KR101171379B1 - Method and System for Providing Early Warning Service - Google Patents

Abstract

The early warning service system applies the system target register that registers household SOHO credit customers under certain conditions as early warning targets, and applies the predefined multiple selection rules to household SOHO credit customers to determine the possibility of potential insolvency. A system class processing unit for selecting a notification target of the; And a system action processing unit for setting the action items to be matched according to the selection rule, the security type and the type of the credit for the selected notification object, and generating an early warning history including the set action items to notify the sales office managing the selected notification object. Include.

Early Warning, Corporate Early Warning, Household Soho Early Warning, System Rating

Description

Early Warning Service System and Method {Method and System for Providing Early Warning Service}

The present invention relates to an early warning service system and method for early selecting and managing a company that is likely to become a poor company.

The bank's early warning system refers to a series of procedures aimed at maintaining the soundness of the current credit assets and minimizing bad loans by strengthening credit management by early selecting potential companies.

In general, the corporate early warning system grades reviews based on certain conditions such as the borrower's risk characteristics and credit information, targeting companies with over 1 billion corporate credit ratings. Notify me.

While there is a corporate early warning system for each of these bad sign companies, there is no early warning system for a large number of household SOHOs, leading to the need for early warning of household SOHOs. there was.

Existing banks have a follow-up management system that determines when households are overdue and decides if they are overdue.

This post-management system requires a lot of manpower and time to be manually inspected by the bank employee and informs the branch office of household Soho, which has a higher number of borrowers than a corporation, and the bank is also likely to be insolvent in household Soho loans. It is true.

In order to solve such a problem, the present invention is to provide an early warning service system and method for performing early warning for household LoHo credit account.

An early warning service method according to a feature of the present invention for achieving the technical problem comprises the steps of registering a household-type LoHo credit account under a certain condition as an early warning target; Determining potential insolvent potential based on a predetermined selection rule of a plurality of items for the household type SOHO credit account, and assigning each degree of insolvent possibility to each item selection rule; Setting measures to be matched according to the selection rule, the type of collateral, and the type of credit for the credit account selected from the household LoHo credit account to be notified of the early warning; And notifying the branch office managing the credit accounting account of the early warning details including the set measures.

An early warning service system according to a feature of the present invention comprises: a system target registration unit that registers a household type SOHO credit account under a predetermined condition as an early warning target; A system grade processing unit for selecting a notification target for early warning by determining a possibility of potential insolvency by applying a predetermined selection rule to the household type SOHO credit customer; And setting an action item that matches the selected notification object according to the selection rule, the security type, the credit type, and the characteristics of each credit type, and generating an early warning history including the set action information to notify the sales office managing the selected notification object. It includes a system action processing unit.

By the above-described configuration, the present invention can automatically establish an early warning system for a plurality of household-type SOHO credit accounts to prevent the possibility of potential insolvency.

The present invention can reduce the possibility of the limit management and the possibility of insolvency of the credit account by referring to the early warning details of the household LoHo credit account from the personal credit examination unit.

The present invention can be utilized in the collection activity for the overdue credit account by referring the early warning details of the household-type LoHo credit account from the bond management department.

The present invention can be utilized in marketing activities by referring to the early-warning history of the household LoHo credit account in the LoH-related CRM.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise.

1 is a block diagram schematically showing the configuration of an early warning service system according to an embodiment of the present invention.

The early warning service system 100 according to the embodiment of the present invention includes a system target register 102, a branch register 104, a system grade processor 106, and a system action processor 108.

The system target registration unit 102 automatically registers an early warning target for a household-type SOHO credit account of over 50 million won and less than 1 billion. Here, the total credit includes the total limit of all corporate credits (including loans, payment guarantees, purchase cards) and the total limit of corporate cards (including corporate cards held in the employee's name) handled by the household SOHO borrower.

The branch registration unit 104 registers the household type SOHO credit account for which the branch 200 is expected to change credit related to credit risk and operating risk as an early warning target.

The system grade processing unit 106 determines a credit status change and potential insolvency by applying a predetermined selection rule to a plurality of household-type SOHO credit accounts.

Here, the selection rule is composed of a plurality of items, as shown in Figure 2, rule code 600, rule usage 610, rule category 620, rule strength 630, rule description 640 for each item It includes. The selection rule is a statistically determined item for quantifying information and qualitative information (eg, information obtained through credit management, post management and risk management) for system determination.

Dividing the rule category 620 into common categories includes situational capabilities, credit ratings, multiple debts, arrears, insolvency signs, fraud risks, legal risks, regulatory management, and other variation and warranty risks.

The system class processing unit 106 applies the health rule and the extension rule separately and applies the health rule when the expiration date exceeds 60 days, and applies the health rule and the extension rule within 60 days after the expiration date.

The system grade processing unit 106 is an indicator that indicates the degree of insolvency for the household-type SOHO credit account corresponding to the early warning target, and then applies a selection rule to red and orange grades in the order of the high insolvency. , Yellow, Green level. Here, the red grade is a credit account corresponding to a rule having a high possibility of insolvency or bankruptcy and is subject to notification to the branch 200, and the orange grade is a red credit as a credit account corresponding to a rule having a high probability of insolvency or bankruptcy. A credit account with a high probability of transfer. Here, the orange grade may be subject to notification to the sales office 200 in the case of the household-type LoHo credit account registered in the branch register 104, and the yellow grade is more likely to occur than the green grade although there is no possibility of insolvency or bankruptcy. A high credit account, and a green grade refers to a credit account that does not show signs of insolvency or bankruptcy.

Each item of the selection rule is divided into four grades, and a reference value dividing the grades of four levels is generated differently based on the history of the owner and the bad data history.

When the system grade processing unit 106 determines the degree of insolvency to be a red grade, the red rule object is classified into 'action', 'recommendation', 'confirmation', and 'guarantee' level of the risk level 630 of the risk level. Notify the branch 200 of the risk level when it occurs.

Here, the 'action' is a rule that is considered to have occurred a serious degree of insolvency corresponding to the obligation to repay debt before the deadline, such as the basic terms of the bank credit (business), and the 'recommendation' is due to a significant reason for credit status When it arrives, the rule is considered to require the increase of interest rate and interest rate, and the 'confirmation' is the rule which is considered to be required because of the reason that affects the credit status or the security of collateral bonds. Is the level of risk that the joint guarantor is given the same identity as the borrower when insolvent information occurs.

The risk level is determined in the order of Action> Recommendation> Confirmation> Assurance. For multiple credit risks, the risk level is set as the higher level between the existing risk level and the additional risk level.

The system action processing unit 108 sets an action that is matched according to the characteristics of the selection rule, the collateral type, and the credit type, for the household-type SOHO credit account that received the red grade through the selection rule and the system grade. Here, the action items include an action code 700 composed of a plurality of items, an action category 710, and an action description 720 as illustrated in FIG. 3A.

In other words, the system action processor 108 sets a plurality of action items based on the action matching table according to the characteristics of each collateral type and the credit type based on the selection rule of each item for the household-type LoHo credit customer who received the red grade. . Here, in the action matching table, as shown in FIG. 3B, action items corresponding to the rule code 600 are matched.

The system action processor 108 notifies the sales office 200 of the risk level, the system grade, the action items, and the reason for the selected selection rule for the household-type LoHo credit account whose system grant grade is a red grade.

If the red grade occurred in the system grade in the household-type LoHo credit account, which is notified, additional measures are taken as shown in [Table 1] below.

The system action processing unit 108 suspends the notification of the selection rules and measures to the household-type LoHo credit account if it is consistently and repeatedly applied within a short period of time. The grace period is, in principle, 60 days after the early warning activities.

The system action processing unit 108 does not notify the user when the same action occurs when the same selection rule occurs according to the grant period, and notifies the corresponding additional action when a different action occurs.

The system action processing unit 108 corresponds to the selection rule for the household-type LoHo credit account registered by the sales office 200 due to anticipated credit change, and grants a red grade to a system grant grade of red grade and orange grade. Notify the branch 200 of the risk level, system class, action items, and reason for the applicable selection rule.

The system action processing unit 108 may notify the branch 200 about the risk level, system grade, action items, and the reason of the selected selection rule for the household-type LoHo credit customer whose system grant level is red, and the personal credit examination unit 300. , Together with the bond management department 400 and SOHO related Customer Relationship Management (CRM) 500.

The personal credit examination unit 300 utilizes the early warning details of household-type SOHOs in credit new and extended examinations to refer to the credit examination, and manages limits on household-type SOHO credit accounts and reduces the possibility of insolvency.

The bond management department 400 utilizes the early warning details of the household-type SOHO when managing the overdue credit, and utilizes the collection activity for the overdue credit account.

Soho-related CRM 500 is used for marketing activities using the good information and bad information generated through the selection rule.

4 is a diagram illustrating an example of an early warning service method using an early warning service system according to an exemplary embodiment of the present invention.

The system target registration unit 102 automatically registers an early warning target for a household-type SOHO credit account with a total loan of 50 million won or more and less than 1 billion (S100).

For example, a restaurant owner, 'A', has a loan with a mortgage and a joint guarantee, has a limit of over 99%, and has a maximum of 20 days of overdue in the last six months.

The system grade processing unit 106 determines the degree of credit status change and potential insolvency by applying a rule that considers the limit exhaustion rate and the delinquency days of the passbook loan among the predefined selection rules for 'A' registered as an early warning target. The degree of likelihood is given a red grade (S102, S104). In addition, the system grade processing unit 106 generates insolvency information corresponding to debt repayment under the terms of the agreement, and selects the risk level of the borrower as the 'action'.

The system action processing unit 108 generates an early warning history by setting the action items corresponding to the selection rule, the collateral type, and the credit type for the household-type LoHo credit account that has received the red rating (S106), and generates the generated early warning details. The shop 200, the personal credit examination unit 300, the bond management department 400, and soho-related CRM 500 is notified (S108). Here, the early warning details include the risk level, system class, action items, and reasons for the selection rules for the household-type LoHo credit account that is a red grade.

For example, the set action items are as follows.

1. [Notice of deadline gains and review of recovery procedures (not yet reached)] Cause of credit deterioration 2. Re-validate effective collateral [validated collateral] to check whether credit portion has increased, 3. [ If the effective collateral is insufficient, consider replacing the collateral or acquiring additional collateral when the effective collateral is insufficient (mortgage lending), and 4. [check the infringement matters related to rights (copy the register, etc.]]. Check whether there is any violation of rights such as seizure or provisional disposition, and 5. [check whether or not to secure the collateral for security], check whether the insurance is secured, whether pledge is established, or whether the insurance period is maintained. Notify that when the maturity arrives, the company may enter more than the regular rate of incorporation.

1, 6, and 7 described above are measures to be taken in consideration of the characteristics of the borrower and 2, 3, 4, and 5 in consideration of the security characteristics.

The embodiments of the present invention described above are not implemented only by the apparatus and / or method, but may be implemented through a program for realizing functions corresponding to the configuration of the embodiment of the present invention, a recording medium on which the program is recorded And such an embodiment can be easily implemented by those skilled in the art from the description of the embodiments described above.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

1 is a block diagram schematically showing the configuration of an early warning service system according to an embodiment of the present invention.

2 is a view showing an example of a selection rule composed of a plurality of items according to an embodiment of the present invention.

3A illustrates an example of an action item according to an exemplary embodiment of the present invention.

3B illustrates an action matching table according to an embodiment of the present invention.

4 is a diagram illustrating an example of an early warning service method using an early warning service system according to an exemplary embodiment of the present invention.

Claims (11)

A method for performing an early warning service by an early warning service system including a system target register, a system class processor, and a system action processor, Registering the household type SOHO credit account whose total credit is less than or equal to a predetermined amount; Determining, by the system grade processing unit, the possibility of potential insolvency on the basis of a plurality of item selection rules defined for the household type SOHO credit account, and classifying the degree of insolvency possibility for each item selection rule; The system class processing unit classifying the red grade, the orange grade, the yellow grade, and the green grade in the order of the high possibility of insolvency, and selecting a credit account corresponding to the red grade from the classified grades as a notification target of the early warning; Setting, by the system action processing unit, a corresponding action item according to the selection rule, the type of collateral, and the type of credit for the credit account selected as the notification target of the early warning; And Notifying, by the system action processor, the branch office managing the credit account account of an early warning history including the set action items; Early warning service method comprising a. delete The method of claim 1, The step of setting the action, Generating, by the system action processor, a plurality of action items by matching each item selection rule of the plurality of item selection rules according to the type of collateral and the type of credit; Early warning service method comprising a. A system target register that registers an household-type LoHo credit account whose total credit is less than or equal to a predetermined amount; The possibility of potential insolvency is determined based on a predetermined selection rule of a plurality of items, and then classified into red, orange, yellow, and green grades in the order of the high likelihood of insolvency, and early warning of credit accounts corresponding to the red grade A system class processing unit for selecting to be notified of the notification; And A system for setting an action item that matches the selected notification object according to the selected rule, security type, and credit type, and generating an early warning detail including the set action item and notifying the branch to manage the selected notification object. Action processor Early warning service system comprising a. delete delete 5. The method of claim 4, And the system action processor generates the early warning details by matching a plurality of action items according to the security type and the credit type according to each item selection rule of the predefined plurality of item selection rules. 5. The method of claim 4, The system grade processing unit is an early warning service system that notifies the risk level of the red level by dividing the risk level into 'action', 'recommendation', 'confirmation' and 'guarantee' status according to the degree of insolvency when the red grade occurs. . 5. The method of claim 4, Each item selection rule of the predetermined plurality of items selection rule is applied to the soundness rule when the expiration of a certain period of time exceeds the predetermined period, and the soundness rule and the extension rule, if within a certain period of time of expiration. 5. The method of claim 4, The system class processing unit determines whether to grant the additional measures according to whether or not the grace period for the same rule and the same as the previously announced measures when the additional measures to the credit account of the red grade occurs. Alarm service system. 5. The method of claim 4, The system action processing unit manages a credit relationship department that performs a credit check, a credit management department that collects overdue credit accounts, and a soho-related customer relationship management that performs a credit check when the generated early warning is notified to the branch. Early warning service system that notifies together with Customer Relationship Management.

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