KR20020009789A - System for network-based security loan service using a financial properties - Google Patents

Abstract

PURPOSE: A system for providing a loan service capable of taking financial property as security based on a network is provided to enable a user to conveniently use a service for loan on security by enabling the user to maintain each property of banks with which the user is dealing and to compare each loan product of the banks, and by enabling the user to get a loan. CONSTITUTION: A communication network(100) connects communication lines of a plurality of user computer(200), a server computer(300) and a plurality of bank server(400). The user computers(200) receive all sorts of financial property data from the server computer(300) and outputs financial property data to be provided as security to the server computer(300). The server computer(300) receives all sorts of financial property data to be provided as security to a specific bank server(400). In addition, the server computer(300) connects a specific bank server(400) and provides a service for automatically extending a loan period in case that the user who received the loan service additionally provides a security.

Description

System for network-based security loan service using a financial properties}

The present invention relates to a network-based financial asset security loan service system.

More specifically, a computer user using a site that provides a financial portal service can borrow a certain amount of money from his or her own financial assets through a specific financial institution that is affiliated with the site online. The present invention relates to a network-based financial asset security loan service system.

In general, the Internet is an open network that can be used freely by applying a common protocol called TCP / IP (Transmission Control Protocol / Internet Protocol) to the other computer that anyone wants to access anywhere in the world. In addition to the delivery, as well as the development of compression technology and the delivery of multimedia information, various services such as e-mail, file transfer, and the World Wide Web (WWW) can be used.

As the use of the Internet is rapidly increasing in Korea and around the world, it is rapidly increasing in importance as a strategic tool for improving efficiency and productivity in all parts of the existing industry, and new business opportunities are continuously created through the Internet. The number of service providers on the Internet is increasing.

As a result of the development of the Internet, financial institutions, which have adhered to the traditional sales method, participate in the internet sales, and much of the traditional sales methods are implemented on the internet. However, there are not many unique financial products that have made use of the advantages of the Internet so far, and each financial company's implementation on the Internet has the advantage that customers can receive services without visiting the financial companies directly. Did not realize the unique advantage of using the network.

In other words, since the Internet is connected by a network, it is convenient if the customer can freely lend within the limit of the total collateral based on the collateral held by each financial institution and the collateral provided by the financial institution. Due to the lack of a systematic system, it is unable to implement a loan service that takes advantage of the network.

For example, there is no service that allows a customer to borrow the full amount of his or her financial assets held by multiple financial institutions, so that each client owns his or her financial assets at multiple financial institutions. In order to secure a loan as an asset, it was inconvenient to visit a financial institution in person and compare loan products with each other.

In addition, existing loans, even if other financial assets other than mortgage financial assets are in other financial institutions, have not been provided with a networked collateral provision function until now, so that automatic loan extension could not be extended through additional collateral. If you do not consult with a financial institution to provide additional collateral, you may have an unreasonable problem of having a security right exercised even if the customer has sufficient collateral.

An object of the present invention is to solve the above-mentioned problems, computer users using a site that provides a financial portal service own financial assets owned by each financial institution through a specific financial institution that is affiliated with the site online To provide a network-based financial asset mortgage lending service system that allows a certain amount to be loaned as collateral.

1 is a block diagram schematically showing the configuration of a network-based financial asset security loan service system according to the present invention;

2 is a flowchart illustrating in detail the operation of the network-based financial asset security loan service method according to the present invention;

3 to 7 are flowcharts showing in detail the operation of each subroutine of FIG.

8 is a flowchart illustrating in detail the operation of the additional security provision routine of FIG.

9 is a flowchart illustrating in detail the operation of the unrefined treatment routine of FIG. 7.

Explanation of symbols on the main parts of the drawings

100: network communication network

200: your computer

300: server computer

400: financial institution server

The network-based financial asset security loan service system according to the present invention for achieving the above object comprises: a network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; After accessing the financial portal service established on the network, the user can use the loan service provided by the financial asset provided by the outside to output the mortgage retrieval inquiry data input by the user. After receiving the total financial asset data that can be provided as the collateral of the user from the user, the collateral loan request data input by the user and the financial asset data to be provided as collateral are output to the outside, and loan products for each financial institution from the outside After receiving the data, the user selects a specific loan product selection data to be output to the outside to transfer a predetermined loan from the relevant financial institution, and when the loan settlement date arrives, a plurality of users perform payment of the loan by depositing the payment to the designated account. A computer; Establishes an alliance related to lending service support secured from financial assets and externally providing financial portal services, and secures the financial assets held by one or more financial institutions if the user requests a collateral loan service from outside. A plurality of financial institution servers providing a predetermined loan and receiving repayment of a loan from a corresponding user on a loan settlement date; Establish a partnership related to lending service support for a plurality of financial institutions and financial assets, and when the security loan inquiry data is input from a plurality of user computers, the corresponding users can provide collateral through a plurality of financial institution servers. Receive total financial asset data and output it to the user's computer, and when the user inputs the security loan request data and the financial asset data to be provided as collateral, the plurality of loan product data provided by the plurality of financial institution servers When the user selects a specific loan product data, the user outputs the financial asset data and the collateral loan request amount data to be provided as collateral to the specific financial institution server providing the loan product so that the loan is made. It is characterized by including a server computer.

In addition, the network-based financial asset security loan service method according to the present invention, (1) the process for the user to use the loan service with the financial asset as collateral to access the server computer to query the mortgage availability; ; (2) selecting and entering a security loan request amount and a loan condition based on a financial asset to be provided as security by the user; (3) a process in which a user selects a loan product for each financial institution provided by a server computer and receives a loan service secured by financial assets through a specific financial institution; (4) If the user requests a loan during the mortgage period, the server computer replaces the financial asset set as collateral through the financial institution server or terminates the mortgage. ; (5) When the term of the mortgage is expired, the user may repay the loan to a specific financial institution to terminate the mortgage.

Hereinafter, with reference to the accompanying drawings will be described in detail the network-based financial asset security loan service system of the present invention.

1 is a block diagram schematically showing the configuration of a network-based financial asset security loan service system according to the present invention.

As shown, the network communication network 100 is a communication network such as a wired / wireless internet, and connects a communication line between a plurality of user computers 200, a server computer 300, and a plurality of financial institution server 400 to be described later. In this way, the data communication related to the lending service secured by the financial assets is mutually established.

The plurality of user computers 200 have a communication environment that can be connected to the server computer 300 that provides the financial portal service established in the network communication network 100, and secures the financial assets provided by the server computer 300. In order to use the loan service, the security loan availability inquiry data input by the user is output to the server computer 300, and the total financial asset data that can be provided as the security of the user from the server computer 300 is inputted. After receiving the data, the security loan data input by the user and the financial asset data to be provided as collateral are output to the server computer 300.

The plurality of user computers 200 receives loan product data for each financial institution from the server computer 300, and then outputs the specific loan product selection data input by the user to the server computer 300 and then predetermined data from the financial institution. The loan is remitted, and when the loan settlement date arrives, the payment is made to the pre-designated financial account to repay the loan.

At this time, the financial assets that users can provide as collateral must not have been previously secured and there should be no reason for suspension of payment.

The server computer 300 establishes an alliance relationship with a plurality of financial institutions and loan service support secured by financial assets, and when the security loan availability inquiry data is input from the plurality of user computers 200, the plurality of financial institution servers Receive the total financial asset data that the user can provide as collateral through the (400) and outputs to the user computer (200).

In addition, when the user inputs the security loan request data and the financial asset data to be provided as collateral, the server computer 300 displays the plurality of loan product data provided by the plurality of financial institution server 400 to be described later. If the user selects a specific loan product data, the loan is output to the specific financial institution server 400 providing the loan product by outputting the financial asset data and the collateral loan request amount data to be provided as collateral. To be done.

The plurality of financial institution server 400 establishes a partnership relationship with the server computer 300 providing the financial portal service and the loan service support secured by the financial asset, and the user is requested when the security loan service of the user is requested. The loan is provided as collateral on the financial assets held by the above financial institution, and the loan is repaid from the user on the loan settlement date.

In addition, the plurality of financial institution server 400 includes the social security number of the user, the social security number of the user associated with the loan between the financial institutions, the current holding status of individual financial assets, the mortgage rate by the financial assets, and financial holdings. Partnerships should be established to share basic data such as collateral provision status and suspension of payment by asset.

In this case, the above-described server computer 300, so that users using the loan service as collateral for the financial asset can designate and select a part of the total financial assets held in one or more financial institutions to apply for a secured loan service. In other words, when a user who does not have a transaction with a specific financial institution designates and selects a financial asset to be provided as collateral, the loan product of a specific financial institution that has a partnership with the server computer 300 may be selected and used.

In addition, the server computer 300 automatically connects to a specific financial institution server 400 that provided the loan when the user provided with the loan service as collateral for his or her financial assets provides the collateral automatically. It provides a service to extend, and provides a service that allows a user who is provided with a loan service with his or her financial asset as a collateral to replace a specific financial asset provided as collateral during another mortgage.

In addition, when the user provided with the loan service as the security of his financial asset requests the termination of the security loan, the server computer 300 connects the specific financial institution server 400 that provided the loan to the middle of the financial institution. The user shall be able to exercise the rights of the financial asset by canceling the suspension of payment of the financial asset of the user who received the termination fee and loan from the user and provided it as collateral.

Next, an embodiment of the network-based financial asset security loan service method according to the present invention configured as described above will be described in detail with reference to FIGS. 2 to 9.

2 to 9 are flowcharts showing in detail the operation of the network-based financial asset security loan service method according to the present invention.

First, in order for a user to use a loan service having a security as his or her financial asset, the user must access the server computer 300 through the network communication network 100 to inquire the mortgage availability (S100).

In detail, the user proceeds with a communication connection to the server computer 300 that provides the financial portal service through the network communication network 100, performs a login (S110), and retains himself as the server computer 300. Inquiry on the degree of mortgage that can be borrowed as a collateral financial asset (S120).

Then, the server computer 300 provides the personal information of the user to the plurality of financial institution server 400, which has been previously established affiliation, and the financial asset data held by the user from the financial institution server 400 It is provided (S130).

In addition, the server computer 300 receives from the plurality of financial institution server 400 that the partnership is set, information on the mortgage rate of the financial institution according to the financial assets held by the user (S140).

Subsequently, the server computer 300 may secure the amount of mortgage for each financial asset owned by the corresponding user provided from the plurality of financial institution server 400, the total amount of mortgage for the total financial asset, and the mortgage rate according to the financial asset. The information is output to the corresponding user computer 200 (S150).

As described above, after the user receives the corresponding data from the collateral loan limit through his / her financial assets and receives the corresponding data from the server computer 300, the collateral loan request amount based on the financial assets to be provided as collateral, Select and enter the loan conditions of the loan period (S200).

In detail, the user inputs an amount he / she wants to borrow according to predetermined form data provided from the server computer 300 (S210), and collaterals among a plurality of financial assets held by the server computer 300. Select one or more financial assets to provide (S220), and enter the desired loan period (S230). In other words, the loan condition that the user can receive the mortgage.

Then, the server computer 300 determines whether the mortgage loan is possible through the loan amount input by the user, the mortgage providing financial assets, the loan period (S240).

As a result of the determination, if the security loan is possible, the server computer 300 receives and inputs a sequence number of the financial assets that can be additionally provided for in case unpayment occurs when the loan period of the user expires (S250).

However, when the result of the determination in step S240 is not possible, the user provides the collateral additional assets other than an affiliate to the server computer 300 as collateral and repeats the above step S210 afterwards. S260).

That is, as shown in FIG. 8, the server computer 300 determines whether the user wants to provide assets as collateral by adding assets other than affiliates (S261), and when the user wants to provide additional collateral, provided as collateral. By calculating the remaining period and the collateral value of the entire financial assets, and the loan period and the loan amount of the user to output the shortage of security by period to the user computer (200) (S262).

If the user selects a specific financial institution to provide additional collateral (S263), the asset of the financial institution selected by the user is provided as an additional collateral (S264).

At this time, in the above-described step (S261), the user who wants to provide additional collateral may not only be available online, but may also visit the local branch directly and provide additional collateral, in addition to the real estate collateral or guaranteed name of another person offline. Of course, we can provide additional property as collateral.

In addition, after entering the above-described collateral loan conditions (S210 to S230), the user may set the replacement time of the financial assets provided as collateral in the server computer 300 in advance. As such, the reason for allowing the replacement of a financial asset in advance is that if a certain financial asset held by the user is tied up for one year due to another loan before the point at which the user is currently trying to take a loan, the collateral is secured after the loan is completed. This is to enable additional provision.

Now, after the user selects a security condition through the above-described process (S200), a loan service for a financial asset is provided through a specific financial institution by selecting a loan product for each financial institution provided by the server computer 300 ( S300).

In detail, when the server computer 300 outputs a plurality of financial institution-specific loan product data suitable for the loan condition selected by the user to the corresponding user computer 200 (S310), the user may provide the plurality of loan product data provided by the server computer 300. A specific loan product is selected from the loan product data of each financial institution (S320).

When the user selects a specific loan product, the server computer 300 outputs the terms and conditions of the specific loan product selected by the user to the corresponding user computer 200 so that the user checks it (S330).

In this case, the terms and conditions of the specific loan products described above include the details of the processing of unpaid loans, and the provision of automatic supplementary collateral for unpaid loans is based on a predetermined loan allowance period, and the condition that the loans can be repaid midway. Attached.

Subsequently, the server computer 300 determines whether the user finally selects a loan service secured by the financial asset (S340), and when the user finally selects the secured loan, the user holds the financial asset provided as the collateral. The specific financial institution server 400 processes the stop of payment of the corresponding financial asset (S350).

In addition, it is determined whether the time when the user applied for a loan is within the business hours of the financial institution (S360), and when it is within the business hours, the corresponding financial institution server 400 transfers the loan to the financial account designated by the user ( S370), when the business hours are exceeded, the corresponding financial institution server 400 transfers the corresponding loan to the financial account specified by the user on the next business day and sets the date of the loan payment to the next business day.

After the loan is provided as a collateral for the financial asset through the above-described process (S300), the server computer 300 receives the loan in response to the user's request during the mortgage loan period. Through the process of replacing the financial assets set as collateral or the mortgage loan cancellation process, and if there is no user request, skip this process and performs the process (S500) (S400). That is, each step of the above-described process (S400) is performed only when the user presets the security replacement time.

In detail, the server computer 300 checks the replacement time of the financial asset provided by the user as collateral (S410), and determines whether the replacement time of the financial asset provided by the user is secured (S420).

If it is determined that the replacement time of the financial assets provided by the user arrives, the collateral is replaced with another financial asset (S430), and the payment stop set on the corresponding financial asset released from the collateral after the collateral replacement is released (S440).

In addition, the server computer 300 determines whether the user requests the payment of the loan by canceling the payment during the loan period (S450), and when the request for the cancellation of the specific financial institution server 400 that provided the security loan After consolidating a predetermined fee according to the termination of the connection to the user (S460), when the predetermined fee is settled according to the termination of payment, the payment suspension set on the financial asset provided as collateral is released (S470).

However, as a result of the above-described determination (S450), in the case of not requesting the termination of the loan, it is determined whether the mortgage loan period has expired, and when the loan period expires, the mortgage loan repayment process (S500) to be described below is performed, and the loan period. If it is not expired, the process is repeated after the above step S420 (S480).

Now, when the security loan period with the security of the user's financial assets expires, the user ends the mortgage service by repaying the loan to a specific financial institution (S500).

In detail, when the loan period expires, it is determined by the user whether the loan payment amount is deposited into a pre-designated financial account (S510). The unrefined treatment is performed as in (S520).

When the loan settlement amount is deposited into a predetermined financial account as a result of the determination in step S510, it is determined whether the financial institution that provided the security loan to the corresponding user is the same as the financial institution that has the financial assets provided as collateral ( S530).

If it is determined that the financial institution that provided the security loan to the user and the financial institution that has the financial assets provided as collateral are the same, the payment suspension set for the financial asset provided as collateral is released from the financial institution server 400 (S540).

However, if the financial institution that provided the mortgage to the user and the financial institution that has the financial assets provided as collateral are not the same as the result of the determination in step S530, the loan is provided at a predetermined rate between the financial institutions in advance. Financial institutions that have financial assets provided as collateral with financial institutions allocate loan income and risks (S550). In this case, the distribution of the loan income and the risk is reasonable to distribute the risk equal to the distribution ratio of the loan income, and if the user provided the financial assets of several financial institutions as collateral, the amount of the financial assets provided as collateral is secured. Based on the weighted average ratio of the total amount, it is recognized as collateral for the loan amount to distribute the loan profit and risk.

At this time, the above-mentioned non-payment processing step (S520), as shown in Figure 9, it is determined whether the value of the financial assets previously set as collateral exceeds the total amount to be reimbursed when extended (S5201), set as collateral If the value of the financial assets exceeds the total amount to be reimbursed upon extension, the loan extension to the financial assets previously provided as collateral is automatically performed (S5202).

However, if the value of the financial assets set as collateral does not exceed the total amount to be repaid upon extension, it is determined whether there is a financial asset that is not provided as collateral held by the user (S5203).

As a result of the determination, if there is a financial asset that is not provided as collateral, the additional collateral is automatically provided according to a pre-specified collateral provision sequence, the loan is extended, and the payment is stopped for the financial asset provided as the additional collateral (S5204). In addition, a late loan fee proportional to the overdue period is charged to the corresponding user (S5205).

After that, it is determined whether the loan period of the additional collateral for which the loan is extended expires (S5206), and when the loan deadline of the additional collateral is expired, whether the settlement loan amount and the additional cost (deferred fee) are deposited into a predetermined financial account. It is determined (S5207).

If the settlement loan amount and additional costs are deposited into a pre-designated financial account, the mortgage service is terminated.

However, as a result of the above-described determination in step S5206, when the loan term of the additional collateral has not expired, it is determined whether the settlement loan amount and the additional cost are deposited into the designated financial account (S5208), and the settlement loan amount and the addition. If the cost is deposited midway into the designated financial account, the mortgage service ends, and if the settlement loan amount and the additional cost are not halfway deposited into the designated financial account, the above-described step (S5206) is repeated.

In addition, if the determination result of the above-described step (S5207) indicates that the settlement loan amount and the additional cost are not deposited into the predetermined financial account, it is determined whether the number of extension of the loan has exceeded n times allowed in advance and exceeds n times. The security right exercise of step S5210 to be described below is performed, and if it does not exceed n times, the above step S5201 and subsequent steps are repeated.

On the other hand, as a result of the above-described determination (S5203), if there is no financial asset provided as collateral, the financial institution server 400 exercises the security right (S5210).

After the exercise of the security right, it is determined whether the security right is equal to or greater than the total repayment amount to be reimbursed by the user (S5211).

If it is determined that the security right is equal to or greater than the total repayment amount to be reimbursed by the user, the remaining amount after the exercise of the security right is transferred to the user's designated financial account (S5211), and if the security right is less than the total repayment amount to be reimbursed by the user, insufficient loans As a result, the loan is processed as a bad asset and the mortgage service is terminated (S5212).

As described above, according to the network-based financial asset mortgage service system of the present invention, each computer user who deals with various financial institutions accesses the server computer that provides the financial portal service, and then the assets of each financial institution that he or she has dealt with. You can get loans through certain financial institutions as collateral for the financial assets you own as much as you need while maintaining the same value, and you have assets that are not held secured by other financial institutions, or If the unsecured free mortgage rate remains, the loan period is automatically extended and the mortgage service is very convenient because you only need to pay interest to the financial institution that is lower than the general late fee.

In addition, each computer user can compare and select all loan products of affiliated financial institutions that can be borrowed based on the financial assets he owns, so the choice is broader and superior loan products can be compared and selected at one place. There is an advantage.

In addition, the financial institution that provides the collateral has the advantage of creating a new revenue source because it can obtain a certain amount of profit from the financial institution even if another financial institution makes a loan with the financial assets held by the customer. In addition, financial institutions that carry out loans secured by financial assets of other financial institutions can broaden the scope of loan product sales as long as their lending products are competitive, and they can secure loan risks in connection with financial institutions that provide collateral. The risk of insolvency can be reduced by preventing the financial institution that provided the collateral from allowing the collateral to increase the collateral rate unfairly, and the automatic addition and replacement of the collateral for loan extension can be performed automatically. There is an advantage that can significantly reduce the waste.

In addition, the server computer that provides the financial portal service can obtain additional revenues such as advertisements by acquiring many excellent customers, and can obtain a certain fee from each financial institution participating in the financial asset mortgage lending service. It is effective to secure the.

Herein, while the present invention has been described with reference to the preferred embodiments, those skilled in the art will variously modify the present invention without departing from the spirit and scope of the invention as set forth in the claims below. And can be changed.

Claims (19)

A network communication network which connects a plurality of unspecified communication lines to perform data communication with each other; After connecting to the outside that provides the financial portal service established in the network communication network and outputs the mortgage availability query data input by the corresponding user to use the loan service with the financial assets provided outside, After receiving the total financial asset data that can be provided as collateral for the user from the outside, the collateral loan request data entered by the user and the financial asset data to be provided as collateral are output to the outside, and loaned by a plurality of financial institutions from the outside After receiving the product data and outputting the specific loan product selection data input by the user to the outside to receive a predetermined loan payment from the financial institution, and when the loan settlement date arrives, a plurality of payments are made by depositing the payment to the designated account User computer; Establishes an alliance related to lending service support secured from financial assets and externally providing financial portal services, and secures the financial assets held by one or more financial institutions if the user requests a collateral loan service from outside. A plurality of financial institution servers providing a predetermined loan and receiving repayment of a loan from a corresponding user on a loan settlement date; And Set up a partnership relationship with the plurality of financial institutions and the loan service support secured by financial assets, and when the security loan availability inquiry data is input from the plurality of user computers, the corresponding user is secured through the plurality of financial institution servers. Receive the total financial asset data that can be provided by the user and output it to the user's computer, when the user inputs the security loan request data and the financial asset data to be provided as collateral, a plurality of loans provided by the plurality of financial institution server The product data is output to the user's computer, and when the user selects specific loan product data, the loan is made by outputting the financial asset data and the collateral loan request amount data that the user provides as collateral to the specific financial institution server that provides the loan product. Configured, including server computers, to make this happen Network-based financial assets, mortgage services system as claimed. The method of claim 1, wherein the server computer, A network-based financial asset mortgage lending service system that allows users who use loan services as collateral to designate and select some of the total financial assets held by one or more financial institutions to apply for collateral loan services. . The method of claim 1, wherein the server computer, Network based on the fact that when a user who is provided with a loan service as collateral for his financial assets provides additional collateral, the service is provided to automatically extend the loan period by connecting the specific financial institution server that provided the loan. Financial asset-backed loan service system. The method of claim 1, wherein the server computer, A network-based financial asset mortgage lending service system, characterized in that a user who is provided with a loan service with his or her financial asset as a collateral can replace the financial asset provided as a collateral during the mortgage period with another financial asset. The method of claim 1, wherein the server computer, When a user who is provided with a loan service as collateral for his or her financial asset requests termination of the mortgage, the specific financial institution server that provided the loan is connected to receive the middle termination fee and the loan from the user as collateral. A network-based financial asset security loan service system, characterized in that a payment is suspended from a financial asset of a corresponding user. (1) a process in which a user for using a loan service secured by financial assets accesses a server computer and inquires about the security loan availability; (2) selecting and entering a security loan request amount and a loan condition based on a financial asset to be provided as collateral by the user; (3) a process in which a user selects a loan product for each financial institution provided by a server computer and provides a loan service for a financial asset through a specific financial institution; (4) a process of replacing a financial asset set as collateral through the financial institution server or canceling a collateral loan at the server computer at the request of the user during the security loan period, and proceeding the security loan if the user does not request it; And (5) A network-based financial asset mortgage lending service method comprising the step of ending a mortgage by repaying a loan to a specific financial institution when the mortgage period expires. The method of claim 6, wherein the process (1), (1-1) a user performing a communication connection to a server computer via a network communication network to perform a login; (1-2) inquiring about the mortgage availability to allow the user to secure the financial assets held by the server computer as collateral; (1-3) receiving financial asset data held by the corresponding user from a plurality of financial institution servers which have set up an affiliate relationship in the server computer; (1-4) receiving mortgage rate information according to the financial assets held by the corresponding user from a plurality of financial institution servers that have established an alliance with the server computer; And (1-5) On the server computer, information on the amount of mortgage available for each financial asset owned by the user provided from a plurality of financial institution servers, the total amount of mortgage for the total financial asset, and the mortgage rate information according to the financial asset. Network-based financial asset security loan service method comprising the step of outputting to the user computer. The method of claim 6, wherein the process (2), (2-1) inputting the amount of money the user wants to borrow according to predetermined form data provided by the server computer; (2-2) selecting a financial asset to be provided as collateral among a plurality of financial assets owned by the user provided by the server computer; (2-3) the user inputting a desired loan period in accordance with predetermined form data provided by the server computer; (2-4) determining whether the loan is possible through the loan amount of the user, the mortgage providing financial asset, and the loan terms of the loan period at the server computer; (2-5) if the mortgage is available, the user selects and inputs a sequence number of the financial assets that can be additionally provided for in case unpayment occurs at the end of the loan period; And (2-6) If the result of the determination in step (2-4) is not secured, the user may provide additional assets other than affiliates as collateral and repeat the above steps (2-1). Network-based financial asset security loan service method, characterized in that made. The method of claim 8, wherein after entering the loan condition (2-1 to 2-3), A network-based financial asset mortgage lending service method, characterized in that a user can set a replacement time of a financial asset provided as collateral on a server computer in advance. 9. The method of claim 8, wherein step (2-6) (2-6-1) determining whether the user wants to add assets other than the affiliates as collateral; (2-6-2) If the user wants to provide additional collateral, calculate the remaining period and collateral value of the entire financial asset provided as collateral, the loan period and the loan amount of the user, and output the shortage of collateral by period to the user's computer. step; (2-6-3) the user selecting a financial institution to provide additional security; And (2-6-4) A network-based financial asset security loan service method comprising the step of providing an additional collateral for assets of a financial institution selected by a user. The method according to claim 10, wherein in step (2-6-1), A network-based financial asset mortgage lending service method, characterized in that a user who wants to provide additional collateral can provide real estate mortgage or property held in another person's name as collateral offline. The method of claim 6, wherein the process (3), (3-1) outputting loan product data for each financial institution suitable for the loan condition selected by the user from the server computer to the corresponding user computer; (3-2) a user selecting a specific loan product from a plurality of financial institution loan product data provided by the server computer; (3-3) at the server computer, outputting the terms and conditions of the specific loan product selected by the user to the corresponding user computer and checking the user; (3-4) determining whether the user finally selects a loan service secured by financial assets; (3-5) when the user finally selects the secured loan, processing the suspension of payment of the financial asset at a specific financial institution server having the financial asset provided by the user as collateral; (3-6) determining whether the time when the user applied for the loan is within the business hours of the financial institution; (3-7) remitting the loan from the financial institution server to the financial account designated by the user when it is within business hours; And (3-8) If the business hours are exceeded, the network-based method comprising the step of remitting the loan to the financial account specified by the user on the next business day and setting the date of the loan payment to the next business day in the financial institution server Method of financial asset mortgage lending. The method of claim 6, wherein the process (4), (4-1) checking the replacement time of the financial asset provided by the user as collateral at the server computer; (4-2) determining whether it is time to replace the financial asset provided by the user as collateral; (4-3) replacing the security with another financial asset when the replacement time of the financial asset provided by the user has arrived; (4-4) releasing the suspension of payment set on the financial asset released from the security after the security is replaced; (4-5) determining whether the user requests the cancellation of the loan by depositing the payment price during the loan period; (4-6) imposing a predetermined fee upon termination upon request for termination; (4-7) releasing the suspension of payment set on the financial asset provided as collateral when a predetermined fee due to termination is settled; And (4-8) determining whether the loan period has expired, and if the loan period has expired, performing the process (5), and if the loan period has not expired, then performing step (4-2) or later Network-based financial asset security loan service method, characterized in that. The method of claim 13, wherein each step of the process (4), A network-based financial asset collateral loan service method, which is performed only when a user presets a replacement time. The method of claim 6, wherein the process (5), (5-1) determining, by the user, whether the loan settlement amount is deposited into a predetermined financial account; (5-2) performing a non-reimbursement process if the loan settlement amount is not deposited into a predetermined financial account; (5-3) if the loan settlement amount is deposited into a predetermined financial account, determining whether the financial institution that provided the loan to the user and the financial institution that has the financial asset provided as collateral are the same; (5-4) if the financial institution that provided the security loan to the user and the financial institution that has the financial assets provided as collateral are the same, releasing the stop of payment set in the financial asset provided as collateral on the financial institution server; And (5-5) If the result of the judgment in step (5-3) is not the same as the financial institution that provided the secured loan to the user and the financial institution that holds the financial asset provided as collateral, A network-based financial asset collateral loan service method comprising the steps of distributing loan profits and risks by a financial institution that provided a loan and a financial institution having a financial asset provided as collateral. The method of claim 15, wherein step (5-2), (5-2-1) determining whether the value of the financial asset that has been previously secured exceeds the total amount to be repaid upon extension; (5-2-2) automatically extending the loan on the financial assets provided as collateral if the value of the financial assets set as collateral exceeds the total amount to be repaid upon extension; (5-2-3) if the value of the financial asset set as collateral does not exceed the total amount to be repaid upon extension, determining whether there is a financial asset not provided as collateral held by the user; (5-2-4) If financial assets that are not provided as collaterals exist, additional collateral is automatically provided in accordance with the pre-specified collateral provision sequence, the loan is extended, and payment of the financial assets provided as additional collaterals is suspended. Performing; And (5-2-5) A network-based financial asset security loan service method, comprising the step of imposing a delinquent loan on the user in proportion to the delinquency period. The method of claim 16, wherein after step 5-2-5, (5-2-6) determining whether the loan term of the additional collateral is expired; (5-2-7) if the loan term of the additional collateral is expired, determining whether the settlement loan amount and the additional cost are deposited in a predetermined financial account and ending the collateral loan service if the deposit is received; And (5-2-8) As a result of the determination in step (5-2-6), if the loan term of the additional collateral does not expire, it is determined whether the settlement loan amount and the additional cost are transferred to the designated financial account. A network-based financial asset security loan service method, further comprising the step of terminating a loan service. 18. The method according to claim 17, wherein if the settlement loan amount and the additional cost are not deposited into a predetermined financial account as a result of the determination in step (5-2-7), (5-2-9) Determining whether the number of extension of loans has exceeded n times allowed in advance, and if more than n times, the security right is exercised; if not more than n times, the value of the financial asset previously secured is And repeating the above step (5-2-1) of determining whether the total amount to be reimbursed for extension is exceeded. 17. The method according to claim 16, wherein the judgment of step 5-2-3 indicates that there is no financial asset not provided as collateral held by the user. (5-2-10) exercising security rights; (5-2-11) determining whether the security right is equal to or greater than the total amount of repayment that the user has to repay; (5-2-12) if the security right is equal to or greater than the total amount repayable by the user, the remaining amount after the exercise of the security right is transferred to the user's designated financial account; And (5-2-13) A network-based financial asset security loan service method, characterized in that if the security right is less than the total amount repayable by the user, it is treated as a bad asset and terminates the security loan service.