KR102199367B1 - Platform System for Online Lending Mediation Service - Google Patents

Abstract

A platform system and a method of providing loan brokerage services are provided for online loan brokerage services that can protect investors in brokering loans between lenders and investors. The platform system for online loan brokerage services and the method of providing loan brokerage services can broker loans between lenders and investors, and in case of insolvency in the platform operator, affiliated financial institutions can receive principal and interest and distribute them more safely to investors.

Description

Platform System for Online Lending Mediation Service {Platform System for Online Lending Mediation Service}

The present invention relates to a method of providing a platform system for an online loan brokerage service that brokers a loan between a lender and an investor online, and more particularly, to more effectively protect an investor in brokering a loan between a lender and an investor online. It relates to a platform system for online loan brokerage services for customers.

In the conventional loan business, it is common for an individual who wishes to lend to provide his or her credit information to a specialized lending institution such as a bank or a lender, and to inquire about the conditions of the loan and perform a loan application. In this way, the banks and loan companies dominated loan practices to date have high interest rates and fees, and it is difficult to protect the rights and interests of well-intentioned loan applicants from collection companies that have an exclusive contract with the institution.

In addition, although the conventional loan market continues to grow, considerable inefficiency and cost are incurred in transactions. In the case of loan transactions between lenders and investors, the number and conditions of possible transactions are limited, and in the case of loans between individuals and institutions, the interest rate And related transaction costs are very high.

Therefore, it is possible to obtain loans at low interest more quickly by providing loan conditions through efficient loan brokerage through the Internet, and by collecting a small amount of a large number of lenders and providing loans to loan applicants, lenders who wish to make a loan. It is necessary to develop a system and method that allows loans to be provided at a lower price than the market interest rate, and allows investors to invest funds in desired lenders.

Accordingly, the platform operator can receive investments from multiple investors and provide loans to borrowers matched with investors based on the investments. Here, in some cases, the platform operator may provide a loan to a lender through a contracted lender. In this case, investors have bonds for investment funds to platform operators, and lenders have bonds for loans. When the lender provides the principal and interest to the lender, the platform operator provides the rest of the principal and interest provided by the lender, excluding fees, to the investor.

However, in the case of insolvency between the platform operator or the lender in brokering loans between the lender and the investors, if one of the investors receives repayment for the investment based on the bond to the platform operator, the other investor There may be a problem of not being able to recover the investments that have been heard. Therefore, there is a need to develop a system and method that can protect investors.

According to an embodiment of the present invention, by receiving a loan application through an efficient loan brokerage online and providing information on the investment product to investors, the lender can receive a loan at a faster and low interest rate, and the investor can invest in the desired investment product. It is possible to provide a platform system for online loan brokerage services and a method of providing loan brokerage services.

In addition, an embodiment of the present invention may provide a platform system for an online loan brokerage service and a method for providing a loan brokerage service to more securely protect an investor in brokering a loan between a borrower and an investor.

As a technical means for achieving the above-described technical problem, a platform system for an online loan brokerage service according to an embodiment of the present invention includes: a platform operation unit that matches a borrower and an investor by transmitting and receiving data with a loaner terminal and an investor terminal; And a loan execution unit that executes a loan between the matched lender and the investor as the platform operation unit receives a loan request from the loaner terminal, and the platform operation unit includes a bankruptcy of the platform operator and the loan executor. A storage unit for storing restriction agreement information including one or more operational restriction conditions; An investor information database for storing investor information including identification information on the investor, by the platform operation unit, and bond information, which is information on bonds held by the investor with respect to the executed loan; A communication unit for receiving a loan request from a loaner terminal to the platform operation unit and providing information on the received loan request to a loan execution unit; When an operation restriction event corresponding to the operation restriction condition occurs, the platform operation unit may include a transfer unit that provides the investor information stored in the investor information database to an affiliated financial institution server.

In addition, the platform system for an online loan brokerage service according to another embodiment may be configured with a cloud computing interface.

In addition, the platform system for the online loan brokerage service according to another embodiment is to obtain information on the security right corresponding to the loan, and when the loan is executed, the security right to set a pledge on the security right Information on may be further transmitted to the affiliated financial institution server.

In addition, the platform system for an online loan brokerage service according to another embodiment includes consent to the execution of the pledge, consent to an auction request for an underlying asset, and consent to a partner financial institution to receive a dividend for principal and interest. Information on at least one may be further transmitted to the affiliated financial institution server.

In addition, according to another embodiment, the affiliated financial institution server may be characterized in that allocating the principal and interest acquired by executing the pledge to each investor based on the investor information.

In addition, the platform system for an online loan brokerage service according to another embodiment monitors whether the platform operator's bankruptcy and the loan executioner's bankruptcy have occurred based on the operation restriction condition, and the platform operator's bankruptcy And a monitoring unit generating the operation restriction event when it is determined that the loan executioner's bankruptcy has occurred.

As a technical means for achieving the above-described technical problem, according to an embodiment of the present invention, a platform system for an online loan brokerage service including a platform operation unit and a loan execution unit provides a loan brokerage service between a lender and an investor, Matching the borrower and the investor by transmitting and receiving data by the platform operation unit to the borrower terminal and the investor terminal; Executing a loan for the loaner as the loan execution unit receives a loan request from the loaner terminal through the platform operation unit; Storing, by the platform operation unit, restriction agreement information including an operation restriction condition regarding at least one of bankruptcy of a platform operator and bankruptcy of a loan execution unit by the platform operation unit; Storing, by the platform operation unit, investor information including identification information on the investor and bond information, which is information on the bonds the investor has with respect to the executed loan; And when an operation restriction event corresponding to the operation restriction condition occurs, the platform operation unit providing the investor information stored in the investor information database to an affiliated financial institution server.

In addition, the method for providing a loan brokerage service according to another embodiment includes the information on the security right to obtain information on the security right corresponding to the loan, and to establish a pledge on the security right when the loan is executed. It may further include transmitting to the affiliated financial institution server.

In addition, according to another embodiment, the step of transmitting the information on the security right to the affiliated financial institution server includes consent to the execution of the pledge, consent to an auction request for the underlying asset, and the affiliated financial institution It may be characterized in that the information on at least one of consent to receive the dividend is further transmitted to the affiliated financial institution server.

In addition, according to another embodiment, the step of providing the investor information to the affiliated financial institution server monitors whether the platform operator's bankruptcy and the loan executor's bankruptcy have occurred based on the operation restriction condition, and the When it is determined that the bankruptcy of the platform operator and the bankruptcy of the loan executor has occurred, generating the operation restriction event.

According to the above-described problem solving means of the present invention, the borrower can receive a loan at a faster and low interest rate through an efficient loan brokerage through the Internet.

In addition, investors can more safely invest in free cash that provides higher interest rates than those provided by commercial banks.

Furthermore, according to the present invention, it is possible to provide a platform system for an online loan brokerage service that can effectively set a pledge for investors and thereby protect investors more safely.

1 is a schematic structural diagram of a platform system for an online loan brokerage service according to an embodiment.
2 is a flowchart illustrating a process of providing a loan brokerage service according to an embodiment.
3 is a flowchart illustrating a process in which a platform system for an online loan brokerage service matches a borrower and an investor according to an embodiment.
4 is an exemplary diagram illustrating a user interface for a borrower to input information included in a loan application through a loaner terminal according to an embodiment.
5 is an exemplary diagram illustrating a user interface for an investor to check information on an investment product and select an investment product through an investor terminal according to an embodiment.
6 is a diagram illustrating a process in which a loan brokerage system monitors an operating state of a platform operator and provides investor information when insolvency occurs, according to an embodiment.
7 is a block diagram schematically showing the structure of a platform operation unit according to an embodiment.

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

Throughout the specification, when a part is said to be "connected" with another part, it is not only "directly connected", but also "electrically connected" with another element in the middle, and "connected" to each other. It also includes the case of being connected to enable communication. In addition, when a part "includes" a certain component, it means that other components may be further included rather than excluding other components unless specifically stated to the contrary.

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

1 is a schematic structural diagram of a platform system for an online loan brokerage service according to an embodiment.

The platform system 100 for an online loan brokerage service according to an embodiment may include a platform operation unit 110 and a loan execution unit 120. Here, the platform system 100 for an online loan brokerage service may be configured to include a device capable of transmitting and receiving data and processing information with the loaner terminal 140 and the investor terminal 150. For example, the platform system 100 for an online loan brokerage service may be configured using a cloud computing interface. According to an embodiment, the platform operation unit 110 is composed of a server operated by a platform operator operating a platform that brokers loans, and the loan execution unit 120 is a linked financial institution (loan executor) in a contract relationship with the platform operator. It can be configured as a server operated in. 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 are not limited thereto.

The loaner terminal 140 and the investor terminal 150 may connect to the platform system 100 for an online loan brokerage service through 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 an input/output device and an information processing device such as a smartphone, a PC, a PDA, a laptop, and a tablet PC, but are not limited thereto.

The investor information database 160 may be characterized by storing investor information including identification information on investors and bond information, which is information on bonds the investor has regarding a loan executed to a borrower through a platform operator. The investor information database 160 may be configured through a storage medium physically included in the platform system 100 for an online loan brokerage service, but may be configured separately 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, interest accrued on the investment, and the amount paid to the investor for the principal and interest.

The affiliated financial institution server 130 may be a server 130 operated by an affiliated financial institution. The affiliated financial institution can recover the loans executed by the platform operator to the lender in case of insolvency (the platform operator's bankruptcy or the loan executioner's bankruptcy) to the platform operator or linked financial institution. In addition, affiliated financial institutions can prevent the occurrence of situations in which some investors cannot recover their investments at all by distributing the recovered loans to investors who have invested in loan products. Here, the affiliated financial institution may establish a pledge on the security right for the loan amount held by the affiliated financial institution as the loan is executed to recover the loan amount.

As the affiliated financial institution has the pledge established for the security right, it can perform post processing on the recovered loan.

Here, in order for the affiliated financial institution to perform the above role, the platform operator, the affiliated financial institution, and the affiliated financial institution are responsible for each of the platform operator, the affiliated financial institution, and the affiliated financial institution in the event of a situation that falls under the operating restrictions. Prescriptive limiting arrangements may be made. Here, the operation restriction condition refers to a condition that restricts the platform operator from operating the loan brokerage service, and may mean that the platform operator's bankruptcy and the loan executioner's bankruptcy occur, but are not limited thereto.

For example, a limiting agreement may include:

-The platform operator must own all of the shares of the linked financial institution

If the shares of the linked financial institution are held by a third party other than the platform operator, there may be cases where the management of the linked financial institution cannot be carried out collectively. In order to prevent this problem in advance, platform operators can set a condition that they hold all shares of linked financial institutions.

-Platform operators must have all the details to comply with the P2P (Peer to Pear) guidelines and financial regulations.

All matters to comply with the P2P guidelines and financial regulations are devices that are normally prepared to protect investors. Therefore, it is necessary for platform operators to have all the necessary items to comply with the P2P guidelines and financial regulations.

-Transfer the computer system including investor information to the affiliated financial institution in case of bankruptcy of the platform operator or affiliated institution.

It is preferable to transfer the computer system to an affiliated financial institution after the bankruptcy of the platform operator or affiliated institution is confirmed. However, the present invention is not limited thereto, and if necessary, it is possible to perform a preliminary work for transferring the computer system including investor information to the affiliated financial institution even before the bankruptcy process is confirmed.

-The affiliated financial company should only engage in the business of creating loan receivables (collateralized receivables) and issuing principal and interest receivables.

In the event that a linked financial company defaults to the linked financial company due to other business than the creation of loan bonds (collateralized bonds) and issuance of principal and interest receivables, the creation of loan bonds (collateralized bonds) and issuance of principal and interest receivables It leads to results contrary to the original purpose of achieving the purpose.

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

Linked financial companies need to be limited to affiliated financial institutions and platform operators in the channel of financing. If not, it can be exposed to poor management due to borrowing of funds.

-The affiliated financial company shall provide a cause document for the collateral debt to the affiliated financial institution.

-The affiliated financial company shall provide a pledge on the security right to the affiliated financial institution.

-The affiliated financial company shall not transfer the security right without the consent of the affiliated financial institution.

-The affiliated financial company shall agree that the affiliated financial institution executes the pledge established on the security right when the linked financial company is defaulted.

-The affiliated financial company shall agree to the affiliated financial institution submitting an auction application for the underlying assets when the linked financial company is bankrupted.

-The affiliated financial company must agree to receive dividends for the full amount of the principal and interest of the collateralized receivable by the affiliated financial institution when the affiliated financial company handles default

-In the event of arrears for bonds, the affiliated financial company shall initiate the process of collection of bonds through sale, short sale or auction within 3 months.

-The affiliated financial institution shall receive the rights to the collateral liabilities in case of bankruptcy of the platform operator or affiliated financial company.

-The affiliated financial institution shall allocate or deposit principal and interest based on investor information.

-The affiliated financial institution shall notify the investor of the transfer details and the objection period when the rights are transferred.

The restricted agreement information may include information on the content of the restriction agreement as described above and conditions for operating restrictions. The limited agreement information may be stored in at least one of the platform operation unit 110 and the loan execution unit 120.

In accordance with the restriction agreement information as described above, the platform business operator can perform the investment (purchase) of principal and interest receivables, and perform the investor's fund management and payment business for the investor's payment of principal payments after the loan of the linked financial company is executed. have. Here, the principal and interest receivable is one of the methods of selling loan assets held by the credit company to the participant, and means that the participant enters into a loan participation contract with the credit company. In addition, principal and interest receivable refers to a loan contract formed between the credit company and the lender, and the participant pays an amount equivalent to the loan principal to the credit company, but does not affect the bond and debt relationship between the lender and the credit company. If the principal and interest are paid from the lender by the loan contract, the payment receipt is to be paid to the participant, and the risk of not recovering the principal and interest due to the lender's overdue, etc., means the contract borne by the participant. An investor who acquires principal and interest receivable through investment does not have the right as a creditor to directly receive principal and interest and collect bonds to the borrower who is the object of the loan receivable.

According to an embodiment, the limited agreement information may further include a contract that the linked financial company or platform business operator cannot voluntarily cancel the security right without the consent of the affiliated financial institution.

2 is a flow chart illustrating a process for providing a loan brokerage service according to an embodiment.

First, in step S200, the platform operation unit 110 may store limited agreement information. Here, the limited agreement information is an operation to be performed by the platform system 100 for an online loan brokerage service if the operating restriction condition and operation restriction condition are met to determine whether the platform operator should restrict the operation of the loan brokerage service. May contain information about.

Thereafter, in step S210, the platform operation unit 110 may match the borrower and the investor by transmitting and receiving data with the loaner terminal 140 and the investor terminal 150. Here, the platform operation unit 110 may receive loan application information from the loaner terminal. Investment product information may be generated based on the loan application information. In addition, according to an embodiment, the platform operation unit 110 may determine at least one of loan availability, investment risk, and interest rate based on the loan application information. The investment product information may include one or more of loan amount, interest rate, maturity, Loan To Value ratio (LTV), collateral information, safety score, investment product grade, and investment recruitment period information. Here, the mortgage loan ratio means the ratio of loans to the external appraised value. The mortgage loan ratio can be calculated by dividing the sum of the loan amount and the senior amount to the platform operator by the external appraised value. The safety score may be a score calculated by reflecting the ratio of the senior amount to the appraised value, the ratio of the loan amount to the collateral limit, and the residual value of real estate after execution of the loan. In addition, the investment product grade may mean a grade for an investment product that is determined by synthesizing a plurality of scores such as an object type, a safety score, and an appraised value. The collateral information may include, for example, information such as a collateral type, an external appraiser, a platform operator appraiser, a seniority, a collateral limit for each product, and a collateral capacity. The seniority may mean the amount of a bond that is repaid at a higher priority than the linked financial company that executed the loan after the loan is executed. The mortgage limit for each product refers to the maximum loan limit calculated by applying the mortgage recognition ratio for each type of collateral according to a predetermined loan review standard. The collateral space refers to the amount obtained by subtracting the seniority from the external appraised amount for individual products and the platform operator appraised amount. The investor may proceed with investment in the investment product by selecting the investment product information through the investor terminal 150.

When the borrower and the investor are matched in step S210, the loan execution unit 120 may execute a loan for the borrower in step S220. According to an embodiment, the loan execution unit 120 may receive loan application information from the platform operation unit 110, and perform a transfer process of the loan money to the account of the borrower according to the received loan application information. In addition, in step S220, the loan execution unit 120 may store information on a security right set for the executed loan. The loan execution unit 120 may provide information on the security right to the affiliated financial institution server 130 in order to provide a pledge on the security right to the affiliated financial institution.

Thereafter, in step S230, the platform operation unit 110 may store investor information. Here, the investor information may store in the investor information database 160, identification information for identifying an investor, and investor information including bond information, which is information about a bond that the corresponding investor has for a loan executed. According to an embodiment, step S230 may be performed by the loan execution unit 120.

In step S240, the platform system 100 for an online loan brokerage service may determine whether an operation restriction event has been issued. According to an embodiment, the platform system 100 for an online loan brokerage service further includes a monitoring unit that monitors whether a bankruptcy of a platform operator and a bankruptcy of a loan executor have occurred based on the operational restriction conditions included in the stored restriction agreement information. I can. For example, the monitoring unit may acquire information on the debts, bonds, assets, etc. of the platform operator and loan executor, and determine whether a bankruptcy of the platform operator and loan executor occurs based on the obtained information. In this way, the monitoring unit may generate an operation restriction event when the obtained information matches the operation restriction condition. The operation restriction event may be a message indicating that an operation restriction reason has occurred. Alternatively, for another example, the monitoring unit may generate an operation restriction event by separately inputting that a bankruptcy has occurred in the platform operation unit 110 or the monitoring unit by the platform operator. In addition, according to another embodiment, the monitoring unit may be configured separately from the platform system for the online loan brokerage service. For example, by configuring the monitoring unit to be included in the affiliated financial institution server 130, the affiliated financial institution may monitor the operating status of the platform operator and the loan executor.

When it is determined that an operation restriction event has occurred in step S240 (S245), in step S250, the platform operation unit 110 may provide investor information to the affiliated financial institution server 130. According to an embodiment, the platform operation unit 110 may provide 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 operation unit 110 may provide investor information by granting the authority to the investor information database 160 to the affiliated financial institution server 130.

The affiliated financial institution server, which has received investor information, can distribute the principal and interest received by exercising a pledge on the security right to each investor based on the investor information.

3 is a flowchart illustrating a process of matching a borrower and an investor by a platform system for an online loan brokerage service in step S210 according to an embodiment. 3 is for explaining an embodiment of the present invention, but is not limited thereto.

In step S310, the platform operation unit 110 may receive loan application information from the loaner terminal 140. According to an embodiment, the borrower terminal 140 executes an app installed on the borrower terminal 140 or accesses a website provided by the platform operation unit 110, thereby providing a user interface ( 400) can be printed. The borrower may input loan application information through the user interface 400. According to an embodiment, the loan application information may include information on a name of a borrower, an E-mail address, a phone number, a loan product that the borrower wants to use, an address of a real estate collateral, a loan amount, and a loan expiration date.

Upon receiving the loan application information from the loaner terminal 140, the platform operation unit 110 may determine whether a loan is possible based on the received loan application information. Here, the platform operation unit 110 may automatically determine whether a loan is possible based on the loan application information, but the platform operator may input the loan availability into the platform operation unit 110 according to the loan application information.

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

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

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

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

6 is a diagram illustrating a process in which a loan brokerage system monitors an operating state of a platform operator and provides investor information when insolvency occurs, according to an embodiment. However, FIG. 6 is for explaining an embodiment of the present invention, and a specific process according to the embodiment may be changed to achieve the same purpose.

First, the platform system 100 for an online loan brokerage service may receive and store limited agreement information including an operation restriction condition from the investment donor server 130 (S610). Thereafter, the platform system 100 for an online loan brokerage service may match the investor and the borrower by transmitting and receiving data (S620) with the loaner terminal 140 and the investor terminal 150 (S630).

If the investor and the borrower are matched in step S630, the loan brokerage platform 100 may transmit information notifying that the loan has been executed to the loaner terminal 140. Thereafter, the platform system 100 for an online loan brokerage service may store investor information on investors who have invested in the executed loan (S650).

Thereafter, the platform system 100 for an online loan brokerage service may monitor the operating status of the platform operator and the loan executor based on the limited agreement information (S660). Thereafter, if the operating restriction conditions included in the restricted agreement information are met, the platform system 100 for an online loan brokerage service may provide investor information to the investment donor institution server S670.

7 is a block diagram schematically showing the structure of a platform operation unit according to an embodiment.

The platform operation unit 110 according to an 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 an embodiment may include a storage medium for storing information. For example, the storage unit 710 may include a storage medium such as flash memory, HDD, and SSD, but is not limited thereto. The storage unit may store limited agreement information including operational restriction conditions regarding one or more of a bankruptcy of a platform operator and a bankruptcy of a loan executor.

The investor information database 720 according to an embodiment may store and manage investor information. In addition, the communication unit 730 according to an embodiment 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 operation unit 110 may receive a loan request from the loaner terminal 140 through the communication unit 730 and provide information on the received loan request to the loan execution unit 120.

The transfer unit 740 according to an 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 an operation restriction event occurs, the transfer unit 740 may provide investor information to the affiliated financial institution server 130 through the communication unit 730.

An embodiment of the present invention may also be implemented in the form of a recording medium including instructions executable by a computer, such as a 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. Further, 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 transmission mechanisms, and includes any information delivery media.

The above description of the present invention is for illustrative purposes only, and those of ordinary skill in the art to which the present invention pertains will be able to understand that it can be easily modified into other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are illustrative in all respects and not limiting. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as being distributed may also be implemented in a combined form.

The scope of the present invention is indicated by the claims to be described later rather than the detailed description, and all changes or modified forms derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present invention. do.

Claims (7)

A platform operation unit matching the borrower and the investor by transmitting and receiving data with the borrower terminal and the investor terminal; And
As the platform operation unit receives a loan request from a loaner terminal, it includes a loan execution unit that executes a loan between the matched lender and the investor,
The platform operation unit,
A storage unit for storing limited agreement information including an operation restriction condition regarding at least one of a bankruptcy of a platform operator and a bankruptcy of a loan executor;
An investor information database for storing investor information including identification information on the investor and bond information, which is information on bonds held by the investor with respect to the executed loan, by the platform operation unit; And
When an operation restriction event corresponding to the operation restriction condition occurs, the platform operation unit includes a transfer unit that provides the investor information stored in the investor information database to an affiliated financial institution server, and
The platform operation unit determines whether a loan is possible, investment risk and interest rate based on the loan application information received from the loaner terminal, generates investment product information, and provides the generated investment product information to the investor terminal. , Also
Characterized in that consisting of a cloud computing (cloud computing) interface,
Platform system for online loan brokerage services.
The method of claim 1,
The above investment product information,
It comprises at least one of loan amount, interest rate, maturity, Loan To Value ratio (LTV), collateral information, safety score, investment product grade, and investment recruitment period information,
Platform system for online loan brokerage services.
The method of claim 1,
The platform system for the online loan brokerage service,
Obtaining information on the security right corresponding to the loan, and when the loan is executed, further transmitting information on the security right to the affiliated financial institution server in order to establish a pledge on the security right Platform system for intermediary services.
The method of claim 3,
The platform system for the online loan brokerage service,
To further transmit information on at least one of consent to the execution of the pledge for the security right, consent to an auction request for underlying assets, and consent to the affiliated financial institution to receive dividends for principal and interest , A platform system for online loan brokerage services.
The method of claim 3,
The affiliated financial institution server,
A platform system for an online loan brokerage service, characterized in that the principal and interest obtained by executing the pledge are distributed to each investor based on the investor information.
The method of claim 1,
The platform system for the online loan brokerage service,
Monitoring whether the platform operator's bankruptcy and the loan executor's bankruptcy have occurred based on the operation restriction condition, and when it is determined that the platform operator's bankruptcy and the loan executor's bankruptcy, the operation restriction event is generated. Platform system for an online loan brokerage service further comprising a monitoring unit.
delete

Images