KR20020016888A - Operating Method of Cyber-Gye by Using Internet - Google Patents

Abstract

PURPOSE: A method for operating a cyber benefit club using the Internet is provided to overcome the limit of traditional benefit clubs and to form a benefit club without a risk of contract nonfulfillment by involving a bank. CONSTITUTION: If contents about the operation of a benefit club are posted in a bank Internet homepage, each client accesses the homepage, selects the amount of money and a time suitable for him, and applies for membership in the benefit club. All the members of the benefit club, except for the last member who gets his loan, make out their loan application forms at the bank window and submit them. The bank withdraws relevant money from each member's account at the working day before the first payday and deposits it to the first member's account. For a defaulter, the bank makes a loan based on his loan application submitted previously.

Description

Operating Method of Cyber-Gye by Using Internet}

The traditional system is organized small and closed only by members of a limited community or relatives, and is operated only by credit between members, so the risk of contract execution is very high, and the private finance that has been used when power supply is needed shape

Overcoming these limitations of traditional systems, anyone can join the nationwide using the Internet, and can operate in a variety of forms in terms of amount and time, and can be configured in a form that benefits all members. With the involvement of banks, the company intends to present a new business model in the era of low interest rates and credit loans by creating a breakthrough cyber world without risk of contract execution.

In order to achieve this goal, it is inevitable to operate the system with the involvement of financial institutions, especially banks. Since banks received deposits and managed loans, their expected margins were the source of profits. However, since deposit rates have fallen drastically, surplus funds are flowing to real estate or stock markets rather than bank deposits, and mortgage loans are decreasing and credit loans are expanding. Loan insolvency has risen and lending margins have shrunk for a long time. In this financial environment, `` Cyber-based operation using the Internet '', which can reduce loan losses and get a certain fee, can be proposed as a new business model. The following example is given as a specific method of the system configuration of the content described in the technical problem to be achieved by the present invention.

[ Cyber prerequisites ]

Total employees: 5 people

Period: 5 months

Received amount: 6,000,005

Market credit rate: 11% per year

Market interest rate: 7% per year

Currency unit: KRW

<Monthly Payment and Receipt by Person in Charge>

division 1st round 2nd round 3rd round 4th round 5th round 6th round Total paid amount A 1,009,175 1,009,175 1,009,175 1,009,175 1,009,175 1,009,175 6,055,051 B 1,005,505 1,005,505 1,005,505 1,005,505 1,005,505 1,005,505 6,033,033 C 1,001,836 1,001,836 1,001,836 1,001,836 1,001,836 1,001,836 6,011,014 D 998,166 998,166 998,166 998,166 998,166 998,166 5,988,996 E 994,496 994,496 994,496 994,496 994,496 994,496 5,966,978 F 990,827 990,827 990,827 990,827 990,827 990,827 5,944,959 Receipt 6,000,005 6,000,005 6,000,005 6,000,005 6,000,005 6,000,005

<Compared to when F-member joins bank

division When signing up When joining this system Difference Monthly payment 990,827 990,827 - Total payments 5,944,959 5,944,959 - Pre-tax interest 20,332 55,044 +34,712 Interest after tax 16,977 55,044 +38,067 Actual receipt 5,961,572 5,999,639 +38,067

As can be seen from the comparison, the F-member can further benefit from 38,067 won by joining the cyber system.

<Compared to the case where member A has a credit loan from the bank>

division When lending When joining this system Difference First round self-procurement 1,09,175 1,009,175 Net loan (receipt) amount 4,990,830 4,990,830 Total Procurement (Payment) 6,000,005 6,055,051 Total interest (payment) 228,746 55,048 -173,698

As can be seen from the above comparison, by joining the cyber system, interest can be saved by 173,698 won.

[Cyber System Operating Procedures in Banks ]

Announcement of system operation on bank internet homepage

↓

Customers can access the homepage to determine the amount and timing

Select to apply (designate a deposit or withdrawal account)

↓

Notification of Completion of Configuration to Applicant's E-Mail Address

↓

All of the officers except the one who rides at the end (in the example above, F)

Loan for checking your real name and paying your monthly payment at the bank window

Complete and submit the application (2 business days prior to the start of the report)

↓

On the business day before the first payment date, the corresponding amount is

Withdraw and deposit to the designated account of the first employee on the following business day

↓

Unpaid individuals can borrow through CSS based on the loan application submitted.

Run to process

↓

Operate at credit rate until collection

First, in the low interest rate period, many customers may prefer to join as a financial product that is composed of deposits and loans, which are composed of profits higher than commercial bank interest rates and interest rates lower than credit loan rates. ) Can be operated

Second, if a bank employee makes a loan agreement in advance and does not pay it on a due date, the bank will be financed as a loan and enacted afterwards so that the members of the bank are completely free from the risk of non-compliance and can join the system with confidence. (契) Operable

Third, it is possible to operate a system where more people can participate by operating from a closed and limited traditional system organization to a national and open system.

Fourth, financial companies can become a business model that can generate new profits in the era of credit loans.

Claims (1)

As a way to overcome the limitations of traditional systems and to create a system that can be participated by all over the country and free from risk of contract failure, banks take the lead in forming various types of systems and using credit loans. By using the difference between interest rates and savings interest rates, and applying interest rates higher than those of commercial banks and loans lower than credit loans, the cyber system can attract many customers to participate in the cyber world. Configuration method and operation method using internet