KR100738159B1 - Interest approval method - Google Patents

Abstract

A method for approving an interest rate is provided to quickly make a decision and process an interest approval request business in a banking facility by automatically approving the interest rate and applying an additional interest rate according to each customer, manager, and branch. A right for using a system is set to a teller, a responsible person, and a branch manager. A head office approver system inputs a basic interest rate and the additional interest rate, and inputted interest rate information is stored to a host server(S310). If a teller system inputs goods application information, a controller of the teller system transmits the goods application information to a predetermined approver or the head office approver system according to the additional interest rate(S315a,S315b). If each approver inputs approval data, the host server transmits the approval data to the teller system. If the interest rate is approved, the host server stores the goods application information to a database of an accounting system server(S318a,318b).

Description

Interest rate approval method

1 is a block diagram showing an interest rate approval system according to the present invention.

Figure 2 is a block diagram showing the functional configuration of the program for executing the interest rate approval method according to the present invention

3 is a flowchart showing a method of approving an interest rate according to the present invention.

4 to 6 are capturing the execution screen of the program

The present invention relates to a method for approving interest rates, and more specifically, a financial institution can perform fast decision making on interest rate application, efficient procurement cost management, profitability analysis by case and customer, and analysis of application of interest rate by agent / store. It is about how to approve interest rates to make it possible.

In order to apply additional interest rates to commodities in addition to the prepayment rate that is commonly applied to all branches during financial transactions such as deposits and deposits at financial institutions such as banks, there was no systematic information available before. They talked with each other to apply for approval or to determine the additional interest rate.

However, if the interest rate is approved in the above manner, when the additional interest rate is given to the corresponding customer, the additional interest rate information about the customer is not systematically managed, and intuition and inefficient customer management and interest rate management are still inevitable. There was no. In addition, it was difficult to operate due to the lack of systematic customer information such as profitability analysis for customers at the branch level when handling phone approval business simply by relying on the head office. In addition, the interest rate differs depending on the approver of the head office, making it difficult to achieve consistent approval.

In addition, it was not possible to know how much margin was left when selling a particular product, and there was a problem that the margin ratio gradually decreased due to the lack of objective data and review functions, accelerated interest rate competition, and lack of mindset about employee procurement costs. .

An object of the present invention for solving the problems as described above, the commission rate that can be additionally added to the prepayment rate selectively set at all branches in the head office at the same time when selling the goods of the bank. And the headquarters interest rate, which must be approved by the headquarters, automatically apportion the raters according to the input interest rate value to allow the interest rate to be approved, automatically save the results, and systematically manage the customer's information. Employees through efficient customer management and procurement cost management by making the quick decision making and processing through the application of the additional interest rate and improvement process of the application for approval of the additional interest rate, and analyzing the interest rate inclination through the past consultation records. It is to provide a method of approving interest rates to improve their mindset.

A feature of the present invention for achieving the above object is a contact person system used by the bank clerk, the sales office payment system and the approval-related data transmitted from the contact person system that the approval data requested from the contact person system is output and the approval data is input. Interest rate approval, including a head office payment system in which a signal is output and approval data and interest rate related data are input, and a host server that connects the contact person system and the branch / office payment system and stores and aligns various data with the accounting server. System;

In the headquarters payer system, the headquarters interest rate determined by the headquarters is provided in addition to the preliminary interest rate that is basically set equally to all branches in the headquarters system, and the delegated interest rate and commission rate provided in addition to the preliminary interest rate for each branch. The entered interest rate information is transmitted from the headquarters payer system to the host server and stored in the database of the host server, and is transferred to the contact person system and the branch office / headquarters payer system. When the product application information such as customer information and additional interest rate is input, the control unit of the person in charge system reads the data in its own memory or accesses the host server, and compares the preset delegated interest rate with the inputted interest rate. When the added interest rate is less than the set commission rate In this case, the commissioning rate transmission step for sending approval of the product application data through the host server to the branch payment system so that the approval can be made. If the additional interest rate entered in the comparison step is larger than the set commissioning rate, the headquarters payment system is performed through the host server. The headquarters interest rate transmission step of transmitting the corresponding product application data so that the approval can be made, and through the commissioning rate and the headquarters interest rate transfer step, the approval-related data inputted by each settlement agent through the input means of the settlement system is received and hosted. Interest rate approval method characterized in that the server transmits the approval of the data to the relevant personnel system by providing an interest rate approval method, it can be made quickly by systemizing the financial product application process including the interest rate approval processSo while in the rates approved methods that allow you to identify the various types of data at a glance.

An embodiment of the present invention having the features as described above will be described with reference to the accompanying drawings.

1 is a block diagram showing an interest rate approval system according to the present invention.

Interest rate approval system according to the present invention is composed of a person in charge of the system 110 associated with interest rate approval, the branch office / head payer system 120, 130 and the host server 140 and the account server 150, A representative system 110 and a branch office / headquarters payer system 120, 130 use a computer having conventional input / output means, memory and control means, and the host server 140 and accounting server 150 It is configured with its own database.

In the above configuration, the person in charge of the system 110 checks the menu for the product application output by the display means, and the product application information such as customer information, interest rate, product type is input through the input means, and various data and interest rate approval program are inputted. It is recorded in memory and used by bankers who do not have payment rights.

In addition, the branch payer system 120 outputs the requested product application information to the display means, and whether the approval data is input through the input means, and various data and a program for rate approval are recorded in the memory, and the designated payer ( For example, the assistant manager) uses it.

Headquarters payer system 130 is installed in the interest rate approval program, the transmitted data is output to the display means, and through the input means various information, such as the prepayment rate, commission rate and the headquarters interest rate and approval signal is input and recorded in the memory It is used by the rate approval officer of the headquarters.

In addition, the host server 140, including the interest rate information input from the headquarters payer system 130, the various data output from the person in charge of the system 110 and the branch office / headquarters payer system (120) 130 has its own database It is in charge of the signal transfer between the person in charge of the system 110 and the branch / head payer system (120, 130) to ensure smooth interest rate approval and data storage and sorting, and the approved product data is stored in the accounting server ( 150 to transmit the corresponding information to the database of the accounting server 150.

In addition, the account server 150 has been managed by the existing bank, the product-related information is recorded.

Figure 2 is a block diagram showing the functional configuration of the program for executing the interest rate approval method according to the present invention.

The program constituting the interest rate approval system according to the present invention is largely composed of an application / approving unit 210, an inquiry unit 220, and an account processing unit 230, and the application / approving unit 210 is a task list unit 211. ) And the consultation application unit 212, the inquiry unit 220 is composed of past consultation inquiry unit 221, business information inquiry unit 222, reduction data inquiry unit 223, account processing unit 230 Is related to the work of the accounting server to be linked with the host server.

First, the task list unit 211 constituting the application / approving unit 210 is composed of a personal list, a list of stores, a list of concluding, the personal list indicates the handling and progress of the author, and others can not search. The list of departments can be searched by all staff members and shows the overall progress and handling of the departments. The final list is displayed only to the top finalists who need to settle the final settlement after approval of the final settlement. If the approval is confirmed, the final list will be removed from the final list. If it is selected, the person in charge or the payment system connects to the host server and reads the data and outputs it to the display means.

In addition, the consultation application unit 212 is composed of a delegation rate, headquarters interest rate, post-application. After the procurement cost evaluation, the commissioned interest rate is applied to the commissioned interest rate if a certain interest rate limit (eg 0 ~ 0.3% p) is exceeded, which is granted by branch. The application shall be made in the event that the additional interest rate is to be applied in excess of the mandated interest rate, and the post-application is a procedure to receive a pre-approval number and register afterwards in the event of a computer error and other similar cases or when the system cannot be used. At this time, the product application information input from the person in charge system is transmitted to the payment system through the host server, the result is recorded in the host server.

The inquiry unit 220 retrieves the contents recorded in the database of the host server or the accounting server and outputs them, and transmits the input contents to the host server to record the contents in the database of the host server. As a function that can monitor the contents and information of customers in real time, the past consultation inquiry unit 221 is composed of customer-specific inquiry, date-specific inquiry, sales office inquiry. Inquiry by customer can search the entire contents of the past consultation by customer's name or social security number. Inquiry by date can be inquired by specific date or comparison date (~ to ~). The past consultation history can be inquired, and this is also achieved by reading the contents recorded in the database of the host server and outputting them to the display means.

The job information inquiry unit 222 constituting the inquiry unit 220 is composed of an inquiry task, due date management, and code management. The inquiry service can look up customer information (general summary information, customer profile information, account status, cross-selling status, excellent customer inquiry) and margin rate by product, and when issuing new CD or cover paper, the interest rate and periodic deposit interest payment method are changed. (Maturity payment → monthly payment, monthly payment → payment due) Gives the ability to query the applicable interest rates.

In addition, the date management enables the expiration of the corresponding department can be inquired by product type, branch, and comparison date. Code management is a function required to calculate the margin rate of each case and the limit of branch delegation by the function of inputting the reason for the additional interest rate, the delegation rate of each branch, the provision of the reserve ratio and the deposit insurance premium rate, and the input of the store prepayment rate.

Reduction data inquiry unit 223 constituting the inquiry unit 220 is composed of the commissioned interest rate handling history, headquarters interest rate handling history, post-application handling history, the entire handling history inquiry function. Tuning unit, but constructed to be viewed the treated content from the application / acknowledgment unit 210, as in the past, consult lookup unit 221 in real-time, a different point between the past consult lookup unit 221 account processing unit (23 0) Regardless of the interworking, all the information recorded in the host server is consulted / inquired, but the data retrieval inquiry unit 223 is linked to the account processing unit 230 in the application / approving unit 210 and executed only in the case where the information is executed. Is to provide.

The interest rate approval system linking unit 231 constituting the account processing unit 230 is responsible for transmitting the result approved by the consultation application unit 212 in the application / approving unit 210 to the account accounting server, and the business processing unit ( 232 registers the contents transmitted from the interest rate approval system linking unit 231 to the database of the accounting server by an automatic input method, and newly or postpones deposits 233 to the database of the accounting server.

The work rights management unit 240 is a function for granting the authority to use the system, and the authority is classified into the person in charge (B1), the person in charge (B2), and the branch manager (B3) by position. The connection itself is designed to be impossible. However, the person in charge (B2) and the branch manager (B3) can be assigned to the person in charge (B1) function, but the attendant is characterized by the enhanced function to verify only the person in charge (B1).

Therefore, the employees of the bank can check the case-by-case margin and customer information through their terminals in real time, and can analyze the interest rate status of their departments as well as their own interest rate applicability. .

3 is a flowchart illustrating a method of approving an interest rate according to the present invention, and FIGS. 4 to 6 are diagrams illustrating execution screens of a program.

First, the procurement cost evaluation is carried out monthly, and the commission rate limit for each branch and corresponding headquarters is selected and input through the input means of the headquarters payer system by selecting the code management menu of the program (S310).

The branch office drives the business rights management unit of the program through the representative system and the branch payer system, and registers the representative B1, the responsible person B2, and the assistant manager B3 (S311 to S312).

When the setting is completed as described above, the banker drives the application / approval unit of the program through the input unit of the person in charge system as shown in Fig. 4, and selects a menu according to the corresponding interest rate from the 'Delegation Rate' and 'Headquarter Interest Rate' menus. When the product application information input screen according to the interest rate is displayed on the display means, a plurality of information such as customer information, application classification (new / update), amount, subject, period, and additional interest rate are input.

In this case, the delegation rate limit of the branch is output to the display means, and the applied interest rate is compared with the delegation rate limit recorded in the memory of the manager's system or the database of the host server. The menu allows you to automatically move to the 'Headquarters Interest Rate' menu, and the 'Headquarter Interest Rate' menu is the same as the 'Delegation Rate' menu, and the input limit of the interest rate is different.

After the input is completed, if you click the inquiry button, the branch margin is displayed on the next screen and displays the amount of revenue by handling cases. At this time, the FTP (internal interest rate) is notified every day before the start of business, and it shows the reserve ratio cost ratio and deposit insurance fee ratio entered through the code management menu of the business information inquiry department. By deducting the amount deducted in consideration of profits, etc., it is possible to raise the mindset of employees' procurement costs. Here, if it is necessary to change whether the amount of profit is excessive or not, click the Change button to switch to the consultation contents input screen. If no change is needed, click the Apply button to proceed to the next step. (S313)

When the application button is clicked, the application information is displayed on the screen. In this process, it is determined whether the applied interest rate is the central interest rate or the delegated interest rate (S314). If the applied interest rate is the central interest rate, a separate menu for applying for the central interest rate is applied. Is displayed on the screen. If you look at the input items, you can enter the customer's real name number (resident registration number, business number) and customer name, and select the expected date of handling by using the calendar function. Select and enter among the preset reasons, and directly enter the contractor or select from the database where all the employees of the branch are registered.

In addition, the approval department is automatically set in the corresponding headquarters of the department to which it belongs, there is no need for a separate input. In this case, if there is a difference between the delegation rate limit and the additional interest rate of each headquarters, an error message is displayed and the screen is automatically switched to the application screen of the upper department (headquarters).

Applicant designator (B1, B2) indicates the entire authority registered in the work authority management 40 so that only the person in charge can be selected or the host server can automatically select. In addition, to speed up the work, it is designed to receive payment after designating the choice of return, and it is possible to input a message by using the field to deliver the conversation or information that cannot be made in front of the customer or the customer. Allow information to be shared between staff.

When the application process is completed as described above, the host server transmits the product application information to the payment system provided by the branch office or the headquarters payer according to the transmitted application information. Through the system to be handled in advance, and if the mandated interest rate limit is exceeded, the application information is transmitted to the headquarters payer system for processing (S315a to S318b).

As described above, when the product application information including the additional interest rate information is transmitted to the applicator system as shown in FIG. 5, the applicator judges whether the applicator is appropriate. Customer information such as information, personal information, account status, cross-selling status, and excellent customer inquiry are output in a pop-up window, and the delivery information entered at the time of application is displayed in the representative system.

Looking at the output of the customer information above, first click on the customer information to display the customer's bank contribution and excellent customers, the comprehensive summary information represents all information about the customer and can also look up the identification card. Customer's personal information includes information such as customer's residence, occupation, personal information and telephone number. The account status shows not only the user's receipt and credit, but also the account of the person concerned. The cross-selling status indicates the number of accounts held by the customer, the presence of electronic banking, the date of the first transaction, and the transaction status. (③-370-8) Click on the subscriber to display the information on the subscriber.

In addition to this, when inquiring the past consultation history with the outsider, the corresponding information is displayed through a pop-up window.

In this way, the approval or return information and delivery information of the product information data applied through the audit is input through the input system of the payer system, and the rejected matters are retransmitted to the system of the person in charge of the initial consultation / applicant after being reviewed. If the person in charge needs to reapply for the rejected case, the relevant data can be retrieved from memory without changing the rewriting process, and only the item to be changed can be changed and reapplyed.

And, after approval, the approval contents are recorded and transferred to the task list by the handler in the database of the host server, and when the operator clicks the contents transmitted to the task list through the manager's own system, the account transfer screen is displayed. Automatically interlocked, the host server sends the data to the accounting server for new or deferred processing.

At this time, to cancel the approval due to the customer's request or unavoidable reasons, click the Cancel button to save the data only in the past consultation record and delete the rest.

All the contents processed as above can be reviewed in real time through the past consultation inquiry, business information, and reduction data inquiry function. (S319a, S319b)

Meanwhile, the data transmitted to the approver or the handling person during the approval process displays the contents together with the ringing bell as shown in FIG.

The interest rate approval system according to the present invention can make a strategy for attracting customers who are aware of how much profit is left in a specific product in advance from the employee's point of view, and suggesting more interest rates to customers who are separated to other banks. Customers can use strategies to boldly demarket, as well as provide their customers' information in real time, enabling effective marketing strategies with quick decision making.

On the other hand, banks can not only manage the overall procurement cost of the bank, but also can track the procurement cost performance of each employee in real time and facilitate efficient NIM (net interest margin) management.

In addition, by analyzing future transaction trends of customers with high interest rates and classifying them as potential customers, the company's earnings can be further strengthened by encouraging exclusive transactions or cross-selling.

In addition, it can provide an opportunity to demarket for customers whose performance is insignificant compared to the application of additional interest rates.

Claims (7)

delete delete A person accountant system used by a bank clerk, a branch office payment system in which approval data requested by the person in charge system is output, and whether approval data is input, a head office payment system in which data transmitted from the person in charge system is output and an approval signal is input; It uses a host server that connects a representative system with a sales office / headquarters payer system and an account server. Authorize the user to use the system in relation to the interest rate approval process, but the authority is classified into the person in charge (B1), the person in charge (B2), and the branch manager (B3). In order to make it impossible, the approver can grant the person in charge, branch manager and the person in charge, but the employee can only grant the person in charge. In the headquarters payer system, the prepayment rate that the headquarters provides in common to all branches and the additional interest rate additionally provided to the prepayment rate for each branch are entered through the input means, but the additional interest rate is within the range that the branch payer can settle. It consists of the headquarters interest rate higher than the commissioned interest rate and the above-mentioned commission rate, and the payer of the headquarters can settle the interest rate. The interest rate information is stored in the host server and is transferred to the representative system and the branch / headquarters payer system. Setting up steps, When the product application information such as product information, customer information, and additional interest rate is input through the input unit in the representative system, the control unit of the representative system determines the additional interest rate and the branch payer or headquarters setter set in the interest rate setting step according to the applicable interest rate. A transmission step of transmitting the product application information to the system; Through the above transmission step, when each paymentor inputs the approval-related data through the input means of the payment system, the interest rate approval step which the host server transmits to the corresponding person's system; If the interest rate is approved in the interest rate approval step, the interest rate approval method comprising the accounting step of recording the corresponding product application information in the database of the accounting server in connection with the account server. According to claim 3, In the interest rate approval step, the display means of each payment system is provided with the corresponding product application information, the customer confirmation menu that can be checked by viewing the past records, personal information of the customer, Interest rate approval method characterized in that a pop-up window that displays the customer information is displayed when the customer confirmation menu is clicked. 4. The display unit according to claim 3, wherein the display means further displays a memo window for communication between the person in charge and the payer at the time of inputting the product application information, and the receiving means is displayed on the display means of the party system or the payer system when the product application data is transmitted. Interest rate approval method characterized in that the contents are briefly displayed with a bell. According to claim 3, when the input of the product application information is completed, the amount of profit is automatically calculated by calculating the procurement cost rate such as interest rates, reserves, deposit insurance premiums and bank accounts, and output to the display means of the person in charge system. Interest rate approval method characterized in that. delete

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