KR102308024B1 - Financial support method for construction work - Google Patents

Abstract

The present invention relates to a financial support method for providing a loan in the name of a subcontractor to an equipment material company with a low credit rating in a construction project. The financial support method for construction work according to an embodiment of the present invention includes the steps of determining a loan limit for a subcontractor when a loan agreement is received from a subcontractor that has signed a subcontract with a principal contractor, and the original contract from a payment confirmation server Step of receiving the company's established approval details, receiving information on the first loan required amount from the subcontractor, and receiving information on the second loan required amount from the equipment and material company that has signed a subcontracting contract with the subcontractor , receiving a loan application for the first loan required amount and the second loan required amount from the subcontractor, and transferring the first and second loan required amounts within the loan limit to the account and It characterized in that it comprises the step of remittance to the account of the subcontractor.

Description

FINANCIAL SUPPORT METHOD FOR CONSTRUCTION WORK

The present invention relates to a financial support method for providing a loan in the name of a subcontractor to an equipment material company with a low credit rating in a construction project.

In general, construction work is performed by the ordering organization, the original contractor who has signed a contract with the ordering organization, the sub-contractor who has signed a sub-contract with the original contractor, and the equipment material company that has signed a sub-contract with the sub-contractor.

In the case of construction work, each institution charges a donation according to the degree of completion of the project it is in charge of, and the finished money finally paid by the ordering authority is paid to the original contractor, sub-contractor, and equipment and material companies, respectively.

In the case of an institution with a large capital scale, the project is carried out with the capital held by them, and the completion fee is paid according to the degree of construction progress.

However, in the case of equipment and materials companies in charge of construction and services on site, they do not have capital and have to provide funds for the construction they are in charge of. The reality is that it is difficult to receive.

Accordingly, there is a need for a method that can improve the stability of the overall construction work by providing appropriate financial support to equipment and material companies.

An object of the present invention is to provide a financial support method for providing a loan in the name of a subcontractor to an equipment material company with a relatively low credit rating in a construction project in which a subcontract contract and a subcontract contract are concluded.

The objects of the present invention are not limited to the above-mentioned objects, and other objects and advantages of the present invention not mentioned may be understood by the following description, and will be more clearly understood by the examples of the present invention. Moreover, it will be readily apparent that the objects and advantages of the present invention may be realized by the means and combinations thereof indicated in the claims.

The method of financial support for construction work according to an embodiment of the present invention for achieving the above object includes the steps of determining a loan limit for a subcontractor when a loan agreement is received from a subcontractor that has signed a subcontractor contract with a primary subcontractor; Receiving the pre-approved details of the primary subcontractor from the payment confirmation server, receiving information on the first loan required amount from the subcontractor, and receiving the second loan required amount from the equipment material company that has signed a subcontract contract with the subcontractor receiving information on the first loan required amount and the second loan required amount from the subcontractor and remittance to the account of the equipment and material company and the account of the subcontractor.

According to the present invention, equipment and materials companies can receive financial support at a loan interest rate between a financial institution and a subcontractor, so there is an effect that can overcome the limitations of financial accessibility due to the conventional low credit rating.

In addition, according to the present invention, since the subcontractor can pay the established money to the equipment material company without paying any interest, there is an advantage in that it is possible to eliminate the burden of paying the already-made money by raising funds at your own expense when requesting the completion of the conventional equipment material company.

In addition, according to the present invention, there is an effect that the original contractor and the ordering organization can guarantee the stability of the construction work due to the strengthening of financial support not only for the subcontractor but also for the equipment and material companies.

1 is a view showing a financial support system for a construction work according to an embodiment of the present invention.
Figure 2 is a flowchart illustrating a financial support method for a construction work according to an embodiment of the present invention.
3 is a flowchart for explaining a process in which a financial server determines a loan limit of a subcontractor.
Figure 4 is a flow chart for explaining the process of identifying the loan required amount of the equipment material company and notifying whether the loan is possible accordingly.
5 is a flowchart for explaining the loan execution and loan repayment process for subcontractors and equipment material companies.

The above-described objects, features and advantages will be described below in detail with reference to the accompanying drawings, and accordingly, those of ordinary skill in the art to which the present invention pertains will be able to easily implement the technical idea of the present invention. In describing the present invention, if it is determined that a detailed description of a known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description will be omitted. Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the accompanying drawings. In the drawings, the same reference numerals are used to indicate the same or similar components.

The present invention relates to a financial support method for providing a loan in the name of a subcontractor to an equipment material company with a low credit rating in a construction project.

Hereinafter, a financial support system for a construction project and a financial support method performed by a financial server in the system will be described in detail with reference to FIGS. 1 to 5 .

1 is a diagram illustrating a financial support system for a construction work according to an embodiment of the present invention, and FIG. 2 is a flowchart illustrating a financial support method for a construction work according to an embodiment of the present invention.

3 is a flowchart illustrating a process in which a financial server determines a loan limit of a subcontractor. 4 is a flowchart for explaining a process of identifying a loan required amount of an equipment and material company and notifying whether a loan is possible according thereto. In addition, FIG. 5 is a flowchart for explaining the loan execution and loan repayment process for subcontractors and equipment material companies.

Referring to FIG. 1 , the organization for construction work includes an ordering agency 10 , a primary contractor who has signed a contract with the ordering organization 10 , 20 , and a subcontractor who has signed a subcontract with the original contractor 20 ( 30 ). ) and a subcontractor 30 and an equipment material company 40 that has signed a subcontract contract.

The ordering organization 10 is an organization that orders construction work, and may be, for example, a local government or a union that has received approval from a local government for a workplace. This ordering organization 10 may conclude a contract with the original contractor 20 for construction work.

The original contractor 20 may perform comprehensive planning, management and coordination of construction work as a general construction company. The original subcontractor 20 may conclude a subcontract contract with the subcontractor 30 to complete the construction work.

The subcontractor 30 is a professional construction company, and may be in charge of construction of each field (eg, scaffolding, reinforced concrete, plastering) included in the construction work. The subcontractor 30 may conclude a subcontract contract with the equipment material company 40 to complete the construction of each field.

The equipment material supplier 40 is a supplier of equipment and materials, and may perform construction in each field. More specifically, the equipment material company 40 may perform construction by selling and renting equipment or materials or providing services.

The equipment and material company 40 requests the subcontractor 30 for a pre-payment according to the degree of construction, and the sub-contractor 30 claims the pre-paid money from the original subcontractor 20 according to the construction degree of each field, and the original subcontractor (20) ) may request a donation from the ordering organization 10 according to the degree of completion of the construction work.

In order to manage the movement of these funds, the financial support system 1 for construction works includes, in addition to the aforementioned institutions, the financial server 100 for creating accounts of each institution, and payment confirmation that manages the payment of accounts of each institution. It may further include a server 200 and a guarantee agency server 300 .

The financial support method for the construction work of the present invention to be described later may be performed by the financial server 100 shown in FIG. 1 . The financial server 100 is a server of a financial institution, and may be a server of a bank that performs functions such as account creation and loan execution.

Referring to FIG. 2 , the financial support method for construction work receives a loan agreement from the subcontractor 30 and determines the loan limit of the subcontractor 30 ( S10 ), from the payment confirmation server 200 . The step of receiving the pre-approved details of the original contractor 20 (S20), the step of receiving information on the loan required amount from the equipment material company 40 (S30), the total loan required amount from the subcontractor 30 It may include a step (S40) of receiving a loan application and a step (S50) of remitting the total loan required amount to the accounts of the subcontractor 30 and the equipment and material company 40, respectively.

The financial support method shown in FIG. 2 is according to an embodiment, and each of the steps constituting the invention is not limited to the embodiment shown in FIG. 2 , and some steps may be added, changed, or deleted as necessary.

Hereinafter, each step shown in FIG. 2 will be described according to the operation of each institution and server shown in FIG. 1 .

On the other hand, the ordering organization 10, the original contractor 20, the sub-contractor 30, and the equipment and material company 40, which will be described later, may build their own servers and may include terminals. For example, in the case of a relatively large ordering organization 10 or original contractor 20, the company's own server may be built. On the other hand, a relatively small subcontractor 30 or equipment material company 40 may include a terminal instead of a server.

Hereinafter, the subject of the invention will be described with the name of the organization (eg, the ordering organization 10, the original contractor 20, the subcontractor 30, and the equipment and material company 40), but each operation of the invention is within the organization. The established server (eg, the server of the ordering organization 10, the server of the original contractor 20, etc.) or the terminal included in the organization (eg, the terminal of the subcontractor 30, the terminal of the equipment material company 40) can be performed by

The financial server 100 may receive a loan agreement from the subcontractor 30 and determine the loan limit of the subcontractor 30 ( S10 ). Here, the loan agreement is a document specifying the contents of the loan transaction, and the contents of the loan amount, interest rate, repayment method, delay compensation, etc. may be described.

The subcontractor 30 may need funds for the construction of each field included in the construction work, and may receive a loan agreement to the financial server 100 to cover these funds. More specifically, the subcontractor 30 may provide the loan agreement directly to the financial server 100 , and may provide the loan agreement through the payment confirmation server 200 that manages payment details of the pre-paid money.

The financial server 100 may determine a loan limit for the subcontractor 30 when the loan agreement is received. The loan limit may be determined according to the credit rating or payment history of the subcontractor 30 , or may be determined according to the value of collateral provided by the subcontractor 30 .

However, as will be described later, in order to compensate for the penalty that the subcontractor 30 has to apply for a loan in its own name up to the price of the equipment and material company 40, the loan limit is not the collateral provided by the subcontractor 30 Preferably, it is determined according to the credit rating and the payment transaction history of the subcontractor 30 .

To this end, the financial server 100 may determine a loan limit for the subcontractor 30 by operating in conjunction with the guarantee institution server 300 .

Referring to FIG. 3 , the subcontractor 30 may submit a loan agreement to the financial server 100 ( S31 ). When the loan agreement is received, the financial server 100 may inquire about the guarantee limit for the subcontractor 30 to the guarantee institution server 300 (S120).

The guarantee institution server 300 may perform a function of providing a guarantee issued by itself as collateral instead of the subcontractor 30 when the financial server 100 performs a loan. To this end, the guarantee agency server 300 provides business place approval information of the subcontractor 30, credit information, past loan information, subcontract information between the original subcontractor 20 and the subcontractor 30, and the A guarantee can be issued based on the ready-made request details, the payment information of the previous principal contractor 20 and the subcontractor 30, the construction progress information, etc., and the guarantee agency server 300 receives these information can be provided.

The guarantee institution server 300 may determine the maximum guarantee limit that can be guaranteed through the guarantee issued by itself based on the above-mentioned information, and may notify the financial server 100 of the determined guarantee limit (S310) ).

The financial server 100 may determine the loan limit for the subcontractor 30 based on the guarantee limit notified from the guarantee institution server 300 (S130).

Since the financial server 100 does not receive a separate collateral from the subcontractor 30 and executes a loan with the guarantee issued by the guarantee institution server 300 as collateral, the loan limit determined by the financial server 100 is It may be equal to or lower than the guarantee limit determined by the guarantee agency server 300 .

Meanwhile, the financial server 100 may pay a guarantee fee to the account of the guarantee institution server 300 in order to receive a guarantee certificate (S120).

More specifically, the financial server 100 may inquire about the guarantee limit for the issuance of a guarantee and the subcontractor 30 to the guarantee institution while paying the guarantee fee to the account of the guarantee institution server 300, and the guarantee institution server 300 may notify the financial server 100 of the guarantee limit for the subcontractor 30 .

As will be described later, the subcontractor 30 has a partial penalty of lending up to the price of the equipment and material company 40 in its own name, and the financial server 100 is a cost for collateral (guarantee) of the subcontractor 30. By paying by oneself, the penalty of the subcontractor 30 can be compensated.

Through the above-described process, the financial server 100 may determine the loan limit for the loan of the subcontractor 30 . The financial server 100 may notify the determined loan limit to the subcontractor 30 ( S140 ), and the financial server 100 and the subcontractor 30 may complete the contract for the loan limit.

Thereafter, the financial server 100 may receive the pre-approved details of the original subcontractor 20 from the payment confirmation server 200 (S20). Here, the ready-made approval details may mean the details of the ready-made request approved by the original contractor 20 .

The payment confirmation server 200 is a server that manages payment of each institution, and the original subcontractor 20 may approve the ready-made request of the subcontractor 30 through the payment confirmation server 200 . The payment confirmation server 200 may provide the ready-made approval details of the original subcontractor 20 to the financial server 100, and the financial server 100 checks the ready-made approval details to make a loan to the subcontractor 30 can be confirmed

More specifically, since the original subcontractor 20 approves the ready-made request of the subcontractor 30, the subcontractor 30 acknowledges the ready-made receivables that the subcontractor 30 has to the principal subcontractor 20, so the financial server 100 confirms the payment A loan to the subcontractor 30 may be confirmed by receiving the pre-approved details of the original plating company from the server 200 .

On the other hand, the established approval details may include the details of the established money of the equipment material company 40 and the established money of the subcontractor 30 . That is, the subcontractor 30 can make a request to the original subcontractor 20 for the equipment material company's already-made money and its own donations, and the original subcontractor 20 can approve the initial request for each already-made money. . Accordingly, the financial server 100 may receive from the payment confirmation server 200 the ready-made approval details for the finished money of the equipment and material company 40 and the ready-made approval details for the ready-made money of the subcontractor 30 .

When the loan is confirmed by receiving the pre-approved details, the financial server 100 can determine the loan amount to be actually executed.

To this end, the financial server 100 may receive information about the loan required amount from the subcontractor 30 and the equipment and material company 40 (S30).

The subcontractor 30 may determine the amount required for a loan for the construction work as the first loan required amount, and the equipment and material company 40 may determine the amount required for the loan for the construction as the second loan required amount. The financial server 100 may receive information on the first loan required amount from the subcontractor 30 , and may receive information on the second loan required amount from the equipment and materials company 40 .

In one example, the financial server 100 may inquire about the required first and second loan amounts to the subcontractor 30 and the plurality of equipment and material companies 40 through the payment confirmation server 200 . For example, the financial server 100 may inquire about the required first and second loan amounts to the subcontractor 30 and the plurality of equipment and material companies 40 through the online interface of the payment confirmation server 200 , The payment confirmation server 200 may deliver the contents of the inquiry to the subcontractor 30 and a plurality of equipment and material companies 40 .

When information on the first and second loan required amounts from the subcontractor 30 and each equipment and material company 40 is input through the online interface of the payment confirmation server 200, the payment confirmation server 200 is Information on the first and second loan required amounts may be provided to the financial server 100 .

In another example, the financial server 100 may inquire the first and second loan required amounts through the contact information of the subcontractor 30 and the contact information of the plurality of equipment and material companies 40 stored in the payment confirmation server 200 . In response, information on the first and second loan required amounts may be provided.

Referring to FIG. 4 , when the ready-made approval details are provided from the original subcontractor 20 ( S210 ), the financial server 100 refers to the payment confirmation server 200 , the contact information of the subcontractor 30 , and the subcontractor ( 30) and each of the contact information of a plurality of equipment and material companies 40 that have signed a subcontract contract can be identified (S140). In the payment confirmation server 200, the contact information of the ordering organization 10, the original contractor 20, the subcontractor 30 and the equipment material company 40 with which the contract, subcontract, and subcontract contracts are concluded. can

Subsequently, the financial server 100 may inquire about the required first and second loan amounts through the contact information of the identified subcontractor 30 and the equipment and material company 40 ( S150 ).

For example, the financial server 100 may inquire of the first loan required amount to the subcontractor 30 through the email address of the subcontractor 30 stored in the payment confirmation server 200 . In addition, the financial server 100 may inquire about the second loan required amount through SMS (Short Message service) to the mobile phone number of each equipment and material company 40 stored in the payment confirmation server 200 .

The subcontractor 30 and each equipment and material company 40 send the first and second loan required amounts to the financial server 100 by replying information on the first and second loan requirements through email and SMS, respectively. Can notify (S32, S41, S41')

Meanwhile, the financial server 100 may notify the subcontractor 30 and the equipment material company 40 of information on the pre-approved details of the original subcontractor 20 before the inquiry of the loan required amount. More specifically, when the loan is confirmed by receiving the ready-made approval details, the financial server 100 may notify the subcontractor 30 and the equipment material company 40 of the ready-made approval details, respectively.

Accordingly, the subcontractor 30 and the equipment and material company 40 can check their existing receivables, and in consideration of this, the loan required amount can be determined in advance before the loan required amount is inquired from the financial server 100. have.

When the loan required amount is notified from the subcontractor 30 and each equipment and material company 40 , the financial server 100 may determine whether a loan to the equipment and material company 40 is possible ( S160 ).

First, the financial server 100 may determine whether a loan to the subcontractor 30 is possible by comparing the previously determined loan limit with the first required loan amount notified from the subcontractor 30 . More specifically, when the first loan required amount is less than the loan limit, the financial server 100 may determine that the loan is possible. On the other hand, if the first loan required amount is greater than the loan limit, the financial server 100 may determine that the loan is impossible.

However, as described above, since the subcontractor 30 determines the first required loan amount after receiving the loan limit from the financial server 100, in general, the first required loan amount may be determined to be less than the loan limit.

When it is determined that a loan to the subcontractor 30 is possible, the financial server 100 may determine whether a loan to the equipment material company 40 is possible.

More specifically, the financial server 100 is the equipment material company 40 when the amount obtained by subtracting the first loan required amount from the loan limit of the subcontractor 30 is greater than the second loan required amount of the equipment material company 40 . It can be determined that the loan is possible, and it can be notified to the equipment manufacturer that the loan is possible (S170). On the other hand, if the amount obtained by subtracting the first loan required amount from the loan limit of the subcontractor 30 is less than the second loan required amount, the financial server 100 may determine that the loan to the equipment self-contained company is impossible, It is possible to notify the material company 40 that the loan is impossible (S170).

That is, since the financial server 100 executes a loan for the subcontractor 30 and the equipment material company 40 according to the loan limit of the subcontractor 30 , first, after executing the loan for the subcontractor 30 , , it is possible to determine whether a loan to the equipment material company 40 is possible to the limit of the remaining amount excluding the share (the first loan required amount) of the subcontractor 30 from the loan limit.

Meanwhile, the financial server 100 may sequentially receive information on the second loan required amount from each equipment and material company 40 . For example, the financial server 100 provides information on the second loan required amount from the second equipment and materials company 40 after receiving the information on the second loan required amount from the first equipment and materials company 40 . can receive

Referring to FIG. 4 , the financial server 100 may inquire about the loan required amount to the subcontractor 30 and the first and second equipment and materials companies 40 ( S150 ), and the first equipment and materials companies 40 . may notify the second loan required amount before the second equipment and material company 40 (S41).

First, the financial server 100 is the first equipment and materials company 40, if the amount obtained by subtracting the first loan required amount from the loan limit is greater than the second loan required amount of the first equipment and materials company 40, a loan to the first equipment and materials company 40 is possible. It can be determined that it is, and it can be notified that the loan is possible to the first equipment material company (40).

Next, the financial server 100 deducts the first loan required amount from the loan limit and the second required loan amount of the first equipment and materials company 40 is the second loan required amount of the second equipment and materials company 40 . If it is less, it may be determined that the loan to the second equipment material company 40 is impossible, and it may be notified that the loan is impossible to the second equipment material company 40 .

That is, since the financial server 100 executes a loan for the subcontractor 30 and a plurality of equipment and material companies 40 according to the loan limit of the subcontractor 30 , first execute a loan for the subcontractor 30 . After that, it is possible to determine whether a loan to the equipment material company 40 is possible sequentially to the limit of the remaining amount excluding the share (the first loan required amount) of the subcontractor 30 from the loan limit.

In the example shown in FIG. 4 , since the first equipment material company 40 notified the second loan required amount before the second equipment material company 40 , the remaining amount excluding the share of the subcontractor 30 from the loan limit It is possible to determine whether a loan is possible to the first equipment and material company 40 as a limit, and then, the remaining amount excluding the share of the subcontractor 30 and the share of the first equipment and material company 40 from the loan limit is limited It is possible to determine whether a loan to the second equipment material company 40 is possible.

After notifying the subcontractor 30 and each equipment and material company 40 whether a loan is possible, the financial server 100 sends a loan application for the first required loan amount and the second required loan amount from the subcontractor 30 . It can be accepted (S40).

In other words, the financial server 100 receives a loan application for the total loan amount obtained by adding the first loan required amount shared by the subcontractor 30 and the second required loan amount shared by the equipment and material company 40 from the subcontractor 30 . can do.

The loan application may be received through the payment confirmation server 200 . More specifically, the subcontractor 30 can submit a loan application in his/her name for the total loan amount that is the sum of his share and the share of the equipment and material company 40 through the online interface of the payment confirmation server 200. have. Alternatively, the loan application may be received through a financial application provided by a bank server. Even in this case, the subcontractor 30 may submit a loan application for the total loan amount including its share and the share of the equipment and material company 40 in its name through the interface provided by the financial application.

When the loan application is received, the financial server 100 may notify the loan execution details to the guarantee institution server 300, and within the loan limit, the loan required amount is transferred to the account of the subcontractor 30 and the equipment material company 40. can be transferred to (S50). More specifically, the financial server 100 may remit the first required loan amount to the account of the subcontractor 30 , and may remit the second required loan amount to the account of the equipment and material company 40 .

Referring to FIG. 5 , the financial server 100 may receive a loan application form from the subcontractor 30 ( S33 ). Thereafter, for sending the loan, the financial server 100 may inquire the accounts of the subcontractor 30 and the equipment and material company 40 through the payment confirmation server 200, respectively (S110'). As described above, the payment confirmation server 200 is a server that manages the payment of accounts of each institution, and the account information of each institution may be stored in the payment confirmation server 200 in advance.

Subsequently, the financial server 100 may remit the first loan required amount to the account of the subcontractor 30 (S130'), and may remit the second loan required amount to the account of the equipment and material company 40 (S140). ').

On the other hand, before sending the loan required amount to the accounts of the subcontractor 30 and the equipment material company 40 , the financial server 100 may preempt interest. More specifically, the financial server 100 may preempt interest for a preset period from the first required loan amount and the second required loan amount (S120'). The financial server 100 may remit the remaining amount of interest in advance to the account of the subcontractor 30 and the account of the equipment material company 40 , respectively.

The preset period may be determined by institutional factors. For example, according to the current subcontracting law, if the original subcontractor 20 does not pay the advance payment within 60 days after the completion of the construction of the subcontractor 30, it is punished as a violation of the Subcontracting Act, so the preset period may be set to 60 days. In this case, the financial server 100 may advance interest for 60 days from the first and second loan required amounts, and then remit the remaining amount to the accounts of the subcontractor 30 and the equipment and materials company 40, respectively. have.

Referring back to FIG. 5 , the financial server 100 may generate a virtual account 110 for repayment for the subcontractor 30 after remitting the first required loan amount to the account of the subcontractor 30 . (S150').

Since the financial server 100 made a loan in the name of the subcontractor 30 , the right to claim reimbursement to the subcontractor 30 may exist, but the right to claim reimbursement to the equipment and material company 40 may not exist. The financial server 100 may create a virtual account 110 for repayment in the name of the subcontractor 30 to receive the loan amount repaid.

Subsequently, the financial server 100 may notify the generated virtual account for redemption 110 to the payment confirmation server 200 (S160').

On the other hand, the payment confirmation server 200 may manage the account of the institution that needs to send and receive the pre-paid money by dividing it into a fixed account and a general account. More specifically, the payment confirmation server 200 divides the account of the original contractor 20, which should give the subcontractor 30 a donation and receive the donation from the ordering agency 10, into a fixed account 21 and a general account. It is possible to manage the accounts of the subcontractors (30) who have to pay the equipment and materials companies (40) and receive the funds from the original subcontractors (20) by dividing them into fixed accounts (32) and general accounts (31). have.

Here, the fixed account may be an account in which funds can flow only when there is an application for payment through the payment confirmation server 200, and may be an account in which funds can flow regardless of whether a general account is applied for payment. The selective fund flow of the fixed account may be managed by the payment confirmation server 200 .

For example, referring to FIG. 1 , when a donation is paid from the ordering agency 10 to the original contractor 20 , the donation may be deposited into the fixed account 21 of the original contractor 20 . The payment confirmation server 200 remits the share of the original contractor 20 from the funds deposited in the fixed account 21 of the original contractor 20 to the general account of the original contractor 20, and the remaining amount is transferred to the subcontractor ( 30) can be transferred to the fixed account 32. In the same way, the payment confirmation server 200 remits the share of the subcontractor 30 among the funds deposited in the fixed account 32 of the subcontractor 30 to the general account 31 of the subcontractor 30 and , the remaining amount may be transferred to the general account 41 of the equipment and material company 40 .

When the payment confirmation server 200 is notified of the virtual account 110 for redemption from the financial server 100, the fixed account 32 of the subcontractor 30 is changed to the virtual account 110 for redemption (S220) , the account change may be notified to the original contractor 20 (S230).

Referring back to FIG. 5 , the original contractor 20 may deposit the ready-made money into his or her fixed account 32 for payment of the ready-made money (S21), and notify the payment confirmation server 200 of the fact of the deposit. can be (S22).

The financial server 100 may receive the first and second loan-required amounts among the established funds paid by the original subcontractor 20 to the virtual account 110 for repayment through the payment confirmation server 200 .

More specifically, when the deposit fact is notified by the original subcontractor 20, the payment confirmation server 200 repays the first and second loan required amounts among the funds deposited in the fixed account 21 of the original subcontractor 20 It is possible to deposit the money into the virtual account 110 for use ( S240 ), and deposit the remaining amount to the new fixed account 32 of the subcontractor 30 . The payment confirmation server 200 may notify the deposit fact to the financial server 100 in order to inform that the loan amount has been deposited in the virtual account for repayment 110 (S250).

Additionally, although not shown in the drawing, the payment confirmation server 200 transfers the share of the subcontractor 30 from the amount deposited into the new fixed account 32 of the subcontractor 30 to the general account 31 of the subcontractor 30 . ), and the remaining amount may be transferred to the general account 41 of the equipment and material company 40 .

By the operation of the payment confirmation server 200 , the financial server 100 may receive the total loan amount for which the loan is executed to the virtual account for repayment 110 .

When the fact of deposit is notified from the payment confirmation server 200, the financial server 100 may refund the difference in the advance interest (S170').

More specifically, the financial server 100 transfers some of the interest prepaid according to the repayment date to the account of the subcontractor 30 and the account of the equipment material company 40 when repaying the loan for the first and second loan required amounts. Each can be refunded. In other words, the financial server 100 may refund the difference between the advance interest and the actually generated interest to the subcontractor 30 and the equipment material company 40 .

For example, if the financial server 100 pays a loan amount in advance of interest for 60 days, if the original subcontractor 20 pays the pre-paid money on the 40th day after the completion of the construction of the subcontractor 30, the financial The server 100 may refund the interest amount for 20 days, which is the difference between the interest for 60 days in advance and the interest for 40 days actually incurred, to the subcontractor 30 and the equipment material company 40 .

Thereafter, the financial server 100 may notify the loan repayment details to the payment confirmation server 200 ( S180 ′), and the payment confirmation server 200 may provide a loan generated between the financial institution and the subcontractor 30 . Records can be accumulated.

According to the present invention described above, as the loan is carried out in the name of the subcontractor 30 , the equipment material company 40 can receive financial support at the loan interest rate between the financial institution and the subcontractor 30 , so It has the effect of overcoming the limitations of financial access.

In addition, according to the present invention, the equipment material company 40 bears interest on the loan amount for its share, and when the original subcontractor 20 pays the completed money, the equipment material supplier 40 pays the equipment material supplier ( 40), so the subcontractor 30 can pay the equipment material company 40 without any interest burden. It has the advantage of eliminating the burden of paying

In addition, according to the present invention, the original subcontractor 20 and the ordering agency 10 have the effect of guaranteeing the stability of the construction work due to the strengthening of financial support not only for the subcontractor 30 but also for the equipment and material companies 40 . have.

For those of ordinary skill in the art to which the present invention pertains, various substitutions, modifications and changes are possible within the scope of the present invention without departing from the technical spirit of the present invention. is not limited by

Claims (14)

determining a loan limit for the subcontractor when a loan agreement is received from a subcontractor that has signed a subcontract with the original subcontractor;
receiving the pre-approved details of the original contractor from the payment confirmation server;
The subcontractor receives information on the first loan required amount, which is the amount the subcontractor needs loan for construction work, and the equipment material company borrows for construction from the equipment material company that has signed a subcontract contract with the subcontractor receiving information on the required second loan amount, which is the required amount;
receiving a loan application for the first required loan amount and the second required loan amount from the subcontractor;
remittance of the first and second loan required amounts within the loan limit to the account of the equipment and material company and the account of the subcontractor, respectively;
remittance of the remaining amount to the account of the subcontractor and the account of the equipment and material company after preempting interest for a preset period from the first required loan amount and the second required loan amount; and
When repaying the loan for the first and second loan requirements, a step of refunding a portion of the prepaid interest according to the repayment date to the account of the subcontractor and the account of the equipment and material company, respectively,
The account of the principal contractor and the account of the subcontractor are fixed accounts, which are accounts to which funds can flow only when a payment application is made through the payment confirmation server, and regardless of whether payment is requested through the payment confirmation server. It is divided into general accounts, which are accounts that can be moved,
The payment confirmation server remits the share of the principal contractor from among the funds deposited in the fixed account of the principal contractor to the general account of the principal contractor, and transfers the remaining amount to the fixed account of the subcontractor, and the funds deposited in the fixed account of the subcontractor Remit the share of the subcontractor to the general account of the subcontractor and transfer the remaining amount to the general account of the equipment and material company,
The payment confirmation server changes the fixed account of the subcontractor to a virtual account for redemption when the virtual account for redemption is notified from the financial server, and when the principal contractor deposits the ready-made money into the fixed account, the The amount corresponding to the first required loan amount and the second required loan amount is deposited into the virtual account for repayment, and the remaining amount is deposited into a new fixed account of the subcontractor.
How to get financial assistance for construction work.
According to claim 1,
When a loan agreement is received from a subcontractor that has signed a subcontract with the original subcontractor, the step of determining the loan limit for the subcontractor is
Inquiring a guarantee limit for the subcontractor to the guarantee institution server when the loan agreement is received; and
and receiving a notification of the guarantee limit from the guarantee institution server, and determining a loan limit for the subcontractor based on the notified guarantee limit.
3. The method of claim 2,
The step of receiving a notification of the guarantee limit from the guarantee institution server, and determining the loan limit for the subcontractor based on the notified guarantee limit,
Financial support method for construction work, comprising the step of receiving a notification of the guarantee limit after paying the guarantee fee to the account of the guarantee institution server.
According to claim 1,
The step of receiving the pre-approved details of the original contractor from the payment confirmation server
A financial support method for a construction project, comprising the step of receiving the completed approval details for the equipment material supplier's funds and the subcontractor's funds.
According to claim 1,
The step of receiving information on the first loan required amount from the subcontractor and receiving information on the second loan required amount from the equipment material company that has signed a subcontract contract with the subcontractor includes:
Inquire of the first and second loan required amounts to the subcontractor and a plurality of equipment and material companies through the payment confirmation server A financial support method for a construction project, comprising the step of inquiring the first and second loan required amounts.
According to claim 1,
Financial support method for construction work further comprising the step of notifying the subcontractor and the equipment and material company with information on the ready-made approval details when the ready-made approval details of the primary contractor are provided.
According to claim 1,
If the amount obtained by subtracting the first required loan amount from the loan limit is greater than the second loan required amount, the equipment material company is notified that the loan is possible, and the amount obtained by subtracting the first loan required amount from the loan limit is the above Financial support method for construction work further comprising the step of notifying the equipment material company that the loan is impossible when the second loan amount is less than the required loan amount.
According to claim 1,
The step of receiving information on the first loan required amount from the subcontractor and receiving information on the second loan required amount from the equipment material company that has signed a subcontract contract with the subcontractor includes:
A financial support method for a construction project, comprising the step of receiving information on the second loan required amount from a second equipment and material company after receiving information on the second loan required amount from the first equipment and material company.
9. The method of claim 8,
If the amount obtained by subtracting the first loan required amount from the loan limit is greater than the second loan required amount of the first equipment and materials company, the first equipment and materials company is notified that the loan is possible, and the first loan amount from the loan limit When the amount obtained by subtracting the loan required amount and the second loan required amount of the first equipment and materials company is less than the second required loan amount of the second equipment and materials company, notifying the second equipment and materials company that the loan is impossible A method of financial assistance for a construction project further comprising:
According to claim 1,
Receiving a loan application for the first loan required amount and the second loan required amount from the subcontractor
Financial support method for construction work comprising the step of receiving the loan application through the payment confirmation server.
According to claim 1,
Remittance of the first and second loan required amounts within the loan limit to the account of the equipment and material company and the account of the subcontractor, respectively
inquiring each account of the subcontractor and the equipment and material company through the payment confirmation server; and
Remitting the first loan required amount to the inquired account of the subcontractor, and remitting the second loan required amount to the inquired account of the equipment and materials company
How to get financial assistance for construction work.
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