KR102121901B1 - System for online public fund investment management assessment service - Google Patents

Abstract

Provided is a policy fund online review and evaluation system. The policy fund online review and evaluation system includes: a user terminal that receives and outputs user condition values for policy fund review and evaluation and receives and outputs a report of the results of policy fund review and evaluation; and a policy fund review and evaluation server including an input unit that receives a user condition value received from the user terminal as a query, a comparison unit that compares pre-established policy fund evaluation criteria corresponding to at least one policy fund institution with the user condition values, and a matching unit that transmits a review and evaluation report including an announcement list having a maximum reference matching rate to the user terminal.

Description

Online Evaluation Evaluation System for Policy Funds {SYSTEM FOR ONLINE PUBLIC FUND INVESTMENT MANAGEMENT ASSESSMENT SERVICE}

The present invention relates to a policy fund online evaluation and evaluation system, and provides a system capable of providing policy fund review and evaluation online without human intervention.

Small and medium-sized enterprises in Korea account for 99.9% of the total number of Korean companies and 90.3% of the total number of employed people, but they are a great foundation of the economy, but management performance indicators such as profitability and stability of small and medium-sized enterprises are very low compared to large companies, and credit is relatively low. I am having a hard time raising funds from commercial finance. From the perspective of financial institutions, the financial situation of SMEs is difficult to grasp and credit risk is required, so it is difficult to provide funds, so the central government and local governments have introduced and operated various policy fund support systems. The policy fund support system is being promoted with the goal of enhancing the competitiveness of companies through the provision of low-interest policy funds to companies with excellent technical skills and management capabilities, but with weak financial infrastructure. This is a system in which the government provides low-risk loans, contributions, investments, and subsidies in the form of loans, funds, etc., which are sourced from budgets and funds to achieve policy objectives such as strengthening the competitiveness of SMEs and promoting start-ups. Includes corporate support fund, development technology commercialization fund, business conversion fund, small business support fund, etc.

At this time, in order to reduce the confusion of applicants arising from different institutions, sectors, targets, conditions, and contents that support policy funding, a method of providing information on the policy funding support system has been researched and developed. Therefore, in the prior art, Korean Registered Patent No. 10-0618169 (announced on August 29, 2006), the small and medium-sized enterprises, small and medium-sized enterprises and prospective entrepreneurs were integrated and customized all policy support systems organized by government departments, local governments, and related organizations. To provide guidance, if an information request is received, it is delivered to a search engine, linked to multiple organizations connected by single sign on (SSO) with one login, and the database-based policy funding system is searched for by keyword, institution, Disclosed is a configuration that provides a search engine that provides a search engine that provides search by sector, period, and company characteristic, and provides a customized search platform that automatically searches and provides supportable policy projects based on company information entered by an applicant.

However, even if the above-described configuration is used, users who want to apply to the policy funding system cannot know how much their data will be evaluated, whether it is likely to pass, or what kind of evaluation results to receive. You have to find illegal brokers or non-regular institutions for consulting or review evaluation, and the additional cost is burdened by crying mustard and crying in small and medium-sized businesses or small and medium-sized businesses, which are financially weak to increase their chances of passing through. Individuals, small business owners, and small and medium-sized enterprises (SMEs) who want to apply for the policy fund support system should go directly to the officials who are in charge of offline services, and even if they do, listening to the opinions of the people in charge is the basis for predicting the possibility of passing. While the complaints that the policy funding system is complex, the procedures are complicated, and that it is difficult to understand, each local government is holding a briefing session on the policy fund utilization strategy, the majority of opinions are still that the type and requirements of the policy fund are complex and the application process is inconvenient. However, the number of civil complaints continued to increase, and even the recommendations of the National Human Rights Commission of Korea remained unanswered. Accordingly, it is required to research and develop an online platform that can be consulted on a policy fund support system automatically and without human intervention.

Korean Registered Patent No. 10-0618169 (announced on August 29, 2006)

In one embodiment of the present invention, at least one status information of small and medium-sized businessmen and small and medium-sized enterprises supporting the policy fund support system is collected, and the policy has the greatest possibility of passing through comparative analysis with at least one review and evaluation criterion in a pre-established database. In addition to searching for funding announcements, consulting is possible even without human intervention by providing information on preparation items to increase the likelihood of passage, and institutions, sectors, targets, conditions and contents that support policy funds for each support announcement While reducing the confusion of applicants caused by each of these differences, it is possible to intuitively grasp the information in the policy fund support system, and to finance and fund the budget and funds prepared to strengthen the competitiveness of SMEs and promote entrepreneurship. It can provide online evaluation and evaluation methods for policy funding, which can be invested and subsidized, establish a stable management environment, and build a safety net by raising self-sufficiency. However, the technical problem to be achieved by the present embodiment is not limited to the technical problem as described above, and other technical problems may exist.

As a technical means for achieving the above-described technical problem, an embodiment of the present invention is a user terminal for receiving and outputting a user condition value for a policy fund assessment evaluation, and receiving and outputting a report of the result of the policy fund assessment evaluation, and An input unit that receives the user condition value received from the user terminal as a query, a comparison unit that compares a pre-established policy fund evaluation criterion and a user condition value corresponding to at least one policy funding institution, and a maximum comparison result of the comparison unit And a policy fund evaluation evaluation server including a matching unit that transmits a evaluation evaluation report including a list of announcements having a matching rate to a user terminal.

According to any one of the above-described problem solving means of the present invention, by collecting at least one status information of small and medium-sized enterprises and small and medium-sized enterprises supporting the policy funding system, and comparing and analyzing at least one review and evaluation criterion in a pre-built database In addition to searching for policy fund support announcements with the possibility of passing through, and providing information on preparation items to increase the passability, consulting is possible even without human intervention, and institutions and fields that support policy fund for each support announcement In addition, it reduces the confusion of applicants caused by different targets, conditions, and content, and at the same time provides intuitive information on the policy funding system, and provides budgets and funds to strengthen SMEs' competitiveness and promote entrepreneurship. You can receive loans, contributions, investments, and subsidies at the right time, and you can establish a stable management environment and build a safety net by raising your self-sufficiency.

1 is a view for explaining the policy fund online audit evaluation system according to an embodiment of the present invention.
FIG. 2 is a block diagram illustrating a policy fund evaluation and evaluation server included in the system of FIG. 1.
3 and 4 are diagrams for explaining an embodiment in which the policy fund online assessment service is implemented according to an embodiment of the present invention.
5 is an operation flowchart for explaining a method for online evaluation and evaluation of policy funds according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art to which the present invention pertains may easily practice. However, the present invention can be implemented in many different forms and is not limited to the embodiments described herein. In addition, in order to clearly describe the present invention in the drawings, parts irrelevant to the description are omitted, and like reference numerals are assigned to similar parts throughout the specification.

Throughout the specification, when a part is "connected" to another part, this includes not only "directly connected" but also "electrically connected" with another element in between. . Also, when a part is said to "include" a certain component, it means that the component may further include other components, not exclude other components, unless specifically stated otherwise. However, it should be understood that the existence or addition possibilities of numbers, steps, actions, components, parts or combinations thereof are not excluded in advance.

The terms "about", "substantially", and the like used throughout the specification are used in or at a value close to the value when manufacturing and substance tolerances unique to the stated meaning are given, and the understanding of the present invention. To aid, accurate or absolute figures are used to prevent unscrupulous use of the disclosed disclosure by unscrupulous infringers. The term "~(step)" or "step of" as used in the entire specification of the present invention does not mean "step for".

In the present specification, the term “unit” includes a unit realized by hardware, a unit realized by software, and a unit realized by using both. Further, one unit may be realized using two or more hardware, and two or more units may be realized by one hardware.

In the present specification, some of the operations or functions described as performed by the terminal, the device, or the device may be performed instead on a server connected to the corresponding terminal, device, or device. Similarly, some of the operations or functions described as being performed by the server may be performed in a terminal, apparatus, or device connected to the corresponding server.

In this specification, some of the operations or functions described as mapping or matching with the terminal means that the unique number of the terminal or identification information of the individual, which is identification data of the terminal, is mapped or matched. Can be interpreted as

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

1 is a view for explaining the policy fund online audit evaluation system according to an embodiment of the present invention. Referring to FIG. 1, the policy fund online assessment system 1 may include at least one user terminal 100, a policy fund assessment server 300, and at least one policy fund institution server 400. . However, since the policy fund online evaluation and evaluation system 1 of FIG. 1 is only an embodiment of the present invention, the present invention is not limitedly interpreted through FIG. 1.

At this time, each component of FIG. 1 is generally connected through a network (network, 200). For example, as shown in FIG. 1, at least one user terminal 100 may be connected to the policy fund evaluation and evaluation server 300 through the network 200. In addition, the policy fund evaluation and evaluation server 300 may be connected to at least one user terminal 100 and at least one policy fund institution server 400 through the network 200. In addition, the at least one policy fund institution server 400 may be connected to the policy fund assessment evaluation server 300 through the network 200.

Here, the network means a connection structure capable of exchanging information between each node such as a plurality of terminals and servers, and examples of such a network include RF, 3GPP (3rd Generation Partnership Project) network, and LTE (Long Term) Evolution (Evolution) network, 5GPP (5th Generation Partnership Project) network, WIMAX (World Interoperability for Microwave Access) network, Internet (Internet), Local Area Network (LAN), Wireless Local Area Network (LAN), Wide Area Network (WAN) , PAN (Personal Area Network), Bluetooth (Bluetooth) network, NFC network, satellite broadcasting network, analog broadcasting network, DMB (Digital Multimedia Broadcasting) network, and the like.

In the following, the term at least one is defined as a term including singular and plural, and even if the term at least one does not exist, each component may exist in singular or plural, and may mean singular or plural. It will be self-evident. In addition, it may be said that each component is provided in a singular or plural form, depending on the embodiment.

The at least one user terminal 100 may be a terminal of an individual or a company who is an applicant who intends to apply for a policy fund support system using a web page, an app page, a program or an application related to the policy fund online assessment service. To this end, the at least one user terminal 100 directly inputs data corresponding to the preset user condition value and transmits it to the policy fund evaluation and evaluation server 300, or policies for data corresponding to the preset user condition value. It may be a terminal that grants access to allow third party information to be viewed by the fund evaluation server 300. In addition, the at least one user terminal 100 may be a terminal that receives an announcement list of a policy fund support system that can be supported by an individual or a company from the policy fund evaluation and evaluation server 300. Further, the at least one user terminal 100 may receive a policy fund review evaluation report from the policy fund review evaluation server 300 including a list of announcements having the highest probability of passing as a user condition value input by an individual or a company. It may be a terminal that outputs a list of matching policy fund support conditions and policy fund evaluation criteria and a list of policy fund support conditions and policy fund evaluation criteria that are not matched and overlaid on the policy fund evaluation report. And, at least one user terminal 100, as a consulting content, to narrow the gap between user condition values, policy fund support conditions and policy fund evaluation criteria within a list that does not match from the policy fund evaluation and evaluation server 300 It may be a terminal provided together.

Here, the at least one user terminal 100 may be implemented as a computer capable of accessing a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser (WEB Browser), a desktop, a laptop, and the like. At this time, the at least one user terminal 100 may be implemented as a terminal capable of accessing a remote server or terminal through a network. The at least one user terminal 100 is, for example, a wireless communication device in which portability and mobility are guaranteed, navigation, PCS (Personal Communication System), GSM (Global System for Mobile communications), PDC (Personal Digital Cellular), Personal Handyphone System (PHS), Personal Digital Assistant (PDA), International Mobile Telecommunication (IMT)-2000, Code Division Multiple Access (CDMA)-2000, W-Code Division Multiple Access (W-CDMA), Wireless Broadband Internet ) It may include all kinds of handheld-based wireless communication devices such as a terminal, a smartphone, a smartpad, and a tablet PC.

The policy fund assessment evaluation server 300 may be a server that provides a policy fund online assessment service web page, an app page, a program, or an application. Then, the policy fund evaluation and evaluation server 300 collects the policy fund support system and public announcement data from at least one policy fund institution server 400, extracts the evaluation evaluation criteria data in the collected public announcement data, and then evaluates the policy fund It may be a server that maps to a standard and stores and database. In addition, when the policy fund assessment evaluation request is transmitted from the user terminal 100, the policy fund assessment evaluation server 300 pre-stores the policy fund evaluation criteria of each data included in the user condition value input from the user terminal 100. It may be a server that maps or matches with and checks whether the match is YES or NO, and then calculates the matching rate. In addition, the policy fund evaluation evaluation server 300 may be a server that generates a evaluation evaluation report including a list of announcements having the highest calculated matching rate. At this time, the policy fund evaluation and evaluation server 300 classifies the quantitative data for differences in numbers as qualitative data and the qualitative data for differences in content when matching, and the policy fund evaluation criteria for differences in numbers. And a server capable of including pre-stored consulting content that narrows the gap after comparing user condition values in a review evaluation report. Then, the policy fund evaluation and evaluation server 300 extracts keywords that generate a difference between the user condition values classified as qualitative data and the policy fund evaluation criteria, and then stores the policy fund content pre-mapped and stored in the keyword to the evaluation evaluation report. It can be a server to include. To this end, the policy fund evaluation and evaluation server 300 may be a server that maps and stores consulting content for each keyword or tag.

Here, the policy fund evaluation and evaluation server 300 may be implemented as a computer that can access a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser (WEB Browser), a desktop, a laptop, and the like.

The at least one policy fund institution server 400 may be a server of the policy fund institution that uses or does not use a web page, an app page, a program, or an application related to the policy fund online assessment service. In this case, rather than actively providing information to the policy fund evaluation server 300 from at least one policy fund institution server 400, at most one, the policy fund evaluation server 300 performs web crawling. The configuration of the policy fund institution server 400 may be deleted. Here, the at least one policy fund institution server 400 may be implemented as a computer that can access a remote server or terminal through a network. Here, the computer may include, for example, navigation, a laptop equipped with a web browser (WEB Browser), a desktop, a laptop, and the like.

FIG. 2 is a block diagram for explaining a policy fund evaluation and evaluation server included in the system of FIG. 1, and FIGS. 3 and 4 show an embodiment in which a policy fund online review and evaluation service is implemented according to an embodiment of the present invention It is a drawing for explaining.

Referring to FIG. 2, the policy fund evaluation evaluation server 300 includes an input unit 310, a comparison unit 311, a matching unit 313, a generation unit 320, a database 330, and a review evaluation processing unit 340. , An alignment unit 350, a report generation unit 360, a notification unit 370, and a limit inquiry unit 380.

Policy fund assessment evaluation server 300 according to an embodiment of the present invention or another server (not shown) operating in conjunction with at least one user terminal 100 policy fund online assessment service application, program, app page, When transmitting a web page or the like, the at least one user terminal 100 may install or open a policy fund online assessment service application, program, app page, web page, or the like. In addition, the service program may be driven in at least one user terminal 100 using a script executed in a web browser. Here, a web browser is a program that enables the use of the World Wide Web (WWW) service, and refers to a program that receives and displays hypertext written in Hyper Text Mark-up Language (HTML), for example, Netscape. , Explorer, Chrome, and the like. In addition, the application means an application on the terminal (Application), for example, includes an app (App) running on a mobile terminal (smartphone).

Referring to FIG. 2, the input unit 310 may receive a user condition value received from the user terminal 100 as a query. At this time, the user condition value may be largely classified as limit inquiry data, representative data, company type data, and R&D data, but is not limited thereto and is not limited to those listed and is not excluded for reasons not listed. First, the limit inquiry data may be values for simulating the policy fund limit inquiry of Korean Registered Patent No. 10-2041944 (announced on November 7, 2019), which the applicant of the present invention has previously registered. To this end, the business type of the company operated by the user, the location of the company's business site, products, the number of the four major insurance employees, the status of intellectual property rights, the status of using the credit guarantee fund guarantee, the status of using the credit guarantee foundation guarantee, the status of using the technology guarantee fund guarantee, Small and Medium-sized Venture Business Department borrowing status, Small and Medium Industry Market Promotion Corporation borrowing status, Agriculture and Forestry Fisheries Credit Guarantee Fund warranty usage status, Trade Insurance Corporation warranty usage status, bank credit loan status, bank mortgage loan status, user company establishment year, last 3 years It may include at least one of annual sales, export and export amounts, certificates held by user companies, VAT of users and user companies, overdue and seizure of four major insurance policies, and personal credit ratings of users. At this time, the policy fund limit inquiry simulation is a limit on how much national support money can be received by users (individuals and companies that want to receive policy fund support according to the policy fund support system) online and conveniently. It means the program that can search the amount. At this time, the details of the policy fund limit inquiry simulation are published in the previously registered patents of the applicant, so detailed descriptions thereof will be omitted.

Second, the representative data includes the policy fund loan balance, the bank balance of the first financial sector, the loan balance of less than or equal to the second financial sector of the company's representative, the production experience of the representative's products, the number of business registration certificates held by the representative, and the representative's base It may include the number of closings. It includes, but is not limited to, the listed individuals' funds or loans used to run the business, the number of representatives' individual careers or times of closure, and may be updated together whenever the announcement data in the policy funding system is updated. For reasons not excluded.

Third, the business type data is data corresponding to any one of a personal business, a corporate business, an agricultural business corporation, a farming corporation corporation, and a non-profit corporation corresponding to the business type, and refers to a business type or category. Fourth, R&D data may include a list of personnel and equipment of the company's affiliated research institutes and R&D departments. At this time, the intellectual property rights may include patents, utility models, trademarks, designs, and a list of applications and registrations of copyrights including computer program works, but this also includes relevant laws, ordinances, or presidential ordinances or regulations, etc. If it changes, it can be updated together. Here, although the user condition values of the four categories described above are prepared based on the announcement data of the current law and the policy fund support system, they may be changed at any time if the government policy or the announcement of each institution changes.

Accordingly, the input unit 310 according to an embodiment of the present invention collects announcement data uploaded to at least one policy fund institution server 400 and corresponds to objects, conditions, and contents within the collected announcement data. If the matter is different from the preset user condition value, an update must be performed, and it can be updated by sorting and saving using the preset tag. Here, the tag is not fixed, but may be a flexible classifier that may be newly created, changed, or deleted according to registered announcement data. Analysis of information resources is required to purify and classify data, but according to different terms used by various types of policy funding agencies, notice data uploaded by each policy funding agency is classified into preset tags and user condition values There may be cases where it cannot be set. At this time, if the tag does not exist, clustering of words and sentences displayed in the announcement data is performed.

At this time, clustering is a typical unsupervised learning method that is frequently applied in research in the field of text mining and IR, and it is hierarchical clustering, partitioned clustering, and spectral clustering according to clustering methods. Clustering). The most commonly used clustering algorithms are the Agglomerative Hierarchical Clustering algorithm and the K-means algorithm. Although the K-means algorithm performs poorly than the bottom-up clustering algorithm, it is evaluated as an efficient clustering algorithm. Accordingly, in one embodiment of the present invention, the K-means algorithm may be applied as a clustering algorithm, focusing more on efficiency than clustering performance. Of course, the bottom-up hierarchical clustering algorithm is not excluded. At this time, the K-means algorithm is performed on the premise that K center points in a vector space can be expressed as K clusters, and generally forms a cluster through calculating cosine similarity of each vector. The K-means algorithm can further use various extension algorithms such as Bisecting, Antipole, and Multipole depending on the method of creating the cluster.

The above-described process will be described in detail as follows. First, a morphological analysis of words and sentences described in the announcement data and removal of stop words can be performed. In order to perform K-means with words and sentences in the announcement data, the data in the announcement data must be converted into a form suitable for clustering. To this end, a numerical task of converting words and sentences into vectors is performed. Morphological analysis of words and sentences is performed for numerical work, and as a result, each morpheme forms a dimension of a vector. Each vector element has a value of 1 or 0 depending on whether the corresponding morpheme is included, and a morpheme analyzer can be used in this process. The second is to create a tag pool. The distance measurement and comparable criteria between announcement data in which words and sentences are described are achieved through vector multiplication. For this, it is necessary to define a standard vector that contains information about all morphemes, and a tag pool extracted from all announcement data can be used as the standard vector. The tag pool means a pool containing all tags extracted from words and sentences included in all announcement data without duplication.

The third is the process of creating a hierarchy of tags, and the tag hierarchy is produced based on the previously created tag pool. The vector for creating a tag hierarchy can assign a vector value according to how many times random tags are included in the same tag pool while comparing elements of the tag pool. For example, vector values are assigned according to the degree to which any two tags are simultaneously inputted from words and sentences inputted into the same announcement data. Each tag vector calculated according to this method can be converted into a unit vector and clustered through K-means, and groups with high similarities can be grouped into several tag groups through cluster analysis. Then, by repeatedly applying the above clustering operation to each group, a tag hierarchy for the entire tag set can be generated. Finally, we need to calculate the tag vector, and finally, through the process of creating the tag vector, all preparations for performing the clustering algorithm are completed. Through this process, standards are established to infer how closely each announcement data has information that resembles each other. In addition, a value calculated based on the hierarchy may be used to reflect the tag hierarchy to the tag vector, and the given vector value may be, for example, Leacock-Chodorow Measure, but is not limited thereto. . Leacock-Chodorow Measure expresses lexical similarity with a value from 0 to infinity, so it can be applied to update the weight of the tag vector.

When all the preparations for clustering are completed, a new tag can be derived by binding each announcement data. At this time, in order to determine the first clustering K value, when K-means clustering is applied, the number (K) of clustering result groups has an important effect on clustering performance. In most cases, K is set as a static variable to derive clustering results according to the number, but considering the characteristics of tags with different directions due to the directionality and specificity of different consumers and suppliers, a certain K value is determined. It is very difficult. Therefore, in the method according to an embodiment of the present invention, it is also possible to set different K values according to different tags according to words and sentences included in the announcement data. K-means repeatedly regenerate clusters until an optimal cluster is created. That is, once the cluster is created by K-means, the center value is recalculated for all clustered groups, and vector multiplication is performed in order to K clusters for all tag pools. After that, the tag pool is assigned to the group with the largest vector product, and the vector product and assignment process are performed up to the last tag pool. Therefore, when a new clustering result is calculated, the process of obtaining the center value is repeatedly performed to achieve an optimal clustering state. At this time, the end point is when the newly formed results have not changed when compared with the previous clustering result. Of course, the update process is not limited to the above-described method, and various methods may exist.

The comparison unit 311 may compare the pre-established policy fund evaluation criteria and user condition values corresponding to at least one policy fund institution. At least one policy funding institution may include, but is not limited to, the Korea Credit Guarantee Fund, the Korea Technology Finance Corporation, the Korea Credit Guarantee Foundation, the Small and Medium Venture Business Promotion Corporation, the Small and Medium Business Market Promotion Corporation, and the Korea Agriculture and Forestry Fisheries Credit Guarantee Fund, and Korea Trade Insurance Corporation. It is not limited and is not excluded for reasons not listed. For example, among the support projects of the policy fund support system implemented by the Small and Medium Venture Promotion Corporation, there are projects that support the financing of innovative entrepreneurship in the policy financing sector, of which B, the foundation-based support project, is shown in Table 1 below. Assume that the same conditions are required. At this time, assuming that User A is 39 years old, is a founder under Article 2 of the Small and Medium Business Start-up Act, and is assumed to be 2 years and 9 months from the date of application, the user's condition value for User A and the policy fund for start-up support business B The matching rate between evaluation criteria is 100%. In addition, user A is entitled to apply for entrepreneurship-based support project B because all user condition values for the policy fund evaluation criteria correspond to YES.

Small & Medium Venture Promotion Corporation>Policy financing>Innovation start-up commercialization fund>Start-up support business B SMEs who are less than 7 years from the date of commencement of business (based on the application date) and those who are preparing to start a business
* However, limited to founders under Article 2 of the 「Small and Medium Business Start-up Support Act」, accommodation and restaurant business (excluding hotel business, recreation condominium business, other tourism accommodation facility business, and restaurant business which is a corporation with 20 or more full-time workers), other personal service business (other individuals) Service industry excluded), except for golf course and ski resort operations [Youth-only entrepreneurship funds] Representatives who are 39 years of age or younger and are preparing for start-ups of small and medium-sized enterprises (SMEs) with less than 3 years (based on the date of application)
* In the case of support for start-up success packages, start-ups and prospective start-ups with less than 7 years [Senior Technology Start-up Fund] As a start-up company or a person preparing for start-up, a representative is a large company, a mid-sized company, a retiree (planned) from a government-funded research institute, or a technician, holds a master's and doctorate degree

When the qualification is granted in this way, what kind of funds can be supported, and how long the repayment period of the funds can be included in the policy fund evaluation evaluation report, which will be described later, as shown in Table 2 below. The 100 may receive and output a user condition value for the policy fund review evaluation, and receive and output a report of the result of the policy fund review evaluation, and the user who has confirmed this may intuitively determine which part of the item should be improved. Can be grasped.

Loan scope Facility funds 1. Funds required for introduction of production facilities and test and inspection equipment, process installation and stability evaluation, distribution and logistics facilities, etc.
2. Self-owned construction fund, land purchase cost, lease deposit
* The land purchase fee is limited to the case where the construction can be started within 6 months among the contracted occupants of the planned site, such as a business site and industrial complex where the building permit is confirmed.
* The development technology commercialization fund cannot support the construction and land purchase cost, and the lease deposit
Fund to secure own business place (purchase, light sale, short sale)
* Funds to secure self-owned workplaces are limited to one time within three years per company, depending on business needs
-Expenses for purchasing intellectual property rights (patents, trademarks, etc.) for'investment funds' to secure the following intangible assets, expenses for external research services such as design development and computational development, and informatization promotion and services such as software purchase Funds required for back Working capital 1. The cost of starting a business, the cost of producing a product, the funds required for corporate management, and the cost of converting cash payments due to the abolition of the promissory note
2. Cost of purchasing raw and subsidiary materials, commercial development cost, etc. Loan conditions Loan interest rate 0.3%p deducted from the policy interest rate (variation)
* A fixed rate of 2.0% per annum is applied to entrepreneurship funds for youth
* Future technology development funds and high growth promotion funds are subtracted by 0.2% from the policy interest rate (variation) (however, for companies with more than 7 years of work experience and less than 10 years, the policy rate is applied)
* The development technology commercialization fund applies the policy fund standard interest rate (variation) Loan period 1. Facility fund: within 10 years (including period of stay within 4 years)
* Credit for facility loans is within 3 years
* Investment capital is within 7 years (including period of stay within 3 years)
2. Working capital: within 5 years (including within 2 years of residence)
* Youth-only entrepreneurship funds are within 6 years (including within 3 years of residence)

The matching unit 330 may transmit a screening evaluation report including a list of announcements having a maximum reference matching rate of the comparison result of the comparison unit 320 to the user terminal 100. At this time, Table 1 and Table 2 are only related to the application conditions, and not all of them have passed 100% screening and received funding, so screening evaluation should be included. At this time, assuming that the screening criteria shown in Table 3 exist, the matching rate between the items in Table 3 and the user condition values is grasped.

Field points Evaluation Items score required documents system 110 1. Feasibility of business plan 10 Business feasibility
Factory location (industrial complex, individual location)
Location of headquarters in the building
※ Top and bottom evaluation by item 10
5 business plan 2. Corporate financial status 20 Debt ratio of the previous year
-Debt ratio less than 500%
-Less than 600% debt ratio
-Debt ratio 600% or more
20
10
5 Settlement statement (including financial statements) confirmed by the tax agent or documents that can confirm the amount of sales (estimated financial statements for companies within 1 year of establishment) 3. Financing ability
(Equity capital ratio) 15 50% or more of the total required funds
50% to 30% of total required funds
Less than 30% of total required funds 15
10
5 business plan 4. Local production contribution
(touch) 20 Annual sales over 1 billion
Annual sales from less than 1 billion to more than 500 million
Annual sales less than 500 million 20
10
5 Settlement statement (including financial statements) confirmed by the tax agent or documents that can confirm the amount of sales (estimated financial statements for companies within 1 year of establishment) 5. Employment Creation Effect 20 20 or more employees
More than 10 to less than 20 employees
Less than 10 employees 20
10
5 Health insurance subscription 6. Local residents' employment rate 15 80% or more of employees
Less than 80% of employees 15
5 Employee address list 7. Addition point 10 Subject to addition points
-Export increase 2 points
-Production of 2 local specialties
-2 quality control companies
-2 promising small and medium-sized enterprises and designated companies
-Excellent company award (within the last 2 years) 2 points
-2 points for women companies that fall under the Act on the Support for Women Entrepreneurs Confirmation (certificate)
-Copy of export performance certificate
-Market confirmation
-Copy of the designation
-A copy of citation
-Market confirmation

At this time, the numerical values of each financial statement are relatively simple with quantitative data. For example, only the number of health insurance subscriptions needs to be counted, but data such as business plans must be compared one by one with qualitative data. Algorithms may be required. To this end, the matching unit 313 may use a method of extracting factors that can be quantified and quantified through text analysis. In addition, the basic element that composes text, the word (morpheme), is the basic factor of text analysis, and the text is composed of a set of words, but the meaning of the text is more than a simple sum of words. Therefore, variables other than words that can describe the characteristics of the text are selected, and each variable can be accurately and discriminatively measured. Of course, it does not preclude the manual consulting by a person. The evaluation criteria are based on the evaluation data for each criterion, and to what extent to what extent are they desirable for the nature and content of the criterion or the resulting output and results, It indicates whether it is a score or a reference point. At least one evaluation index is collected for each evaluation criterion, and evaluation standards are set accordingly. Since the evaluation standards are expressed through the evaluation data, the criteria vary depending on the evaluation data. The evaluation criteria do not have a specific meaning in themselves, and the meaning is given only by the relationship with the evaluation criteria and evaluation indicators. In order to prepare the evaluation criteria, it is necessary to base on the evaluation criteria that have already been established, so it is necessary to consider what criteria and criteria were set using what data and indicators. An evaluation criterion may have one or several evaluation criteria, and only one evaluation criterion may be set and used for several types of evaluation criteria. That is, the evaluation criteria indicate a desirable level, degree, condition, or quality based on the evaluation criteria or the evaluation criteria.

Accordingly, the matching unit 313 may collect all the data such as a business plan that has already been passed for each policy funding institution, and preferentially execute natural language processing to construct big data. Here, the matching unit 313 starts from extracting text in the file format. Since the business plan is mostly written in written language, it collects and analyzes various statistical data of language data such as the number of different languages included in the language data, the frequency distribution used with other words or sentences, and the peninsula distribution of the type of language characters. Should be conducted. In addition, the construction of a natural language understanding system that reads and understands natural language on a computer may be required.

In addition, the matching unit 313 may perform text classification. First, the matching unit 313 performs pre-processing for text classification, that is, pre-processing, and after analyzing the morpheme, may select nouns, adjectives, and verbs necessary for analysis. At this time, the Korean processor can tag morphemes in the collected data such as a given business plan through normalization, tokenization, rooting, and phrase extraction, and remove unnecessary words or unnecessary parts of speech. In natural language processing, text classification refers to the task of classifying a sentence, paragraph, or text into a certain category. Since input of text classification comes in a natural language sentence, paragraph, or document, the input is output while the output is in a certain category. You have to determine if it belongs. The sentence consists of a series of tokens. Text tokens are subjective and arbitrary, and the criteria for dividing these tokens vary. There may be spaces, morphemes, words, bit numbers, etc. To represent a word to a computer as a number, a wordbook is created and replaced with a non-overlapping index. Ultimately, every sentence is converted into a series of integers, which is called Encoding. However, since it does not make any sense to encode with a sequence of irrelevant numbers, each token is projected into a continuous vector space, which is also called word embedding.

Word embedding is a way to quantify words that make up text. Refers to mapping a word to an R-dimensional vector. For this, CBoW (Continuous Bag-of-Words) can be used. CBoW sees the wordbook as a word pocket, thus ignoring the order of words. In other words, regardless of the order of tokens, it is simply assumed to be a vector, and the expression for the sentence is obtained by averaging words vectors. This result is represented by a single point in 3D space, and this point determines the meaning of the sentence. When you are close in space, you have a similar meaning, or you are far away. Alternatively, an RN (Relation Network) may be used. To understand the word order and the relationship between words, the RN looks at all the tokens in the sentence and creates a neural network for each pair to find the sentence expression. In other words, it is to find the representative of the token, and when the vector is calculated after this process, the average value of these tokens is found. After that, it is the same as the learning method used in neural networks. In addition to this, a convolutional neural network (CNN) may be additionally used. When natural language processing is performed with CNN, data can be viewed hierarchically, so it is possible to grasp abstract expressions containing rich semantic information. In addition, a recurrent neural network (RNN) may be further added, and the RNN may compress the information of sentences according to the order of time. After learning is completed in this way, even if a user who is an applicant for a new business enters data such as a business plan as a user condition value, it becomes possible to score it and provide consulting results for evaluation evaluation.

The generation unit 320 may generate a policy fund evaluation evaluation report in which the condition value of the user matching the pre-established policy fund evaluation criteria and the condition value of the user not matching are displayed. At this time, in the database 330, at least one policy fund evaluation criterion collected from at least one policy fund institution may be registered, and the evaluation and evaluation processing unit 340 may receive user condition values received from the user terminal 100. Based on the database, the matching rate can be calculated for each policy fund evaluation criterion, and the sorting unit 350 can sort the calculated matching rate in descending order to list the public announcement list and report The generating unit 360 displays a user condition value display field displaying a user condition value received from the user terminal 100, a user condition value matching each policy fund evaluation criterion for each advertisement included in the notification list, and a user condition not matching. A policy fund evaluation report can be generated that includes a matching display field that divides and displays values. As described above, the quantitative data or whether or not the match indicates the matching rate, whether or not it is matched with each user condition value, and the qualitative data may provide consulting content pre-mapped according to scoring.

In this case, the matching display field may include a first subfield in which the policy fund evaluation criteria are displayed and a second subfield in which user condition values matching in the policy fund evaluation criteria displayed in the first subfield are displayed. At this time, the display field and the sub-field are described in detail in the above-mentioned applicant's pre-registered patent, and will not be repeated. In addition, the policy fund evaluation report further includes a list of subordinated announcements that do not have a maximum standard matching rate, and the subordinated announcement list includes a pre-established policy fund evaluation criterion and a user that does not match the user condition value in the subordinated announcement list. The pre-established consulting content stored in mapping with the pre-established policy fund evaluation criteria, which can narrow the difference and the difference between the condition values, may be overlaid. Here, the difference and difference between the pre-established policy fund evaluation criteria and the user condition value may use cosine similarity or Euclidean similarity comparing vector values. Basically, it is based on the Vector Space Model, which vectorizes the words contained in each text into space. Each word occupies one space and calculates whether or not the word appears. To implement text that is unstructured data in a structured format, set the basic composition unit of a word or morpheme as the basic analysis unit, and apply a method to reduce dimensions or apply semantic elements because the number of words that make up the text is large. Co-occurrence words (salmon, co-occurrence) or latent semantic analysis (LSA) may be used for consideration.

For example, consulting content may be constructed as shown in Table 4 below, but is not limited thereto. In addition, all of the sentences are stored and databased, and a report can be automatically generated by substituting the consulting content corresponding to the user condition value only for the portion changed to the user condition value. For example, in the policy fund evaluation criteria C, the number of four major insurance-insured employees is five, the business type is manufacturing, and a score is given when there are five or more employees. The number of users is four and the business type of the user is manufacturing. Let's assume. At this time, within the database, the relationship between manufacturing and four major insurance-affiliated employees is less than five-consulting content (F), and the consulting content (F) is, "In the case of wholesale and retail, four major insurance while wholesale and retail of domestically produced goods The number of employees enrolled in the company must be at least 5. The number of employees at the time of application or the average annual number of employees is different depending on the policy of each institution, so it is best to apply when the number of employees is 5 or more at this time. It's the way to do it." In addition, if the four major insurance employees set the coordinates that should be stored in the second column of the 8th line in the policy fund review evaluation report as XY coordinates, for example, (8,2), the policy funds are reviewed according to the user condition value. The evaluation report can be automatically generated according to the evaluation results without the need for a person to write the evaluation report.

Evaluation standard Consulting content Representative career In addition to giving a lot of points to those from the science and engineering field, it is advantageous to have at least a college degree if possible. The longer the number of years in the industry, the higher the score and the higher the score is at least 3 years. In the end, if you continued to major in the science and engineering college, you were engaged in a business that meets your major, and if the business is a business that is founded or is currently under management, it will be a gold prize. Technology development environment When analyzing the technology development environment ① Whether there is a technology (research) development room ② The state of possession of test equipment ③ Research and development personnel are intensively reviewed. Intellectual Property Rights You must have intellectual property rights such as invention patents, business model patents, and utility model patents to receive high scores. In particular, it is a fatal obstacle if the patent holder or the designer (technical holder) is bad credit. Special measures should be taken as long as the evidence that the in-house manpower has completely acquired or acquired the patentee's skills is not recognized. Joint Development Performance If you have a history of joint technology development with a consignment agency, you will receive a relatively good evaluation. By establishing an industry-university collaboration system and objectively proving that it has been jointly developed with famous university research institutes, high scores can be achieved. It is also a good idea to attach data and proof of performance recognized by renowned academics. Production line After reviewing the layout of the production process through document screening, it is possible to obtain a high score if production efficiency is recognized through local due diligence. It is advantageous if the head of a technical production that can grasp the whole line of the production line at a glance and explain it clearly is in front of the field investigation. Market performance and profitability The marketability and profitability of developed products have been mentioned many times. In the early stages of entering the market, a low score will be given, but if it is in the mass production stage or objectively verified for the possibility of entering the mass production system, it can receive a high score. Appropriateness of sales plan The key is whether to secure a stable and superior business partner. If you have a well-known waiting company or a good exporter that can continue trading, you get a good reputation. To prove this, it is advantageous to obtain high scores when attaching supporting documents such as purchase intent, delivery contract, sales tax invoice, and L/C. Funding plan It is difficult to obtain credibility in a fund plan that does not exaggerate the adequacy of the fund plan or has objective evidence. When it comes to financing other people, it's easy to lose points if it turns out to be highly dependent or unlikely. In particular, it is difficult to receive a high score when the dependence on other people's capital is high in the early stages of startup. Financial health Focus on financial soundness, debt ratio, gross profit margin, and net profit margin. Financial statements that have been accounted for in order to deceive the evaluators are easily caught. It should be borne in mind that if the settlement settlement is confirmed, all plans can be returned to blisters. certification The higher the results of various certifications (for example, performance venture company certification, ISO certification, NET, NEP acquisition, technology innovation small and medium-sized business (INNO-BIZ) certification, and research and development departments), the higher the score.

The notification unit 370 collects announcement data in real time from at least one announcement page of at least one policy funding institution through web crawling, and evaluates at least one policy fund evaluation standard included in the collected announcement data. The matching rate may be transmitted to the user terminal 100 by comparing the user condition values. The notification unit 370 may use a web crawler for web crawling, which is a computer program that searches the world wide web in an organized and automated manner. What a web crawler does is called WebCrawling or Spidering and is a form of bot or software agent. Web crawlers are largely divided into general web crawlers and distributed web crawlers. To explain the basic operation of the web crawler, we start by getting the URL from the URL Frontier module and fetching the web page of the URL using the http protocol. The Fetch module then stores the web page in a temporary repository, extracts text and links from the Parser module, and sends the text to the indexer. In the case of a link, it is judged through the Content Seen, URL Filter, and Duplication URL Element modules as to whether or not it should be added to the URL frontier, since it is virtually impossible to crawl all web documents with a general web crawler. You can use more. The distributed web crawler is largely divided into two types, one of which is a centralized method and the other is a P2P (or Fully-Distributed) method. In the centralized distributed web crawler, the URL manager plays the same role as the server, and the crawler plays the client role. When a document is downloaded from a crawler, an outlink URL is extracted and handed over to the URL manager, the URL manager checks whether the URL is a downloaded document and removes URL duplication. In other words, the URL manager does the part of URL duplication and URL management in the general web crawler. Meanwhile, in the P2P method, each crawler has a completely independent structure. In the P2P method, each crawler operates like a normal web crawler. Each crawler downloads a document, extracts the OutLink URL, and removes duplicate URLs, and each crawler operates independently. To do this, the list of downloaded URLs managed by each crawler must be mutually exclusive. Otherwise, the same document will be downloaded from different crawlers. To solve this, each crawler can manage the URL domains to be downloaded by dividing each other exclusively. That is, it is a method of managing only those belonging to the download domain and passing the remaining URLs to other crawlers. When using this method, each crawler can operate independently.

Next, web content needs to be extracted. Web content extraction technology is the content to be used for information analysis from web documents. Announcement of the support project in the policy funding system Title, author, date of publication, text, support conditions in the text or evaluation criteria It provides a function to automatically extract. The web content extraction system is a device that automatically generates content extraction rules and extracts only content, and is a rule generator that automatically generates content extraction rules, and a navigation content eliminator that removes navigation content from a given web document. , Content extraction rules may be composed of a content extractor (Core Context Extractor) that extracts content through keyword similarity comparison. At this time, in the present invention, a policyless institution can construct a headless browser because it is necessary to collect all URLs that are search results of announcement data, visit them, and extract the above-described web contents from the URLs again. . In addition, in order to collect multimedia data and to collect URLs included in search results, coordinates and relative positions of each URL may be defined together.

The limit inquiry unit 380 may simulate to store a pre-established policy fund limit amount corresponding to at least one policy fund institution, and calculate a supportable limit amount for each policy fund attribute based on a user condition value. , The limit query unit 380 outputs the announcement data of the policy fund having the maximum limit among the calculated policy fund attributes, and the evaluation criteria of the policy fund included in the announcement data of the policy fund having the maximum limit The matching data may be returned to the matching unit 313 to compare the user condition values to calculate a matching rate, and to generate an evaluation evaluation report based on the matching rate.

Hereinafter, the operation process according to the configuration of the policy fund evaluation and evaluation server of FIG. 2 will be described in detail with reference to FIGS. 3 and 4 as an example. However, the embodiment is only one of various embodiments of the present invention, it will be apparent that it is not limited thereto.

Referring to FIG. 3, (a) the policy fund evaluation and evaluation server 300 crawls the at least one policy fund institution server 400 to announce the support of the policy fund support system and collects the data to database. Then, the policy fund assessment evaluation server 300 receives a user condition value when a policy fund assessment evaluation is requested from the user terminal 100, and compares the user condition value with the database-based policy fund evaluation criteria to (b) the user. It finds the best suited announcement, and (c) provides consulting content to increase the evaluation score or pass rate. At this time, the user condition value is as shown in Figure 4a, company information, the total amount of borrowings, the use status of the warranty, personal information of the representative, the type of the company, the recent sales, whether there is export in sales, in the case of agrofood manufacturing industry, raw materials are processed Whether it is food, whether the company has a certificate, whether there is a delinquency or seizure, how much money is needed, what is the credit rating of the representative, whether the item in production is domestically produced, direct and indirect exports of exports You can receive the ratio of the amount and the amount of each, whether or not the place of business or the representative's home is seized, and whether the rent has been overdue for more than 3 months. And, from FIG. 4B is a policy fund evaluation evaluation report according to an embodiment of the present invention. Referring to FIG. 4C, it shows each policy fund evaluation evaluation result for each institution, and informs us that there is no amount that can be received from KODIT. That is, the reason is given to the field in which the user condition value and the policy fund evaluation criteria do not match.

For example, among the above-mentioned user condition values, whether or not the item in production distribution is domestic production, "the domestic production of the main item that is produced and distributed is in good condition", of the direct export amount and indirect export amount of the export amount. If the ratio and the amount of each are not listed, "There is no export performance, so there is no additional point when examining the policy fund. It is not necessary to export the previous month's export amount, but it can be directly exported, indirect export or not. If there is one export, even if there is a record of export, you can receive an additional point." If is overdue for more than 3 months, it may be stated as "It is advantageous for policy review to return the rental fee in advance for 3 months."

At this time, the format of the consulting content is a sentence already stored as described above, and may be a method in which only a result according to a user condition value is changed as a variable therein. And, referring to FIG. 4D, the representatives themselves can classify consulting contents according to credit, industry, year of establishment, sales, pre-loan amount, company type, etc., and input it into a preset layout or frame, and continue referring to FIG. 4E. , It is possible to generate a report on what additional points should be added to the number of employees, addition points, etc., and for what reason the evaluation score and the amount of money are low.

The items not described for the policy fund online audit evaluation method of FIGS. 2 to 4 can be easily inferred from the same or as described above with respect to the policy fund online audit evaluation method through FIG. 1. Omit the description.

FIG. 5 is a diagram illustrating a process in which data is transmitted and received between each component included in the policy fund online audit evaluation system of FIG. 1 according to an embodiment of the present invention. Hereinafter, an example of a process in which data is transmitted and received between each of the components will be described with reference to FIG. 5, but the present application is not limited to such an embodiment, and is illustrated in FIG. 5 according to various embodiments described above. It is apparent to those skilled in the art that the process of transmitting and receiving data can be changed.

Referring to FIG. 5, the policy fund evaluation and evaluation server receives the user condition value received from the user terminal as a query (S5100), and the pre-established policy fund evaluation criteria corresponding to at least one policy fund institution. The user condition values are compared (S5200).

Then, the policy fund evaluation evaluation server transmits the evaluation evaluation report including the list of announcements having the maximum reference matching rate to the user terminal (S5300).

The order between the above-described steps (S5100 ~ S5300) is only an example, and is not limited thereto. That is, the order between the above-described steps (S5100 ~ S5300) may be mutually variable, some of which may be executed or deleted simultaneously.

The items not described for the policy fund online review and evaluation method of FIG. 5 can be easily inferred from the same or described contents described above with respect to the policy fund online review and evaluation method through FIGS. 1 to 4. Omit the description.

The policy fund online audit evaluation method according to an embodiment described with reference to FIG. 5 may also be implemented in the form of a recording medium including instructions executable by a computer, such as an application or program module 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. Also, the computer-readable medium may include any computer storage medium. 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.

The method for evaluating and evaluating policy funds online according to an embodiment of the present invention described above may be executed by an application basically installed in a terminal (which may include a program included in a platform or an operating system basically installed in the terminal), and , It may be executed by an application (that is, a program) installed by the user directly on the master terminal through an application providing server such as an application store server, an application, or a web server related to a corresponding service. In this sense, the method for evaluating and evaluating policy funds according to an embodiment of the present invention described above is basically installed in a terminal or is implemented as an application (that is, a program) installed directly by a user and can be read by a computer such as a terminal. It can be recorded on a recording medium.

The above description of the present invention is for illustration only, and a person having ordinary knowledge in the technical field to which the present invention pertains can understand that it can be easily modified to other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the above-described embodiments are illustrative in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.

The scope of the present invention is indicated by the following claims rather than the above detailed description, and it should be interpreted that all changes or modifications derived from the meaning and scope of the claims and equivalent concepts thereof are included in the scope of the present invention. do.

Claims (10)

A user terminal for receiving and outputting a user condition value for policy fund assessment evaluation, and receiving and outputting a result report of the policy fund assessment evaluation; And
An input unit receiving a user condition value received from the user terminal as a query, a comparison unit comparing the pre-established policy fund evaluation criteria corresponding to at least one policy funding institution, and the user condition value, and comparing the comparison unit A policy fund assessment evaluation server including a matching unit that transmits a policy fund assessment evaluation report including a list of announcements having a maximum reference matching rate to the user terminal,
The input unit,
Collect announcement data uploaded to at least one policy fund institution server, and classify and store using the preset tag when the items corresponding to the target, condition and contents in the collected announcement data are different from the user condition value Update the user condition value in a manner of
The comparison unit,
The quantitative data included in the policy fund evaluation criteria is compared with the user condition value, and the qualitative data included in the policy fund evaluation criteria are compared with the user condition value, and the qualitative data is quantified through text analysis. And extracting quantifiable factors, and performing comparison using the extracted quantifiable and quantifiable factors,
The policy fund evaluation report,
The list of subordinated announcements not having the maximum reference matching rate is further included.
The above list of subordinated announcements,
A previously established policy fund evaluation criterion that does not match the user condition value in the subordinated announcement list, and a difference between the user condition value and the previously established policy fund evaluation criterion that can be narrowed and stored. The established consulting content is overlaid,
The consulting content,
In order to increase the evaluation score or passing rate, each is set according to the CEO's career, technology development environment, intellectual property rights, joint development performance, production line, marketability and profitability, adequacy of sales plan, funding plan, financial soundness, and certification. Online evaluation and evaluation system for policy funds.
According to claim 1,
The user condition value,
The business type of the company operated by the user, the location of the company's business site, products, the number of the four major insurance employees, the status of intellectual property rights, the status of using the credit guarantee fund guarantee, the status of using the credit guarantee foundation guarantee, the status of using the technology guarantee fund guarantee, small and medium venture Debt status of the Ministry of Industry, Debt Status of the Small and Medium Industry Market Promotion Corporation, Status of use of the guarantee of the Agricultural and Forestry Fisheries Credit Guarantee Fund, Status of use of the guarantee by the Korea Trade Insurance Corporation, Bank credit loan status, Bank mortgage loan status, User company's establishment year, last 3 years annual sales , The limit inquiry data including at least one of whether export or not, export amount, certificate held by the user company, VAT of the user and user company, overdue and seizure of the four major insurance, and personal credit rating of the user;
Policy fund loan balances previously held, bank loan balances in the first financial sector, loan balances below or below the second financial sector of the company's representatives, the work experience related to the product of the representatives, the number of business registration certificates held by the representatives, and the number of business closures of the representatives Representative data, including;
Enterprise business data corresponding to any one of a personal business, a business corporation, an agricultural business corporation, a farming corporation corporation, and a non-profit corporation corresponding to the type of the enterprise; And
R&D data including a list of personnel and equipment of the company-affiliated research institute and R&D department owned by the company;
Including,
The intellectual property rights, patents, utility models, trademarks, designs, policy fund online screening evaluation system characterized in that it comprises a list of applications and registration of copyright, including computer program works.
According to claim 1,
The policy fund evaluation and evaluation server,
A generating unit for generating a policy fund evaluation evaluation report in which the condition value of the user matching the pre-established policy fund evaluation criteria and the condition value of the user not matching are displayed;
Policy fund online screening and evaluation system, characterized in that it further comprises.
The method of claim 3,
The policy fund evaluation and evaluation server,
A database in which at least one policy fund evaluation standard collected from the at least one policy fund institution is registered;
A review evaluation processing unit for calculating a matching rate for each policy fund evaluation standard using the database based on a user condition value received from the user terminal;
A sorting unit that sorts the calculated matching rate in descending order to list a list of announcements;
A user condition value display field displaying user condition values received from the user terminal, and a matching display for dividing and displaying user condition values that match each policy fund evaluation criteria and user condition values that do not match for each announcement included in the notification list A report generator for generating a policy fund evaluation report including fields;
Policy fund online screening and evaluation system, characterized in that it further comprises.
The method of claim 4 ,
The matching display field,
A first subfield in which the policy fund evaluation criteria are displayed;
A second subfield in which user condition values matching in the policy fund evaluation criteria displayed in the first subfield are displayed;
Policy fund online audit evaluation system comprising a.
delete According to claim 1,
The at least one policy funding institution includes a credit guarantee fund, a technology guarantee fund, a credit guarantee foundation, a small and medium-sized venture business promotion corporation, a small and medium-sized business market promotion corporation, a credit guarantee fund for agricultural and forestry fisheries, and a Korea Trade Insurance Corporation. Policy fund online evaluation and evaluation system.
According to claim 1,
The policy fund evaluation and evaluation server,
Collecting real-time announcement data from at least one announcement page of the at least one policy funding institution through web crawling, and evaluating at least one policy fund evaluation criteria and the user condition value included in the collected announcement data A notification unit for comparing and transmitting a matching rate to the user terminal;
Policy fund online screening and evaluation system, characterized in that it further comprises.
According to claim 1,
The policy fund evaluation and evaluation server,
A limit inquiry unit for storing a pre-established policy fund limit amount corresponding to the at least one policy fund institution and simulating to calculate a supportable limit amount for each policy fund attribute based on the user condition value;
Policy fund online screening and evaluation system further comprising a.
The method of claim 9,
The limit inquiry unit,
Outputs the announcement data of the policy fund with the maximum limit among the calculated policy fund attributes, and compares and matches the policy fund evaluation criteria and the user condition value included in the policy data with the maximum limit amount An online audit evaluation system for policy funds, characterized in that it outputs output data to the matching unit to calculate a rate and generate an evaluation evaluation report based on the matching rate.

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