KR101194962B1 - Management system for financial delinquency - Google Patents

Abstract

The comprehensive bond management support system proposed in the present invention has various technical characteristics, preferably 1) overcoming the limitations of sales force due to the expansion of the civil bond market, and 2) the preemption of fixed and undefined bonds. Maximizing commitment and collection, 3) securing high-quality bonds in accordance with the delegation of legal experts, 4) implementing manual management of bond management, manuals for acquisition, evaluation and management of bonds, and 5) customer analysis. Can predict market direction, 6) enhance transparency of bond management, 7) secure various customers using cyber market, 8) predict failure through debt collection management, 9) basic Cost reduction and work efficiency can be realized through systematization of the manual, and 10) sales, acquisition, management, and collection can be processed collectively.

Description

Comprehensive Bond Management System {Management system for financial delinquency}

The present invention relates to a comprehensive debt management support system, and more specifically, a customer directly registers information such as basic information matters, cause documents of a bond, and a final decision online, and manages and collects bonds based on such various information. And a comprehensive debt management support system that enables legal counseling and the like.

As is well known, there are many types of bonds, such as credit cards, general loans, and real estate mortgages, but in broad terms, there are two types of bonds. In order for these bonds to expire normally, the debtor pays interest at a contracted or variable interest rate on a monthly basis or quarterly basis, and the loan expires upon repayment of the loan by the end of the term. This post-extinction bond does not require any special follow-up management, but if it turns into a bad debt, it will require special management in addition to general management.

On the other hand, a bad debt generally means a bond that has not been paid normally or the principal has not been paid on the date of interest payment or payment. In the case of such bad debts, follow-up management depends on the existence of collateral.

Unsecured bad debts have a higher probability of recovery because they have less risk than unsecured bad debts, whereas unsecured bad debts have a lower chance of recovering than unsecured bad debts. In the case of non-payment of collateral loans, the collateral is recovered by auctioning the security right through a court of law or transferring ownership.

In this way, the follow-up management of collateral loans depends on the amount of the collateral. If the amount of collateral disposal is greater than or equal to the amount of the bond, the full amount of the bond will be repaid, but if it is less than the amount of the bond, only a part of it will be repaid. From this point on, it is managed in the same way as general unsecured bad debts, but it is more difficult to recover than if it were unsecured bad debts from the beginning. This does not change the management method.

For example, in the case of general unsecured bad debts, financial institutions manage debts in the form of guidance or low strength for short-term delinquents. However, after a period set by a financial institution, the intensity of bond management increases, and the longer the delinquency period becomes, the harder it is to recover. As a result, when the collection is determined to be opaque, provisions for bad debts are accumulated and amortization of bonds that cannot be recovered eventually.

For these bonds, the creditor urges them to pay off some of their amounts. In the end, even unsecured bad debts are sold at a low price. In 1997, domestic banks sold about 2-20% of their principals in the form of domestic banks.

On the other hand, as described above, after the delinquency is delinquent, the debtor enters management. Usually, the bond management employee pays the delinquent payment by using a telephone call and pays the delinquent debt for two to three months. The main task is to ask for a request, and a bond with 3 to 6 months in arrears is called a medium-term bond.

By the way, in the conventional method of managing bonds by the management staff, the management staff often do not know the legal system properly, and they are rarely familiar with the effective collection method. Is a form of payment. In this case, the management staff is likely to be concerned only with the large amount of bonds or with regard to which the collection is convenient because the allowance can be easily obtained. As a result, other bonds are often left unattended, which is very unreasonable for the creditor or the financial company.

In addition, if the debt management staff does not properly grasp the debtor's property status due to legal and business ignorance, it will be difficult to recover the debtor, making it difficult to effectively carry out the collection business, and foreclosure of the debtor's assets by other creditors. In some cases, debt collection may become impossible.

In addition, due to frequent turnover of the bond management staff, it is impossible to recover the bonds.In addition, the new staff re-issues the information (for example, the debtor's registration, copy, etc.) of the former staff. As in the case of receiving, there is also a problem of double costs. In addition, if the employee in charge of the collection, such as intoxication, verbal abuse, intimidation, etc. for the collection of the bonds, there was a disadvantage that the complaints of the financial company or the corporate image was damaged.

In addition, there is a limit of growth because conventionally relying on the ability of each member rather than the organization of the organization for the collection of bonds, there is a disadvantage that the collection of bonds is not properly performed due to the lack of organizational control and sense of responsibility. In addition, since the creditor and the debtor are directly contacted in an off-line manner, there is a disadvantage in that it takes a lot of money and time to recruit and verify the performance due to the scarcity and frequent movement of excellent sales or collection personnel. .

The present invention is to solve the above-mentioned conventional problems, to provide a comprehensive bond management support system to efficiently manage and recover the bond by incorporating the online bond collection system to the offline sales and collection and management. There is a purpose.

In addition, the present invention is to provide a comprehensive debt management support system that can expand the customer domain by applying online marketing, and expand the potential customer group through prior customer management including creditors who do not have enforcement rights in addition to civil bonds have.

Another object of the present invention is to establish a data such as debt analysis and insolvency prediction, customer analysis (CRM), business management (ERP), etc. through the transaction management ledger, comprehensive debt management that can implement the commercialization of system solutions and module solutions In providing a support system.

The present invention provides a customer management module that performs functions such as membership authentication, customer information, contract management, data conversion; A transaction management module for performing functions such as customer relationship, business management, debt appraisal, and accounting; A bond management module that applies a virtual desktop method to prepare bond management, collection of bonds, reports of bonds, forms of price estimates, etc., and performs advisory functions; A credit information service module that performs functions such as credit information, complaint counseling, complaint issuance, and form provision; It is characterized by including a litigation / preservation management module that implements the functions of law firms and business interworking services to manage litigation counseling, property investigation, litigation and settlement.

The present invention can secure a wide range of customers by expanding the area of the bond market using the cyber market, and can also maximize the bond acceptance and recovery by preoccupying the bond market that does not have enforcement authority other than the civil bonds that have been determined. There is an advantage to secure high quality bonds.

In addition, the present invention is capable of collective processing such as sales, management, and collection of bonds, commercialization of a computer system utilizing the advantages of each part, and the creation and construction of data to the information of individuals or companies. It can be utilized, and it can be used in conjunction with other systems in real time with individual or corporate bond commissioner.

1 is a view showing the configuration of a comprehensive bond management support system according to an embodiment of the present invention.
2a and 2b is a view showing a sequence of a bond management on-line in the comprehensive bond management support system according to the present invention.

Hereinafter, an embodiment of the present invention will be described with reference to the accompanying drawings. In the following detailed description, exemplary embodiments of the present invention will be described in order to accomplish the above-mentioned technical problems. And other embodiments which may be presented by the present invention are replaced by descriptions in the constitution of the present invention.

The comprehensive bond management support system proposed in the present invention has various technical characteristics, preferably 1) overcoming the limitations of sales force due to the expansion of the civil bond market, and 2) the preemption of fixed and undefined bonds. Maximizing commitments and returns, 3) securing high-quality bonds by the delegation of legal experts, 4) implementing manuals for bond management, manuals for accepting, evaluating and managing bonds, and 5) conducting customer analysis. Can predict market direction, 6) enhance transparency in bond management, 7) secure diverse customers using cyber market, 8) predict failure through debt collection management, 9) basic Cost reduction and work efficiency can be realized through systematization of the manual, and 10) sales, acquisition, management, and collection can be processed collectively.

As described above, in the comprehensive debt management support system of the present invention, an individual or a company must first register online data such as basic customer matters, cause documents of the bond, and final judgment. In this case, when a large amount of bonds or existing system data of individuals and companies are registered, registration must be done through data conversion.

In addition, the comprehensive debt management support system of the present invention can provide data such as legal advice, property and credit checks, and receive a separate usage fee if the customer is a new customer delegated the bond, and only if the existing customer If you receive a discount, or if you want to manage and collect bonds, you can convert the fee into a monthly fee, and provide management log and recovery progress in real time.

In addition, the comprehensive bond management support system according to the present invention divides the fixed and non-deterministic bonds in the claim of the bonds, and in the case of non-determined bonds, provides the legal entity with data for recovering the final decision and recovering the bonds. Indirectly obtains the authority to assist in delegation or direct collection of bonds, and to provide data commissions with law firms, so that law firms can provide on-line customer fees at low prices. In this case, in the case of a large amount of bonds, the existing system data is converted to reconstruct the bond classification, and then a database is formed through the system of the present invention, and in the case of a small amount of bonds, the database is made into the bond management system of the present invention. In addition, data on customers, management, and bond management should be established to present market forecasts and directions for use in bond sales.

In addition, the comprehensive debt management support system of the present invention is to classify and process the fixed and undetermined bonds, respectively, the legal judgment and other documents according to the collection of bonds using legal advice You can provide them with a management technique or commission them to collect the bonds and receive commissions. The non-determined judgment bond shall be handled by entrusting the litigation and preservation disposal process to a legal entity and receiving a collection fee for taking the bond, or providing a technique for litigation and preservation measures and collection, and receiving a management fee accordingly.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view showing the technical configuration of a comprehensive bond management support system according to an embodiment of the present invention. Comprehensive bond management support system 100 according to an embodiment of the present invention is a customer management module 10, transaction management module 12, bond management module 14, credit information management module 16, litigation / preservation management module (18), the tax management module 20 and the like.

The customer management module 10 authenticates a member by an authorized authentication method, manages a virtual account, a fee, a debtor information of a customer, customer information, etc., manages a contract by using a computer contract or documentary evidence, and converts data. And so on.

The transaction management module 12 manages customer relations and management through customer relationship management (hereinafter referred to as "CRM") or business management (enterprise resource planning: referred to as "ERP"). The company evaluates the bonds through bad loan forecasting and prepares and accounts for monthly closing reports for customers. At this time, asset soundness and insolvency prediction are judgments on bonds held by a company that is operating normally, a company that is in poor condition, a company in bankruptcy or rehabilitation, or a credit information company.

The bond management module 14 applies a virtual desktop method to prepare bond management, collection of bonds, reports of bonds, forms of market price estimates, etc., and performs an advisory function.

The credit information management module 16 performs functions such as credit information, complaint counseling, complaint issuance, and form provision, and the litigation / preservation management module 18 implements a lawyer's business and interworking services to manage legal counsel. It also manages property investigations, litigations and settlements. And the tax management module 20 performs a function of managing the tax invoice issuance and management, report forms and forms, and the like.

Referring to FIG. 1, the customer management module 10 supports a bond-related virtual account and debtor information after inputting customer information through membership authentication for an individual, a company, and a corporation. Calculate your system usage fees, collection fees and membership fees. At this time, the documents related to the contract management can be stored in the system of the present invention through online or offline, and in the case of a large amount of bonds in the case of requiring a bond, the data is processed in a batch through conversion. In addition, when the customer wants to recover the bonds directly, the customer may find out the nature of the bonds, provide collection advice, form and property investigation, etc., and collect the bonds by applying the system of the present invention. In addition, it provides information to customers by processing bond management and collection in real time, and provides services such as CRM and ERP through customer and bond analysis. In this case, it is preferable to receive a membership subscription fee for short-term customers, and a membership management fee for mid- and long-term customers.

The above-described transaction management module 12 provides the data registered by the customer through the inaccurate prediction system for the customer desired data, analyzes the customer management ledger, and evaluates the bond based on asset soundness and debt classification criteria, Analyze transactions related to bond management and recovery to forecast CRM and ERP. In addition, in case of a large amount of bonds, it is possible to evaluate the bonds through the transaction management ledger and to predict the debt recovery target of an individual or a company according to the bond classification. In the case of a small amount of bonds, the transaction management ledger can have systematic data on the management and recovery of the bonds, and the asset valuation, expected recovery, and classification of bonds due to the transaction management ledger, legal action, accounting closing (total account) And various analysis and management information support.

On the other hand, the insolvency forecasting system mentioned above measures the quality of assets according to the criteria set by the Director of the Financial Supervisory Service in order to maintain the soundness of assets held by financial institutions. Classify into five levels. In this case, the asset quality is used to determine a normal company (eg, a good capital firm) that is normally operated. In other words, the 'normal, fixed attention' is mainly applied when judging a good company, the 'question recovery, estimated loss' is mainly applied when judging a poor company.

In terms of the asset quality, “normal” means overdue loans of less than three months, which have good financial transactions, credit status and management, and overdue credits of less than three months, but with sufficient debt repayment ability. Total loan to the customer. In addition, "caution" means overdue credits of three months or more and less than six months, and refers to total credits to customers who require more than ordinary care in follow-up in terms of financial transactions or credit status. The term "fixed" refers to a credit overdue for more than six months, which is the estimated credit value from the total loans to customers who need to take specific recovery measures or management methods due to poor financial transaction, credit status and management. . The "collection question" is an overdue credit of six months or more, and refers to a loan exceeding the estimated recovery value that is expected to cause a loss or cannot be confirmed at present. The "estimated loss" is an overdue loan of 18 months or more, and refers to a loan exceeding the estimated recovery value, which is unavoidable because it is impossible to recover from the total loan amount for the fixed customers.

On the other hand, the above-mentioned "estimated loss and recovery question" criteria are classified as similar bonds according to the condition of the bonds and the concentration of work in the classification of bonds, which are classified into intensive management, recovery focus, mass management, and small collection bonds.

In other words, the status of bonds is assessed by loans, etc., to determine whether the expiration date has expired, whether or not there is a cause for the bond, documents related to collateral, and valuation documents. Due diligence, confirmation of the presence of a third party building, and grasping unauthorized possession. It is also advisable to adopt a method of checking advance payments (payments) and adding them to loans.

The centralized management bond refers to bonds that have been processed and terminated (or won) in other litigations (cancellation, etc.) by estimating the market price of the bonds legally acted on the security bonds and found property. In this case, bonds with effective value shall be sorted and allocated in order of effective value, and bonds without valid value shall be sorted and allocated based on bond principal.

The recoverable-weighted bonds refer to bonds that have obtained the name of the debt, unsuccessful litigation, and bonds in which the aging comes.

The massive management receivable refers to a debtor, a parcel (aging, etc.) and credit recovery, a debtor whose repayment is in progress during personal rehabilitation, other deaths, foreign immigrants, and other unrecoverable (conciliation, bankruptcy, etc.).

The said small collection receivable refers to the case where the amount of the receivable is small, which refers to the receivables and centralized management receivables classified as small receivables at the time of receivables.

Meanwhile, in the present invention, the quality of assets is classified according to the criteria set by the Financial Supervisory Service mentioned above. In addition, the quality of assets is classified by conventional methods. This is shown in detail in Table 1 below.

Asset health level Common term classification



normal  When business is closed or closed due to the business status of the borrower (below fixed)  Credits under legal proceedings such as execution of security right, application for payment order, lawsuit for loan payment, enforcement, etc.  Non-compliant loans (less than fixed)  Companies, bankruptcies, and financial orderers (under fixed) who have over 6 months of overdue payments over KRW 15 million due to the contents of the bad credit information;  When the delinquent information is registered due to poor borrower's credit status (less than fixed)  Deficiency in the last three consecutive years (Note)  Shutdown for more than 3 months (please note)  Full encroachment on paid-in capital as of the last settlement date (Note)  If the total loan amount of one or two financial sectors is higher than the sales amount (Note)  When internal trouble including inheritance occurs in management of company (attention)  Credit that receives interest over the standard interest rate (commercial bank prime rate) for beneficiaries of normalized finance and voluntary management companies as specified in the Bank Credit Management Enforcement Regulations.

Watch out  Companies under reorganization procedures (including applications) under process (fixed or below)  Operation stops for more than 3 months (less than fixed)  Total loan encumbrance + total amount of loans in one or two financial sectors compared to sales (less than fixed)  Loans that fall below the fixed term in the period classification but are classified as caution  When the autonomous restructuring agreement is approved during the real estate PF loan  Companies in process of reconciliation in accordance with the Reconciliation Act Fixed (based on estimated recovery price) Real estate: Land ⇒ 100% of public land price, building ⇒ 100% of new construction price list
Apartment, Other⇒70% of market price, auction in progress⇒ Final law market price Question of collection  Credits exceeding expected recovery value during fixed-class loans
Estimated loss  Loss of security due to litigation + inability to repay or repay Borrower and guarantor  Remaining or incapacitated bonds after the completion of legal procedure + possibility of situation ×  Due to bond or collateral damage  When the debtor's property cannot be found for more than one year after the collection question

Meanwhile, the above-described bond management module 14 supports the management of aging, legal measures, market price estimates, property investigations, etc. through bond management through a system monitor (eg, virtual desktop) method, and accounts receivable according to bond collection. Provide various reports and tally tables as a treatment operation. In addition, we provide various forms and recovery advice for customers who do not go through a law firm.

The credit information management module 16 preferably provides data by interworking with a general credit information company, and enables the user to modify the information on the existing data.

The litigation / preservation management module 18 is divided into two categories, one for the case of non-deterministic bonds and the other for the case of firm judgment. In the case of the final judgment, if the client wants to recover the debt, the legal analysis and other documents related to the collection of the debt are provided through debt analysis and legal advice. In the case of the non-determined bond, the law firm is responsible for identifying and using the creditor's credit information and property investigation for the lawsuit until the application and completion of the lawsuit.

The tax management module issues tax invoices for expenses and assists in reporting the tax relations of customers to the tax office.

Finally, the legacy system 22 and the CRR 24 and the ERP 26 corresponding to the general computing system of the enterprise are connected with the comprehensive debt management support system 100 of the present invention. In addition, the DB 28 is connected to the system 100 of the present invention and corresponds to a database in which various kinds of information are stored, and the WAS 30 corresponds to a conventional Internet firewall. The system 100 of the present invention is connected to the legal corporation system 32 and the bank system 34.

2 is a flowchart showing a method of managing a bond on-line sequentially in the comprehensive bond management support system according to an exemplary embodiment of the present invention. Hereinafter, the bond management method of the present invention will be described in detail with reference to FIGS. 1, 2A, and 2B.

As shown in FIG. 2A, first, when an individual or a company registers as a customer through an authorized authentication method (step S1), in the comprehensive debt management support system, as described above, when the bonds are small and large. It converts each data into a database and stores it in the database. Also, it modularizes and rebuilds the whole system. At this time, when the customer is registered in the step S1, the system of the present invention checks whether the customer is a short-term customer such as legal counsel or property investigation or a customer who needs recovery and management.

Then, it is determined whether the customer registered in the step S1 is a new customer (step S2). If it is determined in step S2 that the customer is a new customer, a fee is generated to the customer (newly registered individual or company) (step S3), and in step S5, transaction management such as CRM, ERP, and insolvency prediction is performed. That is, in step S5, the transaction management DB such as customer analysis and business management is rebuilt, and the bonds are classified and analyzed for bond management and recovery. In this case, if it is determined in step S2 that the customer is not a new customer, a request is made to pay a certain management fee (monthly fee) to the existing customer (step S4).

In the case of a small amount of the bond requested by the customer in step S5 proceeds directly to the bond management step (step S6), and when the bond is a large amount, the bad prediction system is driven in step S7. In step S7, the degree of asset soundness (normal, expected, fixed, questionable recovery, estimated loss) is identified according to the criteria set forth by the Director of the Financial Supervisory Service mentioned above and the criteria set forth in Table 1. The normal and critical are identified at step S8, and the fixation, estimation, and recovery are determined at step S9.

In step S7 to step S9 described above, after grasp the asset quality of the mass bonds, and then proceeds to step S6. In step S6, and enters the bond management, and in step S10 determines whether the customer directly collects or commissioned the bond. If you want to recover directly in the step S10 to generate a fee to the customer through the steps up to now (step S11), give the legal advice and form to the customer (step S12), and introduce lawyers and lawyers (Step S13), and examines the debtor's property (Step S14).

When the customer wants to entrust the customer without directly recovering the bond in step S10, it is determined in step S15 whether the bond has an enforcement right as shown in FIG. 2B. If it is determined in step S15 that the executive right is obtained, a predetermined usage fee is generated from the customer (step S16), and delegated to an institution (for example, a national credit information company) adopting the comprehensive debt management support system of the present invention ( In step S17), the agency performs the dunning and legal procedures (step S18), and recovers the bond (step S19).

If it is determined in step S15 that there is no enforcement authority, it is determined whether the lawsuit and the preservation disposal are possible in step S20. If it is determined that the lawsuit and the preservation disposition are possible in step S20, a fee is generated to the customer (step S21), and a lawyer and a lawyer are appointed (step S22). In other words, in the case of non-committed bonds, the client acquires enforcement authority from the time of new registration, and supports the comprehensive debt management support system from the time of collection (direct and indirect), and does not delegate to the legal entity and credit information (execution authority). If not, they can pay monthly fees and fees and receive services.

At this time, if it is determined that the lawsuit and the preservation disposition is impossible in the above-described step S20, the legal action is completed in the step S23.

Claims (3)

In the comprehensive debt management support system,
In order to maintain the soundness of assets held by financial institutions, an insolvency forecasting system that classifies the soundness of assets into five levels of 'normal, attention, fixation, question of recovery, and estimated loss' according to the criteria set by the Director of the Financial Supervisory Service. To;
A customer management module that manages member authentication and virtual accounts, fees, customer debtor information, customer information, manages contracts by computerized contracts or supporting documents, and performs data conversion processing;
Provide the data registered by the customer through the inaccurate forecasting system by the customer through the above-mentioned insolvency prediction system, evaluate the bonds based on asset soundness and bond classification criteria by analyzing the customer management ledger, and conduct transactions according to the bond management and collection A transaction management module for analyzing and predicting customer satisfaction management and management;
It supports the aging, legal measures, market price estimates and property investigation through debt management through the virtual desktop method, and provides various reports and tabulations by operating accounting process according to the collection of bonds. A bond management module that provides forms and provides recovery advice;
A credit information service module for performing credit information, civil counseling, civil complaint issuance, and form providing function by interworking with a normal credit information company;
In the case of a firm judgment, if the client wants to collect it directly, he / she provides legal action and other documents through debt analysis and legal advice.In the case of non-deterministic bonds, the law firm is responsible for applying and completing the litigation. Comprehensive debt management support system comprising a litigation / preservation management module that grasps the credit information and property investigation used in litigation, and processes the collection of bonds in conjunction with credit information companies after the final decision. delete delete

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