KR20040069546A - Method and system of automatically lending out uncollected amount of stocks trading - Google Patents

Abstract

PURPOSE: A method and a system for automatically lending out an uncollected amount of a stock trade are provided to apply for a loan by offering the stocks as a security corresponding to the uncollected amount when a stock investor wants to hold the stocks bought by an uncollected amount form. CONSTITUTION: A stock investor terminal(10) buys and sells the stocks. A security company server(20) verifies the loan for the stocks bought by the stock investor in the uncollected amount form, calculates an evaluated amount by daily evaluating the price of the stocks offered as the security, and repays the principal and the interest of the loan with the stock selling amount in the first place. A loan relay system(30) verifies the loan and calculates a loan limit by evaluating the stocks, and transfers the loan corresponding to the uncollected amount to a security company. A banking institution(40) lends out the amount corresponding to the uncollected amount of the stock investor.

Description

METHOD AND SYSTEM OF AUTOMATICALLY LENDING OUT UNCOLLECTED AMOUNT OF STOCKS TRADING}

The present invention relates to an automatic loan method and system for receivables of stock transactions that automatically loans receivables generated during stock purchase transactions.

Conventionally, the method of buying stocks through securities trading involves investing 100% of the stock investor's funds, buying up to 5 times the stock investor's funds using receivables, and providing the securities firms' credit (loan by agreement). There are three types of methods.

Among these, receivables can be used by stock investors who are somewhat short of funds. When a stock investor buys stocks, he can buy up to five times the stock price. However, if a stock investor buys stocks in receivables and does not pay the receivables within a certain period of time (for example, three days), the securities firm will be forced to sell the receivables at the lower limit. do.

Thus, if the stock price of a stock invested by a receivable investor continues to rise, the investor wants to continue to hold the repurchased stock, but if it fails to pay the receivable within a certain period, the stock is forced. There is an issue that is marketed.

In addition, when a stock investor wants to keep holding the stock price of the receivables, the stock investor receives a loan from a financial institution in a different name and uses it to invest in stock trading. In such cases, however, the equity investor must have a security or guarantor or, in the case of unsecured financial institutions, the financial institution must evaluate the credit status of the equity investor. Even so, it is not always necessary to make a profit through stock trading. If the stock price of the stock investor continues to fall, the stock investor loses both the principal and the loan, There is a problem that it is unclear to recover this.

Therefore, the present invention has been made to solve the above problems, when the stock investor wants to continue to hold the stock purchased by receivables, the stock transaction receivables to secure the stock corresponding to the receivables of the stock investor Its purpose is to provide automatic loan method and system.

In addition, the present invention evaluates the stock price of the stock investor received the receivable loan daily, and if the valuation amount of this stock is less than the loan corresponding to the receivables, forcibly sells the stock of the investor who received the receivable loan It is an object of the present invention to provide a method and system for automatic loan receivable of stock trading.

1 is a block diagram schematically illustrating an automatic loan system for a stock transaction receivable according to an embodiment of the present invention.

Figure 2 is a flow diagram schematically showing the operation of the automatic loan system for receivables of stock trading according to an embodiment of the present invention.

Figure 3 is a flow chart illustrating in detail the operation of the stock investor purchases stocks in receivables, and applying for a loan as collateral for the receivables in accordance with an embodiment of the present invention.

4 is a view illustrating in detail an operation of applying a loan amount to a loaned stock investor to verify whether a loan is applied to a loaned stock investor according to an embodiment of the present invention to cover receivables. Flowchart.

Figure 5 is a flow chart illustrating in detail the operation of the step of evaluating the stock price of the corresponding stock of the investors who received the receivable loan in accordance with an embodiment of the present invention to calculate the valuation amount and sell the stock in detail.

Figure 6 is a flow chart illustrating in detail the operation of the step of repaying the loan and interest as a stock selling price in accordance with an embodiment of the present invention and transmitting the repayment confirmation information to the terminal of the stock investor receiving the receivable loan.

* Description of the symbols for the main parts of the drawings *

10: terminal 20: brokerage company server

30: loan relay system 40: financial institutions

In order to achieve the above object, the present invention is an automatic loan method for the receivables of stock trading: a loan for stocks purchased by the equity investors receivables as collateral, evaluating the stocks to verify the loan availability and calculate the loan limit The loan shall be made to the receivables by loaning the amount requested by the stock investor within the limit, using the stock as collateral.

In addition, the automatic loan method of the stock transaction receivables comprises the steps of a stock investor buying a stock in receivables using a terminal, and applying for a loan as the collateral; Evaluating the stock to verify whether the loan is possible, calculating the loan limit, and loaning an amount applied by the stock investor within the loan limit to cover the receivables by using the stock as collateral; Evaluating the stock price of the stock to calculate an valuation amount and selling the stock; And repaying the loan and interest of the stock investor with the stock selling price for selling the stock, and transmitting repayment confirmation information to the terminal of the stock investor.

The present invention also provides an automatic loan system for receivables for stock trading: a terminal for buying and selling stocks; Verifies whether the stock investor who has bought the stocks by the receivable method is available for loan, evaluates the stock price of the stock secured by the stock investor daily, and calculates the valuation amount, and the loan amount and interest of the stock investor as the selling amount of the stock. A securities firm server that preferentially repays; A loan relay system evaluating whether the loan is available by evaluating the stock, calculating a loan limit, remitting a loan corresponding to a receivable of the stock investor to a securities company, and performing a loan relay service for transferring the loan; And a financial institution lending the amount corresponding to the receivables of the stock investor.

EMBODIMENT OF THE INVENTION Hereinafter, the Example of this invention is described in detail, referring drawings.

1 is a block diagram schematically showing an automatic loan system of stock transaction receivables according to an embodiment of the present invention.

In FIG. 1, an automatic loan system for stock receivables includes a terminal 10, a securities firm server 20, a loan relay system 30, and a financial institution 40.

The stock investor accesses the securities firm server 20 using the terminal 10. In this case, the terminal 10 is a terminal provided with a dedicated emulator, and is a computer (not shown) and / or a mobile communication terminal (for example, a mobile phone, a PDA, etc.), and a stock investor uses a computer to establish a securities firm server 20. ) And a wireless connection to the securities firm server 20 using a mobile communication terminal.

The stock investor connects to the securities firm server 20 using the terminal 10 and purchases the stock in various ways. For example, a stock investor may invest 100% of a stock investor's funds, buy up to five times the funds of a stock investor using receivables, or a securities firm's credit (loan by contract). You can buy.

When a stock investor buys stocks in a receivable manner, the display window of the stock investor's terminal 10 shows a loan application (e.g., three days) for which a loan corresponding to the receivables of the stock investor can be borrowed. Not displayed) is displayed. Equity investors can expect a rise in stocks bought in receivables, and if they fill out a loan application, they will be able to borrow money receivable.

In this embodiment, the stock investor applies for loans on the entire receivables, but is not limited thereto. For example, a stock investor may apply for a loan on a portion of the receivables, and may make the counterpart of the receivables after a period of time reverse trading (forced selling).

The securities firm server 20 verifies the information of the stock investor who applied for the loan and whether the loan is possible, and then requests the loan to the loan relay system 30. In addition, after automatically arranging the receivables of the stock investor applying for a loan using the loan remitted from the loan relay system 30, the loan result information is transmitted to the terminal 10 of the stock investor.

In addition, the securities firm server 20 evaluates the stock price of the stock investor's stock purchased as a loan daily to calculate the valuation amount. At this time, as an example of the evaluation amount calculation method, there is a method of calculating the evaluation amount by (the previous day closing price-(the previous day closing price * constant ratio)). Here, the predetermined ratio is 15% in the case of the stock exchange, and 12% in the case of the KOSDAQ, but is not limited thereto, and may be any value. In this embodiment, the evaluation amount is calculated as (the previous day closing price-(the previous day closing price * constant ratio)), but is not limited thereto. The securities firm server 20 compares the valuation amount with the loan amount, and if the valuation amount is less than the loan amount, the next day's reverse trading (forced sale) to exercise the security right by the agreement with the financial institution 40 which received the receivable loan. Is done.

Moreover, when a stock investor who has received a receivable loan sells the corresponding stock and the stock selling price is received, the securities firm server 20 preferentially repays the loan and interest, and the securities firm server 20 is the stock investor who has completed the repayment of the loan. Send the loan and interest repayment completion information to the terminal.

In the loan relay system 30, when there is a loan request from the securities firm server 20, a stock institution purchased by the securities investor who has applied for a loan is evaluated by checking whether the loan is possible, and after calculating a loan limit, a financial institution ( 40) ask for loan approval.

In addition, when the loan is approved by the financial institution 40, the loan relay system 30 transfers the loan corresponding to the receivables of the stock investor to the securities company. In addition, the loan relay system 30 transmits the loan result information to the terminal 10 of the stock investor who applied for a loan.

In addition, the loan relay system 30 transfers the corresponding amount to the financial institution 40 when the loan payment is repaid from the securities firm server 20.

In addition, the loan relay system 30 receives the confirmation information on the loan and interest deposits transmitted from the financial institution 40, and transmits the deposit confirmation information to the securities company server 20. In addition, the loan relay system 30 transmits the loan repayment information to the terminal 10 of the stock investor.

In this way, the loan relay system 30 performs a loan relay service, thereby generating revenue corresponding to the fee.

After reviewing the loan approval request from the loan relay system 30, the financial institution 40 transmits loan approval or rejection information to the loan relay system 30.

In addition, the financial institution 40 transfers the loan information corresponding to the receivables of the stock investor who received the receivable loan and the interest from the loan relay system 30 to the loan relay system 30. do.

2 is a flowchart schematically illustrating an operation of an automatic loan system for a stock transaction receivable according to an embodiment of the present invention.

In FIG. 2, a stock investor connects to a securities company server (see FIG. 1; 20) by using a terminal (see FIG. 1; 10) and buys stocks in receivables, and loans the stocks bought in the receivables as collateral. Apply for (S100). This step S100 will be described in more detail with reference to FIG. 3.

In step S200, the stock investor who has applied for a loan and verifies the information and whether or not the loan is possible, and applied for a loan through the loan relay system (see FIG. 1; 30) and a financial institution (see FIG. 1; 40). Loan the amount of the receivables to the bank to cover the receivables. This step S200 will be described in more detail with reference to FIG. 4.

In step S400, the stock price of the stock investor who received the receivable loan is evaluated every day to calculate the valuation amount, and the corresponding stock of the stock investor who has received the receivable loan is sold. This step S400 will be described in more detail with reference to FIG. 5.

In step S500, the loan is repaid and the interest according to the price of selling the stock, and the repayment confirmation information is notified to the terminal of the investor of the receivables. This step S500 will be described in more detail with reference to FIG. 6.

3 is a flowchart illustrating in detail an operation of a stock investor buying a stock in receivables and applying for a loan as a collateral in the receivables according to an embodiment of the present invention.

In FIG. 3, the stock investor purchases the stocks by receivable method by accessing the securities firm server (see FIG. 1; 20) using the terminal (see FIG. 1; 10) (S110).

In step S120, the securities firm server (refer to FIG. 1; 20) corresponds to the receivables of the stock investor who purchased the stocks by receivable on the display window of the terminal of the stock investor who purchased the stock by the receivable method (see FIG. 1; 10). Display the loan application to receive the loan amount.

In step S130, the securities firm server (see FIG. 1; 20) identifies whether a stock investor who has bought the stock in a receivable manner applies for the loan as the collateral, and if the stock investor applies for a loan, the next step. (Step S210 (see Fig. 4)) is performed.

If the stock investor who bought the stock in the receivable manner in step S130 does not apply for a loan, the securities firm server (see FIG. 1; 20) in step S140 determines whether the stock investor who bought the stock in the receivable manner pays the receivables. If this stock investor has not paid the receivable, the securities firm server (see FIG. 1) 20 identifies whether a certain period (eg, 3 days) has elapsed.

If a certain period has not elapsed in step S150, the process returns to step S120, and if a predetermined period has elapsed in step S150, the securities firm server (see FIG. 1) 20 in step S160 reverses the next day of the corresponding stock of the stock investor. Sale (forced sale) is performed.

4 is a view illustrating in detail an operation of applying a loan amount to a loaned stock investor to verify whether a loan is applied to a loaned stock investor according to an embodiment of the present invention to cover receivables. It is a flow chart.

In FIG. 4, the securities firm server (see FIG. 1) 20 checks the customer information of the stock investor who applied for the loan (S210) and identifies whether to approve or reject the loan application of the stock investor (S220).

If the loan application is rejected in step S220, in step S390, the securities company server (see FIG. 1; 20) transmits the loan rejection information to the terminal of the stock investor who applied for the loan (see FIG. 1; 10).

If the loan application is approved in step S220, in step S310, the brokerage company server (see FIG. 1; 20) requests a loan to the loan relay system (see FIG. 1; 30).

In step S320, the loan relay system (see FIG. 1; 30) evaluates the stock secured by the stock investor who applied for the loan, verifies whether the loan is available, and calculates the loan limit, and in step S330, the loan relay system (FIG. 1) 30) transmits the loan application information of the stock investor who applied for the loan to the financial institution (see FIG. 1; 40) and requests a loan approval.

In step S340, the financial institution (see FIG. 1; 40) reviews the loan approval request sent from the loan relay system (see FIG. 1; 30), and sends the loan approval information to the loan relay system (see FIG. 1; 30). ).

In step S350, the loan relay system (see FIG. 1; 30) transfers the loan corresponding to the receivable of the stock investor who applied for a loan within the loan limit to the securities company, and in step S360 the loan relay system (see FIG. 1; 30) transmits the loan approval information to the terminal of the stock investor who applied for a loan (see Fig. 1; 10).

In step S370, the brokerage firm server (see FIG. 1; 20) arranges the receivables of the stock investor who applied for a loan using the loan remitted from the loan relay system (see FIG. 1; 30), and in step S380 (See FIG. 1; 20) transmits the loan result to the terminal of the stock investor who applied for the loan (see FIG. 1; 10).

5 is a flowchart illustrating in detail the operation of the stock price of the stock investor who received the receivable loan in accordance with an embodiment of the present invention to calculate the valuation amount and sell the stock in detail.

In FIG. 5, the securities firm server (see FIG. 1) 20 identifies whether a stock investor who has received a receivable loan sells the corresponding stock (S410).

If the stock investor who has received the receivable loan in step S410 does not sell the corresponding stock, the securities firm server (see FIG. 1; 20) in step S420 evaluates the stock price of the corresponding stock of the investor who received the receivable loan daily, and the valuation amount. To calculate. At this time, as an example of the evaluation amount calculation method, there is a method of calculating the evaluation amount by (the previous day closing price-(the previous day closing price * constant ratio)). Here, the predetermined ratio is 15% in the case of the stock exchange, and 12% in the case of the KOSDAQ, but is not limited thereto, and may be any value.

When the stock investor who has received the receivable loan in step S410 sells the corresponding stock, the selling price of the corresponding stock of the stock investor who has received the receivable loan in step S450 is deposited to the securities firm (S450).

In step S430, the securities firm server (see FIG. 1; 20) identifies whether the valuation amount of the stock investor's stock that has received the receivable loan falls short of the loan corresponding to the receivable, so that the valuation amount of the stock does not fall below the loan. In the case, the process returns to step S410.

If the valuation amount of the stock falls below the loan in step S430, the securities firm server (see FIG. 1; 20) in step S440 sends a message to the stock investor who has received the receivable loan to select the compulsory sale of the stock. By transmitting to the terminal, it is identified whether or not the stock investor who received the receivable loan selects forced trading (S450).

If the stock investor who has received the receivable loan in step S450 selects the forced trade, the next investor trades the compulsory stock (the compulsory sale) of the corresponding stock investor, and the selling price of the stock of the stock investor who has received the receivable loan is deposited to the securities firm. (S450).

If the stock investor who has received the receivable loan in step S450 does not select the forced sale in step S450, the flow returns to step S410.

6 is a flowchart illustrating in detail an operation of repaying a loan and interest as a stock selling price and transmitting repayment confirmation information to a terminal of a stock investor who has received a receivable loan according to an embodiment of the present invention.

In FIG. 6, the securities firm server (see FIG. 1) 20 preferentially repays the loan loaned by the stock investor and the interest according to the loan using the stock selling price deposited to the securities firm in step S450 of FIG. S510).

In step S520, the securities company server (see FIG. 1; 20) transmits the loan repayment information to the loan relay system (see FIG. 1; 30), and in step S530 the loan relay system (see FIG. 1; Transfer the amount (loan and interest) to the financial institution (see FIG. 1; 40).

In step S540, the financial institution (see FIG. 1; 40) transmits the confirmation information about the loan and the interest deposit to the loan relay system (see FIG. 1; 30).

When the confirmation information is transmitted from the financial institution (see FIG. 1; 40), in step S550, the loan relay system (see FIG. 1; 30) transmits the deposit confirmation information to the securities company server (see FIG. 1; 20), The loan repayment information is transmitted to the terminal of the stock investor whose loan is repaid (see FIG. 1; 10) (S560).

In step S570, the securities firm server (see FIG. 1; 20) transmits the loan and interest repayment completion information to the terminal of the stock investor who has repaid the loan (see FIG. 1; 10).

As described above, according to the present invention, a stock investor can easily borrow by an online contract without having to submit documents or visit separately if the stock purchased by the receivables continues to rise, thus holding stocks that continue to rise. can do.

In addition, according to the present invention, the financial institution can securely manage the funds with high profits because the lender performs the loan with the receivables as collateral.

Moreover, according to the present invention, a loan relay fee is generated by providing a loan relay service between a stock investor, a securities company, and a financial institution.

In the above, the present invention has been described and described with respect to certain preferred embodiments. However, the present invention is not limited to the above-described embodiments, and those skilled in the art to which the present invention pertains have various changes without departing from the spirit of the technical idea of the present invention described in the claims below. Could be done.

Claims (20)

As an automated loan method for stock receivables: A stock investor applies for loans as collateral on stocks purchased as receivables, evaluates the stocks, verifies whether the loan is available, calculates the loan limit, and uses the stocks as collateral, and the amount requested by the stock investor within the limit. The automatic loan method of the stock transaction receivable which lends a loan, and covers the receivables repayment. The method of claim 1, wherein the automatic loan method of the stock transaction receivable is: A stock investor buying a stock with receivables using a terminal and applying for a loan with the stock as collateral; Evaluating the stock to verify whether the loan is possible, calculating the loan limit, and loaning an amount applied by the stock investor within the loan limit to cover the receivables by using the stock as collateral; Evaluating the stock price of the stock to calculate an valuation amount and selling the stock; And And repaying the loan and interest of the stock investor with the stock selling price for selling the stock, and transmitting repayment confirmation information to the terminal of the stock investor. The method of claim 2, wherein the stock investor purchases stocks in receivables using a terminal, and applies for loans as collateral for the stocks: The stock investor accessing a securities company server using the terminal and buying the stock in the receivable manner; Displaying, on the display window of the terminal of the stock investor, the securities company server, a loan application for loaning an amount corresponding to the receivable; Identifying whether the stock investor is applying for a loan by filling out the loan application; And And identifying whether the stock investor pays the receivables within a predetermined period of time. The method of claim 2, wherein the stock is evaluated to verify whether the loan is possible and the limit is calculated, and the loan is made to the amount of money applied by the stock investor within the loan limit to cover the receivables. Is: Checking, by the securities firm server, customer information of the stock investor to identify whether to approve or reject the loan application of the stock investor; Requesting a loan to a loan relay system, wherein the securities company server provides a loan relay service; The loan relay system evaluating the stock to verify availability and calculating a loan limit; Requesting the loan approval by the loan relay system to transmit loan application information of the stock investor to a financial institution; Approving the loan by the financial institution and transmitting loan approval information to the loan relay system; Sending, by the loan relay system, a loan corresponding to the receivable of the stock investor to the securities company within the loan limit; And And the securities company server automatically arranging the receivables of the stock investor using the loan. The method of claim 2, wherein evaluating the stock price of the stock to calculate an valuation amount and selling the stock includes: Identifying whether the stock investor sells the stock; Calculating, by the securities company server, the valuation amount of the stock by evaluating the stock price daily; Identifying whether the valuation of the stock is less than the loan of the stock investor; If the valuation amount of the stock is less than the loan amount of the stock investor, identifying whether the stock investor selects compulsory trading; If the stock investor selects forced trading, the securities company server counter-selling the stock; And Method of automatic loan of the stock transaction receivables comprising the step of depositing the selling price of the stock to the securities company. The method of claim 2, wherein the loan of the stock investor and the interest are repaid with the stock selling price of the stock, and the repayment confirmation information is transmitted to the terminal of the stock investor. The securities firm server repaying the interest according to the loan and the loan of the stock investor first; Transmitting, by the securities company server, the loan repayment information to a loan relay system which relays a loan relay system that provides a loan relay service; The loan relay system transferring the loan and interest to a financial institution; Transmitting, by the financial institution, confirmation information regarding the deposit of the loan and the interest to the loan relay system; Transmitting, by the loan relay system, the deposit confirmation information to the securities company server; And And the securities company server transmitting the loan and interest payment completion information to the terminal of the stock investor. 4. The securities firm server of claim 3, wherein in the step of identifying whether the stock investor pays the receivables within a predetermined period, the securities firm server reverses the trade if the stock investor does not pay the receivables within a predetermined period. Automated loan method of stock trading receivables further comprising steps. The method of claim 4, wherein in the step of identifying whether to approve or reject the loan application of the stock investor, when the loan application of the stock investor is rejected, the securities company server transmits loan rejection information to the terminal of the stock investor. Auto Loan method of stock trading receivables that includes more. The method of claim 4, wherein the loan relay system further comprises the step of transmitting loan approval information to a terminal of the stock investor. The method of claim 4, further comprising the step of the securities company server transmitting the loan result information to the terminal of the stock investor. The method of claim 5, wherein the securities company server evaluates the stock price of the stock every day to calculate the valuation amount of the stock, the stock transaction that calculates the valuation amount using (the previous day closing price-(all day closing price * schedule ratio)). Automatic loan method of receivables. The method of claim 11, wherein the predetermined ratio is 15% in the case of a stock exchange. 12. The method of claim 11, wherein the predetermined ratio is 12% for KOSDAQ. The method of claim 6, wherein the loan relay system further comprises transmitting the loan repayment information of the stock investor to the terminal of the stock investor. 15. The method of claim 2, 3, 6, 8, 9, 10 and 14, wherein the terminal is a computer and / or a mobile communication terminal. As an automated loan system for stock receivables: A terminal for buying and selling shares; Verifies whether the stock investor who has bought the stocks by the receivable method is available for loan, evaluates the stock price of the stock secured by the stock investor daily, and calculates the valuation amount, and the loan amount and interest of the stock investor as the selling amount of the stock. A securities firm server that preferentially repays; A loan relay system evaluating whether the loan is available by evaluating the stock, calculating a loan limit, remitting a loan corresponding to a receivable of the stock investor to a securities company, and performing a loan relay service for transferring the loan; And An automatic loan system for stock transaction receivables including a financial institution that loans an amount corresponding to the receivables of the stock investor. 17. The system of claim 16, wherein the terminal is a computer and / or a mobile communication terminal. 17. The system of claim 16, wherein the securities firm server calculates an valuation amount using (previous closing price-(daily closing price * schedule ratio)). 19. The system of claim 18, wherein the predetermined rate is 15% in the case of a stock exchange. 19. The system of claim 18, wherein the predetermined rate is 12% for KOSDAQ.