KR20090017793A - Online system for loan against securities account and online trading method using the same - Google Patents

Abstract

A system and a method for offering a loan by taking an online stock account as security are provided to offer and collect the loan everyday by evaluating the stock account in real-time and taking the evaluated stock account as the security. A client computer is connected to the network(202), and transmits loan information received from a borrower, who makes a contract for a stock account-guaranteed loan with a stock company, to the outside. A server computer(20) is connected to the client computer and offers a loan by evaluating the received loan information and a stock account(206) of the borrower. The server computer collects all or a part of the loan everyday by evaluating loan management of the borrower.

Description

Online System for Loan against Securities Account and Online Trading Method using the Same}

The present invention relates to a securities account secured loan system and an online securities account secured loan transaction method using the same. More specifically, the present invention relates to an online securities account secured loan system for lending and managing stock management funds by collateralizing cash and stocks in a securities account and an online securities account secured loan transaction method using the same.

Conventional securities account secured loan system evaluates the securities account at the time of the loan and commits the loanable amount and its loan period. However, since the value of the securities account varies depending on the borrower's fund management, there is a problem that the loanable amount does not reflect the value of the actual securities account.

Therefore, although the value of the securities account increases, the borrower may receive more loans. However, it is cumbersome to renew the loan agreement separately for additional loans. Unnecessary payment of cash remaining in the securities account is required. did.

In addition, securities firms were required to maintain contract loans despite the risks associated with the recovery of principal and interest due to deterioration in value due to poor management of securities accounts.

An object of the present invention is to provide a securities account mortgage loan system for evaluating the securities account in real time, and loan and recover the loan amount based on the securities in real time.

Online securities account mortgage loan system according to an aspect of the present invention,

A network communication network in which data communication is performed;

At least one client computer connected to the network network and capable of transmitting externally loan information data input by a lender having a loan agreement secured by a securities company and a securities account; And

The client computer is connected to the network communication network, and the loan information data received from the client computer and the securities account of the lender are evaluated to execute the payment of the loan, and the lending of the borrower is evaluated to determine the total or all of the loans on a daily basis. It includes a server computer to recover some.

Securities account collateral loan transaction method according to another aspect of the present invention,

A data input step of a lender having a loan agreement secured by a securities company and a securities account, inputting loan information data to a client computer and transmitting the loan information data to a server computer;

A loan amount evaluation step of evaluating the loan amount by evaluating the loan information data and the securities account of the lender;

A loan payment step of paying the loan within the limit of the loanable amount to the lender's securities account;

A fund management evaluation step of evaluating the borrower's fund management; And

And a recovery step of recovering all or part of the loans on a daily basis in the lender's securities account.

When using the securities account mortgage loan system according to the present invention, securities firms evaluate the securities account in real time and calculate the rational loan amount according to the performance to prevent risks, and the lender manages the loaned funds. After that, repaying the remaining amount on a daily basis can reduce interest expenses.

1 is a block diagram showing the configuration of a security account security loan system according to an embodiment of the present invention.

According to this, the security account secured loan system includes a client computer 10 and a server computer 20 connected by the client computer 10 and the network communication network 30.

The client computer 10 is provided with a dedicated emulator or a web browser to allow data communication through the communication line with the server computer. In this way, the client computer 10 transmits to the server computer various loan information data input by the lender who secured the loan with the securities company and the securities account.

Loan information data entered by the lender can be variously configured according to the actual agreement, such as account number, password, loan application amount. For example, even if a loan limit is set in the loan agreement and a separate loan application amount is not set, if a loanable amount is automatically deposited within the loan limit within the loan limit, a separate loan application amount may not be entered. However, if the loan application amount is entered at every entry, the loan application amount must also be entered by the lender.

Dedicated emulators installed on client computers can typically be added to emulators for home trading systems that can be traded online.

The server computer 20 receives the loan information data sent by the client computer 10. The server computer 20 evaluates the applied loan information data and the securities account information in the securities account database in real time to pay all or part of the contracted amount or the applied loan amount in real time if the loan is evaluated as possible. If the loan is deemed impossible, the loan will not be executed.

In addition, the server computer 20 evaluates the lender's securities account in the market and permits the lender to continue to manage the funds alone if the evaluation results meet the prescribed criteria, and if not, intervene in the lender's money management. To manage.

The server computer 20 also recovers the loan amount after the end of the daily stock market. The amount recovered is preferably to recover the entire cash balance, but can be changed by agreement between the lender and the broker.

The network communication network 30 is a communication network in which data communication is performed between computers through a wired or wireless Internet.

2 is a block diagram illustrating an embodiment of a server computer according to the present invention. According to this, the server computer 20 uses the data receiving means 201, the data recognizing means 202, the calculating means 203, the loan execution means 204, the evaluation means 207, and the loan repayment means 205. Include.

The data receiving means 201 is means for receiving loan information related data transmitted from the client computer 10. The loan information data entered by the lender includes an account number, a password, and a loan application amount.

The data recognizing means 202 is a means for reading data on the lender's securities account from the securities account database 206. The data on the securities account includes the securities valuation amount, the cash balance, and the like, and the securities account database 206 may be included in the server computer 20.

The calculating means 203 receives the loan information data and the data on the securities account from the data receiving means 201 and the data recognizing means 202, aggregates them, and the loanable amount of the loan amount applied within the contracted loan limit. Calculate

The loan execution means 204 receives the loan amount from the calculation means 203 and deposits the loan amount into the lender's securities account. At this time, the deposit to the securities account is made by the securities company in advance to the securities account, the loan (savings) bank is a method of post-settlement, or as shown in Figure 3 to apply to the loan bank and transfer funds directly from the lending bank to the securities account This can be done by. At this time, if the loanable amount is automatically deposited in the lender's account within the loan limit, it is preferable that the loan be executed on a daily basis before opening.

The evaluation means 207 evaluates the funding status and operating status of the lender's securities account in the server computer 20. Evaluation can be done in various ways using the risk management system (RMS) of each securities company, such as comparing the total balance of the securities accounts and the loan amount.

The loan repayment means 205 may recover some or all of the loan amount according to the evaluation of the evaluation means 207. For example, the loan amount to be recovered is preferably the total amount of cash remaining in the securities account within the contracted loan limit after the end of the day.

On the other hand, in order to more effectively utilize risk management according to the evaluation means 207, the management means 208 and the termination means 209 that the securities company intervenes in the securities account of the lender may be further included.

4 shows a block diagram of a server computer further including management means and termination means as another embodiment of the present invention. In the present embodiment, the same components as those of the embodiment of FIG. 2 are denoted by the same reference numerals, and descriptions of the overlapping components will be omitted.

The management means 208 is executed when the evaluation of the lender's account from the evaluation means 207 does not meet certain safety criteria. Management is divided into management of buy and sell. Purchase management is performed by allowing the borrower to approve or reject the specific securities when the buyer wants to buy the securities. Selling management is carried out by the lender if the balance of the borrower's securities account is not sufficient to cover the loan and its interest. This is done by selling securities in the market and securing a cash balance.

The termination means 209 terminates the loan agreement between the lender and the securities company in the event of a contractual reason such as the termination of the contract period or the sale management due to the lender's insolvency account.

Hereinafter will be described the securities account mortgage loan trading method according to the present invention.

Figure 5 is a flow chart illustrating an embodiment of a securities account secured loan transaction method according to another aspect of the present invention. According to this, the securities account secured loan transaction method is a loan information data input step (S1), loan amount evaluation step (S2), loan payment step (S3), borrower fund management step (S4), lender fund management evaluation step (S5) It includes, lender fund management step (S6), lender fund management management step (S6-1), loan collection step (S7), and termination determination step (S8) and termination step (S9).

First, in the loan information data input step (S1), when a lender with a securities company and a securities account secured loan agreement enter loan information data into a client computer, the input data is transmitted to the server computer.

Next, in the loan amount evaluation step (S2), the server computer reads the transmitted loan information data and internal securities account information, and determines that the loan amount is paid if the loan is possible according to the security of the securities account. It is determined not to pay the amount, and move to the lender fund management management step as will be described later.

On the other hand, when the lender directly inputs the loanable amount, the lender may input the loan application amount again when the loanable amount is exceeded. Even in this case, if the account is assessed as not available for loan, it will move to the borrower's fund management stage.

Next, in the loan payment step (S3), the server computer deposits the loan in the lender's securities account. In this case, the deposit into the securities account may be made by a securities company in advance to the securities account, the lending bank post-settlement, or by applying to the lending bank to transfer funds directly from the lending bank to the securities account.

Next is the borrower's fund management stage (S4), the borrower operates independently after the loan.

Next, in the borrower's fund management evaluation step (S5), the server computer evaluates the security of the borrower's securities account according to the internal safety standard. At this time, if the lender's securities account satisfies the safety standard, the lender can continue to operate the funds of the securities account independently (S6). Involved in managing the securities accounts' funds (S6-1).

Next, the loan recovery step S7 recovers some or all of the loan after the daily long-term termination. Recovery of the loan is made by loan agreement. If the security of the securities account is high, some of the securities will be recovered as promised. If the security of the securities account is lower than the agreement, the securities company may recover all of the securities after the lender sells the securities.

The following is a termination judgment and termination stage (S8, S9), if the contract period expires, or if the security of the lender's securities account does not meet the commitment criteria, the securities company sells the securities of the lender and then terminates the loan agreement.

Hereinafter will be described in more detail securities account mortgage transaction method according to the present invention.

The amount that can be borrowed between the securities company and the lender is, for example, ((Evaluation of the day account-the amount of the day loan) x 3-the amount of the day loan), and if the expected amount is greater than the amount of the loan, the securities company sells the securities and terminates the contract. Bears. Where 3 is the maximum loanable multiple under the loan agreement and is a factor that can be changed according to the agreement.

Through the client computer, the lender requests a loan of 300 won, which is a loan amount of 100 won, or an automatic loan amount of 300 won, which is applied to a stock or cash of 100 won of operator funds. The server computer evaluates the borrower's securities account and the loan application amount and deposits 300 won, which is a loanable amount, into the lender's securities account.

If the lender operates 400 won in the securities account and the server computer evaluates the securities account in real time to confirm that there is no risk, the borrower continues to let the borrower manage the funds independently and does not intervene in the management of the securities account.

After the close of the day, if the lender's operation results in a stock valuation of 350 won and a cash of 50 won and the account valuation reaches 400 won, the server computer collects 50 cash.

The next day, the lender will receive 100 won as the working capital, which is the amount of the valuation of 350 won minus the remaining 250 won. At this time, since the borrower's loan amount is three times 300 won, an additional 50 won can be borrowed from the expected withdrawal of 250 won.

Such a loan embodiment of the loan system operation according to the present invention is summarized as shown in Table 1.

Stock Valuation 330 335 340 345 350 355 360 365 370 Cash balance 50 50 50 50 50 50 50 50 50 Total balance 380 385 390 395 400 405 410 415 420 Profit and loss -5.00% -3.75% -2.50% -1.25% 0.00% + 1.25% + 2.50% + 3.75% + 5.00% Existing Loan 250 250 250 250 250 250 250 250 250 Treasury 80 85 90 95 100 105 110 115 120 Loan 240 255 270 285 300 315 330 345 360 Additional loans -10 5 20 35 50 65 80 95 110

For example, if the stock valuation is 340 won and the cash is 50 won, the valuation is 390 won and the cash is reimbursed at 50 won, and the working capital is 250 won remaining from the valuation of 340 won. Since the amount minus 90 won, the loanable amount is three times 270 won, so 20 won can be borrowed again.

In addition, if the stock valuation is 360 won and cash is 50 yuan, the valuation is 410 won and the cash is reimbursed at 50 won. The manager's funds will be reimbursed from the valuation of 360 won. Since the subtracted amount is 110 won, the loanable amount is 330 won, which is three times the loan amount, so 20 won can be borrowed again.

On the other hand, if the stock valuation is 330 won and cash 50 won, the valuation is 380 won and the cash 50 won is repaid as shown in the first left after closing the daily market. The next day's opening, the working capital is 80 won minus the remaining loan 250 won from the account value of 330 won, and the maximum loan amount is 240 won, which is three times the loan amount, so the lender can no longer borrow. In addition, the server computer manages the securities account of the lender according to the criteria of the loan agreement, so that the securities can be sold and the loan agreement can be terminated regardless of the lender's intention.

Although the present invention has been described primarily with reference to the above embodiments, many other possible modifications and variations can be made without departing from the spirit and scope of the invention. For example, changes in the system due to changes in the borrower's account valuation method, changes in the amount of loans available under the loan commitments, or changes in the reason for termination. On the other hand, this specification has been described mainly for stock trading, it will be applicable to transactions such as bonds, beneficiary certificates, futures, options.

The scope of the above-described invention is defined in the following claims, not bound by the description in the text of the specification, all modifications and variations belonging to the equivalent scope of the claims will fall within the scope of the invention.

1 is a block diagram showing the configuration of a security account security loan system according to an embodiment of the present invention.

2 is a block diagram illustrating one embodiment of a server computer according to the present invention;

3 is a block diagram showing another embodiment of a server computer according to the present invention;

Figure 4 is a block diagram of a server computer further comprises a management means and a termination means in the server computer as another embodiment of the present invention.

Figure 5 is a flow chart illustrating an embodiment of a securities account secured loan transaction method according to another aspect of the present invention.

<Description of the symbols for the main parts of the drawings>

10: client computer 20: server computer

30: network communication network 201: data receiving means

202: data recognition means 203: calculation means

204: loan execution means 205: loan repayment means

206: lender securities account 207: evaluation means

208: management means 209: termination means

Claims (14)

A network communication network in which data communication is performed; At least one client computer connected to the network network and capable of transmitting externally loan information data input by a lender having a loan agreement secured by a securities company and a securities account; And The client computer is connected to the network communication network, and the loan information data received from the client computer and the securities account of the lender are evaluated to execute the payment of the loan, and the lending of the borrower is evaluated to determine the total or all of the loans on a daily basis. An online securities account secured loan system that includes some retrieving server computers. The method of claim 1, The server computer, Data receiving means for receiving loan information data input by the lender; Data recognition means for reading the account information data of the securities account of the lender; Calculating means for evaluating the loan information data and the account information data to calculate a loanable amount; Loan execution means for depositing a loan amount applied by the borrower into a securities account within the limit of the loan amount; Evaluation means for evaluating the fund management of the lender's securities account, and And a loan repayment means for recovering a part or all of the loan amount from the lender's securities account on a daily basis. The method of claim 2, The loan amount collected by the loan repayment means is the total amount of cash remaining in the securities account within the contracted loan limit, the online securities account secured loan system. The method of claim 2, The loan repayment means is an online securities account secured loan system, characterized in that for recovering the loan amount after the end of the long day. The method of claim 2, The loan execution means is an online securities account secured loan system, characterized in that the securities company prepays the securities account, and the loan bank post-settlement. The method of claim 2, The loan execution means is an online stock account security loan system, characterized in that for transferring the loan amount from the loan bank account. The method of claim 2, And the server computer further comprises management means for managing the borrower's money operation according to the evaluation of the evaluation means. According to claim 7, The management means is a security account security loan system that permits or rejects the borrower's securities purchase orders. According to claim 7, The management means is a securities account secured loan system to counter-sell the securities purchased by the lender. According to claim 7, And the server computer further comprises a termination means for terminating the loan agreement with the lender. The method of claim 10, And the termination means terminates the loan agreement with the lender by the evaluation of the evaluation means. The method of claim 11, And the termination means terminates the loan agreement with the lender by the expiration of the loan agreement. The method of claim 1, The payment of the loan is on-line security securities loan system, characterized in that the daily unit is made. A data input step of a lender having a loan agreement secured by a securities company and a securities account, inputting loan information data to a client computer and transmitting the loan information data to a server computer; A loan amount evaluation step of evaluating the loan amount by evaluating the loan information data and the securities account of the lender; A loan payment step of paying the loan within the limit of the loanable amount to the lender's securities account; A fund management evaluation step of evaluating the borrower's fund management; And And a recovery step of recovering all or part of the loan on a daily basis from the lender's securities account.

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