KR102454174B1 - Method and apparatus of management a secured loan of valuable securities - Google Patents

Abstract

The present invention relates to a method and apparatus for managing a secured loan. In particular, the present invention relates to a loan condition manipulation method and visualization method of a conditional autonomous secured loan in a secured loan, and a loan management system supporting the same.
According to an embodiment of the present invention, the borrower can freely set loan conditions such as a loan to value (LTV), a reverse trading rate, and an interest rate when performing a secured loan. According to an embodiment of the present invention, the borrower can freely set loan conditions such as the loan to value (LTV), the opposite sale rate, and the interest rate through the screen visualized on the personal mobile device when executing the mortgage loan. .

Description

Loan condition manipulation method, visualization method and loan management system of conditional autonomous secured loan

The present invention relates to a method and apparatus for managing a secured loan. In particular, the present invention relates to a loan condition manipulation method and visualization method of a conditional autonomous secured loan in a secured loan, and a loan management system supporting the same.

Recently, various financial loan techniques have been developed using a peer-to-peer (P2P) system outside of the central server. In this regard, in general, the securities-secured loan process will be described with reference to FIG. 1 .

Here, in this specification, the term 'security' is used in a broad sense including not only capital securities such as stocks, public bonds or debentures, but also monetary securities including cryptocurrency. However, for convenience of explanation, the present invention is intended to be described as a main example of a security, but the present invention is not limited thereto.

Accordingly, the present invention is equally applicable to not only securities secured loans but also real estate secured loans and credit secured loans.

1 is a diagram illustrating, for example, a flow chart of a conventional general securities-secured loan service. In the conventional loan service by a company that runs a financial business including P2P service (collectively, the 'financial institution 30') When a loan application is received (11), a process (12) of approving or rejecting the request through a loan review is performed. Here, the approved loan request is referred to as an 'approved product'.

Thereafter, investors for the approved product are recruited from customers (investors) holding cash. However, investors may be recruited prior to applying for a loan. When the loan review is approved, a loan contract is established (13), and the financial institution 30 evaluates whether the value of the collateral has declined even after the loan contract is established (14), and when the value of the collateral falls below a set standard , the loan contract is canceled and settled through automatic counter-trading (15). Alternatively, if the value of the collateral is maintained within the loan validity period, settlement is performed after the loan period expires and is terminated (15).

That is, in a conventional secured loan contract, a collateral loan is performed according to the value of the collateral at the time of the contract, but if the value of the collateral falls to a certain level, in order to recover the loan principal, the loan principal is forcibly recovered through automatic counter-trading. .

Therefore, as the conventional securities-backed loan method mainly deals with loan products according to fixed loan conditions, there is a problem in that the loan borrower lacks a free choice suitable for his/her circumstances. In addition, the conventional securities-secured loan method concentrates management techniques only on the mechanical recovery of the loan principal, making it impossible to accurately evaluate the value of collateral, and the risk of securing the principal after contract termination rather than the technique of maintaining the contract by maintaining collateral power There was a problem that only the management method was highlighted. In addition, there was a problem in that there is no accurate evaluation method for collateral other than the collateral provided by the borrower, so it is not possible to present a method for maintaining collateral power.

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Korean Patent Publication No. 10-2020-0081897 (published on July 8, 2020)

Accordingly, an object of the present invention is to provide a secured loan management method and a loan management system that propose a method for maintaining collateral power in order to solve the problems of the prior art.

In addition, it is an object of the present invention to develop a conditional autonomous financial product in which a borrower can freely set loan conditions in a secured loan contract, and a manipulation method and visualization method for the borrower's understanding and convenience of use, and loan management supporting the same We want to provide a system.

Other objects and advantages of the present invention may be understood by the following description, and will become more clearly understood by the examples of the present invention. Further, it will be readily apparent that the objects and advantages of the present invention can be realized by the means and combinations thereof indicated in the claims.

In order to achieve the above object, the method for managing a secured loan of the present invention includes a method of manipulating and visualizing condition of a conditional autonomous secured loan, in which a borrower can determine the loan condition by herself when executing a secured loan service.

In addition, in order to achieve the above object, the secured loan management system of the present invention provides a loan condition manipulation method and visualization method of a conditional autonomous secured loan, in which the borrower can determine the condition by himself/herself when the secured loan service is executed It includes a loan server, and a terminal for implementing a method of manipulating loan conditions and a visualization method of the secured loan.

In the method for manipulating and visualizing loan conditions of conditional autonomous secured loan according to an embodiment of the present invention, when the secured loan service is executed, the borrower may change the loan condition, and the changed loan condition may be visualized and displayed through the display device.

In one embodiment, the loan condition may include one or more of a loan ratio, an interest rate, and a counter sale rate.

In one embodiment, when one of the loan ratio, interest rate, and reverse transaction rate is changed, it may be characterized in that only one of the other two is changed.

In one embodiment, the visualization of the changed loan conditions displayed through the display device is a mark capable of adjusting one or more of the loan ratio, interest rate, and counter sale rate is displayed through the display device, the loan ratio, interest rate and When one or more of the counter-trading rates are adjusted using the above indicator, one or more of the remaining ones that are not adjusted are changed to a numerical value calculated using a conditional autonomous mortgage loan valuation model and displayed through the display device. can

In an embodiment, the visualization through the display device may be characterized in that it is displayed through a chart including one or more of the loan ratio, interest rate, and counter sale rate of the loan condition.

A loan management system according to an embodiment of the present invention includes: a loan server that allows the borrower to change loan conditions and visualize the changed loan conditions when the secured loan service is executed; And it may include a terminal for changing the loan conditions and displaying the result of visualizing the changed loan conditions.

In one embodiment, the loan condition may include one or more of a loan ratio, an interest rate, and a counter sale rate.

In one embodiment, when one of the loan ratio, interest rate, and reverse transaction rate is changed, it may be characterized in that only one of the other two is changed.

In one embodiment, the visualization of the changed loan conditions displayed through the display device of the terminal is a mark capable of adjusting one or more of the loan ratio, the interest rate, and the reverse sale rate is displayed through the display device, the loan ratio, When one or more of the interest rate and the counter sale rate is adjusted using the above marker, at least one of the remaining unadjusted is changed to a value calculated using the conditional autonomous mortgage loan valuation model and displayed through the display device can be done with

In an embodiment, the visualization through the display device may be characterized in that it is displayed through a chart including one or more of the loan ratio, interest rate, and counter sale rate of the loan condition.

According to an embodiment of the present invention, the borrower is able to freely set loan conditions such as a loan to value (LTV), a reverse trading rate, and an interest rate when executing a secured loan.

According to an embodiment of the present invention, the borrower can freely set loan conditions such as the loan to value (LTV), the opposite sale rate, and the interest rate through the screen visualized on the personal mobile device when executing the mortgage loan. .

According to an embodiment of the present invention, when the borrower changes the loan conditions such as the loan to value (LTV), the opposite sale rate, and the interest rate, the change of the unchanged item associated with the changed item is also visualized and displayed at the same time, so that the borrower can visually This can help you determine loan conditions easily while checking the changes in loan conditions in real time.

1 shows a flow chart of a conventional general securities-secured loan.
2 to 8 are diagrams for explaining a loan condition manipulation method and a visualization method of a conditional autonomous secured loan according to an embodiment of the present invention.
9 is a view for explaining a loan management system according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those of ordinary skill in the art to which the present invention pertains can easily implement them. However, the present invention may be embodied in various different forms and is not limited to the embodiments described herein.

In describing an embodiment of the present invention, if it is determined that a detailed description of a well-known configuration or function may obscure the gist of the present invention, a detailed description thereof will be omitted. And, in the drawings, parts not related to the description of the present invention are omitted, and similar reference numerals are attached to similar parts.

In the present invention, the components that are distinguished from each other are for clearly explaining each characteristic, and do not necessarily mean that the components are separated. That is, a plurality of components may be integrated to form one hardware or software unit, or one component may be distributed to form a plurality of hardware or software units. Accordingly, even if not specifically mentioned, such integrated or dispersed embodiments are also included in the scope of the present invention.

In the present invention, components described in various embodiments do not necessarily mean essential components, and some may be optional components. Accordingly, an embodiment composed of a subset of components described in one embodiment is also included in the scope of the present invention. In addition, embodiments including other components in addition to the components described in various embodiments are also included in the scope of the present invention.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.

First, the terms disclosed in the present invention will be described as follows.

In the present invention, 'conditional autonomous secured loan' refers to a loan product in which the borrower can freely set the loan conditions of the loan to value (LTV), reverse trade rate, and interest rate when lending with assets as collateral. .

Here, according to the loan conditions adjusted by the borrower, the loan conditions not adjusted by the borrower are changed in order to eliminate the risk burden of the borrower who lends the funds.

In relation to the above, factors that the borrower can adjust in the conditional autonomous secured loan may be a loan ratio, a counter sale ratio, an interest rate, and the like. The borrower calculates the remaining loan conditions according to the loan conditions adjusted by the borrower.

At this time, the remaining loan conditions are determined by the conditional autonomous secured loan valuation model. For example, when the loan ratio is adjusted, the reverse loan ratio is calculated, when the interest rate is adjusted, the loan ratio is calculated, and when the reverse loan ratio is adjusted, the loan ratio calculation is newly performed. For the conditional autonomous secured loan valuation model, the financial model/formula existing in financial engineering can be applied.

Unlike the existing secured loan, the above-mentioned autonomous secured loan requires a guide on loan conditions because the borrower can directly adjust the loan conditions.

As an example, as a method for the borrower to manipulate the loan conditions of the conditional autonomous secured loan, a slide bar form in the mobile terminal screen may be considered. Here, the slide bar is a horizontal or vertical long line, and there is a mark for indicating loan conditions, and the borrower can operate it by moving the mark left and right or up and down.

In addition, as an example, a triangular radar chart may be considered as a visualization technique for helping to understand stability, profitability, etc. for conditional autonomous mortgage loans.

The changed loan conditions and the calculated loan conditions on the slide bar are visualized through a triangular radar chart to help borrowers understand. For example, the triangular radar chart is a graph in which the dot product is the origin and the vertex of an equilateral triangle is the maximum value, and three numerical values may be represented as a graph.

Here, the loan ratio of the conditional autonomous loan and the interest rate counter-sales ratio are set as three input variables. The lower the value of the input variable, the closer to the origin, and the higher the value, the closer to the vertex of the triangle. This will be described later in detail.

Next, the 'conditional autonomous secured loan method' will be described in detail.

Unlike existing secured loan products, the conditional autonomous secured loan product allows borrowers to autonomously select the conditions for the loan product. There are 'loan ratio', 'counter selling rate' and 'interest rate' that the borrower can adjust in the conditional autonomous secured loan, and the details are as follows.

For example, the 'loan ratio' can be defined as meaning the ratio of the loanable amount to the value of the loan collateral. The 'counterfeiting rate' can be defined as the ratio that serves as a standard for collateral liquidation in order to prevent loss of principal and interest in the loan due to a decrease in the value of collateral. In addition, the 'interest rate' may be defined as meaning an annual interest rate of interest that the borrower has to pay, for example, monthly on the executed loan. There are no restrictions on the payment period and method of interest rate (cash or in kind, etc.).

The loan conditions that the borrower can select are the loan to value (LTV), the reverse trade rate, and the interest rate. However, if the borrower changes one of the three conditions, one or more of the other two conditions may change. Since there is difficulty, in the present invention, when one of the three loan conditions that the borrower can change is changed, only one of the other two is changed so that the borrower can more easily set the loan conditions.

Conditions that are changed by the borrower's choice are calculated by the conditional autonomous mortgage value determination model.

For example, the conditional autonomous mortgage product model calculates optimized variable values based on the equilibrium condition between borrowers and borrowers. The characteristics of the secured loan, in which the loan is liquidated at the opposite sale price, is similar to the structure in which the option right is extinguished when the asset price falls below a certain amount (Barrier).

Next, the 'Conditional Autonomous Mortgage Loan Value Determination Model' will be described in detail.

When the borrower adjusts at least any one of the loan ratio, interest rate, and counter sale rate, the loan conditions that can minimize the risk of the borrower supplying funds must be recalculated. To calculate the loan conditions, a conditional autonomous secured loan value determination model is used.

Conditional Autonomous Mortgage Loan Value (F) is determined as a function of collateral asset price, loan amount, loan term, risk-free rate, interest payment, and down and out call barrier option price.

The following factors should be considered in the down and out call barrier option price (C).

1. The value or price of the collateral asset (the value of the underlying asset of the option)

2. Loan Period (Option Expiration Period)

3. Risk-free interest rate

4. Volatility of return on collateralized assets (Volatilities of return on underlying assets)

5. Loan amount (= loan ratio × collateral asset price ) (exercise price)

6. Counter-trading price (= counter-trading rate × collateral asset price) (barrier)

Variables in option theory are in parentheses.

The financial formula existing in the existing financial engineering can be applied to the value (F) of the autonomous secured loan and the price of the down and out call barrier option (C).

Next, with reference to FIG. 2, the 'optimal loan conditions' will be described in detail.

In order to determine the optimal loan conditions that both borrowers and borrowers are satisfied with, it is necessary to satisfy the equilibrium condition in which the value obtained by the borrower and the borrower of the conditional autonomous secured loan is equal. Therefore, it is necessary to calculate the equilibrium condition in which the value of the conditional autonomous secured loan is neither positive (+) nor negative (-), but zero (0) in the three loan conditions of each loan ratio, interest rate, and counter sale rate.

For example, the correlation between each loan condition can be defined as follows. However, this corresponds to one example, and other embodiments are possible.

For example, the following loan conditions may have a positive (+) correlation with each other. When the loan ratio increases, the interest rate increases, and when the loan ratio increases, the reverse trade ratio increases. When the counter-trading ratio increases, the loan ratio increases, and when the counter-trading ratio increases, the interest rate increases. When the interest rate increases, the loan ratio increases, and when the interest rate increases, the reverse trade ratio increases. The loan ratio, counter-trading ratio, and interest rate of the loan conditions can be changed within a specific range of values, respectively.

As described above, if one of the loan ratio, counter-trading rate, and interest rate is changed, the other two may also be changed. When this is changed, the counter sale rate is changed, and when the counter sale rate is changed, the loan interest rate can be changed. This is because, when the borrower changes the loan ratio, it is difficult to determine the loan conditions if the reverse sale rate and the interest rate change at the same time.

Next, with reference to FIG. 3, the risk management of the conditional autonomous secured loan value determination model will be described in detail.

By calculating the loan conditions of the conditional autonomous secured loan, it is possible to determine the loan amount level, interest level, and counter sale level to protect the borrower who lends money to the borrower. For example, the level of counter sale (collateral value × counter sale rate) should exceed the loan amount (collateral value × loan ratio) and interest (loan amount × interest rate).

As shown in the graph below, as shown in Fig. 3, the higher the loan ratio (x-axis) and the higher the interest rate, the larger the gap between the reverse trade rate and the interest rate.

Next, with reference to FIG. 4, the loan condition manipulation method of the conditional autonomous secured loan product will be described in detail.

For conditional autonomous secured loan products, since the loan conditions are determined through the calculation of the conditional autonomous secured loan value determination model, a manipulation method that allows borrowers to easily manipulate the loan conditions and check the calculated conditions is required.

As a method for the borrower to manipulate the loan conditions of the conditional autonomous secured loan product, it may be performed, for example, in the form of a slide bar as shown in FIG. 4 . However, FIG. 4 only shows an example of a slide bar, and the present invention is not limited thereto, and may be configured with various types of slide bars or numerical input windows.

In the slide bar type, the borrower can manipulate the level of loan conditions larger or smaller by operating left and right, and depending on the loan product, the borrower can set the upper and lower limits of the loan conditions that can be manipulated.

In addition, the slide bar is a horizontal or vertical long line (line), there is a mark for indicating loan conditions, and the borrower can operate the mark by moving the mark left and right or up and down. Adjusting the loan conditions through the slide bar will be described as an example.

1. Adjustment of loan ratio

The loan ratio adjustment slide bar has a range of 0% to 100%, and the loan ratio indicator (the circle on the slide bar) should always be lower than the counter sale rate indicator. When the borrower adjusts the loan ratio by moving the marker on the loan ratio slide bar, the interest rate slide bar is adjusted according to the interest rate calculated through the conditional autonomous secured loan value determination model.

2. Interest rate adjustment

The interest rate slide bar has a range of 0% to 24%, and the upper limit is 24% according to the upper limit of the loan interest rate. The upper limit of the interest rate may be changed according to the change of the upper limit of the loan interest rate cap regulation.

When the borrower adjusts the interest rate by moving the marker on the interest rate slide bar, the counter sale rate slide bar is adjusted according to the counter sale rate calculated through the conditional autonomous mortgage value determination model.

3. Adjustment of the opposite-sell ratio

The counter sale rate slide bar has a range of 0% to 100%, and the counter sale rate indicator should always be higher than the loan ratio indicator. When the borrower adjusts the reverse sale rate by moving the marker on the reverse sale rate slide bar, the loan rate slide bar is adjusted according to the loan interest rate calculated through the conditional autonomous secured loan value determination model.

As for the range of the loan ratio slide bar, the range of the slide bar of the loan ratio may be pre-adjusted according to the institution that executes the loan execution.

Next, with reference to FIG. 5, the visualization effect of the conditional autonomous mortgage loan will be described in detail.

A visualization tool is needed to help borrowers and borrowers to compare and understand the loan conditions of conditional autonomous secured loans. A chart may be used as a visualization tool, and a triangular radar chart may be used as an example, but is not limited thereto.

The triangular radar chart visualizes the changed loan conditions and the calculated conditions on the slide bar, making it easier to understand the borrowers' changes in loan conditions. The operation method of the triangular radar chart is as follows.

The triangular radar chart is a graph with the dot product as the origin and the vertex of an equilateral triangle as the maximum value. Here, the loan ratio, interest rate, and counter-trafficking rate of the conditional autonomous loan are set as three input variables.

The lower the value of the input variable, the closer to the origin, and the higher the value, the closer to the vertex of the triangle.

1. When the borrower adjusts the loan ratio slide bar to adjust the loan ratio conditions

In the triangular radar chart, the existing loan ratio value is adjusted to the loan ratio adjusted by the borrower, and when the counter sale rate is calculated through the borrower's calculation, the existing interest rate value is adjusted to the calculated interest rate value.

2. When the borrower adjusts the interest rate slide bar to adjust the interest rate conditions

In the triangular radar chart, the existing interest rate value is adjusted to the borrower's adjusted interest rate value, and when the counter sale rate is calculated through the borrower's calculation, the existing counter sale rate value is adjusted to the calculated counter sale rate value.

3. When the borrower adjusts the reverse trading rate slide bar to adjust the reverse trading rate conditions

On the triangular radar chart, the existing counter-sales ratio is adjusted to the borrower-adjusted counter-sales ratio, and when the loan ratio is calculated through the borrower's calculation, the existing loan ratio is adjusted to the calculated loan ratio.

6 illustrates an example of implementing the conditional autonomous secured loan method of the present invention through a borrower terminal. The borrower realizes the loan service by downloading the homepage or app of the company that supports the conditional autonomous secured loan according to the present invention through the personal terminal of the borrower. In this case, it is possible for the borrower to determine the conditions for himself in the order of “collateral type”, “collateral condition” and “loan condition”.

For example, the borrower terminal may be provided with the slide bar of FIG. 4 and/or the triangular radar chart of FIG. 5, and the borrower may determine loan conditions therefrom.

7 to 8 show an example in which the conditional autonomous mortgage loan method of the present invention is implemented in artificial intelligence (AI). For example, the conditional autonomous mortgage loan value determination model described above may be implemented by artificial intelligence (AI).

Referring to FIG. 9 , the loan management system 1000 according to an embodiment of the present invention provides a loan server 100 that allows a borrower to change loan conditions and visualizes the changed loan conditions when a secured loan service is executed and the loan conditions and may include a terminal 200 for displaying the result of visualizing the changed loan conditions.

The loan server 100 may include a calculator (not shown) that calculates so that the borrower changes the loan conditions and visualizes the changed loan conditions. The calculation unit visualizes the calculated result and the calculated result through the conditional autonomous secured loan value determination model based on the loan conditions (loan ratio, reverse sale rate, interest rate) changed by the borrower through the terminal 200 .

Also, the loan server 100 may allow the terminal 200 to provide an input means for allowing the borrower to change loan conditions.

The terminal 200 may allow the borrower to change loan conditions through an input unit (not shown), and may display a visualization result visualized through the loan server 100 through the display device.

The loan condition manipulation method and visualization method of the conditional autonomous secured loan are implemented through the loan server 100 and the terminal 200, and the implementation details are the same as those described above, so a detailed description will be omitted.

Various embodiments of the present disclosure do not list all possible combinations, but are intended to describe representative aspects of the present disclosure, and matters described in various embodiments may be applied independently or in combination of two or more.

In addition, various embodiments of the present disclosure may be implemented by hardware, firmware, software, or a combination thereof. For implementation by hardware, one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), Programmable Logic Devices (PLDs), Field Programmable Gate Arrays (FPGAs), general purpose It may be implemented by a processor (general processor), a controller, a microcontroller, a microprocessor, and the like.

The scope of the present disclosure includes software or machine-executable instructions (eg, operating system, application, firmware, program, etc.) that cause an operation according to the method of various embodiments to be executed on a device or computer, and such software or and non-transitory computer-readable media in which instructions and the like are stored and executed on a device or computer.

The present invention described above can be various substitutions, modifications, and changes within the scope without departing from the technical spirit of the present invention for those of ordinary skill in the art to which the present invention pertains, so the scope of the present invention is not limited to the above. It is not limited by one embodiment and the accompanying drawings.

1000: loan management system
100: loan server 200: terminal

Claims (10)

delete delete delete delete delete a loan server that allows the borrower to change loan conditions and visualize the changed loan conditions when the secured loan service is executed; and
and a terminal for changing the loan condition and displaying the result of visualizing the changed loan condition,
The loan conditions include at least one of a loan rate, an interest rate, and a counter sale rate,
In order for the borrower to easily set the loan conditions, when one of the loan ratio, the interest rate and the reverse sale rate is changed, only one of the other two is changed, the loan management system.
delete delete 7. The method of claim 6,
Visualization of the changed loan conditions displayed through the display device of the terminal,
A mark capable of adjusting one or more of the loan rate, interest rate, and counter sale rate is displayed through the display device,
When one or more of the loan ratio, interest rate, and counter sale rate is adjusted using the above marker, at least one of the remaining unadjusted values is changed to a value calculated using the conditional autonomous secured loan valuation model, and through the display device Characterized in that displayed, loan management system.
10. The method of claim 9,
Visualization through the display device,
Loan management system, characterized in that it is displayed through a chart including one or more of the loan ratio, interest rate, and reverse sales rate of the loan conditions.

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