KR100821291B1 - Small sum cash backed lending system and method thereof - Google Patents

Abstract

A system and a method for providing a small secured loan are provided to enable a borrower of a low credit level to receive the small secure loan directly from a financial facility by providing security from a plurality of users in a reverse auction mode. A financial facility account management system(200) enables a member to provide security by determining a security range based on balance of the member, and restricts withdrawal as much as the security when the member joins in auction or gets to be a successful bidder. The account management system transfers a loan automatically to a borrower when the member gets to be the successful bidder, or collects a principal on a repayment day. A member account management system(300) processes participation in the auction and auction notification of each member by using a reverse auction system(400), transfers the principal of the borrower to a bank account on the repayment day, and collects a fee presented in the auction from a bank when the borrower pays the monthly repayment to the bank. The reverse auction system receives application from security providers when the borrower opens the auction, and processes the auction by making the security providers lower the fee.

Description

Small sum cash backed lending system and method

The present invention brokers lenders and mortgage-seekers to provide collateral in a reverse auction manner from a large number of individuals so that low credit ratings, which are virtually impossible to borrow from institutional banks, can be borrowed directly from institutional finance such as commercial banks. Reinventing and promoting the image of a low credit rating that is virtually impossible for loans to support economic stability of the underprivileged, as well as securing potential customers, opportunities for cross selling, and secured deposits. Increasing soundness by receiving receipts, and providing low credit rating holders with the opportunity to reuse institutional financial services to secure loans and repayment within the framework of institutional finance, as well as ultimately crashing credit ratings. Up the loan, get a loan from the financial sector If the applicant wishes to open an auction in which the security is secured and the applicants to provide a large number of collaterals, that is, the auctioneers, participate in the auction in the form of reverse auctions in the form of competing in the form of lowering the collateral fee. A microloan loan system and method that reduces interest costs, improves the possibility of increasing credit ratings by easing loan restrictions, opportunities to use additional services to purchase specific products from financial institutions, and reuse of institutional financial services. Is about technology.

The number of low credit ratings that are currently flowing into Kori's loan market is 7.2 million, many of which are potential customers of institutional financial institutions with fixed incomes.

Registered loan market users have a considerable overlap with institutional financial institution users (69% of loans from institutional financial institutions), and small credit loans of less than 5 million won (91%) account for short-term loans of less than 6 months. This is 41%. The most common cause of loan market use is financing (26%), including education and hospital expenses.The market for registered loans is used by users with a certain degree of repayment ability, or after the use of loan companies. The problem is that it becomes virtually impossible.

In addition, to recover a credit rating that has once fallen, institutional financial institutions must have a record of transactions. If the credit rating falls below seven, it is impossible to trade financial instruments except deposits and savings products. Until recently, those who had been immunized after filing for bankruptcy were denied, but now they have been able to reconcile with the FSS and the National Human Rights Commission. In the case of mortgage cards that indemnities deposit mortgages and can only be used within that scope, only KEB is available among commercial banks.

To date, existing "personal lending mediation systems" have been invented to provide loans at low rates to financially underprivileged groups that require interpersonal lenders to use or have loans to lenders. and method according) using the patent registration number (773295). However, one investor is allowed to lend a small amount (20,000 won) to each lender of the loan. Even if it is a small amount, the legality of the lending behavior is ambiguous under the domestic law (loan business law). It is true that the offer has been reluctant.

Therefore, it is possible to provide subsidized loans to low credit rating classes that have no choice but to use lenders, and to use them for institutional financing. The development of the system is urgently required.

Accordingly, the present invention has been conceived to solve the above problems, and in fact, the loan hoped to provide collateral in a reverse auction manner from a large number of individuals so that low credit ratings, which are virtually impossible to borrow from institutional finance, can be directly loaned from institutional finance such as commercial banks. The purpose of this study is to provide a microloan loan system and a method for brokering mortgages and mortgages.

Another object of the present invention is to secure a cross-border (as well as to remodel and promote the image of a company that supports the economic stability of the underprivileged by providing loans to low credit ratings that financial institutions cannot actually loan. It is to provide a micro secured loan system and its method which have the advantage of improving the soundness of the financial sector by increasing the chance of cross selling and secured deposit.

In addition, another object of the present invention is to provide low credit rating holders with the opportunity to reuse institutional financial services so that they can securely receive and repay loans within the framework of institutional finance, and ultimately crashed credit ratings. To provide a small mortgage lending system and a method for raising the price.

Another object of the present invention is to open an auction in which an applicant wishing to obtain a loan from a financial institution is provided with a collateral, and a plurality of collateral-providing applicants, namely, auction participants, compete in the form of reverse auctions in the form of lowering the fee for providing collateral. As a result, the interest expenses of loan applicants can be reduced by participating or rejoining, and the credit rating can be improved by easing loan restrictions, opportunities to use additional services to purchase certain products of financial institutions, and reuse of institutional financial services. The present invention provides a micro secured loan system and a method for enhancing the possibility.

In addition, another object of the present invention is to improve the "interpersonal loan intermediation system and method" currently implemented to eliminate ambiguity in the domestic law, to assist the lenders of low credit ratings, and to provide investors with cash collateral In addition to providing a safer investment compared to “interpersonal loan intermediation systems and methods”, it also provides a microloan loan system and method that alleviates the tax burden and promotes investment activities that consider low credit ratings.

The microloan loan system according to the preferred embodiment of the present invention allows to provide a collateral over the balance by examining the balance of each member to determine the scope of the collateral provision, and when participating or auctioning to provide the collateral, A financial institution account management system that plays a role of limiting the withdrawal as much as collateral, and is responsible for automatically transferring the loan to the applicant or receiving the principal on the repayment date at a successful loan application auction; The reverse auction system is used to secure the registration and renewal of the contents of auctions for private members and secured loan applications by using the reverse auction system.In the case of loaned members, the loan is transferred to the bank account when the repayment date arrives. In the case of a member who provided collateral, the bank account shall be provided with the function of receiving the collateral fee presented at the time of participation in the auction from the bank at the time of repayment of the monthly repayment of the debtor and the amount of the loss within the amount of collateral participated in the event of a loss by the debtor. A member account management system that plays a role in providing to the member; When a member who wishes to secure a mortgage opens an auction, he or she will receive the auction from the prospective collateral who wishes to provide the bank with collateral for the debtor and take the fee. If you participate in more than one auction, you can re-enter competitively in the form of lowering the mortgage fee between the excess participants, and select the successful bidder among the mortgage applicants on the above-mentioned date and save it in the transaction DB, member DB and account DB. A reverse auction system that plays a role; Characterized in that it comprises a.

In the present invention, the financial institution account management system is characterized in that it comprises a member DB, a transaction DB, an account DB, and a member account.

In addition, in the microloan method according to the preferred embodiment of the present invention, the flow process of the financial institution account management system includes the steps of grasping the current status of the bank account of the microloan reverse auction system in the financial institution account management system; Checking a successful bid loan case secured by the financial institution account management system; In the step of checking the successful bid, if there is a new auction, the financial institution account management system provides a loan to the loan applicant and then withdraws the collateral of the collateral provider and stores it in the member DB and the transaction DB. If there is no new bid, checking the balance of each member account in the bank account; Checking the balance of each member account and then determining whether there is a repayment target and whether a credit is incurred by a financial institution account management system; If the loan is to be repaid as a member who is loaned and repaid at the stage of judging whether it is subject to the repayment and the occurrence of bad debts, and there is no bad debt, the auction provider who received the repayment principle and provided collateral for the loan of the member In case of loss of credit due to prolonged delinquency due to bad debts and loss of time gains, the financial institution account management system transfers the bonds to the respective mortgage providers and collects them within the mortgage provided by the mortgage. Transferring to an account; Characterized by including.

In the present invention, in the step of determining whether or not to be repaid through the financial institution account management system after checking the balance of each member account, if there is no member currently eligible for repayment after receiving the loan, each member provides the security Paying interest on the amount deposited in the account; Giving a weight for each member grade in a financial institution account management system based on each member's transaction history and repayment ability account balance from the member DB, the transaction DB, and the account DB after paying the interest; Assigning a security limit so as to provide collateral over a cash balance in a financial institution account management system after giving the weight for each membership class; Designating the security limit and storing the security limit in an account DB; It characterized in that it further comprises.

In addition, in the microloan loan method according to the preferred embodiment of the present invention, the flow of the account management for each member (collateral provider, loan applicant) includes the steps of grasping the current status of the first member account in the member account management system; Receiving the interest from the bank account on the cash balance for the auction and transferring it to each member; Determining whether a loan is applied for each member in a reverse auction system; A member wishing to make a loan, opening a loan application and a secured reverse auction in a reverse auction system; Opening a reverse auction in the reverse auction system and then transferring the loan to a member account in a financial institution account management system when the auction is successful through competition of the auction participants who wish to provide collateral; Loan money transferred to the member account is to be used again after the transfer to the real account in the financial institution account management system; After the transfer from the financial institution account management system to the real account, withdraw and use it, when the principle payment date arrives, when the funds are deposited into the real account or the member account through the virtual account, the redemption process is automatically performed by the financial institution account management system; Characterized by including.

In the present invention, in the step of determining whether or not to apply for a loan in the reverse auction system for each member, when the member wishing to borrow the loan is not loaned, the bidding inspection is limited to the participation in the security offer auction and the reverse auction system is Accessing the auction; If the auction is successful, the financial institution's account management system performs loan inspection during the repayment after being stored in the transaction DB, but if the auction is not successful, the financial institution's account management during the repayment of the successful loan of the member who wishes to provide collateral Checking the loan in the system; During the repayment, when the debtor loses timely profits during the loan inspection and the credit is incurred, the bank retains the loss within the mortgage amount in the mortgage and stores it in the member DB, transaction DB, and account DB. Receiving a fee for providing security from the bank account management system when the principle payment is normally made, and storing the details in the member DB, the transaction DB, and the account DB; It characterized in that it further comprises.

Microloan loan system and method according to the present invention has the following effects.

First, the present invention brokers loan-seekers and mortgage-seekers to provide collateral in a reverse auction fashion from a large number of individuals so that low credit ratings, which are virtually impossible to borrow from institutional banking, can be directly loaned from institutional finance such as commercial banks.

Secondly, the present invention provides financial reinforcement and promotion of corporate image that supports financial stability of the underprivileged by providing loans for low credit ratings that are virtually impossible to secure, as well as securing and cross-selling potential customers. Improves soundness by increasing the chances of selling and secured deposits.

Third, the present invention not only enables the low credit rating holders who wish to borrow, but also provides opportunities for reuse of institutional financial services so that they can securely receive and repay loans within the framework of institutional financials, and ultimately raise the downgrade of credit ratings. Let's do it.

Fourth, the present invention newly participates in the auction in the form of a reverse auction in which an applicant wishing to obtain a loan from the financial sector opens an auction in which collateral is provided and a plurality of collateral providing applicants, that is, auction participants, compete in the form of lowering the collateral fee provided. As a result, the interest costs of loan applicants are reduced, resulting in the reduction of loan restrictions, the possibility of using additional services to purchase certain products of financial institutions, and the possibility of raising the credit rating by the reuse of institutional financial services. Enhance.

Fifth, the present invention improves the "interpersonal loan intermediation system and method" currently implemented to remove ambiguity under domestic law, and the purpose of helping the lenders of low credit ratings, and for investors who provide cash collateral, the existing "interpersonal Not only can you invest more securely than a loan brokerage system and method, but it also eases the tax burden and promotes investment activities that are considerate of low credit ratings.

Sixth, the present invention has a small number of small-scale collateral to the company that prepares for the start-up through the lending system or the company that is experiencing difficulties due to lack of funds because there is almost no angel investment actively in the country It can be used as a tool to secure funds from banks.

Looking at the preferred embodiment of the present invention together with the accompanying drawings as follows, when it is determined that the detailed description of the known art or configuration related to the present invention may unnecessarily obscure the subject matter of the present invention The description will be omitted, and the terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators, and the definitions thereof describe the microloan loan system and the method of the present invention. It should be made based on the contents throughout the specification.

1 is a block diagram for explaining a microloan loan system according to an embodiment of the present invention, Figure 2 is a flow chart of a financial institution account management system according to an embodiment of the present invention, Figure 3 is a work of the present invention Flow chart of the account management for each member (collateral provider, loan applicant) in the microloan loan system according to the embodiment.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Like reference numerals in the drawings denote like elements.

Referring to FIG. 1, the microloan system 100 according to an embodiment of the present invention includes a financial institution account management system 200, a member account management system 300, a reverse auction system 400, a member DB 500, It includes a transaction DB (600), an account DB (700), the account DB (700) stores the account information of each member 800, the account DB (700) exists independently as a virtual account or bank Each member may interact with the real account 900.

As shown in FIG. 1, the microloan loan system 100 examines the balance of each member to determine a range of collateral provision so that the collateral may be provided above the balance, and to participate in the auction or to win the collateral. A financial institution account management system 200 which serves to limit the withdrawal as much as the corresponding collateral, and automatically transfers the loan to the applicant or receives the principal on the repayment date in the successful loan application auction; The reverse auction system is used to secure the registration and renewal of the contents of auctions for private members and secured loan applications by using the reverse auction system.In the case of loaned members, the loan is transferred to the bank account when the repayment date arrives. In the case of a member who provided collateral, the bank shall receive the collateral fee presented at the time of participation in the auction from the bank at the time of repayment of the monthly repayment of the debtor. A member account management system 300 which plays a role of providing; When a member who wishes to secure a mortgage opens an auction, he / she will receive the auction from the mortgage-seeker who wants to provide the bank with the collateral for the debtor and take the fee, but may rejoin the auction from time to time as suggested by the auction applicant. If you participate in the auction more than the required number of participants to compete again in the form of lowering the mortgage fee between excess participants, select the successful bidder among the mortgage applicants on the date presented above, the transaction DB (600) and the member DB ( 500 and the reverse auction system 400, which serves to store the account DB 700; It is provided.

The function of each technical means constituting the microloan system 100 is as follows.

The financial institution account management system 200 checks the balance of each member to determine the range of collateral provision to provide collateral over the balance, and withdraws as much as the collateral when the auction or bid is offered to provide collateral. It plays a role of limiting and is responsible for the automatic transfer of loans to the applicant or the receipt of the principal on the date of repayment at a successful loan application auction. In this case, the financial institution account management system 200 includes a member DB 500, a transaction DB 600, an account DB 700, and a member account 800.

The member account management system 300 is responsible for registration renewal and deletion of the contents of the auction for the private member offer auction participation and secured loan application using the reverse auction system, and the loaned member receives the principle money when the repayment date arrives In the case of the member who provided the collateral, and the member who provided the collateral, the debtor's monthly repayment fee is the function to receive the collateral fee presented at the time of participation in the auction and the collateral amount in case of the bank's loss due to the debtor's bad debts. It is responsible for providing the bank account with the losses.

The reverse auction system 400 receives auction participation from a mortgage-providing person who wishes to secure a loan for the debtor and take the fee when the member who wishes to secure the mortgage opens an auction. If you can re-enter the auction, and if you participate in the auction more than necessary, you can re-enter competitively in the form of lowering the mortgage fee between the excess participants. 600, and stores the member DB 500 and the account DB 700.

Hereinafter, the flow process of the financial institution account management system and the flow of the account management for each member (collateral provider, loan applicant) in the microloan loan system according to an embodiment of the present invention.

Figure 2 illustrates the flow of the financial institution account management system according to an embodiment of the present invention,

As can be seen in the screen shown in Figure 2, first, the financial institution account management system 200 to grasp the current status of the bank account of the small amount secured reverse auction system (400) (S101). Here, based on the transaction DB (600) to identify the demand for cash and the prospective loan provider for the future and the future demand for cash to store the transaction DB (600) so that the bank staff can look it up. . In the subsequent step S102, the financial institution account management system 200 checks the newly-loaned successful bid, and when there is a newly auctioned bid, the financial institution account management system 200 provides the loan applicant with the loan. After (S103) and withdraw the collateral of the security provider (S104), and stores in the member DB (500) and the transaction DB (600). However, if there is no new auction, the balance of each member account in the bank account is checked (S105). After checking the balance of each member account, the financial institution account management system 200 determines whether the loan is subject to repayment and whether or not there is a bad debt. Receive (S106), and provides a fee for each of the auction providers provided collateral for the loan of the member (S107).

However, when the delinquency is prolonged due to the delinquency and loses the profits, the financial institution account management system 200 transfers the bonds to the respective security providers (S108), and receives them within the security provided by the bank as much as the loss from the security provider (S109). ) And transfer to your bank account.

In addition, if there are no members who are eligible for repayment after the current loan, each member pays interest on the amount deposited into his or her account, and from member DB (500), transaction DB (600) and account DB (700) Based on the transaction history of each member and the repayment capacity account balance, the financial institution account management system 200 assigns a security limit to provide collateral above the cash balance by giving weights for each member level (S110) and then accounts for the security limit. Save in DB (S111) and exit.

Figure 3 illustrates the flow of account management for each member (collateral provider, loan applicant) in the microloan loan system according to an embodiment of the present invention,

As can be seen on the screen shown in Figure 3, first, the member account management system 300 to grasp the current status of the first member account (S201). here, Inquiry about the loans being repaid for each member's account, inquiry on the repayment of collateral provided, the auction offerings participating in the auction, the balance of cash and the available auctions available for additional participation, and then the transaction DB 600 Save each member This can be retrieved from the dedicated homepage. Subsequently, in step S202, the cash balance for the auction participation is received from the bank account and transferred to each member.

Next, the member wishing to borrow the loan is opened in reverse auction system 400 to apply for a loan and collateral (S203), and when the bid is auctioned through the competition of the auction participants wishing to provide the loan, the financial institution's account management system (200) The transfer to the member account (S204), and the loan is transferred to the real account again in the financial institution account management system 200 and withdraw the money used. After the principle repayment date arrives when the deposit to the member account through the deposit or virtual account of the member (S205) is automatically repaid by the financial institution account management system 200 (S206).

In addition, if a member who wishes to borrow a loan does not make a loan, the bidder is inspected only for the participation in the secured auction and the auction is accessed from the reverse auction system 400. If the loan inspection (S207) is performed at 200, but the auction is not successful, the loan inspection (S207) through the financial institution account management system 200 during the repayment of the successful loan of the member wishing to provide the collateral When the debtor loses timely profits and suffers bad debts, the bank retains the loss within the amount secured by the bank in the financial institution account management system 200, and then the member DB (500), transaction DB (600), and account DB (700). ) And when the repayment of the principal's principal is made normally, the commission of the security provision is received from the bank account management system (S209), and the details are recorded. Member DB (500), transaction DB (600), account DB (700) is stored and terminated.

Looking at the advantages according to a preferred embodiment of the present invention.

First, in order to use the microloan loan system 100, a certain amount of cash is deposited in a bank account to be used for executing a loan. Here, when a member deposits cash into a real account linked to a virtual account or his virtual account to provide collateral, the deposit details are displayed on the member account provided on the member homepage. Then, the bank pays the interest corresponding to the deposited amount, and adds the weighted amount by membership class to the deposited amount so that the security can be provided more than the deposited amount.

Second, the loan applicant selects the amount he wants and the maximum allowable interest rate and period, and decides the auction period, and selects one of 50/100/2 million won as follows, and the loan period is 3/6/9/12 Should be chosen out of months. In the case of the interest rate, only the maximum interest rate that can be accepted within 29% per year should be listed. The interest is the sum of the fixed 4% interest of the bank and the mortgage rate of the mortgage provider (0-25%). If the auction applicant, the lender, opens the auction at 10%, the mortgage provider will increase the mortgage rate by up to 6%. You can participate in the auction by presenting. The loan amount, the interest rate of the bank and the commission rate of the mortgage provider may vary.

Third, the person who wants to provide collateral has limited the amount that the collateral can provide for the security per auction to 20,000 won for the risk diversification of the current collateral provider, but the amount may vary. After bidding, account points will be withdrawn from the bid amount.

As described above, various substitutions, modifications, and changes can be made by those skilled in the art without departing from the technical spirit of the present invention, and thus, the embodiments and the accompanying drawings are limited. It doesn't happen.

1 is a block diagram for explaining a microloan loan system according to an embodiment of the present invention.

2 is a flow chart of a financial institution account management system according to an embodiment of the present invention.

Figure 3 is a flow chart of the account management for each member (secured provider, loan applicant) in a microloan loan system according to an embodiment of the present invention.

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

10 ... microcredit loan system 200 ... financial institution account management system

300.Account Management System 400 ... Reverse Auction System

500 ... Member DB 600 ... Transaction DB

700 ... Account DB 800 ... Account information of each member

900.Real Account of Each Member

Claims (6)

In microloan system, It checks the balance of each member and decides the scope of collateral to provide collateral over the balance, and plays a role in limiting the withdrawal as much as the collateral when the auction or bid is offered to provide collateral. A financial institution account management system, which is responsible for automatically transferring loans to applicants at the application auction or receiving principle payments on a repayment date; The reverse auction system is used to secure the registration and renewal of the contents of auctions for private members and secured loan applications by using the reverse auction system.In the case of loaned members, the loan is transferred to the bank account when the repayment date arrives. In the case of a member who provided collateral, the bank shall receive the collateral fee presented at the time of participation in the auction from the bank at the time of repayment of the monthly repayment of the debtor. A member account management system which plays a role of providing; When a member who wishes to secure a mortgage opens an auction, he or she will receive the auction from the prospective mortgagee who wishes to provide the bank with collateral for the debtor and take the fee, and may rejoin the auction from time to time as suggested by the auction applicant. If you participate in more than one auction, you can re-enter competitively in the form of lowering the mortgage fee between the excess participants, select the successful bidders among the mortgage applicants and save them in the transaction DB, member DB and account DB. A reverse auction system that plays a role; Small security loan system comprising a. The method of claim 1, The financial institution account management system is a micro secured loan system, characterized in that it comprises a member DB, a transaction DB, an account DB, and a member account. In the microloan method, The flow process of the financial institution account management system includes the steps of grasping the current status of the bank account of the micro secured reverse auction system in the financial institution account management system; Checking a successful bid loan case secured by the financial institution account management system; In the step of checking the successful bid, if there is a new auction, the financial institution account management system provides a loan to the loan applicant and then withdraws the collateral of the collateral provider and stores it in the member DB and the transaction DB. If there is no new bid, checking the balance of each member account in the bank account; Checking the balance of each member account and then determining whether there is a repayment target and whether a credit is incurred by a financial institution account management system; If the loan is to be repaid as a member who is loaned and repaid at the stage of judging whether it is subject to the repayment and the occurrence of bad debts, and there is no bad debt, the auction provider who received the repayment principle and provided collateral for the loan of the member In case of loss of credit due to prolonged delinquency due to bad debts and loss of time gains, the financial institution account management system transfers the bonds to the respective mortgage providers and collects them within the mortgage provided by the mortgage. Transferring to an account; Small security loan method comprising the. The method of claim 3, wherein After checking the balance of each member account and determining whether it is subject to repayment through the financial institution account management system, if there is no member who is currently eligible for repayment after receiving the loan, each member deposits the security provision in his / her account. Paying interest on; Giving a weight for each member grade in a financial institution account management system based on each member's transaction history and repayment ability account balance from the member DB, the transaction DB, and the account DB after paying the interest; Assigning a security limit so as to provide collateral over a cash balance in a financial institution account management system after giving the weight for each membership class; Designating the security limit and storing the security limit in an account DB; Small security loan method characterized in that it further comprises. In the microloan method, The flow of account management for each member (the security provider and the loan applicant) includes the steps of identifying the status of the first member account in the member account management system; Receiving the interest from the bank account on the cash balance for the auction and transferring it to each member; Determining whether a loan is applied for each member in a reverse auction system; A member wishing to make a loan, opening a loan application and a secured reverse auction in a reverse auction system; Opening a reverse auction in the reverse auction system and then transferring the loan to a member account in a financial institution account management system when the auction is successful through competition of the auction participants who wish to provide collateral; Loan money transferred to the member account is to be used again after the transfer to the real account in the financial institution account management system; After the transfer from the financial institution account management system to the real account, withdraw and use it, when the principle payment date arrives, when the funds are deposited into the real account or the member account through the virtual account, the redemption process is automatically performed by the financial institution account management system; Small security loan method comprising the. The method of claim 5, In the step of determining whether the loan application is applied in the reverse auction system for each member, if the member who wishes to borrow the loan is not loaned, the bidding inspection is performed only for the participation in the secured auction and the auction is accessed from the reverse auction system. ; If the auction is successful, the financial institution's account management system performs loan inspection during the repayment after being stored in the transaction DB, but if the auction is not successful, the financial institution's account management during the repayment of the successful loan of the member who wishes to provide collateral Checking the loan in the system; During the repayment, when the debtor loses timely profits during the loan inspection and the credit is incurred, the bank retains the loss within the mortgage amount in the mortgage and stores it in the member DB, transaction DB, and account DB. Receiving a fee for providing security from the bank account management system when the principle payment is normally made, and storing the details in the member DB, the transaction DB, and the account DB; Small security loan method characterized in that it further comprises.

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