KR20070007219A - Guarantee insurance system or insurance policy issue method - Google Patents

Abstract

A guarantee insurance system and an insurance policy issuance method are provided to quickly and correctly computerize a series of guarantee insurance processes by enabling a policyholder, an agency, a branch, and a head office to perform the business in cooperation at the same time through a main server performing all procedures of the guarantee insurance processes. The main server(200) performs all business processes of guarantee insurance. A policyholder server(300) inputs application contents and conditions of the desired guarantee insurance by connecting to a webpage of the main server. An agency server(400) makes, checks, and confirms an application based on the application contents/conditions inputted to the main server through the network of a guarantee insurance company. A branch server(500) approves the application, issues the policy, and receives a settlement account by checking the application stored in the main server. A head office server(600) approves the application, issues the policy, and receives the settlement account by checking the application over an arbitrary decision limit of the branch.

Description

Guarantee insurance system or insurance policy issue method

1 and 2 is a block diagram of a warranty insurance system according to the present invention

3 is a flowchart of securities issuance according to an embodiment of the present invention.

4 is a flowchart of a subscription content input step according to an embodiment of the present invention.

5 is a flowchart of a guarantor assurance procedure according to an embodiment of the present invention.

6 is a flow chart of the issuance of the relevant organization documents according to an embodiment of the present invention

<Description of main parts of drawing>

100: communication network 200: main server 210: contractor processing unit

220: distributor processing unit 230: branch processing unit 240: head office processing unit

250: data processing unit 300: contractor server 400: agency server

500: branch server 600: head office server 700: related institution server

The present invention relates to a guarantee insurance system and a method for issuing securities using the same. More specifically, all procedures such as subscription, guarantee, and insurance policy issuance for various guarantee insurance products handled by a guarantee insurance company can be processed online. In this way, the computerization of guarantee insurance business can be made quickly and accurately.

In general, guarantee insurance is an insurance system that transmits damages to creditors due to defaults in sales, contracts, employment, and other contracts. It is an insurance system to cover credit risks arising from various transactions. Guarantee insurance is a special form of insurance where the insurer (guaranteed insurance company) receives a premium and the insurance contractor, who is the debtor, indemnifies the insured person who is the creditor in accordance with the contractual default or the failure to comply with the law. It is an insurance product.

In addition, the guarantee insurance is an insurance company (guarantee insurance company) to take over the guarantee function of the debtor in the form of insurance, giving credit to the debtor, the human and physical security that can occur when the debtor, such as a company or individual, conducts economic activities It is a convenient system that can be used instead of providing various deposits, joint guarantors and real estate collateral.

These guarantee insurances currently include performance assurance insurance, identity assurance insurance, education and training non-guaranteed insurance, identity guarantor guarantee insurance, construction performance guarantee insurance, design supervision insurance insurance, tax payment insurance insurance, license guarantee insurance, lease guarantee insurance, installment sales insurance insurance, Construction Guarantee Insurance, Pre-Assurance Guarantee Insurance, Parts Performance Guarantee Insurance, Electronic Commerce (Shopping Mall) Guarantee Insurance, Electronic Commerce (Payment) Guarantee Insurance, Small Loan Guarantee Insurance, Individual Housing Guarantee Insurance, Living Security Guarantee Insurance, Rent Security Credit Insurance, Auction Guarantee, Auction Guarantee, Military Return Insurance, Bail Guarantee, Deposit Guarantee, Commodity Credit Insurance, Commercial Credit Insurance, Small Business Credit Insurance, Student Loan Credit Insurance, etc. Types and names of warranty insurance products may vary depending on the insurance company.

The performance guarantee insurance, which has the most complicated procedures and related documents from the customer's point of view, guarantees the performance of debts in accordance with various contracts, such as construction contracts and goods delivery contracts. Contract) Guarantee Insurance, Performance Guarantee (Difference) Guarantee Insurance, Performance Guarantee (Defective) Guarantee Insurance, Performance Payment (Prepayment) Guarantee Insurance, Performance Payment (Product Sales) Warranty Insurance, Performance Payment Payment Insurance, etc. In addition, the scope of application can be found in overseas construction work or other nuclear power plant construction, ship construction, technology introduction, and guarantee of debt performance by using patent rights.

First of all, the conventional warranty insurance processing procedures are mostly performed offline.

In other words, the contractor prepares various documents necessary for the subscription of the guarantee insurance, visits the agency of the guarantee insurance company, subscribes for the insurance insurance, submits the relevant documents directly, or submits a copy by fax.

The agency of the insurer undertakes a first review and examination of the details of the insurance policy subscription and related documents, and then submits the documents to the insurance insurer branch, which is a higher level. Secondary reviews and audits are conducted, including adequacy and assurance.

At this time, when a guarantor is needed to guarantee the contents of the contractor's guarantee insurance policy, the guarantor will request the guarantor's entry.

The guarantor visits the agent or branch office of the insurer and submits the guarantee-related documents together with the guarantee signature.

If the insurance insurance policy is filled out by the guarantor who meets the guarantor's recognition criteria, and signed and submitted with the necessary documents, the third step is reviewed and verified. After receiving approval for payment, the contractor notifies the contractor of the result, and the contractor pays the insurance premiums and checks whether or not the expenses such as insurance premiums have been paid, and then receives a receipt and payment insurance policy.

In the case of a corporate guarantor, if the insurance insurance policy exceeds the contractor's credit limit, the guarantee may require the verification of the guarantee by the direct visit of the corporate representative and the signature of the autograph in addition to the corporate guarantee. It may also require a parallel guarantee with a legal entity.

 As described above, at present, the contractor's preparation documents and the guarantor's preparation documents related to the guarantee insurance subscription are very diverse, and it is inconvenient to prepare and submit them offline, and the contractor or guarantor directly It is a very cumbersome process such as having to go to a branch or a distributor and go through a self-identification process and a self-signed signature process.As a result of overlapping work, time and economic inefficiency is inherent. There is an urgent need for the development of an online guarantee insurance business processing system.

The present invention was created in order to solve such a problem, the present invention is to establish a main server that performs all the procedures of the warranty insurance business guarantees by allowing the contractor, distributor, branch, head office to work simultaneously Providing a system for promptly and accurately guarantee insurance business by establishing a system that can computerize a series of guarantee insurance business, such as preparing insurance policies, collecting and verifying relevant documents of contractors and guarantors, and issuing guarantee insurance policies. At the same time, its purpose is to provide an efficient guarantee insurance policy issuance method using the same.

It is still another object of the present invention to provide a system and a method which can be applied to computerization of an assurer's entry in the case of various financial institutions performing lending services, various lenders and credit associations performing credit providing services, and the like. Is in.

Guarantee insurance system according to the aspect of the present invention for achieving the above object,

A main server connected to a communication network and performing all business procedures of guarantee insurance; and a contractor server accessing a web page of the main server and inputting the contents and conditions of a guarantee insurance product desired by the contractor; and a communication network of the guarantee insurance company. Agency server for creating, reviewing, and confirming an offer on the basis of the subscription details and conditions entered into the main server through; and reviewing and confirming, confirming, approving, issuing and issuing a settlement account through the communication network. Branch office server; and the main office server which checks and confirms, approves, approves, issues the securities issuance and payment account notices that are out of the branch connection limit among the subscriptions written on the main server through the communication network; Relevant certification bodies, etc., which are responsible for the transmission of relevant documents required for procedures, and for accredited certification and payment An engine server; characterized in that is configured.

In addition, the main server,

Contractor processing unit that the contractor enters the details and conditions of the subscription and attach the attached documents by selecting the guarantee insurance product; and the agency processing unit for preparing, reviewing and confirming the subscription based on the information and conditions entered in the contractor processing unit; and A branch processing unit for reviewing and confirming, approving, and issuing securities issuance and settlement accounts issued by the agency processing unit; and reviewing and confirming, confirming, approving, issuing and issuing accounts for the subscriptions exceeding the limit of branch transfer in the branch processing unit; The head office processing unit for notification; and the data processing unit for storing the data of the contractor processing unit, distributor processing unit, branch processing unit and the main office processing unit.

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings.

1 and 2 are schematic diagrams of a guarantee insurance system according to the present invention.

As shown, the main server 200 is connected to the communication network 100 and performs all the business procedures of the guarantee insurance; and the contents of the subscription of the warranty insurance product desired by the contractor by accessing the web page of the main server 200; Contractor server (300) for inputting a condition; and the agency server (400) for creating, reviewing, and confirming an offer on the basis of the contents and conditions entered into the main server (200) through the communication network 100 of the guarantee insurance company And a branch server 500 for reviewing and confirming the approval written in the main server 200 through the communication network 100 and confirming, approving, issuing and issuing a payment account; and the main server through the communication network 100. The headquarters server 600 that checks and confirms, approves, approves the securities issuance and payment account notifications the subscriptions that are out of the limit of branch transfer among the written contracts written in 200); It consists of a related authority server 700, such as an accredited certification body that performs the transmission of related documents, public certification and payment.

In addition, the main server 200,

The contractor selects the guarantee insurance product, enters the details and conditions of the contract, attaches the attached documents, and attaches the attached documents; Dealer processing unit 220 to check; and the branch processing unit 230 for reviewing the confirmation and approval, the securities issuance and settlement account created by the agency processing unit 220; and the transfer of the branch in the branch processing unit 230 The headquarters processing unit 240 for reviewing and confirming the agreements outside the limits and confirming, approving, and issuing securities and billing accounts; and the contractor processing unit 210, distributor processing unit 220, branch processing unit 230 and head office processing unit ( It is configured as a data processing unit 250 for storing data of the 240.

In addition, the main server 200,

It may be built by using the server of the existing guarantee insurance company, or by forming a separate agency consultation body that the agency agency may build the main server 200 alone.

In this case, as shown in FIG. 1, when the main server 200 is constructed and operated by using a server of an existing guarantee insurance company, the agency server 400, the branch server 500, and the head office server 600 are operated. Is connected to the internal network (intranet) to handle the warranty insurance business and the operation of the main server 200 is the insurance company itself.

On the other hand, as shown in Figure 2, when each agency is formed to form a separate consultation body and the agency consultation body to build and operate the main server 200 alone, the agency server 400 is the head office system The branch server 500 and the head office server 600 which are independent and independent systems to perform the warranty insurance business independently, connected to each other by an internal network (intranet, hot-line) to handle the warranty insurance business ) Is to process the guarantee insurance business only by the interlocking relationship of the business, in this case, the operating subject of the main server 200 is determined by the agreement between the guarantee insurance company and the agency agency.

In addition, the main server 200,

In order to prevent leakage of official documents by hacking, etc., the communication connection between the agency server 400, the branch server 500, and the main office server 600 is preferably connected to an internal network (intranet).

In addition, the contractor processing unit 210 of the main server 200, the contractor selects the warranty insurance product, enters the subscription details and conditions, and attaches the attached documents, so that the progress can be checked and searched in real time. It is desirable to provide a page.

The guarantee insurance system 1 according to the present invention has various guarantee insurances, namely, performance guarantee insurance, identity guarantee insurance, education and training expenses guarantee insurance, guarantor guarantee insurance, construction performance guarantee insurance, design supervision insurance insurance, tax guarantee insurance, license Guarantee insurance, lease guarantee insurance, installment guarantee guarantee, construction guarantee insurance, pre-sale guarantee insurance, parts performance guarantee insurance, electronic commerce (shopping mall) guarantee insurance, electronic commerce (payment method) guarantee insurance, small loan guarantee insurance, private house Money Guarantee Insurance, Stabilized Money Guarantee Insurance, Rent Guarantee Credit Insurance, Auction Guarantee Insurance, Auction Guarantee Insurance, Military Return Guarantee Insurance, Bail Guarantee Insurance. One or more of the guarantee insurance business can be carried out: deposit guarantee insurance, commodity credit insurance, commercial credit insurance, SME credit insurance, student loan credit insurance.

Hereinafter, the present invention will be described in detail by the accompanying drawings in accordance with the flow of warranty insurance business processing according to an embodiment of the present invention.

As shown in Figure 3, the warranty insurance business process and the issuance process of the securities according to the present invention is the subscription details input step (S10); A first review step (S20); A second review step (S30); Data input step (S40); Third review step (S50); 4th review step (S60); Certified certification step (S70); 5th approval step (S80); 6th approval step (S90); Premium payment step (S100); Securities issuance step (S110); is made.

First, in the subscription content input step (S10) of the present invention; the contractor is connected to the contractor processor 210 from the web page of the main server 200 through the Internet communication network 100 using the contractor server 300 and Select the guarantee insurance product, enter the contract details and conditions, and attach the attached documents.

The details of the subscription content input step S10 will be described below with reference to the drawings.

As shown in Figure 4, the subscription content input step (S10); the contractor to the contractor processor 210 from the web page of the main server 200 via the Internet communication network 100 using the contractor server 300 A login step (S11) for logging in after accessing a member; A basic information input step (S12) of inputting basic information about an individual or a company; An agent selection step (S13) in which the contractor selects an agent of the guarantee insurance company; A guarantee insurance product selection step (S14) in which the contractor selects a guarantee insurance product; The contractor inputs the details and conditions of the contract and attaches the attached documents, the details of the contents input step (S16); and the certified certification step (S17) for authenticating the subscription by the contractor's own by a publicly recognized certification system; It consists of.

In the agent selection step (S13) of the subscription information input step (S10); when the contractor selects or inputs a dealer to be dealt with, the contractor's warranty insurance policy prepared in the agency processing unit 220 is selected by the contractor. The guarantee insurance business process is transmitted to the agent's agency processing unit 220, and if the contractor does not select a dealer to deal with or if the contractor's warranty insurance policy is made by the agency processing unit 220 in the future, It is transmitted to the joint management unit (S15) is to proceed with the warranty insurance business.

In addition, the contractor's guarantee insurance policy is sent to the agency unspecified agreement joint management unit (S15) and the insurance insurance business process proceeds, insurance premiums paid by the insurer insures the insurance by agency between the participating agents participating in the use of the guarantee insurance system of the present invention. It is desirable to allocate reasonably according to the pre-arranged distribution criteria such as performance and frequency.

In addition, the documents submitted at the details of entering the details of the contract (S16), in which the contract details and conditions are entered in the guarantee insurance policy, and the attached documents are attached, there may be a signed copy of the contract and a copy of the business registration certificate. It may be desirable to submit in the form of an image file scanned by a scanner or an electronic document written in fax and word.

In the first review step (S20) of the present invention; through the confirmation of the contents and conditions of the warranty insurance contract entered in the contractor processing unit 210 and the attached documents to create a warranty insurance policy.

In the second review step (S30) of the present invention; examines and confirms the adequacy of the guarantee insurance policy and the attached documents prepared in the first review step (S20), preserves the result, and the need for a guarantor is generated. In the case of the guarantee number of the guarantor, the qualification requirements of the guarantor, the documents required for the guarantor, and the company-level guarantee in the case that the company-level guarantee is required in accordance with the guarantee for a certain amount or more determined by the insurance insurer, information on the company's preparation documents etc. 220) and the contractor processing unit 210, and if there is no need for the guarantor's entry and submission documents, it is recognized as an appropriate subscription and certified by the publicly recognized certification system to verify that the contract is made by the contractor. Step (S17); proceeds to the self-consent procedure for the contents of the warranty insurance policy already written.

In this case, when the distributor receives the contents received from the agency processing unit 220, that is, the documents submitted by the contractor are insufficient or the documents required by the guarantor are required and the need for online issuance occurs, the corresponding agent is sent to the agency processing unit 220. The contractor and the guarantor are notified of the received information by a well-known e-mail transmission method or an SMS method, and the contractor and the guarantor who have recognized the content are connected to the main server 200 through the communication network 100 using the contractor server 300. The agency is required to connect the contractor processing unit 210 to the relevant agency by delegating the online issuance application of the documents necessary for the business process of the guarantee insurance company to the relevant agency. It will request the issuance of necessary documents and, accordingly, receive the necessary documents issued by the relevant organizations online to handle the remaining work. It becomes.

Figure 6 shows the process of receiving the necessary documents from the relevant organization.

As shown, the issuance of the necessary documents from the relevant organization is the login step of logging in by first entering the unique authentication number, the insurance company is connected to the web page of the institution server 700 through the Internet communication network 100 (S71); and search and select the documents required for the processing of the warranty insurance business, enter the necessary content and apply for documents issuance and document issuance application step (S72); and documents issued from the relevant institutions by the application The download step (S73) to download and is completed by downloading the documents issued in the download step (S73) and received online, this process of receiving the necessary documents from the relevant institutions can be applied in the case of the contractor and guarantor have.

At this time, for fast and safe online receipt of necessary documents issued by the relevant institution, it would be desirable for the insurer to obtain a unique certification number of the insurer in advance by signing an advance agreement with the institution.

The current required documents for the guarantor include a seal certificate, a copy of a resident registration certificate, a certificate of property tax taxation, a copy of real estate registration, etc. There is a proof of evidence, the company's financial statements, and the company's remaining debt confirmation.

In addition, the required submission documents are replaced by the online system submission and verification method as shown in the table below, so the contractor and guarantor can save time and effort required for document preparation and insurer's visit. The guarantee insurance company can speed up the processing of the guarantee insurance business.

division Current verification method Confirmation method according to the present invention 1. Identification (contractor, contractor corporation, guarantor) Guarantee insurance company visit Announcement of Accredited Certification System 2. Required Documents for Contract Application Seal seal on private seal certificate Announcement of Accredited Certification System 3. Required Documents Company Profile CEO's Resume Business Registration Certificate Company's Financial Statement Online reception Certificate of Corporate Tax Registration VAT Online Issuance by Issuing Organization 4. Documents Prepared by Guarantor A seal stamp on the copy of the resident registration card seal certificate Announcement of Accredited Certification System Certificate of Property Taxation Online Issuance by Issuing Organization

In the data input step (S40) of the present invention, the details of the guarantor submission data supplemented according to the contents notified to the contractor processing unit 210 through the second review step (S30).

In the third review step (S50) of the present invention; on the basis of the data on the guarantor entered in the data input step (S40) confirming whether the documents of the guarantor, the ability of the guarantor, the guarantor's credit rating, the company's credit Review and confirm the degree.

In the fourth review step (S60) of the present invention; to review the contents of the review of the third review step (S50) in order to ensure the completeness of the warranty, the assurance capacity of the guarantor is once again confirmed and the result is confirmed by the contractor processing unit. You will be notified at 210.

In other words, if the guarantor is disqualified for the guarantee or the guarantor submitted documents are incomplete through the review and verification process up to step 4, the contents of the guarantor are transferred to the contractor processing unit 210 to replace the guarantor or to supplement the insufficient submitted documents. It is to be able to resolve such points.

Accredited certification step (S70) of the present invention; the contractor agrees to the contents of the warranty insurance policy that has been duplicated and reviewed through the process up to the fourth review step (S60) and has already been created by self-certification by a known certification system. After confirming that the contents of the guarantee insurance policy offer is made by the contractor, the 5th approval step (S80) is performed.

In addition, as shown in Figure 5, the guarantor's identity verification process, the guarantor is connected to the contractor processing unit 210 of the main server 200 through the Internet communication network 100 to log in after signing up (S31) In the case of the guarantor or company guarantee, the guarantor basic information input step (S32) for inputting the basic information of the company; and the contract contents review and submission document attachment step for reviewing and confirming the contents of the contractor's warranty insurance policy and attaching the submitted documents. (S33); and the certified insurance step of confirming the contractor's guarantee insurance policy prepared by the certified and certified by the publicly recognized certification system (S17); It is transmitted to the approval step (S80).

In the fifth approval step (S80) of the present invention, after reviewing and confirming the contents and agreements of the contractor's guarantee insurance policy and the guarantee agreement and guarantor submission documents, etc. of the contractor, renewing the internal settlement of the guarantee insurance policy. Payment documents renewed as will be transmitted to the sixth approval step (S90).

In the sixth approval step (S90) of the present invention; after confirming the approved insurance insurance bill that has been renewed internally and approved, the approval is returned to the contractor processing unit 210 along with the payment account number such as a premium.

In the insurance premium payment step (S100) of the present invention, the payment of the insurance premium, etc. to the payment account, such as the approval approved and announced to the contractor processing unit 210 along with the approval details.

At this time, it would be desirable to use a known online payment method in conjunction with a financial institution server.

In the insurance policy issuing step (S110) of the present invention, the guarantee insurance company completes the guarantee insurance processing process by issuing a guarantee insurance policy after checking the payment status of the guarantee insurance premium.

In addition, the method of sending a guarantee insurance policy issued in the securities issuing step (S110) is preferably in the form of an e-mail and can be sent in parallel.

One embodiment of the above has been described by setting the case of the performance guarantee insurance of the guarantee insurance products, but of course, other products of the guarantee insurers, there is a difference in the preparation documents can be applied equally.

In addition, the present invention in the case of guarantee insurance consisting of a group contract, such as identity guarantee insurance and performance payment guarantee insurance of the current warranty insurance products, at the company level to confirm the intention of joining the identity guarantee insurance and performance payment guarantee insurance of employees, etc. There is an excessive amount of incidental work other than the company's own business by carrying out the procedural work such as joining the identity guarantee insurance and performance payment guarantee insurance. However, the present invention is basically based on the guarantee insurance business system according to the present invention. Since it is a system that can be used directly, the members who have the intention of subscribing, such as identity guarantee insurance and performance payment guarantee insurance, can directly access the system of the present invention and subscribe to each identity guarantee insurance and performance payment guarantee insurance, and the company also the present invention. Direct access to the system, payment of expenses, receipt of securities, etc. Yes, because it is possible to perform only the post-administration concerning increased guarantees insurance coverage and implementation it may be applied so that the company can greatly reduce the workload of troops as a matter of course.

Although described above with reference to the drawings shown in accordance with an embodiment of the present invention, the present invention is not limited to the above-described embodiment, various financial institutions that perform a loan business without departing from the spirit of the invention claimed in the claims Of course, any person having ordinary knowledge in the field of the present invention, such as various lenders and various credit unions, which perform credit service, can make various modifications, and such modifications are described in the claims of the present invention. It is in range.

As described above, the present invention has described a guarantee insurance system for computing a guarantee insurance business, the guarantee insurance system according to the present invention is to eliminate the duplication of work, eliminating the movement of related documents made offline Not only can insurance work be done quickly, but it also has the effect of increasing work efficiency by enabling visual confirmation of the flow of work processes in real time.

In addition, it saves time and hassles of procedures such as waiting for customers to come to the insurance company, streamlining various preparation documents, and issuing them online by a communication network linked to the relevant agencies. It can achieve the effect of processing of.

In addition, the insurer can reduce the additional costs that can be required to secure the storage of documents by reducing the amount of documents, and can save manpower and time according to the electronic payment system. Being able to relocate to the right place to perform will greatly increase the company's competitiveness and increase customer satisfaction.

In addition, since the agent can simplify the guarantee insurance processing business according to the present invention, the time and economic opportunity cost effect is increased for the employees, which is a great effect to strengthen the sales force of the agent.

Although the present invention has been described by the accompanying drawings, the present invention is not limited thereto, but many modifications and variations can be made within the scope of the following claims.

Claims (12)

In the guarantee insurance business processing system, A main server connected to a communication network and performing all business procedures of guarantee insurance; and a contractor server accessing a web page of the main server and inputting the contents and conditions of a guarantee insurance product desired by the contractor; and a communication network of the guarantee insurance company. Agency server for creating, reviewing, and confirming an offer on the basis of the subscription details and conditions entered into the main server through; and reviewing and confirming, confirming, approving, issuing and issuing a settlement account through the communication network. Branch office server; and the main office server which checks and confirms, approves, approves, issues the securities issuance and payment account notices that are out of the branch connection limit among the subscriptions written on the main server through the communication network; Relevant certification bodies, etc., which are responsible for the transmission of relevant documents required for procedures, and the accreditation and payment Guarantee insurance system, characterized in that consisting of the server. The method of claim 1, The main server may include a contractor processing unit for the contractor to select a guarantee insurance product, input the subscription details and conditions, and attach an attached document; and create a subscription form based on the subscription details and conditions input to the contractor processing unit, and review and confirm the subscription. Dealer processing unit; And a branch processing unit for reviewing and confirming, approving, and issuing securities issuance and settlement accounts made by the agency processing unit; and reviewing and confirming, confirming, approving, issuing and settlement of the offer that falls outside the limit of the branch in the branch processing unit. And a head office processing unit for performing account notification; and a data processing unit for storing data of the contractor processing unit, agency processing unit, branch processing unit, and head office processing unit. The method according to claim 1 or 2, When the main server 200 is built by using the server of the existing insurance insurer to operate the insurance insurer integrated, the main office server, the branch server and the agency server is connected to the internal network (intranet) to process the warranty insurance business In this case, when the agency council is formed independently by the agency council formed by the respective agencies in association with the main server 200, and the agency council is operated independently, the main office server and the branch server are connected to the internal network (intranet, hotline) and the agency server. Guarantee insurance system, characterized in that a separate independent system to process the guarantee insurance business by a business interlocking relationship. According to claim 1, Transactions related to contractors and guarantors include all financial institutions such as banks, life insurance companies, non-life insurance companies, mutual savings banks, credit unions, credit guarantee funds, various credit providers including construction credit guarantee funds, and construction credit unions. Insurance system, characterized in that the business process for the contractor and guarantor related to the loan service of the credit union. According to claim 1, In the case of a group insurance contract, such as identity guarantee insurance or performance payment guarantee insurance, the company will collect the individual's subscription and notify the insurance company at the same time. When a member of the company applies directly to a server on which the system is installed, the affiliated company uses only the same server to pay insurance premiums (subsequent payment), securities issuance, and follow-up management. In issuance of guarantee insurance policy, A contract contents input step of a contractor accessing a contractor processing unit from a web page of the main server through an internet communication network using a contractor server, selecting a desired guarantee insurance product, inputting contract details and conditions, and attaching attached documents; and A first review step of preparing a guarantee insurance contract through the confirmation of the contents and conditions of the guarantee insurance contract and the attached documents entered in the contractor processing unit; and If the result of the review and verification of the guarantee insurance policy and attached documents created in the first review stage is preserved, and the result of the review and verification of the prepared insurance insurance policy and attached documents arises, the necessity of guarantor entry may arise. If the company-level assurance is required in accordance with the number of guarantors, the qualification requirements of the guarantor, the guarantor's preparation documents, and the guarantee for a certain amount or more determined by the guarantor insurance company, the company's preparation documents, etc. shall be described. If the notification to the processing unit, if there is no need for the guarantor's entry and submission documents, the second step of reviewing and proceeding to the accredited certification step to proceed with the consent process for the contents of the warranty insurance policy already prepared; and Data input step of inputting the details of the guarantor submission data supplemented in accordance with the contents notified to the contractor processing unit after the second review step; and A third step of reviewing and confirming whether the documents are provided, whether the guarantor is capable of guaranteeing the guarantor, the guarantor's credit rating, the company's credit, etc. based on the data of the guarantor entered in the data input step; and 4th review step of reviewing the review contents of the 3rd review step in order to ensure the completeness of the guarantee, and once again confirming the guarantee ability of the guarantor and notifying the contractor processing department of the result; and The contractor agrees to the contents of the guarantee insurance policy that has been repeatedly reviewed and confirmed through the process up to the fourth review stage, and is authorized in the fifth stage of approval by the contractor's consent; and In the fifth approval stage, after reviewing and confirming the contents and agreements of the contractor's guarantee insurance policy, and the guarantee agreement and guarantor's submission, etc., the approval document is renewed. 5th approval step to be transmitted to the second approval step; And 6th approval step, when the approval is approved after checking the renewed guarantee insurance policy, the approval is returned to the contractor processing unit along with the expense payment account number such as insurance premium; Insurance premium payment step of paying the insurance premiums, etc. to the payment account, such as the details of the approval of the guarantee insurance subscription contents and the noticed costs returned to the contractor processing unit; and The insurance policy issuance step of checking the payment status of the insurance premium, etc. and issuing a guarantee insurance policy. According to claim 6, The assurance work processing step of the guarantor includes a login step in which the guarantor directly accesses the contractor processing unit of the main server through an internet communication network and logs in after registering as a member; and in the case of the guarantor or company guarantee, the guarantor basic information for entering the company's basic information. Inputting step; and reviewing and confirming the contents of the contractor's warranty insurance policy, and reviewing and confirming the contract contents attaching the submitted documents; and an accredited certification step agreeing to guarantee the contractor's warranty insurance policy. Guarantee insurance policy issuance method characterized by. The method according to claim 6 or 7, The 1st, 3rd review step and the 5th approval step are issued by the dealer processing unit. The method according to claim 6 or 7, The second, fourth review step and the sixth approval step is a guarantee insurance policy issuance method, characterized in that performed by the branch processing unit. According to claim 6, The sixth approval step is a guarantee insurance policy issuance method, characterized in that performed by the headquarters processing unit when the amount of guarantee insurance subscription exceeds the branch settlement limit.         According to claim 6,        The subscription information input step, the contractor log in to log in after the contractor accesses the contractor processing unit from the web page of the main server through the Internet communication network using the contractor server and log in; and basic information for entering the individual or company Information input step; and agent selection step for the contractor to select an agent of a guarantee insurance company; guarantee insurance selection step for selecting a warranty insurance product; and details of the contract for entering the contract details and conditions and attaching attachments to the guarantee insurance policy. Input step; Guarantee insurance policy issuance method comprising the. The method according to claim 6 or 11, In the agent selection step of the subscription details input step, when the contractor selects or inputs a dealership to be dealt with, the contractor's warranty insurance policy, which is created in the dealership processing unit, is transferred to the agency processing unit of the agent selected by the contractor for warranty insurance service. If the contractor does not select a dealer to deal with or if the contractor does not select a dealer, the contractor's warranty insurance policy prepared by the agency will be transferred to the joint management group of the agency's unspecified policy to allow the insurance insurance business to proceed. Insurance policy issuance method.

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