KR100516996B1 - Bad debt treatment method for financial institute - Google Patents

Abstract

The present invention relates to a method for processing credit loss of a financial institution, comprising: storing, by a depreciation server, definite amortization target information including at least an account number; Transmitting, by the depreciation server, the corresponding account of the definite depreciation object information to the accounting server; Registering, by the accounting server, a corresponding account of the depreciation target person information as a clearing account, and storing interest in the accounting server until the date of the clearing account registration of the clearing account; Storing, by the depreciation server, the depreciation-related information of the definite depreciation target in the depreciation server; After the terminal in charge of the depreciation terminal accesses the depreciation server and inquires the depreciation target information and the depreciation-related information for performing the depreciation examination for the depreciation target, requesting the depreciation process to the depreciation depreciation subject to the depreciation server. ; According to the amortization request of the debiting person's terminal, the depreciation server records the data of the accounting server including at least the principal until the clearing account registration date, the unpaid interest until the clearing account registration date, and the interest rate by period after the clearing account registration, and the transaction information after the clearing account registration. Generating and storing uncollected amount information on the clearing account using data of the information server including a; Transmitting, by the depreciation server, information on the uncollected principal and the account number among the generated uncollected amount information to the account server; And receiving, by the accounting server, information on the uncollected principal, by amortizing the corresponding account. Characterized in that comprises a.

Description

BAD DEBT TREATMENT METHOD FOR FINANCIAL INSTITUTE

The present invention relates to a method for processing credit loss of a financial institution.

Bad debt expense refers to an account that estimates the possibility of loss and deducts it from expense on the portion of the bonds that are considered to be impossible to recover. It is divided into stages of bad debt inspection and is mainly performed by branch offices and financial institution headquarters.

Even when used only above and below "depreciation" is used in the same sense as "large impairment".

1 is a configuration diagram of a credit loss processing system of an existing financial institution, and FIG. 2 is a flowchart of a credit loss processing method of an existing financial institution.

The deputy manager of the credit management team of the Financial Services Division receives data from the information server and extracts the depreciable subjects, and notifies the branch in charge of the depreciable subjects in writing to confirm the depreciation of the depreciable subjects.

The manager in charge of the amortization subject to amortization has determined the amortization by comprehensively judging the estimated loss amount, asset investigation, and post-management progress in the asset soundness classification of the amortization subjects notified by the depreciation officer of the headquarters. The depreciation confirmation shall be notified to the depreciation officer of headquarters for the depreciable person.

The depreciation officer at the headquarters of the financial institution aggregates the depreciation amount of the amortized identified amortization targets collected from the branches in charge.

The branch prepares an amortization application and an amortization inspection application after notification of depreciation confirmation to the financial institution headquarters.

This preparation includes: (1) outputting computerized status data of approximately 10 types of credit, receipt, collateral, and credit information from the information server and accounting server for the depreciable person; and (2) bond documents, application documents, Copies of post-management documents, etc., and (3) calculating the amount of uncollected money per account.

Uncollected amounts above and below mean principal uncollected amounts, uncollected interest amounts, and / or uncollected late interest amounts.

When the documents related to the depreciation application are prepared, a depreciation application and an inspection application are prepared, and the documents are sent to the deputy manager of the credit management team and the inspector of the inspection team.

The depreciation officer receives the amortization-related documents requested by the sales office, completes the depreciation examination, and then sends a notice of the amortization approval to the sales office.

The branch stores the account that has been notified of the amortization approval from the credit management team, and accesses the accounting server individually to perform amortization.

As described above, the processing of bad debt write-ups of financial institutions has been complicated, and the bad debt write-downs have been carried out by moving physical documents.

As such, the conventional credit loss processing business takes a lot of time to process the business, and because of this, a large amount of cost is required, but the necessity for the task automation has emerged. It is not computerized.

The branch in charge calculates the amount of the uncollected amount of the bond for each account up to the date of amortization when calculating the amount of uncollected amount, and accounts the uncollected amount of the uncollected amount on the accounting server on the accounting date. Information on the amount recovered should be maintained and maintained on an ongoing basis.

However, recovery of amortized bonds may occur between the initial calculation of the amount due and the date of amortization. In this case, the amount of the uncollected amount at the time of calculating the amount of the uncollected amount and the amount of the uncollected amount on the date of amortization will be different.

In addition, the interest calculation of financial institutions basically differs not only by creditor and by account, but also by period.

Also, in general, that is, before bad debts are incurred, the collection order of bonds is processed in the order of delinquent interest, interest and principal, and the financial system's computer system processes the collection according to these priorities.

However, for accounts that are expected to be subject to credit loss, the collection details are processed in the order of principal, interest, and arrears prior to the judgment of the sales representative.

Therefore, the existing financial institution's computer system is unable to handle the amortization bonds whose order of collection has changed.

Therefore, the bank employee, especially the depreciation officer of the branch, not only prepares the actual documents, but also collects the collection of collections by hand if the collection of depreciable bonds occurs after calculating the amount of uncollected and uncollected amounts. It is difficult to calculate the amortization amount by calculating principal and interest separately by hand according to the details.

In order to solve the problems of the prior art as described above of the present invention, the amount of the uncollected amount for the depreciation target account can be calculated very easily on the computer, and through this, a new bad debt amortization that can computerize the entire credit loss processing business. I would like to suggest a treatment method.

In addition, an object of the present invention is to enable the automation by redesigning the overall business process, such as selection of the depreciation target, confirmation of the depreciation target, extracting the relevant depreciation documents, processing the depreciation account.

In order to solve the above problems, the present invention provides a method for processing a credit loss of a financial institution, the method comprising: storing, by a depreciation server, definite amortization target information including at least an account number; Transmitting, by the depreciation server, the corresponding account of the definite depreciation object information to the accounting server; Registering, by the accounting server, a corresponding account of the depreciation target person information as a clearing account, and storing the unpaid interest up to the date of the clearing account registration of the clearing account in the accounting server; Storing, by the depreciation server, the depreciation-related information of the definite depreciation target in the depreciation server; After the terminal in charge of the depreciation terminal accesses the depreciation server and inquires the depreciation target information and the depreciation-related information for performing the depreciation examination for the depreciation target, requesting the depreciation process to the depreciation depreciation subject to the depreciation server. ; According to the amortization request of the debiting person's terminal, the depreciation server records the data of the accounting server including at least the principal until the clearing account registration date, the unpaid interest until the clearing account registration date, and the interest rate by period after the clearing account registration, and the transaction information after the clearing account registration. Generating and storing uncollected amount information on the clearing account using data of the information system server including a; Transmitting, by the depreciation server, information on the uncollected principal and the account number among the generated uncollected amount information to the account server; And receiving, by the accounting server, information on the uncollected principal, by amortizing the corresponding account. Characterized in that comprises a.

In the above, before the step of storing the depreciation target person information by the depreciation server,

Connecting the depreciation manager terminal to the depreciation server; Receiving, by the depreciation server, an amortization target person selection condition from the depreciation manager terminal; Extracting the depreciable object information corresponding to the depreciation object selection condition inputted by the depreciation server to the information system server, and displaying the extracted depreciation object information on the depreciation person in charge terminal; Receiving, by the depreciation manager terminal, the depreciation confirmation target person from the displayed depreciation target information and transmitting the depreciation confirmation target person to the depreciation server; Storing, by the depreciation server, the depreciation confirmation subject information including at least the charge branch information on the transmitted depreciation confirmation subject; The branch terminal connecting to the depreciation server; Displaying, by the depreciation server, the depreciation confirmation target information of the corresponding branch of the depreciation confirmation target information stored in the depreciation server on the branch terminal; Receiving, by the sales terminal, the identification information of the sales representative in response to the displayed depreciation confirmation target information and transmitting the received confirmation information to the depreciation server; Registering, by the depreciation server, the branch confirmation completion information with respect to the depreciation confirmation target information in which the confirmation information of the branch manager is input; Approving the depreciation confirmation target information registered to the depreciation manager terminal connected to the depreciation server, the branch check completion; Is added,

The depreciation server preferably stores the information on the confirmation of depreciation subject who has been approved by the depreciation manager terminal as the depreciation subject information.

In the above, the step of transmitting the depreciation target information and the depreciation-related information to the inspection server for the depreciation inspection may be added.

In the above, the step of storing the depreciation-related information by the depreciation server,

Preferably, the depreciation server accesses the accounting server, the information server, and the image server, extracts the depreciation-related information of the depreciation target, and stores the depreciation-related information in the depreciation server.

In the above, the depreciation-related information preferably includes at least data information consisting of computerized data and image information of a document real.

In the above, it is preferable that the transaction information is information including a transaction amount and a transaction date.

Hereinafter will be described in detail the configuration and operation according to an embodiment of the present invention.

3 is a block diagram of a credit loss processing system of a financial institution according to an embodiment of the present invention, Figure 4 is a flow chart of a credit loss processing method of a financial institution according to an embodiment of the present invention.

The depreciation officer of the financial institution headquarters accesses the depreciation server through the depreciation manager terminal.

The depreciation manager inputs a desired condition through the depreciation manager terminal, that is, a condition for selecting an amortization target person.

Accordingly, the depreciation server extracts the depreciation subject information from the information system server according to the condition received through the depreciation representative terminal and displays it on the depreciation representative terminal.

The person in charge of the depreciation checks the displayed depreciation target information and inputs the depreciation confirmation target among the displayed depreciation target information in consideration of the overall depreciation amount.

The depreciation server stores the depreciation subject information for the depreciation confirmation subject selected from the depreciation manager terminal in the depreciation confirmation subject database.

The depreciation confirmation subject database preferably includes at least a subject identification number field, an account number field, a store identification number field, a branch confirmation completion field, a branch confirmation completion approval field, a representative approval field, and the like.

As described above, when the information on the depreciation confirmation target person is stored in the depreciation server, the depreciation confirmation may be performed on the depreciation account in charge of the branch by accessing the depreciation server for each branch.

This is done by the following process.

When the branch terminal is connected to the depreciation server, the depreciation server retrieves the depreciation confirmation subject information corresponding to the account in charge of the connected branch from the depreciation confirmation database and transmits the information to the branch terminal, and the branch terminal displays this on the screen.

The sales representative checks the information on the subject of the depreciation confirmation displayed on the terminal of the sales office.

When the branch terminal connects to the depreciation server, the estimated loss amount of the depreciable person, the guarantor information for each depreciable account, the debtor's reception information, the guarantor's reception information, etc. are displayed on the screen, and the sales representative can determine whether the amortization is performed. You can judge it simple. Such a method may be configured such that the information is stored together with the amortization confirmation subject information, or the amortization server inquires the data from the information server and / or the account server when the branch terminal is connected.

The depreciation server registers the branch confirmation completion information with respect to the depreciation confirmation target information on which the branch confirmation has been completed from the branch terminal. This may be done by marking the branch check completion field of the amortization check target database as YES or NO.

When the depreciation manager terminal accesses the depreciation server again, the depreciation confirmation person information of the branch confirmation is completed is displayed on the depreciation officer terminal, so that the depreciation officer of the headquarters can immediately identify the confirmation target of the branch.

The person in charge of the depreciation approves the depreciation confirmation information for which the branch confirmation has been completed.

The depreciation server registers approval for the depreciation confirmation target information approved by the depreciation manager terminal, and stores the depreciation confirmation target information approved by the depreciation manager terminal as the depreciation depreciation target information in the database.

The definite depreciation database includes at least the subject unique number field, account number field, clearing account registration date field, amortization date field, uncollected amount information field, and the like.

The depreciation server transmits the account number among the definite depreciation target information to the accounting server.

The account accounting server registers an account corresponding to the transmitted account number as a clearing account, and calculates and stores interest interest until the clearing account registration date.

The interest earned here is the ordinary interest and / or delinquent interest accrued up to the date of the clearance account registration.

As described above, the depreciation server stores registration and uninterested interests in the clearing account in the accounting server and stores the depreciation-related information for the depreciation target person in the depreciation server.

Here, the depreciation-related information includes data information consisting of computerized data extracted from an information system server and an accounting server in a conventional branch, and image information of a physical document copied from the conventional branch and attached to an amortization application.

Computation data extracted from the information system server and accounting server in the conventional sales office is stored by the depreciation server inquiries from the information system server and accounting server, and the image information of the real document allows the depreciation server to query and store the image of the image server do.

The image server is a device for changing and storing a physical document into image data through a scanner and storing and managing the document. The image server is a well-known technique that is already used in a portion of the financial institution except for bad debt.

As described above, when the depreciation target person information and the depreciation related information are stored in the depreciation server, the depreciation manager terminal accesses the depreciation server and inquires the information, and performs the depreciation examination on the depreciation target person.

The amortization officer shall carry out an amortization examination by confirming various information such as the amount of the amortization of the amortization target, the amortization interest, the property investigation, the guarantor information, the debtor's receipt information, the guarantor's reception information, and the delinquency information through the terminal of the amortization representative. Can be.

Confirmed depreciation target information and the related depreciation-related information that the depreciation examination is completed by the depreciation manager terminal is transmitted to the inspection server to perform the inspection work.

The depreciation manager performs the depreciation account processing operation after receiving the approval of the approver after the depreciation examination is completed. Accordingly, the depreciation manager terminal requests the depreciation process for the depreciation target person.

Accordingly, the depreciation server generates uncollected amount information on the account requested for depreciation.

The depreciation server inquires the principal requested by the account accounting server for depreciation, the principal until at least the clearing account registration date, the unpaid interest until the clearing account registration date, and the interest rate for each period after the clearing account registration. Inquiry about transaction information after registering the cleared account, and calculate and store the amount of uncollected money for the account requested for amortization.

Herein, the transaction information is information including a transaction amount such as a deposit amount or withdrawal amount for the corresponding account, a transaction date, a transaction item, and the like. A transaction item is information about whether a transaction amount has occurred with respect to the principal or with interest or overdue interest.

In other words, the amortization server inquires transaction information after the registration date of the clearing account, and if there is a recovery history, the interest is calculated based on the recovery item, which is different from whether the principal, interest, or delinquency interest is recovered.

For example, if the principal is 1 million won and the unpaid interest is 100,000 won, if the recovered amount of the principal is 100,000 won (assuming once), the interest rate for the principal 1 million won is applied before the deposit deposit date. The interest after the deposit receipt date is calculated by applying the interest rate by period on the remaining portion except for the portion recovered for the principal of 1 million won. Of course, interest and 100,000 won is treated as uncollected and calculated by applying interest rate by period. In this manner, uncollected amount information may be generated, including uncollected principal and uncollected interest.

Similarly, if the principal is 100 million won and the unpaid interest is 100,000 won, if the amount of interest collected after the account registration date is 100,000 won (assuming one time), the interest rate for each period of 100 million won is treated as uncollected. If the interest is not paid up to 100,000 won, it is calculated by applying the interest rate by period before the deposit deposit date, and after the deposit deposit date, the interest rate is applied to the rest of the recovered amount of 100,000 won except the portion recovered on the deposit deposit date. Calculate

In this way, when the uncollected principal and the uncollected interest amount information on the uncollected interest are generated by the calculation of the principal and the uncollected interest, the amortization server sends the information on the uncollected principal among the uncollected amount information to the accounting server. The accounting server performs the amortization process for the corresponding account according to the received uncollected principal information.

The generation and transmission of the uncollected amount information is preferably configured in such a way that the FTP file is generated and batch processed the entire business day before the amortization date.

In addition, the information on the amount of the uncollected money by the calculation of the principal and the interest on the interest is stored in the depreciation server or the information system server and used as a later administrative fee.

The calculation of the depreciation amount according to the above-mentioned depreciation request may be used not only in the depreciation request but also in the depreciation review process.

The above embodiments are merely preferred embodiments of the present invention, and the technical idea of the present invention may be variously modified or adjusted by those skilled in the art. If such modifications or adjustments use the technical idea of the present invention, they are within the scope of the present invention. It belongs.

According to the present invention, the amount of the uncollected amount for the depreciation target account can be calculated and processed very easily on a computer basis, and thus the entire credit loss processing business can be computerized, thereby reducing the time and cost for the credit loss processing.

According to the present invention, all the work processed by handwriting is lost, and the accuracy of the amortization amount can be set.

1 is a configuration diagram of a credit loss processing system of an existing financial institution,

2 is a flow chart of a method for processing bad debts of an existing financial institution;

3 is a block diagram of a credit damage processing system of a financial institution according to an embodiment of the present invention;

Figure 4 is a flow chart of the credit loss processing method of a financial institution according to an embodiment of the present invention.

Claims (7)

In the method of handling bad debts of financial institutions: Storing, by the depreciation server, the depreciation target person information including at least an account number; Transmitting, by the depreciation server, the corresponding account of the definite depreciation object information to the accounting server; The accounting server registers the corresponding account of the depreciable target information as a clearing account. Storing interest in the account account server up to the date of registration of the account in the account; Storing, by the depreciation server, the depreciation-related information of the definite depreciation target in the depreciation server; After the terminal in charge of the depreciation terminal accesses the depreciation server and inquires the depreciation target information and the depreciation-related information for performing the depreciation examination for the depreciation target, requesting the depreciation process to the depreciation depreciation subject to the depreciation server. ; According to the amortization request of the debiting person's terminal, the depreciation server records the data of the accounting server including at least the principal until the clearing account registration date, the unpaid interest until the clearing account registration date, and the interest rate by period after the clearing account registration, and the transaction information after the clearing account registration. Generating and storing uncollected amount information on the clearing account using data of the information system server including a; Transmitting, by the depreciation server, information on the uncollected principal and the account number among the generated uncollected amount information to the account server; And Receiving, by the accounting server, information on the uncollected principal and amortizing the corresponding account; Credit loss processing method of a financial institution, characterized in that comprises a. The method of claim 1, Before the depreciation server stores the depreciation target information, Connecting the depreciation manager terminal to the depreciation server; Receiving, by the depreciation server, an amortization target person selection condition from the depreciation manager terminal; The depreciation server accesses the information server and extracts the depreciation object information that meets the input criteria for depreciation. Displaying the extracted amortization target information on the depreciation manager terminal; Receiving, by the depreciation manager terminal, the depreciation confirmation target person from the displayed depreciation target information and transmitting the depreciation confirmation target person to the depreciation server; Storing, by the depreciation server, the depreciation confirmation subject information including at least the charge branch information on the transmitted depreciation confirmation subject; The branch terminal connecting to the depreciation server; Displaying, by the depreciation server, the depreciation confirmation target information of the corresponding branch of the depreciation confirmation target information stored in the depreciation server on the branch terminal; Receiving, by the sales terminal, the identification information of the sales representative in response to the displayed depreciation confirmation target information and transmitting the received confirmation information to the depreciation server; Registering, by the depreciation server, the branch confirmation completion information with respect to the depreciation confirmation target information in which the confirmation information of the branch manager is input; Approving the depreciation confirmation target information registered to the depreciation manager terminal connected to the depreciation server, the branch check completion; Is added, The depreciation server stores credit check completion depreciation confirmation target information approved by the depreciation manager terminal as the depreciation target information. The method of claim 1, And a step of transmitting, by the depreciation server, the definite depreciation target information and the depreciation-related information to the inspection server for the amortization inspection. The method of claim 1, The step of storing the depreciation-related information by the depreciation server, The depreciation server accesses the accounting server, the information server, and the image server, extracting the depreciation-related information of the definite depreciation target and storing them in the depreciation server. The method of claim 4, wherein And the amortization-related information includes at least data information consisting of computerized data and image information of a document. The method of claim 1, And the transaction information is information including a transaction item, a transaction amount, and a transaction date. The method of claim 1, The uncollected amount of money information is classified into uncollected principal information and uncollected interest information.