KR100948231B1 - System for managing profit and loss of loan and thereof method - Google Patents

Abstract

PURPOSE: A system for managing the profits of a loan product and a method thereof are provided to match a loan interest rate with a target business profit rate after calculating the target business profit rate, thereby guaranteeing loan profitability. CONSTITUTION: A basic loan information generator(410) generates basic loan information of a loan product. A cash flow generator(420) generates a cash flow from the basic loan information. A business profit generator(430) produces a business profit rate. A profitability analyzer(440) analyzes the profitability of the loan product.

Description

Loan product profit and loss management system and method thereof

The present invention relates to a loan product profit and loss management system and method, and more particularly, to provide loans and loans to the lenders and customers by analyzing the profitability of the loan products reflecting the prepayment rate and the maturity loss rate. It relates to a product profit and loss management system and method thereof.

As the economic environment has improved drastically, financial companies such as banks are getting bigger and bigger, and the number of loan products provided by each financial company is also increasing. Therefore, each financial company wants to get high profits by selling their loan products to more customers.

Sales of loan products (handling value) are lower when the loan interest rate is high and increase when the loan interest rate is low, so each financial institution tries to increase loan sales by lowering the loan interest rate.

As such, if the interest rate is unconditionally lowered to increase the loan sales, the profitability of the loan product cannot be guaranteed, so financial companies have analyzed the profitability of the loan product using market interest rates and past experience.

However, in the past, the profitability of the loan product was simply analyzed using market interest rates and past experience, and thus the profitability analysis was not accurate because the maturity loss ratio (MEL ) and the prepayment rate were not considered at all.

Thus, in the related art, when the market interest rate increases, the loan interest rate increases, so that the loan profit is reduced and the customer who needs the loan has to receive a loan at a high loan rate.

It is an object of the present invention to provide a profit and loss management system for loan products for providing optimal profitability to customers and loan providers by calculating reasonable profitability reflecting the maturity loss rate and the mid-term repayment rate for each loan case.

In addition, another object of the present invention is to provide a profit and loss management method for providing loan products to provide the optimum profitability to the customer and the loan provider by calculating the rational profitability reflecting the maturity loss rate and the repayment rate of each loan case.

Loan product profit and loss management method according to the present invention for achieving the above object, the process of generating the loan basic information of the loan product, the process of generating a cash flow using the loan basic information, the prepayment rate and bad debt Calculating a target OP margin by reflecting the expense ratio, calculating a current OP margin reflecting the prepayment rate and the credit cost ratio at the time of the loan request, and comparing the target OP margin with the current OP margin when a loan request occurs It characterized in that it comprises a process of analyzing the profitability of the loan product.

In addition, the process of analyzing the profitability of the loan product, if the current OP margin is lower than the target OP margin, characterized in that the current OP margin is greater than the target OP margin by adjusting the loan variable of the loan product. do.

The process of analyzing the profitability of the loan product may include lowering the loan interest rate of the loan product so that the current OP margin is set to the target OP margin level when the current OP margin is higher than the target OP margin. It is characterized by.

In addition, the process of generating the cash flow, it is characterized by generating the balance for each loan period by calculating the current month balance by subtracting the loan base principal from the previous month balance.

The calculating of the target OP margin may include: generating a cash flow reflecting the cash flow by subtracting the cash flow from the balance of each loan period, and reflecting the loss by reflecting the maturity loss rate in the cash flow reflected on the cash flow. And generating a cash flow, and calculating the target OP margin using the mid-refund cash flow and the loss-reflected cash flow.

The process of generating the loss reflecting cash flow may include calculating a loss reflecting principal by subtracting the basic principal and the delinquency ratio from the basic principal of the loan product, and reflecting the loss in the balance of each loan period. Calculating a loss reflecting balance by subtracting principal and calculating a flat balance using the loss reflecting balance; calculating a loss reflecting interest income using the loss reflecting balance, cumulative loss, loan interest rate and recovery rate; Calculating the operating cost ratio using the loss reflecting balance, calculating the contribution profit rate using the operating return rate and the operating cost rate, calculating the credit cost ratio using the loan amount and the maturity loss rate, Calculating the risk-adjusted contribution rate using the contribution rate and the credit cost ratio, and the risk-adjusted contribution By indirect fixing biyulreul it received from the rate and calculating a threshold margin by using a fixed rate directly transmitted from the outside, the threshold margin and outside characterized in that it comprises the step of calculating an operating margin.

The calculating of the operating cost ratio may include calculating a loss reflection procurement cost by multiplying the corresponding market interest rate during the principal collection period by the previous month, and calculating the sales proportional ratio by multiplying the loan amount and the loan interworking ratio. And calculating the operating cost by using the procurement cost and the sales proportional cost.

In addition, the loan product profit and loss management system according to the present invention includes a loan basic information generation unit for generating loan basic information of the loan product, a cash flow generation unit for generating a cash flow using the loan basic information, and the cash flow. The operating profit generation unit that calculates the operating profit rate by reflecting the prepayment rate and the maturity loss rate, and the operating profit rate calculated by the operating profit generation unit are set as the target operating profit rate, and calculated by the operating profit generation unit when a loan request from the customer occurs. Receive the current OPM at the time of the loan request,

And a profitability analysis unit that analyzes the profitability of the loan product by comparing the target OP margin with the current OP margin.

In addition, the loan product profit and loss management system according to the present invention is a mid-term repayment rate calculation module for calculating the prepayment rate using the past experience value, a maturity loss rate calculation module for calculating the maturity loss rate using the customer's credit rating and the customer's current maturity loss rate; It further comprises a management accounting calculation module for calculating the direct fixed costs and indirect fixed costs.

In addition, the management accounting calculation module, the direct support ratio calculation unit for calculating the sales support ratio, bond ratio, bond support ratio, new handling-related direct fixed ratio and customer management-related direct fixed ratio, and calculates the costs of the back office It characterized in that it comprises an indirect fixed ratio calculation unit.

In addition, the operating profit generation unit, calculating the current month balance by subtracting the loan base principal from the previous month balance, generating the balance for each loan period, and then adds the balances for each cycle to divide the loan period to calculate the average balance And an operating yield calculation unit for calculating an operating return rate reflecting a prepayment rate and a maturity loss rate, an operating cost calculation unit for calculating an operating cost rate by calculating procurement costs and sales proportional expenses, and a credit cost ratio using a loan amount and a maturity loss rate. A credit cost ratio calculation unit for calculating a profit rate, a contribution profit rate calculation unit for calculating a contribution profit rate using the operating profit rate and the operating cost rate, and a risk adjustment contribution calculation for calculating a risk adjustment contribution profit rate using the contribution profit rate and the credit cost rate A profit margin calculator, a margin margin calculator for calculating a marginal margin using the direct fixed ratio; And an operating margin calculating unit for calculating an operating margin using the marginal margin and the indirect fixed ratio.

In addition, the operating cost ratio calculating unit calculates the procurement cost reflecting the loss using the corresponding market interest rate during the principal recovery period and the previous month balance, and calculates the sales proportional ratio by multiplying the loan amount and the loan linkage cost ratio. It is done.

In addition, the operating rate calculation unit, characterized in that it is calculated using the loss-return interest income and commission income and delayed compensation.

In addition, the profitability analysis unit, characterized in that the current operating profit is more than the target operating profit by adjusting the loan variable of the loan product if the current operating profit is lower than the target operating profit.

As described above, by determining the repayment schedule at the time of the loan, it is possible to estimate the profit until the maturity of the loan, and to consider the prepayment rate or the maturity loss rate in consideration of the delinquency.

In addition, the present invention is not only considering the market interest rate, but also considering the intermediate repayment rate and maturity loss rate to determine the profitability of the loan product, even if the market interest rate is high, the current operating profit rate is adjusted to the target operating rate to lower the loan interest rate to the customer rational In addition to providing loans with loan interest rates, loan sales (handlings) have increased, which may increase the profitability of lenders.

In addition, the present invention has the effect of rationalizing the loan rate, cost (incentives, etc.) spent on the loan product by calculating the correct target OP margin in consideration of the prepayment rate and the maturity loss rate.

Hereinafter, a loan product profit and loss management system and a method thereof according to the present invention will be described in detail with reference to FIGS. 1 and 2.

1 is a block diagram of a profit and loss management system for a loan product according to an embodiment of the present invention.

The profit and loss management system of the loan product according to the present invention includes a prepayment rate calculation module 100, a maturity loss rate calculation module 200, a management accounting calculation module 300, and a profit and loss management module 400.

The prepayment calculation module 100 calculates a prepayment rate and a recovery rate using past experience values and transmits the prepayment management module 400 to the profit and loss management module 400.

The maturity loss rate calculation module 200 calculates a maturity loss rate (MEL) for each loan. At this time, the maturity loss rate is a loss rate when it cannot be repaid, and is calculated using the customer's maturity loss rate according to the customer's credit rating.

The management accounting calculation module 300 calculates a direct operation ratio and an indirect fixed ratio for each product / account. In this case, the direct fixed costs include sales support costs, bond proportional costs, debt support costs, direct fixed costs related to new handling, and direct fixed costs related to customer management.Indirect fixed costs include back office costs (strategic planning office, Kyungwon support office, IT support office, etc.). do.

To this end, the management accounting calculation module 300 includes a direct fixed ratio calculator 310 and an indirect fixed ratio calculator 320.

The direct fixed ratio calculating unit 310 calculates a direct fixed ratio by adding a sales support ratio, a bond proportion ratio, a bond support ratio, a new fixed direct ratio, and a direct fixed ratio related to customer management.

The sales support expenses are the average sales support expenses incurred for three months. These include sales expenses, sales activity expenses, sales event expenses, entertainment expenses, and dispatch service expenses. The sales support ratio is calculated as in Equation 1 below.

Bond proportional ratio includes the allowances of the collection center collection jobs, and the bond proportion ratio is calculated as shown in Equation 2 below, and the difficulty of recovering loan amount by product group and fee payment system are different. Differential risks are desirable. At this time, the bond support ratio and the ratio of bond ratio are divided by total bond balance, so the period is not considered. In other words, the total balance of credit receivables means the total balance of loans held by the lender at the present time.

At this time, the ratio of commodity group bond ratio is multiplied by 12 after dividing generated bond proportion ratio by total bond balance.

The bond support costs are the support costs for overdue accruals and withdrawals, and the debt support ratio is calculated by multiplying the accrued bond support costs by the total bond receivables.

Direct fixed costs related to new handling and direct fixed costs related to customer management mean costs for handling new loans of the relevant product sales organization (branch, TM center, product sales office) and general and labor costs for managing existing customers.

The annual rate (direct fixed ratio) of the direct fixed costs including direct fixed costs related to new handling and direct fixed costs related to customer care is calculated as shown in Equation 3 below.

In this case, the total cost of labor and general expenses is not calculated relative to the average balance, and some costs are preferably calculated relative to the total bond balance.

The indirect fixed ratio calculator 310 calculates the indirect fixed ratio as shown in Equation 4 below. In this case, the indirect fixed cost refers to the costs of the back offices (strategic planning office, Kyungwon support office, IT support office, etc.).

The profit and loss management module 400 generates basic loan flows by generating basic loan information, and calculates parameter values such as balance, operating income, operating cost, contribution income, credit cost, marginal profit, and operating profit. Is applied to the basic cash flow to calculate the loan profit.

To this end, the profit and loss management module 400 includes a loan basic information generator 410, a cash flow generator 420, an operating profit generator 430, a profitability analyzer 440, and a storage 450. do.

The loan basic information generation unit 410 generates loan related basic information such as loan amount, loan interest rate (APR), loan period, handling fee rate, loan linkage cost rate (incentive), termination fee rate, and refund fee rate.

The cash flow generating unit 420 generates a cash flow by generating a balance for each loan period. At this time, the cash flow generating unit 420 may calculate the balance of each loan period (monthly) by calculating the balance of the previous month from the balance of the previous month as the current month balance, and calculating the monthly balance.

In addition, the cash flow generating unit 420 calculates the balance of repayment of the prepayment by subtracting the prepayment amount from the calculated balance of each loan period. In this case, the prepayment amount is obtained by multiplying the prepayment balance and the prepayment rate received from the prepayment calculation module 100.

In addition, the cash flow generating unit 420 calculates the loss reflecting balance by subtracting the loss reflecting principal from the centralized repayment reflecting balance. At this time, the loss reflecting principal is the loan principal, minus the product of the basic principal and the delinquency ratio, and the delinquency ratio is the cumulative loss divided by the previous month's balance. At this time, the cumulative loss amount is a value obtained by multiplying the loan amount, the loss rate, and the corresponding time by the loan period.

The operating profit generation unit 430 calculates an average balance, operating cost ratio, operating profit rate, credit cost ratio, contribution rate of return, risk adjusted contribution rate of return, marginal margin, and return on assets (ROA).

To this end, the operating profit generation unit 430 includes a flat balance calculator 431, an operating cost ratio calculator 432, an operating profit rate calculator 433, a credit cost ratio calculator 434, a contribution margin calculator 435, The risk adjustment contribution margin calculation part 436, the marginal margin calculation part 437, and an operating margin calculation part 438 are provided.

The flat balance calculator 431 calculates the flat balance by summing the loss reflecting balances generated by the cash flow generator 420 and dividing by the loan period.

The operating cost ratio calculation unit 432 calculates procurement costs and sales proportional costs, respectively, to calculate operating costs including procurement costs and sales proportional costs. The procurement cost is calculated by multiplying the market interest rate of the principal recovery period by the previous month's balance, and the sales proportional cost is calculated by multiplying the loan amount by the loan linkage cost ratio (incentive). In this case, the procurement cost ratio and the sales proportion ratio may be calculated by multiplying the total incurred cost by the loan period and multiplying by 12 and then multiplying by 12.

The operating return calculation unit 433 calculates an operating income including interest income, commission income, and other operating income, calculates the operating return on average by multiplying 12 by the total estimated profit divided by the loan period and multiplying by 12. do.

At this time, the interest income reflecting the loss is calculated as shown in Equation 5 below.

In this case, the cumulative loss amount is the value obtained by dividing the loan amount, the loss rate, and the corresponding round by the loan period, and (cumulative loss amount * loan rate * recovery rate) means additional profits from the overdue recovery. The recovery rate is received from the prepayment calculation module 100.

The interest rate-to-average rate is calculated by dividing the total estimated return by the loan period, divided by the average balance, and multiplying by 12.

The fee income refers to the handling fee plus termination fee plus the refund fee.

The handling fee is calculated by multiplying the loan amount by the handling fee rate, and the refund fee is calculated by multiplying the handling fee, the prepayment ratio, and the refund fee rate. At this time, the prepayment weight is the value of the prepayment divided by the loan amount. In addition, the termination fee is calculated by multiplying the repayment fee by the termination fee rate. Here, the handling fee rate, refund fee rate, and termination fee rate are already determined at the time of loan, and the handling fee rate compared to the average balance, the refund fee rate relative to the average balance, and the termination fee rate compared to the average balance are divided by the total estimated profit divided by the loan period, respectively. It can be calculated by multiplying by 12.

Other operating income refers to delayed remuneration multiplied by delinquent balance and late reimbursement rate, and other operating return to average can be calculated by multiplying 12 by total balance of expected return divided by loan period.

The credit cost ratio calculator 434 calculates a credit cost ratio for each loan. At this time, the credit cost reflects the cost of the loss of principal of new bonds, and is applied based on the MEL calculated by the risk management team. That is, credit cost is calculated by multiplying the loan amount by the maturity loss rate (MEL).

The credit cost ratio is calculated by dividing the maturity loss amount, which is the amount overdue at maturity, by the balance, and multiplying 12 by the loan period.

The contribution rate calculating unit 435 calculates a contribution value (CV ) rate, and the risk adjusted contribution rate calculating unit 436 calculates a risk adjusted contribution rate (RACV) rate . Contribution margin is calculated by subtracting operating expenses from operating margin, and risk-adjusted contribution margin is calculated by subtracting bad debt expenses from contribution margin. In addition, contribution profit is calculated by subtracting operating expenses from operating income and risk-adjusted contribution profit is calculated by subtracting credit costs from contribution profit.

The marginal margin calculation section 437 calculates the marginal margin. Marginal profit is calculated by subtracting fixed costs directly from risk-adjusted contributions, and marginal margin is calculated by subtracting direct fixed ratios from risk-adjusted contributions.

The operating margin calculation unit 438 calculates an operating profit by subtracting the indirect fixed cost from the marginal profit, and calculates an operating profit rate by subtracting the indirect fixed ratio from the marginal profit rate.

The profitability analysis unit 440 calculates the OP margin of the new loan product and sets it as the target OP margin, and when a loan application is subsequently made from the customer, the OP margin is calculated by calculating the current OP margin for the customer. Compared to the above, when the current OP margin is higher than the target OP margin, loans can be made to the customer, and when the current OP margin is lower than the target OP margin, the loan variable for the customer can be adjusted. In other words, if the current OP margin is lower than the target OP margin, the loan OP for the customer is adjusted to adjust the lending variables such that the current OP margin is higher than the target OP margin to ensure the profitability of the loan provider.

In addition, even if the target operating margin is above a certain level, the profitability analysis unit 440 may increase operating profit even if the target operating margin is lowered by increasing the loan amount (handled amount) if the operating profit is below a certain standard. That is, even if the target operating margin is lowered by lowering the loan interest rate or increasing incentives, if the operating profit increases due to the increase in the loan handling amount by selling a large number of loan products, the profit of the loan product is increased. In addition to operating margins, the company can adjust loan interest rates and loan handling in consideration of operating profits.

As such, the profitability analysis unit 440 sets a target OP margin, and then re-evaluates the current OP margin according to the loan amount, the loan interest rate, the loan period, the handling fee rate, and the loan linkage cost ratio (incentive) at the time the customer applied for a loan. Calculate and compare the target operating margin with the lender to manage the profitability of the loan product.

The storage unit 450 calculates the loan basic information of the loan basic information generator 410, the cash flow generated by the cash flow generator 420, the parameter values calculated by the operating profit generator 430, and the prepayment rate. The module 100, the expiration loss rate calculation module 200, and stores the values received from the management accounting calculation module 300.

That is, the amount and ratio of each item calculated for each loan, including operating income and operating expenses, are stored, and the stored values are later used for analysis and decision making by the sales and management departments.

Hereinafter, with reference to Figure 2 will be described in detail the loan product profit and loss management method according to an embodiment of the present invention.

First, the basic loan information generation unit 410 generates basic loan information (S101). At this time, the basic information of the loan includes the loan amount, loan interest rate, loan period, handling fee rate, loan linkage cost rate (incentive), termination fee rate, refund fee rate and the like. In this case, the termination fee rate and the refund fee rate are predetermined values when the loan product is generated.

Thereafter, the cash flow generating unit 420 calculates the current month balance by subtracting the basic loan principal from the previous month balance, thereby generating a cash flow by generating all balances for each loan period (S102).

Subsequently, the operating profit generation unit 430 calculates a target operating margin (ROA) by calculating loan variables such as an average balance, an operating yield, an operating cost ratio, a credit cost ratio, and a marginal margin.

In this case, the target OP margin is derived by subtracting the indirect fixed ratio from the margin margin, the margin margin is directly subtracted from the risk-adjusted contribution ratio, and the risk-adjusted contribution margin is the contribution cost ratio minus the credit cost ratio. Contribution margin is calculated by subtracting operating expense ratio from operating margin. In this case, the operating return rate and operating cost rate are calculated by reflecting the prepayment rate and credit cost, and the contribution rate is calculated by reflecting the operating rate and operating cost rate.

Thereafter, if a loan application is generated from the customer (S104), the current operating margin is calculated by calculating the average balance, operating return rate, operating cost rate, contribution rate, credit cost rate, marginal margin rate, etc. at the present time the loan is applied (S105). .

Accordingly, the profitability analysis unit 440 analyzes the loan profitability for the customer who applied for a loan by comparing the target OP margin and the current OP margin (S106). That is, if the current OP margin for the customer is higher than the target OP margin, the loan is in progress. If the current OP margin is lower than the target OP margin, the current OP margin is higher than the target OP margin by adjusting the loan interest rate of the loan. Change it so that the loan proceeds.

On the other hand, if the current OP margin is significantly higher than the target OP margin, by lowering the lending rate to adjust the current OP margin to the level of the target OP margin, it is possible to provide reasonable loan products to customers as well as loan providers.

1 is a block diagram of a loan product profit and loss management system according to an embodiment of the present invention.

Figure 2 is a flow chart illustrating a loan product profit and loss management method according to an embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

100: prepayment rate calculation module 200: maturity loss rate calculation module

300: control accounting calculation module 310: direct fixed ratio calculation unit

320: indirect fixed ratio calculation unit 400: profit and loss management module

410: loan basic information generation unit 420: cash flow generation unit

430: operating profit generation unit 440: profitability analysis unit

450: storage unit 431: flat glass calculation unit

432: operating cost rate calculation unit 433: operating rate calculation unit

434: credit cost ratio calculation unit 435: contribution ratio calculation unit

437: margin margin calculation section 438: operating margin calculation section

436: risk-adjusted contribution rate calculation unit

Claims (14)

In the method of managing the loan profit and loss by computer, Generating basic loan information of the loan product in the basic loan information generating means and storing the basic loan information in the storage means; Generating a cache flow from the loan basic information read from the storage means in the cash flow generating means and storing the cache flow in the storage means; Calculating a target operating profit rate by reflecting a prepayment rate and a credit cost rate in the cash flow read from the storage means in the operating profit generating means and storing the target operating profit rate in the storage means; Calculating a current operating profit rate reflecting the prepayment rate and the credit cost ratio at the time of the loan request when the loan request is generated in the operating profit generating means and storing the current operating profit rate in the storage means; And Analyzing the profitability of the loan product by comparing the target OP margin read out from the storage means with the current OP margin in a profit analysis means; Loan product profit and loss management method comprising a. The method of claim 1, Analyzing the profitability of the loan product in the profitability analysis means, If the current operating profit margin is lower than the target operating profit margin loan product profit and loss management method characterized in that to adjust the loan variable of the loan product so that the current operating profit margin is more than the target operating profit margin. The method of claim 1, Analyzing the profitability of the loan product in the profitability analysis means, If the current operating profit margin is higher than the target operating profit margin, the loan interest rate of the loan product is lowered so that the current operating profit margin is set to the target operating profit margin level. delete delete delete delete Loan basic information generating means for generating loan basic information of the loan product and storing the same in the storage means; Cache flow generation means for generating a cache flow from the loan basic information read out from the storage means and storing the cache flow in the storage means; Operating profit generating means for calculating an operating profit rate by reflecting a prepayment rate and a maturity loss rate in the cash flow read from the storage means and storing the operating profit rate in the storage means; And The operating profit rate calculated by the operating profit generating means is set as a target operating profit rate, and when a loan request of a customer is received, the current operating profit rate at the time of the loan request calculated by the operating profit generating means is received, and the target operating profit rate and the current operation Profitability analysis means for analyzing the profitability of the loan product by comparing the profit rate Loan product profit and loss management system comprising a. The method of claim 8, A prepayment rate calculating means for calculating the prepayment rate based on past experience and storing it in the storage means; Expiration loss rate calculating means for calculating the expiration loss rate through the creditworthiness of the customer and the current month loss rate of the customer and storing in the storage means; And Controlling accounting means for calculating direct and indirect fixed rates and storing them in the storage means Loan product profit and loss management system further comprising a. The method of claim 9, The management account calculation means, A direct fixation ratio calculating means for calculating a sales support ratio, a bond proportion ratio, a bond support ratio, a direct fixation ratio related to new handling, and a direct fixation ratio related to customer management and storing them in the storage means; And Indirect fixed ratio calculation means for calculating the cost of the back office and storing it in the storage means. Loan product profit and loss management system comprising a. The method of claim 9, The operating profit generation means, An average balance calculation means for calculating the current month balance by subtracting the loan base principal from the previous month balance, generating the balance for each loan period, and then summing the balance for each time to divide the loan balance by the loan period; An operating rate calculating means for calculating an operating rate reflecting a prepayment rate and a maturity loss rate; An operating cost rate calculating means for calculating an operating cost rate by calculating a procurement cost and a sales proportional cost; Credit cost ratio calculating means for calculating a credit cost ratio using the loan amount and the maturity loss rate; Contribution profit rate calculation means for calculating a contribution rate of profit using the operating rate of return and the operating cost rate; A risk-adjusted contribution rate calculating means for calculating a risk-adjusted contribution rate using the contribution rate of profit and the credit cost rate; Marginal margin calculation means for calculating marginal margin using the risk adjustment contribution rate and the direct fixed ratio; And An operating margin calculation means for calculating an operating margin using the marginal margin and the indirect fixed ratio; Loan product profit and loss management system comprising a. The method of claim 11, The operating cost ratio calculation means, Loan product profit and loss management system, characterized in that for calculating the procurement cost reflecting the loss using the corresponding market interest rate and the previous month balance of the principal recovery period, and multiplying the loan amount and the loan linkage cost ratio. The method of claim 11, The operating yield calculation means, Loan product profit and loss management system, characterized in that calculated using interest income, commission income and delayed reimbursement. The method of claim 8, The profitability analysis means, Loan product profit and loss management system, characterized in that if the current operating profit is lower than the target operating profit to adjust the loan variable of the loan product so that the current operating profit is more than the target operating profit.

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