KR101161359B1 - System and method for managing a stock loan using technology of web screen scraping - Google Patents

Abstract

The present invention provides a financial institution directly to the financial institution through the web screen scraping technology by selecting a range of information on the securities company consigned account information provided by the customer as collateral to the financial institution, the information provided by the financial institution from the customer Stock loans to clients through proactive loan risk management based on preliminary loan risk information and subsequent post-loan risk management based on risk management criteria. A method and system for managing money loans.

A method of managing a stock loan of a loan server according to the present invention is a method of managing a stock loan of a loan server that executes a stock purchase loan to a customer terminal, comprising: (a) using a web screen scraping technology from the customer terminal; Loan application registration step of acquiring securities account information in the name of the customer and calculating the loan limit based on the securities account information; (b) a preliminary management step of limiting the loan application amount by differentially evaluating the collateral value of the items held by the customer terminal based on the ratio of loans for each item calculated using the total customer information; (c) a loan execution step of approving the loan application amount determined by the restriction and remitting it to the securities trust account; And (d) a post-management step of limiting stock trading so that the customer terminal does not concentrate on a specific item and manages loan risk by executing an automatic counter-sale for the specific item when the specific item excessively drops in the market price. It includes.

According to the present invention, unnecessary exposure of customer's personal information can be prevented in advance, and customer information protection can be further enhanced. In addition, lenders can operate stable loans by reducing risks, and customers can obtain high leverage effects in terms of stock purchase capital.

Customers, financial institutions, loans, web screen scraping, stocks, purchases, funds, management

Description

System and method for managing a stock loan using technology of web screen scraping}

The present invention relates to a method and system for managing a stock loan loan using a web screen scraping technology, and more specifically, a customer selects a range of information for a brokerage account of his / her own name provided as a collateral to a financial institution. To provide financial institutions directly through web screen scraping technology, and to execute stock loans to customers through proactive loan risk management based on the information provided by the financial institutions and loan standard information, and then risk management. The present invention relates to a method and system for managing stock loans using web screen scraping technology, which enables ex post loan risk management based on criteria.

In general, equity mortgages are a way for investors to take loans from financial institutions. However, mortgage lenders offer securities (stocks) held by securities traders as collateral. Securities traders who do stock trading because they get loans within the scope of this collateral are actually very economically useful because it is much more economically useful to dispose of their shares and raise the necessary funds.

Accordingly, stock purchase loans have recently emerged as a form of stock mortgage loans, which has been transformed around the second financial sector. In other words, the purpose of the loan is to limit stock purchase funds, so that both the collateral and the loan provided by the principal can be traded in stock under certain constraints.

For example, if a securities trader has $ 1 million in deposits and securities (stocks) in his or her securities account, the lender may borrow up to $ 3-4 million to trade stocks with a total of $ 4-5 million. If the securities account security valuation of the securities trader falls below a certain percentage of the loan principal (eg, the mortgage ratio 106.25% to 107%), it is a form of loan that secures the principal by selling shares through reverse trading.

The securities firm's underwriting system is the same principle. Unsettled transactions allow securities traders to buy 100% of stocks by, for example, if the securities trader purchases the stock, for example, if the amount of the stock is equivalent to 40% of the stock purchase price, the remaining 60% will be loaned for three days. The securities trader must deposit the remaining 60% in three days and the securities company will receive the interest for three days from the securities trader. If the securities trader does not pay 60% of the stock purchase after three days, the stock is forcibly sold through reverse trading to preserve the principal.

Lenders and lenders are in the opposite position in such mortgages and receivables. That is, the lender wants to borrow more money from his deposit and securities (stock). However, from the lender's point of view, stocks offered by mortgages vary greatly during the day, and due to the possibility of defaults on collateral stocks, the risks are significantly higher than those of real estate mortgages.

Because of this structure, the amount of loans from equity collateral is determined within the range of risk that the lender can endure. In other words, if these risks can be minimized, the limit of loans to borrowers is increased, and stable loans are possible from the lender's point of view.

Currently, there is an online stock loan loan product on the market, and since the risk is controlled through a real-time security ratio evaluation, there is an online stock loan product.

There are two major issues in the online stock loan market that have technical, social and economic relevance.

First, although there is a risk management system that evaluates mortgage rates in real time and controls anti-traditional sales and stock trading on securities companies' servers, the limitation of the provision of customer information (trusted account information) (first loan point under the guidance of the Financial Supervisory Service). As a result, the company is unable to concentrate customer information on financial institutions, which are the main agents of risk management, and risks are controlled by the type of risk management by securities firms.

Another limitation is the method of protecting customer information, which is very limited depending on the method of transfer from the securities company server to the financial institution server by customer agreement.

In addition, the technology of the risk management system for online stock trading and lending is a risk management system (Risk Management System, RMS) that receives real-time stock information from the securities company system and performs automatic counter-sales according to various criteria such as prohibition of holding. The technology is about the core. In addition, when the form of receiving customer information requests the financial institution loan server for the amount of the stock transaction from the client computer of the customer, the securities account information is provided in real time through the securities company system. In addition, since the corresponding RMS is installed in the securities company system, and financial institutions are not provided with the customer information (items and transaction information in the securities trust account), risk management is performed regardless of the financial institution's intention.

Recently, the Financial Supervisory Service has strengthened the protection of customer information (information in the client's securities trust account) in regulating Internet stock purchase loans between lenders and securities firms. Based on the agreement to provide information (the securities company agrees to provide the securities account information of the customer's own name to the lending financial institution), the securities company provides the customer information to the lending financial institution only once. This is because if a securities firm sends customer information directly to a lending financial institution, there may be a problem that a securities firm randomly provides. Therefore, for security of customers' personal information, a technology that enables a customer to directly provide customer information to a loan financial institution is required without a securities company transmitting the customer information to the loan financial institution.

An object of the present invention for solving the above-mentioned problems is to provide a financial institution directly through a web screen scraping technology by selecting a range of information on the securities company consigned account information provided by the customer as a collateral to the financial institution. In addition, based on the information provided by the financial institution and the loan reference information, the financial institution executes the stock purchase loan to the customer through proactive loan risk management, and subsequently executes the loan risk management according to the risk management standard. In addition, the present invention provides a method for managing a stock loan loan using a web screen scraping technology and a server thereof.

In addition, the present invention provides customers with their securities account information (including consigned account, CMA, fund information) directly to financial institutions through web screen scraping technology, so that the customer information existing in a plurality of securities firms can be concentrated on financial institutions. In addition, the financial institution may database the concentrated customer information on a server in the financial institution, thereby performing the financial institution's subjective risk management based on the centralized database. In addition, customers can also use the product more conveniently by facilitating convenience and extensibility based on technology that can directly provide their information to financial institutions (according to the range of customer information provided). Financial benefits, such as interest rate cuts and loan limit expansion), can solve both of these issues.

For example, if a financial institution can provide customer information from several affiliated securities firms directly to the financial institution, the financial institution can determine which securities firm, and in what size, the entire loan. Monitoring and analysis become available, and the financial institution controls the risk management of the entire loan by performing statistical risk management based on the monitored database.

In accordance with the present invention, a method of managing a loan of a stock purchase fund of a loan server according to the present invention is a method of managing a loan of a loan of a loan server that executes a mortgage loan to a customer terminal. A loan application registration step of acquiring securities trust account information of a customer's name using a screen scraping technology and calculating a loan limit based on the securities trust account information; (b) a preliminary management step of limiting the loan application amount by differentially evaluating the collateral value of the items held by the customer terminal based on the ratio of loans for each item calculated using the total customer information; (c) a loan execution step of approving the loan application amount determined by the restriction and remitting it to the securities trust account; And (d) a post-management step of limiting stock trading so that the customer terminal does not concentrate on a specific item and manages loan risk by executing an automatic counter-sale for the specific item when the specific item excessively drops in the market price. It includes.

Here, the securities trust account information includes the number of accounts held by the customer, the number of stocks held by the account, the number of stocks held by the accounts, the amount of deposits per account.

In addition, in the step (d), after remitting the loan application amount to the customer terminal, when processing the loan repayment history inquiry, customer information change, loan limit increase application, loan extension application, etc. on a regular or irregular basis A screen scraping technique is used to read and manage the information on the securities account.

In addition, in step (b), the security value of the securities trust account is evaluated based on advance loan risk management criteria.

At this time, the advance loan risk management standard, if the items in the consignment account provided as collateral by the entire customer applying for the loan for the first time for a certain period of time, the security provided for the item provided by the customer applying for the loan Instead of recognizing the value as 100%, it is evaluated differentially from 0 to 100% according to a certain ratio.

In addition, the preliminary loan risk management standard is to differentiate the security value of the item according to whether or not the item provided as collateral by the customer who first applied for the loan is designated as the credit item of the securities company, Find out how much credit you are using and adjust your loan limit.

In addition, the advance loan risk management criteria, the composition ratio of each item held by the total lending customers of the lending financial institution to the total loan amount of the lending financial institution, calculates the ratio of each item, the customer having a specific item that is excessive When applying for a loan by providing the relevant item as a real collateral, the collateral value is evaluated differently from 0 to 100% by component ratio, instead of recognizing the collateral value as 100%.

In addition, by analyzing the items bought by the entire customer of the lending financial institutions for a certain period of time, if there is information that excessively bought a certain item, this information is reflected in the security value evaluation.

In addition, in step (d), the loan risk is managed based on the after-sale loan risk management criteria.

In addition, the post-loan risk management standard calculates the composition ratio of each item owned by all lending clients of the lending financial institution to the total loan amount of the lending financial institution, and purchases in the case of a specific item with excessive composition ratio. It is either designated as a non-capable or non-capable item or a limit on the portfolio.

In addition, the post-loan risk management criteria, when the mortgage ratio decreases due to the decline in the price of a particular item held by the customer, only the specific item within a certain mortgage ratio is automatically counter-traded.

The post-mortem loan risk management standard calculates the composition ratio of each item held by all lending clients of the lending financial institution to the total lending amount of the lending financial institution, and at the time of loan extension, the customer is in the consignment account. Evaluate the stocks you have to determine whether to extend the loan.

On the other hand, the stock loan management server according to the present invention for achieving the above object, the communication unit for communicating with the customer terminal, other financial institution server and securities company server; A loan application registration unit for acquiring securities trust account information of a customer's name using a web screen scraping technology from the customer terminal, and calculating a loan limit based on the securities trust account information to register a loan application amount; A collateral value evaluation unit for differentially evaluating a collateral value of a stock held by the customer terminal; A preliminary management unit that limits the loan application amount by differentially evaluating the collateral value of the items held by the customer terminal based on the ratio of loans for each item calculated using the total customer information; Loan execution unit for approving the loan application amount determined by the restriction and remittance to the securities trust account; A post management unit for limiting stock trading in the form of a portfolio so that the customer terminal does not concentrate on a specific item and managing loan risk by executing an automatic counter-sale for the specific item when the price of the specific item excessively drops; And a control unit which acquires securities trust account information under the name of the customer using the web screen scraping technology and executes and controls the loan of the stock purchase fund based on the collateral value of the stock item held by the customer.

In addition, the program providing unit for downloading a client program for the management of stock purchase loans to the customer terminal; And store securities trust account information of the customer obtained by using a web screen scraping technology from the customer terminal, or store loan application amount information transferred to the securities trust account and collateral value information of the items held by the customer terminal. It further includes a database of stock purchase loans.

In addition, the securities trust account information, the number of accounts held by the customer, the number of holdings by account, the number of holdings by the item by account, the deposit amount by account.

In addition, the control unit, the web screen scraping when processing the loan repayment history inquiry, customer information change, loan limit increase application, loan extension application, etc. periodically or irregularly after remittance of the loan application amount to the customer terminal The technology is used to read and manage the securities trust account database.

In addition, the collateral value evaluation unit, based on the advance loan risk management criteria performs the collateral value evaluation for the securities trust account.

In addition, the advance loan risk management criteria, if the items in the consignment account provided as collateral by the entire customer applying for a loan for the first time for a certain period of time, the collateral of the items provided by the customer requesting loan Instead of recognizing the value as 100%, it is evaluated differentially from 0 to 100% according to a certain ratio.

In addition, the preliminary loan risk management standard is to differentiate the security value of the item according to whether or not the item provided as collateral by the customer who first applied for the loan is designated as the credit item of the securities company, Find out the amount of credit you are using to adjust the loan limit.

In addition, the advance loan risk management criteria, the composition ratio of each item held by the total lending customers of the lending financial institution to the total loan amount of the lending financial institution, calculates the ratio of each item, the customer having a specific item that is excessive In the case of applying for a loan by providing a specific item as a real collateral, the collateral value is evaluated differently from 0 to 100% by component ratio instead of recognizing the collateral value as 100%.

In addition, if the entire customer of the lending financial institution purchased the information even in a certain period of time to analyze the item excessively purchased information, this information is reflected in the security value evaluation.

In addition, the control unit manages the loan risk based on a post-loan risk management standard.

In addition, the post-loan risk management standard calculates the composition ratio of each item owned by all lending clients of the lending financial institution to the total loan amount of the lending financial institution, and purchases in the case of a specific item with excessive composition ratio. Designate as a non-capable or non-capable item or limit the portfolio.

In addition, the post-loan risk management criteria, when the mortgage ratio decreases due to the decline in the price of a particular item held by the customer, only the specific item within a certain mortgage ratio is automatically counter-traded.

The post-mortem loan risk management standard calculates the composition ratio of each item held by all lending clients of the lending financial institution to the total lending amount of the lending financial institution, and at the time of loan extension, the customer is in the consignment account. Evaluate the stocks you have to determine whether to extend the loan.

According to the present invention, unnecessary exposure of customer's personal information can be prevented in advance, and customer information protection can be further enhanced.

In addition, more specific and statistical risk management can be made by providing a clear standard for selecting items in which the total loan amount is excessively biased.

In addition, lenders can operate stable loans by reducing risks, and customers can obtain high leverage effects in terms of stock purchase capital.

In addition, the lender financial institution can perform the risk management of the customer's loans independently, and in the case of the customer can protect his information more securely.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram schematically showing the configuration of a stock purchase loan management system according to an embodiment of the present invention.

Referring to FIG. 1, the stock purchase fund loan management system 100 according to the present invention includes a customer terminal 110, a communication network 120, a loan server 130, a securities company server 140, an authentication server 150, Credit rating server 160 and limit lookup server 170;

The client terminal 110 is connected to the loan server 130 through the communication network 120, and downloads and installs the client purchase loan related client program according to the present invention from the loan server 130. Subsequently, the customer terminal 110 obtains the securities trust account information from the securities company server 140 through the web screen scraping technology through the stock purchase loan loan client program and provides it to the loan server 130. Thereafter, the customer terminal 110 receives a message from the loan server 130 to confirm that the loan of the stock purchase money has been approved and that the loan has been deposited in the securities trust account.

The communication network 120 may be a wired communication network such as the Internet or a PSTN, or may be a wireless communication network such as a mobile communication network.

The loan server 130 provides a client program related to the stock purchase loan to the client terminal 110 that requested the stock purchase loan by accessing through the communication network 120, and through the client program, the client terminal 110 and the stock purchase through the client program. Send and receive money loan related data.

The loan server 130 obtains the information on the securities account of the customer's name using the web screen scraping technology from the customer terminal 110, calculates the loan limit based on the information on the securities trust account, and registers the loan application amount. .

In addition, the loan server 130 evaluates the collateral value of the holdings by the ratio of loans for each item calculated using the total customer information based on the securities trust account information to limit the loan application amount according to the loan risk management criteria Perform enemy management.

In addition, the loan server 130 approves the loan application amount determined in this way and transfers the loan application amount to the securities trust account to execute the loan.

In addition, in accordance with the loan risk management standard, the client terminal 110 restricts stock trading in the form of a portfolio so as not to concentrate on a specific item, and executes an automatic counter-sale for a specific item when a particular item falls excessively. Perform ex post management to manage

The securities firm server 140 provides the securities trust account information to the loan server 130 via the customer terminal 110 through a web screen scraping technique. In this case, the securities trust account information includes the number of accounts held by the customer, the number of stocks held by the account, the number of stocks held by the accounts, the amount of deposits per account, and the like.

The authentication server 150 confirms the authorized certificate for the customer terminal 110 at the request of the loan server 130.

The credit rating server 160 inquires and informs the credit rating of the customer terminal 110 at the request of the loan server 130.

The limit inquiry server 170, for example, inquires and informs the credit limit of the same person as the National Assembly IFIS, or informs the integration limit including the presence or absence of the delinquency of the existing debt.

Figure 2 is a schematic diagram showing the internal configuration of a loan server according to an embodiment of the present invention.

2, the loan server 130 according to the present invention is a stock purchase loan management server, communication unit 210, loan application registration unit 220, collateral value evaluation unit 230, dictionary management unit 240 The loan execution unit 250, the post management unit 260, the control unit 270, the program provider 280 and the stock purchase fund loan DB (290).

The communication unit 210 communicates with the customer terminal 110 or another financial institution server and the securities company server 140 through the communication network 120.

The loan application register 220 obtains the information on the securities entrusted account of the customer's name using the web screen scraping technology from the customer terminal 110, calculates the loan limit based on the information on the securities entrusted account, and registers the loan application amount. .

The collateral value evaluation unit 230 differentially evaluates the collateral value of the stock held by the customer terminal 110. At this time, the collateral value evaluation unit 230 performs the collateral value evaluation of the securities trust account based on the advance loan risk management criteria.

The dictionary management unit 240 limits the loan application amount by differentially evaluating the collateral value of the items held by the customer terminal 110 based on the ratio of loans for each item calculated using the entire customer information.

Here, the advance loan risk management standard refers to the collateral value of the item provided by the loan application customer when the item in the consigned account provided as collateral by the entire customer who applies for the loan for the first time for a certain period is focused on the specific item. It does not recognize 100% as a 100%, and evaluates them differently from 0 to 100% according to a certain ratio.

In addition, the preliminary loan risk management standard differentiates the collateral value of the securities based on whether or not the item provided as collateral by the customer who applied for the loan for the first time is designated as the credit item of the securities company, and the customer applying for the loan is used by the securities company. Find out the amount of credit you are doing and adjust the loan limit.

In addition, the preliminary loan risk management standard calculates the composition ratio of each item held by the lending financial institution's total lending customers to the total loan amount of the lending financial institution, and the customer who has a certain item with an excessive ratio In the case of applying for a loan by providing a certain item as real collateral, the collateral value is evaluated differently from 0 to 100% by component ratio, instead of recognizing the collateral value as 100%. In addition, this study analyzes stocks bought by all customers of a lending financial institution for a certain period of time, and reflects this information in evaluating collateral value when there is excessive information on certain stocks.

The loan execution unit 250 approves the loan application amount determined in advance and transfers the loan application amount to the securities trust account.

The ex post management unit 260 restricts stock trading in the form of a portfolio so that the customer terminal 110 does not concentrate on a specific item in accordance with the loan risk management standard, and automatically counters the sale of a specific item when a specific item falls excessively. To manage loan risk.

The controller 270 acquires the information on the securities trust account of the customer's name using the web screen scraping technology, and executes and controls the loan of the stock purchase fund based on the collateral value of the stock item held by the customer.

The program provider 280 downloads the client program related to the management of the stock loan loan to the customer terminal 110.

The stock purchase fund loan DB 290 stores the information on the customer's securities entrusted by using the web screen scraping technology from the customer terminal 110 or the loan application amount information and the customer terminal 110 remitted to the securities entrusted account. Information on the collateral value of stocks in

Here, the securities trust account information includes the number of accounts held by the customer, the number of stocks held by the account, the number of stocks held by the accounts, the amount of deposits per account, and the like.

In addition, the control unit 270, the web screen scraping technology when processing the loan repayment history inquiry, customer information change, loan limit increase application, loan extension application, etc. on a regular basis after the transfer of the loan application amount to the customer terminal 9110 The securities trust account information is read and databased to manage. In addition, the control unit 270 manages the loan risk based on the after-sale loan risk management criteria.

At this time, the post-loan risk management standard calculates the composition ratio of each item held by all lending clients of the lending financial institution to the total loan amount of the lending financial institution, and the item that cannot be bought in the case of a specific item with excessive composition ratio Or designate it as an unavailable stock or limit its portfolio.

In addition, the post-loan risk management standard is to automatically counter-trade only certain stocks within a certain mortgage ratio when the mortgage ratio decreases due to a drop in the market price of a specific stock held by the customer.

In addition, the post-loan risk management standard calculates the composition ratio of all items owned by all lending clients of the lending financial institution to the total loan amount of the lending financial institution, and the customer is held in the consignment account at the time of loan extension. Evaluate the stock market and decide whether to extend the loan.

Figure 3 is a schematic diagram showing the internal configuration of the customer terminal to which the present invention is applied.

Referring to FIG. 3, the customer terminal 110 according to the present invention includes a communication unit 310, a client program unit 320, an input unit 330, a storage unit 340, a display unit 350, and a control unit 360. do.

The communication unit 310 communicates with the loan server 130 and the securities company server 140 through the communication network 120.

The client program unit 320 is formed by installing the client program related to the stock loan loan provided from the loan server 130, and uses the web screen scraping technology to request the stock loan loan by accessing the loan server 130. Obtains securities trust account information from the securities company server 140 and provides the loan server 130 to the loan server 130.

In addition, the client program unit 320 may access the loan server 130 and request an extension for the pre- loaned stock purchase loan.

The input unit 330 receives data, an operation command or a selection command from a customer.

The storage unit 340 stores the data received from the loan server 130.

The display unit 350 displays an operation state of the terminal or displays a stock purchase loan status.

The control unit 360 requests the stock server loans to the loan server 130 through the client program related to the stock loans, and obtains the securities trust account information from the securities company server 140 by using a web screen scraping technology. 130) to control what is provided.

4 is an overall flowchart illustrating a method of managing a stock loan loan according to an embodiment of the present invention.

Referring to FIG. 4, the user accesses the loan server 130 through the customer terminal 110 (S402).

The loan server 130 provides a stock program loan related client program to the customer terminal 110 connected through the communication network 120 (S404).

The customer terminal 110 installs a client program provided from the loan server 130 therein (S406).

Subsequently, the client terminal 110 executes a client program by the user, and accesses the loan server 130 through this to request a stock purchase money loan (S408).

Accordingly, the loan server 130 requests the securities trust account information to the customer terminal 110 (S410).

The client terminal 110 accesses the securities company server 140 through a client program, requests securities trust account information, and obtains the securities trust account information from the securities company server 140 using a web screen scraping technique (S412). .

The customer terminal 110 provides the securities trust account information obtained from the securities company server 140 to the loan server 130 using a web screen scraping technique (S414).

At this time, the loan server 130 registers the loan application amount by calculating the loan limit according to the loan risk management criteria from the customer terminal 110 on the basis of the securities trust account information, the ratio of loans for each item calculated using the total customer information By differentially evaluating the collateral value of the holdings of the customer terminal 110 to perform a preliminary management to limit the loan application amount (S416).

Subsequently, the loan server 130 evaluates the collateral value of the stock held by the customer terminal 110 through the securities company server 140 and inquires the credit rating of the customer terminal 110 through the credit rating server 160. (S418). At this time, the loan server 130 performs authentication through the certificate held by the customer terminal 110 through the authentication server 150, and the loan inquiry of the customer through the limit inquiry server 170, the loan risk Based on the management criteria, the customer's loan limit (a certain percentage of the value of the securities trust account) is calculated.

Subsequently, the loan server 130 automatically approves the loan application amount of the customer and directly transfers it to the securities trust account of the customer in real time to execute the stock purchase fund loan (S420).

Subsequently, the loan server 130 transmits a loan execution result indicating that the stock purchase fund loan requested by the customer has been executed to the customer terminal 110 (S422).

Thereafter, the loan server 130 restricts the stock trading in the form of a portfolio so that the customer terminal 110 does not concentrate on a specific item according to the loan risk management standard, and automatically opposes the specific item when the specific item excessively drops the market price. After the sale is carried out to manage the risk of lending (S424).

5 is a flowchart illustrating a method of managing a stock loan loan of a loan server according to an embodiment of the present invention.

Referring to FIG. 5, when the loan server 130 receives a stock purchase loan request from the customer terminal 110 (S502), the securities trust account information of the customer's name is obtained from the customer terminal 110 using a web screen scraping technique. To obtain (S504).

That is, when the loan server 130 requests a stock purchase money loan from the customer terminal 110, the loan server 130 requests the securities trust account information from the customer terminal 110, and the customer terminal 110 requests the web of the securities company server 140. The securities trust account information is requested through the homepage screen, and the securities trust account information is acquired using a web screen scraping technology, and then directly transmitted to the loan server 130. Here, the securities trust account information includes the number of accounts, holdings by account, holdings by account / item, deposit amount by account and the like.

In addition, the web screen scraping technology performs screen scraping for each financial institution through a scraper module. The web screen scraping technology communicates by complying with the HTTP protocol and the HTML document standard, and the scrapping procedure for each financial institution stored as a database or a script file. Process by referencing the information. Since this web screen scraping technique corresponds to a known technique, a detailed description thereof will be omitted.

At this time, the customer can select and determine the range of securities trust account information provided by the customer. That is, the customer himself or herself provides the information providing scope such as providing all information such as a plurality of securities consignment accounts or CMA accounts possessed by the specific securities company server 140 in the name of the customer or providing only securities consignment account information provided as collateral. You can choose. Therefore, unnecessary exposure of customer's personal information can be prevented in advance, and even in the case of the loan server 130, it is possible to meet the government policy of strengthening the protection of customer information and at the same time, further protect customer information.

Subsequently, the loan server 130 calculates a loan limit based on the information on the securities trust account received from the customer terminal 110 to register the loan application amount (S506).

Next, the loan server 130 performs a preliminary management to limit the loan application amount by differentially evaluating the collateral value of the items held by the customer terminal 110 by the ratio of loans for each item calculated using the entire customer information (S508). ).

At this time, the loan server 130 performs a collateral value evaluation for the securities trust account based on the advance loan risk management criteria of the securities trust account information.

Here, the advance loan risk management standard refers to the collateral value of the item provided by the customer who applied for the loan when the items in the consigned account provided as collateral by the entire customer who applied for the loan for the first time for a certain period are focused on the specific item. It does not recognize 100% as a 100%, and evaluates them differently from 0 to 100% according to a certain ratio.

In addition, the preliminary loan risk management standard differentiates the collateral value of the securities based on whether or not the item provided as collateral by the customer who applied for the loan for the first time is designated as the credit item of the securities company, and the customer applying for the loan is used by the securities company. Find out the amount of credit you are doing and adjust the loan limit.

In addition, the preliminary loan risk management standard calculates the composition ratio of each item held by the lending financial institution's total lending customers to the total loan amount of the lending financial institution, and the customer who has a certain item with an excessive ratio In the case of applying for a loan by providing a certain item as real collateral, the collateral value is evaluated differentially from 0 to 100% by component ratio, rather than recognizing the collateral value as 100%. For example, if 20% of the total loan amount of the lending financial institution is invested in the A-item, the loan server 130, when the first loan application customer applies for the loan of the A-item 1 million won, the collateral value is 100 Rather than evaluating it to 10,000 won, it would be estimated as 800,000 won, which is estimated at 80%, and the loanable amount would be calculated as 800,000 won * 400% = 32 million won.

In addition, the loan server 130, in this application, analyzes the items bought by the entire customer of the lending financial institution for a certain period of time and reflects this information in the evaluation of collateral value if there is information that excessively bought a certain item . For example, if 100 customers of the lending financial institution purchased the item A during the month of June 2009, and if the first new loan customer applied for the loan on the item A, the collateral value of 0-100 The difference is evaluated by%.

The loan server 130 thereby controls the actual risk to the loan.

Meanwhile, when the range of customer information provided from the customer terminal 110 is different, the loan server 130 may set and evaluate the loan limit or collateral evaluation. For example, when a customer with several securities trust accounts does not receive receivables in all the consignment accounts when applying for a loan, the loan server 130 may judge the customer's investment tendency to raise the loan limit. In addition, even if the account information is provided with a separate CMA account and deposits a certain amount or more, the loan limit may be increased by judging as a good customer. If you lower the loan limit, you can explain the opposite.

Subsequently, the loan server 130 approves the loan application amount determined as described above and transfers it to the customer's securities trust account to execute the stock purchase fund loan (S510).

Thereafter, the loan server 130 restricts the stock trading in the form of a portfolio so that the customer terminal 110 does not concentrate on a specific item according to the loan risk management standard, and automatically opposes the specific item when the specific item excessively drops the market price. After the sale is carried out to manage the risk of lending (S512).

That is, the loan server 130 processes the loan repayment history inquiry, customer information change, loan limit increase application, loan extension application, etc. after the remittance of the loan application amount to the customer terminal 110, at this time web screen scrap Securities trust account information is read and databaseed using ping technology.

After the loan is executed, the customer periodically checks his / her loan repayment details, requests for repayment, request for extension, request and change customer information, and checks loan information. The loan server 130 periodically through the customer's own customer terminal 110. At the same time, the loan server 130 requests the customer to provide customer information (number of accounts, items held by account, amount held by account / item, amount of deposit by account, etc.) and the customer terminal 110. ) Directly sends customer information to loan server 130 using web screen scraping techniques.

The loan server 130 constructs a database in the form of a data warehouse by directly or directly receiving information provided directly from the customer terminal 110 on a regular or irregular basis, and utilizes it as a basic analysis data of preliminary and ex post loan risk management standards. Implement a data model to build a database foundation for designing management logic.

The loan server 130 sets up post-mortem loan risk management criteria based on the risk management logic designed based on the data model, and the loaned customer makes a stock transaction using the entire deposit (loan + existing collection). Conduct loan risk management by restricting stock trading based on criteria. That is, the loan server 130 manages the loan risk for the stock purchase funds loan of the customer based on the post-loan risk management criteria (S514).

Here, the post-loan risk management standard calculates the composition ratio of each item held by all lending clients of the lending financial institution to the total loan amount of the lending financial institution, and the item that cannot be bought in the case of a specific item with an excessive composition ratio. Or to designate an item as unbearable or to limit the portfolio.

At this time, limiting the portfolio limits the limit on the number of stocks that can be bought with the customer's total deposit.For example, the limit on the number of items that can be bought with the total amount of the deposit is within 30% of the total deposit. It is a limit.

In addition, in the case of a specific item with an excessively high composition cost, if 20% of the total loan amount of the lending financial institution is invested in the A item, the loan server 130 1) the customer for the customer who does not have the A item. Restrict the purchase of this item A to new stocks, or 2) For customers with item A, limit the number of items not to be held forcibly to enforce automatic counter-sale, or 3) A customer who does not have item A If you wish to buy, you may apply a portfolio limit to limit the purchase to 30% of the total deposit held by the customer.

The conventional portfolio has a form of limiting 40% or 50% of the total deposit amount to buy any item, so that the method of selecting the restricted item is very simple, whereas the total loan amount is excessively biased. More specific and statistical risk management is provided by providing clear criteria for selecting which items will be selected.

In addition, the post-loan risk management standard is to automatically counter-trade only certain stocks within a certain mortgage ratio when the mortgage ratio decreases due to a drop in the market price of a specific stock held by the customer.

The conventional technology seeks to preserve the principal of the loan of securities provided by collateralized securities by automatically counter-selling the entire item when the mortgage ratio reaches a certain rate (eg, 107% or 106.25%) even if the market price falls sharply with a certain item lower limit. have. This has the disadvantage that the entire stock is affected by excessive stock price drop of a certain stock regardless of the price decline of other stocks.

In contrast, in the present invention, when excessive market price decrease occurs due to a lower limit of a certain item within the first fixed ratio (eg, 110% or 115%) of the security ratio, only the specific item is automatically counter-traded, and the customer Another investment opportunity is secured by buying another stock with the investment recovered from the counter-trade. In this case, when the collateral ratio reaches a second constant ratio (eg, 107% or 106.25%, etc.), all items can be automatically counter-sold as in the prior art. Accordingly, the present invention has a technical difference in terms of rationality of risk management and securing opportunities for customer investment by performing risk management on specific items as compared with the related art.

In addition, the post-loan risk management standard calculates the composition ratio of each item held by all lending clients of the lending financial institution to the total loan amount of the lending financial institution, and at the time of loan extension, Evaluate the stocks you have to determine whether to extend the loan.

For example, if the A item among the number of items held by the customer at the time of the loan extension corresponds to the unpurchased item determined by the loan server 130, the conditional extension (an increase in the mortgage rate through an extension of the sale or additional deposit) Adjustment, etc.) or extension. This should be avoided by the simple processing method of the prior art that the automatic loan extension processing is always performed within the mortgage ratio, and whether the loan risk is extended within the extent that the item risk is controlled by the actual risk measurement value (composition ratio of the specific item to the total loan amount). There is a big difference in that is determined.

As described above, according to the present invention, the customer selects a range of information for the securities company consigned account information provided to the financial institution as collateral and provides the financial institution directly through the web screen scraping technology, Based on the information provided by this customer and the information on the loan criteria, Web loans can be executed to procure loans to clients through proactive loan risk management, and subsequently to implement ex post loan risk management according to risk management criteria. It is possible to realize a method for managing stock loans and a server using ping technology.

It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the present invention as defined by the following claims and their equivalents. Only. The scope of the present invention is shown by the following claims rather than the detailed description, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included in the scope of the present invention. do.

1 is a block diagram schematically showing the configuration of a stock purchase loan management system according to an embodiment of the present invention.

Figure 2 is a schematic diagram showing the internal configuration of a loan server according to an embodiment of the present invention.

Figure 3 is a schematic diagram showing the internal configuration of the customer terminal to which the present invention is applied.

4 is an overall flowchart illustrating a method of managing a stock loan loan according to an embodiment of the present invention.

5 is a flowchart illustrating a method of managing a stock loan loan of a loan server according to an embodiment of the present invention.

Description of the Related Art

100: stock purchase loan management system 110: customer terminal

120: communication network 130: loan server

140: brokerage server 150: authentication server

160: credit rating server 170: limit inquiry server

210: communication unit 220: loan application register

230: collateral value evaluation unit 240: dictionary management unit

250: loan execution unit 260: ex post management unit

270 control unit 280 program providing unit

290: Loan for stock purchase DB 310: Ministry of Communications

320: client program unit 330: input unit

340: storage unit 350: display unit

360 control

Claims (25)

As a method of managing stock loans of a loan management system including a customer terminal, a loan server, and a securities firm server, (a) requesting a loan by obtaining a securities trust account information from a securities company server through a web screen scraping technology to a loan server; (b) Applying the loan risk management criteria based on the securities trust account information provided by the loan server to obtain a differential evaluation according to the ratio of loans for each item calculated using the total customer information on the collateral value of the customer's holdings Providing a loan limit to the customer terminal; (c) requesting, by the client terminal, inputting a loan application amount to a loan server according to a loan limit; (d) the loan server approving the loan application amount and remitting it to the customer's securities trust account to execute the loan; And (e) If the loan rate of the mortgage item of the executed loan falls due to the decrease in the market price of the particular item held by the customer, the loan server manages the loan risk by automatically trading the specific item within a certain mortgage rate. step; Stock purchase capital loan management method of the loan management system comprising a. The method of claim 1, Step (b) is 100% of the collateral value of the customer's holdings if the items in the consigned account provided as collateral by the customer who applied for the first loan for a certain period are provided as collateral in the specific items. A method of managing a loan of a stock purchase fund of a loan management system, characterized in that it provides the customer terminal with a loan limit obtained by differentially evaluating according to a predetermined ratio. The method of claim 1, In step (b), the collateral value of the customer's holdings is differentiated according to whether or not the item provided as collateral by the customer who applied for the loan for the first time is designated as the credit item of the securities company, and the customer applying for the loan is used by the securities company. The method of claim 1, wherein the loan limit obtained by grasping the credit amount is provided to the customer terminal. The method of claim 1, In the step (b), with respect to the collateral value of the stock held by the customer, the composition ratio of each item owned by all lenders of the lender financial institution to the total loan amount of the lender financial institution is calculated, and the composition ratio is excessive. When a customer with a specific item applies for a loan as a real collateral for the specific item, the loan limit is provided to the customer terminal without acknowledging the collateral value as 100% and the loan limit obtained by differentially evaluating each component ratio. How to manage stock loans in management system. As a method of managing stock loans of a loan management system including a customer terminal, a loan server, and a securities firm server, (a) requesting a loan by obtaining a securities trust account information from a securities company server through a web screen scraping technology to a loan server; (b) Applying the loan risk management criteria based on the securities trust account information provided by the loan server to obtain a differential evaluation according to the ratio of loans for each item calculated using the total customer information on the collateral value of the customer's holdings Providing a loan limit to the customer terminal; (c) requesting, by the client terminal, inputting a loan application amount to a loan server according to a loan limit; (d) the loan server approving the loan application amount and remitting it to the customer's securities trust account to execute the loan; And (e) The loan server calculates the ratio of each item held by the total loan customer of the lender financial institution to the total loan amount of the loan financial institution, and calculates the ratio of each item held by the loan loan institution. Managing the loan risk by designating the item as unpurchased or non-purchasable or limiting the portfolio if it applies to the above; Stock purchase capital loan management method of the loan management system comprising a. 6. The method of claim 5, Step (b) is 100% of the collateral value of the customer's holdings if the items in the consigned account provided as collateral by the customer who applied for the first loan for a certain period are provided as collateral in the specific items. A method of managing a loan of a stock purchase fund of a loan management system, characterized in that it provides the customer terminal with a loan limit obtained by differentially evaluating according to a predetermined ratio. 6. The method of claim 5, In step (b), the collateral value of the customer's holdings is differentiated according to whether or not the item provided as collateral by the customer who applied for the loan for the first time is designated as the credit item of the securities company, and the customer applying for the loan is used by the securities company. The method of claim 1, wherein the loan limit obtained by grasping the credit amount is provided to the customer terminal. 6. The method of claim 5, In the step (b), with respect to the collateral value of the stock held by the customer, the composition ratio of each item owned by all lenders of the lender financial institution to the total loan amount of the lender financial institution is calculated, and the composition ratio is excessive. When a customer with a specific item applies for a loan as a real collateral for the specific item, the loan limit is provided to the customer terminal without acknowledging the collateral value as 100% and the loan limit obtained by differentially evaluating each component ratio. How to manage stock loans in management system. As a method of managing stock loans of a loan management system including a customer terminal, a loan server, and a securities firm server, (a) requesting a loan by obtaining a securities trust account information from a securities company server through a web screen scraping technology to a loan server; (b) Applying the loan risk management criteria based on the securities trust account information provided by the loan server to obtain a differential evaluation according to the ratio of loans for each item calculated using the total customer information on the collateral value of the customer's holdings Providing a loan limit to the customer terminal; (c) requesting, by the client terminal, inputting a loan application amount to a loan server according to a loan limit; (d) the loan server approving the loan application amount and remitting it to the customer's securities trust account to execute the loan; And (e) managing loan risk by evaluating items held by the customer in the consignment securities account by the loan server at the time of loan extension to determine whether to extend the loan; Stock purchase capital loan management method of the loan management system comprising a. The method of claim 9, Step (b) is 100% of the collateral value of the customer's holdings if the items in the consigned account provided as collateral by the customer who applied for the first loan for a certain period are provided as collateral in the specific items. A method of managing a loan of a stock purchase fund of a loan management system, characterized in that it provides the customer terminal with a loan limit obtained by differentially evaluating according to a predetermined ratio. The method of claim 9, In step (b), the collateral value of the customer's holdings is differentiated according to whether or not the item provided as collateral by the customer who applied for the loan for the first time is designated as the credit item of the securities company, and the customer applying for the loan is used by the securities company. The method of claim 1, wherein the loan limit obtained by grasping the credit amount is provided to the customer terminal. The method of claim 9, In the step (b), with respect to the collateral value of the stock held by the customer, the composition ratio of each item owned by all lenders of the lender financial institution to the total loan amount of the lender financial institution is calculated, and the composition ratio is excessive. When a customer with a specific item applies for a loan as a real collateral for the specific item, the loan limit is provided to the customer terminal without acknowledging the collateral value as 100% and the loan limit obtained by differentially evaluating each component ratio. How to manage stock loans in management system. Communication unit for communicating with the customer terminal, financial institution server, securities company server; Acquisition of securities consignment account information from the customer terminal, and based on the securities consignment account information obtained by the differential evaluation based on the ratio of loans for each item calculated using the total customer information on the collateral value of the customer's holdings loan risk management criteria A loan application registration unit for calculating a loan limit by applying a loan application and receiving a loan application amount from the customer terminal within the loan limit; Loan execution unit for approving the loan application amount received and remittance to the securities trust account of the customer to execute the loan; And When the collateral items of the loan executed are calculated for each item of the total items held by all lenders of the lending financial institution to the total amount of loans of the lending financial institution, the items that are not available for purchase or A loan management unit that manages loan risk by designating a non-holding item or restricting a portfolio; Stock purchase fund loan management server comprising a. The method of claim 13, The loan application register recognizes 100% of the collateral value of the customer's owned item when the item in the consigned account provided as collateral by the customer who applied for the loan for the first time for a certain period is concentrated as a certain item. Equity loan management server, characterized in that to calculate the loan limit by differential evaluation based on a certain ratio. The method of claim 13, The loan application register differentiates the collateral value of the stock held by the customer according to whether or not the item provided as collateral by the customer who applied for the loan for the first time is designated as the credit item of the securities company, and the loan application customer uses the securities company. Equity loan management server, characterized in that to calculate the loan limit obtained by grasping the credit amount. The method of claim 13, The loan application register calculates, based on the collateral value of the stock held by the customer, the composition ratio of each item owned by all lending customers of the lending financial institution to the total loan amount of the lending financial institution, and specifies that the composition ratio is excessive. When a customer with an item applies for a loan as a real collateral for the specific item, the stock purchase fund loan management server, which calculates the loan limit obtained by differentially evaluating the value of the collateral by component ratio without acknowledging the collateral value as 100%. . Communication unit for communicating with the customer terminal, financial institution server, securities company server; Acquisition of securities consignment account information from the customer terminal, and based on the securities consignment account information obtained by the differential evaluation based on the ratio of loans for each item calculated using the total customer information on the collateral value of the customer's holdings loan risk management criteria A loan application registration unit for calculating a loan limit by applying a loan application and receiving a loan application amount from the customer terminal within the loan limit; Loan execution unit for approving the loan application amount received and remittance to the securities trust account of the customer to execute the loan; And The loan management unit for managing the loan risk by automatically counter-sales only a specific item within a certain mortgage ratio when the mortgage ratio of the executed loan, the mortgage ratio decreases due to the falling prices of the particular item held by the customer; Stock purchase fund loan management server comprising a. The method of claim 17, The loan application register recognizes 100% of the collateral value of the customer's owned item when the item in the consigned account provided as collateral by the customer who applied for the loan for the first time for a certain period is concentrated as a certain item. Equity loan management server, characterized in that to calculate the loan limit by differential evaluation based on a certain ratio. The method of claim 17, The loan application register differentiates the collateral value of the stock held by the customer according to whether or not the item provided as collateral by the customer who applied for the loan for the first time is designated as the credit item of the securities company, and the loan application customer uses the securities company. Equity loan management server, characterized in that to calculate the loan limit obtained by grasping the credit amount. The method of claim 17, The loan application register calculates, based on the collateral value of the stock held by the customer, the composition ratio of each item owned by all lending customers of the lending financial institution to the total loan amount of the lending financial institution, and specifies that the composition ratio is excessive. When a customer with an item applies for a loan as a real collateral for the specific item, the stock purchase fund loan management server, which calculates the loan limit obtained by differentially evaluating the value of the collateral by component ratio without acknowledging the collateral value as 100%. . Communication unit for communicating with the customer terminal, financial institution server, securities company server; Acquisition of securities consignment account information from the customer terminal, and based on the securities consignment account information obtained by the differential evaluation based on the ratio of loans for each item calculated using the total customer information on the collateral value of the customer's holdings loan risk management criteria A loan application register to calculate a loan limit by applying a loan application to receive a loan request amount from the customer terminal within the loan limit; Loan execution unit for approving the loan application amount received and remittance to the securities trust account of the customer to execute the loan; And A loan management unit that manages loan risk by evaluating items held by the customer in the consignment securities account at the time of loan extension after determining the loan extension; Stock purchase fund loan management server comprising a. 22. The method of claim 21, The loan application register recognizes 100% of the collateral value of the customer's owned item when the item in the consigned account provided as collateral by the customer who applied for the loan for the first time for a certain period is concentrated as a certain item. Equity loan management server, characterized in that to calculate the loan limit by differential evaluation based on a certain ratio. 22. The method of claim 21, The loan application register differentiates the collateral value of the stock held by the customer according to whether or not the item provided as collateral by the customer who applied for the loan for the first time is designated as the credit item of the securities company, and the loan application customer uses the securities company. Equity loan management server, characterized in that to calculate the loan limit obtained by grasping the credit amount. 22. The method of claim 21, The loan application register calculates, based on the collateral value of the stock held by the customer, the composition ratio of each item owned by all lending customers of the lending financial institution to the total loan amount of the lending financial institution, and specifies that the composition ratio is excessive. When a customer with an item applies for a loan as a real collateral for the specific item, the stock purchase fund loan management server, which calculates the loan limit obtained by differentially evaluating the value of the collateral by component ratio without acknowledging the collateral value as 100%. . 22. The method of claim 21, After the loan management unit remits the loan application amount to the customer terminal, the information on the securities trust account is databased using the web screen strapping technology, and the loan repayment history inquiry, customer information change, and loan limit increase are periodically performed based on the database. Stock purchase fund loan management server, characterized in that for managing the application, loan extension application.

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