KR20100079747A - System for managing a loan of money market employment - Google Patents

Abstract

PURPOSE: A system for managing a loan of a banking member is provided to provide an additional prime rate by including or excluding a finance-related license in an index calculation, thereby increasing competitive power in the loan market. CONSTITUTION: Bank clerk terminals(2) transmits finance related license owning information of a client to a financial server(6). The bank clerk terminals outputs information on whether the client is acceptable for a loan from a financial server and an available loan amount. The financial server automatically calculates a risk rate by receiving credit information and previous loan breakdown information about a relevant client. A credit rating company server(22) provides the credit information of a client and asset information.

Description

SYSTEM FOR MANAGING A LOAN OF MONEY MARKET EMPLOYMENT}

The present invention relates to a loan management system for a financial person, and more specifically, to a financial person working at a financial institution, the risk index for each customer reflecting the credit and financial related qualifications and importance of each customer in connection with a credit rating agency. The present invention relates to a loan management system for a financial person who calculates loans, and whether loans are determined by risk index, loan amounts, and loan interest rates are determined to perform loan processing quickly.

As is well known, the credit business of financial institutions, such as banks and credit companies, plays an important part in modern society, and the profits of financial institutions are typically generated from credit / receiving business. I'm trying to do my job.

Recently, with the Capital Market Consolidation Act in place, measures to effectively improve the financial institution's system are being pursued. Competitive system for preempting superior customers and attracting new customers by changing the system or establishing a new system. It is the situation which is entering into.

On the other hand, in the domestic market, the lending market has shrunk rapidly due to credit card turmoil, and risk management is very important when selling loan products. Therefore, the domestic lending market usually focuses on collateral loans rather than credit loans. .

The foregoing invention refers to the background of the art to which the present invention pertains, and does not mean the prior art which is widely known in the art.

However, in the United States, if an excessive real estate bubble exists, even if a loan ratio is set for the mortgage lower than the market price, the financial institution that sold the loan with the real estate at the time the real estate bubble is removed will Inevitably, there is a problem in that it is very difficult to recover the loan amount because the auction market is also contracted in the real estate contraction.

In addition, in order to maintain asset quality of financial institutions in recent years, there is a problem that the credit lending market is rapidly contracting because it focuses only on excessively secured loans.

For example, in the case of a financial person, the creditability is very good and the retirement age is almost guaranteed. In the case of financial-related certificates, it is very difficult to obtain a certificate. Therefore, high credit ratings must be reflected. There is a need for additional lending because it is very small, and it is not suitable for the demand and supply of the lending market.

The present invention was created to improve the above problems, and calculates the loan index for each customer reflecting the credit and financial certification status and importance of each customer in connection with the credit rating agency for financial workers working in financial institutions. The purpose of this study is to provide a loan management system for a financial person who performs loan processing by performing loan processing by determining loan appropriation, loan amount and loan interest rate according to the loan index.

Loan management system for a financial person according to the present invention is provided in the window, and provides a loan management server (8) for providing information on the loan product, receiving and registering the subscription signal and customer information for the loan product Receiving information on the loan product from the financial server (6) and outputs the screen, and inputs the personal information of the customer and the possession information related to the financial certificate to transfer to the financial server (6), the financial server (6) A rowing terminal 2 for outputting loan availability information and loanable amount information transmitted from the screen and generating an input signal for whether to join the product to the financial server 6; Provides information about the loan product from the cashier terminal (2), receives and registers the selection signal and customer information about the loan product, possession information of the financial certificate, credit for the customer reflecting the presence or absence of the certificate, the importance By automatically calculating the risk rate by receiving the information and the expected breakdown information, the loan is automatically calculated and whether the loan is possible, and the calculation information is transmitted to the cashier terminal 2 to receive a signal indicating whether or not to register and process the registration. A financial server 6; The financial server 6 is provided with a loan management system for a financial person, characterized in that it comprises a credit rating agency server 22 for providing asset information for identifying customer credit information and payment ability.

Preferably, the financial server 6 calculates the loan index through the credit quality information including asset quality, average working years, and salary of the financial institution in which the customer works, and whether or not financial related certifications exist and the importance of the certifications. And, a loan management system for a financial person is provided, characterized in that configured to perform a process for calculating the loan amount and the interest rate through the loan index.

Preferably, the rowing terminal (2) outputs information on the loan product, and outputs a file for inputting personal credit information, personal information, financial information related to certificate information in the form of a web document, request for subscription of the loan product There is provided a loan management system for a financial person, characterized in that a business API (4) is provided for processing real-time data communication for uploading a file to the financial server (6).

Preferably, the financial server (6) calculates the risk ratio through the credit information and expected information, asset information, the presence of financial-related certifications, the importance of the certification for each customer, and calculates loan availability and loanable amount and loan interest rate Loan management server 8 and the; Provided is a loan management system for a financial person, characterized by being divided into a database management server (DBMS: 16) that performs file management for various data.

Preferably, the loan management server 8 is an authentication processing unit 10 for performing a user authentication process through the unique number and login information (ID and password) of the API transmitted from the work API (4) of the rowing terminal (2) )Wow; A loan information inquiry unit 12 for retrieving customer credit information and expected information, asset information on payment ability, and information on a financial certificate; A loan amount calculator 14 is provided to calculate a loan amount for the loan product in consideration of the loan index of the customer, and the DBMS 16 has various data processed by the loan management server 8 therein. In order to manage the database 20 for storing the data, there is provided a loan management system for a financial person, characterized in that the file extraction / update unit 18 for extracting and updating the various data is provided.

Preferably, the database 20 stores the loan subscription information, the customer's credit information and payment ability information, whether or not the financial-related certification, the importance of the certification and the certificate issue number, and the loan index information calculated through the corresponding customer information. And loan amount information, loan interest rate information is provided a loan management system for a financial person, characterized in that the database is stored.

Preferably, the financial server 6 receives the customer information and subscription information for the loan product, financial-related certificate information held by the customer from the cashier terminal 2 therein, and the credit rating agency server 22 A data receiving unit for receiving credit rating information on the credit information and the payment ability of the customer from the; A data transmitter for transmitting loan applicability information, loan amount information, and applicable interest rate information to the cashier terminal 2 and transmitting a subscription approval signal for the loan product; A control unit for controlling driving of each processor in response to the access signal and the condition setting signal from the destination terminal 2, and for controlling file extraction and transfer processing from the database 20 to the terminal during file storage or reading; A mortgage / credit inquiry processor for inquiring credit information, collateral information, and anticipation information of the customer transmitted in association with the credit rating agency server 22 and managing the risk information by monitoring the corresponding customer information at regular intervals; Evaluate the payment ability according to the credit information and expected information, customer industry information and job title and salary information of the customer transmitted in conjunction with the credit rating agency server 22, and includes the financial-related certification information possessed by the customer A loan amount / interest calculation processor for calculating the loan index and the interest rate by calculating the risk index; A loan information management processor for managing loan information sold to a customer, that is, loan amount information and period information, principle fund setting information, and deferment information; A loan processing processor interworking with the loan information management processor 32 to automatically process payment processing of the loan amount to a customer designated account; A loan management system for a financial person is provided, further comprising a loan repayment management processor interworking with the loan information management processor 32 to manage the principle payment repayment state according to the loan amount, the deferred information, and the repayment condition information.

As described above, the loan management system for the financier according to the present invention is not included in the calculation of the conventional CSS rating, but whether or not the possession of the certificate and the qualification of financial-related certifications that can substantially increase the credit competitiveness of customers when working with financial institutions Including the importance in the loan index calculation provides loan amount and additional preferential interest rate, which has the effect of preoccupying the competitiveness of the lending market by supplying loan products to the additional loan demand of the financial person.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of a loan management system for a financial person according to the present invention. The terms to be described below are terms defined in consideration of functions in the present invention, which may vary depending on the intention or convention of a user or an operator. Therefore, definitions of these terms should be made based on the contents throughout this specification.

1 is a block diagram showing the configuration of a loan management system for a financial person according to an embodiment of the present invention.

Referring to this, the loan management system for a financial person according to an embodiment of the present invention is a risk for each customer reflecting the degree of credit and financial related certification and importance of each customer by interworking with a credit rating agency for financial people working in financial institutions. It is a system that performs the loan processing by calculating the index and determining loan appropriation, loan amount, and loan interest rate by risk index.

More specifically, the loan management system for a financier according to an embodiment of the present invention, the basic credit rating information obtained through a credit rating agency, and financial related credentials possessed by the creditor in order to manage the loan products for the financier It is a system that calculates the customer's risk index that reflects the type and importance, and determines the loan amount and loan interest rate according to the risk index so that loan processing is performed to reflect actual individual competitiveness in the loan product.

To this end, a loan management system for a financial person according to an embodiment of the present invention is provided in the window, and provides loan information, and loan management to receive and register the subscription signal and customer information for the loan product Receiving information on the loan product from the financial server 6 including the server (8), and outputs the screen, inputs the personal information of the customer and the certificate information related to the financial certificate and transmits it to the financial server (6) In addition, a row terminal 2 is provided which outputs loan appropriation information, loanable amount and loan interest rate information transmitted from the financial server 6 and generates an input signal for whether or not to join the product to the financial server 6.

At this time, the rowing terminal (2) outputs the information on the loan product, and outputs a file for inputting personal credit information, personal information, information on the possession of financial certificates in the form of a web document, the subscription request file of the loan product Is provided with a business API (Application interface: 4) for processing the real-time data communication to upload to the financial server (6).

On the other hand, the loan management system for the financial person according to an embodiment of the present invention provides information on the loan product from the cashier terminal (2), the selection signal and customer information for the loan product, possession information of the financial certificate Receive registration, receive credit information about the relevant customers reflecting the presence or absence of certification, and the expected breakdown information automatically calculates the risk ratio by automatically calculating loan adequacy, loan amount and loan interest rate, the calculation information It is provided with a financial server (6) for transmitting to the cashier terminal (2) to receive a signal for subscription or not.

In addition, the financial server (6) calculates the risk ratio through the credit information and expected information, asset information, financial information and whether there is a financial certificate, and the importance of the license, and calculates loan availability, loan amount and loan interest rate A loan management server 8; It consists of a database management server (DBMS: 16) (Database Management Server) that performs file management for various data.

The loan management server 8 is provided with an authentication processing unit 10 for performing a user authentication process through the unique number and login information (ID and password) of the API transmitted from the business API (4) of the rowing terminal (2) Loan information inquiry unit 12 is provided for inquiring the customer's credit information and expected information, payment ability asset information, and information on financial certifications, and reflects the risk rate of the customer. A loan amount calculation unit 14 for calculating a loan amount for one loan product is included.

Also, the DBMS 16 extracts and updates a file 18 to extract and update various data to manage the database 20 storing various data processed by the loan management server 8 therein. ) Is provided.

In addition, it stores the loan subscription information and customer credit information and payment ability information, financial related certification status, certification importance and certification issue number transmitted from the cashier terminal 2 through the financial server 6, and stores the corresponding customer information. The database 20 stores the risk ratio information, loan amount information, and loan interest rate information calculated through.

On the other hand, the loan management system for a financial person according to an embodiment of the present invention is provided with a credit rating agency server 22 for providing asset information for grasping customer credit information and payment ability to the financial server (6) F. The process of calculating the loan allowance and the loanable amount by automatically calculating in the financial server 6 through the customer information provided from the credit rating agency server 22 is handled differently from that of the general customer CSS. The customer applied in this system is a loan processing system for customers limited to the financiers. The credit rating information includes the existence of financial certifications and the importance of the certifications. Because it calculates the amount.

Figure 2 is a state diagram showing the data flow of the loan management system for the financial person in accordance with an embodiment of the present invention.

Referring to this, in the loan management system for a financial person according to an embodiment of the present invention, when a customer who is a financial person visits a window and asks a cashier to output information about a loan product, the cashier uses the cashier terminal 2. Access the loan management server 8 by operating the business API (4) included therein to view information on the loan product, generate a subscription signal for the loan product, and correspond to the application output on the screen The personal information of the customer is input and processed.

At this time, the application is to enter the financial related certification of the customer, the financial certification, the issue number of the license bar, depending on the importance of the financial certification, you may receive preferential rates, loan management server ( 8) exponential arithmetic processing through financial certification. In fact, financial certification is a very important factor that will greatly affect the personal credit rating because it is difficult to obtain the financial credibility of the customer when working for a financial company.

Then, the loan management server 8 authenticates the customer through the customer information transmitted from the rowing terminal 2, and transmits the customer information to the credit rating agency server 22 to inquire about the payment ability, that is, It comprehensively inquires real estate ownership information such as apartments and financial institution where customers work. In addition to the inquiry result information, the presence or absence of financial-related certifications and the importance of the certifications are used to comprehensively process the risk index of the corresponding customer to determine loan availability and automatically calculate loan amount information and loan interest rates.

Then, the calculated information is transmitted to the cashier terminal 2, and the user generates a signal for a product subscription decision after checking the loan availability information, and the loan management server 8 according to the signal. Register the registration information.

Thereafter, the loan management server 8 checks whether there is a change in the credit information of the corresponding customer at regular intervals from the credit rating agency server 22, and determines the repayment amount for the loan amount by resetting the risk rate when the change occurs. And additional loan amount information is calculated and notified to the corresponding cashier terminal 2 when the additional loan is possible.

3 is a block diagram showing the configuration of a financial server included in a loan management system for a financial person according to an embodiment of the present invention.

Referring to this, the financial server 6 included in the loan management system for the financial person according to an embodiment of the present invention includes a data receiving unit, a data transmitting unit, an authentication processing unit, a controller, a mortgage / credit inquiry processor, and a loan amount. It consists of interest rate operation processor, loan information management processor, loan processing processor and loan repayment management processor, and database.

Reference numeral 24 receives customer information and subscription information on loan products and financial related certificate information held by the customer from the cashier terminal 2, and the credit rating and payment ability of the customer from the credit rating agency server 22. Represents a data receiving unit for receiving the credit rating information, and reference numeral 26 transmits loan availability information and loanable amount information, applicable interest rate information to the cashier terminal 2, and transmits a subscription approval signal for the loan product. Represents a data transmission unit.

Reference numeral 10 denotes an authentication processing unit that performs user authentication processing through the unique number and login information (ID and password) of the business API 4 transmitted from the attendant terminal 2.

Reference numeral 40 is a control unit for controlling the operation of each processor in response to the access signal and the condition setting signal from the destination terminal 2, and controls the processing of extracting the file from the database 20 and the transfer process to the terminal at the time of file storage or reading Indicates.

Reference numeral 28 is a security / credit for managing the risk change by inquiring the credit information, collateral information, and expected information of the customer transmitted in connection with the credit rating agency server 22 and monitoring the corresponding customer information at regular intervals. The reference processor 30 denotes an inquiry processor, and the reference numeral 30 evaluates the payment ability according to the credit information and the expected information, the customer industry information and the position and the salary information of the customer transmitted in connection with the credit rating agency server 22, and carried by the customer. It represents a loan amount / interest calculation processor for calculating the loan amount and interest rate by including the financial certification information and calculating the risk index accordingly.

Reference numeral 32 denotes a loan information management processor that manages loan information sold to a customer, that is, loan amount information and period information, principle setting information and deferred information, and reference numeral 34 is linked to the loan information management processor 32 to provide a loan amount. A loan processing processor for automatically processing a payment process to a customer designated account.

Reference numeral 36 denotes a loan repayment management processor for managing the principle payment repayment state according to the loan amount, deferred information, and repayment condition information in cooperation with the loan information management processor 32, and reference numeral 20 denotes the financial server 6; Loan subscription information transmitted from the cashier terminal (2) through the customer's credit information and payment ability information, financial related information held by the customer, the risk rate information and loan amount information calculated through the customer information, loan Represents a database where interest rate information is stored.

At this time, the loan amount / interest rate calculation processor 30 is determined for the financial company employees, whether the customer's collateral loan, mortgage loan amount information, credit loan presence and business type / job points are reflected, and whether there is a financial-related certification In addition, by calculating the creditworthiness of the customer by including the importance of the certification in the point of value, the calculation of loan availability, loan amount and interest rate is performed. Therefore, in case of important certification with few certificate holders, more points are set.

Hereinafter, the function and operation of the loan management system for a financial person according to an embodiment of the present invention having the above-described configuration will be described in detail with reference to the accompanying drawings.

4 is a diagram illustrating a signal flow of a loan management system for a financial person according to an embodiment of the present invention.

Referring to this, in the loan management system for a financial person according to an embodiment of the present invention, when a customer who is a financial person visits a window and asks a cashier to output information about a loan product, the cashier uses the cashier terminal 2. Access the loan management server 8 by operating the business API (4) included therein to view information on the loan product, generate a subscription signal for the loan product, and correspond to the application output on the screen The personal information of the customer is input and processed.

At this time, the application is to enter the financial related certification of the customer, the financial certification, the issue number of the license bar, depending on the importance of the financial certification, you may receive preferential rates, loan management server ( 8) exponential arithmetic processing through financial certification. In fact, financial certification is a very important factor that will greatly affect the personal credit rating because it is difficult to obtain the financial credibility of the customer when working for a financial company.

Then, the loan management server 8 authenticates the customer through the customer information transmitted from the rowing terminal 2 and transmits the customer information to the credit rating agency server 22 to inquire about the payment ability. It comprehensively inquires property ownership information of apartments, apartments, and financial institutions where customers work. In addition to the inquiry result information, the presence or absence of financial-related certifications and the importance of the certifications are used to comprehensively process the risk index of the corresponding customer to determine loan availability and automatically calculate loan amount information and loan interest rates.

That is, the loan management server 8 inquires about the payment ability of the corresponding customer transmitted from the credit rating agency server 22, that is, comprehensively inquires the property ownership information such as an apartment and the financial institution where the customer works. It is included as a value calculation element, and the index is calculated by including the added points as a calculation element according to the presence or absence of a financial certificate and the importance of the certificate.

In the case of credit loans, the loan index is computed based on the asset quality, average working years, and salary of the financial institution where the financial institution works, along with the existence of financial related certifications held by the financial institution and the importance of the certification.

Therefore, the loan management server 8 calculates the loanable amount through the loan index, and determines the loan interest rate, for example, if the loan index is high, the loan amount can be borrowed more, and the preferential interest rate can be provided. do.

Then, the loan management server 8 transmits the calculated information to the cashier terminal 2, after the customer confirms the loan availability information, generates a signal for the product subscription decision, the loan management server (8) registers the subscription information according to the signal.

Thereafter, the loan management server 8 checks whether there is a change in the credit information of the corresponding customer at regular intervals from the credit rating agency server 22, and determines the repayment amount for the loan amount by resetting the risk rate when the change occurs. And if the additional loan is calculated by calculating the additional loan amount information to the corresponding cashier terminal (2), to contact the customer.

1 is a block diagram showing the configuration of a loan management system for a financial person according to an embodiment of the present invention;

2 is a state diagram illustrating a data flow of a loan management system for a financial person according to an embodiment of the present invention;

3 is a block diagram showing the configuration of a financial server included in a loan management system for a financial person according to an embodiment of the present invention;

4 is a diagram illustrating a signal flow of a loan management system for a financial person according to an embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

2: transaction terminal, 4: business API,

6: financial server, 8: loan management server,

18: DBMS, 20: Database.

Claims (7)

It is provided in the window, and provides information on the loan product, from the financial server (6) including a loan management server (8) for receiving and registering the registration signal and customer information for the loan product for the loan product Receives information and outputs the screen, inputs the personal information of the customer and the possession information of the financial certificate and transmits it to the financial server 6, and the loan availability information and the amount of loan information transmitted from the financial server 6; A rowing terminal 2 for outputting a screen and generating an input signal for whether or not to join a product to the financial server 6; Provides information about the loan product from the cashier terminal (2), receives and registers the selection signal and customer information about the loan product, possession information of the financial certificate, credit for the customer reflecting the presence or absence of the certificate, the importance By automatically calculating the risk rate by receiving the information and the expected breakdown information, the loan is automatically calculated and whether the loan is possible, and the calculation information is transmitted to the cashier terminal 2 to receive a signal indicating whether or not to register and process the registration. A financial server 6; Loan management system for a financial person, characterized in that configured to include a credit rating agency server 22 for providing the financial server (6) asset information for grasping customer credit information and payment ability. According to claim 1, wherein the financial server (6) loans through the credit rating information including asset quality and average working years, annual salary of the financial institution in which the customer works, and the additional points including the presence or absence of financial-related certification, the importance of the certification And a processing for calculating the index and calculating the loan amount and the loan interest rate through the loan index. According to claim 1, wherein the rowing terminal (2) outputs information on the loan product, and outputs a file for inputting personal credit information, personal information, financial-related certification information in the form of a web document, loan products The loan management system for a financial person, characterized in that a business API (Application Interface: 4) for processing real-time data communication to upload the subscription request file to the financial server (6). According to claim 1, The financial server (6) calculates the risk ratio through the credit information and expected information, asset information, financial information related to the presence of each customer, the importance of the license, and the loan availability, loanable amount loan interest rate Loan management server 8 for calculating and calculating; Loan management system for a financial person, characterized in that divided into a database management server (DBMS: 16) that performs file management for various data. 5. The authentication according to claim 4, wherein the loan management server (8) performs a user authentication process through a unique number and login information (ID and password) of the API transmitted from the work API (4) of the rowing terminal (2). A processing unit 10; A loan information inquiry unit 12 for retrieving customer credit information and expected information, asset information on payment ability, and information on a financial certificate; A loan amount calculator 14 is provided to calculate a loan amount for the loan product in consideration of the loan index of the customer, and the DBMS 16 has various data processed by the loan management server 8 therein. In order to manage the database (20) for storing, the loan management system for a financial person, characterized in that the file extraction / update unit 18 for extracting and updating the various data is provided. The method of claim 5, wherein the database 20 stores the loan subscription information, customer credit information and payment ability information, financial related certification status, certification importance and certification issue number therein, and calculated through the corresponding customer information. Loan index information, loan amount information, loan interest rate information is a loan management system for a financial person, characterized in that the database is stored. According to claim 1, wherein the financial server (6) receives the customer information and subscription information for the loan product, the financial-related certification information possessed by the customer from the cashier terminal 2 therein, the credit rating agency server ( 22) a data receiver for receiving credit information of the customer and credit information of the payment ability from the customer; A data transmitter for transmitting loan applicability information, loan amount information, and applicable interest rate information to the cashier terminal 2 and transmitting a subscription approval signal for the loan product; A control unit for controlling driving of each processor in response to the access signal and the condition setting signal from the destination terminal 2, and for controlling file extraction and transfer processing from the database 20 to the terminal during file storage or reading; A mortgage / credit inquiry processor for inquiring credit information, collateral information, and anticipation information of the customer transmitted in association with the credit rating agency server 22 and managing the risk information by monitoring the corresponding customer information at regular intervals; Evaluate the payment ability according to the credit information and expected information, customer industry information and job title and salary information of the customer transmitted in conjunction with the credit rating agency server 22, and includes the financial-related certification information possessed by the customer A loan amount / interest calculation processor for calculating the loan index and the interest rate by calculating the risk index; A loan information management processor for managing loan information sold to a customer, that is, loan amount information and period information, principle fund setting information, and deferment information; A loan processing processor interworking with the loan information management processor 32 to automatically process payment processing of the loan amount to a customer designated account; A loan management system for a financial person, further comprising a loan repayment management processor linked to the loan information management processor 32 to manage the principle payment repayment status according to the loan amount, deferred information, and repayment condition information.

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