KR101820352B1 - Secured loan system for integrating and managing loans guaranteed by product and method thereof - Google Patents
Secured loan system for integrating and managing loans guaranteed by product and method thereof Download PDFInfo
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- KR101820352B1 KR101820352B1 KR1020160002187A KR20160002187A KR101820352B1 KR 101820352 B1 KR101820352 B1 KR 101820352B1 KR 1020160002187 A KR1020160002187 A KR 1020160002187A KR 20160002187 A KR20160002187 A KR 20160002187A KR 101820352 B1 KR101820352 B1 KR 101820352B1
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- G06Q40/025—
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Abstract
The present invention discloses a secured lending system and a secured lending method in which a lender of a lender generated by collateralizing a product is integrated and managed. The mortgage loan system according to the present invention is a mortgage loan system in which a mortgage is remained even if a loan is repaid by reimbursement of a mortgage with a real valuation amount larger than a loan of the mortgage, A loan payment calculation unit for calculating the actual evaluation amount at the time of loan of the collateral corresponding to the set unit and calculating the loan amount by applying the loan rate to the calculated actual evaluation amount; A loan lender providing the estimated loan; A mortgage release setting unit configured to set mortgage release of the borrower for each unit of the collateral; A reimbursement fund to calculate a reimbursement amount exceeding the loan of the collateral for which the release is set; And a security release unit for releasing the security setting by the unit of the corresponding collateral if the reimbursement is confirmed. According to the present invention, repayment is made with a repayment amount exceeding the loan amount, and the total loan is integratedly managed to maintain the soundness of the loan and to terminate the loan prematurely.
Description
The present invention relates to a mortgage loan technique, and more particularly, to a mortgage loan technique in which a loan is repaid with a repayment amount exceeding the loan amount set for each unit provided as collateral, and the collateral after the repayment of one loan is transferred to another loan, And to a method of providing a secured loan.
In the case of mortgage - backed loans, the borrower provides the property as collateral for securing funds and receives the loan. Under the terms of the contract, the movable property, which is a collateral, is held by the debtor, the creditor or a third party. The safekeeping of goods and loans is guaranteed by the debtor and the creditor even though it is kept by a third party. Thereafter, if the debtor repay the loan, the mortgage provided as collateral will belong to the debtor as it was originally.
The problem of the mortgage loan is that the borrower is not repaid and the loan is repaid as collateral. Of course, since the repayment can be terminated by the debtor's collateral, the creditor's security is guaranteed, but it is a big loss for the debtor. If the repayment of the loan is not carried out due to the nature of the secured loan, the repayment will be made as the collateral of the debtor, and the loss of the debtor can not be avoided as the already committed loss. However, if the value of the collateral falls due to price volatility of the collateral, the creditor may also suffer losses.
Therefore, it is desirable for the borrower to repay the loan and get the loan back to its original value, so that the loan can be terminated.
The present invention has been made based on the recognition of the above-described prior art, and it is an object of the present invention to provide a system and a method for setting up and repaying collateral for each unit of a commodity and repaying the repayment amount exceeding the loan amount of one collateral item, Providing a secured mortgage loan and providing a secured mortgage loan system in which the remaining amount of mortgage is transferred to another loan and the loan of the entire loan is early repaid The purpose.
According to an aspect of the present invention, there is provided a mortgage loan system for managing a loan secured by a product according to the present invention, the mortgage loan system comprising: In the system, when a loan of a lender is applied, a security setting unit sets a security of the lender for each unit of the product; A loan payment calculation unit for calculating the actual evaluation amount at the time of loan of the collateral corresponding to the set unit and calculating the loan amount by applying the loan rate to the calculated actual evaluation amount; A loan lender providing the loan calculated for the loan application; A mortgage release setting unit configured to set mortgage release of the borrower for each unit of the collateral when the borrower is repayed; A reimbursement accounting unit for calculating a repayment amount exceeding the loan amount of the collateral corresponding to the unit in which the cancellation is set; And a security release unit for releasing the security setting by the unit of the corresponding collateral if the reimbursement of the calculated reimbursement is confirmed.
In the present invention, the mortgage loan system collects the investment amount of a plurality of investors in order of decreasing interest rate for the purpose of making the loan application for which the loan is requested, and calculates the loan rate of the loan as an average of interest rates of the collected investors And an investor collecting unit for granting the loan of the loan provider using the collected investment amount and the estimated loan interest rate.
Here, the mortgage loan system further includes a bond transfer unit for transferring the transfer of the bond between the investor having the bond of the investment amount constituting the loan and the transfer customer.
In addition, the loan calculation unit calculates the value of the collateral value by applying a loan rate that decreases as the shelf life of each product decreases with respect to the current value of the collateral for the entire loan case used by the lender, and the calculated value of the collateral value is the remaining loan amount The default loan rate is applied to calculate the loan amount, and the loan amount is decreased as the calculated value of the mortgage value is smaller than the remaining loan amount to calculate the reduced loan amount.
Preferably, the mortgage lending system further includes a collateral management unit that manages information on the receipt and release of the collateral against the third storage facility, and the loan providing unit transmits, through the collateral management unit, And the collateral release unit transmits the release of the collateral to the third storage facility through the collateral management unit.
According to an aspect of the present invention, when the first real valuation amount calculated at the time of lending to the collateral corresponding to the unit in which the cancellation is set is less than the second real valuation amount calculated at the time of repayment, 2 If the actual valuation amount is calculated as the above reimbursement amount and the first actual valuation amount exceeds the second actual valuation amount, the third actual valuation amount calculated at the time of the loan is calculated at the time of repayment The second actual valuation amount is calculated as the reimbursement amount, the third actual valuation amount is calculated by adding the reimbursement amount as the third actual valuation amount exceeds the fourth actual valuation amount, If the first real valuation amount is large, the first real valuation amount shall be the reimbursement amount.
Here, the redeeming amount calculation unit may calculate the remaining amount of the loan as the redeemed amount, if the calculated redeemed amount is greater than the remaining amount of the remaining loan.
According to another aspect of the present invention, the secured lending system processes payment of the calculated repayment amount, distributes the repayment amount in proportion to the remaining investment amount of the investor collected in the corresponding loan case, And a reimbursement settlement unit for allocating a larger amount of the remaining reimbursement amount of the terminated loan case to the reimbursement payment unit as the lending rate at the time of the lending is less than the lending rate at the reimbursement.
Here, the collateral release unit maintains the collateral setting for the remaining collateral of the collapsed loan if the remaining loan of the borrower's remaining loan of the loan remains at the time of the collapse of the one-time loan, and if the remaining loan remains, Unconfigure the remaining collateral.
According to another aspect of the present invention, if the borrower fails to repay one loan, it is regarded as a failure of the entire loan and the sale of the remaining collateral is processed, and the sale proceeds of each loan are proportionate to the amount of the investor's investment And a collateral selling unit for distributing a larger amount of the remaining sale proceeds of the terminated loan as the investment amount of the investor after the distribution is larger.
According to another aspect of the present invention, there is provided a method for managing a loan secured by a commodity according to the present invention, the method comprising the steps of: providing a mortgage loan (A) a security setting step of setting a mortgage of a borrower for each unit of a product when a loan of the borrower is applied; (b) calculating the actual value of the loan at the time of the collateral corresponding to the set unit, and calculating the loan amount by applying the loan rate to the calculated actual value; (c) providing a loan calculated for the loan application; (d) a mortgage release setting step of setting a mortgage release of the borrower for each unit of the collateral, when the borrower is repayed; (e) calculating a reimbursement amount exceeding a loan amount of the collateral corresponding to the unit in which the cancellation is set; And (f) releasing the collateral setting by the unit of the collateral corresponding to the reimbursement of the calculated reimbursement amount.
According to an aspect of the present invention, after providing a loan to a lender using a product as a collateral, the loan is repaid with a repayment amount exceeding the loan amount when the collateral setting is canceled, and the remaining collateral after the lapse of the loan is used to repay other loans Keep the loan in good condition and terminate the loan prematurely.
According to another aspect of the present invention, the total lending of the lenders is integrated and managed, so that the calculation of one loan, the calculation of the repayment amount, the settlement of the repayment amount, and the sale of the collateral affect the entire loan, Accelerating the early termination of loans.
BRIEF DESCRIPTION OF THE DRAWINGS The accompanying drawings, which are incorporated in and constitute a part of the specification, illustrate preferred embodiments of the invention and, together with the description of the invention below, And should not be construed as interpretation.
1 is a schematic block diagram of a mortgage loan system according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating an example in which a collateral is left when a mortgage loan server of FIG. 1 repays a repayment amount exceeding a loan amount and the loan disappears.
FIG. 3 is a diagram illustrating an example in which the mortgage loan server of FIG. 1 manages a total loan of a borrower.
4 is a schematic internal structure diagram of the mortgage loan server of FIG.
5 and 6 are schematic flowcharts of a mortgage loan method according to an embodiment of the present invention.
Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, terms and words used in the present specification and claims should not be construed as limited to ordinary or dictionary terms, and the inventor should appropriately interpret the concepts of the terms appropriately It should be interpreted in accordance with the meaning and concept consistent with the technical idea of the present invention based on the principle that it can be defined.
Therefore, the embodiments described in the present specification and the configurations shown in the drawings are only the most preferred embodiments of the present invention and do not represent all the technical ideas of the present invention. Therefore, It is to be understood that equivalents and modifications are possible.
1 is a schematic block diagram of a mortgage loan system 1 according to an embodiment of the present invention.
A mortgage loan system 1 according to an embodiment of the present invention is constructed based on a wired or wireless network and includes a
The wired and wireless networks in the present invention typically include all communication networks capable of data communication using various protocols such as a mobile communication network, a wired and wireless public network such as the Internet, and a private network.
The
The
Also, the
The
In addition, the
The
The
Here, the
The
FIG. 2 is an example of a case where the collateral is left when the
In the present invention, the
For convenience of explanation, it is assumed that the
Thereafter, the lender sets the mortgage release to the
If the amount of collateral release by the borrower reaches 6, 6,000 won will be redeemed and the loan will be terminated. That is, in the case of a known mortgage loan, the ten loans are canceled when the tenement is canceled, whereas the present invention is different in that the loans are canceled prematurely when the six mortgages are released. The early disappearance will maintain the soundness of the loan, the creditworthiness of the lender will be excellent, and the return of the investor's investment will remain safe.
At this time, the four collateral items remain, and the
On the other hand, the
FIG. 3 is an exemplary diagram illustrating an example in which the
In the present invention, the
The integrated management means that the lending and repayment of one lender of the lender affects other lending cases. With integrated management, the occurrence of one loan can lead to a decline in the creditworthiness of the rest of the cases, and the occurrence of one repayment can lead to a restoration of the credit rating of all other cases. In addition, if one loan failure occurs among the total loan cases held by the borrower by the integrated management, the whole loan is regarded as a failure. In other words, if the loan does not disappear by repayment at the time of repayment of the one-time loan, it is treated as a failure of the whole loan, and the whole proceeds of the collateral of the borrower are processed and the proceeds are distributed to the investors.
① When calculating the loan, the mortgage loan server (3) determines the possible loan amount for the loan application, and if the value of the loan value of the loan total loan amount is less than the remaining loan amount, it is judged as the risk of the loan and reduces the loan rate. In the opposite case, it is judged that the loan is safe and the basic loan rate is maintained.
② When calculating the amount of the repayment, the mortgage loan server (3) calculates the repayment amount for the repayment application. If the repayment amount is less than the mortgage value at the time of repayment of the total loan amount of the borrower, .
(3) Upon payment of the repayment amount, the mortgage loan server (3) repay the remaining amount of the loan that has been lost due to the repayment of one (1) loan to the other loan. In the case of FIG. 2, since the loan has been canceled by the repayment of 6,000 won due to the release of 6 collateral, the remaining 4,000 won of the remaining repayment amount is used as the repayment amount of the other loan.
④ When selling collateral, the mortgage loan server (3) allocates the remaining proceeds from the sale of collateral of one loan to the loss invested by other investors in case of failure of the whole loan. All the collateral held by the user is sold, and each loan may result in surplus sale and tributary sale. At this time, the surplus proceeds pay for the tributary sale.
By (1) through (4), the secured loan server (3) further enhances the soundness, reliability and stability of the loan.
4 is a schematic internal structure of the
The
The
The
The loan
Actual appraisal amount = present value * unit
Loan = real value * Loan rate 1 (%)
<Calculation of loan rate when there is residual loan of total loan case>
Value of mortgage value = current value of remaining collateral * residual unit
Value of collateral value = value of collateral value *
Value of mortgage value> = residual loan, keep loan rate 1
If the value of the mortgage value is <residual loan, the loan rate is reduced to 1 in proportion to the difference between the residual loan value and the value of the mortgage value.
Deduction ratio = difference amount / value of collateral value * 100
Loan rate 1 = loan rate 1 - deduction ratio
<Calculation of
Decrease
In Table 1, the loan
Also, when calculating the value of the collateral value, the loan
The
Here, the
Interest rate = (investment amount 1 * interest rate 1) + ... + (investment amount n * interest rate n) / investment amount 1 + investment amount n (n> = 1)
<Collection amount <Loan amount>
Insufficient amount = Loan amount - Amount collected
m (m> 1) other investors to cover the shortfall in m / 1
For example, for a loan application with a loan amount of 10,000, multiple investors register their investment amount and interest rate and bid on the investment. In the order of low interest rate, investor 1 invests 3,000 won,
As another example, it is assumed that 8,000 won of investors are collected for the loan amount of 10,000 won, and the loan interest rate is calculated as 5,9% by the interest rate formula. The Investor Consolidation Department (301) will disclose the results of the auction where the deficit amount of 2,000 won has occurred and recruit more m other investors. If the Investor Relations Department (301) recruits 4 other investors, the loan amount will be increased to 10,000 by using the investment amount of 500 won per other investor and the loan interest rate of 5,9%.
The
The loan provider (33) provides the loan to the borrower for the borrower's loan application. The borrower deposits the loan to the account of the designated borrower.
Here, the
The
The mortgage
The redemption
Amortization = actual value of the collateral for which the collateral is set to be released upon repayment
= Current value * Unsecured units
The first real amount of appraisal = the real appraisal amount at the time of lending (the actual appraisal amount of Table 1)
Second real valuation amount = reimbursement
<2-1. First real valuation amount <= Second real valuation amount>
Amortization = second real valuation amount
<2-2. First real valuation amount> Second real valuation amount>
The third real valuation amount = the actual valuation amount of the collateral for the whole loan case at the time of the loan
4th Actual Valuation Amount = Actual Valuation Amount
<2-2-1. Third real valuation amount <= fourth real valuation amount>
Amortization = second real valuation amount
<2-2-2. The third actual valuation amount> the fourth real valuation amount>
Loss amount: 3rd Actual valuation amount - 4th Actual valuation amount
Extra expenses: Loss / Remaining loans for all loans
Amortization = second real valuation amount + second real valuation amount * addition fee
If the repayment amount <the first real valuation amount, the repayment amount = the first real valuation amount
<3. Compensation payments>
Reimbursement> If it is remaining loan of the whole loan case, repayment = remained loan
In accordance with Table 3, the
Here, "2-2-2" in Table 3 indicates that the value of the collateral (the first real valuation amount) at the time of the loan in the relevant loan case exceeds the valuation at the repayment (the second real valuation amount) (The third real valuation amount) of the whole collateral at the time of the loan in the entire loan case exceeds the valuation (the fourth real valuation amount) of the total collateral at the time of repayment (the case where the risk of the entire loan is increased ), And the amount of the reimbursement is calculated by the amount increased by the amount of loss. If the reimbursement increased by the add-on expense is less than the first actual revaluation amount, the reimbursement amount is calculated as the first real revaluation amount. In addition, if the total loan is terminated by repayment of the loan by "3" in Table 3, the repayment amount is reduced to the remaining amount of the loan.
The redemption
Distribution ratio 1: Investment balance 1 / Investment balance 1 + ... + Investment balance n
....
Allocation ratio n: investment balance n / investment balance 1 + ... + investment balance n
First investor distribution: repayment * allocation ratio 1
....
Nth investor distribution: repayment * distribution ratio n
According to Table 4, it is assumed that the
Here, since the
Loan Ratio at Loan 1: Loan Ratio at Table 1
....
Loan rate at time of loan n: loan rate at time of loan at table 1
Loan rate at repayment 1: Remaining loan 1 / Actual appraisal amount 1 * 100
....
Loan rate at repayment n: Remaining loan n / Current effective value n * 100
<Loan Rate at Repayment> Loan Rate at Loan>
Difference: Loan rate at repayment - Loan rate at loan
Distribution ratio 1: Difference 1 / Difference 1 + ... + Difference m
...
Distribution ratio m: difference amount n / difference amount 1 + ... + difference amount m
First loan distribution = remaining repayment * distribution ratio 1
...
M Loan allocation = remaining repayment * allocation ratio m
According to Table 5, the
When the reimbursement of the calculated reimbursement amount is confirmed, the
Here, the
The
Distribution ratio 1: loss 1 / loss 1 + ... + loss n
...
Distribution ratio n: loss n / loss 1 + ... + loss n
The first sale proceeds = the remaining sales proceeds * Distribution ratio 1
...
Nth loan distribution = remaining sales price * distribution ratio n
According to Table 6, the
In particular, if a lender fails to meet the repayment date of a single loan, and the loan fails, the lender must fulfill the repayment obligation faithfully because all the lender fails and the whole collateral is subject to sale. Of course, since the sale of the whole collateral will result in more damage than is necessary to the borrower, the borrower must fulfill the obligation to repay the loan. Therefore, the loan service of the present invention has a characteristic that the failure rate of the loan is extremely low because the lender fulfills the loan repayment faithfully in order to protect the collateral.
5 and 6 are schematic flowcharts of a mortgage loan method according to an embodiment of the present invention. FIG. 5 is a flowchart of the lending process and FIG. 6 is a flowchart of the redemption process.
Referring to FIG. 5, the
By the loan application of the borrower, the
Here, the
The
When the borrower confirms the estimated loan, the
When the loan is created, the
When the receipt of the collateral is confirmed, the
On the other hand, when a loan occurs, investors are borrowers with loans, and the borrower is given the repayment amount and interest of the borrower. The
When the application for repayment occurs, the
When the setting release of the security is requested, the
When the repayment amount is calculated, the
When the repayment of the reimbursement money is completed, the
Thereafter, when the failure of the loan occurs even once, the
In the above-described embodiment, the term "part" is not used to denote the hardware division of the
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 goes without saying that various modifications and variations are possible within the scope of equivalence of the scope.
1: Mortgage loan system 2: loaner terminal
3: Mortgage loan server 4: Investor terminal
5: Mortgage management terminal
Claims (20)
A mortgage setting unit for setting a mortgage of a borrower for each unit of a product when a loan of one loan is applied;
A loan calculation system that calculates the actual evaluation amount of the collateral corresponding to the set unit at the time of the loan and calculates the loan amount less than the actual evaluation amount by applying the loan rate to the calculated actual evaluation amount;
A loan lender providing the loan calculated for the loan application;
A mortgage release setting unit configured to set mortgage release of the borrower for each unit of the collateral when the borrower is repayed;
The amount of repayment exceeding the loan amount of the collateral corresponding to the unit in which the cancellation is set is calculated using the actual evaluation amount at the time of the loan and at the time of repayment, and if the calculated repayment amount is more than the remaining amount of the loan, A reimbursement fund to calculate the reimbursement amount from the remaining loan;
A reimbursement settlement unit for repayment of the calculated reimbursement money for repayment of the loan and for reimbursement of reimbursement for reimbursement of other loans if the reimbursement is for releasing the collateral remaining in the one loan that has been canceled due to completion of repayment of the loan; And
The security arrangement is canceled by the unit of the collateral corresponding to the repayment amount settled, and if the remaining loan remains in the one annulment loan due to the repayment of the repayment, the remaining collateral is transferred to another loan, The release part
Wherein the mortgage loan system comprises:
For the creation of the loan for which the loan is requested, the investment amount of the plurality of investors is collected in the order of the lowest interest rate, the loan interest rate of the loan is calculated as an average of the interest rates of the collected investors, Further comprising an investor collecting unit for allowing the loan providing unit to provide the loan using the interest rate.
Further comprising a bond transfer unit for transferring the transfer of the bond between the investor having the bond of the investment amount constituting the loan and the transfer customer.
The loan amount calculation unit calculates,
The current value of the collateral for the loan used by the borrower is calculated by applying a loan rate that decreases as the shelf life of the product decreases. If the calculated value of the collateral value is more than the remaining loan of the total loan, the default loan rate is applied And calculating the loan amount by decreasing the loan rate as the calculated secured value amount is smaller than the remaining loan amount.
Further comprising a collateral management unit for managing information on the receipt and release of the collateral against the third storage facility,
Wherein the loan provider is notified of the receipt of the collateral from the third custodian through the collateral management unit,
And the collateral release unit transmits the warehouse of the collateral to the third storage facility through the collateral management unit.
The reimbursement calculation unit may calculate, for the collateral corresponding to the unit in which the cancellation is set,
If the first actual valuation amount calculated at the time of the loan is less than the second real valuation amount calculated at the time of repayment, the second actual valuation amount is calculated as the reimbursement amount,
If the first actual valuation exceeds the second,
If the third actual valuation amount calculated at the time of the loan is less than the fourth actual valuation amount calculated at the time of repayment, the second actual valuation amount is calculated as the reimbursement amount, and the third real valuation And the first actual valuation amount is set as the reimbursement amount when the first real valuation amount is larger than the sum of the reimbursement amount.
The reimbursement-
The amount of the repayment paid to the remaining loan of the one-time loan is distributed in proportion to the remaining investment amount of the investor collected in the loan, and the repayment amount settled in the remaining amount of collateral is redeemed for each other loan Wherein the amount of the loan is less than the loan rate of the city, and the larger amount is allocated to the other loans.
If the borrower fails to repay one loan, it treats the sale of the remaining collateral as a failure of the entire loan, and distributes the sale proceeds of each loan in proportion to the investment amount of the investor, Further comprising a collateral selling unit for distributing a larger amount of the remaining sales proceeds of the terminated loan item in proportion to the loss investment amount.
A step of setting a mortgage of the borrower for each unit of the product when the loan of the borrower is applied;
Calculating an actual evaluation amount at the time of loan of the collateral corresponding to the set unit and calculating a loan amount less than the actual evaluation amount by applying a loan rate to the calculated actual evaluation amount;
Providing a calculated loan for the loan application;
A step of setting a mortgage release of the borrower for each unit of the collateral, when the borrower is redeemed;
The amount of repayment exceeding the loan amount of the collateral corresponding to the unit in which the cancellation is set is calculated using the actual evaluation amount at the time of the loan and at the time of repayment, and if the calculated repayment amount is more than the remaining amount of the loan, Calculating a reimbursement amount using the remaining loan;
Settlement of the calculated reimbursement for repayment of the loan and payment of the reimbursement for the repayment of the other loan if the reimbursement for releasing the remaining collateral is canceled due to completion of repayment of the loan; And
Releasing the security setting by the unit of the collateral corresponding to the repayment amount that has been settled, and transferring the remaining collateral to another loan if the remaining loan remains in the annulled one loan by the repayment amount, and maintaining the security setting
Wherein the method comprises the steps of:
Prior to providing the loan,
For the creation of the loan for which the loan is requested, the investment amount of the plurality of investors is collected in the order of the lowest interest rate, the loan interest rate of the loan is calculated as an average of the interest rates of the collected investors, And allowing the execution of the step of providing the loan using the interest rate.
After providing the loan,
Further comprising the step of mediating the transfer of the bond between the investor having the bond of the investment amount constituting the loan and the transfer person.
The step of calculating the loan includes:
The current value of the collateral for the loan used by the borrower is calculated by applying a loan rate that decreases as the shelf life of the product decreases. If the calculated value of the collateral value is more than the remaining loan of the total loan, the default loan rate is applied And calculating the loan amount by decreasing the loan rate as the calculated value of the secured value is smaller than the remaining loan amount.
Prior to providing the loan,
Further comprising a collateral management step of managing information on the receipt and release of the collateral against the third repository,
The step of providing the loan may include notifying receipt of the collateral from the third storage facility through the collateral management step and granting the loan,
Wherein the step of releasing the collateral setting is a step of transmitting the warehouse of the collateral to the third storage facility through the collateral management step.
The step of calculating the amount of the reimbursement may include, for the collateral corresponding to the unit in which the cancellation is set,
The second actual valuation amount at the time of loan repayment is calculated with respect to the first real valuation amount calculated at the time of applying for the loan, and if the first real valuation amount is less than the second real valuation amount, Calculating;
If the first actual valuation amount exceeds the second actual valuation amount and the third actual valuation amount calculated at the time of the loan is less than the fourth actual valuation amount calculated at the time of repayment, Calculating a second actual valuation amount as the reimbursement amount; And
And the first actual valuation amount is a reimbursement amount when the first real valuation amount is larger than the redeemed amount and the third actual valuation amount is greater than the fourth actual valuation amount, Loan method.
Wherein the maintaining comprises:
The amount of the repayment paid to the remaining loan of the one-time loan is distributed in proportion to the remaining investment amount of the investor collected in the loan, and the repayment amount settled in the remaining amount of collateral is redeemed for each other loan And a step of allocating a larger amount of money to the other loans and allocating the same to the other loans.
After providing the loan,
If the borrower fails to repay one loan, it treats the sale of the remaining collateral as a failure of the entire loan, and distributes the sale proceeds of each loan in proportion to the investment amount of the investor, Further comprising the step of allocating a larger amount of the remaining sale proceeds of the terminated loan case in proportion to the loss investment amount.
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| KR1020160002187A KR101820352B1 (en) | 2016-01-07 | 2016-01-07 | Secured loan system for integrating and managing loans guaranteed by product and method thereof |
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| KR1020160002187A KR101820352B1 (en) | 2016-01-07 | 2016-01-07 | Secured loan system for integrating and managing loans guaranteed by product and method thereof |
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| KR101820352B1 true KR101820352B1 (en) | 2018-02-28 |
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| CN109658218A (en) * | 2018-09-27 | 2019-04-19 | 深圳壹账通智能科技有限公司 | It provides a loan singulated method, apparatus, equipment and readable storage medium storing program for executing |
| KR102387046B1 (en) * | 2019-07-18 | 2022-04-15 | 오상환 | Method and system for pawnshop automation of nonstorage pledge |
| KR102540038B1 (en) * | 2020-11-04 | 2023-06-05 | 주식회사 예드 | Method and server for providing loans and investment product linked to estimated year-end tax adjustment |
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| JP2002015172A (en) * | 2000-06-30 | 2002-01-18 | Yafoo Japan Corp | Auction service device on network for coping with secular depreciation factor |
| JP2006277452A (en) * | 2005-03-30 | 2006-10-12 | Daiwa Securities Group Inc | Loan method and loan system with security document as collateral |
| KR101106784B1 (en) * | 2009-11-06 | 2012-01-18 | 주식회사 하나은행 | Method and system for real time personalty mortgage loan |
-
2016
- 2016-01-07 KR KR1020160002187A patent/KR101820352B1/en active IP Right Grant
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002015172A (en) * | 2000-06-30 | 2002-01-18 | Yafoo Japan Corp | Auction service device on network for coping with secular depreciation factor |
| JP2006277452A (en) * | 2005-03-30 | 2006-10-12 | Daiwa Securities Group Inc | Loan method and loan system with security document as collateral |
| KR101106784B1 (en) * | 2009-11-06 | 2012-01-18 | 주식회사 하나은행 | Method and system for real time personalty mortgage loan |
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| KR20170082896A (en) | 2017-07-17 |
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