KR20070037600A - Financial system, method for using the system, and computer-readable medium for recording the method - Google Patents

Abstract

1. TECHNICAL FIELD OF THE INVENTION

The present invention relates to a financial product business model.

2. The technical problem to be solved by the invention

The present invention relates to a financial asset management method and system in which an investor (or a loan financial company) selects an applied exchange rate at maturity date when loaning financial asset reserves in won (or foreign currency) and repaying them in foreign currency (or won). To provide.

3. Summary of Solution to Invention

The present invention recruits funds from the investor (or depositor), loans the collected funds to the customer in won (or foreign currency), and the investor (or lender finance company) has a favorable exchange rate between the maturity date and the maturity exchange rate. To select, the loan customer is characterized in that the repayment of the principal in the foreign currency (or KRW) mark at maturity.

4. Important uses of the invention

It is used in the financial asset management business model.

 Investors, loan customers, financial companies, deposit rates, return on investment, loan rates

Description

Financial system, method for using and recording medium {financial System, method for using the system, and computer-readable medium for recording the method}

1 is a diagram of a financial asset management system according to an embodiment of the present invention;

2 is a diagram illustrating the concept of a financial company server according to an embodiment of the present invention.

3 is a diagram illustrating a financial asset operating method according to an embodiment of the present invention.

The present invention relates to a financial asset management method, in particular loans in the first country's currency (local currency) and repayment in the second country's currency (indices other than the local currency: US dollars, Japanese yen, Euro, etc.) at maturity. It relates to a financial asset management method.

In the current foreign currency deposits and foreign currency loan system, if the exchange rate decreases (the won's value rises), foreign currency depositors see the loss of investment and foreign currency lenders profit. That is, a fund provider (investor) has a contradiction in which a loss of investment occurs and a customer who needs to borrow a loan due to lack of funds has a profit. On the other hand, in the case of foreign currency loans, the lending financial company has a problem that a foreign exchange loss occurs. For this purpose, currency risk management is carried out, but foreign exchange management costs are additionally required.

For example, assuming that the exchange rate falls, the current foreign currency deposits are as follows.

Return on dollar-denominated foreign currency deposits as exchange rate falls

* Foreign currency deposits: If the exchange rate falls 10% from USD1000 to USD900 per year for a year, the real interest rate will be minus 5% annually even if a 5% foreign currency deposit interest rate is incurred.

* Foreign currency lenders: If the exchange rate falls 10% over a year, real returns will be positive at 5% even if the loan rate is paid.

As described above, when the exchange rate falls, the investor (or financial company) must bear substantial damage, which impairs the basic order of general finance, which is not realistic.

Disclosure of Invention It is an object of the present invention to provide an efficient financial asset management method and system capable of protecting an investor (or depositor) from currency risk caused by exchange rate fluctuations and a recording medium recording the same.

In addition, the present invention provides an efficient financial system and method and a recording medium recording the same, which can match the interests of current and future consumers on foreign currency and at the same time improve the return on investment, as well as eliminate the risk of foreign exchange without the risk of managing foreign exchange. There is a purpose.

In addition, an object of the present invention is to provide an efficient financial asset management method and a recording medium that can further enhance the investor's return on investment while eliminating excessive delinquency interest in advance by improving the lender's interest repayment ability. .

In order to achieve the above object, in the financial system for repayment of currency in a first country currency (local currency) and repayment in a second country currency, the first country and the second country on the basis of the loan time or maturity time point. An exchange rate determination unit for acquiring exchange rate information between currencies and setting a predetermined exchange rate; An operation unit for calculating a repayment principle including the principal and the accrued interest at the second currency in accordance with the exchange rate set by the exchange rate determining unit; A database unit for storing information related to the investment or deposit and loan and customer information; And a financial management unit controlling the operation of the operation unit and managing the database according to the exchange rate information set by the exchange rate determination unit.

In addition, the present invention, the exchange rate determination unit for obtaining the exchange rate information between the first country and the second country currency on the basis of the loan point or maturity point, and set a predetermined exchange rate, and according to the exchange rate set by the exchange rate determination unit An operation unit for calculating a repayment principle including the principal and the accrued interest at the time of the loan in the second national currency, a database unit for storing information related to the deposit and the loan and customer information; And a financial asset operating method in a financial system having a financial management unit for controlling the operation of the operation unit according to the exchange rate information set by the exchange rate determining unit and managing the database. And storing the loan related information in a database. Deferring interest according to the loan until the loan expires; A third step of determining an exchange rate for repayment of the second national currency at the time of the loan maturity; And a fifth step of calculating and processing a repayment amount in a second country currency through the operation unit according to the determined exchange rate.

In addition, the present invention is a financial system for calculating the repayment amount in the second country currency with respect to the loan loans in the first country currency, wherein the principal repayment amount for interest and principal generated from the loan amount A calculating unit calculating the principal repayment amount in second currency based on the exchange rate of the designated date selected by the investor or the financial company or within a range of a predetermined exchange rate fluctuation; And a database unit which stores information related to the loan and customer information.

Hereinafter, with reference to the accompanying drawings will be described in detail the concept of the financial product operating system according to the present invention.

1 is a diagram of a system relating to financial asset management according to an embodiment of the present invention, FIG. 2 is a diagram illustrating a concept of a financial company server according to an embodiment of the present invention, and FIG. 3 is according to an embodiment of the present invention. A diagram illustrating a method of operating financial assets.

Referring to Figure 1, the financial asset management method according to the present invention loans the investment or deposit in the currency of the first country (own country), and the borrower will be repaid in the second national currency at the time of repayment, but the exchange rate at the loan creditor ( It is characterized by repayment at the exchange rate specified by the investor or financial company. The system according to the invention consists of an investor, a financial company, a bank loan customer.

If the investor deposits the won (the first national currency) through the financial company server 100, and the loan company loans the loan customer in the won (the first country's currency), the loan customer is the investor (or the financial company) at maturity. The loan principal and interest on the loan are repaid through the financial company at the standard exchange rate specified by the Corporation.

The financial company provides a variety of information through the financial company server 100 so that the debtor receives a loan in won (first national currency) and repays it in the second national currency at maturity.

The financial company 100 provides a web page for investors (depositors: 300) to access, and loan information in the first national currency and loans at maturity provide information related to the management of financial assets that can be received in the second national currency. to provide. In addition, the financial company server 100 tracks and stores exchange rate information so that the investor 300 can select a favorable exchange rate at the time of loan expiration and provides information related to investment (or deposit) and loan through a web server.

The financial company server 100 may be implemented as shown in FIG. 2.

The exchange rate determination unit 15 obtains exchange rate information related to the currencies of the first and second countries at the time of loan or maturity, and stores the exchange rate information in the database unit 11. The exchange rate information may be provided by the foreign exchange agency with the closing price based exchange rate information announced by the foreign exchange agency, or may be obtained by directly inputting by the person in charge of the bank.

The principle calculation unit 12 calculates the principle payment repayment amount in the second country's currency according to the exchange rate selected by the investor at the time of maturity of the loan.

The database unit 11 stores exchange rate information obtained by the exchange rate determination unit 15, information related to investment (or deposit) and loan, and customer information related to an investor and a debtor.

The date management unit 14 manages the date of the loan and investment (or deposit) of the investor and the debtor, and in particular, generates an alarm when the loan expiration time arrives.

The messaging unit 13 provides information to the loan customer according to the alarm generated by the date management unit 14.

The financial management unit 10 calculates the principal repayment amount according to the repayment from the first national currency to the second national currency according to the exchange rate stored in the database unit 11 and the exchange rate information set at the time of loan expiration by the exchange rate determination unit 15. (12) process related processes to repay the principal and interest according to the loan at the same time as the loan expires.

Hereinafter, a method of operating a financial system according to an embodiment of the present invention will be described with reference to the accompanying drawings.

First, describing the overall procedure, the financial institution server 100 recruits funds from investors (or depositors). The financial company server 100 performs a loan related procedure to the loan borrower in won (or foreign currency) display. Generally, when a loan occurs, interest is generated every certain period (monthly), but in the embodiment of the present invention, the borrower does not pay interest during the loan period and repays it with the principal at maturity. At the maturity of the loan, the borrower repays the principal and the deferred interest in the second currency (in the case of won loans in foreign currency and in the case of foreign currency loans). At this time, the loan debtor's repayment of the principal shall be the amount converted to the foreign currency (or Korean won) currency, but the applied exchange rate is the exchange rate selected by the investor (300) or the financial company (100: investor: bank) , The asset management company, etc.).

In the embodiment of the present invention, the idea of the basic invention is that the investor (depositor) invests in the first country's currency and receives the principle money in the second country's currency when it expires. Receive and repay in second currency at maturity.

In addition, such financial asset management methods are immigrants, importers, and international students who need foreign currency at maturity. The present invention can maximize the profits between the investors (depositors) and lenders of the financial company, while being able to match the current foreign currency demand (loan customer) and future foreign currency demand (current foreign currency deposit customer). Receiving interest payments, investors can choose the applicable exchange rate for repayment of the loan at maturity to prepare for the risks of currency fluctuations.

The exchange rate selection at the time of loan maturity may be input by the investor (depositor) using the investor computer 300, or may be performed by the bank server 100 (bank, investment banking company).

Hereinafter, referring to FIG. 3, the investor 300 accesses the financial company server 100 in step 400, checks the investment condition in step 410, and deposits the investment amount (deposit amount). Of course, the deposit may be made via offline. The investment information is stored in the database unit 11. The investment condition is, for example, a method for determining an exchange rate at the time of investment or maturity.

In step 420, when the loan debtor 200 accesses the financial company server 100 and inputs loan related information in step 421, the financial management unit 10 stores the related information in the database unit 11. Loan-related information includes information on maturity dates, interest rates until maturity, and how interest is paid. In an embodiment of the present invention, the interest is paid by the debtor at the maturity of the loan, but applies the exchange rate selected by the investor (depositor or financial company) at the maturity.

In step 430, the due date management unit 14 sends a message to the investor through the messaging unit 13 informing the arrival of the relevant maturity when the loan is due. The messaging unit 13 may use an information processing device such as an e-mail, or may notify in writing via offline.

The financial management unit 10 stores the exchange rate condition input by the investor (or financial company), calculates the principal money to be repaid through the principle calculation unit 12, and notifies the loan debtor through the messaging unit 13. The calculation of the principle money is carried out in steps 450 to 470. If the exchange rate selected by the investor (or financial company) is the loan point exchange rate, proceed from step 450 to step 460 and apply the loan point exchange rate. If the loan-time exchange rate is not applied in step 450, it is determined whether the variable exchange rate is applied in step 451, and if the variable exchange rate is applied, the exchange rate is applied within a predetermined exchange rate fluctuation range. For example, if the initial exchange rate was 1000 won per dollar and 900 won at maturity, the exchange rate would be 930 won out of 100 changes. On the other hand, if the variable exchange rate is not applied in step 451, the exchange rate at maturity is applied in step 453.

When the applied exchange rate is determined, the process proceeds to step 470 to calculate the foreign currency display repayment amount through the principal operation calculation unit 12, and notifies the borrower of the repayment information calculated through the messaging unit 13.

Then, in step 480, the loan borrower 200 accesses the financial company server 100 and repays the foreign currency (principal) through internet banking or offline, and accordingly divides the principal and proceeds according to the investment to the investor (depositor). The deposit will be made to your account.

Detailed description of the processing procedure of the above embodiment is as follows.

If the investor (depositor) is the future foreign currency consumer and the loan debtor is the current foreign currency consumer, both the investor and the creditor will save the exchange rate risk management costs. In particular, since the investor decides when to apply the exchange rate at the time of repayment of the principal in the financial asset management method at the time of loan or maturity, the investor in the available won (the first national currency) is the future consumer of the foreign currency (the second national currency), The risk of currency risk can be avoided because it can be optionally specified at the current exchange rate or the exchange rate at maturity. In addition, profits on interest income can also be guaranteed. On the other hand, loan borrowers pay the interest paid monthly in foreign currency together with the principal without any additional fees (interest equivalent to interest), so they are less burdened by foreign exchange borrowers who are expected to earn foreign currency at maturity. There are advantages to it. In particular, an exporter may obtain a smooth circulation structure when borrowing facility funds in won and repaying principals at maturity using foreign currency earned through exports of goods.

In the above-described embodiment of the present invention, in the interest management method, the interest is deferred, and it is explained that a separate interest equivalent amount of interest does not occur, but it is also possible to reinvest this interest in the lender. In this case, the loan interest repaid by the borrower every month is to be repaid only the difference between the deposit interest and the loan interest (more than 0%), where the loan interest is reinvested on the basis of the first national currency previously borrowed. If an investor invests (pays) a deposit or bond investment proceeds to the borrower, that is, does not receive loan interest during the loan period, the real interest burden of the borrower during the loan period is greatly reduced and the income increase effect is also increased. Occurs.

On the other hand, in return for the reinvestment corresponding to the interest, the borrower guarantees a certain return on investment at the time of the loan maturity, or admits the option to apply the exchange rate applied when the loan is repaid.

Loan creditors (financial firms, etc.) are able to create credits through stable funding during the investment period, and if they are actually repaid in normal interest, and the borrower does not hold a second currency at maturity, Since it is necessary to exchange currency into the second national currency, the exchange fee may be generated. In addition, lenders (banks, financial companies, etc.) can create a variety of added value, such as commissions from trust banks. In general, investment involves risks, but for investors (depositors), financial institutions loan system can be used to make stable investments, greatly improve the return rate compared to foreign currency deposit rates, and have a tax-exempt effect on foreign exchange gains. You can get it. If the investor is a company that trades with a particular country, foreign exchange risk management is unnecessary when using the product, and immigrant seekers and general investors are also neutral, stable, and expected to have higher returns.

Looking at the specific embodiment of the present invention in detail.

< Example  1>

If the financial company raises 10 billion won through the server 100 and lends 90 ~ 10 billion won to the loan borrower 200, loan interest occurs (payment of interest is deferred). It is repaid in the amount of principal and interest equivalent amount of KRW 9-10 billion. At the maturity, the applicable exchange rate is selected by the investor (or lender financial company or bank) from the loan closing price and the exchange rate based on the maturity date, as announced by the Seoul Foreign Exchange Broker.

The financial company or loan borrower 200 may manage foreign exchange risks by using futures exchanges (derived instruments) as profits (interest equivalents to loan interest) arising from loan repayment deferrals in order to prevent foreign exchange risks caused by exchange rate increases. have. In particular, since the investor (or fund manager delegated by the loan debtor) is selected during the loan period, the investor (or fund manager delegated by the borrower) selects the exchange rate used to repay the loan principal. At lower exchange rates than at the time of the loan, you can manage the risks associated with rising exchange rates. In other words, the standard exchange rate used to repay a loan is only two days (the loan date and the maturity date), but in the case of a loan with a maturity of one year, the loan is paid at a fixed cost (usually 1% or less of the loan principal) It is very easy to choose a lower exchange rate than the exchange rate, and there is a high probability that the market exchange rate will be lower than the point of the loan.

For example, if the exchange rate at the time of the loan is 1,000 won per dollar and the maturity rate is 900 won per dollar, the loan borrower 200 or the fund manager (100: bank, investor) would be under $ 1000 per dollar in 365 days. It is not difficult to manage currency risk in preparation for the rise of more than W1,000.

In addition, since there are much more days to prepare for the risk of the exchange rate rise, the loan debtor 200 can also expect exchange gains if the exchange rate is set to prepare for the risk.

In the case of the loan condition that pays the loan interest every month and the condition that the loan principal and interest are paid together at the maturity, the annual interest rate difference is 1.5 ~ 2.0%. Loan debtors are also advantageous as they can manage foreign currency risks with amounts less than 0.5% to 1.0%. If the borrower is unable to avoid overdue interest burden due to temporary lack of funds, the overdue interest burden is 19% per year, but the exchange risk management cost is less than 1% per year, which is much more advantageous than the existing loan system.

< Example  2>

A financial company (100: a bank, an asset management company, etc.) collects one million dollars of foreign currency funds and lends them to the borrower debtor 200 in foreign currency, and the borrower 200 repays the loan principle in maturity in maturity. . The maturity of the exchange rate at maturity is selected by the lending financial institution (or investor) at the closing price based on the maturity date and the exchange rate based on the maturity date. In this case, too, as in <Example 1>, when a borrower or a fund manager uses derivatives (for foreign exchange risk management) as a profit from loan repayment deferred payments, as well as managing foreign exchange risk due to exchange rate fluctuations during loan period, Foreign exchange gains can also be expected.

As an example of the "Example 1" and "Example 2", if the apartment winning worker assumes a loan interest of 700,000 won per month for 100 million won loans, when the financial situation is difficult, Comparing the utility value of interest equivalency (700,000 won per month) when there is room for interest repayment at the time of occupancy and rental fee, loan utility repayment deferment is more than loan interest equivalent amount. Has value. In the former case, the probability of incurring delinquent interest (19% annually) is very high. In the latter case, the actual interest rate difference is up to 10% or more in that there is virtually no probability of delinquent interest. If the borrower is required to pay monthly loan interest as in the existing loan system, the lender must pay the exchange rate risk management cost (less than 1%) in addition to the loan interest.

< Example  3>

In the third embodiment according to the present invention, the total amount of repayment of principal in maturity is determined in won, and only a certain rate of exchange rate fluctuation is recognized during the exchange rate determined by the investor.

The investor or the lender may choose the exchange rate required to repay the investment principal at maturity date, but may be determined according to a fixed rate (eg 70%) of the exchange rate at the loan date and the change in maturity rate (eg KRW 100). For example, if the standard exchange rate announced by the foreign exchange agency at the time of loan is 1,000 won per dollar and the maturity exchange rate is 900 won per dollar, the exchange rate at maturity can be 930 won. At maturity, if the applied exchange rate is applied in the same manner as in the first and second embodiments, the investor will naturally select the applied rate as 900 won at maturity, in which case the debtor will be excessively burdened based on the won. If more than one exchange rate fluctuation occurs, apply the exchange rate according to the threshold or threshold. As described above, instead of applying the exchange rate to 900 won, only 930 won can be set as the exchange rate by applying only 70% of the change of 100 won.

In the previous example, the investor's return on investment accounts for loan interest rates (eg 7%) and exchange rate losses of 3%. For example, if you invested 1000 \, at the end of one year, the debtor would have to pay back 1070 \ of won based on the principle of the sum of principle. When the exchange rate is applied, a relative loss of 3% occurs at the maturity date ($ 1 = 900), but the final yield is guaranteed at 4%.

However, if the applied exchange rate is selected by the investor and the base rate rises to 1100 won as in the first and second embodiments above, the investor will naturally take the applied exchange rate to 1000 won, so that the investor will return $ 1.07. You will receive it at expiration. In this case, the investor can expect 1070 principles and exchange profits of W100, resulting in a total return of W170 (17% per year).

For reference, it is possible to obtain foreign currency risk management and foreign exchange market intervention costs by implementing the present invention. When a financial company loans its foreign currency to its lending customers in foreign currency, the foreign currency loan principle is paid at maturity. Because of the difference, you need to manage foreign exchange risk against the falling exchange rate during the loan period. Therefore, if there is a cost for foreign exchange risk management, and the government intervenes in the market by issuing foreign exchange equilibrium fund bonds to prevent export companies from weakening their international competitiveness due to the depreciation of the exchange rate, foreign government interest and foreign exchange losses will be covered by tax. Done.

However, when the “first embodiment” model is used by investors and importers, the exchange risk management costs can be reduced because the exchange risk transferred to the financial company can be eliminated. In addition, the foreign exchange policy authority also reduces the cost of foreign exchange management and reduces the tax burden on the public, because the market function will reduce or eliminate the size of the foreign exchange policy intervention by the foreign exchange policy lenders. In other words, if a financial company lends in a foreign currency and the customer repays in foreign currency, it does not affect the government's expenditure on foreign currency management expenses. Reduce the amount of intervention in the market.

For reference, the cost of foreign exchange management in 2006 was 4.6 trillion won (the Ministry of Finance and Economy submitted to the National Assembly in September 2006), which eventually entails the tax burden of the people.

According to the present invention, it is possible to obtain the effect of strengthening the competitiveness of the export enterprises and job creation, but if the exchange rate decreases, export companies deteriorate their export profitability according to their foreign currency deposits. When investing in commodities, even if the exchange rate decreases (the won's value rises), no exchange loss occurs, and the lending customers can be deferred for a certain period of time (until there is room for repayment of the principal). Can be.

In other words, if the borrowed company is freed from the loan interest repayment pressure for a certain period of time, there is no worry about the overdue interest burden, leading to an increase in corporate profits, which can expand investment and create employment and increase the economic growth rate. .

Hereinafter, a feature according to the present invention will be described in comparison with a loan related method that is conventionally used.

end. Comparison of Foreign Currency Deposits and Invention Models

Foreign currency depositors incur foreign exchange losses when the exchange rate falls.However, using the invention model, foreign currency borrowers repay the principal in the form of foreign currency when a future foreign consumer needs a foreign currency. I never do that.

① Exporter: Due to uncertainty in exchange rate fluctuations, foreign currency deposits are maintained without exchange into Korean won, but the method according to the present invention does not cause foreign currency loss even if the currency is converted into Korean won.

② Prospective immigrants: You do not have to deposit foreign currency because you do not know how the exchange rate will change at the time of immigration.

③ Overseas students: Foreign currency deposits do not have to be made in won deposits due to uncertainties in exchange rates at the time of remittances.

On the contrary, foreign currency depositors generate foreign exchange gains when the exchange rate rises, but this is an advanced method of operating financial instruments since the foreign investor selects an exchange rate at the time of loan and checks the exchange rate at maturity.

I. Comparison of Won-denominated Loans and Won-denominated Repayments and Invention Models

As a general lender who repays the principal in Korean won at the maturity after repayment in Korean won, it is neutral to exchange rate fluctuations because it repays the same KRW. In other words, whether the exchange rate rises or falls at maturity, the repayment of the principal in won represents the extinction of bonds and debts.

However, it is an advanced method for managing financial instruments, as there is no exchange loss and there are always foreign exchange gains. In addition, the invention model has the advantage of significantly lowering the interest burden at the time of lack of funds because the investor defers the loan payment (payment) or loan payment interest for a certain period. This can free you from overdue interest.

All. Benefits Lenders Can Expect in the Invention Model

Interest can be deferred until the loan maturity date. Considering that loans are lacking due to insufficient funds, interest burden until maturity is small even if they are repaid in won-denominated loans and won-denominated loans. For example, housing loans contribute to the stabilization of the housing market because there is little interest burden until the time of the lease.

If a borrower expects an increase in the value of the won (decrease in exchange rates) and buys a loan in foreign currency to buy a house, if the exchange rate rises (decreases in the won's value), in addition to the loan interest burden, there is an additional side effect of the expenditure on the won. However, you may face overdue interest and management difficulties, but if you are deferred from interest payments, you may be able to prevent foreign exchange risks with only interest on interest.

la. For general investors who expect return on investment

Generally, loan interest is about 2% higher than deposit interest rates (foreign currency deposits or term deposits) and government bond investment returns, which is stable and high.

In particular, the invention model, which invests interest in loan customers, is higher than compound interest in that a certain rate of return can be expected, and if the interest rate is applied by eliminating the probability of incurring the delinquency interest of the borrower, it will be compensated as investor's profit. Can be. In addition, exchange rate gains can be expected when the FX rate rises.

hemp. Comparison of foreign currency loan customers and invention models

Foreign currency loans come with risks when the exchange rate rises (depreciation of the won). However, if the loan interest is deferred, if the fund manager (experts) manages the exchange risk at an appropriate time, which is equivalent to the compound interest rate on the loan interest, the exchange risk management and exchange gains can be realized without additional exchange risk management expenses. For example, an expert can improve the lender's profit even if he only trades one forward exchange at a time when the exchange rate is clear.

For reference, when the use of the present invention is in the household sector, the investor can realize a higher return than the deposit interest, and thus increases consumption expenditure, and when the borrower is a tenant who has received an apartment sale, the loan interest is paid in the fund until the time of moving in. Investors can free up overdue interest burdens, so real income growth also entails increased consumption, which can increase lenders' creditworthiness while driving economic growth. It also helps to stabilize the apartment market. As financial burdens decrease, additional costs will not be passed on to third parties. In addition, the increase in real income in the household sector is accompanied by an increase in consumption expenditure, which can be expected to drive economic growth by increasing sales of self-employed business and sales of companies.

On the other hand, the operation according to the embodiment described above is recorded and stored on a recording medium such as a hard disk, RAM device, ROM device, compact disk, DVD, CD-ROM, magneto-optical disk, floppy disk, digital tape, etc. Can be.

As described above, the present invention has the advantage of being able to be freed from exchange loss even if the exchange rate decreases (increase in won value) from the foreign currency depositor (or investor) and the foreign currency loan financial company, and the lender defers the loan interest payment during the loan period. You can get a stable management during periods of insufficient funds. When the exchange rate rises, both investors and lenders are identical to current foreign currency deposits and foreign currency loans.

Furthermore, it can fundamentally prevent foreign exchange depositors (exporters) from generating foreign exchange losses, which can contribute to the improvement of corporate management as well as to the improvement of international competitiveness, the creation of employment and economic growth, and the It is a financial system that is more advanced than the existing foreign exchange management system because it not only reduces the exchange risk management cost but also reduces the tax burden on the people by reducing the foreign exchange management cost of the foreign exchange policy authority.

In detail, first, in the case of an investor or a lender, choosing an applied exchange rate at maturity can be freed from the risk of exchange rate fluctuations.

Second, lenders are deferred from interest payments during the loan period, so that the burden of funds can be alleviated during difficult funding periods. In addition, there is an advantage that the fund manager or loan customers to prepare for the risk of exchange rate fluctuations by the amount of compound interest for loan interest only. If you choose a fixed rate of exchange rate fluctuation during the loan period (for example, 70% of the change in 100 won) as the applied rate when you repay the maturity date, you will not repay the loan interest even if you do not manage the exchange risk when the exchange rate rises (decrease in won value). Considering this, there is an advantage that the additional burden is not great. In other words, it may be more advantageous than paying overdue interest because you have not been suspended.

Third, the average investor can expect a return on investment at a lending rate higher than the deposit rate.

Fourth, foreign exchange policy authorities can reduce the cost of foreign exchange market intervention. The reason is that Korean won loans are repaid in foreign currency, so they can take the role of the government in the face of falling exchange rates.

Fifth, if the user is the current foreign currency consumer (foreign lender) and the future foreign currency consumer (foreign currency depositor), it can function to match mutual understanding. In other words, if a foreign currency depositor, who is a future foreign currency consumer, converts into KRW instead of foreign currency deposit and invests in the same model, the foreign currency demand will be repaid at the maturity of the fund with a higher return on investment than the foreign currency deposit rate. If the export / import payment is denominated in foreign currency, it can be freed from the risk of exchange rate fluctuation because it is necessary to repay foreign currency.

Moreover, the winners of the apartments are also available. For example, if you are deferred loan interest when you lack funds and repay the interest deferred using cheonsei funds at the time you move in, you do not have to pay overdue interest. In addition, the equivalent interest (0.5%) on the deferred interest can prepare for the risk of exchange rate fluctuations. For reference, foreign exchange risk management costs are much lower than overdue interest (19% per year), and they are burdened with interest equivalent to interest.

Claims (10)

In the financial system for lending in the first country currency and repayment in the second country currency, An exchange rate determination unit for acquiring exchange rate information between the first and second country currencies based on a loan point or maturity point and setting a predetermined exchange rate; An operation unit for calculating a repayment principle including the principal and the accrued interest at the second currency in accordance with the exchange rate set by the exchange rate determining unit; A database unit for storing information related to the deposit and loan and customer information; And A financial management unit controlling the operation of the operation unit and managing the database according to the exchange rate information set by the exchange rate determination unit; Financial system comprising a. The method according to claim 1, A date management unit for alarming by counting a specific date due to the deposit and loan; And, And a messaging unit configured to transmit a message to the customer according to an alarm generated in the date management unit. An exchange rate determination unit for acquiring exchange rate information between the first and second country currencies based on the loan time or the maturity time and setting a predetermined exchange rate; and at the maturity of the loan according to the exchange rate set by the exchange rate determination unit. A calculation unit for calculating a repayment principle including principal and pre-occurring interest into the second national currency, a database unit for storing information related to the deposit and loan, and customer information; And a financial management unit having a financial management unit controlling the operation of the operation unit and managing the database according to the exchange rate information set by the exchange rate determining unit. Performing a loan to a lender in a first country currency and storing the loan related information in a database; Deferring interest according to the loan until the loan expires; A third step of determining an exchange rate for repayment of the second national currency at the time of the loan maturity; And A fourth step of calculating and processing a repayment amount in a second country currency in accordance with the determined exchange rate; Financial system operating method comprising a. The method according to claim 3, The third step is a financial system operating method, characterized in that for applying only a certain ratio of the exchange rate change in consideration of the fluctuation range of the exchange rate at the time of loan and maturity. The method according to claim 4, The third step is a financial system operating method, characterized in that for applying the exchange rate in accordance with the reference value when the exchange rate fluctuation occurs more than the reference value at the time of loan and maturity. The method according to claim 3, The third step is the financial system operating method, characterized in that for determining the exchange rate in accordance with the exchange rate of the loan date or maturity date. The method according to claim 3, And managing risk according to an investment trust agreement or a loan client's demand in order to manage currency risk. In a financial system that calculates a repayment amount in a second country currency on a loan loan in a first country currency, The principal repayment amount for interest and principal originated from the loan amount shall be calculated in the second currency, and the applicable exchange rate shall be based on the exchange rate on the designated date selected by the investor or financial company or within the range of exchange rate fluctuations during the loan period. An operation unit for calculating a repayment amount in a second country currency; And And a database that stores information related to the loan and customer information. The method according to claim 8, The exchange rate designation date selected by the investor or the financial company is a loan date or maturity date. An exchange rate determination unit for acquiring exchange rate information between the first and second country currencies based on the loan time or the maturity time and setting a predetermined exchange rate; and at the maturity of the loan according to the exchange rate set by the exchange rate determination unit. A calculation unit for calculating a repayment principle including principal and pre-occurring interest into the second national currency, a database unit for storing information related to the deposit and loan, and customer information; And a computer readable recording medium recording a program for operating a financial system having a financial management unit for controlling the operation of the operation unit and managing the database according to the exchange rate information set by the exchange rate determining unit. Performing a loan to a lender in a first country currency and storing the loan related information in a database; Deferring interest according to the loan until the loan expires; A third step of determining an exchange rate for repayment of the second national currency at the time of the loan maturity; And A fourth step of calculating and processing a repayment amount in a second country currency in accordance with the determined exchange rate; Record carrier recording a program for processing.

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