KR100583450B1 - Method and apparatus for intermediating a loan using an internet to protect principal and interest - Google Patents

Abstract

The present invention relates to a loan intermediation method and apparatus using the Internet including the principle money protection function, the loan intermediation method according to the present invention, a computer operated by a loan broker connected to the loan buyer terminal and the loan provider terminal over the Internet A method for providing a loan brokerage service in a system, the method comprising: (a) storing information on a loan consumer and a loan provider who subscribed to a service through a loan consumer terminal and a loan provider terminal in a database; (b) Using the information on the borrower and the loan provider stored in the database, the borrower who has applied for a protection fund for protection of the loan principle, and the loan provider through the Internet to enter into a loan agreement and Storing information about the database in a database; (c) generating a fund management number to store information about the protection fund in a database and to separately manage the protection fund for a certain period (hereinafter referred to as 'loan termination period') to which the loan termination notice belongs; And (d) If the loan principle of the loans to which the protection fund is subscribed fails to cover the collateral disposal expenses, loan principal and interest subject to protection, the outstanding amount shall be paid from the protection fund, and if the surplus occurs in the protection fund, it shall be credited to the reserve account. Thereby clearing the protection fund. As a result, it is possible to connect funds demanders and suppliers through the Internet, and effectively protect the loan principle.

Description

Method and apparatus for intermediating a loan using an internet to protect principal and interest}

1 is a schematic diagram of a loan brokerage system using the Internet according to an embodiment of the present invention;

2 is a block diagram of the loan intermediary device 1 shown in FIG.

3 is a detailed block diagram of the loan brokerage module 10 shown in FIG.

4 is a detailed block diagram of the protection fund management module 12 shown in FIG.

5 is a schematic diagram of a loan brokering method using the Internet according to an embodiment of the present invention;

6 is a flow chart of a loan intermediation method using the Internet according to an embodiment of the present invention;

7 is a detailed flowchart of the protection fund clearing step (A) shown in FIG.

8A to 8D are examples of various tables stored in a database of a loan brokerage device according to an embodiment of the present invention.

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

1: loan intermediary device 2: protection fund deposit bank server

3: loan consumer terminal 4: loan provider terminal

10: loan brokerage module 12: protection fund management module

The present invention relates to a method and apparatus for loan brokering using the Internet, and more particularly, to a method and apparatus for loan brokering using the Internet that provides a function of connecting a fund consumer and a fund provider through the Internet and protecting a loan principle. .

As a financial loan method, a customer usually visits a bank or other financial institution and consults with a loan officer to obtain a loan. However, financial institutions such as banks require difficult security standards and loan standards in order to prevent bad debts, so it is very difficult for general consumers who lack security to obtain loans.

In addition, fund providers need a way to securely borrow money while reducing the risk of bad debt. As a safeguard to protect loans, there is a method of joining financial insurance, but this is only available if the financial insurer opens the financial insurance related to the loan, and the financial insurance company operates the financial insurance for the loan. There is a problem in that it cannot be used when it is not set as a target.

On the other hand, the recent rapid development of the Internet has been able to apply for loans using the Internet banking, but this is not only a way to loan funds to certain conditions through the bank, it is not a way to directly connect the money buyers with the fund provider.

Accordingly, an object of the present invention for solving the above problems is to provide a loan intermediation method and apparatus using the Internet that provides a function of connecting the money demander and the fund provider through the Internet and protecting the loan principle.

According to the present invention, the above technical problem is a method for providing a loan intermediary service including a principle protection function in a computer system operated by a loan broker connected to a loan consumer terminal and a loan provider terminal via the Internet, (a) Storing information about the loan consumer and the loan provider who subscribed to the service through the loan consumer terminal and the loan provider terminal in a database; (b) Using the information on the borrower and the loan provider stored in the database, the borrower who has applied for a protection fund for protection of the loan principle, and the loan provider through the Internet to enter into a loan agreement and Storing information about the database in a database; (c) generating a fund management number to store information about the protection fund in a database and to separately manage the protection fund by period of the loan termination; And (d) If the loan principle of the loans to which the protection fund is subscribed fails to cover the collateral disposal expenses, loan principal and interest subject to protection, the outstanding amount shall be paid from the protection fund, and if the surplus occurs in the protection fund, it shall be credited to the reserve account. This is achieved by a loan brokering method comprising the step of liquidating the protection fund.

Meanwhile, according to another aspect of the present invention, there is provided an apparatus for providing a loan intermediation service including a principle protection function in a computer system operated by a loan broker connected to a loan consumer terminal and a loan provider terminal through the Internet. Protection fund for protection of loan principle funds by storing information about loan consumers and loan providers who have subscribed to services through loan demand terminals and loan provider terminals, and using information about loan consumers and loan suppliers stored in the database A loan brokering module for signing loan agreements by brokering loan borrowers and loan providers through the Internet and storing information on loan brokerage in a database; And a fund management number to store information on the protection fund and the protection fund in the database, and to separately manage the protection fund by the end of the loan period. If it does not cover the amount is paid by the protection fund, and if the surplus occurs in the protection fund is achieved by a loan intermediary device comprising a protection fund management module for clearing the protection fund by accumulating as a reserve account.

Hereinafter, with reference to the accompanying drawings will be described a preferred embodiment of the present invention; In the following description of the present invention, if it is determined that detailed descriptions of related well-known functions or configurations may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intention or custom of a user or an operator. Therefore, the definition should be made based on the contents throughout the specification.

1 is a schematic diagram of a loan brokerage system using the Internet according to an embodiment of the present invention.

Referring to Figure 1, the loan intermediary system is composed of a loan intermediary device (1), the protection fund deposit bank server (2), the loan consumer terminal (3) and the loan provider terminal (4). The loan brokerage device 1 is connected to the loan consumer terminal 3, the loan provider terminal 4 and the protection fund deposit bank server 2 and the Internet (5) and provides a loan brokerage service operated by the loan broker. That is, the loan intermediation device 1 intermediates the loan contract by directly connecting the loan demander and the loan provider, receives the protection fund subscription fee from the loan demander who applied for the protection fund, and deposits it in the protection fund deposit bank 2 to later loan. Even if the bonds become insolvent, the lender provides loan intermediation services to protect loan principals efficiently by allowing loan providers to pay the loan principals from protected funds instead.

The loan consumer terminal 3 receives a loan number from a loan brokerage device 1 by applying a loan electronically to the loan consumer, and a loan to be loaned to a protection fund that is publicly announced and recruited through the Internet in the loan brokerage device 1. The loan brokerage device 1 is connected to the Internet so that a low interest rate can be applied by subscribing a product to eliminate loan risk.

The loan provider terminal 4 applies for loan supply to the loan product that the loan provider wants to invest by looking at the loan product statement published on the Internet through the loan intermediation device 1 and is applied to the corresponding loan number even if the loan loan becomes insolvent. The loan brokerage device 1 is connected to the Internet so that the protected loan principle can be protected from the protection fund. At this time, the loan requester terminal 3 or the loan provider terminal 4 is a personal portable terminal that provides Internet access functions such as a mobile phone, a handheld PC, a PDA, as well as a personal computer or laptop connected to the Internet by wire or wirelessly. To cover

At the request of the loan intermediation device (1), the protection fund depositing bank server (2) receives the protection fund subscription fee from the loan buyers, accumulates and stores the protection fund formed by the protection fund subscription fee, and as prescribed in the Financial Transactions Regulations. Provide protection funds.

More specifically, FIG. 2 is a block diagram of the loan intermediary device 1 shown in FIG. 1.

Referring to FIG. 2, the loan brokerage device 1 includes a loan brokerage module 10, a protection fund management module 12, and databases 14 to 24.

The loan brokerage module 10 connects the loan buyer and the loan provider to broker a loan contract. That is, the loan intermediation module 10 stores information about the loan consumer and the loan provider who subscribed to the loan brokerage service using the Internet through the loan consumer terminal 3 and the loan provider terminal 4 in the databases 14 and 16. By using the information on the borrower and the lender supplier stored in the database, the lender and the lender who applied to join the protection fund and the lender are brokered through the Internet (5) to enter into a loan agreement. 18).

The protection fund management module 12 receives a protection fund subscription fee from the loan consumer, creates a protection fund, and when the loan contract is terminated, supplements the protection loan principle fund for the bad loan and reserves the surplus in the reserve account to save the protection fund. Liquidate. That is, the protection fund management module 12 generates a fund management number to store information about the protection fund in a database and to manage the protection funds by period of loan termination, and the loan principal amount of the loan to the protection fund is In the event of a failure to cover collateral disposal costs, loan principal and interest subject to protection, the fund shall be paid out of the protection fund, and if the surplus occurs in the protection fund, the protection fund shall be cleared by accumulating in a reserve account.

If the loan brokerage project is terminated, any unused surplus accumulated in the reserve account may be used as a grant to the charity or for other public interests. In addition, the protection fund management module 12 may be modified to divide and distribute to the protection fund members belonging to the fund management number, instead of accumulating the surplus amount in the reserve account. However, for convenience of explanation, the following description will be limited to the case where it is accumulated in the reserve account.

3 is a detailed block diagram of the loan brokerage module 10 shown in FIG.

Referring to FIG. 3, the loan brokerage module 10 includes a loan application evaluation module 102, a loan provider determination module 104, and a loan contract conclusion and loan payment module 106. The loan application evaluation module 102 evaluates the loan application on the basis of the information on the loan application and collateral input by the loan consumer when the loan consumer submits the loan application electronically through the loan consumer terminal 3. The loan provider determination module 104 calculates the loan amount and the interest rate of the loan based on the evaluation result of the loan application, creates a loan statement and discloses the loan provider, and determines the loan provider. The loan contract and loan payment module 106 electronically prepares a loan contract based on the loan statement, and brokers the loan agreement by obtaining consent from the lender and the loan provider through the terminals 3 and 4. In accordance with the contract concluded, the lender will pay the loan to the lender.

In more detail, the loan brokerage module 10 receives a loan application as an electronic document from the loan consumer terminal 3, assigns a loan number, receives information about the collateral, receives survey information about the collateral, Evaluate the loan application, receive the application for subscription to the protection fund from the loan consumer terminal (3), check the evaluation result of the collateral and loan application and the application for the protection fund, and calculate the loan amount and the loan interest rate by the program. When the loan amount and the loan interest rate are calculated after the consumer's consent, the loan product statement is an electronic document containing information on loan amount, loan maturity, loan interest rate, collateral specification, evaluation results for collateral and loan application, and application for protection fund subscription. Create a public notice through the Internet, and confirm the published loan product statement and loan through the loan provider terminal (4) Among the at least one loan supplier who applied for salary, the loan provider is determined by the program, and it is an electronic document standardized and publicized through the Internet. The loan agreement, loan maturity, loan interest rate is written in the loan agreement and agreed by the loan consumer and the loan supplier. Obtain a loan agreement online, enter into a loan agreement online, request collateral setting by the loan agreement, send a loan payment request to the loan provider terminal (4), withdraw the protection fund subscription fee from the loan and deposit it in the protection fund deposit bank (2). The remaining amount is then sent to the loan consumer.

4 is a detailed block diagram of the protection fund management module 12 shown in FIG.

Referring to FIG. 4, the protection fund management module 12 includes a protection fund generation module 122 and a protection fund clearing module 124.

The protection fund generation module 122 receives the protection fund registration fee deposit notification from the protection fund deposit bank server 2 in the computer system, and the loan termination notification from the loan provider terminal 4 when the loan is repaid in full or a forced execution dividend is paid by the court. In order to receive and manage the protection funds by period of loan termination period, each of which generates a fund management number and stores information about the protection fund in the database (20). The purpose of managing the protection funds by the period of loan termination is to pay the protection funds as soon as possible after the end of the loan contract.

The protection fund clearing module 124 receives the loan principal deposit notification from the loan provider terminal 4 in the computer system from time to time, enters the necessary expenses as a collateral disposal fee in the case of a forced execution application, and stores information on the loan repayment database ( 22), and when the loan termination notice is inputted from the lending provider terminal 4, the interest to be protected is calculated by the interest rate to be protected until the final deposit date, and then the accumulated amount of loan principal is accumulated as collateral, loan principal and protection. Determine the amount underpayment to cover the interest interest, add the protection fund entry fee and the amount underpayment of all loan numbers belonging to the same fund management number after the loan termination period expires, and protect under the same fund control number. The surplus or deficit amount is determined by calculating whether the total amount of the subscription fee can cover the total underpayment. . If the deficit is confirmed, the program will calculate the amount to be paid to the loan supplier who has not secured the loan loan protected by securing the funds to be paid to the loan provider by withdrawing from the reserve account to supplement the protection fund. If the amount is insufficient, the priority is given in the order of collateral disposal expenses, loan principal, and interest subject to protection, and if payment is difficult, the payment amount is determined in proportion to the amount underpayment. When the payment amount is determined by the loan provider, the protection fund deposit bank server 2 is requested to pay it. If the loan provider fails to pay all of the underpayment, the unpaid amount is stored in the database as a waiting balance for the preliminary account, and the balance is automatically withdrawn when the balance is created in the preliminary account. The protection fund is settled by paying the lenders all the underpayments and depositing the surplus in reserve.

As such, if a fund belonging to a specific fund management number is used for protection of a loan principle belonging to its own fund management number, it can be used to protect a loan principle fund of another fund management number. It is possible to minimize the burden of protection fund joining fees for loan consumers.

5 is a schematic diagram of a loan brokering method using the Internet according to an embodiment of the present invention, Figure 6 is a flow chart of a loan brokering method using the Internet according to an embodiment of the present invention.

5 and 6, the loan intermediation device (1) discloses the financial transaction agreement that defines the matters related to the installation, operation, liquidation and protection target of the loan intermediation and protection funds through the Internet, loan consumers and The loan provider receives a subscription application to the loan brokerage service using the Internet according to the present invention through each terminal. IDs are given to loan consumers and loan providers who subscribe to the service (S200). In addition, information on loan consumers and loan providers who have subscribed to the service is stored in the database (14, 16).

On the other hand, when the loan application is received as an electronic document through the terminal (3) of the borrower subscribed to the service, the loan number is assigned and information about the security is input. Other documents and expenses necessary for the appraisal of collateral are received online or offline and the loan application and collateral are evaluated (S202). At this time, the evaluation of the collateral should be carried out through a mortgage investigation and evaluation by a professional appraiser such as an appraiser, and input the information into the loan intermediation device (1). And evaluation of collateral. The above-described steps S202 and S204 may be performed simultaneously or in a reverse order.

And the loan request from the consumer terminal (3) receives the application to join the protection fund (S204). After confirming the results of the evaluation of the collateral and loan application and the application for protection fund membership, the loan amount and loan interest rate are calculated by the program, and after obtaining the consent of the loan consumer, the loan amount, loan maturity, loan interest rate, mortgage details, collateral and loan application An electronic document containing an evaluation result of the evaluation and information on the application for protection fund subscription is prepared and disclosed through the Internet (S206).

After checking the disclosure of the loan product statement and determining the loan supplier by the program among at least one loan provider who applied for loan supply through the loan provider terminal 4 (S208), it is an electronic document that is standardized and published through the Internet. Enter the loan amount, the maturity of the loan, the interest rate of the loan in the loan agreement, and obtain a consent from the loan consumer and the loan supplier to conclude the loan contract online (S210). The security agreement is requested by the loan agreement, and a loan payment request is sent to the loan supplier terminal 4 (S212). At this time, withdrawal of the protection fund subscription fee from the loans to be paid and deposited in the protection fund deposit bank (2), and the remaining amount is remitted to the lender. In this way, the conclusion of the loan contract by the loan intermediation device 1 is completed.

Now, when the loan expires, or before or after the loan maturity, all loans are repaid from the borrower, or when the final execution dividend is paid by the court, the loan termination notice is received from the loan provider terminal (4). Is input (S214), the loan intermediary device 1 generates a fund management number for each loan termination period in order to manage the protection fund by the loan termination period, and stores the information about the protection fund in the database 20 do. (S216).

Finally, in the process of liquidating the protection fund of the relevant fund management number, if the accumulated amount of loan principle up to the date of the last deposit fails to cover the loan interest subject to protection, the loan principle is supplemented by the protection fund and the surplus amount is protected. The protection fund is settled by depositing it in the reserve account of the fund (A: S218).

Hereinafter, a process (A) of liquidating the protection fund will be described in detail. FIG. 7 is a detailed flowchart of the protection fund liquidation step A shown in FIG. 6.

Referring to FIG. 7, first, an underpayment for collateral disposal costs, loan principals and interests to be protected (S300) is calculated, and an amount to be paid to a loan provider using a protection fund of the same fund management number is calculated (S302). . If the protection fund is insufficient (S304), supplement from the reserve account to be paid, but if the balance of the reserve account is insufficient, the shortage will be withdrawn later (S306). On the other hand, if there is no shortage of protection fund (S304), pay only with the protection fund (S308), if the surplus occurs even if paid (S310) to reserve the surplus in the reserve account (S312).

8A to 8D illustrate examples of various tables stored in a database of a loan brokerage device according to an embodiment of the present invention. Each table is stored in the database 14, 16, 18, 20, 22, 24 shown in FIG.

Referring to Figure 8a, when the loan brokerage agreement is concluded (S210) as a table that tells the details of the loan, the loan number and the loan principal, interest rate for the loan principal, loan maturity, loan date, total interest and protection fund subscription fee Information is included.

Referring to FIG. 8B, a table indicating the loan repayment details at the end of the loan contract, the loan number, the accumulated amount of the loan principal, the notice of the end of the loan, the mortgage fee and underpayment, the loan principal and underpayment, the interest interest and underpayment Information about the liquid is included. The termination of the loan contract may include a case in which the loan consumer repays all the loans and receives a dividend by forced execution. In particular, the loan termination notice date is determined that the loan provider can no longer expect to deposit for the loan contract, and the date of notifying the end of the loan through the loan provider terminal 4 is input (S214). When the loan termination notice date is entered, the accumulated loan principal and collateral disposal expenses, loan principal and protected interest are calculated up to the date of the last deposit. Based on this, the collateral for the loan is deducted from the accumulation of loan principal and then loan principal. The deductible interest is deducted. Finally, if there is a lack of accumulated loan principal and the deduction does not occur, the underpayment is indicated in the underpayment column of the relevant item.

The protection fund subscription fee by loan number of FIG. 8A and the amount underpayment by loan number of FIG. 8B are input to the protection fund operation table of FIG. 8C. 8A and 8B are tables arranged by loan number, while FIG. 8C is a table summarizing a number of loan products having a number of loan numbers by fund management number. An example of the end-of-loan termination period of the Fund Management Number is shown in one-month units, but the period of membership may vary depending on the designer. In the example shown, a fund management number of 'A51' is assigned to the protection fund for loans notified of the loan termination during January 2005, and the total protection fund membership of the loan number is 415,391,110 won. The total amount of the underpayment is 32,010 won, the total amount of the outstanding loan loan is 189,537,100, and the total amount of the interest under protection is 192,352,200 won. The total amount of the protection fund is 33,469,800 won, so surplus 33,469,800 won is deposited into the reserve account.

In addition, a fund management number of 'A52' was assigned to the protection fund for loans notified of the loan termination in February 2005, and the total protection fund subscription fee for the loan number was 380,972,800, whereas the total amount under loan loans was 201,630,280 won. In addition, the total amount of protection funds is insufficient because the total amount of protection targets and underpayment is 232,751,320 won, indicating that the balance of 33,469,800 won was used.

8D is a preliminary account management table showing a transaction relationship with each fund management number. A surplus of 33,469,800 won was deposited from A51 on February 1, 2005, immediately after the end of the loan termination period under A51, and on March 1, 2005, immediately after the end of the loan termination period under A52. The balance of the preliminary account of 33,469,800 won was withdrawn to A52. A52 shows that even with the preliminary account withdrawal, the balance of 19,939,000 won was registered in the reserve account.

As described above, the protection fund management module 12 calculates an amount to be paid to the loan supplier who has not secured the loan interest subject to protection based on the information stored in the database 14, 16, 18, 20, 22, 24. As a result, a loan request for each loan supplier is prepared as an electronic document and sent to the protection fund deposit bank server 2 to efficiently perform the loan principal protection function.

On the other hand, loan intermediation method using the Internet according to the present invention can be created by a computer program. Codes and code segments constituting the program can be easily inferred by a computer programmer in the art. In addition, the program is stored in a computer readable media, and read and executed by a computer to implement a loan brokering method using the Internet. The information storage medium includes a magnetic recording medium, an optical recording medium, and a carrier wave medium.

As described above, according to the present invention, there is provided a loan intermediation method and apparatus using the Internet that provides a function of connecting a fund demander and a fund provider through the Internet and protecting a loan principle.

In other words, the lender should join the loan product to be loaned to the protection fund recruited by the loan intermediary and deposit a certain protection fund subscription fee, so that the loan principal of the loan provider may be paid from the protection fund even if the loan product becomes insolvent in the future. For example, loan providers can be effectively protected against loan principals without the additional burden of enrolling in financial insurance. In addition, lenders can benefit from a significant reduction in loan interest rates with a small fee to join the protection fund.

In particular, by managing the protection funds by the period of the end of the loan, the period of protection fund payment is shortened as much as possible after the end of the loan.In the case of liquidation of the protection fund, the surplus of a specific fund management number is covered by the lack of other fund management numbers. By operating in a flexible manner, it is possible to increase the efficiency of the protection fund and to minimize the burden of the protection fund joiner's subscription fee.

So far I looked at the center of the preferred embodiment for the present invention. Those skilled in the art will appreciate that the present invention can be implemented in a modified form without departing from the essential features of the present invention. Therefore, the disclosed embodiments should be considered in descriptive sense only and not for purposes of limitation. The scope of the present invention is shown in the claims rather than the foregoing description, and all differences within the scope will be construed as being included in the present invention.

Claims (8)

In the method of providing a loan intermediation service including the principle money protection function in a computer system operated by a loan broker connected to the loan consumer terminal and the loan provider terminal via the Internet, (a) storing information on the loan consumer and the loan provider who subscribed to the service through the loan consumer terminal and the loan provider terminal in a database; (b) by using the information on the borrower and the loan provider stored in the database, and with the borrower who applied to join the protection fund for the protection of the loan principle, the loan provider through the Internet to enter into a loan agreement; Storing information about the loan contract in a database; (c) generating a fund management number for storing the information about the protection fund in a database and for managing the protection fund for each loan termination period; And (d) If the loan principal amount of the loan to which the protection fund is subscribed fails to cover the collateral disposal expenses, the loan principal and the interest subject to protection, the underpayment shall be paid from the protection fund and, if any surplus occurs in the protection fund, to the reserve account; Loan brokering method comprising the step of clearing the protection fund by earning. The method of claim 1, In step (a), (a1) announcing, via the Internet, a financial transaction agreement on the Internet as an electronic document that defines matters relating to loan brokerage, protection fund establishment, operation, liquidation, and interest subject to protection; And (a2) receiving information about the borrower and the loan provider through the terminal and receiving an application for subscription to the service from the loan consumer and the loan provider who have checked the published financial transaction agreement through the loan consumer terminal and the loan provider terminal; ; And (a3) loan brokering method comprising the step of storing the information about the loan demand and loan provider in the database. The method of claim 1, In step (b), (b1) receiving a loan application as an electronic document from the loan consumer terminal, assigning a loan number and inputting information on a security; (b2) evaluating collateral and loan applications by receiving survey information on the collateral; (b3) receiving a subscription request for the protection fund from the loan consumer terminal; (b4) calculating the loan amount and the interest rate of the loan by the program after confirming the evaluation result of the collateral and the loan application and the subscription application of the protection fund, and obtaining the loan consumer's consent; (b5) Once the loan amount and loan interest rate have been calculated, an electronic document containing the loan amount, the maturity of the loan, the interest rate of the loan, the mortgage details, the results of the evaluation of the security and the loan application, and information on the application for membership in the protection fund shall be prepared by writing a loan product statement on the Internet. Disclosure through; (b6) determining the loan provider by a program among at least one loan provider who has applied for loan supply through the loan provider terminal by checking the published loan product statement; (b7) signing a loan agreement online by writing the loan amount, the maturity of the loan, the interest rate of the loan on the loan agreement as an electronic document standardized and published through the Internet, and obtaining consent from the loan consumer and the loan supplier; (b8) sending a loan payment request to the loan provider terminal according to the loan agreement, withdrawing the protection fund subscription fee from the loan, depositing it in the protection fund deposit bank, and remitting the remaining amount to the loan consumer; And (b9) loan brokering method comprising the step of storing information about the loan brokerage in a database. The method of claim 1, In step (c), (c1) storing information about the protection fund in a database in the computer system; And (c2) lending brokerage method comprising the step of generating a fund management number in order to separate and manage the protection fund for each loan termination period. The method of claim 1, In step (d), (d1) receiving and inputting loan principal deposit notification from the loan provider terminal at any time in the computer system; (d2) inputting necessary expenses as a collateral disposal fee when there is a forced execution request from a loan provider terminal and storing information on loan repayment in a database; (d3) calculating a subject to be protected when a loan termination notice is input from the loan provider terminal; (d4) determining whether the accumulated amount of the loan principal can cover the secured loan loan principal and the interest subject to protection, and thereby confirming the underpayment; (d5) summing up the protection funds and underpayment of all loan numbers belonging to the same fund management number after the end of the loan termination period, and calculating whether the total amount of protection funds belonging to the same fund control number can cover the under sum; Determining a surplus or deficit; (d6) replenishing the protection fund by withdrawing from the reserve account when the deficit is confirmed; (d7) calculating the amount to be paid to the loan supplier who has not secured the protected loan principle with the supplemented protection fund and requesting the protection fund deposit bank server to pay the same; (d8) storing the unpaid amount as a withdrawal waiting amount in the database if the lender does not fully pay the outstanding amount; And (d9) A loan brokerage method comprising the step of paying all of the underpayment to the loan provider and accumulating the remaining protection fund as a reserve account to settle the protection fund. An apparatus for providing a loan intermediation service including a principle money protection function in a computer system operated by a loan broker connected to a loan consumer terminal and a loan provider terminal through the Internet, Through the loan consumer terminal and the loan provider terminal to store the information on the loan consumer and the loan provider subscribed to the service in the database, and using the information about the loan consumer and loan provider stored in the database for the protection of the principle A loan brokering module for signing up a loan contract by intermediating the loan provider and the loan supplier who applied for a protection fund through the Internet and storing information on the loan brokerage in a database; And In order to store information about the protection fund in the database and to manage the protection fund by the period of loan termination, the fund management number is generated. The loan intermediary device, characterized in that it comprises a protection fund management module for paying the underpayment from the protection fund and if the surplus occurs in the protection fund to accumulate the reserve fund if it does not cover. The method of claim 6, The loan brokerage module, Disclosure the financial transaction agreement on the Internet as an electronic document that defines loan brokerage and protection fund establishment, operation, liquidation and protection interest in the computer system. Receives information about the loan consumer and the loan provider from the loan consumer and the loan provider confirmed through the provider terminal receives the application for subscription to the service, and stores the information about the loan consumer and the loan provider in the database , Receiving a loan application as an electronic document from the loan consumer terminal, assigning a loan number and receiving information on the security, receiving survey information on the security, evaluating the security and loan application, and receiving the loan application from the terminal of the loan consumer. After receiving the application for subscription to the protection fund, confirming the evaluation result of the security and loan application and the application for subscription to the protection fund, the loan amount and loan interest rate are calculated by the program, and after obtaining the consent of the loan consumer, the loan amount and loan When the interest rate is calculated, an electronic document containing the loan amount, loan maturity, loan interest rate, mortgage details, evaluation results for collateral and loan application, and information about applying for protection fund subscription is prepared and disclosed through the Internet. Check the published loan product statement and apply for loan supply through the loan provider terminal Among the at least one loan provider, the loan provider is determined by the program and standardized and published electronically through the Internet. The loan agreement, loan maturity, loan interest rate is written in the loan agreement, and the agreement is obtained online from the borrower and the loan provider. The loan agreement on the bank, request the security setting according to the loan agreement, send the loan payment request to the loan provider terminal, withdraw the protection fund subscription fee from the loan, deposit it in the protection fund deposit bank, and then transfer the remaining amount to the loan consumer. Loan brokerage device, characterized in that. The method of claim 6, The protection fund management module, The computer system stores the information about the protection fund in the database, generates a fund management number to manage the protection funds by the period of the end of the loan, and the loan principal payment amount of the loans to which the protection fund is subscribed. The loan intermediary device, characterized in that the protection fund is paid by the underpayment from the protection fund, and if the surplus occurs in the protection fund, the reserve fund is settled.

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