KR102202583B1 - System and method for managing public institution bond loan and computer program stored on a computer readable storage medium for executing the method - Google Patents

Abstract

The present invention relates to a system for managing a secured loan of a bond for a public institution, a method for managing a secured loan of a bond for a public institution, and a computer program stored in a computer-readable storage medium for executing the method. In addition, the present invention can solve the financial difficulties faced by small and medium-sized enterprises in carrying out a public procurement project by providing a loan secured by bonds of the public procurement project to the small and medium-sized enterprises that have successfully bid for the public procurement project by participating in electronic bidding. The present invention is a method for recruiting investors through a crowdfunding product in which a bond of a public procurement project is set as collateral, paying the borrower′s loan amount with the amount raised from the investors, and then returning the investment amount and a predetermined interest amount to the investors when the loan amount is repaid from the borrower, thereby providing the investors with the crowdfunding product that has a low risk of loss of principal and can generate stable profits.

Description

System and method for managing public institution bond loan and computer program stored on a computer readable storage medium to execute the system and method for managing public institution bond loan and computer program executing the method}

The present invention relates to a system for managing debt-secured loans for public institutions, a method for managing debt-secured loans for public institutions, and a computer program stored in a computer-readable storage medium to execute the same.

In general, electronic bidding or electronic procurement is a bidding method in which you can participate in bidding using the Internet without the need to procure goods, announce a bidding for a service or construction, and visit the place where you apply for it and submit related documents. For this, an electronic bidding system has been established, posting information on electronic bidding notices for ordering public procurement projects, or disclosing electronic bidding information on public procurement projects for which successful bidders have been determined.

Unlike existing face-to-face contracts or on-site bidding, electronic bidding is used as a method to select successful bidders by allowing unspecified numbers of unspecified bidders to respond fairly without space constraints, as long as they have participant qualifications.

On the other hand, the electronic bidding market consulting system, which provides information on the electronic bidding system and analysis price for small and medium-sized enterprises that want to participate in electronic bidding, includes bidding information, ticket information, analysis price information, and legal advice related to electronic bidding. It is generating profits by performing procedures up to the consulting and contracting process.

However, the conventional electronic bidding market consulting system is focused on enabling small and medium-sized businesses that want to participate in electronic bidding to win public procurement projects, and successful bidders who have won public procurement projects by participating in e-bidding can actually do public procurement projects. There is a problem in that it cannot provide any service or plan for the financial difficulties experienced while performing.

In fact, after receiving an order for a public procurement project through electronic bidding, the'Act on Contracts with the State as a Party (including Acts and Enforcement Rules)' and'Act on Contracts with a Local Government as a Party (laws and enforcement regulations) Including)' Since various national laws and regulations such as'Bid and Contract Execution Standards' are regulated to receive contract amounts such as prepayment, prepayment, and completion money, the successful bidder who is the contractor is required to receive the prepayment or completion money. Until before, there was a financial difficulty of self-raising capital for business execution.

Meanwhile, the peer to peer (P2P) brokerage business, which is attracting attention as the center of the new financial industry, is funding using real estate bonds and project financing (PF) bonds, and the spread of interest and market size at home and abroad is increasing day by day. However, since most of the bonds are secured by subordinated bonds rather than primary bonds, there is a risk of investor loss of principal, and even companies operating P2P brokerage businesses suffer from bad debts and defaults.

Therefore, it is required to develop a new system or service that can provide stable profits without risk of loss of principal to investors looking for a product to invest while solving the financial difficulties of SMEs who participated in electronic bidding and won a public procurement project. do.

The present invention was conceived in consideration of the above problems, and a public institution debt-secured loan management system capable of resolving the financial difficulties of small and medium-sized enterprises that have won a public procurement project by participating in electronic bidding, a method of managing debt-secured loans by public institutions, and the same. An object thereof is to provide a computer program stored in a computer-readable storage medium for execution.

In addition, the present invention is a public institution bond-secured loan management system capable of providing a crowdfunding product capable of generating stable profits with a low risk of loss of principal, a method of managing a bond-secured loan in a public institution, and a computer-readable storage for executing the same. Its purpose is to provide a computer program stored on a medium.

Objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned will be clearly understood by those skilled in the art from the following description.

In order to achieve the above object, the present invention provides electronic bidding announcement information posted for ordering of public procurement projects from the electronic bidding system, electronic bidding ticket information for public procurement projects for which the successful bidder is determined, and successful bidders who have successfully bid for public procurement projects. A collection unit that collects and stores information about successful bidders; A loan application receiving unit for receiving a loan application using the bonds of the successful public procurement project as collateral from the lender's terminal of the borrower who participates in the electronic bidding and receives a successful bid for the public procurement project and receives a loan application; A bond security verification unit that checks the authenticity of the bond secured by the borrower by comparing the information collected by the collection unit with the information received by the loan application reception unit; And a loan approval processing unit that performs a loan review using a predetermined loan review table or a loan review program and determines whether or not to approve the loan according to the results of the loan review when the authenticity of the loan of the borrower is confirmed. Provides a debt-secured loan management system.

In a preferred embodiment, the loan application reception unit secures information on at least one of the public procurement project announcement number, contract number, contract name, order amount, ordering agency, and contact information for which the borrower received a successful bid upon receipt of the loan application. It is received as information, and the bond security verification unit compares information on at least one of a notification number, a contract number, a contract name, and an order amount included in the electronic bidding ticket information and the bond security information to determine whether they match or not, Check the authenticity of loans secured by lenders.

In a preferred embodiment, the lender checks whether the lender actually participates in the electronic bidding of the public procurement business and receives a successful bid for the public procurement business, and calculates a credit rating according to the credit rating of the lender evaluated by the credit rating system; Include more.

In a preferred embodiment, when it is determined whether or not to approve the loan, information on the bonds of the public procurement project as collateral by the borrower, information on the creditworthiness or credit rating of the borrower, and information on the loan amount requested by the borrower are included. An investor recruitment unit for creating a crowdfunding product and relaying information on the generated crowdfunding product and information on whether or not a borrower has applied for a loan to a plurality of investor terminals to recruit investors to invest in the corresponding crowdfunding product; Include more.

In a preferred embodiment, a risk analysis unit that analyzes the possibility of occurrence of risks by monitoring whether the borrower has executed the advance payment of the bonds as collateral, the prepayment or completion money, and the creditworthiness of the borrower and participation in other public procurement projects; further includes do.

In addition, the present invention is a processor; And a memory storing one or more instructions executable by the processor; wherein the processor executes the one or more instructions, and the electronic bidding announcement information posted for ordering of a public procurement project from the electronic bidding system, A lender of a lender who wants to collect and store electronic bidding information on public procurement projects for which the successful bidder is determined and successful bidder information for successful bidders for public procurement projects, and participate in electronic bidding to win public procurement projects and to receive loan applications From the terminal, a loan application that uses the bonds of the successful public procurement project as collateral is received, the collected information and the received information are compared to confirm the authenticity of the bonds secured by the borrower, and When the authenticity of the information is confirmed, a loan review is performed using a predetermined loan review table or a loan review program, and a loan management system secured by public institutions is provided to determine whether to approve the loan according to the result of the loan review.

In a preferred embodiment, the processor, by executing the one or more commands, at least one of the public procurement business announcement number, contract number, contract name, order amount, ordering agency, and contact information for which the borrower received a successful bid upon receipt of a loan application. The information on at least one of the notification number, contract number, contract name, and order amount included in the electronic bidding ticket information and the bond security information is checked against each other to determine whether they match. Check the authenticity of loans secured by lenders.

In a preferred embodiment, the processor, by executing the one or more commands, confirms that the lender actually participates in the electronic bidding of the public procurement business and is a successful bidder for the public procurement business, and the credit rating of the lender evaluated by the credit rating system. The credit rating is calculated according to.

In a preferred embodiment, the processor, when it is determined whether or not to approve the loan by executing the one or more commands, information on the bonds of the public procurement business that the borrower secures, information on the creditworthiness or credit rating of the borrower, and , Create a crowdfunding product containing information on the loan amount requested by the lender, relay the information on the generated crowdfunding product and information on whether or not the borrower has applied for a loan to the investor terminal, and invest in the corresponding crowdfunding product. Recruiting investors to do.

In a preferred embodiment, the processor, by executing the one or more commands, monitors whether the advance payment of the bonds secured by the lender, the execution of the prepaid money, or the completion money, the creditworthiness of the lender, and the participation of other public procurement projects, Analyze the likelihood of occurrence.

In addition, the present invention provides (1) electronic bidding announcement information posted for ordering of public procurement projects from the electronic bidding system, electronic bidding information on public procurement projects for which the successful bidder is determined, and successful bidders for successful bidders for public procurement projects. Collecting and storing information; (2) receiving a loan application from the lender's terminal of the borrower who participates in the electronic bidding to receive a successful bid for the public procurement business and accepts the loan application, using the bonds of the successful public procurement business as collateral; (3) comparing the collected information with the information received at the time of the loan application, and confirming the authenticity of the bond secured by the borrower; And (5) if the authenticity of the loan of the borrower is confirmed, performing a loan review using a predetermined loan review table or a loan review program, and determining whether to approve the loan according to the result of the loan review; Provides institutional bond-backed loan management methods.

In a preferred embodiment, the step (2) includes information on at least one of the public procurement project announcement number, contract number, contract name, order amount, ordering institution, and contact information that the borrower has successfully bid upon receiving a loan application. It is received as bond security information, and in step (3), information on at least one of the notification number, contract number, contract name, and order amount included in the electronic bidding opening information and bond security information is matched against each other. By deciding, the lender verifies the authenticity of the bond as collateral.

In a preferred embodiment, between the step (3) and the step (5), (4) the lender actually participates in the electronic bidding of the public procurement business and confirms that the successful bidder for the public procurement business is a successful bidder, and credit evaluation It further includes; calculating a credit rating according to the credit rating of the borrower evaluated by the system.

In a preferred embodiment, after the step (5), (6) if it is determined whether or not to approve the loan, information on the bonds of the public procurement project that the lender secures, information on the creditworthiness or credit rating of the borrower, and , Create a crowdfunding product including information on the loan amount requested by the borrower, relay the information on the generated crowdfunding product and information on whether or not the borrower has applied for a loan to a plurality of investor terminals, and the corresponding crowdfunding product Recruiting investors to invest in; further includes.

In a preferred embodiment, after step (5), (7) risk by monitoring whether the advance payment of the bonds secured by the borrower, the execution of the prepayment or completion money, and the creditworthiness of the borrower and participation in other public procurement projects. It further includes; analyzing the likelihood of occurrence.

In addition, the present invention is a computer, (1) electronic bidding information posted for ordering of public procurement projects from the electronic bidding system, electronic bidding information on public procurement projects for which the successful bidder is determined, and successful bidders who have successfully bid for public procurement projects Collecting and storing information on successful bidders for; (2) receiving a loan application from the lender's terminal of the borrower who participates in the electronic bidding to receive a successful bid for the public procurement business and accepts the loan application, using the bonds of the successful public procurement business as collateral; (3) comparing the collected information with the information received at the time of the loan application, and confirming the authenticity of the bond secured by the borrower; And (5) if the authenticity of the loan of the borrower is confirmed, performing a loan review using a preset loan review table or a loan review program and determining whether to approve the loan according to the result of the loan review; to execute, A computer program stored in a computer-readable storage medium is provided.

In a preferred embodiment, the step (2) includes information on at least one of the public procurement project announcement number, contract number, contract name, order amount, ordering institution, and contact information that the borrower has successfully bid upon receiving a loan application. It is received as bond security information, and in step (3), information on at least one of the notification number, contract number, contract name, and order amount included in the electronic bidding opening information and bond security information is matched against each other. By deciding, the lender verifies the authenticity of the bond as collateral.

In a preferred embodiment, between the step (3) and the step (5), (4) the lender actually participates in the electronic bidding of the public procurement business and confirms that the successful bidder for the public procurement business is a successful bidder, and credit evaluation A step of calculating a credit rating according to the credit rating of the borrower evaluated by the system; is further executed.

In a preferred embodiment, after the step (5), (6) if it is determined whether or not to approve the loan, information on the bonds of the public procurement project that the lender secures, information on the creditworthiness or credit rating of the borrower, and , Create a crowdfunding product including information on the loan amount requested by the borrower, relay the information on the generated crowdfunding product and information on whether or not the borrower has applied for a loan to a plurality of investor terminals, and the corresponding crowdfunding product Recruiting investors to invest in; further execute.

In a preferred embodiment, after step (5), (7) risk by monitoring whether the advance payment of the bonds secured by the borrower, the execution of the prepayment or completion money, and the creditworthiness of the borrower and participation in other public procurement projects. Analyzing the likelihood of occurrence; further execute.

By means of the above-described problem solving means, the present invention provides a loan based on the bonds of the public procurement project to small and medium-sized enterprises that participated in electronic bidding and received a successful bid for the public procurement project, thereby There is an effect that can relieve difficulties.

In addition, the present invention recruits investors through crowdfunding products in which the bonds of public procurement projects are set as collateral, and after paying the loan amount of the borrower with the amount collected from the investors, the loan amount is repaid from the lender to investors. By returning the investment amount and a predetermined amount of interest, there is an effect of providing investors with a crowdfunding product that is capable of generating stable profits with less risk of principal loss.

1 is a diagram for explaining a network environment of a system for managing a debt-secured loan for a public institution according to an embodiment of the present invention.
2 is a diagram for explaining a hardware configuration of a system for managing a debt-secured loan in a public institution.
3 is a block diagram for explaining a function performed by a processor in a system for managing a debt-secured loan in a public institution.
4 is a view for explaining a method for managing a bond-secured loan for a public institution according to an embodiment of the present invention.

In the following description, specific details of the present invention are shown to provide a general understanding of the present invention, but it is common knowledge in the art that the present invention can be easily practiced without these specific details and also by modifications thereof. It will be self-evident to those who have.

Hereinafter, a preferred embodiment according to the present invention will be described in detail with reference to FIGS. 1 to 4 attached, but will be described centering on parts necessary to understand the operation and operation according to the present invention.

1 is a diagram illustrating a network environment of a system for managing a public institution's bond-secured loan according to an embodiment of the present invention.

Referring to FIG. 1, the public institution bond-secured loan management system 1000 according to an embodiment of the present invention is implemented as a server accessible through a wired communication network, a wireless communication network, or an Internet network, and the borrower terminal 10 and the investor terminal It is provided to allow access to (20), and is provided to collect or verify information from the electronic bidding system 30 and the credit rating system 40.

Here, the loaner terminal 10 and the investor terminal 20 are universal communication terminals including a personal computer, a smartphone, and a tablet PC, and the loaner terminal 10 is a terminal owned by a borrower who intends to apply for a loan, One lender is a successful bidder who has won the public procurement project by participating in the electronic bidding of the public procurement project through the electronic bidding system 30. In addition, the investor terminal 20 refers to a terminal owned by an investor who wants to invest in crowdfunding products provided by the public institution bond-secured loan management system 1000.

Electronic bidding information for public procurement projects is posted on the electronic bidding system 30, and electronic bidding information on public procurement projects for which the successful bidder is determined after the electronic bidding is terminated, and successful bidders for successful bidders for public procurement projects. Information is disclosed. The public institution bond secured loan management system 1000 may collect information related to electronic bidding from the electronic bidding system 30, that is, electronic bidding announcement information, electronic bidding opening information, and successful bidder information.

The credit rating system 40 evaluates the credit rating of an individual or corporation and provides information on the evaluated credit rating, and the public institution bond secured loan management system 1000 receives information on the credit rating of the borrower from the credit rating system 40. I can confirm.

Hereinafter, a system for managing a public institution's bond-secured loan according to an embodiment of the present invention will be described in detail.

2 is a diagram for explaining the hardware configuration of a system for managing a debt-secured loan for a public institution.

Referring to FIG. 2, the system 1000 for managing a public institution's debt security loan according to an embodiment of the present invention may include a processor 100, a communication unit 200, and a memory 300.

The processor 100 may be included in more than one, may execute programs stored in the memory 300, and may also control the overall operation of the public institution bond-secured loan management system 1000.

The communication unit 200 is for communication between the loaner terminal 10, the investor terminal 20, the electronic bidding system 30, and the credit rating system 40, and enables communication between other external electronic devices, servers, etc. It may include one or more components.

The memory 300 may store instructions executable by the processor 100, programs executed by the processor 100, and may store input/output data.

Specifically, the memory 300 may store instructions or data related to at least one component of the processor 100. The memory 300 may store software and/or programs. The memory 300 may include a kernel, middleware, an application programming interface (API), and/or an application program. At least a portion of the kernel, middleware, or API may be referred to as an operating system. The kernel, for example, controls system resources (eg, bus, processor, or memory) used to execute an operation or function implemented in other programs (eg, middleware, API, or application program) or Can be managed. In addition, the kernel may provide an interface for controlling or managing system resources by accessing individual components of the server from middleware, API, or application programs.

In addition, the memory 300 may be replaced with a web storage or a cloud server that performs the function of a storage medium on the Internet.

Hereinafter, functions performed by the processor 100 in the system 1000 for managing a debt secured loan for a public institution according to an embodiment of the present invention will be described in detail.

3 is a block diagram for explaining a function performed by a processor in a system for managing a debt-secured loan in a public institution. For reference, some or all of the blocks shown in FIG. 3 may be implemented with hardware and/or software components that execute a specific function. The functions performed by the blocks shown in FIG. 3 may be implemented by one or more microprocessors, or may be implemented by circuit configurations for the corresponding functions. Some or all of the blocks illustrated in FIG. 3 may be software modules configured with various programming languages or script languages executed in the processor 100.

Referring to FIG. 3, a public institution bond-secured loan management system 1000 according to an embodiment of the present invention includes a collection unit 310, a loan application reception unit 320, a bond security confirmation unit 330, and a loaner identification unit ( 340), a loan approval processing unit 350, an investor recruitment unit 360, and a risk analysis unit 370.

The collection unit 310 collects information disclosed by the electronic bidding system 30 and stores it in a database. For example, the collection unit 310 collects electronic bidding announcement information posted for ordering a public procurement project, collects electronic bidding information on public procurement projects for which a successful bidder is determined, and a successful bidder who has won a public procurement project. You can collect information on successful bidders.

The loan application reception unit 320 receives a loan application from the loaner terminal 10 using the bonds of the public procurement project that the lender has successfully bid. At this time, the loan application reception unit 320 may receive the information on the bond security and the information on the loaner from the loaner terminal 10 while receiving the loan application.

Here, the above-described bond collateral information is information on at least one of the public procurement business announcement number, contract number, contract name, order amount, ordering institution, and contact information for which the borrower has successfully bid, and the borrower information is the borrower's business number and license information. , Information on at least one of the name of the representative and the location of the head office.

In addition, for the bond security information and the borrower information input to the loan application reception unit 320, a process of confirming the authenticity of the bond security confirmation unit 330 and the borrower identification unit 340 to be described later is performed.

When a loan application is received at the loan application reception unit 320, the bond security verification unit 330 compares the information collected by the collection unit 310 with the information received at the loan application reception unit 320, and the loan as collateral by the borrower. The authenticity of

Specifically, the bond security confirmation unit 330 compares information on at least one of the notification number, contract number, contract name, and order amount included in the electronic bidding ticket information and bond security information, respectively, to determine whether they match or not, Check the authenticity of information on bonds secured by lenders, that is, bonds secured.

When the loan application is received at the loan application reception unit 320 and the authenticity of the bond security information is confirmed from the bond security confirmation unit 330, the loaner verification unit 340 is the electronic bidding of the public procurement business. By actually participating in the public procurement project, it checks whether it is a successful bidder, and calculates a credit rating according to the credit rating of the lender evaluated by the credit rating system 40.

At this time, the loaner verification unit 340 compares information on at least one of the successful bidder information and the business number, license information, representative name, and head office location respectively included in the successful bidder information and the lender information to determine whether they match, so that the borrower actually provides public procurement. You can check whether you are a successful bidder for the business.

Then, the borrower verification unit 340 requests the credit rating information and financial information of the borrower to the credit rating system 40 to check the credit rating of the borrower, and the credit rating of the borrower using the verified credit rating and a preset credit rating table. Calculate.

The loan approval processing unit 350 determines whether or not to approve the loan by performing a loan examination when it is confirmed that the authenticity of the loaner's bond, that is, the bond collateral information, and the loaner is a successful bidder for a public procurement project.

To this end, the loan approval processing unit 350 may perform a loan review using a loan review table or a loan review program and determine whether to approve a loan according to the result of the loan review. Here, the above-described loan examination table and loan examination program may be previously set or designed for loan examination.

In addition, the loan approval processing unit 350 may calculate a loan amount to be paid to the lender based on the bond security information and the credit rating of the lender calculated by the lender check unit 340.

For example, the loan approval processing unit 350 determines the upper limit of the loan amount based on the order amount included in the bond security information and calculates the loan amount by a certain percentage of the order amount, so that the loan amount does not exceed the order amount. And, depending on the credit rating of the borrower, the rate calculated as the loan amount can be increased or decreased.

When it is determined whether or not to approve the loan from the loan approval processing unit 350, the investor recruitment unit 360 may recruit investors through a crowdfunding product in which a bond of a public procurement business is set as collateral.

The amount collected from investors through the crowdfunding product is paid as the loan amount of the lender, and when the loan amount is repaid from the lender, the investment amount and a predetermined interest amount may be provided to the investors.

Specifically, the investor recruitment unit 360 includes information on the bonds of public procurement projects secured by the lender, information on the creditworthiness or credit rating of the lender, and information on the amount of the loan requested by the lender. By creating a product, relaying information on the generated crowdfunding product and information on whether or not a borrower has applied for a loan, it is possible to recruit investors to invest in the corresponding crowdfunding product.

Each investor determines whether to invest based on the information included in the crowdfunding product, such as information on the bonds of public procurement projects set as collateral and information on the creditworthiness or credit rating of the lender, and the amount of the loan requested by the lender. The investment amount can be determined based on the information about

Meanwhile, the investor recruitment unit 360 recruits investors by relaying crowdfunding products through a service platform built to provide the aforementioned electronic bidding consulting service, or crowdfunding products through an online platform built separately for crowdfunding. You can recruit investors by relaying.

The risk analysis unit 370 analyzes the possibility of occurrence of risk by monitoring information related to the lender when the loan amount of the loan approved loan is paid to the lender.

At this time, the risk analysis unit 370 monitors whether the advance payment of the bonds secured by the lender from the electronic bidding system 30 is updated as the execution of the prepayment, prepayment, or completion money, and monitors the creditworthiness of the lender and participation in other public procurement projects. can do.

In addition, the risk analysis unit 370 monitors whether the borrower participates in other public procurement projects, compares the average bid participation rate of the companies participating in the public procurement project in the same industry with the bid participation rate of the borrower, and compares the bid participation rate of the borrower. If it falls below this set ratio, it is analyzed that a risk will occur and may request the debt collection unit 375 to process for collection of bonds.

In addition, the risk analysis unit 370 analyzes that if the credit rating information and financial information of the borrower evaluated by the credit rating system 40 are changed, the credit rating is lowered, or if a delinquent or unfair sanction is received, a risk will occur. Processing for collection may be requested from the debt collection unit 375.

On the other hand, if the above-described debt collection unit 375 is requested to process for debt collection by the risk analysis unit 370, and it is confirmed that the advance payment of the bond, the prepayment, or the completion money as collateral by the lender has been executed, the subject of debt collection Debt collection is notified to the borrowers who are eligible for debt collection, and information for debt collection and information on borrowers subject to debt collection to financial institutions, electronic bidding systems (30), or debt collection agencies. Can be requested.

Such, the public institution debt-secured loan management system 1000 according to an embodiment of the present invention is to provide a loan using the bonds of the public procurement project to small and medium-sized enterprises that have won the public procurement project by participating in electronic bidding. As a result, the financial difficulties that SMEs face while carrying out public procurement projects can be solved.

In addition, the public institution bond-secured loan management system 1000 according to an embodiment of the present invention can reduce the risk of principal loss of investors and provide stable profits through a crowdfunding product in which bonds of public procurement projects are set as collateral. have.

On the other hand, the present invention may be implemented by executing at least one executable instruction or at least one executable program stored in the memory 300 by the processor 100, and public institution bonds according to an embodiment of the present invention to be described later. Similarly, in the case of the mortgage loan management method, it may be implemented by the processor 100 executing at least one executable instruction or at least one executable program stored in the memory 300.

4 is a view for explaining a method for managing a bond-secured loan for a public institution according to an embodiment of the present invention.

Referring to FIG. 4, a method of managing a bond-secured loan of a public institution performed in the system for managing a bond-secured loan of a public institution according to an embodiment of the present invention will be described.

However, since all functions performed in the method for managing debt-secured loans for public institutions shown in FIG. 4 are performed in the system for managing debt-secured loans for public institutions described with reference to FIGS. 1 to 3, even if there is no explicit explanation, FIGS. All the functions described with reference to 3 are performed in the method for managing a public institution's debt-secured loan according to a preferred embodiment of the present invention, and all functions described with reference to FIG. 4 are performed by a public institution debt-secured loan according to a preferred embodiment of the present invention. It should be noted that it is performed as is in the management system.

First, the processor collects information disclosed to the electronic bidding system (S100).

At this time, electronic bidding announcement information posted for ordering of public procurement projects from the electronic bidding system, electronic bidding information on public procurement projects for which successful bidders are determined, and successful bidder information about successful bidders for public procurement projects can be collected and stored. have.

Next, the processor receives a loan application from the loaner terminal (S200).

At this time, the above-described lender terminal is a terminal of a lender who wants to receive a successful bid for a public procurement project by participating in electronic bidding and receive a loan application, and the lender may receive a loan application using the bond of the public procurement project that the lender has successfully bid.

In addition, when receiving a loan application, the processor receives information on at least one of the public procurement project announcement number, contract number, contract name, order amount, ordering institution, and contact information received by the borrower as bond security information. Information on at least one of the borrower's business number, license information, representative name, and head office location may be input as the borrower information.

Then, the processor compares the collected information with the information received at the time of the loan application, and checks the authenticity of the bond secured by the borrower (S300).

At this time, the processor compares the information on at least one of the notification number, contract number, contract name, and order amount included in the electronic bidding ticket information and the bond security information to determine whether they match, You can check the authenticity.

Then, the processor checks whether the borrower who received the loan application actually participates in the electronic bidding of the public procurement business and has a successful bid for the public procurement business, and calculates the credit rating of the corresponding lender (S400).

At this time, the processor compares the information on at least one of the business number, license information, representative name, and head office location included in the successful bidder information and the lender information to determine whether they match. Participating in the public procurement project can be confirmed whether the successful bidder (S410).

In addition, when it is confirmed that the lender actually participates in the electronic bidding of the public procurement business, the processor calculates a credit rating according to the credit rating of the lender evaluated by the credit rating system (S420).

At this time, the processor may request the credit rating information and financial information of the borrower through the credit rating system to check the credit rating of the borrower, and calculate the credit rating of the borrower using the confirmed credit rating and a preset credit rating table.

Then, the processor performs a loan review using a loan review table or a loan review program and determines whether to approve a loan according to the result of the loan review (S500).

At this time, the above-described loan examination table and loan examination program may be set or designed in advance for loan examination. In addition, when it is determined whether or not to approve the loan, the processor calculates the amount of the loan to be paid to the borrower based on the information on the loan security, which is information on the loan of the borrower, and the credit rating of the borrower.

Then, when it is determined whether or not to approve the loan, the processor recruits investors by relaying the crowdfunding product in which the bonds of the public procurement business are set as collateral (S600).

At this time, the processor creates and generates a crowdfunding product that includes information on the bonds of the public procurement business that the borrower secures, information on the creditworthiness or credit rating of the borrower, and information on the amount of the loan requested by the borrower. By relaying the information of the crowdfunding product and information on whether or not the borrower applies for a loan to a plurality of investor terminals, it is possible to recruit investors to invest in the corresponding crowdfunding product.

Then, the processor analyzes the possibility of occurrence of risk for the borrower (S700).

At this time, when the loan amount of the loan approved loan is paid to the lender, the processor may monitor the creditworthiness of the lender and whether or not they participate in other public procurement projects in order to analyze the possibility of risk occurrence (S710).

In addition, the processor compares the average bid participation rate of the companies participating in the public procurement project in the same industry with the bid participation rate of the borrower, based on the result of monitoring whether the borrower participates in other public procurement projects, and the borrower's bid participation rate is If it falls below the set ratio, it can be analyzed that there is a possibility that a risk may occur (S720).

In addition, the processor may analyze that there is a possibility that a risk may occur when credit rating information and financial information of a borrower evaluated by the credit rating system are changed, resulting in a lower credit rating, or a delinquency or fraudulent sanction (S730).

In addition, if it is analyzed that there is a possibility of risk occurrence, the processor monitors whether the advance payment of the bonds secured by the borrower from the electronic bidding system is updated with the execution of the prepayment, prepayment, or completion payment for the loan, and If it is confirmed that it has been executed, processing for collection of bonds may be performed (S740).

The above-described present invention can be implemented as a computer-readable code on a medium on which a program is recorded. The computer-readable medium includes all types of recording devices that store data that can be read by a computer system. Examples of a computer-readable medium include a hard disk drive (HDD), a solid state disk (SSD), a silicon disk drive (SDD), a ROM, a RAM, a CD-ROM, and an optical data storage device.

In the above, preferred embodiments of the present invention have been exemplarily described, but the scope of the present invention is not limited to such specific embodiments, and can be appropriately changed within the scope described in the claims.

100: processor 200: communication unit
300: memory
310: collection unit 320: loan application reception unit
330: bond security verification unit 340: loaner verification unit
350: loan approval processing unit 360: investor recruitment unit
370: Risk Analysis Department

Claims (20)

A collection unit that collects and stores electronic bidding announcement information posted for ordering of public procurement projects from the electronic bidding system, electronic bidding information on public procurement projects for which successful bidders are determined, and successful bidder information for successful bidders for public procurement projects ;
Participating in electronic bidding, receiving a successful bid for a public procurement project, and receiving a loan application from the lender's terminal who wishes to receive a loan application as collateral for the successful public procurement project, and securing the loan for the successful public procurement project A loan application receiving unit that receives information and information about the borrower;
A bond security verification unit that checks the authenticity of the bond secured by the borrower by comparing the information collected by the collection unit with the information received by the loan application reception unit;
A loaner verification unit that checks whether the lender is a successful bidder for the public procurement project by actually participating in the electronic bidding of the public procurement project, and calculates a credit rating according to the credit rating of the lender evaluated by the credit rating system; And
When the authenticity of the loan of the borrower is confirmed, a loan approval processing unit that performs a loan review using a preset loan review table or a loan review program and determines whether or not to approve the loan according to the result of the loan review; including,
The loaner confirmation unit,
The successful bidder information collected in the collection unit and the information on at least one of the business number, license information, representative name, and headquarters location respectively included in the loaner information are compared with each other to determine whether they match, so that the lender actually bids the public procurement project. Confirm that you are the winner,
The loan approval processing unit,
The upper limit of the loan amount is determined based on the order amount included in the bond collateral information, and the loan amount is calculated by a certain percentage of the order amount to prevent the loan amount from exceeding the order amount, and calculated as the loan amount according to the credit rating of the borrower. A system for managing debt-secured loans in public institutions, characterized in that increasing or decreasing the ratio of which is to be performed.
The method of claim 1,
The loan application reception unit,
Upon receipt of a loan application, the borrower receives information on at least one of the public procurement project's announcement number, contract number, contract name, order amount, ordering institution and contact information as bond security information,
The bond security confirmation unit,
Verification of the authenticity of the bonds secured by the lender by comparing information on at least one of the notification number, contract number, contract name, and order amount included in the electronic bidding ticket information and bond collateral information to determine whether they match. A system for managing debt-secured loans for public institutions, characterized in that.
delete The method of claim 1,
When it is decided whether or not to approve the loan, a crowdfunding product is created that includes information on the bonds of public procurement projects that the lender secures, information on the creditworthiness or credit rating of the lender, and information on the amount of the loan applied by the lender. And, by relaying the generated information on the crowdfunding product and information on whether or not the borrower has applied for a loan to a plurality of investor terminals, the investor recruiting unit for recruiting investors to invest in the corresponding crowdfunding product; characterized in that it further comprises a. A system for managing debt-secured loans for public institutions.
The method of claim 1,
A risk analysis unit that analyzes the possibility of occurrence of risks by monitoring whether the borrower has executed the advance payment of the bonds as collateral, the prepayment or completion money, and the creditworthiness of the borrower and participation in other public procurement projects; Institutional debt secured loan management system.
Processor; And
Including; a memory for storing one or more instructions executable by the processor;
The processor, by executing the one or more instructions,
Collects and stores electronic bidding announcement information posted for ordering of public procurement projects from the electronic bidding system, electronic bidding information on public procurement projects for which successful bidders are determined, and successful bidder information on successful bidders for public procurement projects,
Participating in electronic bidding, receiving a successful bid for a public procurement project, and receiving a loan application from the lender's terminal who wishes to receive a loan application as collateral for the successful public procurement project, and securing the loan for the successful public procurement project Receive information and information of the borrower about the borrower,
By comparing the collected information with the received information, confirming the authenticity of the bond that the borrower secures,
The lender actually participates in the electronic bidding of the public procurement business and checks whether the successful bidder for the public procurement business is successful, and calculates the credit rating according to the credit rating of the lender evaluated by the credit rating system.
When the authenticity of the borrower's bonds is confirmed, a loan review is performed using a predetermined loan review table or a loan review program, and the loan approval or not is determined according to the results of the loan review.
By comparing the information on at least one of the business number, license information, representative name, and head office location, respectively included in the collected successful bidder information and the borrower information, to determine whether the lender is actually a successful bidder for a public procurement project. Check,
The upper limit of the loan amount is determined based on the order amount included in the bond collateral information, and the loan amount is calculated by a certain percentage of the order amount to prevent the loan amount from exceeding the order amount, and calculated as the loan amount according to the credit rating of the borrower. A system for managing debt-secured loans by public institutions, which increases or decreases the rate of payment.
The method of claim 6,
The processor, by executing the one or more instructions,
Upon receipt of a loan application, the borrower receives information on at least one of the public procurement project's announcement number, contract number, contract name, order amount, ordering institution and contact information as bond security information,
Verification of the authenticity of the bonds secured by the lender by comparing information on at least one of the notification number, contract number, contract name, and order amount included in the electronic bidding ticket information and bond collateral information to determine whether they match. A system for managing debt-secured loans for public institutions.
delete The method of claim 6,
The processor, by executing the one or more instructions,
When it is decided whether or not to approve the loan, a crowdfunding product is created that includes information on the bonds of public procurement projects that the lender secures, information on the creditworthiness or credit rating of the lender, and information on the amount of the loan applied by the lender. And, by relaying the information on the generated crowdfunding product and information on whether or not the borrower has applied for a loan to the investor terminal, the public institution bond-secured loan management system for recruiting investors to invest in the corresponding crowdfunding product.
The method of claim 6,
The processor, by executing the one or more instructions,
A public institution's bond-secured loan management system that analyzes the possibility of risk occurrence by monitoring the execution of prepayment, prepayment, or completion of bonds secured by the borrower, creditworthiness of the borrower and participation in other public procurement projects.
(1) Collecting and storing electronic bidding announcement information posted for ordering of public procurement projects from the electronic bidding system, electronic bidding information on public procurement projects for which successful bidders are determined, and successful bidder information on successful bidders for public procurement projects Step to do;
(2) Participating in electronic bidding, receiving a successful bid for a public procurement project, and receiving a loan application from the lender's terminal who wishes to receive a loan application as collateral, and the lender in the public procurement project Receiving information about the bond collateral and information about the borrower about the borrower;
(3) comparing the collected information with the information received at the time of the loan application, and confirming the authenticity of the bond secured by the borrower;
(4) verifying whether the lender is a successful bidder for the public procurement project by actually participating in the electronic bidding for the public procurement project, and calculating a credit rating according to the credit rating of the lender evaluated by the credit rating system; And
(5) When the authenticity of the loan of the borrower is confirmed, performing a loan review using a predetermined loan review table or a loan review program and determining whether to approve a loan according to the result of the loan review; including,
The step (4),
By comparing the information on at least one of the business number, license information, representative name, and head office location, respectively included in the collected successful bidder information and the borrower information, to determine whether the lender is actually a successful bidder for a public procurement project. Check,
The step (5),
The upper limit of the loan amount is determined based on the order amount included in the bond collateral information, and the loan amount is calculated by a certain percentage of the order amount to prevent the loan amount from exceeding the order amount, and calculated as the loan amount according to the credit rating of the borrower. A method for managing debt-secured loans in public institutions, characterized in that increasing or decreasing the ratio of which is the same.
The method of claim 11,
The second step,
Upon receipt of a loan application, the borrower receives information on at least one of the public procurement project's announcement number, contract number, contract name, order amount, ordering institution and contact information as bond security information,
The third step,
Verification of the authenticity of the bonds secured by the lender by comparing information on at least one of the notification number, contract number, contract name, and order amount included in the electronic bidding ticket information and bond collateral information to determine whether they match. A method for managing debt-secured loans in public institutions, characterized in that.
delete The method of claim 11,
After step (5),
(6) When it is decided whether or not to approve the loan, crowdfunding that includes information on the bonds of the public procurement project that the lender secures, information on the creditworthiness or credit rating of the lender, and information on the amount of the loan applied by the lender. Generating a product, relaying the information on the generated crowdfunding product and information on whether or not the borrower has applied for a loan to a plurality of investor terminals, and recruiting investors to invest in the corresponding crowdfunding product; characterized by further comprising How to manage debt-secured loans by public institutions.
The method of claim 11,
After step (5),
(7) Analyzing the possibility of occurrence of risk by monitoring whether the borrower has executed the advance payment of the bonds as collateral, the prepayment or completion money, the creditworthiness of the borrower and participation in other public procurement projects; characterized in that it further comprises How to manage debt-secured loans in public institutions.
On the computer,
(1) Collecting and storing electronic bidding announcement information posted for ordering of public procurement projects from the electronic bidding system, electronic bidding information on public procurement projects for which successful bidders are determined, and successful bidder information on successful bidders for public procurement projects Step to do;
(2) Participating in electronic bidding, receiving a successful bid for a public procurement project, and receiving a loan application from the lender's terminal who wishes to receive a loan application as collateral, and the lender in the public procurement project Receiving information about the bond collateral and information about the borrower about the borrower;
(3) comparing the collected information with the information received at the time of the loan application, and confirming the authenticity of the bond secured by the borrower;
(4) verifying whether the lender is a successful bidder for the public procurement project by actually participating in the electronic bidding for the public procurement project, and calculating a credit rating according to the credit rating of the lender evaluated by the credit rating system; And
(5) When the authenticity of the loan of the borrower is confirmed, performing a loan review using a predetermined loan review table or a loan review program, and determining whether to approve the loan according to the result of the loan review;
The step (4),
By comparing the information on at least one of the business number, license information, representative name, and head office location, respectively included in the collected successful bidder information and the borrower information, to determine whether the lender is actually a successful bidder for a public procurement project. Check,
The step (5),
The upper limit of the loan amount is determined based on the order amount included in the bond collateral information, and the loan amount is calculated by a certain percentage of the order amount to prevent the loan amount from exceeding the order amount, and calculated as the loan amount according to the credit rating of the borrower. A computer program stored on a computer-readable storage medium that increases or decreases the rate of being.
The method of claim 16,
The second step,
Upon receipt of a loan application, the borrower receives information on at least one of the public procurement project's announcement number, contract number, contract name, order amount, ordering institution and contact information as bond security information,
The third step,
Verification of the authenticity of the bonds secured by the lender by comparing information on at least one of the notification number, contract number, contract name, and order amount included in the electronic bidding ticket information and bond collateral information to determine whether they match. A computer program stored on a computer-readable storage medium.
delete The method of claim 16,
After step (5),
(6) When it is decided whether or not to approve the loan, crowdfunding that includes information on the bonds of the public procurement project that the lender secures, information on the creditworthiness or credit rating of the lender, and information on the amount of the loan applied by the lender. Creating a product, relaying the information on the generated crowdfunding product and information on whether or not the borrower has applied for a loan to a plurality of investor terminals, and recruiting investors to invest in the corresponding crowdfunding product; A computer program stored on a readable storage medium.
The method of claim 16,
After step (5),
(7) Analyzing the possibility of risk occurrence by monitoring whether the borrower has executed the advance payment of the bonds as collateral, the prepayment or completion money, and the creditworthiness of the borrower and participation in other public procurement projects; to further execute, computer-readable A computer program stored on a storage medium.

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