KR101696356B1 - System and method for loan transaction using security - Google Patents

Abstract

A lender transaction system and method thereof are disclosed. Wherein the lending transaction system comprises a loan pool setting module for setting a collateral object loanable for inclusion in a lending pool for lending transactions for a collateral item set as collateral by a loan received by the lender, And a control module for, in response to the stock borrowing request corresponding to the collateral item, lending at least a part of the amount corresponding to the stock borrowing request among the collateral borrowable stocks included in the loan pool.

Description

{System and method for loan transaction using security}

The present invention relates to a lender transaction system and a method for providing the lender transaction system using the lender, and more particularly, it relates to a lender transaction system and a method for providing the lender commission, And the system is able to increase profitability due to the increase in the number of items that can be used for lending transactions in a financial institution.

Stock lending refers to a transaction in which lenders, such as securities holders or individual customers, lend securities to a borrower who needs the above securities as a part of their market investment strategy, subject to repayment after a certain period of time have. As a result of this stock-lending transaction, investors holding mid-to-long-term stocks can participate in the lending market and acquire additional income (for example, It is possible to carry out various investment strategies with cost.

FIG. 1 is a conceptual diagram for explaining the concept of a conventional general lender transaction.

Referring to FIG. 1, generally, a lender transaction can be made through an agreement between a third party such as an intermediary institution (for example, securities company), a customer (lender), and a borrower. The brokerage agency mediates the lender transaction between the customer and the borrower. The brokerage agency can enter into a contract for lender transaction with the customer and borrow the stocks held by the customer. The borrower then makes a request for the stock to be borrowed from the brokerage agency, and the brokerage agency can lend the borrowed stock to the borrower from the client. At this time, the brokerage institution may obtain the brokerage commission from the borrower and provide at least a part of the obtained brokerage commission to the customer. In addition, the right to distribute rented shares, that is, the dividend distribution rights, may be made available to the customer by agreement.

In such a lending transaction, the demand of the lender (for example, the demand of the lender to dispose of the loan or the repayment at the desired time) and the request of the borrower (the demand that the borrower can borrow the loan stably for a certain period) The technical idea for efficiently satisfying the technical idea is a Korean registered patent (Registration No. 10-1160250, a lending transaction system and a providing method thereof) and a Korean registered patent (Registration No. 10-1226917, a lending transaction system and its provision Method).

The present specification may include technical ideas and contents described in the aforementioned Korean patents as references of the present invention.

As can be seen from the above references, it may be important to secure a stock (stock) that can be used for lending transactions, so that it can be repaid at any time desired by the lender while lending it to the borrower as much as possible. And for these needs, the above references provide a good solution.

However, the above references do not disclose a technical idea that can secure a wider range of goods that can be used for lending transactions.

On the other hand, financial institutions (for example, brokerage firms) provide stock investors with loan products such as stock purchase loans or credit loans. When using these loan products, the stocks or investors' accounts bought by the investors are set as collateral, which provides the collateral for the collection of the principal of the loan.

However, the stocks set as collateral do not deserve to be used for other purposes.

Therefore, it is necessary to provide a technical idea to be used in lending transactions for collateral items set as collateral. In addition, it is also necessary to use a technical idea that can reliably reflect the reason for termination of the loan (ie, reasons for cancellation of the collateral) when the collateral object is used as the object of the lender transaction.

Therefore, the technical problem to be solved by the present invention is to provide a technical idea that can be utilized for bogus transaction even for a secured object set as a security.

In addition, it provides technical idea that it is possible to terminate the lending transaction stably even when there is a reason for terminating the lending transaction for the collateral item.

The lending transaction system for achieving the above object is a lending pool setting module for setting a collateral object lendable stock to be included in a lending pool for a lender transaction for a collateral item set as a collateral by a loan received by the lender and at least one In response to a stock borrowing request corresponding to the collateral item received from the borrower system, a control module for processing at least a part of the amount corresponding to the stock borrowing request among the secured loanable stocks included in the borrowing pool .

The rental pool setting module may further set the general object rentable stock to be included in the rental pool as a general object of at least one lender who has entered into a lender transaction agreement and the general object means an object not set as a collateral have.

The rental pool setting module may manage the loanable stock corresponding to the collateral object among the borrowable stocks to be distinguishable from the general purpose loanable stock corresponding to the general object.

Wherein the rental pool setting module includes a secured object processing module that sets the secured object as the borrowable stock and manages the information about the secured object, and sets the general object as the borrowable stock and manages information about the general object And a general object processing module.

The rental pool setting module may switch the security-type lendable stock to the general-purpose lendable stock when the reason for releasing the collateral is generated.

The lender transaction system utilizing the collateral object determines whether the collateral object has caused the reason for terminating the lender transaction and, if it is determined that there is a reason for terminating the lender transaction, the stock collateral included in the lending pool, Lt; RTI ID = 0.0 > a < / RTI >

And the lending stock processing module selectively determines whether the redeemable stock to be redeemed to the lender's account is to be selected from among the general-purpose lendable stocks or the equity-type lendable stock according to reason for terminating the lending transaction. can do.

The lending stock processing module may select the redeemable stock from the general stock lendable stock when the counterparty's opponent's sale or collateral rate enters a certain ratio with respect to the counterparty's collateral rate have.

Wherein the rental pool setting module manages the borrower's mortgage lending stock into general stock lending stocks when the redeemable stock is repaid to the borrower's account by the lending stock processing module.

Wherein the control module identifies characteristics of the collateralized lendable stock and selectively sets a fee for renting the collateralized object according to a result of the check.

In order to solve the above technical problem, a lender transaction method using a collateral object is a method in which a lender transaction system sets a collateral object set as a collateral by a loan received by the lender as a collateral object lendable stock to be included in a lending pool for lender transactions In response to a stock borrowing request of a stock corresponding to the collateral item received from at least one of the borrower systems, the borrowing transaction system further comprises a step of, in response to the stock borrowing request corresponding to the stock borrowing request And leasing at least a part of the quantity.

The lender transaction method utilizing the collateral item is such that the lender transaction system includes at least one general object of the lender on which the lender transaction contract is concluded and the general object is not set as collateral, And setting the stock to be a general-purpose loanable stock.

The lender transaction method utilizing the collateral item is a step of reimbursing the borrower's account for the refundable stock included in the lending pool and not subjected to the lending process when the lender transaction system has a reason for termination of the collateralized lender transaction As shown in FIG.

The step of repayment of the redeemable stock to the account of the lender may further include determining whether the redeemable stock to be redeemed to the account of the lender according to the reasons for termination of the lender transaction is selected from among the general- And selectively judging whether or not there is a match.

The step of repayment of the redeemable stock to the account of the lender includes the step of converting the mortgage lending stock corresponding to the lender into the general lending stock when the reimbursement stock is repaid to the lender's account As shown in FIG.

The bogus transaction method utilizing the secured object may be stored in a computer-readable recording medium on which the program is recorded.

According to the bogota transaction system and the method using the mortgage object according to the present invention, it is possible not only to provide a certain profit to the borrower due to utilization of the mortgage object, which is a non-profitable asset that has not been utilized yet, ), It is possible to create new profits by activating lending transactions.

In addition, even if a collateralized mortgage is canceled, the loan can be repaid actively to the borrower, or the borrowed transaction can be continuously maintained in accordance with the reasons for the collateral release, There is an effect that transaction can be possible.

In particular, even if the sale of counterclaims due to deterioration of collateral property of collateral assets occurs, it is possible to reverse-trade through immediate repayment, thereby preventing new risk from being recovered.

It is also effective to reduce the risk that a borrower can not dispose of his or her own assets by making repayment of borrowed stock immediately following the repayment of the borrower's loan.

BRIEF DESCRIPTION OF THE DRAWINGS A brief description of each drawing is provided to more fully understand the drawings recited in the description of the invention.
FIG. 1 is a conceptual diagram for explaining the concept of a conventional general lender transaction.
2 is a schematic block diagram illustrating a bogus transaction system according to an embodiment of the present invention.
FIG. 3 is a view for explaining the concept of a rental pool DB according to an embodiment of the present invention.
FIG. 4 is a view for explaining a method of processing a redemption when a security is borrowed according to a lending transaction method according to an embodiment of the present invention.
FIG. 5 is a diagram for explaining a lending fee differentially applied according to a collateral item when a collateral object is borrowed according to the lender transaction method according to the embodiment of the present invention.

In order to fully understand the present invention, operational advantages of the present invention, and objects achieved by the practice of the present invention, reference should be made to the accompanying drawings and the accompanying drawings which illustrate preferred embodiments of the present invention.

Also, in this specification, when any one element 'transmits' data to another element, the element may transmit the data directly to the other element, or may be transmitted through at least one other element And may transmit the data to the other component.

Conversely, when one element 'directly transmits' data to another element, it means that the data is transmitted to the other element without passing through another element in the element.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

2 is a schematic block diagram illustrating a bogus transaction system according to an embodiment of the present invention.

Referring to FIG. 2, the lending transaction system 100 according to the embodiment of the present invention includes a control module 110 and a rental pool setting module 120. The lending transaction system 100 may further include a rental stock processing module 130 and / or a rental pool DB 140. In addition, the rental pool setting module 120 may include a secured object processing module 121 and a general object processing module 122.

The lending transaction system 100 is installed in an account management system (for example, a securities company system) for operating a securities account, which is operated by an entity (for example, a securities company) of the lending transaction system 100, The system can be realized separately from the system (for example, the securities company system), and the technical idea of the present invention can be implemented while transmitting / receiving predetermined information to / from the account management system (e.g., the securities company system).

The lending transaction system 100 may be connected to at least one lender terminal 200 through a wired / wireless network to transmit and receive predetermined information for implementing the technical idea of the present invention. The lender terminal 200 can communicate with the lender transaction system 100 to display a statement of intention to borrow for the stock held by the lender, that is, a pseudo indication for signing the lender transaction, May be used to include any type of data processing device that is capable of performing a sell and / or redemption request for a lending stock to the trading system 100. For example, the lender's terminal 200 may be implemented as any type of computer or mobile terminal (e.g., a mobile phone) having a predetermined HTS (home trading system) application installed therein.

Meanwhile, the lending transaction system 100 may be connected to at least one of the borrower systems 300 through a wired / wireless network to transmit / receive predetermined information to implement the technical idea of the present invention. For example, the borrower system 300 may send a borrowing request (borrowing request) signal for a particular stock to the lender transaction system 100, and in response, Can perform the lending process for the requested stock.

Meanwhile, the lane mark transaction system 100 may be connected to a predetermined manager system 400 through a wired / wireless network to transmit / receive predetermined information to implement the technical idea of the present invention. The manager system 400 may refer to a data processing apparatus that can be used by an administrator or an operator of the lending transaction system 100. The lending transaction system 100 may be configured to transmit, A predetermined alarm signal (for example, when the rental processing rate is within a certain range of the rentable limit) can be transmitted. Also, according to an embodiment, the manager system 400 may send certain information or request signals to the loaner terminal 200 and / or the borrower system 300 via the lending transaction system 100 .

The boggle transaction system 100 may refer to a logical configuration having hardware resources and / or software necessary to implement the technical idea of the present invention, The term " apparatus " That is, the boggle transaction system 100 may mean a logical combination of hardware and / or software provided to implement the technical idea of the present invention. If necessary, The present invention may be embodied as a set of logical structures for realizing the technical idea of the present invention. Also, the boggle transaction system 100 may mean a set of configurations separately implemented for each function or role for implementing the technical idea of the present invention. For example, the control module 110, the rental pool configuration module 120, or the rental stock processing module 140 and / or the rental pool DB 140 may be located in different physical devices, Or may be located in a physical device. Also, depending on the implementation, the software and / or software that constitute the control module 110, the rental pool configuration module 120, or the rental stock processing module 140 and / or the rental pool DB 140, respectively, Hardware combinations may also be located in different physical devices, and configurations located in different physical devices may be organically coupled to implement each of the modules.

In this specification, a module may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, the module may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and does not necessarily mean a physically connected code or a kind of hardware. Can be easily deduced to the average expert in the field of the present invention.

The control module 110 may be configured to provide other configurations (for example, the rental pool setting module 120, or the rental stock processing module 140 and / or the rental stock setting module 120) included in the rental transaction system 100 to implement the technical idea of the present invention. And / or the rental pool DB 140).

In addition, the control module 110 may receive a stock borrowing request for a particular stock received from at least one of the borrower systems 300. Then, the control module 110 determines whether or not the stock-borrowing status of the specific stock is within the range of the borrowing limit of the specific stock set in advance according to the characteristics of the specific stock, At least a portion of the corresponding quantity can be lent.

For example, the borrower system 300 may transmit to the control module 110 a stock borrowing request signal including a stock item and a stock amount to be borrowed. Then, the control module 110 confirms the rental pool, confirms the rentable limit of the stock item in the rental pool, and the stock-borrowing request may be concluded according to the rentable limit corresponding to the stock item And only a part thereof may be concluded.

In this specification, the term "rental pool" may refer to a total collection of lendable stocks that can be lent by the lender agreement with a lender and an operator (for example, a securities company, etc.) of the lender transaction system 100. The rental pool may be implemented as a separate rental pool DB 140 as shown in FIG. 1, or may be implemented by additionally writing a predetermined tag or information to each customer account.

In the present specification, the lease possibility means a predetermined quantity or ratio set in advance according to each item-specific characteristic. For example, the lendable limit of a specific stock item A may be set at a predetermined ratio (for example, 70%, 75%, 80%, etc.) The leasing possibility limit may be predetermined according to the characteristics of each stock item, and may be set to the same lease possibility limit (for example, 50%) regardless of the stock item. The technical idea of allowing the lender to repay the lending stock immediately at a desired time by lending the stock to the borrower within such a range that the borrowing limit is set and the borrowing limit does not deviate is disclosed in detail in the references of the present invention A detailed description thereof will be omitted.

On the other hand, the current status of bidding may refer to the total amount of shares to be borrowed to the borrower or the ratio of the actual borrowed shares to the borrowable stock in accordance with the borrower's request for a particular item.

In addition, the rental process may refer to a series of information processing required for a stock to be borrowed by a borrower for a borrower's loan application to be borrowed and entered into an account linked to the borrower system 300 or borrowed To this end, the lending transaction system 100 may transmit information indicating that a specific stock has been borrowed by the borrower as a predetermined intermediary institution system (for example, a depositary settlement institution of a stock company). A series of processes for such a rental process are well known, and a detailed description thereof will be omitted. It is a matter of course that the amount of the stocks subjected to the lending process is included in the above-mentioned lending status.

Accordingly, when the predetermined stock borrowing request is received, the control module 110 can perform the borrowing process within a range in which the borrowing limit of the stock item requested to be borrowed is maintained. Therefore, according to the method of providing a lending transaction system according to an embodiment of the present invention, it is possible to reserve a margin for preparing for a disposal of a lender (for example, sale or a middle repayment) It is possible to reasonably adjust the margin to suit the characteristics of stocks.

Meanwhile, according to the technical idea of the present invention, the lender may be a lender who has received a loan from a financial institution. The lender can receive a loan based on various loan products provided by a predetermined financial institution or an intermediary institution of the lender transaction so that the specific stock purchased through the borrower's account or the loan can be set as a collateral for the loan have. The type of the loan may be various, such as a conventional credit purchase amount, a credit lender, a stock purchase fund loan, and the like. The securities account of the borrower receiving the loan or any particular stock included in the securities account may be set as collateral.

According to the technical idea of the present invention, a secured object set as a collateral through a loan (that is, all the shares included in the lender's securities account or a part of the securities included in the securities account) may also be subject to lender transactions. In this specification, stocks that are collateral items and subject to lending transactions are defined as stocks that can be loaned.

The investor who is the lender of the lender transaction and the lender of the lender transaction agrees with the operating entity of the lender transaction system 100 according to the technical idea of the present invention to make the collateral to be the object of the lender transaction according to the technical idea of the present invention . The borrower can make such a contract through the home page or the HTS provided by the lending transaction system 100 through the terminal 200. [ The above arrangements may include consent to use the collateral item as a target for lending transactions, revenue distribution, procedures for selling, information utilization, and the like. In addition, depending on the lender transaction, the profit when the mortgage of the borrower is actually borrowed may be offset from the loan interest. In such a case, matters concerning the offsetting of the loan and the loan may also be included in the arrangement.

The mortgage of the borrower with the above agreement can be set to be included in the loan pool according to the technical idea of the present invention. Such a function may be performed by the rental pool setting module 120. [ In order to become a secured object included in the rental pool by the rental pool setting module 120, that is, a stock that can be borrowed, the rental pool setting module 120 stores the secured object in a stock account of the secured object It is possible to record information indicating that it is set, or to actually perform the work of transferring the stock itself to a predetermined rental pool.

On the other hand, even if the borrower has entered into such an arrangement, not all of the mortgage of the borrower may actually be borrowed. Only a part of the mortgage of the borrower may actually be borrowed according to the loan information of the mortgage, including the stock of the mortgage, the quantity of the mortgage, the period of the loan, etc. In some cases, It may not be borrowed at all during the loan period. The control module 110 can determine which stock among the available rents included in the rental pool is rented to the borrower. The control module 110 determines whether or not the leaseable stock is based on the attributes of the lender (for example, whether it is an excellent customer), the rental period (loan period), the type and / or quantity of the loanable stock A predetermined priority can be set, and the lendable stock included in the rental pool can be rented in priority order. These technical ideas are also described in detail in the above-mentioned references in the present specification, so that a detailed description thereof will be omitted.

In particular, the control module 110 may perform the lending process in consideration of the characteristics of the collateral, such as the liquidity and the goodness of the collateral, when lending the collateral stock available in the lending pool. For example, if the liquidity of the collateral is low, the collateral may not be borrowed or partially borrowed even if there is a borrowing request by the borrower. Of course, the technological idea of selectively leasing using the characteristics of lendable stocks is that not only the stocks that can be loaned but also general stocks that can be borrowed, that is, those that are not set as collateral, Or to the lendable stock subject to the equity method.

That is, the boggle transaction system 100 according to the technical idea of the present invention may establish a bogus transaction agreement with a general object as a lendable stock, such as the technical idea described in the above references. Therefore, the rental pool maintained by the lending transaction system 100 may include all the lendable stocks and general stock lendable stocks.

In this case, the control module 110 determines whether there is a borrowing request for a predetermined stock from a borrower, the stock is included in a set of collateral stock available for borrowing, that is, , And if it is included in the general goods lending pool, optionally, the secured object included in the secured loan pool may be preferentially borrowed from stocks that can be borrowed, and the general object included in the general loan lending pool may be borrowed The rental process may be performed first. Alternatively, it is possible to adapt the rental pool to be preferentially rented according to the rental state of the general object rental pool and the secured object rental pool.

Of course, when performing the rental process, the control module 110 may perform the rental process on the same basis regardless of whether it is a collateral-borrowable stock or a general-object borrowable stock.

However, in this case, it is preferable that the rental pool setting module 120 classifies and manages the lendable shares included in the entire rental pool as a collateral-borrowable stock or a general-object lendable stock.

This is because, in the case where the loanable stocks are collated, it is necessary to perform more aggressive management as compared with the stocks that can be borrowed. In other words, in the case of stocks that can be collateralized, collateral transactions may be terminated regardless of the intention or agreement of the lender (ie, the lender). In other words, the cause of termination of the lender transaction can occur. Therefore, it is possible to accurately determine whether the cause of the lender transaction type occurs, so that the stability of the existing lending product and the stability of the lender transaction can be maintained together. The reasons for the peculiar type of lending transactions of the securities available for lending of the collateral will be described later in detail.

As a result, in the case of a stock that can be loaned as collateral, there is a reason for a lender transaction type that does not exist in a general-purpose loanable stock, and therefore the loan pool setting module 120 determines that the loanable stocks included in the entire loan pool are stocks It may be desirable to classify and manage whether or not it is a stock that can be borrowed or recognized as general stock.

For this purpose, the rental pool setting module 120 may include a secured object processing module 121 and a general object processing module 122.

The collateral object processing module 121 may set the collateral object of the lender as a leaseable stock. In addition, the secured object processing module 121 may maintain a secured object rental pool including information on rentable stocks, that is, the stocks available for borrowing, set by the secured object processing module 121.

In addition, the general goods processing module 122 may set the lenders' collateralized items as lendable stocks. Also, the general article processing module 122 may maintain a general article rental pool including information on rentable stocks, that is, general stocks that can be borrowed, set by the general article processing module 122.

An example in which the secured pool and the general-purpose loan pool are separately managed as described above is shown in FIG.

FIG. 3 is a view for explaining the concept of a rental pool DB according to an embodiment of the present invention.

Referring to FIG. 3, the rental pool setting module 120 may maintain and / or manage a rental pool DB 140 that includes a secured object and may further include general objects. The maintenance and / or management of the rental pool DB 140 includes not only physically collecting actual rentable stocks but also information on the type, quantity, lender, etc. of the stocks included in the rental pool DB 140, A rental period, and the like, and the control module 110 may indicate a set of information necessary for the rental process. The set of shares managed by the rental pool DB 140 may be referred to as a rental pool.

The rental pool setting module 120 does not need to check the rentable stocks by checking the accounts of at least one lender by constructing the rental pool DB 140 separately. The rental pool DB 140 may be implemented as at least one table and may further include a separate DBMS (Database Management System) for searching, storing, and managing information stored in the rental pool DB 140 have. Also, it can be implemented in various ways such as a linked-list, a tree, and a relational DB.

Meanwhile, as described above, the rental pool setting module 120 may include the secured object processing module 121 and the general object processing module 122. As shown in FIG. 3, the collateral object processing module 121 separately arranges the collateral object rental pool so that it can be distinguished from the general stock borrowable stock among the borrowable stocks included in the loan pool DB 140 And can maintain and / or manage the secured loan DB 141 for this purpose. Also, the general object processing module 122 may separately manage the general object rental pool so that it can be distinguished from the stocks available for borrowing among the borrowable stocks included in the rental pool DB 140, The general object rental DB 142 can be maintained and / or managed. The secured object rental pool DB 141 and the general goods rental pool DB 142 may further include information on whether or not rental of each of the rentable stocks has been processed. And the stock that has been borrowed is defined as loan stock.

As described above, the boggle transaction system 100 separately manages the secured object rental pool and the general object rental pool to select either the secured object rental pool or the general object rental pool in response to the predetermined borrowing request So that the rental processing can be performed first. In other words, stocks that can be collateralized or those that can be borrowed for general purposes may be preferentially rented, depending on the situation or circumstances.

As described above, there is a reason for the termination of a specific lending transaction compared with a general lending-available stock, which is included in the mortgage lending pool. One example of such a termination reason may be that countervailing sale is forcibly carried out due to the collapse of the collateral value, that is, the value of the collateral item declines. In this case, the lender transaction system 100 should be able to know whether or not the counterparty has been counterclaimed because the counterparty must be traded irrespective of the will of the lender. In other words, the lending transaction system 100 can not discriminate the lending possibilities included in the secured loan pool from the lending possibilities included in the general-purpose lending pool and / You need to know the information. For this reason, it may be necessary to manage the above-mentioned secured object rental pool and the general object rental pool separately.

In addition, if the collateral is subject to lender transaction and is classified and managed, it may be necessary to convert the collateralized lending-available stocks to general-purpose lendable stocks or convert general stocks into lendable stocks.

For example, if the borrower repays the loan after it is set as a loanable stock (or lending stock), it is necessary to convert the loanable stock (or lending stock) to a general stock lendable stock (or lending stock) .

Or if the collateralized lending stock is requested to be sold by the countertrade or by the lenders (the lenders), the lending transaction system 100 may be a stock not included in the entire lending pool First, the repayment process can be performed. In this case, it is not desirable that the mortgage lending stock borrowed by the borrower is set as collateral, so it may be desirable to convert it into a general lending stock.

Or, depending on the embodiment, there may be a case where a general stock loanable stock (or lending stock) is also loaned by the lender to the corresponding stock. In this case, it is advisable that the common stock lendable stock (or lending stock) is converted into a collateralized lendable stock (or lending stock). Of course, depending on the embodiment, the lending may not be performed as collateral for the stock set as borrowing stock (or lending stock).

When the stocks included in the pool of the secured goods rental or the general goods are converted into the general goods or the secured ones, the secured goods processing module 121 or the general goods processing module 122 may be installed in the general goods processing module 122 or The conversion processing can be performed by transmitting the information about the stock to be converted to the collateral object processing module 121. [ Of course, when the conversion process is performed, the information about the converted stock that has been maintained and / or managed by the user can be deleted or invalidated.

Meanwhile, the lending stock processing module 130 included in the lending transaction system 100 may perform the repayment process for the lending stock. The rental stock processing module 130 can perform the redemption processing so that the rental stock can be repaid at an arbitrary point in time (for example, a lender's sale request or repayment request) using the rental pool. Are disclosed in detail. That is, the lending transaction system 100 does not process all the lendable shares included in the rental pool but maintains the unallocated stock at a certain ratio, so that the rental stock processing module 130 does not yet process the rental processing The stock may be redeemed to the lender at any time by repaying the shares that have not been issued to the lender first.

Accordingly, it is disclosed in detail in the present invention that repayment processing can be performed at an arbitrary point in time for general stock lending stocks.

According to the technical idea of the present invention, the repayment processing can also be performed at an arbitrary point of time for the stock loaned stock. According to the technical idea of the present invention, the rental stock processing module 130 can transfer any rental pool that is not loaned from any rental pool among the rental pools, that is, You can decide to repay to the lender. In other words, since it is similar to the case of newly performing the loan processing to repay the non-lending stock to the lender as the repayment stock in order to repay the loan to the lender, the lending stock processing module 130 first Can be selectively selected from among the above pools of secured goods or pools of general goods. Of course, it is possible to arbitrarily select a redeemable stock to be redeemed to the lender based on a predetermined criterion (for example, the number of available shares or the lease period) from the entire lending pool.

According to an example, the lending stock processing module 130 may adaptively select a lending pool for selecting a redeemable stock to be redeemed to the lender (lender) according to reasons for terminating the lender transaction.

Such an example will be described with reference to FIG.

FIG. 4 is a view for explaining a method of processing a redemption when a security is borrowed according to a lending transaction method according to an embodiment of the present invention.

Referring to FIG. 4, the lending stock processing module 130 according to the technical idea of the present invention can determine whether a loan termination event (termination event) of the collateralized lender has occurred (S110).

The reason for the termination of the lending transaction of the collateralized lending stock may be the compulsory reverse trading of the collateral item due to the collapsing of the collateral value. There may be a case where a request for sale or a request for repayment is received from the terminal 200 of the lender (lender) to the lender transaction system 100 after repayment of the loan. Or if the collateral value of the whole security account including the collateral item is more than the standard collateral rate, the lender may freely sell the collateral item. In such a case, the lender transaction may also be terminated. In the case of the second lending transaction termination, that is, in the case of the sale request (or the repayment request) after the repayment of the loan, the collateral item may already be converted into a general article if the loan is repaid, It can be repayment processing. Also, in case of the third bailing transaction termination, if the lender arbitrarily sells or requests repayment, the repayment process may be carried out in substantially the same manner as the repayment of general goods.

However, in the case of the first case, that is, in the case of compulsory reverse trading due to the collapsing of the collateral property of the collateral, the lending stock processing module 130 may select the redeemable stock from the general lendable stock. That is, the repayment stock may be selected from the non-lending stocks included in the general-purpose lending pool and redeemed to the lender (lender). This is because, if a compulsory objection arises due to the collateral damage of a collateralized object, the value of the collateral object itself can be reduced. Therefore, if the value of the above collateral property is reduced, the possibility that the counterparty (loaner) is collateralized may also increase. In this case, if the repayment stock is selected from the collateral of the other lender, the risk of the chain reaction and the repayment of the repayment may be increased. Therefore, in this case, it is effective to reduce the burden of performing repayment processing in response to a series of counterclaims by selecting a repayment stock from the general object lending pool.

In any case, the lending stock processing module 130 may monitor the account assessed value of the lender (loaner) including the secured object in order to determine whether or not the lender end event of the lender borrowed stock occurs (S100). (S110) by receiving a signal from the predetermined system (for example, an account management system or the like, not shown) performing the reverse trading to determine whether the reverse transaction occurred. In other various ways, the rental stock processing module 130 may determine the occurrence of a bogus transaction end event (event).

The lending stock processing module 130 may determine that the reason for the termination of the lender transaction occurs when the actual collateral item is less than or equal to the reference collateral rate at which the reverse collateral is to be executed, Etc.), it can be judged that there is a reason for the termination of the lender transaction. That is, even if the reverse trading is not actually performed, the lending transaction system 100 may terminate the lender transaction and repay the lending stock of the borrower if the risk of reverse trading occurs.

The lending stock processing module 130 may then perform a repayment process for the secured lending stock (S120). At this time, as described above, the loan stock processing module 130 can select the non-lending stocks included in the general-purpose loan pool that have not been loaned, as the redeemable stock to be repaid to the lender (lender). Therefore, by selecting repayment stocks from the pool of mortgages, it is possible to reduce the risk of repatriation by chain reaction.

Of course, according to another embodiment, the rental stock processing module 130 may select the redeemable stock according to a predetermined standard in the entire rental pool regardless of what reason the end of the lending transaction is. Alternatively, the rental stock processing module 130 may select a redeemable stock from a predetermined rental pool (for example, a loan of a mortgage loan pool or a general loan product) when repaying the loan for the loan of the secured loan, (For example, a mortgage loan pool or a general mortgage loan pool) even when repayment processing is performed for a loan.

On the other hand, when the mortgage lending stock is redeemed to the lender (loaner), the mortgage lending stock of the lender (loaner) is no longer a mortgage, Loan stocks can be converted into general stock lending stocks. By performing the conversion processing in this way, the rental pool having the same environment as whether the actual secured property is set can be continuously maintained.

Meanwhile, the control module 110 may perform a process of paying the rental fee to the lender (lender) when the collateral is processed. Also, the control module 110 may set the rental fee differently according to the characteristics of the collateral object. The characteristics of the collateral can be determined, for example, by the liquidity or the superiority of the stocks corresponding to the collateral. Shares with high liquidity or high quality are generally subject to lending transactions, so relatively low rental fees can be set.

Or the status of the available lending stock included in the rental pool. For example, a low rental fee is charged for stocks that already have a certain amount or more (or more than a certain percentage of the volume of circulation) in the rental pool, and a relatively high rental fee is charged for stocks not included in the pool It is possible.

Such a differential commission policy has the effect of actively inducing the lender transaction system 100 to a lender of a desired level of lending amount.

FIG. 5 is a diagram for explaining a lending fee differentially applied according to a collateral item when a collateral object is borrowed according to the lender transaction method according to the embodiment of the present invention.

5 shows an example of a balance of a securities account of a particular lender, wherein the specific lender includes five stocks (for example, Samsung Electronics 1000 shares, Hyundai Motor 5000 shares, Celltrion 10000 shares, Doosan Heavy Industries 20000 shares, OCI 50000 The Company may pledge shares as borrowing shares.

Then, according to the technical idea of the present invention, the rentable stock of the specific lender can be set to be included in the rental pool. 5, the terminal 200 of the lender provides the type of loan and the loan commission (loan amount) of each stock as shown in FIG. 5, Interest) may be displayed. It goes without saying that such information may be transmitted to the terminal 200 by a loan system (not shown) that provides the loan product.

Also, the terminal 200 is provided with a list of lending stocks (for example, 500 shares of Samsung Electronics, 2000 shares of current shares, 4,000 shares of celltrion, 10000 shares of Doosan Heavy Industries and 100 shares of OCI 25000) Can be provided. Information about a rental fee according to each rental stock may be displayed on the terminal 200.

As described above, the rental fee can be differentiated by the control module 110 according to the characteristics of the rental stock as described above.

From the perspective of the lender, this lending fee can substantially reduce the loan interest. Also, even if the collateral object is loaned, the collateral can be requested to be sold or redeemed at an arbitrary point in time, so that the lender transaction system 100 can perform immediate repayment.

In addition, as described above, the lender transaction system (100) can prevent collateral from being used as an object of lending transactions, which does not harm the safety of the principal of the existing lending product, .

Also, as included in the above references, the loanable stock may be differentially set according to the characteristics of stocks. In this case, the rental pool setting module 120 monitors the burglary state of the specific item, and if the monitoring result satisfies a predetermined condition (that is, it falls within a certain range of the biddable limit) Module 120 may send an alarm signal to the manager system 400. [ Accordingly, the manager system 400 or the rental pool setting module 120 can perform a series of processes for maintaining the rentable limit. This technical idea is described in detail in the above reference, and a detailed description thereof will be omitted.

The method of providing a lending transaction system according to an embodiment of the present invention can be implemented as a computer-readable code on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored. Examples of the computer-readable recording medium include a ROM, a RAM, a CD-ROM, a magnetic tape, a hard disk, a floppy disk, an optical data storage device, and the like in the form of a carrier wave (for example, . In addition, the computer-readable recording medium may be distributed over network-connected computer systems so that computer readable codes can be stored and executed in a distributed manner. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers skilled in the art to which the present invention pertains.

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 embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

Claims (16)

A loan pool setting module for setting a collateral object as a loanable stock to be included in a rental pool for a lender transaction for a collateral item set as collateral by a loan received by the lender; And
In response to a stock borrowing request corresponding to the collateral item received from at least one of the borrower systems, the at least part of the amount corresponding to the stock borrowing request among the mortgage loanable stocks included in the loan pool A control module,
The rental pool setting module,
The collateral object corresponding to the collateral item corresponding to the collateral object and the general object corresponding to the general object can be borrowed, and the general object is the object not set as the collateral. The reason for termination of the lender-specific transaction of the collateral object of the collateral object capable of being collateralized by the collateral object is to check whether the cause of the lender transaction termination includes the counter trade due to collateral collateral damage,
If the reason for the termination of the lending transaction occurs, redeems stocks included in the lending pool and not lent to the account of the lender, and redeems the redeemable stock to be redeemed to the lender's account according to the reasons for termination of the lender transaction, And a lending stock processing module for selectively determining whether to select the lendable stock or the lendable stock.

delete delete The rental pool setting module according to claim 1,
A secured object processing module that sets the secured object as the borrowable stock and manages information about the secured object; And
And a general article processing module for setting the general article as the borrowable stock and managing information on the general article.
The rental pool setting module according to claim 1,
Wherein the method comprises the step of converting a stock available for borrowing of the secured object into a stock available for borrowing the general object when the mortgage is canceled.
delete delete The method of claim 1,
Wherein the repayment stock is selected from stocks available for borrowing in the case where the counterparty has a counterparty or the rate of collateral falls within a certain percentage of the counterparty collateral rate, system.
9. The rental pool setting module according to claim 8,
Wherein the borrower's lending stock is converted into common stock lending stock when the repayment stock is repaid to the lender's account by the lending stock processing module.
The apparatus of claim 1,
Characterized in that the characteristics of the lendable stocks are checked and the fee for lending the secured object is selectively set in accordance with the result of the check.
In a lender transaction method utilizing a collateral item,
Establishing the collateral system as a loanable stock so that the lender transaction system is included in the lending pool for the lender transaction for the collateral item set as collateral by the lender receiving the loan;
In response to a stock borrowing request of a stock corresponding to the collateral item received from at least one of the borrower systems, the borrowing transaction system is configured to, in response to the stock borrowing request corresponding to the stock borrowing request, Processing at least a part of the loan; And
The collateral transaction system corresponding to the collateral item of the loanable stock, and the collateral item corresponding to the collateral object and the general object corresponding to the general object, the lendable stock means that the general object is not set as collateral The reason for termination of the lender transaction of the collateral object of the collateral object capable of lending of the collateral object while checking the occurrence of the lender collateral,
The lender transaction method utilizing the collateral object may include:
Further comprising the step of reimbursing the borrower's account of the reimbursement stock included in the loan pool and not subjected to the loan process when the borrower transaction system has a reason for terminating the loan transaction of the collateral object,
Wherein the step of repayment of the redeemable stock to the lender's account comprises:
And selectively determining whether the redeemable stock to be redeemed to the account of the lender according to the reasons for termination of the bourse transaction is selected from among the general-purpose lendable stocks or the stocks available for lending of the secured object Bailing transaction method.
delete delete delete 12. The method of claim 11, wherein the step of repaying the redemption stock to the lender's account comprises:
Further comprising the step of, when the reimbursement transaction system has redeemed the redeemable stock to the account of the lender, converting the lending of the collateral object corresponding to the lender into the general lending stock.
A computer-readable recording medium recording a program for performing the method according to any one of claims 11 to 15.

Images