KR100914659B1 - System and Method for Evaluating Project Finance and Program Recording Medium - Google Patents

Abstract

The present invention relates to a method and system for evaluating project finance and a recording medium therefor, wherein a predetermined company code registration means is applied to a predetermined project finance application for at least one project including a predetermined social overhead capital project at a given company. Generates a predetermined project finance borrower code for separately managing project finance for the company and registers it in association with the customer ledger of the company, and estimates the project information and estimated balance sheet information and estimates for the project period in the company. Providing the income statement information, the predetermined information storing means associates the project finance borrower code, the project information, the estimated balance sheet information and the estimated income statement information, and stores them on a predetermined storage medium. Estimated Cash Flow Information If so, the predetermined cash flow analysis means analyzes the cash flow of the general situation for the project finance based on the estimated cash flow information and the basic risk factor information for the project in association with the storage medium, and the basic When predetermined stress information according to a predetermined stress scenario is set in at least one risk factor among the risk factor information, the project based on the estimated cash flow information and the stress information in association with the storage medium in the cash flow analyzing means; It is characterized by analyzing the cash flow of the stressful situation on finance.

Description

System and Method for Evaluating Project Finance and Program Recording Medium}

The present invention, when applying for a predetermined project financing for at least one or more projects including a predetermined social overhead capital project in a predetermined company, a predetermined project for separately managing the project financing for the company in a predetermined borrower code registration means Generating and registering a financial borrower code in association with the customer ledger of the company. When the company provides the project information, the estimated balance sheet information and the estimated income statement information during the project period, the project is stored in a predetermined information storage means. Linking the financial borrower code, the project information, the estimated balance sheet information and the estimated income statement information to a predetermined storage medium, and transmitting the estimated cash flow information for the project period from the enterprise, the predetermined cash flow analysis means. Linked to the storage medium at Analyzing the cash flow of the general situation for the project finance based on the estimated cash flow information and the basic risk information of the project, and applying the predetermined risk scenario to at least one risk factor of the basic risk information. If the predetermined stress information is set, analyzing the cash flow of the stress situation for the project finance on the basis of the estimated cash flow information and the stress information in connection with the storage medium in the cash flow analysis means; It is to provide a project financial evaluation method and system and a recording medium, characterized in that made.

Special financial technique is a financial technique for operating or financing a particular operating asset of a company.The term is a generic term for financial technique in which funds are controlled by a financial institution and the financial resources to repay the debt depend on the profits generated from the asset. For example, referring to the recent Basel II agreement, the special financial technique includes at least one of project finance corresponding to social overhead capital projects, real estate finance corresponding to pre-sale / rental real estate, and object finance corresponding to purchase of ships / aircraft. It is preferable to comprise.

The special financing technique is based on the creditworthiness of the firm corresponding to the borrower, or the general financing of which credit is generated based on the value of the collateral provided by the firm, rather than the creditworthiness (or value of the collateral) of the firm. Credits are generated based on the analysis of cash flows of profits generated from projects (or assets) corresponding to special finance.

When listing the characteristics of the special financing as compared to general financing, the special financing includes: (1) Financial institutions (or creditors) providing 100% full resource repayment rights to investors or borrowers of the project (or asset); Instead, they rely on the project (or asset) and future cash flow analysis to determine the possibility of principal collection, and (2) special financing requires a technical and economic review of experts familiar with the project (or asset). After the funding by the special financing, the expert is required to follow up, (3) a large number of complex contracts and documents for the special financial transaction, and (4) a number of special financial institutions ( For example, employers, lenders, borrowers, contractors, raw material suppliers, project (or asset) buyers, financial advisors, law firms, technical advisors, feasibility reviews Pipes, etc.) and must be organically connected, and (5) have a maturity of long-term than conventional financing, interest rate and commission rate relatively high, the funding includes a feature that amortization over a period of time.

Such special financing is capable of large-scale self-sourcing from the employer's point of view, and is not subject to any restrictions on the capital structure of the company (eg, exceeding borrowing limit, limit on debt ratio, poor creditworthiness of investor, etc.), and various risk factors ( For example, operating risks, financial risks, etc.) can be appropriately distributed to the relevant parties and third parties, and the credit is only considered for the financial institution (or creditor) in consideration of the business and economic / technical aspects of the project (or assets). There is an advantage that can be advantageously set, profitability and stability through the control of the project (or assets).

However, the special financing is not only related to the interests of too many related parties from the initial stage of negotiations to the closing stage, but also related documents (eg, various contract documents) for the special financing. There are too many and complicated problems.

In addition, the special financing includes a problem of excessive dependence on technical and economic reviews of experts familiar with the project (or asset), and the various kinds of review materials of the experts are not required for the financial institution (or creditor). In many cases, re-examination occurs frequently, thereby including a problem in that too much time and cost are consumed from the initial stage of negotiation to the special finance.

Referring to the recent Basel II agreement, the special financial techniques can be classified into project finance corresponding to social overhead capital projects, real estate finance corresponding to pre-sale / rental real estate, and object finance corresponding to purchase of ships / aircraft. It includes a very difficult problem to provide such complex and subdivided special financing from special financing techniques that rely only on human resources.

The present invention is derived to solve the above problems, in the project financing, such as social overhead capital projects of special financing, a predetermined enterprise for at least one or more projects including a predetermined social overhead capital project When applying for project financing, a predetermined project financing borrower code for separately managing project financing for the company is generated by a predetermined borrower code registration means and registered in association with the customer ledger of the company, and the project information and When the estimated balance sheet information and the estimated income statement information for the project period are provided, the predetermined storage medium is linked with the project finance borrower code, the project information, the estimated balance sheet information, and the estimated income statement information in a predetermined information storage means. Stored in, and from the businesses When the estimated cash flow information is transmitted during the project period, a general cash situation of the project finance based on the estimated cash flow information and the basic risk factor information for the project in connection with the storage medium in a predetermined cash flow analysis means. Analyzing the cash flows of the at least one risk factor, and predetermined stress information is set in at least one risk factor among the basic risk factor information, and the estimated cash flow is linked to the storage medium by the cash flow analyzing means. The purpose is to analyze the cash flow of the stress situation for the project finance based on the information and the stress information.

The project finance evaluation system according to the present invention, when a predetermined project finance application for at least one or more projects including a predetermined social overhead capital project in a given company, a predetermined project for separately managing the project finance for the company Borrower code registration means for generating a financial borrower code to register in association with the customer ledger of the company, and if the company provides the project information and the estimated balance sheet information and estimated income statement information for the project period, the project finance Information storage means for linking the borrower code, the project information, the estimated balance sheet information, and the estimated income statement information to store in a predetermined storage medium, and when the company transmits estimated cash flow information during the project period, the storage medium. The estimated cash flows in conjunction with And cash flow analysis means for analyzing the cash flow of the general situation for the project finance based on the information and the basic risk factor information on the project, wherein the cash flow analysis means comprises the basic risk factor. When predetermined stress information according to a predetermined stress scenario is set in at least one or more risk factors among the information, the cash flow of the stress situation for the project finance based on the estimated cash flow information and the stress information in association with the storage medium. It characterized in that the analysis.

In the project financial evaluation system, the risk factor information may include economic environment risk factor information including at least one or more economic variables, or at least one political risk variable, at least one legal risk variable, and at least one force majeure risk variable. Political / legal risk information including, or at least one rights conservation variable, at least one guarantee effect variable, at least one cash flow control variable, and at least one covenants variable Hazard information, or at least one implementation risk variable, at least one completion risk variable, construction hazard risk information including at least one construction variable, or at least one operational risk variable, and at least one or more estimated earnings With variables, at least At least one alternative reappearance variable, operational / market risk risk information including at least one procurement risk variable, or at least one cash flow adequacy variable, and cash flow estimation risk information including at least one stress analysis adequacy variable, Or investor risk risk information comprising at least one or more capital stock variables, at least one investor credit variable, or structural risk risk information including at least one or more term structure variables and at least one hedge protection variable. Characterized in that it comprises at least one or more.

Project financing evaluation method according to the present invention, when a predetermined project financing application for at least one project including a predetermined social overhead capital project in a predetermined company, the project financing for the company in a predetermined borrower code registration means Generating a predetermined project finance borrower code for separate management and registering in association with the customer ledger of the company, and if the company provides the project information, estimated balance sheet information and estimated income statement information for the project period And storing the project finance borrower code, the project information, the estimated balance sheet information, and the estimated income statement information in a predetermined storage medium in a predetermined information storage means, and estimating cash flows during the project period in the enterprise. When information is sent, a small amount of cash Analyzing, by the analyzing means, the cash flow of the general situation for the project finance based on the estimated cash flow information and the basic risk factor information of the project in association with the storage medium, and at least one of the basic risk factor information. When predetermined stress information is set in the above-described risk factors according to a predetermined stress scenario, the cash flow analysis means determines the stress situation for the project finance based on the estimated cash flow information and the stress information in association with the storage medium. Characterized in that it comprises the step of analyzing the cash flow.

The project finance evaluation system according to the present invention is characterized in that it comprises a recording medium characterized by recording a program for executing the project finance evaluation method.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify, integrate, or separate the terminology so that those skilled in the art to which the present invention pertains may clearly understand the present invention. The present invention is by no means limited thereto. That is, each means described above is a server (or terminal) provided on the system shown in the following embodiments, or is a predetermined functional configuration provided in at least one or more servers (or terminals), or at least one or more servers. (Or a terminal) may be an association of at least two or more functional components. In addition, the server (or terminal) shown in the following embodiment is shown to include at least two or more functional components for achieving the technical features of the present invention for convenience, the functional component shown in the server (or terminal) Matched with the above-described means may be provided in two or more different servers (or terminals) according to the role and function of each functional component and the corresponding server (or terminal) operator (or operator), whereby the present invention is not limited No.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a project finance application system for building a project finance valuation model according to an embodiment of the present invention.

In more detail, FIG. 1 illustrates that the project finance employee provides project finance application information including at least one project application information and project scenario selection information to build the project finance evaluation model. Generate a predetermined project finance borrower code corresponding to the project finance applying company on the predetermined finance system 155 based on the project finance applying company information included in the provided project finance application information in the finance application system; At least one information registration target information corresponding to at least one project finance scenario matching the project finance scenario selection information in association with a predetermined project scenario D / B 145 storing at least one project scenario related information; A system configuration for storing lock target information and attached document information in a predetermined project finance registration information D / B 150 in association with the generated project finance borrower code, and the general knowledge in the technical field to which the present invention belongs. If you have, it will be able to infer various implementation methods for the construction of the project financing application system for building a project financing evaluation model by referring to and / or modifying the drawing 1, the present invention includes all the implementation methods inferred However, the present invention is not limited to the implementation method shown in FIG. 1 only.

Hereinafter, a predetermined project finance borrower code is generated based on the project finance application information provided from the project finance staff through a predetermined information registration interface on the project finance application system shown in FIG. And a component corresponding to at least one or more means and / or functional configurations for storing at least one or more information registration target information, registration target information, and attached document information in a predetermined project finance registration information D / B 150. It is called "project finance server 100".

Referring to FIG. 1 according to the implementation method of the present invention, the project finance application system for constructing the project finance evaluation model includes an employee terminal used by a project finance officer provided in a financial institution performing the project finance. Characterized in that, at least one or more project scenarios required for the project finance server 100 and the project finance evaluation model to be connected to the employee terminal through a predetermined financial network (or communication network) and information registration target information for each project scenario, And a project scenario D / B 145 for storing the registration target information and the attached document information in association with each other.

The project scenario D / B 145 provided on the project finance application system according to the present invention includes information registration target information corresponding to at least one project participant for at least one project scenario to build the project finance evaluation model, and the information registration. Characterized in that the object is stored in association with at least one or more registration target information to be registered with the financial institution for the project financing, and at least one attachment document information to be attached to the registration target information.

The project scenario is a project method included in the object of the project finance, a BOT (Build-Operate-Transfer) method, BTO (Build-Transfer-Operate) method, BOO (Build-Own-Operate) method, BTL (Build- It is preferable to include a transfer-lease (BLT) method, a build-lease-transfer (BLT) method, a rehabilitation-lease-transfer method, a rehabilitation-operate-transfer method, and the like.

In this case, the BOT (Build-Operate-Transfer) method is a private enterprise to finance the construction of a specific project with a large public interest under its own responsibility, manage and operate for a certain period of time to recover the investment costs and target profits, the government In the BTO (Build-Transfer-Operate) method, a private enterprise raises and owns a large project facility under its own responsibility and transfers the ownership to the government at the same time. In the form of having the right to manage and operate during the period, the government develops social overhead capital facilities by attracting private and foreign capital without increasing the financial burden, and the BOO (Build-Own-Operate) method. The private contractor completes a large project facility and at the same time has both ownership and management and operating rights. The BTL (Build-Transfer-Lease) method is a private company. At the same time as the completion of the self-project facility, ownership of the facility belongs to the state or local government, and the private enterprise retains the right to operate the facility for a certain period of time, and the facility is designated by the state or local government for the period set forth in the agreement. It includes leasing.

The information registration target information includes at least one project participant corresponding to each project scenario (eg, a project applying company, a lender, a borrower, a contractor, a raw material supplier, a project product buyer, a financial advisor, a law firm, a technical advisory body, and a business feasibility review). And the project participant, the project participant should provide at least one or more information to the financial institution according to their respective interests in order to implement the project financing.

The registration target information includes at least one or more information items that at least one project participant corresponding to the information registration target information should provide to the financial institution for the execution of the project finance, and detailed registration information for each information item. Characterized in that made.

According to the implementation method of the present invention, the registration target information that the project applying company must provide to the financial institution among the information registration targets for constructing the project finance evaluation model includes estimated balance sheet information, estimated income statement information, and estimated cash flow table. It is preferable to include information.

The attached document information includes a list of at least one attachment document to be attached to the registration target information by at least one project participant corresponding to the information registration target information. The attached document information may be omitted, and the present invention is not limited thereto.

According to an embodiment of the present invention, the project scenario D / B 145 is preferably provided in a DBMS on a financial system 155 provided on the project finance application system (or associated with the project finance application system). In this case, the project scenario D / B 145 is a ledger D / B 200 provided in the DBMS on the financial system 155, and / or a predetermined linkage with the ledger D / B 200. It may be a database, whereby the present invention is not limited.

The project finance server 100 provided on the project finance application system according to the present invention is a generic term for the components of the project finance application system side connected to the employee terminal through a predetermined finance network (or a communication network). It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to the implementation method of the present invention, the project finance server 100 is characterized in that it comprises an interface unit 105 for connecting and managing the communication terminal and a predetermined communication channel through the financial network.

The interface unit 105 connects the communication terminal with a predetermined communication channel based on the protocol stack defined in the financial network, and uses at least one communication protocol defined in a project finance related program provided in the employee terminal. It is desirable to provide a communication interface for transmitting and receiving the above information (or data).

Referring to FIG. 1, the project finance server 100 connects a communication channel with the project finance server 100 through the interface unit 105 and requests a predetermined project finance. The interface providing unit 110 generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined project finance application information from the employee terminal in connection with the interface unit 105 and providing the same to the employee terminal. And an information receiving unit 115 for receiving the predetermined project finance application information transmitted from the employee terminal through the user interface in connection with the interface unit 105, and the received project finance. Validation unit 120 for checking the validity of the application information, and the project finance new included in the project finance application information The code generator 125 generates a predetermined project finance borrower code based on the company information, and the customer ledger corresponding to the project finance application company information by applying the project finance borrower code in association with a predetermined finance system 155. Project financial borrower code registration unit for storing in association with the 130 is characterized in that it is made.

In addition, the project finance server 100 confirms a project scenario corresponding to the project scenario selection information included in the project finance application information in connection with the project scenario D / B 145 and at least corresponds to the project scenario. An information checking unit 135 for confirming one or more information registration target information, registration target information and attached document information corresponding to each information registration target, and each of the identified registration target information, registration target information, and attached document information. And an information storage unit 140 for storing the predetermined project finance registration information D / B 150 in association with the generated project finance borrower code.

The interface providing unit 110 connects a communication channel with the project finance server 100 through the interface unit 105 through the interface unit 105, and requests a predetermined project finance, the function provided in the employee terminal In response to the configuration, create (or select) the information registration interface including a predetermined user interface for inputting (or selecting) the project finance application information to the project finance server 100 through the financial network, and / or Extract from a database (not shown), and provide the information registration interface including the generated (or extracted) user interface in conjunction with the interface unit 105 to the employee terminal through the financial network. .

According to the implementation method of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) predetermined project finance application company information, and at least corresponding to the project scenario D / B 145. It is preferable to include a user interface for selecting at least one or more project scenarios of one or more project scenarios.

According to another embodiment of the present invention, a predetermined project having at least one user interface for inputting (or selecting) the project finance application information to the employee terminal and transmitting the project finance application information to the project finance server 100 through the finance network. When the financial program is provided, the interface providing unit 110 for providing the information registration interface to the employee terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the employee terminal inputs (or selects) project finance application information including at least one project finance application company information and project scenario selection information based on at least one user interface included in the information registration interface. The input (or selected) project finance application information is transmitted to the project finance server 100 through the finance network.

The information receiver 115 inputs (or selects) project finance application information including at least one of project finance application company information and project scenario selection information through the information registration interface at the employee terminal and transmits the information through the financial network. The project finance application information is received in connection with the interface unit 105, and the received project finance application information is provided to the validity confirming unit 120.

The validity confirming unit 120 checks whether the project finance application information received from the employee terminal satisfies the validity for building the project finance evaluation model.

According to the implementation method of the present invention, the validation of the project finance application information is at least one matching the project finance application information to the ledger D / B (200) on the financial system 155 associated with the project finance application system It is preferable to include checking whether the above ledger information is registered.

When the validity of the project finance application information is confirmed, the code generation unit 125 based on the project finance application company information included in the project finance application information, the predetermined project finance borrower code corresponding to the project applicant company It characterized in that to generate.

According to the implementation method of the present invention, the project financing includes a property that does not receive much restrictions on capital structure of the project applying company (eg, exceeding borrowing limit, limit on debt ratio, poor creditworthiness of investor, etc.), The project finance borrower code preferably performs a function of project finance management information for managing the project finance separately from constraints on the capital structure of the project applicant.

When a predetermined project finance borrower code is generated by the code generation unit 125, the project finance borrower code registration unit 130 connects the generated project finance borrower code to the project finance borrower code in conjunction with a predetermined finance system 155. Characterized in that it is stored in association with the customer ledger corresponding to the applicant company information, whereby the project financing is limited by the capital structure of the project applicant (eg, exceeding borrowing limit, limit on debt ratio, poor creditworthiness of the investor, etc.). Irrespective of) it is characterized by being managed separately.

When the project finance borrower code registration unit 130 registers the project finance borrower code on the financial system 155, the information verification unit 135 links the project scenario D / B 145 with the project. And at least one project scenario corresponding to the project scenario selection information included in the financial application information.

According to an exemplary embodiment of the present invention, the project scenario corresponding to the project scenario selection information may be matched with a predetermined project scenario provided in the project scenario D / B 145.

According to another exemplary embodiment of the present invention, the project scenario corresponding to the project scenario selection information is preferably matched with at least two project scenarios provided in the project scenario D / B 145, in which case the project scenario It is possible to include all of the matching two or more project scenario characteristics.

When at least one project scenario corresponding to the project scenario selection information included in the project finance application information is confirmed by the information verification unit 135, the information storage unit 140 checks the at least one project scenario. At least one piece of project finance registration information D / B 150 associated with the project finance borrower code generated by the code generator 125 at least one or more pieces of registration information and registration information and attached document information corresponding to It is characterized by storing in).

FIG. 2 is a diagram illustrating a project finance borrower code structure registered in the ledger D / B 200 provided in the DBMS on the finance system 155 to construct a project finance evaluation model according to an embodiment of the present invention.

More specifically, FIG. 2 shows the project finance borrower code in the customer ledger corresponding to the project finance applicant company included in the ledger D / B 200 provided in the DBMS on the financial system 155 shown in FIG. As shown in the registration, a person having ordinary knowledge in the technical field to which the present invention belongs, various implementations of registering the project finance borrower code in the ledger D / B 200 by referring to and / or modifying the drawing 2 The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system 155 is the financial institution customers (eg, corporate customers, individual customers, etc.) ), A customer ledger corresponding to the customer ledger, an account ledger associated with the customer ledger (eg, a ledger, a loan ledger, etc.) and at least one additional information associated with the account ledger. Characterized in that it is registered in association with the customer ledger corresponding to the project financing company.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to FIG. 2, the project finance borrower code generated through the project finance application system shown in FIG. 1 is stored in association with the customer ledger, whereby the project finance is the capital of the project applicant. It is characterized in that it is separately managed regardless of structural constraints (eg, exceeding borrowing limit, limit on debt ratio, poor creditworthiness of investor, etc.).

3 is a diagram illustrating a process of registering project finance information for constructing a project finance valuation model according to an embodiment of the present invention.

In more detail, FIG. 3 illustrates project finance application information including at least one predetermined project finance application company information and project scenario selection information in an employee terminal on the project finance application system shown in FIG. ), A predetermined corresponding to the project financing company on a predetermined financial system 155 based on the project financing company information included in the project financing application information provided by the project financing server 100. At least one information registration target information and registration target information corresponding to at least one project finance scenario generated by generating a project finance borrower code and matching the project finance scenario selection information in association with a predetermined project scenario D / B 145. And attached document information to the generated program. Regarding the process of storing the predetermined project finance registration information D / B 150 in association with the project finance borrower code, the person having ordinary knowledge in the technical field to which the present invention pertains refers to and / or FIG. 3. It will be possible to infer various implementation methods for the process of registering the project finance information for the project finance evaluation model construction from the employee terminal to the project finance server 100, but the present invention is all inferred implementation method It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 3, the employee terminal shown in FIG. 1 is referred to as a “terminal” for convenience, and the project finance server 100 shown in FIG. 1 is referred to as a “server” for convenience.

Referring to FIG. 3, an employee terminal shown in FIG. 1 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the project finance application information, and establishes the project finance evaluation model. When requesting registration of the project finance application information for the request (300), the server generates (or extracts) a predetermined information registration interface for registering the project finance application information (305), and generates the ( Alternatively, the extracted information registration interface is transmitted to the terminal and output (310).

According to the implementation method of the present invention, the information registration interface preferably comprises a user interface for inputting (or selecting) predetermined project finance application company information, and at least corresponding to the project scenario D / B 145. It is preferable to include a user interface for selecting at least one or more project scenarios of one or more project scenarios.

Thereafter, the terminal inputs (or selects) project finance application information including at least one or more project finance application company information and project scenario selection information through the information registration interface (315).

If the terminal receives (or selects) project finance application information including the project finance application company information and project scenario selection information through the information registration interface (320), the terminal inputs the input through the financial network ( Alternatively, the project finance application information including the selected project finance application company information and the project scenario selection information is transmitted to the server (325).

Thereafter, the server receives and reads the project finance application company information and the project scenario selection information through the financial network to confirm the validity of the project finance application information (330).

According to the implementation method of the present invention, the validation of the project finance application information is at least one matching the project finance application information to the ledger D / B (200) on the financial system 155 associated with the project finance application system It is preferable to include checking whether the above ledger information is registered.

If the validity of the project finance application information is not authenticated (335), the server generates predetermined information registration error information and transmits it to the terminal (340), and performs an information registration procedure corresponding to the project finance application information. Do not perform.

On the other hand, if the validity of the project finance application information is authenticated (335), the server generates a predetermined project finance borrower code corresponding to the project finance application information contained in the project finance application information (345), In connection with the financial system 155, the project finance borrower code is registered in connection with the customer ledger of the project finance applying company (350).

According to the implementation method of the present invention, the project financing includes a property that does not receive much restrictions on capital structure of the project applying company (eg, exceeding borrowing limit, limit on debt ratio, poor creditworthiness of investor, etc.), The project finance borrower code preferably performs a function of project finance management information for managing the project finance separately from constraints on the capital structure of the project applicant.

Thereafter, the server checks at least one project scenario corresponding to the project finance selection information included in the project finance application information in connection with a predetermined project scenario D / B 145 (355).

According to an exemplary embodiment of the present invention, the project scenario corresponding to the project scenario selection information may be matched with a predetermined project scenario provided in the project scenario D / B 145.

According to another exemplary embodiment of the present invention, the project scenario corresponding to the project scenario selection information is preferably matched with at least two project scenarios provided in the project scenario D / B 145, in which case the project scenario It is possible to include all of the matching two or more project scenario characteristics.

Thereafter, the server identifies at least one information registration target information, registration target information, and attached document information corresponding to the identified project scenario (360), and the at least one information registration target information and registration target information and The attached document information is stored in the predetermined project finance registration information D / B 150 in association with the generated project finance borrower code (365).

4 is a diagram illustrating an information registrant setting system for constructing a project finance valuation model according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates that a predetermined project finance staff includes at least one predetermined information registration target information, information registrant information corresponding to the information registration target, and information registrant authentication information to build the project finance evaluation model. If the information registrant setting information is provided, the information registrant setting system replaces the information registration target information included in the project finance registration information D / B 435 on the project finance application system shown in FIG. 1 with the information registrant information. And a system configuration in which the information registrant information and the information registrant authentication information are linked and stored in a predetermined information registrant D / B 440, and a person having ordinary knowledge in the technical field to which the present invention belongs, FIG. When setting up the information registrant to build the project finance valuation model by referring to and / or modifying 4). Various implementation methods for the stem configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, the project finance registration information on the project finance application system shown in FIG. 1 based on the information registrant setting information provided from the project finance staff through a predetermined information registration interface on the information registrant setting system shown in FIG. At least one of replacing the information registration target information provided in the D / B 435 with the information registrant information, and stores the information registrant information and information registrant authentication information in a predetermined information registrant D / B (440) Components corresponding to the above means and / or functional configuration are referred to as "project finance server 400" for convenience.

Referring to FIG. 4 according to the implementation method of the present invention, the information registrant setting system for constructing the project finance valuation model includes an employee terminal used by a project finance officer provided in a financial institution performing the project finance. Characterized in that it comprises a project finance server 400 connected to the employee terminal through a predetermined financial network (or communication network).

The project finance server 400 provided on the information registrant setting system according to the present invention is a generic term for the information registrant setting system side components connected to the employee terminal through a predetermined financial network (or a communication network). It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, the project finance server 400 is characterized in that it comprises an interface unit 405 for connecting and managing the employee terminal and a predetermined communication channel through the financial network.

The interface unit 405 connects a predetermined communication channel with the employee terminal based on the protocol stack defined in the financial network, and uses at least one communication protocol defined in a project finance related program provided in the employee terminal. It is desirable to provide a communication interface for transmitting and receiving the above information (or data).

Referring to FIG. 4, when the project finance server 400 connects a communication channel with the project finance server 400 through the interface unit 405 and requests a predetermined information registrant setting, An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) predetermined information registrant setting information from the employee terminal and interworking with the interface unit 405 to provide the employee terminal to the employee terminal ( 410, an information receiving unit 415 for receiving predetermined information registrant setting information which is input (or selected) and transmitted from the employee terminal through the user interface in association with the interface unit 405, and the received information. A validity checking unit 420 for checking the validity of the registrant setting information and the information registration target information included in the information registrant setting information; An information processing unit 425 for replacing the information registration target information stored in the project finance registration information D / B 435 on the project finance application system shown in FIG. 1 with the information registrant information; And an information storage unit 430 for storing the information registrant information included in the information registrant authentication information in the predetermined information registrant D / B 440.

The interface providing unit 410 connects a communication channel with the project finance server 400 through the interface unit 405 and requests a predetermined information registrant through the interface unit 405. Generate an information registration interface including a predetermined user interface capable of inputting (or selecting) the information registrant setting information corresponding to the function configuration and transmitting the information to the project finance server 400 through the financial network; and / or And extracting from a predetermined database (not shown) and providing an information registration interface including the generated (or extracted) user interface in association with the interface unit 405 to the employee terminal through the financial network. do.

According to an embodiment of the present invention, the information registration interface selects (or inputs) information registration target information corresponding to the project participant for each project scenario corresponding to the project finance, and the project corresponding to the information registration target information. And a user interface for inputting (or selecting) information registrant information including actual participant information of the participant, wherein the information registrant is configured to register at least one or more registration target information through a predetermined non-facing channel. It is preferably made to include a user interface for entering the information registrant authentication information.

According to another embodiment of the present invention, a predetermined project having at least one user interface for inputting (or selecting) the information registrant setting information to the employee terminal and transmitting the information to the project finance server 400 through the financial network. When a financial program is provided, the interface providing unit 410 for providing the information registration interface to the employee terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the employee terminal includes at least one information registrant information, information registrant information corresponding to the information registration object, and at least one information registrant authentication information based on at least one user interface included in the information registration interface. Input (or select) the setting information, and transmits the input (or selected) information registrant setting information to the project finance server 400 through the financial network.

Preferably, the information registration target information includes information registration target information stored in association with the project finance borrower code in the project finance registration information D / B 435 on the project finance application system shown in FIG. One-to-one correspondence with information from at least one project participant (eg, project applicant, lender, borrower, contractor, raw material supplier, project product buyer, financial advisor, law firm, technical advisory body, business review agency, etc.) corresponding to the project scenario. It is preferable.

Preferably, the information registrant information includes at least one of actual name information and information registration account information of a project participating organization corresponding to the information registration target information, and the information provided by each information registrant to the financial institution is It is preferable to include information registrant information basically, whereby the validity of each information provided by the information registrant to the financial institution is confirmed.

The information registrant authentication information includes at least one password (or authorized certificate information) for authenticating the information registrant when the information registrant provides at least one or more information to the financial institution through a predetermined non-facing channel. It is preferable to achieve the above, thereby securing confidentiality, authentication, integrity, and nonrepudiation of the information registrant and the information to be registered.

The information receiving unit 415 inputs information registrant setting information including at least one of information registration object information, information registrant information corresponding to the information registration object, and information registrant authentication information through the information registration interface at the employee terminal ( Or select) to transmit through the financial network, the information registrant setting information is received in association with the interface unit 405, and the received information registrant setting information is sent to the validity checking unit 420. to provide.

The validity verification unit 420 is characterized in that whether the information registrant set information received from the employee terminal satisfies the validity for building the project financial evaluation model.

According to an embodiment of the present invention, the validity of the information registrant setting information, the information registration target information included in the information registrant setting information is the project finance registration information D / B on the project finance application system shown in Figure 1 It is preferable to check whether or not it is registered at 435.

When the validity of the information registrant setting information is confirmed, the information processing unit 425 is matched with the information registration target information included in the information registrant setting information and project financial registration information D on the project finance application system shown in FIG. The information registration target information registered in / B (435) is replaced with the information registrant information included in the information registrant setting information.

The information storage unit 430 may be configured to authenticate and manage the information registrant providing at least one or more registration target information and attached documents through a predetermined non-face-to-face channel. Linking the information registrant authentication information is stored in the predetermined information registrant D / B (440).

5 is a diagram illustrating a process of setting up an information registrant for constructing a project finance valuation model according to an embodiment of the present invention.

In more detail, FIG. 5 illustrates that a predetermined project finance staff includes at least one predetermined information registration target information, information registrant information corresponding to the information registration target, and information registrant authentication information to build the project finance evaluation model. If the information registrant setting information is provided, the information registrant setting system replaces the information registration target information included in the project finance registration information D / B 435 on the project finance application system shown in FIG. 1 with the information registrant information. And a process of storing the information registrant information and the information registrant authentication information in a predetermined information registrant D / B 440, and having ordinary knowledge in the technical field to which the present invention pertains. Project financing from the employee terminal to the project finance server 400 by referring to and / or modified Various implementation methods for the process of setting up the information registrant for building the evaluation model may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 5, the employee terminal shown in FIG. 4 is referred to as a “terminal” for convenience, and the project finance server 400 shown in FIG. 4 is referred to as a “server” for convenience.

Referring to FIG. 5, an employee terminal shown in FIG. 4 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the information registrant setting information, and establishes the project finance evaluation model. When requesting registration of the information registrant setting information (500), the server generates (or extracts) a predetermined information registration interface for registering the information registrant setting information (505), and generates the information through the communication channel ( Alternatively, the extracted information registration interface is transmitted to the terminal for output (510).

According to an embodiment of the present invention, the information registration interface selects (or inputs) information registration target information corresponding to the project participant for each project scenario corresponding to the project finance, and the project corresponding to the information registration target information. And a user interface for inputting (or selecting) information registrant information including actual participant information of the participant, wherein the information registrant is configured to register at least one or more registration target information through a predetermined non-facing channel. It is preferably made to include a user interface for entering the information registrant authentication information.

Thereafter, the terminal inputs (or selects) information registrant setting information including at least one or more information registration target information, information registrant information corresponding to the information registration object, and information registrant authentication information through the information registration interface (515). .

If the information inputter setting information including the information registration target information, the information registrant information corresponding to the information registration target and the information registrant authentication information is input (or selected) through the information registration interface (520), The terminal transmits the information registrant setting information including the input (or selection) information registration target information, the information registrant information corresponding to the information registration target and the information registrant authentication information to the server through the financial network (525). .

Thereafter, the server receives and reads the information registration target information, the information registrant information and the information registrant authentication information corresponding to the information registration target through the financial network, and confirms the validity of the information registrant setting information (530). .

According to an embodiment of the present invention, the validity of the information registrant setting information, the information registration target information included in the information registrant setting information is the project finance registration information D / B on the project finance application system shown in Figure 1 It is preferable to check whether or not it is registered at 435.

If the validity of the information registrant setting information is not authenticated (535), the server generates predetermined information registration error information and transmits it to the terminal (540), and performs an information registration procedure corresponding to the information registrant setting information. Do not perform.

On the other hand, if the validity of the information registrant setting information is authenticated (535), the server through the information registration target information and information registrant information included in the information registrant setting information project finance on the project financing application system shown in Figure 1 The information registration target information stored in the registration information D / B 435 is replaced with the information registrant information (545), and the information registration target information included in the information registrant setting information and the information registrant authentication information are linked to predetermined information. Stored in the registrant D / B (440) (550).

6 is a diagram illustrating a project financial information registration system for analyzing cash flows according to a project finance valuation model according to one embodiment of the present invention.

In more detail, Figure 6 shows a financial statement-related document including at least one estimated balance sheet and an estimated income statement for the project financing company for a cash flow analysis of a project financing company. After filling out and submitting, a predetermined employee terminal acquires predetermined image contents corresponding to the financial statement related document through a predetermined image acquisition device, and associates the financial statement with a project financial information registration system through a predetermined information registration interface. Providing the estimated financial statement information including at least one of the project finance company information, the project information, the estimated balance sheet information and the estimated income statement information corresponding to the document, and the image content obtained from the documents related to the financial statement, Contains image content Generates a predetermined project finance-related electronic document and stores it in a predetermined electronic document repository, and processes the project finance company information, project information, estimated balance sheet information and estimated income statement information included in the estimated financial statement information by linking them. A system configuration for storing the predetermined project financial information D / B 655. Specifically, the electronic document repository is provided on an external system connected to the project financial information registration system through a predetermined communication means. It's about how.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 6 to infer various implementation methods for the construction of a project financial information registration system for cash flow analysis according to the project financial valuation model. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

For example, those skilled in the art to which the present invention pertains may refer to, and / or modify, the information registrant corresponding to at least one project participant associated with the project finance in addition to the project finance applicant. Although it will be possible to infer an implementation method for registering registration target information of the present invention, the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in FIG.

Hereinafter, the project financial information registration system shown in FIG. 6 is provided with estimated financial statement information and image contents corresponding to the financial statement-related documents prepared by the project financing company through a predetermined information registration interface to receive the predetermined project finance-related information. At least one means for generating an electronic document and storing the estimated financial statement information in the predetermined project financial information D / B 655 and / or a component corresponding to the functional configuration for convenience. It is called "project finance server 600".

Referring to FIG. 6 according to an embodiment of the present invention, a project finance information registration system for analyzing cash flows according to the project finance valuation model is used by an employee of a project finance officer provided in a financial institution that executes the project finance. And a project finance registration information registered through a project finance application system shown in FIG. 1 and a project finance server 600 connected to the employee terminal through a predetermined finance network (or a communication network). And an information registrant D / B 665 registered through the D / B 660 and the information registrar setting system shown in FIG.

The project finance information D / B 655 provided on the project finance information registration system according to the present invention includes the project finance company information, the project information, and the estimated balance sheet included in the estimated financial statement information provided from the employee terminal. The information and the estimated income statement information are processed in connection with the project finance borrower code registered through the project finance application system shown in FIG. 1 and stored in the predetermined project finance information D / B 655.

Preferably, the project finance borrower code includes a project finance borrower code registered in association with the customer ledger of the project finance applicant company through the project finance application system shown in FIG.

According to an embodiment of the present invention, it is preferable that each registered subject information registered by at least one or more information registrants participating in the project finance in addition to the project finance applicant company is also stored in association with the project finance borrower code.

The project financial company information is information registrant information for registering the estimated financial statement information, and when the estimated financial statement information is registered by another information registrant other than the project financial company (for example, an accounting business processing institution of the project financial company). The project finance company information may be changed into the information registrant information, thereby not limiting the present invention.

The project information may include an analysis base date, a future construction period (eg, construction period after the analysis base date), a future operation period (eg, an operation period after the analysis mood date), a credit start start date (eg, a start date of credit grant for the project). ), The end date of the credit (e.g., the end date of the credit for the project), the total amount of the credit (e.g., the total amount of credit for that project), the amount of credit repaid (e.g., the date of analysis of the total amount of the credit, It is preferable to include at least one credit amount repaid until), the weighted average cost of capital, corporate tax rate, liquidity agreement, and the like.

Here, the analysis reference date is set to input the actual value because the cash flow of the analysis reference date is the actual cash flow, and to set the cash flow after the analysis reference date to be estimated separately, in particular to apply a stress situation The formula is preferably applied to the cash flows after the analysis date, and it is preferable to separate the construction period and the operating period separately when the cash flow estimation takes into account the factors influencing the construction period and the operation period separately. .

The estimated balance sheet information is estimated balance sheet information estimated during a construction period (or an operation period) corresponding to the project based on a predetermined financial analysis model, and corresponds to a construction period (or an operation period) corresponding to the project. It is desirable to include forecast balance sheet information for each fiscal year.

The estimated income statement information is estimated income statement information estimated during the construction period (or operating period) corresponding to the project based on a predetermined financial analysis model, and corresponds to the construction period (or operating period) corresponding to the project. It is desirable to include forecast income statement information for each fiscal year.

According to an exemplary embodiment of the present invention, the project finance information D / B 655 is provided in a DBMS on a finance system provided on the project finance information registration system (or associated with the project finance information registration system). Preferably, the project financial information D / B 655 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby The present invention is not limited.

The project finance server 600 provided on the project finance information registration system according to the present invention is a generic term for the components of the project finance information registration system connected to the employee terminal through a predetermined financial network, and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to the implementation method of the present invention, the project finance server 600 is characterized in that it comprises an interface unit 605 for connecting and managing a predetermined communication channel with the employee terminal through the financial network.

The interface unit 605 connects a predetermined communication channel with the employee terminal based on the protocol stack defined in the financial network, and uses at least one communication protocol defined in a project finance related program provided in the employee terminal. It is desirable to provide a communication interface for transmitting and receiving the above information (or data).

Referring to FIG. 6, the project finance server 600 connects a predetermined communication channel with a project communication server 600 through the interface unit 605 and registers predetermined project finance information through the interface unit 605. Upon request, obtain image contents corresponding to the financial statement-related documents prepared by the project financing company through a predetermined image acquisition device provided in the employee terminal, and input estimated financial statement information corresponding to the financial statement-related documents. Generating (or extracting) at least one user interface for transmitting (or selecting) to the project finance server 600 and including the generated (or extracting) user interface in association with the interface unit 605. Interface providing unit 610 for providing an information registration interface to the employee terminal, the staff terminal When the estimated financial statement information corresponding to the financial statement-related document is input (or selected) through a registration registration interface, the estimated financial statement information transmitted from the employee terminal in connection with the interface unit 605 is received. The information receiving unit 615 compares the project financial company information included in the estimated financial statement information with the information registrant information provided in the information registrant D / B 665 to authenticate the project financial company that registered the estimated financial statement information. And the estimated balance sheet information included in the estimated financial statement information by querying the project financial registration information D / B 660 based on the information registrant information. An information checking unit 625 for checking whether the estimated income statement information is included in the registered target information of the project finance company, and the employee When the terminal acquires and transmits image content corresponding to the financial statement-related document prepared by the project financing company through a predetermined image acquisition device based on the information registration interface, the financial statement is linked with the interface unit 605. And an image receiving unit 630 for receiving image content corresponding to a related document.

The interface provider 610 connects a predetermined communication channel with the project finance server 600 through the interface unit 605, and then requests a predetermined project finance information registration, the employee terminal Acquire image contents corresponding to the financial statements related documents prepared by the project financing company through a predetermined image acquisition device provided in the terminal, and input (or select) estimated financial statement information corresponding to the financial statements related documents. Generate at least one or more user interfaces to be transmitted to the project finance server 600 via a financial network, and / or extract from a predetermined database (not shown), and generate (or interface with) the interface unit 605. Information registration interface including the extracted user interface to the employee terminal through the financial network. It is characterized by providing.

According to another exemplary embodiment of the present invention, an image content corresponding to a financial statement related document prepared by the project finance applicant company is obtained through a predetermined image acquisition device in the employee terminal, and an estimated financial statement corresponding to the financial statement related document. When a predetermined project finance related program having at least one user interface for inputting (or selecting) information and transmitting the information to the project finance server 600 through the financial network is provided, obtaining a predetermined image as described above. Obtain image contents corresponding to the financial statement-related documents prepared by the project finance application company through the device, and input (or select) estimated financial statement information corresponding to the financial statement-related documents to the project finance server 600. Create (or extract) a user interface that The interface providing unit 610 provided to the staff terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the employee terminal inputs (or selects) estimated financial statement information including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information through the information registration interface. (Or selected) estimated financial statement information including at least one or more selected project finance company information, estimated balance sheet information, and estimated income statement information is transmitted to the project finance server 600 through the financial network.

The project financial company information is information registrant information for registering the estimated financial statement information, and when the estimated financial statement information is registered by another information registrant other than the project financial company (for example, an accounting business processing institution of the project financial company). The project finance company information may be changed into the information registrant information, thereby not limiting the present invention.

The project information may include an analysis base date, a future construction period (eg, construction period after the analysis base date), a future operation period (eg, an operation period after the analysis mood date), a credit start start date (eg, a start date of credit grant for the project). ), The end date of the credit (e.g., the end date of the credit for the project), the total amount of the credit (e.g., the total amount of credit for that project), the amount of credit repaid (e.g., the date of analysis of the total amount of the credit, It is preferable to include at least one credit amount repaid until), the weighted average cost of capital, corporate tax rate, liquidity agreement, and the like.

Here, the analysis reference date is set to input the actual value because the cash flow of the analysis reference date is the actual cash flow, and to set the cash flow after the analysis reference date to be estimated separately, in particular to apply a stress situation The formula is preferably applied to the cash flows after the analysis date, and it is preferable to separate the construction period and the operating period separately when the cash flow estimation takes into account the factors influencing the construction period and the operation period separately. .

The estimated balance sheet information is estimated balance sheet information estimated during a construction period (or an operation period) corresponding to the project based on a predetermined financial analysis model, and corresponds to a construction period (or an operation period) corresponding to the project. It is desirable to include forecast balance sheet information for each fiscal year.

According to the method of the present invention, the estimated balance sheet information may be automatically calculated by inputting a lower account (e.g., when the cash and cash equivalents and other current assets are input, the asset of the party is automatically calculated). If the employee terminal is to modify the automatically calculated cell, the modified value is changed to a constant, it is preferable to exclude from the cash flow analysis (or stress analysis) for the project finance.

The estimated income statement information is estimated income statement information estimated during the construction period (or operating period) corresponding to the project based on a predetermined financial analysis model, and corresponds to the construction period (or operating period) corresponding to the project. It is desirable to include forecast income statement information for each fiscal year.

According to an embodiment of the present invention, it is preferable that the estimated income statement information is automatically calculated by entering a lower account. If the employee terminal modifies the automatically calculated cell, the modified value is It is preferably changed to a constant and excluded from the cash flow analysis (or stress analysis) for the project finance.

The information receiving unit 615 may receive the estimated financial statement information transmitted from the employee terminal in connection with the interface unit 605.

When the estimated financial statement information is received, the information registrant certification unit 620 confirms the project financial company information included in the estimated financial statement information, and the information registrant registered through the information registrar setting system shown in FIG. In connection with the D / B 665, the project finance company checks whether it is valid information registrant information for registering the estimated financial statement information.

If the result of the check is that the project finance company is a valid information registrant capable of registering the estimated financial statement information, the information checking unit 625 may determine the project finance registration information D / B 660 based on the information registrant information. It is characterized by checking whether the estimated balance sheet information and the estimated income statement information included in the estimated financial statement information are included in the registration target information to be registered by the project finance company.

In addition, the employee terminal obtains the image content corresponding to the financial statement-related documents prepared by the project financing company through a predetermined image acquisition device based on the user interface, and the obtained image content through the financial network The image receiving unit 630 receives the image content corresponding to the financial statement related document in association with the interface unit 605.

According to another exemplary embodiment of the present invention, the employee terminal acquires image contents corresponding to the financial statement-related documents prepared by the project financing company through a predetermined image acquisition device, and is provided to the employee terminal (or associated with). In the case of pre-stored in a predetermined storage device, the employee terminal selects the image content corresponding to the financial statement-related documents prepared by the project finance applicant company from among at least one or more image contents stored in the storage device through the user interface. And transmits to the project finance server 600 through the financial network. In response thereto, the image receiving unit 630 receives image contents corresponding to the financial statement related document in association with the interface unit 605. desirable.

According to another exemplary embodiment of the present invention, the estimated financial statement information corresponding to the financial statement-related documents and the image content corresponding to the financial statement-related documents created by the project financing company through the user interface in the employee terminal together When transmitting, the information receiving unit 615 may receive the image content corresponding to the financial statement related document and the estimated financial statement information together with the interface unit 605 (for example, the image receiving unit 630). Is integrated into the information receiving unit 615), whereby the present invention is not limited.

Referring to FIG. 6, when the estimated financial statement information transmitted from the employee terminal is received through the information receiving unit 615, the project finance server 600 receives the estimated financial statement information as the project finance evaluation model. Characterized in that it comprises a validity check unit 635 to determine whether the validity for the cash flow analysis according to.

According to the implementation method of the present invention, the validity verification of the estimated financial statement information, the project finance borrower code included in the estimated financial statement information is generated through the project finance application system shown in Figure 1, the project finance application It is preferable to include checking whether the project is matched with the registered project finance borrower code by linking with the customer ledger of the company.

Referring to FIG. 6, the project finance server 600 receives the image content transmitted from the employee terminal through the image receiving unit 630 and receives the estimated financial statement information through the validity checking unit 635. If the validity is verified, the electronic document generation unit 640 for generating a predetermined project finance-related electronic document including the received image content and the generated project finance-related electronic document and the project finance information registration system And an electronic document transmission unit 645 for transmitting to the electronic document storage.

The electronic document generator 640 may generate a project finance related electronic document including the image content received from the employee terminal through the image receiver 630.

According to the exemplary embodiment of the present invention, the electronic document generating unit 640 stores an image file including the image content received from the employee terminal through the image receiving unit 630 as it is, according to the project finance evaluation model. It is desirable to process the project finance related electronic documents for flow analysis.

Alternatively, the electronic document generator 640 may include the project finance company included in the estimated financial statement information received through the information receiver 615 in the image content received from the employee terminal through the image receiver 630. A project for analyzing cash flows according to the project finance valuation model, comprising an image file corresponding to an image content including at least one of information, project information, estimated balance sheet information, and estimated income statement information by watermarking. It is desirable to create financial documents.

According to another exemplary embodiment of the present invention, the electronic document generating unit 640 may include a predetermined document file (eg, PDF (Portable Document) including the image content received from the employee terminal through the image receiving unit 630. Format file, electronic data interchange (EDI) file, word processor file including at least one or more HWP / DOC, or web document file including MHT). It is desirable to create an electronic document related to project finance for flow analysis.

Alternatively, the electronic document generator 640 may include the project finance company included in the estimated financial statement information received through the information receiver 615 in the image content received from the employee terminal through the image receiver 630. Generating image content including at least one of information, project information, estimated balance sheet information, and estimated income statement information in a watermarking manner, and a predetermined document file (eg, including the generated image content) Project financial evaluation by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is desirable to generate electronic documents related to project finance for cash flow analysis according to the model.

According to another embodiment of the present invention, the electronic document generation unit 640 is estimated financial information received through the image receiving unit 615 and the image content received from the employee terminal via the image receiving unit 630. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including the table information, or the web including the MHT. By generating a document file, etc., it is preferable to generate an electronic document for project finance for cash flow analysis according to the project finance valuation model.

Alternatively, the electronic document generator 640 may include the project finance company included in the estimated financial statement information received through the information receiver 615 in the image content received from the employee terminal through the image receiver 630. Generating image content including at least one of information, project information, estimated balance sheet information, and estimated income statement information by watermarking, and including the generated image content and the estimated financial statement information. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By generating electronic documents for project finance for cash flow analysis according to the project finance valuation model It is preferable to.

Those skilled in the art to which the present invention belongs, the technical features that the electronic document generation unit 640 generates a project finance-related electronic document of the image file format and / or a predetermined document file format, and the project You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the financial-related electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmission unit 645 transmits and stores the project finance-related electronic document generated by the electronic document generation unit 640 to a predetermined electronic document repository associated with the project finance information registration system. do.

As shown in FIG. 6, the electronic document repository is connected with the project finance server 600 on the project finance information registration system through a predetermined communication means and a predetermined electronic document server 670 and an electronic document D / B ( 690, the electronic document transmission unit 645, the electronic document server 670 via the communication means for the electronic document generated by the electronic document generation unit 640 through the communication means It is characterized in that for transmitting.

Here, when the electronic document server 670 and the electronic document D / B 690 is provided outside the project financial information registration system, the electronic document server 670 and the electronic document D / B 690 It is advisable to maintain the authority in a recognized institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the project financial information registration system, the electronic document transmitting unit 645 is generated by the electronic document generating unit 640. The project finance-related electronic document may be stored in the electronic document D / B 690 corresponding to the electronic document storage on the DBMS provided in the project finance information registration system, and thus the present invention is not limited thereto.

According to the method of the present invention, the electronic document transmission unit 645 is electronic document related information (eg, financial statements corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 670. Project financial application company information, and / or financial institution information transmitting the project finance-related electronic document, and / or electronic document file format information, and / or the estimated financial statement information, etc.). It is possible to transmit to an electronic document storage, by which the present invention is not limited.

Referring to FIG. 6, the project finance server 600 includes the estimated financial statement information received through the information receiver 615 for cash flow analysis according to the project finance valuation model through the validity checker 635. When the validity is verified, predetermined project financial information D / B 655 is processed by linking and processing the project financial company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated valid financial statement information. And an information storage unit 650 stored in the storage unit.

When the validity of the estimated financial statement information is confirmed by the validity confirmation unit 635, the information storage unit 650 may include the project finance company information, the project information, and the estimated balance sheet information included in the estimated financial statement information. And storing the project finance information D / B 655 by linking the estimated profit and loss statement information with the project finance information D / B 655, or being provided in the project finance server 600, or When provided on a network associated with the project finance server 600, the information storage unit 650 is the project finance company information, project information, estimated balance sheet information and estimated profit and loss included in the received estimated financial statement information It is preferable to store the information in the project finance information D / B (655) by linkage processing the bill information, the project finance information D / B (655) When provided in the DBMS provided on the system, the information storage unit 650 is the financial information and project information, the estimated balance sheet information and the estimated income statement information included in the received estimated financial statements information It is preferable to provide the information system through the external system on the system and store it in the DBMS provided on the financial system.

Referring to FIG. 6, an electronic document which receives a predetermined project finance-related electronic document from the project finance server 600 provided on the project finance information registration system and stores and manages it in a predetermined electronic document D / B 690. The document server 670 may include an electronic document receiver 675 for receiving a predetermined project finance related electronic document from the project finance server 600 through a predetermined communication means, and the received document finance related electronic document. An information generation unit 680 for generating predetermined electronic document management information for storing and managing in the document D / B 690, and the electronic document management information and the project finance related electronic document are processed in association with the predetermined electronic document. And an electronic document storage unit 685 stored in the D / B 690.

The electronic document receiving unit 675 may receive a project finance related electronic document in the form of an image file and / or a document file from the project finance server 600 through the communication means.

According to the exemplary embodiment of the present invention, the project finance related electronic document received by the electronic document receiving unit 675 through the communication means includes an image including image content received by the project finance server 600 from the employee terminal. It is preferable to include the file as it is.

Alternatively, the project finance related electronic document received by the electronic document receiving unit 675 through the communication means may be included in the estimated financial statement information in the image content received by the project finance server 600 from the employee terminal. It is preferable to include an image file corresponding to an image content including at least one or more information of the project finance company information, project information, estimated balance sheet information and estimated income statement information in a watermarking manner.

According to another exemplary embodiment of the present invention, the project finance related electronic document received by the electronic document receiving unit 675 via the communication means includes the image content received by the project finance server 600 from the employee terminal. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

Alternatively, the project finance-related electronic document received by the electronic document receiving unit 675 through the communication means is included in the estimated financial statement information in the image content received by the project finance server 600 from the employee terminal. A predetermined document file (eg, a Portable Document Format (PDF) file) containing image content including at least one or more of financial company information, project information, estimated balance sheet information, and estimated income statement information in a watermarking manner. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another embodiment of the present invention, the project finance-related electronic document received by the electronic document receiving unit 675 through the communication means is the image content received by the project finance server 600 from the employee terminal and the A predetermined document file including estimated financial statement information (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. Web document files, etc.).

Alternatively, the project finance-related electronic document received by the electronic document receiving unit 675 through the communication means is included in the estimated financial statement information in the image content received by the project finance server 600 from the employee terminal. Image content including at least one or more of financial company information, project information, estimated balance sheet information and estimated income statement information, and a predetermined document file including the estimated financial statement information (eg, PDF). (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

The information generating unit 680 is a predetermined electronic document unique number (or unique information) to be assigned to the project finance-related electronic document received through the electronic document receiving unit 675, and through the electronic document receiving unit 675 And generating electronic document management information including electronic document storage date and time information including a date and time when the project finance-related electronic document is received (or a date and time when the project finance-related electronic document is stored).

According to the exemplary embodiment of the present invention, the information generation unit 680 refers to the project finance server 600 which transmits the project finance related electronic document received through the electronic document receiving unit 675. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the project finance server 600 through the electronic document receiving unit 675, the information generating unit 680 receives the received information. Electronic document-related information (e.g., project finance application company information for preparing financial statement-related documents corresponding to the image content, and / or financial institution information for transmitting the project finance-related electronic document, and / or electronic document file format information, And / or the estimated financial statement information, etc.).

The electronic document storage unit 685 associates a project finance-related electronic document received through the electronic document receiving unit 675 with electronic document management information generated through the information generating unit 680 to process a predetermined electronic document D. / B 690, characterized in that the storage.

According to the exemplary embodiment of the present invention, the project finance-related electronic document stored in the electronic document D / B 690 by the electronic document storage unit 685 is received by the project finance server 600 from the employee terminal. It is preferable that the image file including the image content is included as it is.

Alternatively, the project finance related electronic document stored in the electronic document D / B 690 by the electronic document storage unit 685 may include the estimated finance in the image content received by the project finance server 600 from the employee terminal. And an image file corresponding to an image content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the financial information by watermarking. desirable.

According to another exemplary embodiment of the present invention, the project finance-related electronic document stored in the electronic document D / B 690 by the electronic document storage unit 685 is received by the project finance server 600 from the employee terminal. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.) containing an image content, or an MHT Web document files).

Alternatively, the project finance related electronic document stored in the electronic document D / B 690 by the electronic document storage unit 685 may include the estimated financial statement in the image content received by the project finance server 600 from the employee terminal. Predetermined document files (e.g., PDFs) including image contents including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the information in a watermarking manner. (Portable Document Format) file, EDI (Electronic Data Interchange) file, or a word processor file including at least one or more of HWP / DOC, or a web document file including MHT.

According to another exemplary embodiment of the present invention, the project finance-related electronic document stored in the electronic document D / B 690 by the electronic document storage unit 685 is the project finance server 600 from the employee terminal. A word processor including at least one predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC) including the received image content and the estimated financial statement information. File, or a web document file including MHT).

Alternatively, the project finance related electronic document stored in the electronic document D / B 690 by the electronic document storage unit 685 may include the estimated financial statement in the image content received by the project finance server 600 from the employee terminal. A predetermined image including the project financial company information, the project information, the estimated balance sheet information and the estimated income statement information included in the information, including image contents including the estimated financial statement information and the estimated financial statement information; A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to make.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 690 by the electronic document storage unit 685 in association with the project finance-related electronic document is stored in the project finance-related electronic document. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 690 by the electronic document storage unit 685 in association with the project finance-related electronic document is related to the project finance. It is preferable that the financial institution further includes information on a financial institution that transmits the project finance-related electronic document, which is identified with reference to the project finance server 600 that transmits the electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the project finance server 600, the electronic document storage unit 685 processes the electronic document in association with the project finance-related electronic document. The electronic document management information stored in the electronic document D / B 690 may include the received electronic document related information (e.g., project finance application company information for preparing a financial statement related document corresponding to the image content, and / or the project). Financial institution information, and / or electronic document file format information, and / or the estimated financial statement information, etc.) for transmitting financial-related electronic documents.

7A and 7B illustrate a process of registering estimated financial statement information according to an exemplary embodiment of the present invention.

In more detail, FIGS. 7A and 7B show an employee terminal on a project financial information registration system shown in FIG. 6 as an employee terminal used by a project finance officer of a financial institution, and the project finance server 600 includes a predetermined financial network. In the case of communication with the employee terminal through the at least one project financing company, at least one of the project finance company information, project information, estimated balance sheet information and estimated income statement information for cash flow analysis according to the project finance evaluation model When a financial statement related document including the above is prepared and submitted, the predetermined employee terminal acquires predetermined image contents corresponding to the financial statement related document through a predetermined image acquisition device, and projects finance through a predetermined information registration interface. The information registration system can be used to When the estimated financial statement information and the image content obtained from the financial statement related documents are provided, a predetermined project finance related electronic document including the image content is generated and stored in a predetermined electronic document repository, and the estimated financial statement A method of executing the project financial company information, project information, estimated balance sheet information, and estimated income statement information, which are included in the information, by linking and storing them in a predetermined project financial information D / B 655. Specifically, the employee The terminal acquires predetermined image content corresponding to the financial statement related document through a predetermined image acquisition device, transmits the predetermined image content to the project finance server 600, and then inputs estimated financial statement information corresponding to the financial statement related document. (Or select) to transmit to the project finance server 600 It shows you how.

Those skilled in the art to which the present invention pertains, various implementations of registering the estimated financial statement information from the employee terminal to the project finance server 600 by referring to and / or modified in the drawings 7a and 7b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 7A and 7B.

For example, in the implementation method shown in FIGS. 7A and 7B, the employee terminal acquires predetermined image contents corresponding to the financial statement related document through a predetermined image acquisition device, and / or is attached to the financial statement related document. Although a user interface for inputting (or selecting) corresponding estimated financial statement information is illustrated and provided from the project finance server 600, the user interface is provided with a predetermined project finance related program in the employee terminal. Is not required to be provided from the project finance server 600, whereby the present invention is not limited.

7A and 7B, the employee terminal shown in FIG. 6 is referred to as "terminal" for convenience, and the project finance server 600 shown in FIG. 6 is referred to as "server" for convenience.

Referring to FIGS. 7A and 7B, at least one project financing applicant includes at least one project finance company information, project information, estimated balance sheet information, and estimated income statement information for analyzing cash flows according to the project finance evaluation model. After preparing and submitting the financial statement related documents, the employee terminal shown in FIG. 6 connects to the server through a predetermined financial network and connects a predetermined communication channel to the project finance corresponding to the financial statement related documents. When requesting the information registration interface for cash flow analysis according to the evaluation model (700), the server corresponding to the predetermined corresponding to the financial statements related documents prepared by the project financing company through a predetermined image acquisition device in the terminal; Information for acquiring the image content of the image and transmitting it to the server An interface is generated (or extracted) (705), and the generated (or extracted) information registration interface is transmitted to the terminal through the financial network (710).

Thereafter, the terminal acquires image content corresponding to the financial statement related document through a predetermined image acquisition device based on the information registration interface (715).

If image content corresponding to the financial statement related document is acquired through the image acquisition device (720), the terminal transmits the obtained image content to the server through the financial network (725).

Thereafter, the server inputs estimated financial statement information including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information corresponding to the financial statement related documents matching the image contents (or Selects and generates (or extracts) an information registration interface for transmission to the server (730), and transmits and outputs the generated (or extracted) information registration interface to the terminal through the financial network (735).

Thereafter, the terminal inputs (or selects) estimated financial statement information including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information through the information registration interface (740).

If the estimated financial statement information including at least one of the project finance company information, the project information, the estimated balance sheet information and the estimated income statement information is input (or selected) through the information registration interface (745), the terminal receives the The inputted (or selected) estimated financial statement information is transmitted to the server through a financial network (750).

Thereafter, the server receives and reads estimated financial statement information including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information through the financial network, for the estimated financial statement information. Validation is checked (755).

According to the implementation method of the present invention, the validity verification of the estimated financial statement information, the project finance borrower code included in the estimated financial statement information is generated through the project finance application system shown in Figure 1, the project finance application It is preferable to include checking whether the project is matched with the registered project finance borrower code by linking with the customer ledger of the company.

If the validity of the estimated financial statement information is not authenticated (760), the server generates predetermined information registration error information and transmits it to the terminal (765), and performs an information registration procedure corresponding to the estimated financial statement information. Do not perform.

On the other hand, if the validity of the estimated financial statement information is verified (760), the server generates a predetermined project finance-related electronic document containing the image content (770).

According to one embodiment of the invention, the server is project finance for cash flow analysis according to the project financing evaluation model as it is the image file including the image content received from the employee terminal via the image receiving unit 630 It is preferable to process the relevant electronic document.

Alternatively, the server may include the project finance company information, the project information, and the estimate included in the estimated financial statement information received through the information receiver 615 in the image content received from the employee terminal through the image receiver 630. Generate project finance-related electronic documents for cash flow analysis according to the project finance valuation model with an image file corresponding to the image contents including at least one of balance sheet information and estimated income statement information by watermarking. It is desirable to.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI file) including the image content received from the employee terminal through the image receiving unit 630. Project data for cash flow analysis according to the project finance valuation model by generating an electronic data interchange file, a word processor file including at least one of HWP / DOC, or a web document file including MHT. It is desirable to create an associated electronic document.

Alternatively, the server may include the project finance company information, the project information, and the estimate included in the estimated financial statement information received through the information receiver 615 in the image content received from the employee terminal through the image receiver 630. Generate image content including at least one or more of balance sheet information and estimated income statement information by a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF)) containing the generated image content. Cash flow analysis according to the project financial valuation model by generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to create a project finance related electronic document.

According to another exemplary embodiment of the present invention, the server may include the image content received from the employee terminal through the image receiver 630 and estimated financial statement information received through the information receiver 615. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate an electronic document for project finance for cash flow analysis according to the project finance valuation model.

Alternatively, the server may include the project finance company information, the project information, and the estimate included in the estimated financial statement information received through the information receiver 615 in the image content received from the employee terminal through the image receiver 630. Generate image content including at least one or more of the balance sheet information and the estimated income statement information by a watermarking method, and a predetermined document file including the generated image content and the estimated financial statement information (eg, Project financial evaluation by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is desirable to generate electronic documents related to project finance for cash flow analysis according to the model. It is right.

Those skilled in the art to which the present invention pertains can include technical features that the server generates project finance-related electronic documents in an image file format and / or a predetermined document file format, and correspond to the project finance-related electronic documents. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated project finance related electronic document in a predetermined electronic document storage (775).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 670 and an electronic document D / B 690 associated with a server on the project financial information registration system through predetermined communication means. When provided externally, the server preferably transmits the generated project finance-related electronic document to the electronic document server 670 through the communication means to store in the electronic document D / B (690).

Alternatively, when the electronic document storage is provided on a DBMS provided in the project finance information registration system, the server stores the generated project finance related electronic document in an electronic document storage on a DBMS provided in the project finance information registration system. It is possible to store in the electronic document D / B 690 corresponding to the present invention, thereby not limited.

According to the embodiment of the present invention, storing the project finance-related electronic document in the electronic document storage, the electronic project shown in FIG. It is preferable to include storing in document D / B 690.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the project finance-related electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the project finance-related electronic document.

The electronic document management information may include predetermined electronic document related information (eg, project finance application company information for preparing a financial statement related document corresponding to the image content, and / or financial institution information for transmitting the project finance related electronic document). And / or electronic document file format information, and / or the estimated financial statement information, etc.).

If the project finance-related electronic document is stored in the electronic document repository (780), the server stores the project finance company information, project information, estimated balance sheet information and estimated income statement information included in the estimated financial statement information. In connection with the project finance borrower code registered through the project finance application system shown in FIG. 1, the project finance information is stored in the predetermined project finance information D / B 655 (785), and predetermined information registration history information (for example, the electronic Generate (or extract) the details of storing the project finance-related electronic document in a document repository and / or the details of storing the estimated financial statement information in the project finance information D / B 655, and transmit the same to the terminal. (790).

According to an exemplary embodiment of the present invention, the project finance information D / B 655 is provided in a DBMS on a finance system provided on the project finance information registration system (or associated with the project finance information registration system). Preferably, the project financial information D / B 655 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby The present invention is not limited.

8A and 8B illustrate a process of registering estimated financial statement information according to another exemplary embodiment of the present invention.

In more detail, FIGS. 8A and 8B show an employee terminal on the project financial information registration system shown in FIG. 6 as an employee terminal used by a project finance officer of a financial institution, and the project finance server 600 includes a predetermined financial network. In the case of communication with the employee terminal through the at least one project financing company, at least one of the project finance company information, project information, estimated balance sheet information and estimated income statement information for cash flow analysis according to the project finance evaluation model When a financial statement related document including the above is prepared and submitted, the predetermined employee terminal acquires predetermined image contents corresponding to the financial statement related document through a predetermined image acquisition device, and projects finance through a predetermined information registration interface. The information registration system can be used to When the estimated financial statement information and the image content obtained from the financial statement related documents are provided, a predetermined project finance related electronic document including the image content is generated and stored in a predetermined electronic document repository, and the estimated financial statement A method of executing the project financial company information, project information, estimated balance sheet information, and estimated income statement information, which are included in the information, by linking and storing them in a predetermined project financial information D / B 655. Specifically, the employee The terminal inputs (or selects) estimated financial statement information corresponding to the financial statement related document at the terminal and transmits the estimated financial statement information to the project finance server 600, and then, through a predetermined image acquisition device, the predetermined financial statement related document corresponding to the financial statement related document. Acquire image content and transmit it to the project finance server 600. It shows you how.

Those skilled in the art to which the present invention pertains, various implementations to register the estimated financial statement information from the employee terminal to the project finance server 600 by referring to and / or modified in this figure 8a and 8b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 8A and 8B.

For example, in the implementation method shown in FIGS. 8A and 8B, the employee terminal acquires predetermined image contents corresponding to the financial statement related document through a predetermined image acquisition device, and / or is attached to the financial statement related document. Although an information registration interface for inputting (or selecting) corresponding estimated financial statement information is illustrated as being provided from the project finance server 600, the information is provided when a predetermined project finance related program is provided in the employee terminal. The registration interface may not be provided from the project finance server 600, and thus the present invention is not limited thereto.

In the following Figures 8a and 8b, the employee terminal shown in Figure 6 is referred to as "terminal" for convenience, and the project finance server 600 shown in Figure 6 is referred to as "server" for convenience.

8A and 8B, at least one project financing applicant includes at least one of the project finance company information, project information, estimated balance sheet information, and estimated income statement information for analyzing cash flows according to the project finance evaluation model. After preparing and submitting the financial statement related documents, the employee terminal shown in FIG. 6 connects to the server through a predetermined financial network and connects a predetermined communication channel to the project finance corresponding to the financial statement related documents. When requesting the information registration interface for cash flow analysis according to the evaluation model (800), the server corresponding to the project financial company information and project information and the estimated loan corresponding to the financial statement-related documents prepared by the project financing company At least one check sheet information and estimated income statement information Generating (or extracting) an information registration interface for inputting (or selecting) estimated financial statement information to be transmitted to the server (805), and generating the information registration interface (or extracted) through the financial network. The data is transmitted to the terminal and output (810).

Thereafter, the terminal inputs (or selects) estimated financial statement information including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information through the information registration interface (815).

If the estimated financial statement information including at least one of the project finance company information, the project information, the estimated balance sheet information and the estimated income statement information is input (or selected) through the information registration interface (820), the terminal receives the The inputted (or selected) estimated financial statement information is transmitted to the server through a financial network (825).

Thereafter, the server receives and reads estimated financial statement information including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information through the financial network, for the estimated financial statement information. Validation is checked (830).

According to the implementation method of the present invention, the validity verification of the estimated financial statement information, the project finance borrower code included in the estimated financial statement information is generated through the project finance application system shown in Figure 1, the project finance application It is preferable to include checking whether the project is matched with the registered project finance borrower code by linking with the customer ledger of the company.

If the validity of the estimated financial statement information is not authenticated (835), the server generates predetermined information registration error information and transmits it to the terminal (840), and performs an information registration procedure corresponding to the estimated financial statement information. Do not perform.

On the other hand, if the validity of the estimated financial statement information is authenticated (835), the server acquires predetermined image contents corresponding to the financial statement-related documents prepared by the project financing company through a predetermined image acquisition device in the terminal. An information registration interface is generated (or extracted) for transmission to the server (845), and the generated (or extracted) information registration interface is transmitted to the terminal through the financial network (850).

Thereafter, the terminal acquires image content corresponding to the financial statement related document through a predetermined image acquisition device based on the information registration interface (855).

If image content corresponding to the financial statement related document is obtained through the image acquisition device (860), the terminal transmits the obtained image content to the server through the financial network (865).

The server, having received the estimated financial statement information and the image content from the terminal, generates a predetermined project finance related electronic document including the image content (870).

According to one embodiment of the invention, the server is project finance for cash flow analysis according to the project financing evaluation model as it is the image file including the image content received from the employee terminal via the image receiving unit 630 It is preferable to process the relevant electronic document.

Alternatively, the server may include the project finance company information, the project information, and the estimate included in the estimated financial statement information received through the information receiver 615 in the image content received from the employee terminal through the image receiver 630. Generate project finance-related electronic documents for cash flow analysis according to the project finance valuation model with an image file corresponding to the image contents including at least one of balance sheet information and estimated income statement information by watermarking. It is desirable to.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI file) including the image content received from the employee terminal through the image receiving unit 630. Project data for cash flow analysis according to the project finance valuation model by generating an electronic data interchange file, a word processor file including at least one of HWP / DOC, or a web document file including MHT. It is desirable to create an associated electronic document.

Alternatively, the server may include the project finance company information, the project information, and the estimate included in the estimated financial statement information received through the information receiver 615 in the image content received from the employee terminal through the image receiver 630. Generate image content including at least one or more of balance sheet information and estimated income statement information by a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF)) containing the generated image content. Cash flow analysis according to the project financial valuation model by generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to create a project finance related electronic document.

According to another exemplary embodiment of the present invention, the server may include the image content received from the employee terminal through the image receiver 630 and estimated financial statement information received through the information receiver 615. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate an electronic document for project finance for cash flow analysis according to the project finance valuation model.

Alternatively, the server may include the project finance company information, the project information, and the estimate included in the estimated financial statement information received through the information receiver 615 in the image content received from the employee terminal through the image receiver 630. Generate image content including at least one or more of the balance sheet information and the estimated income statement information by a watermarking method, and a predetermined document file including the generated image content and the estimated financial statement information (eg, Project financial evaluation by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is desirable to generate electronic documents related to project finance for cash flow analysis according to the model. It is right.

Those skilled in the art to which the present invention pertains can include technical features that the server generates project finance-related electronic documents in an image file format and / or a predetermined document file format, and correspond to the project finance-related electronic documents. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated project finance related electronic document in a predetermined electronic document storage (875).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 670 and an electronic document D / B 690 associated with a server on the project financial information registration system through predetermined communication means. When provided externally, the server preferably transmits the generated project finance-related electronic document to the electronic document server 670 through the communication means to store in the electronic document D / B (690).

Alternatively, when the electronic document storage is provided on a DBMS provided in the project finance information registration system, the server stores the generated project finance related electronic document in an electronic document storage on a DBMS provided in the project finance information registration system. It is possible to store in the electronic document D / B 690 corresponding to the present invention, thereby not limited.

According to the embodiment of the present invention, storing the project finance-related electronic document in the electronic document storage, the electronic project shown in FIG. It is preferable to include storing in document D / B 690.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the project finance-related electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the project finance-related electronic document.

The electronic document management information may include predetermined electronic document related information (eg, project finance application company information for preparing a financial statement related document corresponding to the image content, and / or financial institution information for transmitting the project finance related electronic document). And / or electronic document file format information, and / or the estimated financial statement information, etc.).

If the project finance related electronic document is stored in the electronic document repository (880), the server stores the project finance company information, the project information, the estimated balance sheet information and the estimated income statement information included in the estimated financial statement information. In connection with the project finance borrower code registered through the project finance application system shown in FIG. 1, the project finance information is stored in predetermined project finance information D / B 655 (885), and predetermined information registration history information (for example, the electronic Generate (or extract) the details of storing the project finance-related electronic document in a document repository and / or the details of storing the estimated financial statement information in the project finance information D / B 655, and transmit the same to the terminal. (890).

According to an exemplary embodiment of the present invention, the project finance information D / B 655 is provided in a DBMS on a finance system provided on the project finance information registration system (or associated with the project finance information registration system). Preferably, the project financial information D / B 655 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby The present invention is not limited.

9A and 9B illustrate a process of registering estimated financial statement information according to another exemplary embodiment of the present invention.

9a and 9b show the employee terminal on the project financial information registration system shown in FIG. 6 as an employee terminal used by a project finance officer of a financial institution, and the project finance server 600 has a predetermined financial network. In the case of communication with the employee terminal through the at least one project financing company, at least one of the project finance company information, project information, estimated balance sheet information and estimated income statement information for cash flow analysis according to the project finance evaluation model When a financial statement related document including the above is prepared and submitted, the predetermined employee terminal acquires predetermined image contents corresponding to the financial statement related document through a predetermined image acquisition device, and projects finance through a predetermined information registration interface. The information registration system can be used to When the estimated financial statement information and the image content obtained from the financial statement related documents are provided, a predetermined project finance related electronic document including the image content is generated and stored in a predetermined electronic document repository, and the estimated financial statement A method of executing the project financial company information, project information, estimated balance sheet information, and estimated income statement information, which are included in the information, by linking and storing them in a predetermined project financial information D / B 655. Specifically, the employee The terminal acquires predetermined image content corresponding to the financial statement related document through a predetermined image acquisition device, inputs (or selects) estimated financial statement information corresponding to the financial statement related document, and executes the project finance server 600. Shows an embodiment of the transmission method.

Those skilled in the art to which the present invention pertains, various implementations of registering the estimated financial statement information from the employee terminal to the project finance server 600 by referring to and / or modified in the drawings 9a and 9b. The method may be inferred, but the present invention includes all the inferred implementation methods, and is not limited to the implementation method shown in FIGS. 9A and 9B.

For example, in the implementation method shown in Figs. 9A and 9B, the employee terminal acquires predetermined image contents corresponding to the financial statement related document through a predetermined image acquisition device, and / or the financial statement related document. Although an information registration interface for inputting (or selecting) corresponding estimated financial statement information is illustrated as being provided from the project finance server 600, the information is provided when a predetermined project finance related program is provided in the employee terminal. The registration interface may not be provided from the project finance server 600, and thus the present invention is not limited thereto.

In the following Figures 9a and 9b, the employee terminal shown in Figure 6 is referred to as "terminal" for convenience, and the project finance server 600 shown in Figure 6 is referred to as "server" for convenience.

9A and 9B, at least one project financing applicant includes at least one of the project finance company information, project information, estimated balance sheet information, and estimated income statement information for analyzing cash flows according to the project finance evaluation model. After preparing and submitting the financial statement related documents, the employee terminal shown in FIG. 6 connects to the server through a predetermined financial network and connects a predetermined communication channel to the project finance corresponding to the financial statement related documents. When requesting an information registration interface for analyzing cash flows according to the evaluation model (900), the server inputs estimated financial statement information corresponding to the financial statement-related documents prepared by the project finance applicant company in the terminal (or And the financial statement-related documents through a predetermined image acquisition device. Generating (or extracting) an information registration interface for acquiring and transmitting corresponding predetermined image content to the server (905), and transmitting the generated (or extracted) information registration interface to the terminal through the financial network; Output 910.

Thereafter, the terminal inputs (or selects) estimated financial statement information including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information through the information registration interface (915).

If the estimated financial statement information including at least one or more of the project finance company information, the project information, the estimated balance sheet information and the estimated income statement information is input (or selected) through the information registration interface (920), the terminal receives the information. Based on the information registration interface, an image content corresponding to the financial statement related document is acquired through a predetermined image acquisition device (925).

If image content corresponding to the financial statement related document is obtained through the image acquisition device (930), the terminal transmits the estimated financial statement information and the image content to the server through the financial network (935).

Thereafter, the server receives and reads estimated financial statement information including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information through the financial network, for the estimated financial statement information. Validate (940).

According to the implementation method of the present invention, the validity verification of the estimated financial statement information, the project finance borrower code included in the estimated financial statement information is generated through the project finance application system shown in Figure 1, the project finance application It is preferable to include checking whether the project is matched with the registered project finance borrower code by linking with the customer ledger of the company.

If the validity of the estimated financial statement information is not authenticated (945), the server generates predetermined information registration error information and transmits it to the terminal (950), and performs an information registration procedure corresponding to the estimated financial statement information. Do not perform.

On the other hand, if the validity of the estimated financial statement information is verified (945), the server generates a predetermined project finance-related electronic document including the image content (955).

According to one embodiment of the invention, the server is project finance for cash flow analysis according to the project financing evaluation model as it is the image file including the image content received from the employee terminal via the image receiving unit 630 It is preferable to process the relevant electronic document.

Alternatively, the server may include the project finance company information, the project information, and the estimate included in the estimated financial statement information received through the information receiver 615 in the image content received from the employee terminal through the image receiver 630. Generate project finance-related electronic documents for cash flow analysis according to the project finance valuation model with an image file corresponding to the image contents including at least one of balance sheet information and estimated income statement information by watermarking. It is desirable to.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a PDF (Portable Document Format) file or EDI file) including the image content received from the employee terminal through the image receiving unit 630. Project data for cash flow analysis according to the project finance valuation model by generating an electronic data interchange file, a word processor file including at least one of HWP / DOC, or a web document file including MHT. It is desirable to create an associated electronic document.

Alternatively, the server may include the project finance company information, the project information, and the estimate included in the estimated financial statement information received through the information receiver 615 in the image content received from the employee terminal through the image receiver 630. Generate image content including at least one or more of balance sheet information and estimated income statement information by a watermarking method, and include a predetermined document file (eg, a Portable Document Format (PDF)) containing the generated image content. Cash flow analysis according to the project financial valuation model by generating a file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to create a project finance related electronic document.

According to another exemplary embodiment of the present invention, the server may include the image content received from the employee terminal through the image receiver 630 and estimated financial statement information received through the information receiver 615. Generate a document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) By doing so, it is preferable to generate an electronic document for project finance for cash flow analysis according to the project finance valuation model.

Alternatively, the server may include the project finance company information, the project information, and the estimate included in the estimated financial statement information received through the information receiver 615 in the image content received from the employee terminal through the image receiver 630. Generate image content including at least one or more of the balance sheet information and the estimated income statement information by a watermarking method, and a predetermined document file including the generated image content and the estimated financial statement information (eg, Project financial evaluation by generating a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT) It is desirable to generate electronic documents related to project finance for cash flow analysis according to the model. It is right.

Those skilled in the art to which the present invention pertains can include technical features that the server generates project finance-related electronic documents in an image file format and / or a predetermined document file format, and correspond to the project finance-related electronic documents. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated project finance related electronic document in a predetermined electronic document storage (960).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 670 and an electronic document D / B 690 associated with a server on the project financial information registration system through predetermined communication means. When provided externally, the server preferably transmits the generated project finance-related electronic document to the electronic document server 670 through the communication means to store in the electronic document D / B (690).

Alternatively, when the electronic document storage is provided on a DBMS provided in the project finance information registration system, the server stores the generated project finance related electronic document in an electronic document storage on a DBMS provided in the project finance information registration system. It is possible to store in the electronic document D / B 690 corresponding to the present invention, thereby not limited.

According to the embodiment of the present invention, storing the project finance-related electronic document in the electronic document storage, the electronic project shown in FIG. It is preferable to include storing in document D / B 690.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the project finance-related electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the project finance-related electronic document.

The electronic document management information may include predetermined electronic document related information (eg, project finance application company information for preparing a financial statement related document corresponding to the image content, and / or financial institution information for transmitting the project finance related electronic document). And / or electronic document file format information, and / or the estimated financial statement information, etc.).

If the project finance related electronic document is stored in the electronic document repository (965), the server stores the project finance company information, the project information, the estimated balance sheet information and the estimated income statement information included in the estimated financial statement information. In connection with the project finance borrower code registered through the project finance application system shown in FIG. 1, the project finance information is stored in the predetermined project finance information D / B 655 (970). Generate (or extract) the details of storing the project finance-related electronic document in a document repository and / or the details of storing the estimated financial statement information in the project finance information D / B 655, and transmit the same to the terminal. (975).

According to an exemplary embodiment of the present invention, the project finance information D / B 655 is provided in a DBMS on a finance system provided on the project finance information registration system (or associated with the project finance information registration system). Preferably, the project financial information D / B 655 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby The present invention is not limited.

10 is a diagram illustrating a project financial information registration system for analyzing cash flows according to a project finance valuation model according to another embodiment of the present invention.

In more detail, Figure 10 shows a project finance company information and project information and the estimated loan for a cash flow analysis according to the project finance valuation model to a project finance information registration system by a given project finance applicant company through a predetermined information registration interface. When providing the estimated financial statement information including at least one of the balance sheet information and the estimated income statement information, the project financial information registration system generates a predetermined project finance related electronic document including the provided estimated financial statement information and generates a predetermined electronic document. It is stored in the document storage, and stored in the predetermined project financial information D / B (1050) by linking the project financial company information, project information, estimated balance sheet information and estimated income statement information included in the estimated financial statement information For system configuration Specifically, the present invention relates to an implementation method in which the electronic document repository is provided on an external system associated with the project financial information registration system through a predetermined communication means.

Those skilled in the art to which the present invention pertains can refer to and / or modify this drawing 10 to infer various implementation methods for the construction of a project financial information registration system for cash flow analysis according to the project financial valuation model. As will be appreciated, the present invention encompasses all the inferred implementation methods, and is not limited to the implementation method shown in FIG.

For example, those skilled in the art to which the present invention pertains may refer to, and / or modify, the information registrant corresponding to at least one project participant associated with the project finance in addition to the project finance applicant. Although it will be possible to infer an implementation method for registering the registration target information of the present invention, the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, in the project finance information registration system shown in FIG. 10, at least the estimated financial statement information provided by the project finance applying company is stored in the predetermined project finance information D / B 1050 through a predetermined information registration interface. Components corresponding to one or more means and / or functional configurations are referred to as " project finance server 1000 " for convenience.

Referring to FIG. 10 according to an embodiment of the present invention, the project finance information registration system for analyzing cash flows according to the project finance valuation model may include at least one wired terminal and / or wireless terminal used by the project finance applicant. And a corporate terminal 1090, wherein the corporate terminal 1090 is connected to a project finance server 1000 provided on the project financial information registration system through a predetermined network means.

According to an exemplary embodiment of the present invention, the project financing company applies the project finance server through at least one or more corporate terminals 1090 of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. 1000) and input (or select) estimated financial statement information for cash flow analysis according to the project finance valuation model through at least one user interface provided by the project finance server 1000. In operation 1090, it is preferable to transmit the data to the project finance server 1000 provided on the project finance information registration system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

The network means for connecting the enterprise terminal 1090 and the project finance server 1000 may be a CDMA based (and / or HSDPA based) mobile communication network according to the type of wireless communication network to which the enterprise terminal 1090 is connected. Or IEEE 802.16x-based portable Internet and / or IEEE 802.11x-based wireless LAN, and / or all types of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the corporate terminal 1090 outputs at least one or more user interfaces provided by the project finance server 1000, and inputs and / or selects at least one or more information through the user interface to project the finance server 1000. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the project finance server 1000, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the enterprise terminal 1090 corresponding to at least one or more wired terminals and / or wireless terminals. Omit for convenience.

The project finance information D / B 1050 provided on the project finance information registration system according to the present invention includes the project finance company information, the project information, and the estimated balance sheet included in the estimated financial statement information provided from the employee terminal. The information and the estimated income statement information are processed in connection with the project finance borrower code registered through the project finance application system shown in FIG. 1 and stored in the predetermined project finance information D / B 1050.

Preferably, the project finance borrower code includes a project finance borrower code registered in association with the customer ledger of the project finance applicant company through the project finance application system shown in FIG.

According to an embodiment of the present invention, it is preferable that each registered subject information registered by at least one or more information registrants participating in the project finance in addition to the project finance applicant company is also stored in association with the project finance borrower code.

The project financial company information is information registrant information for registering the estimated financial statement information, and when the estimated financial statement information is registered by another information registrant other than the project financial company (for example, an accounting business processing institution of the project financial company). The project finance company information may be changed into the information registrant information, thereby not limiting the present invention.

The project information may include an analysis base date, a future construction period (eg, construction period after the analysis base date), a future operation period (eg, an operation period after the analysis mood date), a credit start start date (eg, a start date of credit grant for the project). ), The end date of the credit (e.g., the end date of the credit for the project), the total amount of the credit (e.g., the total amount of credit for that project), the amount of credit repaid (e.g., the date of analysis of the total amount of the credit, It is preferable to include at least one credit amount repaid until), the weighted average cost of capital, corporate tax rate, liquidity agreement, and the like.

Here, the analysis reference date is set to input the actual value because the cash flow of the analysis reference date is the actual cash flow, and to set the cash flow after the analysis reference date to be estimated separately, in particular to apply a stress situation The formula is preferably applied to the cash flows after the analysis date, and it is preferable to separate the construction period and the operating period separately when the cash flow estimation takes into account the factors influencing the construction period and the operation period separately. .

The estimated balance sheet information is estimated balance sheet information estimated during a construction period (or an operation period) corresponding to the project based on a predetermined financial analysis model, and corresponds to a construction period (or an operation period) corresponding to the project. It is desirable to include forecast balance sheet information for each fiscal year.

The estimated income statement information is estimated income statement information estimated during the construction period (or operating period) corresponding to the project based on a predetermined financial analysis model, and corresponds to the construction period (or operating period) corresponding to the project. It is desirable to include forecast income statement information for each fiscal year.

According to an embodiment of the present invention, the project finance information D / B 1050 is provided in a DBMS on a finance system provided on the project finance information registration system (or associated with the project finance information registration system). Preferably, the project financial information D / B 1050 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby The present invention is not limited.

The project finance server 1000 provided on the project finance information registration system according to the present invention is a generic term for the components of the project finance information registration system side connected to the enterprise terminal 1090 through a predetermined network means. It may be implemented by including one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to the method of the present invention, the project finance server 1000 is characterized in that it comprises an interface unit 1005 for connecting and managing a predetermined communication channel with the enterprise terminal 1090 through the network means. .

According to an exemplary embodiment of the present invention, when the enterprise terminal 1090 includes a wired terminal connected to a predetermined wired communication network, the interface unit 1005 is based on the protocol stack defined in the wired communication network. It is preferable to connect a communication channel 1090 and a predetermined communication channel and provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program included in the enterprise terminal 1090. .

For example, when the enterprise terminal 1090 is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 1005 may be connected to the enterprise terminal 1090 based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the corporate terminal 1090 is provided with a communication program (eg, an internet banking program) provided by the project finance server 1000, the interface unit 1005 is based on the TCP / IP protocol. It connects a communication channel with a terminal 1090 and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the enterprise terminal 1090 includes a wireless terminal connected to a predetermined wireless communication network, the interface unit 1005 may be configured based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal 1090 and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program included in the enterprise terminal 1090. Do.

For example, when the enterprise terminal 1090 is equipped with a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol, the interface unit 1005 may be configured to use the enterprise terminal based on the CDMA protocol. 1090 and a communication channel, and using a WAP / ME protocol defined in the browser program to send and receive web pages (e.g., WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information. Provides a communication interface for

Alternatively, when the corporate terminal 1090 is provided with a communication program (eg, an IC chip-based banking program) provided by the project finance server 1000, the interface unit 1005 is based on the CDMA protocol. It connects a communication channel with an enterprise terminal 1090 and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

Referring to FIG. 10, the project finance server 1000 connects a predetermined communication terminal with a predetermined communication terminal through a predetermined corporate terminal 1090 and the project finance server 1000 through the interface unit 1005. When requesting the information registration, at least the company terminal 1090 inputs (or selects) predetermined estimated financial statement information and transmits it to the project finance server 1000 for cash flow analysis according to the project finance valuation model. An interface providing unit for generating (or extracting) one or more user interfaces and providing the enterprise terminal 1090 with an information registration interface including the generated (or extracted) user interface in association with the interface unit 1005 ( 1010 and the project finance company information, the project information, and the estimated balance through the user interface at the enterprise terminal 1090. When the estimated financial statement information including at least one of the table information and the estimated income statement information is input (or selected) and transmitted, the estimated financial statement information transmitted from the corporate terminal 1090 in association with the interface unit 1005. Project financial company that registers the estimated financial statement information by comparing the information receiving unit 1015 for receiving the information, the project financial company information included in the estimated financial statement information and the information registrant information provided in the information registrant D / B 1060. An estimated balance sheet included in the estimated financial statement information by inquiring the information registrant certification unit 1020 for authenticating a company and the project finance registration information D / B 1055 based on the information registrant information when the information registrant is authenticated. An information confirmation unit 1025 confirming whether the check sheet information and the estimated income statement information are included in the information subject to registration of the project finance company. It is characterized by comprising.

The interface provider 1010 connects a predetermined communication channel with the project finance server 1000 through the interface unit 1005 and requests registration of predetermined project finance information. When the project finance server 1000 requests a user interface for cash flow analysis according to the project finance valuation model, the enterprise terminal 1090 inputs (or selects) predetermined estimated financial statement information through the network means. Create at least one user interface to be transmitted to the project finance server 1000, and / or extracted from a predetermined database (not shown), and in conjunction with the interface unit 1005 generated (or extracted) the user An interface is provided to the enterprise terminal 1090 through the network means.

According to an embodiment of the present invention, when the corporate terminal 1090 includes a wired terminal connected to a predetermined wired communication network, the interface providing unit 1010 may include a browser program provided in the corporate terminal 1090 and / or Alternatively, it is preferable to generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the generated (or extracted) user interface to the enterprise terminal 1090 through the interface unit 1005.

According to another exemplary embodiment of the present invention, when the corporate terminal 1090 includes a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 1010 may include a browser program provided in the corporate terminal 1090. And / or generate (or extract) a predetermined user interface that can be provided by a communication program, and provide the user interface 1090 generated (or extracted) through the interface unit 1005.

According to another exemplary embodiment of the present invention, at least one user interface for inputting (or selecting) predetermined estimated financial statement information to the enterprise terminal 1090 and transmitting the estimated financial statement information to the project finance server 1000 through the network means is provided. When a predetermined project finance related program is provided, a user interface for inputting (or selecting) predetermined estimated financial statement information to be transmitted to the project finance server 1000 is generated (or extracted) as described above. The interface providing unit 1010 provided to the enterprise terminal 1090 may be omitted, and the present invention is not limited thereto.

Thereafter, the enterprise terminal 1090 inputs (or selects) estimated financial statement information including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information through the information registration interface. The estimated financial statement information including at least one or more of the input (or selected) project finance company information, estimated balance sheet information, and estimated income statement information is transmitted to the project finance server 1000 through a predetermined communication network.

The project financial company information is information registrant information for registering the estimated financial statement information, and when the estimated financial statement information is registered by another information registrant other than the project financial company (for example, an accounting business processing institution of the project financial company). The project finance company information may be changed into the information registrant information, thereby not limiting the present invention.

The project information may include an analysis base date, a future construction period (eg, construction period after the analysis base date), a future operation period (eg, an operation period after the analysis mood date), a credit start start date (eg, a start date of credit grant for the project). ), The end date of the credit (e.g., the end date of the credit for the project), the total amount of the credit (e.g., the total amount of credit for that project), the amount of credit repaid (e.g., the date of analysis of the total amount of the credit, It is preferable to include at least one credit amount repaid until), the weighted average cost of capital, corporate tax rate, liquidity agreement, and the like.

Here, the analysis reference date is set to input the actual value because the cash flow of the analysis reference date is the actual cash flow, and to set the cash flow after the analysis reference date to be estimated separately, in particular to apply a stress situation The formula is preferably applied to the cash flows after the analysis date, and it is preferable to separate the construction period and the operating period separately when the cash flow estimation takes into account the factors influencing the construction period and the operation period separately. .

The estimated balance sheet information is estimated balance sheet information estimated during a construction period (or an operation period) corresponding to the project based on a predetermined financial analysis model, and corresponds to a construction period (or an operation period) corresponding to the project. It is desirable to include forecast balance sheet information for each fiscal year.

According to the method of the present invention, the estimated balance sheet information may be automatically calculated by inputting a lower account (e.g., when the cash and cash equivalents and other current assets are input, the asset of the party is automatically calculated). If the employee terminal is to modify the automatically calculated cell, the modified value is changed to a constant, it is preferable to exclude from the cash flow analysis (or stress analysis) for the project finance.

The estimated income statement information is estimated income statement information estimated during the construction period (or operating period) corresponding to the project based on a predetermined financial analysis model, and corresponds to the construction period (or operating period) corresponding to the project. It is desirable to include forecast income statement information for each fiscal year.

According to an embodiment of the present invention, it is preferable that the estimated income statement information is automatically calculated by entering a lower account. If the employee terminal modifies the automatically calculated cell, the modified value is It is preferably changed to a constant and excluded from the cash flow analysis (or stress analysis) for the project finance.

The information receiving unit 1015 receives the estimated financial statement information transmitted from the corporate terminal 1090 in association with the interface unit 1005.

According to the implementation method of the present invention, the enterprise terminal 1090 includes the project finance company information, project information, estimated balance sheet information and estimated income statement information at least one or more of the project finance server 1000 At least one or more of a predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to verify the validity of the estimated financial statement information. It is preferable to transmit to the project finance server 1000 through a network means.

According to an exemplary embodiment of the present invention, the corporate terminal 1090 may include at least one encryption method for estimating financial statement information including at least one of the project finance company information, project information, estimated balance sheet information, and estimated income statement information ( For example, a symmetric key based encryption method, and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, and / or the like. It is preferable to transmit the digital signature of the transmission to the project finance server 1000 through the network means, for this purpose, the enterprise terminal 1090 is provided with at least one encryption key corresponding to the encryption method, and / Or have a predetermined public certificate containing at least one encryption key, and / or If the certificate is provided in a predetermined IC chip (or IC card) it is preferably provided with a card reader for identifying the certificate provided in the IC chip (or IC card).

Those skilled in the art should understand the technical characteristics of various encryption methods for encrypting the estimated financial statement information and the technical characteristics of attaching a predetermined electronic signature to the estimated financial statement information. Since it will be, a detailed description thereof will be omitted for convenience.

When the estimated financial statement information is received, the information registrant certification unit 1020 confirms project financial company information included in the estimated financial statement information, and the information registrant registered through the information registrar setting system shown in FIG. In connection with the D / B (1060) characterized in that the project financing company to check whether it is valid information registrant information to register the estimated financial statement information.

If the verification result is that the project finance company is a valid information registrant capable of registering the estimated financial statement information, the information checking unit 1025 may determine the project finance registration information D / B 1055 based on the information registrant information. It is characterized by checking whether the estimated balance sheet information and the estimated income statement information included in the estimated financial statement information are included in the registration target information to be registered by the project finance company.

Referring to FIG. 10, when the estimated financial statement information transmitted from the corporate terminal 1090 is received through the information receiver 1015, the project finance server 1000 displays the estimated financial statement information. Characterized in that it comprises a validity check unit 1030 to check whether the validity for the cash flow analysis according to the financial valuation model.

According to an embodiment of the present invention, the estimated financial statement information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption method, the validity confirming unit 1030 may convert the encrypted estimated financial statement information into at least one decryption method (eg, a symmetric key based decryption method and / or a corresponding encryption method). Public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received estimated financial statement information.

Alternatively, when a predetermined electronic signature is attached to the estimated financial statement information, the validity confirming unit 1030 confirms the validity of the received estimated financial statement information by checking the electronic signature attached to the estimated financial statement information. It is desirable to authenticate.

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted estimated financial statement information, and technical features for identifying an electronic signature attached to the estimated financial statement information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the estimated financial statement information received through the information receiving unit 1015 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the estimated financial statement information, the validity confirming unit 1030 ) Compares and authenticates the received password included in the estimated financial statement information with the password provided corresponding to the project financing company on the DBMS, thereby authenticating the validity of the received estimated financial statement information. .

Alternatively, when the estimated financial statement information received through the information receiving unit 1015 further includes predetermined security card information for confirming the validity of the estimated financial statement information, the validity confirming unit 1030 may determine the validity of the estimated financial statement information. It is preferable to authenticate the validity of the received estimated financial statement information by comparing and authenticating the received security card information included in the estimated financial statement information with the security card information provided corresponding to the project financing company on the DBMS. Do.

Alternatively, when the estimated financial statement information received through the information receiver 1015 further includes a predetermined OTP code for confirming the validity of the estimated financial statement information, the validity confirming unit 1030 may determine the estimated financial statement information. By comparing and authenticating the received OTP code included in the financial statement information and the OTP code generated based on predetermined OTP generation information provided in correspondence with the project financing company on the DBMS, the received financial statement information It is desirable to authenticate validity.

According to the implementation method of the present invention, the validity verification of the estimated financial statement information, the project finance borrower code included in the estimated financial statement information is generated through the project finance application system shown in Figure 1, the project finance application It is preferable to include checking whether the project is matched with the registered project finance borrower code by linking with the customer ledger of the company.

Referring to FIG. 10, when the validity of the estimated financial statement information is authenticated through the validity confirming unit 1030, the project finance server 1000 includes a predetermined project finance related information including the received estimated financial statement information. An electronic document generation unit 1035 for generating an electronic document, and an electronic document transmission unit 1040 for transmitting the generated project finance-related electronic document to an electronic document repository associated with the project finance information registration system. It features.

The electronic document generation unit 1035 generates a project finance-related electronic document including the estimated financial statement information received from the employee terminal through the information receiving unit 1015.

According to the exemplary embodiment of the present invention, the electronic document generation unit 1035 includes the project finance company information, the project information, the estimated balance sheet information, and the estimate included in the estimated financial statement information received through the information receiving unit 1015. Generate document content including at least one item of income statement information, and at least a document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the document content. It is preferable to process a word processing file including one or more, or a web document file including an MHT) as an electronic document for project finance for cash flow analysis according to the project finance valuation model.

Alternatively, the electronic document generator 1035 may include at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated financial statement information received through the information receiving unit 1015. A method of generating a document content including at least one of the project finance company information, project information, estimated balance sheet information and estimated income statement information included in the estimated financial statement information, the watermarking method. And a word processor including at least one document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including document content including the watermarking. Files, or web document files containing MHT) according to the Project Finance Evaluation Model. Be treated as a project finance-related electronic documents for the cash flow analysis is desirable.

Alternatively, the electronic document generator 1035 may include at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated financial statement information received through the information receiving unit 1015. A cash flow according to the project finance valuation model is generated by generating a document content including the document content and an image file including the image content (eg, the image content generated by capturing the document content on a memory). It is advisable to treat it as an electronic document related to project finance for analysis.

Alternatively, the electronic document generator 1035 may include at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated financial statement information received through the information receiving unit 1015. Generating project content including the document content; and capturing the document content into image content (eg, image content generated by capturing the document content on a memory) and the project finance company information included in the estimated financial statement information. After at least one of the project information, the estimated balance sheet information and the estimated income statement information is included in a watermarking method, an image file including the image contents including the watermarking is included in the cash according to the project finance valuation model. Processed as project finance related electronic documents for flow analysis It is preferable.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1035 may include the project finance company information, the project information, the estimated balance sheet information, and the information included in the estimated financial statement information received through the information receiving unit 1015. A predetermined document file including document content including at least one estimated profit and loss statement information, and including image content (eg, image content generated by capturing the document content on a memory). (Eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is advisable to treat it as an electronic document related to project finance for cash flow analysis according to the project finance valuation model. All.

Alternatively, the electronic document generator 1035 may include at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated financial statement information received through the information receiving unit 1015. Generating project content including the document content; and capturing the document content into image content (eg, image content generated by capturing the document content on a memory) and the project finance company information included in the estimated financial statement information. A document file (eg, PDF) that generates image content including at least one or more of project information, estimated balance sheet information, and estimated income statement information by watermarking, and includes the image content including the watermarking. (Portable Document Format) files, or EDI (Electronic Data Interchange) files, By generating a word processor file including at least one or more HWP / DOC, or a web document file including the MHT, etc.), it is processed as a project finance-related electronic document for cash flow analysis according to the project finance valuation model desirable.

According to another exemplary embodiment of the present invention, the electronic document generating unit 1035 includes the project finance company information, the project information, and the estimated balance sheet information included in the estimated financial statement information received through the information receiving unit 1015. And generating document content including at least one estimated income statement information, and capturing the document content (e.g., image content generated by capturing the document content on a memory) and the estimated financial statement information. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Project finance-related electronics for cash flow analysis according to the project finance valuation model. It is desirable to process each other.

Alternatively, the electronic document generator 1035 may include at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated financial statement information received through the information receiving unit 1015. Generating project content including the document content; and capturing the document content into image content (eg, image content generated by capturing the document content on a memory) and the project finance company information included in the estimated financial statement information. Generating image content including at least one or more of project information, estimated balance sheet information, and estimated income statement information by a watermarking method, and including the image content including the watermarking and the estimated financial statement information. Document file (e.g. Portable Document Format (PDF) file, or EDI (Ele) project data for cash flow analysis according to the project finance valuation model by generating a ctronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is preferable to process it as an electronic document.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 1035 is a technical feature of generating a project finance-related electronic document of the image file format and / or a predetermined document file format, and the project You will be familiar with the technical features of the file format for the image file and / or document file corresponding to the financial-related electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 1040 transmits and stores the project finance related electronic document generated by the electronic document generating unit 1035 to a predetermined electronic document repository associated with the project finance information registration system. do.

As shown in FIG. 10, the electronic document repository is connected to the project finance server 1000 on the project finance information registration system with a predetermined electronic document server 1065 and electronic document D / B ( 1085, the electronic document transmission unit 1040, the electronic document server 1065 via the communication means for the project-related electronic document generated by the electronic document generation unit 1035 It is characterized in that for transmitting.

Herein, when the electronic document server 1065 and the electronic document D / B 1085 are provided outside the project financial information registration system, the electronic document server 1065 and the electronic document D / B 1085 are provided. It is advisable to maintain the authority in a recognized institution.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the project financial information registration system, the electronic document transmitting unit 1040 is generated by the electronic document generating unit 1035. The project finance-related electronic document may be stored in an electronic document D / B 1085 corresponding to an electronic document repository on a DBMS provided in the project finance information registration system, and thus the present invention is not limited thereto.

According to the exemplary embodiment of the present invention, the electronic document transmission unit 1040 may input electronic document related information (for example, inputting the estimated financial statement information) to generate predetermined electronic document management information in the electronic document server 1065 ( Optionally) project information applying for the project finance, and / or financial institution information for transmitting the project finance-related electronic document, and / or electronic document file format information, and / or the estimated financial statement information). It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 10, the project finance server 1000 estimates financial statement information received through the information receiving unit 1015 for cash flow analysis according to the project finance valuation model through the validity confirming unit 1030. If the validity is verified, predetermined project financial information D / B 1050 is processed by linking the project financial company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated valid financial statement information. And an information storage unit 1045 stored in the storage device.

When the validity of the estimated financial statement information is confirmed by the validity confirmation unit 1030, the information storage unit 1045 includes the project finance company information, the project information, and the estimated balance sheet information included in the estimated financial statement information. And storing the project finance information D / B 1050 by linking the estimated profit and loss statement information with the project finance information D / B 1050, or being provided in the project finance server 1000, or When provided on a network connected with the project finance server 1000, the information storage unit 1045 includes the project finance company information, project information, estimated balance sheet information, and estimated profit and loss included in the received estimated financial statement information. It is preferable to store the project financial information D / B 1050 by linking and processing the bill information, and the project financial information D / B 1050. When included in the DBMS provided on the financial system, the information storage unit 1045 stores the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the received estimated financial statement information. It is preferable to provide the information system through the external system on the financial system and store it in the DBMS provided on the financial system.

Referring to FIG. 10, an electronic document which receives a predetermined project finance-related electronic document from the project finance server 1000 provided on the project finance information registration system and stores and manages it in a predetermined electronic document D / B 1085. The document server 1065 may include an electronic document receiver 1070 for receiving a predetermined project finance related electronic document from the project finance server 1000 through a predetermined communication means, and the received document finance related electronic document. An information generation unit 1075 for generating predetermined electronic document management information for storing and managing in the document D / B 1085, and the electronic document management information and the project finance related electronic document are processed in association with a predetermined electronic document. And an electronic document storage unit 1080 stored in the D / B 1085.

The electronic document receiving unit 1070 may receive a project finance related electronic document in the form of an image file and / or a document file from the project finance server 1000 through the communication means.

According to one embodiment of the present invention, the project finance-related electronic document received by the electronic document receiving unit 1070 through the communication means is an estimated financial statement received by the project finance server 1000 from the corporate terminal 1090. A document file (eg, a Portable Document Format (PDF) file, or EDI (Electronic) which includes document content including at least one or more of the project finance company information, project information, estimated balance sheet information, and estimated income statement information included in the information). Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

Alternatively, the project finance related electronic document received by the electronic document receiving unit 1070 through the communication means may be included in the project finance server 1000 included in the estimated financial statement information received from the corporate terminal 1090. The project financial company information, the project information, the estimated balance sheet information and the estimated income statement information included in the estimated financial statement information in a document content including at least one company information, project information, estimated balance sheet information and estimated income statement information. After including at least one of the information in a watermarking (Watermarking) method, a document file containing a document content including the watermarking (for example, PDF (Portable Document Format) file, EDI (Electronic Data Interchange) file, or Contains a word processor file or MHT containing at least one HWP / DOC, etc. It is preferred which comprises a web, such as a document file) to.

Alternatively, the project finance related electronic document received by the electronic document receiving unit 1070 through the communication means may be included in the project finance server 1000 included in the estimated financial statement information received from the corporate terminal 1090. Image content captured (e.g., image content generated by capturing the document content on a memory) including document information including at least one or more corporate information, project information, estimated balance sheet information, and estimated income statement information. It is preferable to include an image file.

Alternatively, the project finance related electronic document received by the electronic document receiving unit 1070 through the communication means may be included in the project finance server 1000 included in the estimated financial statement information received from the corporate terminal 1090. The estimation to image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one or more corporate information, project information, estimated balance sheet information, and estimated income statement information. After the project financial company information, the project information, the estimated balance sheet information and the estimated income statement information included in the financial statement information are included in a watermarking method, the image contents including the watermarking are included. It is preferable to include an image file The.

According to another exemplary embodiment of the present invention, the project finance related electronic document received by the electronic document receiving unit 1070 through the communication means is estimated finance received by the project finance server 1000 from the corporate terminal 1090. Image content (e.g., capturing the document content in memory by capturing document content including at least one or more of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the financial information). A predetermined document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) including an image content generated, or an MHT; Web document files, etc.) to be included.

Alternatively, the project finance related electronic document received by the electronic document receiving unit 1070 through the communication means may be included in the project finance server 1000 included in the estimated financial statement information received from the corporate terminal 1090. The estimation to image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one or more corporate information, project information, estimated balance sheet information, and estimated income statement information. Generating an image content including a watermarking method of at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the financial statement information, and the watermarking includes A document file containing the captured image content (e.g., PDF (Port preferably, a document document file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the project finance related electronic document received by the electronic document receiving unit 1070 through the communication means is estimated by the project finance server 1000 from the corporate terminal 1090. Image content (e.g., capturing the document content in memory) that captures document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the financial statement information. And at least one document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC, etc.) containing the generated image content) and the estimated financial statement information. Word processor files, or web document files containing MHT).

Alternatively, the project finance related electronic document received by the electronic document receiving unit 1070 through the communication means may be included in the project finance server 1000 included in the estimated financial statement information received from the corporate terminal 1090. The estimation to image content (eg, image content generated by capturing the document content on a memory) that captures document content including at least one or more corporate information, project information, estimated balance sheet information, and estimated income statement information. Generating an image content including a watermarking method of at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the financial statement information, and the watermarking includes Image content and the estimated financial statement information Includes a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT). It is preferable to make it.

The information generating unit 1075 is a predetermined electronic document unique number (or unique information) to be assigned to the project finance-related electronic document received through the electronic document receiving unit 1070, and through the electronic document receiving unit 1070 And generating electronic document management information including electronic document storage date and time information including a date and time when the project finance-related electronic document is received (or a date and time when the project finance-related electronic document is stored).

According to the exemplary embodiment of the present invention, the information generation unit 1075 refers to the project finance server 1000 by transmitting the project finance related electronic document received through the electronic document receiving unit 1070. It is preferable to identify the financial institution that has transmitted the electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the project finance server 1000 through the electronic document receiving unit 1070, the information generating unit 1075 receives the received information. Electronic document-related information (e.g., project finance application company information transmitted by inputting (selecting) the estimated financial statement information, and / or financial institution information transmitting the project finance-related electronic document, and / or electronic document file format information). And / or the estimated financial statement information, etc.).

The electronic document storage unit 1080 processes the electronic document management information generated through the project finance-related electronic document received through the electronic document receiving unit 1070 and the electronic document management information generated by the information generating unit 1075 in a predetermined electronic document D. / B 1085, characterized in that the storage.

According to an exemplary embodiment of the present invention, the project finance-related electronic document stored in the electronic document D / B 1085 by the electronic document storage unit 1080 is the project finance server 1000 by the corporate terminal 1090. A document file (eg, Portable Document Format (PDF)) containing document contents including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated financial statement information received from the information. File, or an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including an MHT.

Alternatively, the project finance related electronic document stored in the electronic document D / B 1085 by the electronic document storage unit 1080 may include estimated financial statement information received by the project finance server 1000 from the corporate terminal 1090. The project financial company information, the project information, and the estimated balance sheet included in the estimated financial statement information in document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the project financial company information. After at least one of the information and the estimated income statement information is included in a watermarking method, a document file (eg, a PDF (Portable Document Format) file or EDI (Electronic) file containing document content including the watermarking). Data Interchange) file, or a word processor file including at least one of HWP / DOC, or MHT. Be made, including also the web document file) is preferred.

Alternatively, the project finance related electronic document stored in the electronic document D / B 1085 by the electronic document storage unit 1080 may include estimated financial statement information received by the project finance server 1000 from the corporate terminal 1090. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the It is preferable to include an image file (including image content).

Alternatively, the project finance related electronic document stored in the electronic document D / B 1085 by the electronic document storage unit 1080 may include estimated financial statement information received by the project finance server 1000 from the corporate terminal 1090. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the Image content) includes at least one or more of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated financial statement information by a watermarking method. It is desirable to include an image file that contains the included image content. It is.

According to another embodiment of the present invention, the project finance-related electronic document that the electronic document storage unit 1080 stores in the electronic document D / B (1085) is the project finance server 1000 is the enterprise terminal (1090) Image content (eg, the document) which captures document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated financial statement information received from Word containing at least one predetermined document file (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including content generated by capturing contents on memory. Processor file, or a web document file including MHT).

Alternatively, the project finance related electronic document stored in the electronic document D / B 1085 by the electronic document storage unit 1080 may include estimated financial statement information received by the project finance server 1000 from the corporate terminal 1090. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the Image content) including image information including at least one or more of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated financial statement information in a watermarking manner. And a document file (eg, PDF (P) containing image content including the watermarking. ortable Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT.

According to another embodiment of the present invention, the project finance-related electronic document stored in the electronic document storage unit 1080 in the electronic document D / B (1085) is the project finance server 1000 is the corporate terminal ( Image content (e.g., captured) of document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated financial statement information received from 1090). A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing document contents captured by the document contents in memory and the estimated financial statement information. It is preferable to include a word processor file, or a web document file containing MHT, etc.) .

Alternatively, the project finance related electronic document stored in the electronic document D / B 1085 by the electronic document storage unit 1080 may include estimated financial statement information received by the project finance server 1000 from the corporate terminal 1090. Image content (e.g., generated by capturing the document content on a memory) which captures document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the Image content) including image information including at least one or more of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated financial statement information in a watermarking manner. And the image content including the watermarking and the estimated financial statement information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). It is preferable to make it.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1085 by the electronic document storage unit 1080 in association with the project finance-related electronic document is stored in the project finance-related electronic document. Preferably, a predetermined electronic document unique number (or unique information) assigned to the document and the electronic document storage date and time information are included.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 1085 by the electronic document storage unit 1080 in association with the project finance-related electronic document is related to the project finance. It is preferable that the financial institution further includes information on a financial institution that transmits the project finance-related electronic document identified with reference to the project finance server 1000 that transmits the electronic document.

According to another exemplary embodiment of the present invention, when predetermined electronic document-related information is further received from the project finance server 1000, the electronic document storage unit 1080 processes the electronic document in connection with the project finance-related electronic document and the The electronic document management information stored in the electronic document D / B 1085 includes the received electronic document related information (eg, project finance application company information transmitted by inputting (selecting) the estimated financial statement information), and / or the Financial institution information for transmitting the project finance-related electronic document, and / or electronic document file format information, and / or the estimated financial statement information).

11A and 11B illustrate a process of registering estimated financial statement information for cash flow analysis according to a project finance valuation model according to one embodiment of the present invention.

11A and 11B show the project finance company information, the project information, the estimated balance sheet information, and the estimated profit and loss through the company terminal for analyzing a cash flow according to the project finance valuation model. When providing the estimated financial statement information including at least one statement information, the project financial information registration system generates a predetermined project finance-related electronic document including the provided estimated financial statement information and stores it in a predetermined electronic document repository. And an implementation method of linking the project financial company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the estimated financial statement information and storing them in a predetermined project financial information D / B 1050. In the art to which the present invention pertains, Those skilled in the art will be able to infer various implementation methods for registering the estimated financial statement information from the corporate terminal to the project finance server 1000 by referring to and / or modifying the drawings 11a and 11b. The present invention includes all the inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 11A and 11B.

For example, in the implementation method illustrated in FIGS. 11A and 11B, a user interface through which the corporate terminal inputs (or selects) the estimated financial statement information is provided through a predetermined web page provided by the project finance server 1000. Although illustrated as being received, when a predetermined project finance-related program is provided in the corporate terminal, the user interface may not be provided from the project finance server 1000, and the present invention is not limited thereto.

11A and 11B, the enterprise terminal shown in FIG. 10 is referred to as a " terminal " for convenience, and the project finance server 1000 shown in FIG. 10 is referred to as a " server "

11A and 11B, the terminal shown in FIG. 10 is a predetermined network means (e.g., when the terminal is a wired terminal, a TCP / IP based wired communication network, and when the terminal is a wireless terminal, CDMA based ( And / or HSDPA-based) mobile communication network, and / or IEEE 802.16x-based portable Internet, and / or IEEE 802.11x-based wireless LAN, etc. to connect to a predetermined communication channel, and the project finance evaluation model. When a web page including a user interface for analyzing cash flows is requested (1100), the server correspondingly includes at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information. Generating (or extracting) a web page including a user interface for inputting (or selecting) estimated financial statement information to be transmitted to the server. In operation 1110, a web page including the generated (or extracted) user interface is transmitted to the terminal through the network means and output.

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the estimated financial statement information registration procedure, whereby the present invention is not limited thereto. No.

Thereafter, the terminal inputs (or selects) estimated financial statement information including at least one or more of the project finance company information, project information, estimated balance sheet information, and estimated income statement information through a user interface included in the web page ( 1115).

If the terminal receives (or selects) estimated financial statement information including the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information (1120), the terminal communicates with the user interface. The project finance company information, the project information, the estimated balance sheet information and the estimated income statement information are transmitted to the server through the channel (1125).

According to an embodiment of the present invention, the terminal may include at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information on the estimated financial statement information at the server. At least one or more of a predetermined password and / or security card information for confirming the validity and / or OTP code generated through a predetermined one time password (OTP) generator for transmitting to the server via the network means It is preferable.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key) including estimated financial statement information including at least one of the project finance company information, project information, estimated balance sheet information, and estimated income statement information. Based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and / or a predetermined digital signature is added to the estimated financial statement information. In addition, it is preferable to transmit to the server through the network means, for this purpose, the terminal has at least one encryption key corresponding to the encryption scheme, and / or a predetermined authentication including at least one encryption key. A certificate, and / or the certificate is a predetermined IC chip (and If provided in the IC card), preferably it provided with a card to verify the certificate provided in the IC chip (or IC card) reader.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key) including estimated financial statement information including at least one of the project finance company information, project information, estimated balance sheet information, and estimated income statement information. Based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / or key exchange based encryption method, etc.) and transmit the same to the server through the network means. For example, the terminal may include at least one encryption key corresponding to the encryption scheme, and / or a predetermined certification certificate including at least one encryption key, and / or the certification certificate may include a predetermined IC chip ( Or an IC card), an authorized certification provided on the IC chip (or IC card) It is equipped with a card reader for identifying a preferred.

Those skilled in the art should understand the technical characteristics of various encryption methods for encrypting the estimated financial statement information and the technical characteristics of attaching a predetermined electronic signature to the estimated financial statement information. Since it will be, a detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information through the communication channel to confirm the validity of the estimated financial statement information (1130).

According to an embodiment of the present invention, the estimated financial statement information may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based encryption method, and / or an electronic envelope based encryption method, and / or a key). When encrypted with an exchange-based encryption scheme, the server converts the encrypted estimated financial statement information into at least one decryption scheme (eg, symmetric key based decryption scheme and / or public key based decryption scheme) corresponding to the encryption scheme. , And / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received estimated financial statement information.

Alternatively, when a predetermined electronic signature is attached to the estimated financial statement information, the server may verify the validity of the received estimated financial statement information by checking the electronic signature attached to the estimated financial statement information. .

Those skilled in the art to which the present invention pertains may include technical features of various decryption methods for decrypting the encrypted estimated financial statement information, and technical features for identifying an electronic signature attached to the estimated financial statement information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

When the estimated financial statement information received through the information receiving unit 1015 according to an embodiment of the present invention further includes a predetermined password for confirming the validity of the estimated financial statement information, the server may determine the estimated financial statement information. It is preferable to authenticate the validity of the received estimated financial statement information by comparing and authenticating the password included in the financial statement information with the password provided corresponding to the project financing company on the DBMS.

Alternatively, when the estimated financial statement information received through the information receiving unit 1015 further includes predetermined security card information for confirming the validity of the estimated financial statement information, the server may include the estimated financial statement information. It is preferable to verify the validity of the received estimated financial statement information by comparing and authenticating the received security card information and the security card information provided corresponding to the project financing company on the DBMS.

Alternatively, when the estimated financial statement information received through the information receiving unit 1015 further includes a predetermined OTP code for checking the validity of the estimated financial statement information, the server is included in the estimated financial statement information. Verifying the validity of the received estimated financial statement information by comparing and authenticating the received OTP code with the OTP code generated based on predetermined OTP generation information provided in correspondence with the project financing company on the DBMS. It is preferable.

According to the implementation method of the present invention, the validity verification of the estimated financial statement information, the project finance borrower code included in the estimated financial statement information is generated through the project finance application system shown in Figure 1, the project finance application It is preferable to include checking whether the project is matched with the registered project finance borrower code by linking with the customer ledger of the company.

If the validity of the estimated financial statement information is not authenticated (1135), the server generates a web page including predetermined information registration error information and transmits the generated web page to the terminal (1140), corresponding to the estimated financial statement information. Do not perform the information registration procedure.

On the other hand, if the validity of the estimated financial statement information is verified (1135), the server includes at least one or more of the project financial company information, the project information, the estimated balance sheet information and the estimated income statement information including the estimated financial statement information. Generates predetermined document content (1145), and generates a predetermined project finance-related electronic document including the document content (1150).

According to an exemplary embodiment of the present invention, the server generates document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the received estimated financial statement information. And a document file including the document content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or MHT. Web document files, etc.) is preferably processed as an electronic document for project finance for cash flow analysis according to the project finance valuation model.

Alternatively, the server generates document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the received estimated financial statement information. After the project financial company information, the project information, the estimated balance sheet information and the estimated income statement information included in the estimated financial statement information are included in a watermarking method, the document content including the watermarking is included. A document file (for example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, or a web document file including an MHT). Project Finance Principles for cash flow analysis according to the project finance valuation model It is preferred to handle electronically.

Alternatively, the server generates document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the received estimated financial statement information, and captures the document content. It is preferable to process an image file including captured image contents (for example, image contents generated by capturing the document contents on a memory) into a project finance related electronic document for cash flow analysis according to the project finance valuation model. Do.

Alternatively, the server generates document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the received estimated financial statement information, and captures the document content. The project financial company information, project information, estimated balance sheet information, and estimated income statement information included in the estimated financial statement information in the captured image content (for example, image content generated by capturing the document content on a memory). After including at least one or more information in a watermarking method, processing an image file including the image content including the watermarking as a project finance-related electronic document for cash flow analysis according to the project finance valuation model. desirable.

According to another exemplary embodiment of the present invention, the server may include document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the received estimated financial statement information. A predetermined document file (eg, a Portable Document Format (PDF) file, or EDI) that includes an image content generated by capturing the document content (eg, image content generated by capturing the document content on a memory). Project data for cash flow analysis according to the project finance valuation model by generating an electronic data interchange file, a word processor file including at least one of HWP / DOC, or a web document file including MHT. It is preferable to process the relevant electronic document.

Alternatively, the server generates document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the received estimated financial statement information, and captures the document content. The project financial company information, project information, estimated balance sheet information, and estimated income statement information included in the estimated financial statement information in the captured image content (for example, image content generated by capturing the document content on a memory). Generate image content including at least one or more information in a watermarking manner, and include a document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing the watermarking image content. ) At least one file, or HWP / DOC, etc. By generating a word processor file, or a web document file including the MHT), it is preferable to process the project finance-related electronic document for cash flow analysis according to the project finance valuation model.

According to another exemplary embodiment of the present invention, the server may include document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the received estimated financial statement information. And a predetermined document file (eg, PDF (Portable) containing image content (eg, image content generated by capturing the document content on a memory) and the estimated financial statement information. A Document Format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including MHT). It is advisable to process the project finance electronic documents for cash flow analysis.

Alternatively, the server generates document content including at least one of the project finance company information, the project information, the estimated balance sheet information, and the estimated income statement information included in the received estimated financial statement information, and captures the document content. The project financial company information, project information, estimated balance sheet information, and estimated income statement information included in the estimated financial statement information in the captured image content (for example, image content generated by capturing the document content on a memory). Generating an image content including at least one or more information by a watermarking method, a document file including the watermarking image content and the estimated financial statement information (eg, a PDF (Portable Document Format) file, Or EDI (Electronic Data Interchange) files, or HWP / DOC By generating at least one word processor file, or a web document file including MHT, etc.), it is preferable to process the project finance-related electronic document for cash flow analysis according to the project finance valuation model.

Those skilled in the art to which the present invention pertains can include technical features that the server generates project finance-related electronic documents in an image file format and / or a predetermined document file format, and correspond to the project finance-related electronic documents. The technical features of the file format for the image file and / or document file to be familiar with, so a detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated project finance related electronic document in a predetermined electronic document storage (1155).

As shown in FIG. 10, the electronic document repository includes a predetermined electronic document server 1065 and an electronic document D / B 1085 associated with a server on the project financial information registration system through predetermined communication means. When provided externally, the server preferably transmits the generated project finance-related electronic document to the electronic document server 1065 through the communication means to store in the electronic document D / B (1085).

Alternatively, when the electronic document storage is provided on a DBMS provided in the project finance information registration system, the server stores the generated project finance related electronic document in an electronic document storage on a DBMS provided in the project finance information registration system. It is possible to store in the electronic document D / B 1085 corresponding to the present invention, thereby not limited.

According to the method of the present invention, storing the project finance-related electronic document in the electronic document storage, the electronic project shown in FIG. It is preferable to include storing in the document D / B 1085.

The electronic document management information may include a predetermined electronic document unique number (or unique information) assigned to the project finance-related electronic document and the electronic document storage date and time information.

The electronic document management information may further include financial institution information that transmits the project finance-related electronic document.

In addition, the electronic document management information may be a predetermined electronic document-related information (for example, a project financial application company information transmitted by inputting (selecting) the estimated financial statement information, and / or a financial institution transmitting the project financial-related electronic document) Information, and / or electronic document file format information, and / or the estimated financial statement information).

If the project finance-related electronic document is stored in the electronic document repository (1160), the server stores the project finance company information, project information, estimated balance sheet information and estimated income statement information included in the estimated financial statement information. In connection with the project finance borrower code registered through the project finance application system shown in FIG. 1, the project finance information is stored in the predetermined project finance information D / B 1050 (1165), and predetermined information registration history information (for example, the electronic Generates (or extracts) the details of storing the project finance-related electronic document in a document repository and / or the details of storing the estimated financial statement information in the project finance information D / B 1050 and transmits them to the terminal. (1170).

According to an embodiment of the present invention, the project finance information D / B 1050 is provided in a DBMS on a finance system provided on the project finance information registration system (or associated with the project finance information registration system). Preferably, the project financial information D / B 1050 may be a ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, thereby The present invention is not limited.

12 is a diagram illustrating a risk factor setting system for analyzing cash flow of project finance according to an embodiment of the present invention.

In more detail, FIG. 12 shows that a project finance employee is provided with a project finance application system shown in FIG. 1 of a risk category corresponding to the project finance for analyzing the cash flow of the project finance company. Identify a risk factor corresponding to the selected project scenario, and include at least one risk item selection information corresponding to the project financing company among the identified risk factor items and risk factor information for each risk factor; If the risk factor setting information is provided, the risk factor item information corresponding to the project finance borrower code and the risk factor item selection information generated through the project finance application system shown in FIG. By linking risk rate information by risk factors, The system configuration is stored in the risk factor information D / B. Those skilled in the art to which the present invention pertains refer to and / or modify this drawing 12 to risk factors for cash flow analysis of project finance. Various implementation methods for the configuration of the setting system may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, based on the risk factor setting information provided from the project finance staff through a predetermined information registration interface on the risk factor setting system shown in FIG. 12, the project finance application system shown in FIG. At least one or more means and / or functional configuration for linking the project finance borrower code, the risk item information corresponding to the risk item selection information, and the risk rate information for each risk item in a predetermined risk information D / B. The corresponding component is referred to as "project finance server 1200" for convenience.

Referring to FIG. 12 in accordance with an implementation method of the present invention, a risk factor setting system for analyzing cash flow of the project finance includes an employee terminal used by a project finance officer provided in a financial institution performing the project finance. And at least one risk factor information corresponding to the project finance server 1200 and each project finance scenario connected to the employee terminal through a predetermined financial network (or a communication network) and the risk factor variable for each risk factor. It characterized in that it comprises a risk factor D / B 1230 to store in association with.

The risk factor information included in the risk factor D / B 1230 includes economic environment items, political / legal risk items, bond holding device items, construction risk items, operating / market risk items, cash flow estimation items, and investor risks. It is preferable to include at least one or more items, structural risk items, etc. The risk factor items are obtained from the financial institution internal data, or from at least one credit rating agency, or obtained from various statistical data, Or at least one or more risk factors obtained from information registered by at least one or more information registrants.

Herein, the economic environment item may include at least one economic variable, and the political / legal risk item may include at least one political risk variable, legal risk variable, and force majeure risk variable. It is preferable that the bond holding device items include at least one right holding variable, guarantee effect variable, cash flow control variable, and contract (Covenants variable), and the construction risk item includes at least one execution risk variable, completion risk variable, and construction company. Preferably, the operation / market risk item includes at least one operation management risk variable, an expected income variable, an alternative reappearance variable, and a procurement risk variable, and the cash flow estimation item is at least One or more cash flows It is preferable to include adequacy variables and stress analysis adequacy variables, and the investor risk item preferably includes at least one capital variable, and the investor credit variable. It is desirable to include a Hedge Protection variable.

The project finance server 1200 provided on the risk factor setting system according to the present invention is a generic term for the risk factor setting system side component connected to the employee terminal through a predetermined financial network (or a communication network). It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to an embodiment of the present invention, the project finance server 1200 is characterized in that it comprises an interface unit 1205 for connecting and managing the employee terminal and a predetermined communication channel through the financial network.

The interface unit 1205 connects a predetermined communication channel with the employee terminal based on the protocol stack defined in the financial network, and uses at least one communication protocol defined in a project finance related program provided in the employee terminal. It is desirable to provide a communication interface for transmitting and receiving the above information (or data).

Referring to FIG. 12, when the project finance server 1200 connects a communication channel with the project finance server 1200 through the interface unit 1205 and requests a predetermined risk factor setting, An interface providing unit for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined risk factor setting information from the employee terminal in connection with the interface unit 1205 and providing it to the employee terminal ( 1210 and an information receiving unit 1215 for receiving predetermined risk setting information to be input (or selected) and transmitted from the employee terminal through the user interface in cooperation with the interface unit 1205, and in FIG. Risk item information corresponding to the generated project finance borrower code and the risk item selection information and risk rate for each risk item Information linked to is characterized in that formed in an information storage section 1220 to store the information D / B given risk factor.

The interface providing unit 1210 connects a communication channel with the project finance server 1200 through the interface unit 1205 and requests a predetermined risk factor setting. From at B1230, at least one or more risk factor information and risk rate variables for each risk factor item associated with the project scenario corresponding to the project financing company are identified, and the risk in response to the functional configuration provided in the employee terminal. Generate an information registration interface including a predetermined user interface capable of inputting (or selecting) element setting information and transmitting it to the project finance server 1200 via the financial network; and / or a predetermined database (not shown). The user interface generated from (or extracted) in conjunction with the interface unit 1205. And an information registering interface, characterized in that provided in the staff terminal through the financial network.

According to an embodiment of the present invention, the information registration interface includes a user interface for selecting at least one risk factor item associated with a project scenario corresponding to the project financing company among at least one risk factor item information, and each risk factor. Preferably, the user interface includes a user interface for selecting at least one risk factor for each risk factor corresponding to the item, and a user interface for inputting risk information corresponding to the risk variable.

According to another embodiment of the present invention, a predetermined project having at least one user interface that inputs (or selects) the risk factor setting information to the employee terminal and transmits the risk factor setting information to the project finance server 1200 through the financial network. When the financial program is provided, the interface providing unit 1210 for providing the information registration interface to the employee terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the employee terminal inputs (or selects) risk setting information including at least one of the risk item selection information and the risk factor information for each risk item based on at least one user interface included in the information registration interface. And transmits the input (or selected) risk factor setting information to the project finance server 1200 through the financial network.

The information receiving unit 1215 inputs (or selects) the risk factor setting information including at least one of the risk factor selection information and the risk factor information for each risk factor item through the information registration interface at the employee terminal. In this case, the risk factor setting information is received in cooperation with the interface unit 1205, and the received risk factor setting information is provided to the information storage unit 1220.

The information storage unit 1220 confirms a project finance borrower code corresponding to the project finance applicant company generated through the project finance application system shown in FIG. 1, and checks the identified project finance borrower code and the received at least. The at least one risk factor selection information and the risk factor information for each risk factor may be stored in a predetermined risk factor information D / B.

The risk factor information included in the risk information D / B includes economic environment items, political / legal risk items, bond holding device items, construction risk items, operation / market risk items, and cash flows corresponding to the project finance applicant. It is preferable to include at least one or more of estimated items, investor risk items, structural risk items, etc., wherein the risk factor items are obtained from internal data of the financial institution, or are obtained from at least one credit rating agency, or various statistics. It is preferred to include at least one or more risk factors obtained from data or from information registered by at least one information registrant.

Herein, the economic environment item may include at least one economic variable, and the political / legal risk item may include at least one political risk variable, legal risk variable, and force majeure risk variable. It is preferable that the bond holding device items include at least one right holding variable, guarantee effect variable, cash flow control variable, and contract (Covenants variable), and the construction risk item includes at least one execution risk variable, completion risk variable, and construction company. Preferably, the operation / market risk item includes at least one operation management risk variable, an expected income variable, an alternative reappearance variable, and a procurement risk variable, and the cash flow estimation item is at least One or more cash flows It is preferable to include adequacy variables and stress analysis adequacy variables, and the investor risk item preferably includes at least one capital variable, and the investor credit variable. It is desirable to include a Hedge Protection variable.

For example, the risk factor included in the risk factor item information may include various variables that affect the cash flow analysis of the project finance, such as inflation rate, interest rate, operating income, and operating cost.

According to the method of the present invention, the risk factor included in the cash flow estimation item among the risk factor items may have a predetermined value input from the employee terminal, but is analyzed through the cash flow analysis system shown in FIG. Based on the cash flow analysis information, it is preferable to automatically include a risk ratio for the appropriateness of the corresponding cash flow analysis information, or the appropriateness of the stress analysis set through the cash flow analysis system of the stress situation shown in FIG.

FIG. 13 is a diagram illustrating a relationship between a risk factor and a risk factor for cash flow analysis of project finance according to an embodiment of the present invention.

In more detail, FIG. 13 illustrates a relationship between at least one risk factor information provided in the risk item D / B 1230 and a risk factor variable for each risk factor, which is common in the art. Those skilled in the art may refer to and / or modify this drawing 13 to infer various implementation methods for the relationship between the risk factor and the risk variable for the cash flow analysis of the project finance. It is made including all implementation methods, the technical features are not limited only to the implementation method shown in FIG.

Referring to FIG. 13, the risk factor information included in the risk factor D / B 1230 includes economic environment items, political / legal risk items, bond holding device items, construction risk items, operation / market risk items, and cash items. It is preferable to include at least one or more of flow estimation items, investment risk items, structural risk items, and the like.

Here, the economic environment item preferably comprises at least one economic variable.

In addition, the political / legal risk item preferably includes at least one political risk variable, at least one legal risk variable, and at least one force majeure risk variable.

In addition, the bond holding device items preferably comprise at least one or more rights protection variables, at least one or more guarantee effect variables, at least one or more cash flow control variables, and at least one or more Covenants variables.

In addition, it is preferable that the construction risk item includes at least one or more execution risk variables, at least one or more completion risk variables, and at least one or more construction variables.

In addition, the operational / market risk item preferably comprises at least one or more operational management risk variables, at least one or more expected income variables, at least one or more alternative reappearance variables, and at least one or more procurement risk variables.

In addition, the cash flow estimation item preferably comprises at least one or more cash flow adequacy variables and at least one stress analysis adequacy parameter.

In addition, the investor risk item preferably comprises at least one capital variable and at least one investor credit variable.

In addition, the structural risk item preferably comprises at least one structural variable and at least one hedge protection variable.

14 is a diagram illustrating a process of setting risk factors for cash flow analysis of project finance according to an embodiment of the present invention.

In detail, FIG. 14 shows a project finance application system shown in FIG. 1 of a risk category corresponding to the project finance for a cash flow analysis of the stress situation. Identify the risk factor corresponding to the selected project scenario through at least one of the identified risk factor items and at least one risk factor selection information corresponding to the project financing company and risk factor information for each risk factor; If the risk factor setting information including the above is provided, the risk factor item information corresponding to the project finance borrower code generated by the project finance application system shown in FIG. 1 and the risk factor item selection information in the risk factor setting system are provided. And prescribed risk information by linking risk information for each risk factor. Regarding the process of storing the risk information in the D / B, those skilled in the art to which the present invention pertains, the project finance server 1200 in the employee terminal by referring to and / or modified in this figure 14 Although various implementation methods for the process of setting a risk factor for cash flow analysis of the project finance may be inferred, the present invention includes all the implementation methods inferred above and is limited to the implementation method shown in FIG. Not.

Hereinafter, in FIG. 14, the employee terminal shown in FIG. 12 is referred to as "terminal" for convenience, and the project finance server 1200 shown in FIG. 12 is referred to as "server" for convenience.

Referring to FIG. 14, an employee terminal shown in FIG. 12 connects a predetermined communication channel for registering the risk setting information by accessing the server through a predetermined financial network and analyzing cash flow of the project finance. When requesting to register the risk setting information for the server (1400), the server from the risk item D / B (1230) at least one or more risk item information associated with the project scenario corresponding to the project financing company Create (or extract) a predetermined information registration interface for identifying the risk factor for each risk factor item and registering the risk setting information (1405), and register the generated (or extracted) information through the communication channel. The interface is transmitted to the terminal and output (1410).

According to an embodiment of the present invention, the information registration interface includes a user interface for selecting at least one risk factor item associated with a project scenario corresponding to the project financing company among at least one risk factor item information, and each risk factor. Preferably, the user interface includes a user interface for selecting at least one risk factor for each risk factor corresponding to the item, and a user interface for inputting risk information corresponding to the risk variable.

Thereafter, the terminal inputs (or selects) risk setting information including at least one or more risk item selection information and risk rate information for each risk item item through the information registration interface (1415).

If the terminal receives (or selects) risk setting information including the risk item selection information and risk rate information for each risk item item through the information registration interface (1420), the terminal transmits the information through the financial network. The risk setting information including the input (or selected) risk item selection information and risk rate information for each risk item is transmitted to the server (1425).

Thereafter, the server checks the project finance borrower code corresponding to the project finance applicant company generated through the project finance application system shown in FIG. 1, and checks the identified project finance borrower code and the received at least one risk. The factor item selection information and the risk factor information for each risk factor item are linked to each other and stored in the predetermined risk factor information D / B (1430).

15 is a diagram illustrating a cash flow analysis system in a general situation for a project finance model according to an embodiment of the present invention.

More specifically, FIG. 15 illustrates an estimated cash flow including at least one project finance company information and cash flow forecast information for each project period provided by a project finance employee corresponding to the project finance model. If the information is provided, the cash flow analysis system generates the cash flow analysis information of the general situation of the project finance model based on the cash flow forecasting information for each project period, and projects the borrower to the project finance information D / B. As a system configuration for storing in association with codes, those of ordinary skill in the art to which the present invention pertains refer to and / or modify this drawing 15 to configure a cash flow analysis system of a general situation for a project finance model. Infer various conduct methods for Number would be, this invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 15.

Hereinafter, the project finance model based on the project period cash flow prediction information included in the estimated cash flow information provided from the project finance staff through a predetermined cash flow analysis interface on the risk factor setting system shown in FIG. 15. A component corresponding to at least one or more means and / or functional configurations for generating cash flow analysis information of a general situation for the project finance information D / B in association with the project finance borrower code and for convenience, is referred to as a "project finance server". (1500) ".

Referring to this figure 15 according to the implementation method of the present invention, the cash flow analysis system of the general situation for the project finance model, including the employee terminal used by the project finance personnel provided in the financial institution that performs the project finance At least one risk factor for the project finance through a project finance server 1500 connected to the employee terminal through a predetermined finance network (or a communication network) and a risk setting system shown in FIG. Risk information D / B for storing item information and risk rate information for each risk factor item, estimated balance sheet information of a project finance company registered through the project finance information registration system shown in FIG. Obtain project financial information D / B that links estimated profit and loss statement information It is characterized by the comparison.

The project finance server 1500 provided on the risk setting system according to the present invention is a generic term for the risk setting system side component connected to the employee terminal through a predetermined financial network (or a communication network). It may be implemented by including the above server (or device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), whereby the present invention is not limited.

According to the implementation method of the present invention, the project finance server 1500 is characterized in that it comprises an interface unit for connecting and managing the employee terminal and a predetermined communication channel through the financial network.

The interface unit connects a predetermined communication channel with the employee terminal based on a protocol stack defined in the financial network, and uses at least one or more information (or a communication protocol defined in a project finance related program included in the employee terminal). It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 15, the project finance server 1500 connects a communication channel with the project finance server 1500 through the interface unit and requests a cash flow analysis of a predetermined general situation. An interface provider 1510 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined estimated cash flow information from the employee terminal in connection with an interface unit, and providing the employee terminal to the employee terminal; Information for receiving estimated cash flow information including at least one project finance company information and cash flow prediction information for each project period which are input (or selected) and transmitted from the employee terminal through the user interface in conjunction with the interface unit. Receiving unit 1515, and based on the received cash flow forecast information for each project period The project finance company by linking project information provided in the project finance information D / B, estimated balance sheet information, estimated profit and loss calculation information, and at least one risk factor information for at least one risk factor provided in the risk information D / B. A cash flow analysis unit 1520 for generating cash flow analysis information of the general situation for the project, and storing the generated cash flow analysis information of the general situation in connection with the project finance borrower code in the project finance information D / B An information storage section is provided.

The interface providing unit 1510 has a function provided in the employee terminal when a predetermined employee terminal connects a communication channel with the project finance server 1500 through the interface unit and requests a cash flow analysis of a predetermined general situation. In response to the configuration, input (or select) estimated cash flow information including at least one of the project finance company information and cash flow prediction information for each project period, and transmit the estimated cash flow information to the project finance server 1500 through the financial network. Create a cash flow analysis interface including a predetermined user interface, and / or extract a cash flow analysis from a predetermined database (not shown), and analyze the cash flow including the generated (or extracted) user interface in conjunction with the interface unit Providing an interface to the employee terminal through the financial network. It is done.

According to an embodiment of the present invention, the cash flow analysis interface transmits at least one or more cash flow prediction information received from the employee terminal to the project finance server 1500 in real time (or periodically or according to occurrence of an information event). Preferably, the cash flow analysis information generated by the cash flow analysis unit 1520 is transmitted to the employee terminal to receive and output in real time (or periodically, or according to occurrence of an information event).

According to another embodiment of the present invention, a predetermined project having at least one user interface for inputting (or selecting) the estimated cash flow information to the employee terminal and transmitting the estimated cash flow information to the project finance server 1500 through the financial network. When the financial program is provided, the interface providing unit 1510 for providing the cash flow analysis interface to the employee terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the employee terminal inputs (or selects) estimated cash flow information including at least one project finance company information and at least one project cash flow forecast information based on at least one user interface included in the cash flow analysis interface. And transmits the input (or selected) estimated cash flow information to the project finance server 1500 through the financial network.

The information receiving unit 1515 inputs (or selects) the estimated cash flow information including at least one of project finance company information and cash flow prediction information for each project period through the cash flow analysis interface in the employee terminal. When transmitting through, in conjunction with the interface unit characterized in that for receiving the estimated cash flow information.

The cash flow analysis unit 1520 may include project information, estimated balance sheet information, estimated profit and loss calculation information, and the risk factor information D included in the project financial information D / B based on the received cash flow forecast information for each project period. Cash flow analysis information of the general situation for the project finance company is generated by linking risk rate information of at least one risk factor item provided in / B.

According to the method of the present invention, if the cash flow analysis unit 1520 includes a sub account of the cash flow information in the received cash flow prediction information, the cash flow analysis unit 1520 is based on the sub account. It is desirable to automatically calculate the parent account.

In addition, the cash flow analysis unit 1520 automatically calculates the cash flows from operating activities of the cash flow analysis information through the cash outflow cost of sales, cash outflows SGD, etc. included in the estimated income statement information, if the value is corrected If desired, the cell is preferably changed to a constant value.

When the cash flow analysis unit 1520 generates the cash flow analysis information of the general situation, the information storage unit is a project finance borrower corresponding to the project finance application company generated through the project finance application system shown in FIG. Checking the code, by linking the identified project finance borrower code and the generated cash flow analysis information of the general situation is characterized in that for storing in the predetermined project finance information D / B.

16 is a diagram illustrating a cash flow analysis process of a general situation for a project finance model according to an embodiment of the present invention.

More specifically, FIG. 16 shows an estimated cash flow including at least one project finance company information and cash flow forecasting information for each project period provided by a project finance employee in response to the project finance model. If the information is provided, the cash flow analysis system generates the cash flow analysis information of the general situation of the project finance model based on the cash flow forecasting information for each project period, and projects the borrower to the project finance information D / B. As it relates to the process of storing in association with the code, those of ordinary skill in the art to which the present invention pertains can refer to and / or modify this drawing 16 to analyze the cash flow of the general situation of the project finance model. To infer various implementation methods However, the present invention includes all the implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 16, the employee terminal shown in FIG. 15 is referred to as "terminal" for convenience, and the project finance server 1500 shown in FIG. 15 is referred to as "server" for convenience.

Referring to FIG. 16, an employee terminal shown in FIG. 15 connects a predetermined communication channel for accessing the server through a predetermined financial network to register the estimated cash flow information, and analyzes the cash flow of the project finance. When requesting to register the estimated cash flow information for (1600), the server from the risk item D / B at least one risk item information and the risk factor associated with the project scenario corresponding to the project financing company Generate (or extract) a predetermined cash flow analysis interface for identifying item-specific risk factors, and register the estimated cash flow information (1605), and generate the cash flow analysis interface (or extracted) through the communication channel; It transmits to the terminal and outputs it (1610).

According to an embodiment of the present invention, the cash flow analysis interface transmits at least one or more cash flow prediction information received from the employee terminal to the project finance server 1500 in real time (or periodically or according to occurrence of an information event). Preferably, the cash flow analysis information generated by the cash flow analysis unit 1520 is transmitted to the employee terminal to receive and output in real time (or periodically, or according to occurrence of an information event).

Thereafter, the terminal inputs (or selects) estimated cash flow information including at least one or more project finance company information and project period cash flow prediction information through the cash flow analysis interface (1615).

If the terminal receives (or selects) estimated cash flow information including the project finance company information and the project period cash flow prediction information through the cash flow analysis interface (1620), the terminal through the financial network The estimated cash flow information including the input (or selected) project finance company information and project period cash flow prediction information is transmitted to the server (1625).

Thereafter, the server may include project information, estimated balance sheet information, and estimated profit and loss calculation information included in the project finance information D / B based on the cash flow forecast information for each project period included in the received estimated cash flow information. In operation 1630, the cash flow analysis information of the general situation for the project finance company is generated by linking the risk rate information of at least one risk factor item included in the risk information D / B.

According to the exemplary embodiment of the present invention, if the server includes the subaccount of the cash flow information in the received cash flow prediction information, the cash flow analysis unit 1520 automatically calculates an upper account based on the sub account. It is desirable to.

In addition, the server automatically calculates the cash flows from the operating activities of the cash flow analysis information through the cash outflow cost, cash outflow SG & A expenses, etc. included in the estimated income statement information, if the value is modified, the cell It is desirable to change to a constant value.

If the cash flow analysis information of the general situation is not generated by receiving the estimated cash flow information (1635), the server provides the cash flow analysis interface to the terminal and receives the estimated cash flow information from the terminal. It is preferable to repeat the process of generating the cash flow analysis telegram of the general situation.

On the other hand, if the cash flow analysis information of the general situation is generated by receiving the estimated cash flow information (1635), the server corresponds to the project finance application company generated through the project finance application system shown in Figure 1 The borrower code is checked, and the identified project finance borrower code is stored in the predetermined project finance information D / B in association with the generated cash flow analysis information of the general situation (1640).

17 is a diagram illustrating a stress setting system for analyzing cash flow of a stress situation according to an embodiment of the present invention.

In more detail, in FIG. 17, an information registrant corresponding to a stress analysis expert among information registrants, which is assigned by a predetermined project finance employee through the information registrant setting system shown in FIG. 4, for analyzing cash flow of the stress situation When the stress setting information set through the risk factor setting system shown in FIG. 12 is provided to the terminal, when the information registrant terminal adds predetermined stress setting information to the stress setting information, the stress setting system provides the stress setting system. In the setting system, the project finance borrower code generated through the project finance application system shown in FIG. 1 and the stress setting information are stored in the predetermined stress information D / B 1740 to store the predetermined stress for the project finance. System to build scenario As a configuration, those skilled in the art to which the present invention pertains can refer to this drawing 17 and / or modified to infer various implementation methods for the configuration of the stress setting system for analyzing the cash flow of the stress situation As will be appreciated, the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, the stress setting information provided from the information registrant terminal corresponding to the stress analysis expert through a predetermined information registration interface on the stress setting system shown in FIG. 17 and generated through the project finance application system shown in FIG. The component corresponding to at least one or more means and / or functional configurations for storing a predetermined stress information D / B 1740 in association with the project finance borrower code to build a predetermined stress scenario in the project finance may be referred to as “project Financial server 1700 ".

Referring to FIG. 17 according to an embodiment of the present invention, the stress setting system for analyzing the cash flow of the stress situation, the staff terminal used by the project finance personnel provided in the financial institution that performs the project financing and the drawing 4 And an information registrant terminal corresponding to a stress analysis expert among the information registrants set through the information registrant setting system shown in FIG. 1, and connected to the employee terminal and the information registrant terminal through a predetermined financial network (or a communication network). An information registrant D / B 1750 for storing information registrant information registered through the project finance server 1700 and the information registrant setting system shown in FIG. 4, and the registration through the risk factor setting system shown in FIG. Characterized in that it comprises a risk factor information D / B (1745).

The project finance server 1700 provided on the stress setting system according to the present invention is a generic term for the stress setting system side components connected to the employee terminal through a predetermined financial network (or a communication network), and includes at least one server. (Or a device), and / or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, the project finance server 1700 is characterized in that it comprises an interface unit 1705 for connecting and managing the employee terminal and a predetermined communication channel through the financial network.

The interface unit 1705 connects a predetermined communication channel with the employee terminal based on the protocol stack defined in the financial network, and uses at least one communication protocol defined in a project finance related program provided in the employee terminal. It is desirable to provide a communication interface for transmitting and receiving the above information (or data).

Referring to FIG. 17, the project finance server 1700 connects a communication channel with the project finance server 1700 through the interface unit 1705 and requests a predetermined stress setting. An interface providing unit 1710 that generates (or extracts) a predetermined user interface for inputting (or selecting) and transmitting predetermined stress setting request information from the employee terminal in cooperation with the interface unit 1705 and providing the same to the employee terminal. And an information receiving unit 1715 receiving predetermined (or selected) stress setting request information transmitted from the employee terminal through the user interface in association with the interface unit 1705, and shown in FIG. In conjunction with the registered risk information D / B (1745) through the established risk setting system, Information registrant information corresponding to the stress analysis expert in association with an information registrant D / B 1750 for confirming risk factor setting information and storing information registrant information registered through the information registrant setting system shown in FIG. An information confirming unit 1720 for confirming the information, an information transmitting unit 1725 for transmitting the identified risk factor setting information to the information registrant terminal through a predetermined communication network, and the risk factor setting information from the information registrant terminal. Information stored in a predetermined stress information D / B 1740 by linking the stress setting information receiving unit 1730 to receive corresponding stress setting information with the project finance borrower code generated in FIG. 1 and the stress setting information. It is characterized by comprising a storage unit 1735.

The interface providing unit 1710 connects a communication channel with the project finance server 1700 through the interface unit 1705 and requests a predetermined stress setting, and is provided to the employee terminal. In response to the configuration, create (or select) the information registration interface including a predetermined user interface for inputting (or selecting) the stress setting request information to the project finance server 1700 through the financial network, and / or Extract from a database (not shown), and provide an information registration interface including the generated (or extracted) user interface in association with the interface unit 1705 to the employee terminal through the financial network. .

According to an embodiment of the present invention, the information registration interface is a project finance borrower for selecting the risk factor setting information corresponding to the project financing company from the risk factor setting information provided in the risk factor information D / B (1745) And a user interface for inputting a code and a user interface for inputting (or selecting) a predetermined stress analysis expert corresponding to the project financing company.

According to another embodiment of the present invention, a predetermined project having at least one user interface for inputting (or selecting) the stress setting request information to the employee terminal and transmitting the stress setting request information to the project finance server 1700 through the financial network. When a financial program is provided, the interface providing unit 1710 for providing the information registration interface to the employee terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the employee terminal includes at least one project finance borrower code corresponding to the project finance applicant company and stress analysis expert information for the project finance applicant company based on at least one user interface included in the information registration interface. The stress setting request information is input (or selected), and the input (or selected) stress setting request information is transmitted to the project finance server 1700 through the financial network.

The information receiving unit 1715 receives a stress setting request including at least one project finance borrower code corresponding to the project finance applying company and stress analysis expert information for the project finance applying company through the information registration interface at the employee terminal. When the information is input (or selected) and transmitted through the financial network, the stress setting request information is received in association with the interface unit 1705. The received stress setting request information is received by the information checking unit. Provided by (1720).

When the stress setting request information is received through the information receiving unit 1715, the information checking unit 1720 is based on the project finance borrower code corresponding to the project finance applying company included in the stress setting request information. Checking the risk setting information corresponding to at least one stress setting target associated with the project finance borrower code in connection with the risk information D / B (1745) registered through the risk setting system shown in do.

According to another exemplary embodiment of the present invention, the information checking unit 1720 may check only the risk factor information and the risk factor variable corresponding to the project finance borrower code, instead of the risk factor setting information. This is not limited.

In addition, the information checking unit 1720 is configured to register the information registrant information registered through the information registrant setting system shown in Figure 4 based on the stress analysis expert information for the project financing company included in the stress setting request information The information registrant information corresponding to the stress analysis expert is identified in connection with the information registrant D / B 1750 to store.

When at least one risk factor setting information corresponding to the stress setting target of the project finance applying company and information registrant information corresponding to the stress analysis expert for the project finance applying company is confirmed, the information transmission unit 1725 determines The identified risk factor setting information is transmitted to the information registrant terminal through a communication network.

Thereafter, the information registrant terminal checks at least one risk factor that can be set stress for the project financing company of each risk factor included in the risk factor setting information, and included in the identified risk factor The predetermined stress setting information is generated by applying a stress situation to at least one risk variable for each risk factor item.

In this case, the application of the stress situation to the risk factor for each risk factor item includes changing the variable value preset for the risk factor for each risk factor item to a larger or smaller value according to the stress situation.

For example, the stress setting information includes a large change or a small change in risk factors such as inflation rate, interest rate, operating income, operating cost, etc. among the risk factors included in the risk factor information.

Thereafter, the information registrant terminal transmits the generated stress setting information to the project finance server 1700 through the communication network. The stress setting information receiving unit 1730 receives the stress setting information from the information registrant terminal. The information storage unit 1735 confirms the project finance borrower code corresponding to the project finance applicant company generated through the project finance application system shown in FIG. And the received stress setting information in association with the predetermined stress information stored in the D / B (1740).

18 is a diagram illustrating a stress setting process for analyzing cash flow of a stress situation according to an embodiment of the present invention.

In more detail, FIG. 18 shows an information registrant corresponding to a stress analysis expert among information registrants who have a predetermined project finance staff set up through the information registrant setting system shown in FIG. 4 for analyzing cash flow of the stress situation. When the stress setting information set through the risk factor setting system shown in FIG. 12 is provided to the terminal, when the information registrant terminal adds predetermined stress setting information to the stress setting information, the stress setting system provides the stress setting system. The present invention relates to a process of linking the project finance borrower code and the stress setting information generated through the project finance application system shown in FIG. 1 to a predetermined stress information D / B 1740 in a setting system. Having common knowledge in the technical field If one grows up, it is possible to infer various implementation methods for the process of setting stress for analyzing cash flow of the stress situation by referring to and / or modifying the drawing 18, but the present invention includes all the implementation methods inferred. The present invention is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 18, the information registrant terminal shown in FIG. 17 is referred to as "terminal" for convenience, and the project finance server 1700 shown in FIG. 17 is referred to as "server" for convenience.

Referring to FIG. 18, an employee terminal shown in FIG. 17 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the stress setting information, and analyzes the cash flow of the stress situation. When requesting the stress setting for (1800), the server generates (or extracts) a predetermined information registration interface for registering the stress setting information (1805), and the generated (or extracted) through the communication channel. The information registration interface is transmitted to the terminal and output (1810).

According to an embodiment of the present invention, the information registration interface is a project finance borrower for selecting the risk factor setting information corresponding to the project financing company from the risk factor setting information provided in the risk factor information D / B (1745) And a user interface for inputting a code and a user interface for inputting (or selecting) a predetermined stress analysis expert corresponding to the project financing company.

Thereafter, the terminal inputs (or selects) stress setting request information including a project finance borrower code corresponding to the project finance applying company and stress analysis expert information on the project finance applying company through the information registration interface (1815). ).

If the terminal receives (or selects) the stress setting request information including the project finance borrower code corresponding to the project finance applying company and the stress analysis expert information for the project finance applying company through the information registration interface (1820) In operation 1825, the terminal transmits the input (or selected) stress setting request information to the server through the financial network.

Subsequently, the server registers the risk factor information D / B (registered through the risk factor setting system shown in FIG. 12) based on the project finance borrower code corresponding to the project finance requesting company included in the received stress setting request information. In operation 1830, the risk factor setting information corresponding to the at least one stress setting target associated with the project finance borrower code is identified in connection with the project finance borrower code.

According to another exemplary embodiment of the present invention, the server may check only risk factor information and risk factor variables corresponding to the project finance borrower code, instead of the risk factor setting information, and thus the present invention is not limited thereto.

In addition, the server information registrant D for storing the information registrant information registered through the information registrant setting system shown in Figure 4 based on the stress analysis expert information for the project financing applied company included in the stress setting request information In operation 1835, the information registrant information corresponding to the stress analysis expert is identified in connection with / B 1750.

Thereafter, the server transmits the identified risk factor setting information to a terminal corresponding to the identified information registrant through a predetermined communication network (1840), and correspondingly, the terminal transmits each risk included in the risk factor setting information. Identify at least one or more risk factors that can set stress on the project financing company among the factor items, and apply a stress situation to at least one risk factor variable for each of the at least one risk factor included in the identified risk factor item. Generates stress setting information (1845).

In this case, the application of the stress situation to the risk factor for each risk factor item includes changing the variable value preset for the risk factor for each risk factor item to a larger or smaller value according to the stress situation.

If the stress setting information is generated (1850), the terminal transmits the generated stress setting information to the project finance server (1700) (1855) through the communication network, and correspondingly the server in Figure 1 The project finance borrower code corresponding to the project finance applicant company generated through the illustrated project finance application system is identified, and predetermined stress information D / B is linked by linking the identified project finance borrower code and the received stress setting information. Stored at 1740 (1860).

19 is a diagram illustrating a cash flow analysis system of a stress situation for a project finance model according to an embodiment of the present invention.

In more detail, FIG. 19 illustrates that at least one or more pieces of stress setting information (or information) provided in the stress information D / B 1940 on the stress setting system illustrated in FIG. 17 correspond to the project finance model. When the stress selection information matching the predetermined stress setting information of the stress scenario) is provided, the cash flow analysis of the stress situation for the project finance model based on the stress setting information corresponding to the stress selection information in the cash flow analysis system Generating information, calculating at least one valuation index information of the project finance based on the cash flow analysis information, and then linking the cash flow analysis information and valuation index information of the stress situation with the project finance borrower code. Project Finance Information D / As a system configuration for storing in B (1935), those of ordinary skill in the art to which the present invention belongs, the cash flow analysis system of the stress situation for the project financial model by referring to and / or modifying this drawing 19 Various implementation methods for the configuration may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Hereinafter, based on predetermined stress setting information (or stress scenario) that matches the stress selection information provided from the project finance staff through a predetermined cash flow analysis interface on the cash flow analysis system of the stress situation shown in FIG. 19. Generate cash flow analysis information of the stress situation for the project finance model, calculate at least one or more evaluation index information on the project finance based on the cash flow analysis information, and then analyze cash flow analysis information of the stress situation. And a component corresponding to at least one or more means and / or functional configurations for storing the evaluation index information in association with the project finance borrower code in the project finance information D / B 1935 for the sake of convenience. It is called.

Referring to FIG. 19 according to the implementation method of the present invention, the cash flow analysis system of the stress situation for the project finance model includes an employee terminal used by a person in charge of a project finance provided in a financial institution performing the project finance. At least one of the project finance server 1900 connected to the employee terminal through a predetermined financial network (or a communication network) and a stress condition for the project finance applied through the stress setting system shown in FIG. 17. The stress information D / B 1940 for storing the above risk factor information and the risk factor information for each risk factor item and the project finance company registered through the project finance information registration system shown in FIG. 6 or FIG. 10. By linking the estimated balance sheet information and the estimated income statement information, Provided with a project financial information D / B (1935), which is characterized in that formed.

The project finance server 1900 provided on the cash flow analysis system of the stress situation according to the present invention is a cash flow analysis system side component of the stress situation connected to the employee terminal through a predetermined financial network (or a communication network). Collectively, may be implemented by including at least one server (or device), and / or by at least one program recorded on a recording medium provided in a predetermined server (or device), whereby the present invention This is not limited.

According to an embodiment of the present invention, the project finance server 1900 is characterized in that it comprises an interface unit 1905 for connecting and managing the employee terminal and a predetermined communication channel through the financial network.

The interface unit 1905 connects a predetermined communication channel with the employee terminal based on the protocol stack defined in the financial network, and uses at least one communication protocol defined in a project finance related program provided in the employee terminal. It is desirable to provide a communication interface for transmitting and receiving the above information (or data).

Referring to FIG. 19, the project finance server 1900 connects a communication channel with the project finance server 1900 through a predetermined employee terminal through the interface unit 1905 and analyzes cash flows of a predetermined general situation. Upon request, an interface agent for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined stress selection information from the employee terminal in cooperation with the interface unit 1905 is provided to the employee terminal. And predetermined stress setting information provided in the stress information D / B 1940 which is inputted (or selected) and transmitted from the employee terminal through the user interface in connection with the study 1910 and the interface unit 1905. An information receiver 1215 that receives matching stress selection information, and the cash flow prediction information for each project period based on the received project period; By linking the project information provided in the project financial information D / B 1935, the estimated balance sheet information, the estimated profit and loss calculation information, and the risk ratio information for at least one risk factor item provided in the stress information D / B 1940, A cash flow analysis unit 1920 for generating cash flow analysis information of a stress situation for a project finance company, and the project finance information D / B by linking the generated cash flow analysis information with the project finance borrower code. And an information storage unit 1230 stored in 1935.

The interface providing unit 1910 connects a communication channel with the project finance server 1900 through the interface unit 1905 and requests a cash flow analysis of a predetermined general situation. The project finance server 1900 through the financial network by inputting (or selecting) stress selection information matching the predetermined stress setting information provided in the stress information D / B 1940 in response to the functional configuration provided in the system. Create a cash flow analysis interface including a predetermined user interface that can be transmitted to the user, and / or extract from a predetermined database (not shown), and the generated (or extracted) user in conjunction with the interface unit 1905 A cash flow analysis interface including an interface may be provided to the employee terminal through the financial network.

According to an embodiment of the present invention, the cash flow analysis interface transmits at least one or more cash flow prediction information received from the employee terminal to the project finance server 1900 in real time (or periodically or according to occurrence of an information event). In addition, it is preferable to transmit the cash flow analysis information of the stress situation generated by the cash flow analysis unit 1920 to the employee terminal to receive and output in real time (or periodically, or according to occurrence of an information event).

According to another embodiment of the present invention, a predetermined project finance having at least one user interface for inputting (or selecting) the stress selection information to the employee terminal and transmitting the stress selection information to the project finance server 1900 through the finance network. When the related program is provided, the interface providing unit 1910 for providing the cash flow analysis interface to the employee terminal may be omitted, and the present invention is not limited thereto.

Thereafter, the employee terminal inputs (or selects) stress selection information that matches predetermined stress setting information included in the stress information D / B 1940 based on at least one user interface included in the cash flow analysis interface. And transmits the input (or selected) stress selection information to the project finance server 1900 through the financial network.

The information receiving unit 1215 inputs (or selects) stress selection information matching the predetermined stress setting information included in the stress information D / B 1940 through the cash flow analysis interface at the employee terminal. When transmitting through a network, it is characterized in that for receiving the stress selection information in conjunction with the interface unit 1905.

The cash flow analysis unit 1920 includes project information, estimated balance sheet information, estimated profit and loss calculation information, and the stress provided in the project financial information D / B 1935 based on the received cash flow prediction information for each project period. It is characterized by generating the cash flow analysis information of the stress situation for the project finance company by linking at least one risk factor information for each risk factor provided in the information D / B (1940).

According to the implementation method of the present invention, the cash flow analysis unit 1920 reflects each account value adjusted to a constant price by reflecting the inflation rate of the stress situation included in the stress setting information using the inflation rate of the stress situation. It is desirable to readjust to price (eg, research costs * inflation levels in general situations * inflation levels in stress situations).

In addition, the cash flow analysis unit 1920 readjusts the interest expense of the stress situation included in the stress setting information (for example, the interest cost of the estimated financial statement information * (the interest rate of the general situation + the stress variable * increase) / general situation Interest rate).

In addition, the cash flow analysis unit 1920 preferably readjusts the profits of the stress situation included in the stress setting information (for example, operating profit * (1 + stress variable * increase in change amount)).

In addition, the cash flow analysis unit 1920 preferably adjusts the cost of the stress situation included in the stress setting information (for example, labor cost * (1 + stress variable * change amount increase)).

In addition, the cash flow analysis unit 1920 confirms the cash flow of the stress situation in consideration of the liquidity agreement (for example, the end-term liquidity commitment = basic liquidity commitment + current increase, short-term decrease, or liquidity commitment support amount = Min (current inflow and outflow) , Contract limit), or cash flow increase after liquidity commitment support = estimated cash flow + liquidity commitment support amount.

In addition, the cash flow analysis unit 1920 recalculates the corporate tax in the stress situation and reflects the stressed cash flow (for example, tax base = pre-tax profit + tax adjustment-deductible carry-over loss, or non-payment tax = tax base * Corporate tax rate), and the unpaid corporate tax in the current year is preferably calculated as the amount of corporate tax payment for the next year.

When the cash flow analysis information of the stress situation is generated by the cash flow analysis unit 1920, the evaluation index calculation unit 1925 is predetermined based on the cash flow analysis information of the general situation and the cash flow analysis information of the stress situation. Project financial valuation index information of the generation, characterized in that used as a judgment data for evaluating the project finance.

According to the implementation method of the present invention, the evaluation index calculation unit 1925 is based on the cash flow analysis information of the stress situation Debt Service Coverage Ratio (DSCR), loan principal repayment coefficient during the project period (Project Life Coverage Ratio (PLCR), Loan Life Coverage Ratio (LLCR), Internal Rate of Return (IRR), Net Present Value (NPV), Return on Equity It is preferable to calculate at least one of Equity;

Here, the Debt Service Coverage Ratio (DSCR) may be calculated as "(Basic Cash + Cash Increase + Interest Cost + Borrowing Payment) / (Interest Cost + Borrowing Payment)" and the like.

In addition, the project life coverage ratio (PLCR) during the project period is preferably calculated as "net present value of cash flows / credit balance remaining during the project period".

In addition, the Loan Life Coverage Ratio (LLCR) during the loan period is preferably calculated as "net present value of the cash flow up to the end date of the loan / credit balance".

Those skilled in the art to which the present invention pertains can easily infer a formula for calculating other evaluation indicators in addition to the evaluation indicators, and thus a detailed description thereof will be omitted.

The information storage unit 1230 checks a project finance borrower code corresponding to the project finance applicant company generated through the project finance application system shown in FIG. 1, and checks the identified project finance borrower code and the generated stress. The cash flow analysis information of the situation and the valuation index information may be stored in the predetermined project financial information D / B 1935.

20 is a diagram illustrating a cash flow analysis process of a stress situation for a project finance model according to an embodiment of the present invention.

In more detail, in FIG. 20, at least one or more pieces of stress setting information included in the stress information D / B 1940 on the stress setting system illustrated in FIG. 17 may correspond to the project finance model. When the stress selection information matching the predetermined stress setting information of the stress scenario) is provided, the cash flow analysis of the stress situation for the project finance model based on the stress setting information corresponding to the stress selection information in the cash flow analysis system Generating information, calculating at least one valuation index information of the project finance based on the cash flow analysis information, and then linking the cash flow analysis information and valuation index information of the stress situation with the project finance borrower code. Project Finance Information D / The process of storing in B (1935), and those skilled in the art to which the present invention pertains, the process of analyzing the cash flow of the stress situation for the project finance model by referring to and / or modifying the drawing 20. Various implementation methods may be inferred, but the present invention includes all implementation methods inferred from the above, and is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 20, the employee terminal shown in FIG. 19 is referred to as "terminal" for convenience, and the project finance server 1900 shown in FIG. 19 is referred to as "server" for convenience.

Referring to FIG. 20, an employee terminal shown in FIG. 19 connects to a server through a predetermined financial network, connects a predetermined communication channel for registering the stress selection information, and analyzes the cash flow analysis of the project finance. When requesting the registration of the stress selection information for the server (2000), the server provides at least one risk factor information and at least one risk factor information associated with a project scenario corresponding to the project financing company from the risk factor item D / B. Generating (or extracting) a predetermined cash flow analysis interface for identifying a risk factor, registering the stress selection information (2005), and generating the generated (or extracted) cash flow analysis interface through the communication channel. It is sent to the output (2010).

According to an embodiment of the present invention, the cash flow analysis interface transmits at least one or more cash flow prediction information received from the employee terminal to the project finance server 1900 in real time (or periodically or according to occurrence of an information event). In addition, it is preferable to transmit the cash flow analysis information of the stress situation generated by the cash flow analysis unit 1920 to the employee terminal to receive and output in real time (or periodically, or according to occurrence of an information event).

Thereafter, the terminal inputs (or selects) stress selection information matching the predetermined stress setting information included in the stress information D / B 1940 through the cash flow analysis interface (2015).

If the terminal selects (or selects) stress selection information matching the predetermined stress setting information included in the stress information D / B 1940 through the cash flow analysis interface (2020), the terminal receives the financial information. The input (or selected) stress selection information is transmitted to the server through a network (2025).

Thereafter, the server matches the cash flow prediction information for each project period, project information, estimated balance sheet information, estimated profit and loss calculation information, and the stress selection information included in the project financial information D / B 1935. In operation 2030, the cash flow analysis information of the stress situation for the project finance company is generated by linking at least one risk factor information for each risk factor corresponding to the stress situation provided in the stress information D / B 1940.

According to the implementation method of the present invention, the server adjusts each account value adjusted to the constant price by reflecting the inflation rate of the stress situation included in the stress setting information to the current price using the inflation rate of the stress situation (eg, Research costs * Inflation level in general situations * Inflation level in stress situations).

The server may readjust the interest cost of the stress situation included in the stress setting information (for example, the interest cost of the estimated financial statement information * (the interest rate of the general situation + the stress variable * the increase) / the interest rate of the general situation). Do.

In addition, it is preferable that the server readjusts the profit of the stress situation included in the stress setting information (for example, operating profit * (1 + stress variable * change amount increase)).

In addition, the server preferably readjusts the cost of the stress situation included in the stress setting information (eg, labor cost * (1 + stress variable * change amount increase)).

In addition, the server checks the cash flow of the stress situation in consideration of the liquidity agreement (for example, end-term liquidity contract = basic liquidity contract + current increase, short-term decrease, or liquidity contract support amount = Min (current inflow and outflow, contract limit), or It is desirable to increase or decrease cash flow after estimated liquidity agreement support (estimated cash flow + amount of liquidity agreement support).

In addition, the server recalculates the corporate tax in the stress situation and reflects it in the stressed cash flows (for example, tax base = pre-tax profit + tax adjustment-deductible carry-over loss, or non-payment tax = tax base * corporate tax rate). Preferably, unpaid corporate tax in the current year is preferably calculated as the amount of corporate tax payment for the next year.

If the cash flow analysis information of the stress situation is not generated by receiving the stress selection information (2035), the server provides the cash flow analysis interface to the terminal, and receives the stress selection information from the terminal and the stress It is desirable to repeat the process of generating a cash flow analysis telegram of the situation.

On the other hand, if the cash flow analysis information of the stress situation is generated by receiving the stress selection information (2035), the server calculates at least one evaluation index information based on the cash flow analysis information of the stress situation (2040).

According to the implementation method of the present invention, the server is based on the cash flow analysis information of the stress situation Debt Service Coverage Ratio (DSCR), Project Life Coverage Ratio (PLCR) during the project period, Loan Life Coverage Ratio (LLCR), Internal Rate of Return (IRR), Net Present Value (NPV), Return on Equity (ROE) It is preferable to calculate at least one or more.

Here, the Debt Service Coverage Ratio (DSCR) may be calculated as "(Basic Cash + Cash Increase + Interest Cost + Borrowing Payment) / (Interest Cost + Borrowing Payment)" and the like.

In addition, the project life coverage ratio (PLCR) during the project period is preferably calculated as "net present value of cash flows / credit balance remaining during the project period".

In addition, the Loan Life Coverage Ratio (LLCR) during the loan period is preferably calculated as "net present value of the cash flow up to the end date of the loan / credit balance".

Those skilled in the art to which the present invention pertains can easily infer a formula for calculating other evaluation indicators in addition to the evaluation indicators, and thus a detailed description thereof will be omitted.

Thereafter, the server checks the project finance borrower code corresponding to the project finance applicant company generated through the project finance application system shown in FIG. 1, and checks the identified project finance borrower code and the generated stress situation cash. The flow analysis information and the evaluation index information are stored in the predetermined project finance information D / B 1935 (2045).

According to the present invention, in project finance, such as social overhead capital projects, various information, documents and evaluation methods that each project participant should submit to the financial institution according to at least one project scenario for analyzing the cash flow of the project. There is an advantage of building a project finance valuation model, and effectively analyzing cash flows for the project finance based on at least one risk factor item according to the project finance valuation model.

According to the present invention, in project financing such as social overhead capital project, there is an advantage of effectively analyzing cash flows for various stress situations predicted during the project period according to a predetermined stress scenario corresponding to the risk factor item.

1 is a diagram illustrating a project finance application system for building a project finance evaluation model according to an embodiment of the present invention.

2 is a diagram illustrating a project finance borrower code structure registered in the ledger D / B provided in the DBMS on the financial system in order to build a project finance evaluation model according to an embodiment of the present invention.

3 is a diagram illustrating a process of registering project finance information for constructing a project finance valuation model according to an embodiment of the present invention.

4 is a diagram illustrating an information registrant setting system for constructing a project finance evaluation model according to an embodiment of the present invention.

5 is a diagram illustrating a process of setting an information registrant for building a project valuation model according to an embodiment of the present invention.

6 is a diagram illustrating a system for registering project finance information for analyzing cash flows according to a project finance valuation model according to one embodiment of the present invention.

7A and 7B illustrate a process of registering estimated financial statement information according to an exemplary embodiment of the present invention.

8A and 8B illustrate a process of registering estimated financial statement information according to another exemplary embodiment of the present invention.

9A and 9B illustrate a process of registering estimated financial statement information according to another exemplary embodiment of the present invention.

10 is a diagram illustrating a project financial information registration system for analyzing cash flows according to a project finance valuation model according to another embodiment of the present invention.

11A and 11B illustrate a process of registering estimated financial statement information for cash flow analysis according to a project finance valuation model according to an exemplary embodiment of the present invention.

12 is a diagram illustrating a risk factor setting system for analyzing cash flow of project finance according to an embodiment of the present invention.

FIG. 13 is a diagram illustrating a relationship between a risk factor and a risk factor for cash flow analysis of project finance according to an embodiment of the present invention.

14 is a diagram illustrating a process of setting a risk factor for cash flow analysis of project finance according to an embodiment of the present invention.

15 is a diagram illustrating a cash flow analysis system in a general situation for a project finance model according to an embodiment of the present invention.

16 is a diagram illustrating a cash flow analysis process of a general situation for a project finance model according to an embodiment of the present invention.

17 is a diagram illustrating a stress setting system for analyzing cash flow of a stress situation according to an embodiment of the present invention.

18 is a diagram illustrating a stress setting process for analyzing cash flow of a stress situation according to an embodiment of the present invention.

19 is a diagram illustrating a cash flow analysis system of a stress situation for a project finance model according to an embodiment of the present invention.

20 is a diagram illustrating a cash flow analysis process of the stress situation for the project finance model according to the embodiment of the present invention.

<Description of main parts of drawing>

100: project finance server 105: interface unit

110: interface providing unit 115: information receiving unit

120: validation unit 125: code generation unit

130: Project Financing Code Register 135: Information Confirmation Department

140: information storage unit 145: project scenario D / B

150: Project finance registration information D / B 155: Financial system

Claims (4)

When applying for project finance for at least one project including social overhead capital projects in one or more companies, the Borrower Code is registered to generate a Project Finance Borrower Code to separately manage the Project Finance and register it in connection with the Customer Ledger of the Enterprise. Way; If the enterprise provides project information corresponding to the social overhead capital project, estimated balance sheet information and estimated income statement information during the project period, the project finance borrower code, the project information, estimated balance sheet information and estimated income statement information Information storage means for storing in a storage medium in association with; And When the company transmits the estimated cash flow information for the project period, the project financial information is linked to the project finance based on the estimated cash flow information for the project finance borrower code and basic risk factor information for the project in association with the storage medium. Characterized in that it comprises a; cash flow analysis means for analyzing the cash flow of the general situation for, The cash flow analysis means, When stress information according to a stress scenario is set in at least one risk factor among the basic risk factor information, the project finance borrower code is linked with the storage medium to the project finance based on the estimated cash flow information and the stress information. Project finance valuation system characterized by analyzing the cash flow of the stress situation. According to claim 1, The risk information, Economic environmental risk information, including at least one economic variable; Political / legal risk information including at least one political risk variable, at least one legal risk variable, at least one force majeure risk variable, Bond holding device risk information, including at least one or more rights protection variables, at least one warranty effect variable, at least one cash flow control variable, at least one or more Covenants variables, Construction risk risk information, including at least one implementation risk variable, at least one completion risk variable, at least one construction variable, Operational / market risk risk information, including at least one or more operational risk variables, at least one or more estimated income variables, at least one or more alternative reappearance variables, or at least one or more procurement risk variables, Cash flow estimation risk information, including at least one cash flow adequacy variable, at least one stress analysis adequacy variable, Investor risk risk information, including at least one capital variable, at least one equity credit variable, Project financial evaluation system comprising at least one or more structural risk risk information including at least one or more time structure variables, at least one or more hedge protection variables. When applying for project finance for at least one project including social overhead capital projects in one or more companies, the borrower code registration means generates a project finance borrower code for separately managing the project finance and connects it with the customer ledger of the company. Registering; When the enterprise provides project information corresponding to the social overhead capital project, estimated balance sheet information and estimated income statement information during the project period, the information storage means includes the project finance borrower code, the project information, the estimated balance sheet information, Storing the estimated income statement information in association with the storage medium; And When the company transmits the estimated cash flow information for the project period, the cash flow analysis means, based on the estimated cash flow information for the project finance borrower code and the basic risk factor information for the project in association with the storage medium. Analyzing the cash flow of the general situation for the project finance; And When the stress information according to the stress scenario is set in at least one risk factor of the basic risk factor information, the cash flow analysis means based on the estimated cash flow information and the stress information for the project finance borrower code in conjunction with the storage medium Analyzing the cash flow of the stress situation for the project financing; Project finance evaluation method comprising the. A recording medium comprising a program for executing the method of claim 3.