing nonperforming loans has greatly increased.

In general, debt management methods include compulsory execution and collection. Compulsory execution is a method of recovering the debtor's property through auction, etc., and collection is a method of urging the debtor by wire or wireless method. If there is collateral, some or all of the amount may be recovered by compulsory execution;

The conventional bond management method was a method of manually operating according to the computer work and request of the person in charge. Because it relied too much on the person in charge's individual capabilities, it was not possible to establish an effective debt management method, and eventually the efficiency of debt management against cost could be greatly reduced.

Accordingly, a method and apparatus for systematically classifying debtors and selecting a method for efficiently responding to each debtor are required.

Korean Patent Registration No. 10-0487493 Korean Patent Registration No. 10-2079176 Korean Patent Registration No. 10-1760922 Korean Patent Registration No. 10-1667965

According to an embodiment, a web page having a delegation contract, a non-performing loan information section, a creditor information entry section, a debtor information entry section, and a file upload function is provided to a creditor terminal, and the non-performing loan information is provided to the terminal of a non-performing loan management specialist. 1 data, creditor information 2nd data, debtor information 3rd data, completed delegation contract and non-performing loan related documents 4th data, credit information of the debtor, nonperforming loan risk rating and countermeasures are provided. By facilitating communication between and professional personnel, obtaining the rating of nonperforming loans and providing the most effective response method accordingly, information on nonperforming loans by each risk level can be used and time and cost can be saved in managing nonperforming loans. It aims to provide you with the benefits you can.

In order to achieve the above object, the present invention provides a web page having a delegation contract, a non-performing loan information field, a creditor information field, a debtor information field, and a file upload function to a creditor terminal; and a terminal for non-performing loan management professionals. 1st data, which is nonperforming loan information, 2nd data, which is creditor information, 3rd data, which is debtor information, 4th data, which is documents related to nonperforming loans and completed delegation contracts, credit information of debtors, nonperforming loan risk ratings, and countermeasures. Provided is a non-performing loan management method comprising the step of providing.

In addition, as an embodiment, the present invention, after the step of providing a web page having a power of attorney agreement, a non-performing loan information column, a creditor information column, a debtor information column, and a file upload function to the creditor terminal, Receiving first data that is credit information, second data that is creditor information, third data that is debtor information, and fourth data that is documents related to a completed delegation agreement and nonperforming loans; acquiring credit information of the debtor by transmitting the second data to a server providing credit information; designating the nonperforming loan as one of low, medium, and high risk ratings based on the credit information; Selecting a response method based on the designated risk level; and selecting a non-performing loan management specialist, wherein first data of non-performing loan information, second data of creditor information, third data of debtor information, and completed delegation contract are sent to the terminal of the non-performing loan management specialist. After the step of providing the fourth data, debtor's credit information, non-performing loan risk rating, and countermeasure method, which are documents related to nonperforming loans, receiving the progress status of the countermeasure method from the terminal of the professional manpower; and to the creditor terminal The step of providing a progress status of the countermeasure method is further included, and the step of selecting a countermeasure method based on the designated risk level is to obtain information on nonperforming loans assigned to the same level as the risk level of the nonperforming loan from a memory, generate a reimbursement rate and an average reimbursement period of the risk level; Acquiring a first response method, which is the most applied response method to non-performing loans among non-performing loans designated for the same rating, and a second response method, which is the most applied response method to non-performing loans with a short period of time to complete repayment, ; If the specified risk level is a low risk level, sending a debt repayment fulfillment plan request message including the first data, a non-payment notification, a request for reasons for non-payment, a repayment date and a repayment amount to the debtor terminal; When the reason for non-fulfillment of repayment and the repayment fulfillment plan are obtained from the debtor terminal, the repayment rate of the low risk level and the average repayment period, the reason for non-fulfillment of repayment, the repayment fulfillment plan, the first response method and the second response method are obtained from the debtor terminal. to send; sending the coordination details to the debtor terminal when receiving coordination details for the repayment plan from the creditor terminal; when receiving consent to the reconciliation from the debtor terminal, sending a repayment plan applying the reconciliation to the creditor and the debtor terminal; selecting a third response method according to the reimbursement plan; if any one of the first and second correspondence methods is selected from the creditor terminal, selecting the selected correspondence method as a method for responding to the credit; sending a low-risk level repayment ratio, an average payment period, a first response method, and a second response method to the creditor terminal when the reason for non-fulfillment of payment and the payment fulfillment plan are not obtained from the debtor terminal; characterized in that if any one of the first correspondence method and the second correspondence method is selected from the creditor terminal, the selected correspondence method is selected as a correspondence method for the creditor; if the nonperforming loan is of medium risk level, sending the medium risk level of repayment ratio and average repayment period, the first response method and the second response method to the creditor terminal; if any one of the first and second correspondence methods is selected from the creditor terminal, selecting the selected correspondence method as a method for responding to the credit; if the nonperforming loan is of high risk level, sending the high risk level of repayment ratio and average repayment period, the first response method and the second response method to the creditor terminal; receive a discount rate applied according to any one of the first correspondence method and the second correspondence method selected from the creditor terminal and a repayment period; Sending, to the debtor terminal, a discount repayment amount guide message to which a discount rate is applied according to a repayment period; When a payment period is selected from the debtor terminal, a fourth response method to which the payment period is applied is selected as a response method for the credit.

In addition, as an embodiment, the present invention provides first data as nonperforming loan information, second data as creditor information, third data as debtor information, completed delegation contract and documents related to nonperforming loans to the terminal of the nonperforming loan management professional. After the step of providing the fourth data, debtor's credit information, nonperforming loan risk rating, and countermeasure method, based on the debtor's credit information, calculating the trust score of the nonperforming loan and sending it to the terminal of the professional manpower. Further including, the trust score of the nonperforming loan is,

[Equation 1]

Obtained using [Equation 1] above, where Bond_i is the trust score of bond i, X_cr is the credit rating, X_def is the number of defaults on repayment, X_cs is the number of creditors, and X_in is the amount of income. do.

In the case of using the nonperforming loan management method and device according to the present invention as described above, it is possible to provide a nonperforming loan management method and device for selecting an efficient response method for each nonperforming loan.

As described above, according to one embodiment of the present invention, it is possible to provide a nonperforming loan management method and apparatus for selecting a detailed response method by supporting the coordination of opinions between the creditor and the debtor.

As such, according to one embodiment of the present invention, it is possible to provide a nonperforming loan management method and apparatus for selecting an effective countermeasure method by utilizing statistics according to risk levels of nonperforming loans.

1 is a schematic diagram showing the relationship between a non-performing loan management device and a terminal according to an embodiment of the present invention.
2 is a flowchart of a non-performing loan management method according to an embodiment of the present invention.
3 is a flow chart of a non-performing loan management method when the non-performing loan is of a low risk level according to an embodiment of the present invention.
4 is a flow chart of a non-performing loan management method when the non-performing loans are of medium or high risk level according to an embodiment of the present invention.
5 is a flowchart for designating expert levels of professional personnel according to an embodiment of the present invention.

Since the present invention can make various changes and have various embodiments, specific embodiments will be illustrated in the drawings and described in detail in the detailed description. However, this is not intended to limit the present invention to specific embodiments, and should be understood to include all modifications, equivalents, and substitutes included in the spirit and scope of the present invention. Like reference numerals have been used for like elements throughout the description of each figure.

Terms such as first, second, A, and B may be used to describe various components, but the components should not be limited by the terms. These terms are only used for the purpose of distinguishing one component from another. For example, a first element may be termed a second element, and similarly, a second element may be termed a first element, without departing from the scope of the present invention. The terms and/or include any combination of a plurality of related recited items or any of a plurality of related recited items.

It is understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, but other elements may exist in the middle. It should be. On the other hand, when an element is referred to as “directly connected” or “directly connected” to another element, it should be understood that no other element exists in the middle.

Terms used in this application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly dictates otherwise. In this application, the terms "include" or "have" are intended to designate that there is a feature, number, step, operation, component, part, or combination thereof described in the specification, but one or more other features It should be understood that the presence or addition of numbers, steps, operations, components, parts, or combinations thereof is not precluded.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs. Terms such as those defined in commonly used dictionaries should be interpreted as having a meaning consistent with the meaning in the context of the related art, and unless explicitly defined in the present application, they should not be interpreted in an ideal or excessively formal meaning. don't

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a schematic diagram showing the relationship between a non-performing loan management device and a terminal according to an embodiment of the present invention.

Referring to FIG. 1 , an apparatus 100 according to an embodiment includes a processor 110 and a memory 120, and the apparatus includes a creditor terminal 200, a debtor terminal 300, and a professional management terminal 400. ) and data can be exchanged.

The device 100 may be a server, a cloud server, or a peer-to-peer (P2P) set of distributed nodes. In addition, since all or part of calculation, storage, reference, input/output and control functions can be performed, a nonperforming loan management method can be provided.

The processor 110 may perform at least one of the nonperforming loan management methods of the present invention.

As an embodiment, the processor 110 may provide a web page having a delegation contract, a non-performing loan information column, a creditor information column, a debtor information column, and a file upload function to the creditor terminal, and the non-performing loan information from the creditor terminal It can receive first data, second data that is creditor information, third data that is debtor information, and fourth data that is documents related to delegation contracts and nonperforming loans that have been completed, and send the second data to a server that provides credit information. to obtain credit information of the debtor, designate the nonperforming loan as one of low, medium, and high risk ratings based on the credit information, and select a response method based on the designated risk rating. A nonperforming loan management specialist may be selected, and the first to sixth data, credit information of the debtor, and the response method may be transmitted to the terminal of the specialist, and the progress status of the response method may be transmitted from the terminal of the specialist. may be received, and the progress status of the corresponding method may be provided to the creditor terminal.

In addition, the processor 110 can process a log-in process for the creditor terminal 200, the debtor terminal 300, and the professional management terminal 400 to interact with the nonperforming loan management device through the web page, and external It can also handle the process of maintaining the communication function that can send and receive data with the server.

The memory 120 may store information for performing a nonperforming loan management method or a program for implementing the nonperforming loan management method.

As an embodiment, the memory 120 provides a creditor terminal 200, a debtor terminal 300, a program capable of transmitting and receiving data to and from the management professional manpower terminal 400, and a web page for obtaining credit-related information from the creditor terminal. Programs that can be provided, programs that can provide credit information, programs that can designate risk levels for non-performing loans, programs that can provide countermeasures for each risk level, programs that can select professionals for managing nonperforming loans, Any one or more of creditor and debtor information, nonperforming loan information, nonperforming loan related documents, nonperforming loan management forms, debtor's credit information, and nonperforming loan information by risk level may be stored.

The creditor terminal 200, the debtor terminal 300, and the management expert terminal 400 may include all terminals capable of transmitting and receiving data and signals, such as computers, laptops, tablets, and smart phones.

In order to easily provide a non-performing loan management method to the creditor terminal 200 , the debtor terminal 300 , and the management expert terminal 400 , an app dedicated to non-performing loan management may be installed. A function for easily performing tasks related to nonperforming loans may be additionally provided to the management professional terminal.

As an embodiment, the device 100 may send a dunning call to the debtor terminal 300 using an automatic response system (ARS). In addition, a reminder may be generated using the reminder form obtained from the memory 120 and sent to the debtor's terminal or e-mail, or mail or contents certificate may be sent to the debtor's home or work address.

In addition, a recommended interview method and schedule according to the risk level of nonperforming loans may be provided to the management expert terminal 400 .

2 is a flowchart of a non-performing loan management method according to an embodiment of the present invention.

Referring to FIG. 2 , as an embodiment, in step S201, the device 100 provides a delegation contract, a non-performing loan information column, a creditor information column, a debtor information column, and a web page having a file upload function to the creditor terminal. .

A description may be written on the web page so that it is easy to capture documents related to non-performing loans using a camera function of the creditor terminal or a single camera and upload them to the web page.

As an embodiment, in step S202, the device receives first data as non-performing loan information, second data as creditor information, third data as debtor information, and fourth data as completed delegation contract and non-performing loan related documents from the creditor terminal. can receive

As an embodiment, the first data includes repayment conditions, non-fulfillment amount, overdue interest, principal balance, provisional payment, bond generation date, principal and interest payment number and amount and payment date, maturity date, account number, dunning history and date, etc. can be included And, if there is a guarantor, the guarantor's name, resident registration number, phone number, address, etc. may be included, and if there is a collateral, the owner of the collateral, appraised value, set amount, seniority amount, auction appraised value, etc. may be included.

The second data and the third data may include a name, resident registration number, phone number, address, work phone number, work address, and the like.

The fourth data may be a photograph, and valid text may be obtained using OCR (Optical Character Reader). When valid text is obtained, it may be arranged for each item and provided to the creditor terminal to request confirmation of information.

Further, the fourth data may include contracts, ledgers, transaction statements, account ledgers, transaction confirmations, promissory notes, judgments, IOUs, payment memorandums, notarial deeds, and the like.

In step S203, the device transmits the second data to a server where credit information is provided, and in step S204, the credit information of the debtor may be obtained.

The server provided with the credit information may be an internal server or a server of an external credit information provider. In the case of an external credit information provider, part of the fourth data required for the credit information investigation may be transmitted in order to request the credit information investigation.

Personal credit information of the debtor includes credit rating, number of creditors, age, gender, address, contact information, history of default on payment, amount of default on payment, history of payment performance, total income, tax payment information, credit card holding information, credit inquiry record information, provisional seizure , whether there is provisional disposition, whether or not there is a mortgage right, real estate, registered movable property, wage receivables, trade receivables, etc. may be included.

Corporate credit information of the debtor may include information such as type of business, corporate credit rating, reason for insolvency, location of business, whether or not business is owned, business period, sales, reason for non-fulfillment of repayment, total assets, equity capital ratio, current account transactions, presence or absence of associates, etc. there is.

In step S205, the device may designate the nonperforming loan as one of low, medium, and high risk levels based on the credit information.

As an embodiment, if the credit rating is from 1 to 10, if the credit rating obtained from the credit information is 1 to 6, it is low risk, if it is 7, 8, it is medium risk, and if it is 9, 10, it is high risk. It can be assigned by grade.

Or +1 if the non-performing loan amount of the debtor is less than the pre-specified standard amount, -1 if the income is less than the pre-specified standard amount, +1 if there is no default history, +1 if the tax payment performance is good, address If you are sure of your contact information and workplace information, you can predict your willingness to pay and your ability to pay by designating it as +1. If it is determined that the willingness to pay is firm and the ability to pay is good, it may be designated as a low-risk class.

In step S206, the device may select a countermeasure method based on the designated risk level.

The response method may be sending a dunning letter or proof of content via e-mail, text message, messenger conversation, mail, etc., or the debtor interview method such as message conversation, phone call, video call, face-to-face, etc., number of interviews, interview interval, etc. It may be a provisional seizure or provisional disposition, payment order, compulsory execution, property disclosure request, or legal action such as being listed on the list of defaulters. When the countermeasure method is implemented, the countermeasure method enforcement date, contents, opinions, and the like may be stored in the memory 120 .

In step S207, the device may select personnel specializing in nonperforming loan management. In one embodiment, nonperforming loan management specialists may be selected from among experts with experience in nonperforming loan management. If you have a lot of experience managing low, medium, and high risk levels among nonperforming loan management experiences, you can select the corresponding risk level first.

In addition, when selecting a nonperforming loan management specialist, a professional person close to the home address or work address of the debtor may be selected from the third data. If a professional person in close proximity is selected, it may be easy to conduct a direct interview to increase the debtor's willingness to repay.

In step S208, first data of non-performing loan information, second data of creditor information, third data of debtor information, fourth data of written delegation contract and documents related to non-performing loans, and debtor's credit Information and the corresponding method can be transmitted.

As an example, a nonperforming loan management expert may determine a risk level based on the credit information. When the risk rating directly determined by the expert is obtained from the terminal 400 of the nonperforming loan management expert, the apparatus compares the acquired risk rating with the acquired risk rating and selects all countermeasures based on each risk rating.

In addition, as an embodiment, a non-performing loan information search function may be provided to the terminal of the management expert. It is possible to provide information on nonperforming loans by risk class, amount of repayment of each nonperforming loan, period until repayment, average probability of repayment by class, average amount of repayment, and average repayment period. In addition, a plurality of conditions may be repeatedly checked to provide only non-performing loan information of the corresponding conditions. For example, information on non-performing loans with a medium risk level, a debtor's income of less than 3 million won, no default history, and no contact information may be provided. A more effective countermeasure may be derived by inquiring the repayment probability, repayment amount, repayment period, and countermeasure method of the nonperforming loans.

In addition, forms of various types of documents for managing non-performing loans may be provided to the terminals of the management experts. For example, a document to guide the situation of non-fulfillment, text message, e-mail, mail, etc., contents certificate form, document form necessary to process provisional seizure, provisional injunction, compulsory execution, etc., provided to professional management personnel or creditors Type of printing of information related to nonperforming loans to be paid, etc. If the content related to the relevant nonperforming loans needs to be entered in a form, etc., it can be automatically written and printed out. In addition, the contents certificate can be automatically created and sent to the post office server. The cost of sending the proof of content can be obtained by providing a payment interface to the creditor terminal or added to the payment.

In the case of non-performing loans with a high risk level, a non-performing loan request message may be sent to the creditor's terminal. When a sale decision signal is received from the creditor terminal, information on the nonperforming loan may be registered in the bond trading server.

In addition, as an embodiment, first data of non-performing loan information, second data of creditor information, third data of debtor information, and fourth data of written delegation contract and documents related to non-performing loans are provided to the terminal of the nonperforming loan management specialist. , After providing the debtor's credit information, non-performing loan risk rating, and countermeasure method, calculating a trust score of the non-performing loan based on the credit information of the debtor and transmitting the result to the terminal of the professional manpower. can

The trust score of the nonperforming loan is

[Equation 1]

Obtained using [Equation 1] above, Bond_i may be a trust score of bond i, X_cr may be a credit rating, X_def may be the number of defaults, X_cs may be the number of creditors, and X_in may be an income amount.

For example, if debtor A has a credit rating of 10, the number of non-payment is 1, the number of creditors is 1, and the income is 1 million won, the trust score of the nonperforming loan may be 3.2 points. If debtor B has the same credit rating, number of defaults, and number of creditors as debtor A, and the income of debtor B is 5 million won, the trust score may be 15.7 points. If debtor C has a credit rating of 5 and other conditions are the same as debtor B, the trust score may be 29.5.

By providing the trust score of the nonperforming loan to the terminal of the professional manpower, not only the risk level of the nonperforming loan but also the more accurate state can be known, and it can be easily compared with the trust score of other nonperforming loans. In addition, a similar trust score range can be searched for and a more efficient response method can be selected based on the relevant NPL information.

In step S209, the device may receive the progress status of the corresponding method from the terminal of the expert.

In the case of a response method performed by a device, the progress status can be automatically recorded when performed.

In step S210, the device may provide the progress status of the corresponding method to the creditor terminal.

An inquiry about progress status may be received from the creditor terminal. The corresponding inquiry may be sent to the terminal of the professional manpower. An answer to the inquiry may be received from the terminal of the professional manpower and sent to the terminal of the creditor.

3 is a flow chart of a non-performing loan management method when the non-performing loan is of a low risk level according to an embodiment of the present invention.

Referring to FIG. 3 , as an embodiment, the apparatus 100 may select a response method based on the designated risk level (S206).

In detail, as an embodiment, the device 100 may obtain information on non-performing loans assigned to the same level as the risk level of the non-performing loan from the memory 120 in step S301, and the repayment ratio of the risk level and You can create an average payback period.

In step S302, the device selects the first response method, which is the most applied response method for non-performing loans among the non-performing loans assigned to the same grade, and the first response method, which is the most applied response method for non-performing loans with a short period of time to complete repayment. 2 response methods can be obtained.

It is possible to obtain the most effective countermeasure method from information on non-performing loans that have been repaid, and to obtain the most efficient countermeasure method with a short period of time until repayment is completed. In addition, a plurality of response methods within a predetermined range, such as the most applied response method, the second most applied response method, and the third most applied response method among the response methods applied to non-performing loans that have been repaid, may be acquired. A plurality of countermeasures may be performed simultaneously and all of them recorded to derive increasingly effective countermeasures.

In step S303, when the designated risk level is a low risk level, the device sends the debtor terminal a plan for repayment of debts including the first data, notification of non-compliance with payment, request for reasons for non-compliance with payment, date of repayment and amount of repayment to the debtor terminal in step S304. You can send a request message.

As an embodiment, if the credit rating is from 1 to 10, if the credit rating obtained from the credit information is from 1 to 6, it may be a low risk rating. In addition, the debtor's willingness and ability to repay can be expected to be high, such as a small amount of default on repayment, a relatively high income, no or low history of default on repayment, a good tax payment record, and clear address, contact information, and work information. If present, it may be of low risk level.

In step S305, when the device obtains a reason for non-fulfillment of repayment and a plan for non-fulfillment of repayment from the debtor terminal, in step S306, the low-risk grade repayment ratio and average period of repayment, the reason for non-fulfillment of repayment, the repayment fulfillment plan, the above The first correspondence method and the second correspondence method can be transmitted.

If the reason for non-fulfillment of repayment and the plan for repayment are obtained from the debtor's terminal, it means that the willingness to repay is very high, giving the creditor and debtor an opportunity to coordinate their opinions.

In step S307, when the device receives the adjustment details for the repayment plan from the creditor terminal, the device may transmit the adjustment contents to the debtor terminal in step S308.

In step S309, when receiving consent to the reconciliation from the debtor terminal, the device may send a repayment plan applying the reconciliation to the creditor and debtor terminal in step S310.

In step S311, the device may select a third corresponding method according to the reimbursement plan.

Based on the repayment plan applying the reconciliation, the pre-specified repayment amount can be recovered on the scheduled repayment date. The third response method may be a method of delaying legal action until the scheduled repayment date. Reimbursement plans and the number of days remaining until the scheduled repayment date are sent through e-mail, text message, messenger chat, mail, etc., which are passive responses until the scheduled repayment date, or interviews such as message conversation, phone call, video call, face-to-face, etc. may be

The debtor terminal may be warned that strong countermeasures can be implemented if the repayment plan is not implemented.

In step S312, when one of the first correspondence method and the second correspondence method is selected from the creditor terminal, the device may select the selected correspondence method as the creditor correspondence method in step S313.

When the reason for non-performance of payment and the payment implementation plan received from the debtor terminal are not sufficient for the creditor or consent is not obtained, one of the first and second response methods may be selected.

In step S314, if the device fails to obtain the reason for non-fulfillment of payment and the payment fulfillment plan from the debtor terminal, it will send the low-risk level of repayment ratio, average payment period, first response method, and second response method to the creditor terminal. can

As in step S312, when one of the first and second correspondence methods is selected from the creditor terminal, as in step S313, the device may select the selected correspondence method as a method of responding to the credits. there is.

4 is a flow chart of a non-performing loan management method when the non-performing loans are of medium or high risk level according to an embodiment of the present invention.

Referring to FIG. 4 , as an embodiment, the device 100 may select a response method based on the designated risk level (S206).

In detail, as an embodiment, the apparatus 100 provides, in step S401, when the nonperforming loan is of medium risk level, the medium risk level of repayment ratio and average repayment period to the creditor terminal in step S402, and the first response method. and a second response method.

As an embodiment, if the credit rating is from 1 to 10, the credit rating obtained from the credit information is 7 or 8, it may be a medium risk rating. In addition, when the non-performing loan debtor has defaulted on payment, has income, has a history of defaulted on payment, has a decent tax payment record, and has address, contact, and workplace information, or is generally able to communicate with the debtor, it can be designated as a medium risk level. there is.

In step S403, when one of the first correspondence method and the second correspondence method is selected from the creditor terminal, the device may select the selected correspondence method as a method of responding to the credit in step S404.

In step S405, if the nonperforming loan is of high risk level, the device may transmit the high risk level of repayment ratio, average repayment period, and the first and second handling methods to the creditor terminal.

As an example, if the credit rating is from 1 to 10, if the credit rating obtained from the credit information is 9 or 10, it may be a high risk rating. In addition, there are many non-fulfillment histories and amounts of non-performing loan debtors, no income, many non-fulfilling histories of repayment, poor tax payment performance, no address, contact information, and workplace information, or communication with the debtor is impossible. may be classified as high risk.

If designated as a high risk level, a message informing the sale of non-performing loans may be sent to the creditor terminal. When an agreement to sell nonperforming loans is received from the creditor terminal, information on the nonperforming loans may be uploaded to a bond trading server.

When the nonperforming loan is sold, the creditor terminal may be notified of the collected money and inquired about a processing method, or the second data may be used to transfer the money to the creditor's account.

In step S406, the device may receive any one of the first correspondence method and the second correspondence method selected from the creditor terminal and a discount rate applied according to a repayment period.

Since the repayment rate and average repayment period of the high-risk class are very bad, a discount on the repayment amount may be proposed to the creditor terminal. As an embodiment, if the reimbursement period is less than one month, a 30% discount rate may be applied, and if it is one month later, it may be received that the discount rate is not applied. Different discount rates for each repayment period may play a role in increasing the debtor's willingness to repay within the period.

In step S407, the device may transmit, to the debtor terminal, a discount repayment amount guide message to which a discount rate is applied according to the repayment period.

As an example, if the discount rate is applied only when the repayment period is less than one month, the discount repayment amount by applying the discount rate and the remaining repayment period, such as 15 days, 10 days, 5 days, 1 day remaining until the corresponding repayment period, etc. to the debtor's terminal can be sent.

The debtor terminal may be warned that strong countermeasures can be implemented if the repayment plan is not implemented.

In step S408, when the payment period is selected from the debtor terminal, the device may select a fourth response method to which the payment period is applied in step S409 as a response method for the claim.

Reimbursement plans and the number of days remaining until the scheduled repayment date may be sent through e-mail, text messages, messenger conversations, mail, etc., which are passive responses until the repayment date, or interviews such as message conversations, phone calls, video calls, and face-to-face meetings may be conducted. there is.

5 is a flowchart for designating expert levels of professional personnel according to an embodiment of the present invention.

Referring to FIG. 5 , as an embodiment, after the step (S210) of providing the progress status of the corresponding method to the creditor terminal, in step S501, the apparatus 100 assigns a risk rating of non-performing loans from the creditor terminal. Each time, the first score set to be given when designating the risk level in step S502 may be added to the score of the professional manpower account accessed from the terminal of the professional manpower.

In step S503, whenever a countermeasure method for non-performing loans is specified from the creditor terminal, the second score set to be given when the countermeasure method is specified in step S504 is the rating of the professional manpower account accessed from the professional manpower terminal. can be added to

The risk level of non-performing loans and the response method may be directly designated through the professional manpower terminal. If there is a difference from the designated risk level and response method from the nonperforming loan management method and device according to the present invention, a more effective response method can be derived by implementing all of them. When a more effective response method is selected through the professional personnel terminal, the response method may be stored in a memory.

In step S505, whenever the device receives a response method implementation completion signal from the professional manpower terminal, the third score set to be added when the countermeasure method implementation is completed in step S506 is a professional manpower connected from the professional manpower terminal. It can be added to your account's rating.

The response method may be a response method designated from the nonperforming loan management method and apparatus according to the present invention or a response method directly designated through a terminal of a professional person.

In step S507, whenever the device receives a signal for completing the interview with the debtor from the terminal of the professional manpower, the fourth score set to be added when the interview is completed in step S508 is the rating of the professional manpower account connected from the terminal of the professional manpower. can be added to

Face-to-face interviews can earn higher scores than video calls, phone calls, messenger conversations, or text conversations. It can also encourage conversation starters that increase the debtor's willingness to pay by charging them a high score when first contacted with the debtor.

In step S509, the device adds the fifth score set to be added when the answer is completed in step S510 to the rating of the professional manpower account accessed from the terminal of the professional manpower whenever an answer to the inquiry of the creditor or debtor is completed. can do.

In addition, a score may be differentially applied by acquiring satisfaction with an answer from a creditor terminal or a debtor terminal.

In step S511, whenever the non-performing loan of the low risk level in charge is repaid, the sixth score, which is set to be added when the low risk grade repayment is completed in step S512, is added to the professional manpower account connected from the terminal of the professional manpower. can be added to the rating.

In step S513, the apparatus sets the seventh score, which is set to be added when repayment of the low risk grade is completed in step S514, whenever non-performing loans of the medium risk level in charge are repaid, to the professional manpower account accessed from the terminal of the professional manpower. can be added to the rating.

In step S515, whenever the repayment of non-performing loans of the high risk level in charge is completed, in step S516 the apparatus adds the eighth score set to be added when repayment of the low risk grade is completed to the professional manpower account accessed from the terminal of the professional manpower. can be added to the rating.

The sixth score, the seventh score, and the eighth score may be set as the sixth score>seventh score>eighth score, and the sixth to eighth scores may not be designated as points having an equal difference. For example, the sixth score may be 1, the seventh score may be 10, and the eighth score may be 100.

In step S517, the device may designate an expert level for a professional person based on the score of the professional person account. Professionals with high expert ratings can choose the non-performing loans they are responsible for, or can be provided with additional subsidies and incentives.

The methods according to the present invention may be implemented in the form of program instructions that can be executed by various computer means and recorded on a computer readable medium. Computer readable media may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on a computer readable medium may be specially designed and configured for the present invention or may be known and usable to those skilled in computer software.

Examples of computer readable media may include hardware devices specially configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. Examples of program instructions may include not only machine language codes generated by a compiler but also high-level language codes that can be executed by a computer using an interpreter and the like. The hardware device described above may be configured to operate with at least one software module to perform the operations of the present invention, and vice versa.

In addition, the above-described method or device may be implemented by combining all or some of its components or functions, or may be implemented separately.

Although the above has been described with reference to preferred embodiments of the present invention, those skilled in the art will variously modify and change the present invention within the scope not departing from the spirit and scope of the present invention described in the claims below. You will understand that it can be done.

100: device
110: processor 120: memory
200: creditor terminal
300: debtor terminal
400: management professional personnel terminal

Claims (3)

A method for managing nonperforming loans, performed by an apparatus, comprising:
Providing a web page having a delegation contract, a non-performing loan information column, a creditor information column, a debtor information column, and a file upload function to the creditor terminal;
1st data, creditor information, 3rd data, debtor information, 4th data, debtor’s credit information, debtor’s credit information, 3rd data, written delegation contract and documents related to nonperforming loan Including the step of providing bond risk ratings and countermeasures;
After the step of providing the creditor terminal with a web page having a delegation contract, a non-performing loan information column, a creditor information column, a debtor information column, and a file upload function,
Receiving, from the creditor terminal, first data as nonperforming loan information, second data as creditor information, third data as debtor information, and fourth data as written delegation contract and nonperforming loan related documents;
acquiring credit information of the debtor by transmitting the second data to a server providing credit information;
designating the nonperforming loan as one of low, medium, and high risk ratings based on the credit information;
Selecting a response method based on the designated risk level; and
Including the further step of selecting non-performing loan management experts,
The first data, which is non-performing loan information, the second data, which is creditor information, the third data, which is debtor information, the completed delegation contract and the fourth data, which are documents related to non-performing loans, the debtor's credit information, After the step of providing nonperforming loan risk ratings and countermeasures,
Receiving a progress status of the countermeasure method from a terminal of the nonperforming loan management expert; and
Further comprising providing a progress status of the corresponding method to the creditor terminal,
In the step of selecting a response method based on the designated risk level,
obtaining information on nonperforming loans assigned to the same level as the risk level of the nonperforming loans from the memory, and generating a repayment ratio and an average repayment period of the risk level;
Acquiring a first response method, which is the most applied response method to non-performing loans among non-performing loans designated for the same rating, and a second response method, which is the most applied response method to non-performing loans with a short period of time to complete repayment, ,
When the designated risk level is a low risk level, the debtor terminal sends a bond repayment fulfillment plan request message including the first data, a non-compliance notification, a request for reasons for default in repayment, a repayment date and a repayment amount,
When the reason for non-fulfillment of repayment and the repayment fulfillment plan are obtained from the debtor terminal, the repayment rate of the low risk level and the average repayment period, the reason for non-fulfillment of repayment, the repayment fulfillment plan, the first response method and the second response method are obtained from the debtor terminal. send,
When receiving coordination details for the repayment fulfillment plan from the creditor terminal, sending the coordination details to the debtor terminal;
Upon receiving consent to the reconciliation from the debtor terminal, sending a repayment implementation plan to which the reconciliation is applied to the creditor and debtor terminals;
Selecting a third response method that follows the reimbursement implementation plan;
When one of the first correspondence method and the second correspondence method is selected from the creditor terminal, the selected correspondence method is selected as a response method for the creditor;
If the reason for non-fulfillment of repayment and the repayment fulfillment plan are not obtained from the debtor terminal, the low-risk grade repayment ratio, average repayment period, first response method, and second response method are transmitted to the creditor terminal;
Characterized in that, when any one of the first correspondence method and the second correspondence method is selected from the creditor terminal, the selected correspondence method is selected as a response method for the credit;
When the nonperforming loan is of medium risk level, sending the medium risk level repayment ratio and average repayment period, the first response method and the second response method to the creditor terminal;
Characterized in that, when any one of the first correspondence method and the second correspondence method is selected from the creditor terminal, the selected correspondence method is selected as a response method for the credit;
When the nonperforming loan is of a high risk level, sending the high risk level of repayment ratio, average repayment period, and the first response method and the second response method to the creditor terminal;
Receiving a discount rate applied according to any one of the first correspondence method and the second correspondence method selected from the creditor terminal and a repayment period;
Sending a discount repayment amount guidance message to the debtor terminal to which a discount rate is applied according to the repayment period;
When a repayment period is selected from the debtor terminal, a fourth response method to which the repayment period is applied is selected as a response method for the claim;
The first data, which is non-performing loan information, the second data, which is creditor information, the third data, which is debtor information, the completed delegation contract and the fourth data, which are documents related to non-performing loans, the debtor's credit information, After the step of providing nonperforming loan risk ratings and countermeasures,
Based on the credit information of the debtor, calculating a trust score of the nonperforming loan and transmitting the information to a terminal of the nonperforming loan management specialist to search for information on nonperforming loans having a trust score similar to the trust score;
[Equation 1]

Obtained using the above [Equation 1], where Bond_i is the trust score of bond i, X_cr is the credit rating of the debtor, X_def is the number of non-payment of the debtor, X_cs is the number of creditors, X_in is the debtor's income,
After providing the progress status of the corresponding method to the creditor terminal,
Each time a response method implementation completion signal is received from the terminal of the NPL management expert, the score set to be added when the response method is completed is added to the NPL management expert account connected from the NPL management specialist's terminal. add to the rating,
Every time a debtor interview completion signal is received from the terminal of the non-performing loan management specialist, the score set to be added when the interview is completed is added to the score of the non-performing loan management specialist account accessed from the non-performing loan management specialist's terminal do,
Each time an answer to a creditor or debtor's inquiry is completed through the terminal of the non-performing loan management specialist, the score set to be added upon completion of the answer is given to the non-performing loan management specialist connected to the non-performing loan management specialist's terminal. add to the rating of the account;
Whenever non-performing loans of a low risk level in charge of the non-performing loan management professional through the terminal of the non-performing loan management professional are repaid, a score set to be added at the time of completion of the low-risk class repayment is added to the non-performing loan connected from the terminal of the non-performing loan management professional Add to the rating of the Receivables Administration Professional Account,
Whenever non-performing loans of medium risk level are completed through the terminal of the non-performing loan management specialist, the score set to be added when repayment of medium risk level is completed is added to the non-performing loan connected from the terminal of the non-performing loan management specialist. Add to the rating of the Receivables Administration Professional Account,
Whenever the non-performing loans of the high-risk class in charge of the non-performing loans managed through the terminal of the non-performing loan management professional are completed, the score set to be added at the time of completion of the high-risk class repayment is added to the non-performing loan connected from the terminal of the non-performing loan management expert. Add to the ratings of the accounts receivables management specialist account;
Based on the ratings of the nonperforming loan management professional account, the expert level of the nonperforming loan management professional is designated;
The non-performing loan management method, characterized in that, if the non-performing loan management professional with a high expert level is selected as the non-performing loan management professional in the step of selecting the non-performing loan management professional, selecting whether or not to be in charge of the non-performing loan. delete delete

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