KR101835721B1 - Lending Mediation System and Method for Providing Lending Mediation Service - Google Patents

Abstract

Provided are a loan mediation platform system and a method for providing a loan mediation service, capable of protecting an investor when mediating a loan between a borrower and the investor. The loan mediation platform system and the method for providing a loan mediation service can mediate the loan between the borrower and the investor and more safely distribute a principal to the investor by enabling a partner financial institution to receive the principal if a platform operating company is bad. The loan mediation platform system includes a platform operating unit for matching the investor with the borrower, and a loan executing unit for executing the loan between the borrower and the investor which are matched with each other.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a loan brokerage platform system and a method for providing a loan brokerage service,

The present invention relates to a platform system for brokering a loan between a lender and an investor, and a method for providing a loan brokerage service. More particularly, the present invention relates to a platform system for protecting an investor in brokering a loan between a lender and an investor, And a method of providing the same.

In the conventional lending business, it is common that an individual who wishes to provide a loan provides his / her credit information to a specialized lending institution such as a bank or a loan company, inquires about a loanable condition, and applies for a loan. Thus, the current practice of lending led by banks or debtor firms is that it is difficult to protect the rights and interests of good loan applicants from collectors who have a high loan interest, fees and monopoly contracts with such institutions.

In addition, while the conventional loan market continues to grow, there are considerable inefficiencies and costs in transactions. In the case of loan transactions between a lender and an investor, the number and conditions of transactions are limited. In the case of loans between individuals and institutions, And related transaction costs are very high.

Therefore, it is possible to provide loans with an efficient loan brokerage service over the Internet, receive loans at a faster rate by receiving loan applications, collect loan amount from a large number of borrowers, provide loans to applicants, To provide loans at lower cost than market interest rates, and investors need to develop systems and methods that allow them to invest money in the lender of their choice.

Thus, the platform operator can receive the investment from a large number of investors and provide the loan to the borrower matched with the investor based on the investment amount. Here, in some cases, the platform provider may provide a loan to the lender through a contracted lender. In this case, investors will have a bond against the platform operator, and the lender will have a bond on the loan. If the borrower provides the principal to the lender, the platform provider will provide the investor with the remainder of the principal paid by the lender.

However, if the platform provider brokers the loan between the lender and the investor, if the platform provider or the lender fails, if one of the investors receives the reimbursement for the investment due to the bond to the platform provider, May not be able to collect the investment. Therefore, there is a need to develop systems and methods to protect investors.

One embodiment of the present invention is to receive a loan application with an efficient loan brokerage online and to provide information on investment products to investors so that the lender can receive the loan at a faster rate and at a lower interest rate and invest in the investment product desired by the investor A loan brokering platform system and a method of providing a loan brokering service.

In addition, an embodiment of the present invention can provide a loan intermediation platform system and a loan intermediation service providing method that can more safely protect an investor in brokering a loan between a lender and an investor.

According to another aspect of the present invention, there is provided a loan mediation platform system comprising: a platform operating unit for matching a lender and an investor by transmitting and receiving data to and from a lender terminal and an investor terminal; And a loan execution unit for executing a loan between the matched loaner and the investor upon receipt of a loan request from the loaner terminal, wherein the platform operating unit comprises: A storage unit for storing restriction commitment information including an operation restriction condition relating to at least one of the operation restriction conditions; An investor information database storing the investor information including the identification information on the investor and the bond information that is information on the bond owned by the investor with respect to the executed loan; A communication unit for receiving a loan request from the loaner terminal to the platform operating unit and providing information on the received loan request to the loan execution unit; The platform operating unit may provide the investor information stored in the investor information database to the affiliated financial institution server when an operation restriction event corresponding to the operation restriction condition occurs.

In addition, the loan brokering platform system according to another embodiment may be configured as a cloud computing interface.

According to another embodiment of the present invention, the loan broking platform system further comprises: information on the lien corresponding to the loan; and information on the lien to set the pledge on the lien when the loan is executed To the affiliated financial institution server.

In addition, the loan brokering platform system according to another embodiment may further include at least one of consent for execution of the pledge, consent for application of an auction of an underlying asset, and consent for a partner financial institution to receive a dividend on principal Information to the affiliated financial institution server.

According to another embodiment of the present invention, the affiliated financial institution server may allocate principal amount obtained by executing the pledge to each investor based on the investor information.

Further, a loan broking platform system according to another embodiment monitors whether the default of the platform operator and the default of the loan executor have occurred, based on the operating constraints, and the default of the platform operator and the loan executor And a monitoring unit for generating the operation restriction event when it is determined that a default of the operation restriction event has occurred.

According to an aspect of the present invention, there is provided a method for providing a loan intermediation service between a lender and an investor, the loan intermediation platform system including a platform operation unit and a loan execution unit, Matching the borrower and the investor by transmitting and receiving data to and from the loaner terminal and the investor terminal; Executing a loan for the borrower upon receipt of a loan request from the borrower terminal through the platform operating unit; The platform operating unit storing limitation commitment information including an operating constraint on at least one of a default of the platform operator and a default of the loan executor; Storing the investor information including the identification information on the investor and the bond information which is information on the bond owned by the investor with respect to the executed loan; And providing the investor information stored in the investor information database to the affiliated financial institution server when the operation restriction event corresponding to the operation restriction condition occurs.

According to another aspect of the present invention, there is provided a method for providing a loan brokerage service, comprising the steps of: acquiring information on a lien corresponding to the loan; and setting information about the lien to set the pledge on the lien when the loan is executed To the affiliated financial institution server.

According to another embodiment of the present invention, the step of transmitting the information on the security right to the affiliated financial institution server includes the steps of: agreeing to execute the pledge, agreeing to apply for auction of the underlying asset, And transferring at least one of agreements for receiving the dividend to the affiliated financial institution server.

According to another embodiment of the present invention, the step of providing the investor information to the affiliated financial institution server may include monitoring whether the default of the platform operator and the default of the loan executor have occurred, based on the operation restriction condition, And generating the operation restriction event when it is determined that a default of the platform operator and a default of the loan executor have occurred.

According to the above-mentioned object of the present invention, the borrower can receive the loan quickly and efficiently at a low interest rate through efficient loan intermediation through the Internet.

In addition, investors can safely make free cash investments that provide higher interest income relative to interest income from commercial banks.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a schematic diagram illustrating a loan brokerage platform system according to an embodiment of the present invention.
2 is a flowchart illustrating a process for providing a loan brokering service according to one embodiment.
3 is a flowchart illustrating a process in which a loan brokering platform system matches a lender and an investor in accordance with an embodiment.
4 is an exemplary diagram illustrating a user interface for a lender to input information included in a lending application through a lender terminal according to an exemplary embodiment of the present invention.
FIG. 5 is an exemplary diagram illustrating a user interface for an investor to confirm information on an investment product through an investor terminal and to select an investment product according to an embodiment.
6 is a diagram illustrating a process in which the loan brokerage system monitors the operating status of a platform operator and provides investor information in the event of a failure, according to an exemplary embodiment.
7 is a block diagram briefly showing a structure of a platform operating unit according to an embodiment.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings, which will be readily apparent to those skilled in the art. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

It will be understood that throughout the specification, when a part is referred to as being "connected" to another part, it is understood that this is not necessarily the case when it is "directly connected", but also when it is "electrically connected" And "connected to enable communication". Also, when an element is referred to as "comprising ", it means that it can include other elements as well, without departing from the other elements unless specifically stated otherwise.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a schematic diagram illustrating a loan brokerage platform system according to an exemplary embodiment of the present invention.

The loan brokering platform system 100 according to an embodiment may include a platform operation unit 110 and a loan execution unit 120. Here, the loan brokering platform system 100 may include a device capable of transmitting and receiving data with the lender terminal 140 and the investor terminal 150 and processing information. For example, the loan brokering platform system 100 may be configured using a cloud computing interface. According to the embodiment, the platform operating unit 110 is a server operated by a platform operator who operates a platform for mediating a loan, and the loan execution unit 120 is a linked financial institution (loan executor) And a server operating in the Internet. Here, the linked financial institution may be a loan company. However, the platform operation unit 110 and the loan execution unit 120 may be implemented on one server, but the present invention is not limited thereto.

The loaner terminal 140 and the investor terminal 150 may connect to the loan brokering platform system 100 via an app or web installed in each terminal and transmit and receive data. The loaner terminal 140 and the investor terminal 150 may be terminal devices including input / output devices such as a smart phone, a PC, a PDA, a laptop, a tablet PC, and an information processing device, but are not limited thereto.

The investor information database 160 stores the investor information including the identification information on the investor and the bond information, which is information on the bond held by the investor with respect to the loan executed by the borrower through the platform operator. The investor information database 160 may be configured through a storage medium physically included in the loan intermediation platform system 100, but may be separately configured in a remote storage medium. The bond information stored in the investor information database 160 may include information on the principal of the investment invested by the investor through the platform operator, the interest accrued on the investment, and the amount paid to the investor on the principal.

The affiliated financial institution server 130 may be a server 130 operated by an affiliated financial institution. An affiliated financial institution may withdraw the loan executed by the platform operator against the borrower if the platform operator or the linked financial institution incurs a default (bankruptcy of the platform operator or default of the loan practitioner). In addition, the affiliated financial institution can distribute the loan to the investors who have invested in the loan product, thereby preventing some investors from failing to collect the investment money at all. Here, the affiliated financial institution may set a pledge on the lien on the loan money of the linked financial institution as the loan is executed to recover the loan.

Since the affiliated financial institution has the pledge set for the lien, it can carry out the post-processing on the loan that has been recovered.

Here, in order for the partner financial institution to fulfill the above-mentioned role, the platform operator, the linked financial institution and the affiliated financial institution should assume responsibility of the platform operator, the linked financial institution and the affiliated financial institution, A regulatory limitation may be established. In this case, the operational restriction condition is a condition that restricts the platform operator from operating the loan brokerage service, which means that the platform operator's default and the default of the loan executor may occur, but the present invention is not limited thereto.

For example, the restriction agreement may include the following contents.

- The platform operator shall have all the shares of the linked financial institutions.

In cases where the interests of the linked financial institutions are held by a third party other than the platform operator, it may happen that the management of the linked financial institutions can not be performed collectively. In order to prevent such problems in advance, the platform operator may set the condition that it has all the shares of the linked financial institutions.

- Platform operators should have the necessary information to comply with P2P (Peer to Pear) guidelines and financial regulations.

The P2P guidelines and regulations to comply with financial regulations are normally designed to protect investors. Therefore, platform vendors need to be prepared to comply with P2P guidelines and financial regulations.

- Transfer of computerized system including investor information to affiliated financial institution when bankruptcy of platform operator or affiliated institution is processed

It is desirable that the transfer of the computerized system to the affiliated financial institution be carried out after the settlement of the default of the platform provider or the affiliated institution is established. However, the present invention is not limited to this and, if necessary, it may perform a preliminary work for transferring the computer system including the investor information to the affiliated financial institution even before the default processing is determined.

- Linked financial companies should only generate loans (mortgage bonds) and issue principal payments.

In the event that the affiliated financial company incurs a default on the linked financial company due to the execution of other tasks other than the issuance of the loan claim (collateralized bond) and issuance of the principal payment receipt, the principal of issuing the loan receivable (collateralized bond) It is against the intent of achieving the purpose.

- Linked finance companies shall not borrow funds other than affiliated financial institutions and platform operators.

Linked financial companies need to be limited to partner financial institutions and platform providers in the channel of borrowing. If not, it will be exposed to the management insolvency caused by borrowing.

- The affiliated financial institution should provide the cause document for the collateral bond to the affiliated financial institution.

- The affiliated financial company should provide pledge on the lien to the affiliated financial institution

- The linked financial institution shall not transfer the lien without the consent of the affiliated financial institution.

- The affiliated financial institution shall agree that the affiliated financial institution will execute the pledge set for the lien when dealing with the default of the linked financial institution.

- The affiliated financial institution shall agree that the affiliated financial institution will apply for an auction for the underlying asset when the defaulting financial company is defaulted.

- In connection with the default of the linked financial institution, the affiliated financial institution shall agree to receive the dividend for the full principal amount of the mortgage bond.

- Linked financial companies should begin the process of collecting bonds through sale, auction or auction within 3 months of the occurrence of delinquency in the bond

- Affiliated financial institutions should transfer the rights related to collateral bonds when defaulting on platform operators or affiliated financial institutions.

- Affiliated financial institutions should allocate or deposit principal on the basis of investor information

- Affiliated financial institutions should inform the investors of the transfer details and the period of the appeal when the rights are transferred.

The Restriction Agreement information may include information on the content of the Restriction Agreement and operational restrictions. The restriction contract information may be stored in at least one of the platform management unit 110 and the loan execution unit 120.

In accordance with the above-mentioned restricting information, the platform operator can recruit investors to pay the principal amount and to manage the investors 'funds and to pay the investors' have. Here, the principal payment receipt means that a participant concludes a loan participation contract with a credit company as a method of selling a loan asset held by a credit company to a participant. In addition, in relation to the loan agreement formed between the credit company and the borrower, the participant pays the amount equivalent to the principal of the loan to the loan company, but does not affect the bond and the debt relationship between the borrower and the loan company, If the principal and interest are paid by the lender from the lender, the payment shall be made to the participant, and the risk of failing to recover the principal due to delinquency of the lender means the commitment borne by the participant. Investors who acquire the right to receive principal payments through investment do not have the right to be a creditor who can directly receive the principal and withdraw the principal from the borrower who is subject to the loan.

According to one embodiment, the restriction commitment information may further include a commitment that the associated financial institution or platform provider can not eradicate the lien without the consent of the affiliated financial institution.

2 is a flowchart illustrating a process for providing a loan brokering service according to one embodiment.

First, in step S200, the platform operating unit 110 may store the restriction commitment information. Here, the restriction contract information may include information on an operation restriction condition for determining whether the platform operator should restrict the operation of the loan brokering service, and an operation to be performed by the loan brokering platform system 100 when the operation restriction condition is satisfied .

Thereafter, in step S210, the platform operating unit 110 transmits and receives data to and from the lending terminal 140 and the investor terminal 150, thereby matching the lender and the investor. Here, the platform operating unit 110 may receive the loan application information from the loaner terminal. The investment item information can be generated based on the loan application information. In addition, according to one embodiment, the platform operating unit 110 can determine at least one of the availability of the loan, the risk of investment, and the interest rate based on the loan application information. The investment product information may include at least one of loan amount, interest rate, maturity, loan to value ratio (LTV), collateral information, safety score, investment grade and investment offer period information. Here, the mortgage loan ratio means the portion of the loan to the external appraisal value. The mortgage loan ratio can be calculated by dividing the sum of the loan amount and the senior amount for the platform operator by the external appraisal value. The safety score may be a score calculated by reflecting the proportion of the senior amount to the appraised value, the proportion of the loan to the collateral limit, and the residual value of the real estate after the execution of the loan. In addition, the investment grade may refer to a grade of an investment product which is determined by collecting a plurality of scores such as a type of object, a safety score, and a judgment value. The collateral information may include information such as, for example, collateral type, external appraisal value, platform operator appraisal value, priority, collateral limit by object, and collateral availability. Priority may refer to the amount of a bond that is repaid at a higher priority than a linked financial institution that has executed the loan after the loan has been executed. The mortgage limit by object means the maximum loan limit amount calculated by applying the mortgage recognition rate for each type of collateral according to the predetermined loan examination standard. The collateral value means the amount of external appraisal of the individual item and the amount deducted from the platform operator appraisal value for the seniority. The investor can invest in the investment product by selecting the investment product information through the investor terminal 150.

If the borrower and the investor match in step S210, the loan execution unit 120 can execute the loan for the borrower in step S220. According to one embodiment, the loan execution unit 120 may receive the loan application information from the platform operation unit 110, and may transfer the loan to the account of the borrower according to the received loan application information. Also, in step S220, the loan execution unit 120 may store information on the security right set for the executed loan. The loan execution unit 120 may provide the affiliated financial institution server 130 with information on the security right to provide the pledge to the affiliated financial institution.

Thereafter, in step S230, the platform operating unit 110 may store investor information. Here, the investor information may store in the investor information database 160 the investor information including the identification information for identifying the investor and the bond information, which is information on the bond held by the investor. According to the embodiment, step S230 may be performed by the loan execution unit 120. [

In step S240, the loan brokering platform system 100 may determine whether an operation restriction event has been issued. According to one embodiment, the loan brokering platform system 100 may further include a monitoring unit for monitoring whether the default of the platform operator and the default of the loan executor have occurred, based on operational constraints included in the stored restriction commitment information. For example, the monitoring unit may obtain information on the obligations of the platform operator and the loan executor, the bonds, the assets, and the like, and determine whether the platform operator and the loan executor have defaulted based on the obtained information. In this way, the monitoring unit can generate an operation restriction event when the acquired information matches the operation restriction condition. The operation restriction event may be a message indicating that an operation restriction reason has occurred. Alternatively, for example, the monitoring unit may generate an operation restriction event by inputting that a platform operator has separately caused a default in the platform operation unit 110 or the monitoring unit. Further, according to another embodiment, the monitoring unit may be configured separately from the loan brokering platform system. For example, the monitoring unit may be included in the affiliated financial institution server 130 so that the affiliated financial institution monitors the operation status of the platform operator and the loan executor.

If it is determined in step S240 that the operation restriction event has occurred (S245), the platform operation unit 110 may provide the investor information to the affiliated financial institution server 130 in step S250. According to one embodiment, the platform operating unit 110 may provide the investor information to the affiliated financial institution server 130 by transmitting the investor information stored in the investor information database 160 to the affiliated financial institution server 130. Alternatively, according to another embodiment, the platform operating unit 110 may provide the investor information by granting the authority to the investor information database 160 to the affiliated financial institution server 130. [

The partner financial institution server receiving the investor information can allocate the principal received by exercising pledge on the lien on each investor based on the investor information.

3 is a flowchart illustrating a process in which the loan brokering platform system matches a lender and an investor in step S210 according to an embodiment. FIG. 3 is for illustrating an embodiment of the present invention, and is not limited thereto.

In step S310, the platform operating unit 110 may receive the loan application information from the loaner terminal 140. [ According to one embodiment, the loaner terminal 140 executes the application installed in the loaner terminal 140 or accesses the web site provided by the platform operating unit 110, 400 can be output. The lender can input the loan application information through the user interface 400. [ According to one embodiment, the loan application information may include the name of the borrower, the e-mail address, the telephone number, the loan product to be used by the borrower, the address of the real estate collateral, the loan amount, and the loan expiration date.

Upon receipt of the loan application information from the loaner terminal 140, the platform operating unit 110 can determine whether or not the loan can be made based on the received loan application information. Here, the platform operating unit 110 may automatically determine whether or not the loan can be made based on the loan application information, but the platform operating company may input the availability of the loan to the platform operating unit 110 according to the loan application information.

Thereafter, in step S320, the platform operating unit 110 may generate investment product information based on the loan application information. Herein, the investment goods information may include at least one of the information of the borrower, the loan amount, the collateral, the investment risk, and the interest rate. According to one embodiment, the platform operating unit 110 may calculate an investment risk and an interest rate based on a predetermined calculation formula based on loan application information.

Thereafter, in step S330, the platform operation unit 110 may provide the investment product information generated by the investor terminal 150 to the investor. The investor terminal 150 may output a user interface through which the investor can check and select the investment goods based on the investment product information provided from the platform operation unit 110. [

FIG. 5 is an exemplary diagram illustrating a user interface 500 for an investor to confirm information about an investment product through the investor terminal 150 and to select an investment product according to an embodiment. The user interface 500 for selecting an investment product may include an investment goods list 510-1 and 510-2 for displaying information on investment products. When the user selects any one of the investment goods list 510-1 and 510-2 displayed on the investor terminal 150, the investor terminal 150 provides investment application information on the investment product to the platform operation unit 110 . Here, the investment application information may include, but is not limited to, identification information and investment amount of the investment product selected by the investor.

The platform operation unit 110 receiving the investment application information provided by the investor terminal 150 in step S340 may match the lender who has transmitted the loan application information through the loaner terminal 140 with the investor.

6 is a diagram illustrating a process in which the loan brokerage system monitors the operating status of a platform operator and provides investor information in the event of a failure, according to an exemplary embodiment. However, FIG. 6 is for explaining one embodiment of the present invention, and the specific process according to the embodiment may be changed for the same purpose.

First, the loan brokering platform system 100 receives and stores the restriction contract information including the operation restriction condition from the IR server 130 (S610). Thereafter, the loan intermediation platform system 100 may match the investor with the borrower by transmitting and receiving data with the loaner terminal 140 and the investor terminal 150 (S630).

If the investor and the borrower match in step S630, the loan mediating platform 100 can transmit information informing the loaner terminal 140 that the loan has been executed. Thereafter, the loan brokering platform system 100 may store investor information on investors who have invested in the executed loan (S650).

Thereafter, the loan brokering platform system 100 may monitor the operational status of the platform operator and the loan executor based on the restriction contract information (S660). Thereafter, if the operation restriction condition included in the restriction contract information is satisfied, the loan brokering platform system 100 may provide the investor information to the investment grant server S670.

7 is a block diagram briefly showing a structure of a platform operating unit according to an embodiment.

The platform operating unit 110 according to one embodiment may include a storage unit 710, an investor information database 720, a communication unit 730, and a transfer unit 740.

The storage unit 710 according to one embodiment may include a storage medium for storing information. For example, the storage unit 710 may include, but is not limited to, a storage medium such as a flash memory, an HDD, and an SSD. The repository may store constraint commitment information including operational constraints on one or more of the platform operator's default and the lender's default.

The investor information database 720 according to one embodiment may store and manage investor information. The communication unit 730 may transmit and receive data to and from the loaner terminal 140, the investor terminal 150 and the affiliated financial institution server 130 through a communication network such as the Internet. The platform operating unit 110 may receive the loan request from the loaner terminal 140 via the communication unit 730 and provide the loan execution unit 120 with information on the received loan request.

The assigning unit 740 according to one embodiment may include one or more processors. The transfer unit 740 may determine whether an operation restriction event corresponding to the transfer restriction condition stored in the storage unit has occurred. When the operation restriction event occurs, the transfer unit 740 can provide the investor information to the affiliated financial institution server 130 through the communication unit 730. [

One embodiment of the present invention may also be embodied in the form of a recording medium including instructions executable by a computer, such as program modules, being executed by a computer. Computer readable media can be any available media that can be accessed by a computer and includes both volatile and nonvolatile media, removable and non-removable media. In addition, the computer-readable medium may include both computer storage media and communication media. Computer storage media includes both volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Communication media typically includes computer readable instructions, data structures, program modules, or other transport mechanisms, and includes any information delivery media.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

Claims (10)

A platform operation unit for transmitting and receiving data to and from a lender terminal and an investor terminal to match a lender and an investor; And
And a loan executing unit for executing a loan between the matched loaner and the investor as the platform operating unit receives a loan request from the loaner terminal,
The platform operating unit,
A storage unit for storing restriction commitment information including operating constraints on at least one of a default of the platform operator and a default of the loan executor who is a linked financial institution in contract with the platform operator;
An investor information database storing the investor information including the identification information on the investor and the bond information that is information on the bond owned by the investor with respect to the executed loan;
A communication unit for receiving a loan request from the loaner terminal to the platform operating unit and providing information on the received loan request to the loan execution unit; And
Wherein the platform operating unit provides the investor information stored in the investor information database to an affiliated financial institution server when an operation restriction event corresponding to the operation restriction condition occurs,
Acquiring information on the lien corresponding to the loan and transmitting the information on the lien to the affiliated financial institution server to set the pledge on the lien when the lending is executed,
The affiliate financial institution server distributes the principal amount obtained by executing the pledge to each investor based on the investor information,
The restriction contract information between the platform operator, the linked financial institution, and the affiliated financial institution includes information on the platform operator having all of the interests of the linked financial institution, the linked financial institution issuing a loan receipt and issuing a principal receipt right A financial institution that does not borrow money other than the affiliated financial institution and the platform operator; the linked financial institution provides the pledge for the lien to the affiliated financial institution; Wherein the financial intermediary institution or the platform operator includes matters that do not transfer the collateral right without the consent of the affiliated financial institution and that the collateral financial institution or the platform operator can not erase the collateral right without the consent of the affiliated financial institution. system.
The method according to claim 1,
The loan brokering platform system comprises:
Lt; RTI ID = 0.0 > a < / RTI > cloud computing interface.
delete The method according to claim 1,
The loan brokering platform system comprises:
Further transferring information to the affiliated financial institution server about at least one of an agreement on execution of the pledge, an agreement on an application for an auction of an underlying asset, and an agreement on a partnership financial institution to receive dividends on principal and interest, system.
delete The method according to claim 1,
The loan brokering platform system comprises:
Monitoring whether a default of the platform operator and a default of the loan executor has occurred based on the operation restriction condition and generating the operation restriction event when it is determined that the default of the platform operator and the default of the loan executor have occurred A loan brokerage platform system, further comprising a monitoring section.
A method of providing a loan brokerage service between a lender and an investor, the brokerage platform system including a platform operation unit and a loan execution unit,
Matching the borrower and the investor by transmitting and receiving data to and from the loaner terminal and the investor terminal;
Executing a loan for the borrower upon receipt of a loan request from the borrower terminal through the platform operating unit;
Storing the restriction commitment information including the operating constraints on at least one of the default of the platform operator and the default of the loan executor being a linked financial institution contracted with the platform operator;
Storing the investor information including the identification information on the investor and the bond information which is information on the bond held by the investor with respect to the executed loan;
Providing the investor information stored in the investor information database to the affiliated financial institution server when the operation restriction event corresponding to the operation restriction condition occurs; And
And transmitting information on the security right to the affiliated financial institution server to obtain information on the security right corresponding to the loan and to set a pledge on the security right when the loan is executed,
The principal collected by executing the pledge by the affiliated financial institution server is distributed to each investor based on the investor information,
The restriction contract information between the platform operator, the linked financial institution, and the affiliated financial institution includes information on the platform operator having all of the interests of the linked financial institution, the linked financial institution issuing a loan receipt and issuing a principal receipt right A financial institution that does not borrow money other than the affiliated financial institution and the platform operator; the linked financial institution provides the pledge for the lien to the affiliated financial institution; Wherein the financial institution or the platform operator does not transfer the security right without consent of the affiliated financial institution, and the linked financial institution or the platform operator can not erase the security right without consent of the affiliated financial institution. Delivery method.
delete 8. The method of claim 7,
The step of transmitting information on the security right to the affiliated financial institution server comprises:
And further transmits to the affiliated financial institution server information on at least one of agreement on execution of the pledge, agreement on application for auction of an underlying asset, and agreement on receipt of a dividend to the principal by the affiliated financial institution , A method for providing a loan brokerage service.
8. The method of claim 7,
The step of providing the investor information to an affiliated financial institution server includes:
Monitoring whether a default of the platform operator and a default of the loan executor has occurred based on the operation restriction condition and generating the operation restriction event when it is determined that the default of the platform operator and the default of the loan executor have occurred ≪ / RTI >

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