KR20130021741A - System for examining credit loan using business place evaluation in financial institution and method thereof - Google Patents

Abstract

PURPOSE: A loan appraising system using the business evaluation of a financial institution and a loan appraising method thereof are provided to implement the vitalization and stabilization of small loan finance by executing a loan based on loan redemption capability. CONSTITUTION: A credit information inquiring unit(22) receives personal information of a customer from a credit information company server. A site inspection management unit(23) receives an inspection report inputted by a site inspector. A reserve interest rate limit unit(24) determines a reserve interest rate/limit of the customer. A main appraisal management unit(25) provides all kinds of related information to an appraiser terminal. A fixed interest rate limit unit(26) determines a fixed interest rate/limit of the customer. A loan approval executing unit(27) gives a loan according to requests from the customer. [Reference numerals] (2) Loan server; (21) Loan application receiving unit; (210) Loan DB; (22) Credit information inquiring unit; (23) Site inspection management unit; (24) Reserve interest rate limit unit; (25) Main appraisal management unit; (26) Fixed interest rate limit unit; (27) Loan approval executing unit

Description

System for examining credit loan using business place evaluation in financial institution and method

The present invention relates to a credit examination system and method for a loan of a financial institution, wherein the financial institution calculates the loan limit and interest rate based on the business information to evaluate the lender's ability to repay the loan, and processes the credit examination and credit execution. .

In modern society, the lending work of financial institutions such as banks and credit companies is an important part, and the profits of financial institutions are mostly generated from lending business, and each financial institution is trying to efficiently perform lending business. However, the loan process involves risks related to the recovery of the loan, so the process of reviewing the loan application is not simple, and there are many types of documents that are referred to, and it takes a lot of time and money to review and review the documents submitted by customers. It is becoming.

In conventional loans, they can be divided into mortgage loans and credit loans. A secured loan provides a loan secured by a guarantor or real estate. There is no explicit collateral, but credit loans require qualifications and documents to replace various collaterals for the purpose of evaluating the creditor's creditworthiness.

In particular, since credit lending strongly restricts the type of job, annual income, and occupation of the lender, the general self-employed or small and medium-sized enterprises are not eligible for the loan because they do not qualify for the credit loan.

In other words, self-employed or small and medium-sized enterprises are difficult to meet the qualifications of the above-mentioned mortgage or difficult credit loans, but even if the fixed income is secured by a sound store or business operations, they do not even enjoy the benefits of loans.

Under these circumstances, loans are applied based on the commercial credit information (e.g. location, floating population, number of customers, etc.) and operational information (e.g. daily sales, monthly sales, period sales, etc.) based on the creditworthiness of customers. Determining the limits and interest rates and executing the loans can be a great help in solving the capital shortages of self-employed or small businesses. In other words, a loan product is required for a sound workplace that is low in credit rating and lacks collateral but continues to generate daily income. At this time, the conventional mortgage loan and credit loan has objective evaluation criteria for the creditworthiness of the customer and the guarantor and the value of the collateral, but the commercial and operational information of the workplace directly connected to the daily income does not have an objective criterion. It could not be applied as an evaluation criterion of.

For example, when a business owner of a well-established restaurant wants to receive a loan because of a need for a dispatch, credit loans often have a low loan limit and cannot secure a loan because there is no collateral to provide. Substitution with collateral may enable the execution of the credit.

As such, when evaluating the lender's ability to repay loans on behalf of collateral and executing loans to corporations and self-employed persons, it is possible to curb the activities of malicious loan lenders who operate conventional one-day loans. And stabilization will contribute to the stability of life and economic development. In addition, since self-employed and small businesses are relatively small compared to large companies, a differentiated approach is required, and various services such as sales support services linked to financial transactions for them should be sought.

The present invention was created in view of the above-mentioned points, and calculates scores, grades, loan limits, and interest rates on the basis of business information and operation information of the workplace in financial institutions and lenders that make loans to companies and self-employed people. The purpose is to provide a loan credit screening service that can perform a loan.

Another object of the present invention is to provide an objective evaluation criteria for evaluating a workplace on behalf of collateral, so that loan credit examination technology using a workplace evaluation of a financial institution that enables loans to corporations and self-employed persons in financial institutions and lenders. To provide.

Another object of the present invention is to provide a loan screening criteria that can reduce the risk of the loan business activation and risk through the rapid decision-making through strengthening the competitiveness of the loan screening and the efficiency of the screening process, and the screening of the objective evaluation criteria.

According to the loan credit examination system using the business evaluation of the financial institution of the present invention for achieving the above object, the loan credit examination to provide a loan by evaluating the loan repayment ability with the customer evaluation information of the customer on the wired or wireless network A system comprising: means for constructing a homepage to receive a credit request of a customer from a customer, teller or field visitor mobile communication terminal and store the credit request information in a DB; Means for selecting a loan qualified person by performing a temporary inquiry for credit inquiry to a credit bureau server using the credit application information; A means for instructing on-site due diligence by transmitting customer workplace information to an on-site due diligence mobile communication terminal and receiving a due diligence report generated through on-site due diligence from the mobile communication terminal and storing the result as on-site evaluation information; The preliminary interest rate / limit is compared with the internal valuation criteria including the business scorecard which is a criterion for evaluating the loan repayment ability (profitability) and the transaction performance scorecard which is the credit repayment valuation criterion for the customer. Means for calculating; Means for providing credit application information, credit inquiry result information, karate evaluation information, preliminary interest rate / limit, and internal credit evaluation criteria to the examiner terminal to register the comparatively determined main examination results after verification of data consistency; Means for calculating a defined interest rate / limit by comparing with the internal credit rating criteria when selected as a loan qualified result; And a credit server including a means for notifying the loan approval result to the customer's notification means after registering the contents of the main examination and the calculated final interest rate / limit.

On the other hand, according to the loan credit screening method using the business evaluation of the financial institution of the present invention, in the loan credit screening method in which the credit server evaluates the loan repayment ability with the customer business evaluation information on the wired or wireless network to provide a loan, (A) the credit server receiving the credit application of the customer and storing the credit application information, including business information, customer information, loan holding information and credit inquiry utilization agreement, which is the basis for the evaluation of the loan repayment ability in the DB; (B) requesting credit information inquiry to a credit bureau (CB) server using the received credit application information to receive credit inquiry result information, and cut based on the received credit inquiry result information- Selecting a loan ineligible person and a loan qualified person by performing a provisional inquiry comparing with a cut-off reference table; (C) if selected as a qualified lender, transmitting the customer's workplace information to the mobile communication terminal of the on-site investigator and receiving the due diligence report generated through the on-site due diligence from the mobile communication terminal and storing it as the business evaluation information; (D) The preliminary interest rate of the business valuation information in comparison with the internal credit valuation criteria including a business scorecard, which is a criterion for evaluating the lender's loan repayment ability (profitability), and a transaction performance scorecard, which is a criterion for the loan repayment credit rating of the customer. Calculating a limit; (E) registering, by the examiner's terminal, credit evaluation information, credit inquiry result information, business evaluation information, preliminary interest rate / limit, and the internal credit evaluation criteria previously stored in the DB to verify the main evaluation result after verification of data consistency; (F) calculating a predetermined interest rate / limit by comparing with the internal credit rating criteria when the screening result is selected as a loan qualified person; And (G) notifying the result of the loan approval to the customer's notification means after registering the contents of the main examination and the calculated fixed interest rate / limit.

The loan credit examination system and method using the evaluation of the financial institution according to the present invention has the following effects.

First, as loans are executed on the basis of loan repayment ability calculated by workplace evaluation instead of collateral for self-employed people and businesses, it is possible to activate and stabilize common people's finances and restrain the activities of loan lenders, thus ensuring stability and economy of life. There is an effect that can contribute to the development.

Second, by establishing a systematic review process to evaluate the lender's ability to repay loans to determine loan execution in loans, the review period can be minimized, and the accuracy and efficiency of credit screening can be increased by simplifying the review process and simplifying computer processing. It has an effect.

Third, productivity improvement through qualitative improvement of sales operation and business management can be indicated by improving duplication of work and automating handwriting processing.

Fourth, credit bureaus can enhance credit screening through an efficient interface.

The following drawings attached to this specification are illustrative of preferred embodiments of the present invention, and together with the detailed description of the invention to serve to further understand the technical spirit of the present invention, the present invention is a matter described in such drawings It should not be construed as limited to.
1 is a schematic configuration diagram of a loan credit examination system using a business evaluation of a financial institution according to an embodiment of the present invention
2 is a schematic internal structure diagram of a credit server according to an embodiment of the present invention.
Figure 3 is an exemplary view of the data of the business place score card and transaction performance score table according to an embodiment of the present invention.
4 is a schematic overall flowchart of a loan credit examination method according to an embodiment of the present invention.
5 is a detailed flowchart of a provisional inquiry process using the credit information company of FIG.
FIG. 6 is a detailed flowchart of the field visit and preliminary interest rate / limit calculation process of FIG. 4.
7 is a detailed flowchart illustrating a process of calculating the finalized interest rate / limit through the main examination of FIG. 4.
FIG. 8 is a detailed flowchart of an overdue prevention management process for repaying a loan of FIG. 4.
Figure 9 is a screen capture of the credit request page provided by the credit server at the time of loan application according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings looks at in detail the configuration of a preferred embodiment of the present invention.

<1. System configuration>

1 shows a schematic configuration of a loan credit examination system 1 using a business evaluation of a financial institution according to an embodiment of the present invention.

The loan credit examination system 1 according to an embodiment of the present invention receives a loan request from a customer terminal 4, a window staff terminal 5, and an on-site survey mobile terminal 6 connected using a wired or wireless network. Then, it comprises a credit server (2) for providing a screening result according to the loan approval after the loan examination.

Furthermore, the credit bureau server (3) that receives the customer's personal information from the credit server (2) in the process of the loan server 2 examines the loan and provides the customer's credit information inquiry results, including the loan status of other financial sectors (3) It is configured to further include.

The wired and wireless networks in the present invention typically include all communication networks capable of Internet data communication using various protocols such as a mobile communication network, a wired and wireless public network such as the Internet, and a private network.

The credit server 2 builds the home page 200 and sells the loan product using the operator evaluation. The credit server 2 provides a loan application page to register customer's personal information and business information and perform loan examination. Loan examinations are carried out through a step-by-step review procedure from the provisional inquiry using the credit bureau server (3) to the on-site inspection and the main examination.

The credit information company server 2 receives the customer's personal information (for example, name and social security number) from the credit server 2, and the transaction information (deposit, credit card, loan) of various financial products that the customer currently deals with the financial institution. Etc.) and other credit information is provided as a paid or free service. Of course, financial institutions are sharing the credit information of individual customers traded in individual institutions to the credit information companies for accurate credit evaluation of the customers.

The customer terminal 4 is an internet terminal (eg, a computer terminal, a mobile terminal, or other portable internet terminal) that accesses the home page 200 to apply for a loan and inquires a loan examination result.

The window employee terminal 5 is a terminal for sending a loan application to the homepage 200 by inputting the loan application information of the customer to the customer who visits the branch and applies for a loan.

The field surveyor mobile communication terminal 6 is a terminal for receiving field information of a customer who has applied for a loan from the credit server 2 and visiting the site of the customer to enter the site evaluation information of the customer. The field visitor inputs information on various items required for calculating the sales of the workplace in order to evaluate the customer's ability to repay the collateral. Site information surveyed by fieldworkers plays a major role in determining loan limits and interest rates.

On the other hand, the on-site auditor may directly conduct a loan business in the process of directly inspecting the workplace. For example, in accordance with the loan application of the customer newly met at the site, the loan information of the customer may be input to the mobile communication terminal 6 to transmit the loan application to the home page 200. Of course, the mobile communication terminal 6 may also serve to guide the customer in the field of inquiry and examination results of the loan examination process.

2 shows an internal structure of a credit server 2 according to an embodiment of the present invention.

Credit server 2 according to an embodiment of the present invention is a credit application receiving means for receiving a loan loan application of the customer from the customer terminal 4, the window staff terminal 5 and the field visitor mobile communication terminal ( 21), the credit DB (210) that stores the credit application information (customer's personal information, business information, etc.) received during the customer's credit application process, and transmits the received customer's personal information to the credit information company server (3) Credit information inquiry means 22 for requesting credit information inquiry and receiving a credit inquiry result, and if the loan result is determined to be loanable, the credit application information is transmitted to the field visitor mobile communication terminal 6. The on-site due diligence management means 24 which receives the on-site due diligence and receives the survey report inputted by the on-site survey, and the industrial evaluation information constituting the survey report is received. Preliminary interest rate limiting means 24 for determining the preliminary interest rate / limit of the customer as compared to (described later in FIG. 3 below), and when the preliminary interest rate limit is determined, various related information until the preliminary interest rate limit is determined (customer personal Main audit management means (25), which performs the main audit process of providing information, business information, credit inquiry results, and business evaluation information, etc. Based on the proven business valuation information, the decision rate limit means 26 to determine the defined interest rate / limit of the customer compared to the internal credit rating criteria and the result of the audit are notified to the notification means of the customer in accordance with the determination of the defined interest rate / limit. And loan approval execution means 27 for executing loan payment in accordance with the request of the customer.

And the credit DB (210) is composed of a plurality of databases, such as the internal credit rating criteria, customer's personal information, business information, household survey information, business evaluation information, this examination information, etc. involved in the loan service of the present invention Are stored. The home page 200 stores the information input by the user in the credit DB 210 and provides the users with data such as the loan examination progress status and the audit result, which are inquired from the credit DB 210.

3 illustrates a data configuration of an internal credit rating criterion according to an embodiment of the present invention.

The internal credit rating criteria are for evaluating loan availability, limit, and interest rate in the present invention, and as a business scorecard, which is a criterion for evaluating the loan repayment ability (profitability) of the workplace, and a transaction performance scorecard, which is a criterion for repaying credit of the customer, It is composed. For example, a business scorecard may be used to assess a borrower's income to determine the maximum credit limit, and a transactional scorecard may be used to determine how sincerely a borrower can repay a loan.

The field visitor directly visits the customer's business site and uploads a research report composed of items of internal credit evaluation criteria to the home page 200 by using the mobile communication terminal 6, and the credit server 2 receives the credit DB 210. Save as karma evaluation information in. The business valuation information is then compared with internal credit rating criteria to determine loan availability, limits and interest rates.

<2. Method composition>

The loan credit examination method using the business evaluation of a financial institution according to an embodiment of the present invention may be preferably realized through the construction of the loan credit examination system 1 described above.

Figure 4 shows a schematic overall processing sequence of the loan credit screening method according to an embodiment of the present invention.

The customer applies for a loan by accessing the home page 200 using a wired or wireless network to his or her customer terminal 4. In addition, the customer may visit the branch office and apply for a loan through the counter terminal 5 of the counseling staff, or apply for a loan through the field visitor mobile communication terminal 6 after consulting with the field visitor who visited the customer's workplace.

When the credit application receiving means 21 of the credit server 2 receives the loan application of the customer, the customer terminal 4, the teller terminal 5 and the field visitor mobile communication connected to the credit application page as shown in FIG. Provided to the terminal (6). In the credit application form, customer information (trade name, business phone number, business owner's name, social security number, mobile phone number, address, etc.), loan application amount information, income proof information, etc., which are required for credit examination, are inputted. You will be given the option to use your credit check so that you can check. Clients are required to submit documents required by the credit application (basic documents required by the customer's personal information, etc.), workplace information (scale, sales, regional information, etc.), vehicle information (vehicle name, model year, emissions information, etc.), financial information (delinquent) , Credit information, etc.), photos or videos of the place of business (business front, sign / advertisement, doorway, store / lighting equipment, kitchen / fridge, toilet, etc.), or the like. Credit application information received through the application is stored in the credit DB (210) (S21).

After the credit application information is registered, the credit information inquiry means 22 requests a credit inquiry to the credit bureau server C3 using the customer's name and social security number, and receives the credit inquiry result information. After performing the provisional inquiry based on the cut-off reference table, the loan ineligible person and the loan qualified person are determined (S22). At this time, the provisions of the provision of the credit request information provided by the customer at the time of credit application to the credit information company server (3) to request the customer's credit inquiry and analyze the result (customer's financial product usage history) cut-off It is to determine whether to cut-off by applying to cut-off criteria.

If, as a result of the determination through the provisional inquiry, the customer is determined to be cut-off that is ineligible for the loan, the examination result is provided to the notification means (ARS, e-mail, SMS, etc.) or the employee terminals 5 and 6 registered by the customer. (S221). Cut-off criteria can be changed by the system administrator through options (threshold, cut-off).

As a result of the determination through the provisional survey, when the customer is determined to be a loan qualified, the field visit management means 23 instructs the field visit to the field visitor mobile communication terminal 6 in charge of the business address, The received due diligence report is registered and stored in the credit DB 210 (S23).

Here, the field visitor checks simple personal information and business information using the loan application information received by the mobile communication terminal 6 and inputs data according to the due diligence report form consisting of the items illustrated in FIG. 3. The input data is stored in the credit DB 210 as the karma evaluation information.

When the site evaluation information is registered through the field survey, the preliminary interest rate limit means 24 compares the values of the field evaluation information and the corresponding items of the internal credit evaluation standard (see FIG. 3) and comprehensively evaluates the calculated scores for each grade to preliminary interest rates. Calculate the limit (S24).

When the preliminary interest rate / limit is calculated, the examination management means 25 provides all information including the credit application information of the customer and the preliminary interest rate / limit to the examiner terminal, registers the result of the examination and stores it in the credit DB 210. (S25).

Here, the examiner terminal refers to the terminal of the headquarters auditor and the audit team leader. The auditor verifies the data of the customer's credit application information, business information, credit check results, and business evaluation information, and reviews the appropriateness of the preliminary interest rate / limit. Of course, in this process, the business scorecard and transaction performance scorecard items are referred to. That is, the main auditor evaluates the credit based on the business scorecard and transaction performance scorecard items stored in the credit DB 210 by the examiner verifying all the data of the credit application information entered in the application registration step for the credit application. The objective of verification is to carry out an objective audit. The data or weight modified by the examiner is of course stored in the change history.

If, in the main screening, if the loan is ineligible / cancelled, the reason for rejection of the examination is provided to the notification means of the customer or the staff terminal 5 or 6 (S251).

On the other hand, if it is determined that the loan is eligible, the definite interest rate limit means 26 automatically calculates the definite interest rate / limit in comparison with the internal credit rating criteria and stores it in the credit DB 210 (S26). Of course, the final result of the loan review including the defined interest rate / limit is notified to the customer's notification means.

The customer who has been notified of the loan approval requests the loan using the customer terminal 4, the counter employee terminal 5, or the field visitor mobile communication terminal 6, and the loan approval execution means 27 is an account requested by the customer. Process the transfer of the loan as (S27).

FIG. 5 is a flowchart illustrating a process of performing a provisional query of FIG. 4 in detail.

For reference, the provisional inquiry refers to requesting the customer's credit information to the credit bureau server 3 and applying the result to the cut-off criteria to determine whether to cut off.

First, when the credit is requested by the customer, as described above, the customer information (trade name, business phone number, business name, social security number, mobile phone number, address, etc.) necessary for the credit, loan application amount information, income proof information, etc. Receives an input, and receives a credit inquiry utilization agreement (S211). The information requested by the customer is stored in the credit DB 210 as credit application information.

In the above description of FIG. 4, it has been described that the provisional inquiry is automatically performed after the credit application information is stored. In the case of a provisional meeting, a paid service can be performed for detailed information inquiry, and a staff in charge can determine whether the provisional inquiry is made and proceed with the process.

When the credit application information is stored, the credit information inquiry means 22 automatically assigns a staff in charge (S221). Then, the assigned person in charge will perform the process of appraisal through the credit information company, wherein the process of appraisal is different depending on the internal / external location of the person in charge.

First, in the case of an internal worker, the credit card application information of the customer is confirmed by the internal terminal of the internal worker (S222). And the internal worker requests a provisional reference based on the confirmed credit application information (S223). At this time, the internal worker may stop the provisional inquiry and register the loan refusal after the customer confirms the bad credit or other reasons for disqualification through the data inquiry managed by the financial institution.

The credit information inquiry means 22 requests a credit information inquiry to the credit information company server 3 based on the registered customer personal information, analyzes the result, and applies a cut-off criterion. The audit is performed (S227). When it is determined whether to cut-off, the cut-off screening result is provided to the internal terminal of the internal worker (S228).

Next, in the case of an external worker (site due diligence), the mobile communication terminal 6 transmits an SMS indicating that the credit application has been registered, and the external worker uses the mobile communication terminal 6 to apply for the credit of the customer. You are notified (S224). And the external worker inquires the credit application information of the customer through the mobile communication terminal 6 (for example, callback URL access) (S225). After confirming the credit application information, the external worker transmits a provisional inquiry request message in the form of Short Message Service (SMS) using a message oriented service (MOS) (S226). The provisional inquiry request message thus transmitted is transmitted to the credit server 2 via the MO service provider server through the mobile telecommunication company server. In this case, a series of processes in the mobile communication company server and the MO service provider server are generally known technologies, and detailed description thereof will be omitted.

The credit information inquiry means 22 of the credit server 2 requests credit information inquiry to the credit information company server 3 on the basis of the credit application information of the customer for which the provisional inquiry is requested, and analyzes the result to cut-off ( Cut-off examination applying the cut-off criterion is performed (S227). The credit information inquiry means 22 determines whether to cut-off through the cut-off screening, and then processes the cut-off screening result into a message form (SMS, MMS) applicable to the mobile communication terminal 6 to return a message. Create Subsequently, the processed reply message is classified into SMS or MMS according to the message type and transmitted to the SMS service provider server. Then, the SMS service provider server provides the cut-off examination result in the form of the classified SMS or MMS to the mobile communication terminal 6 carried by the external worker through the mobile communication company server (S227).

FIG. 6 is a flowchart illustrating a process of calculating a preliminary interest rate / limit through field inspection of FIG. 4.

First, if it is determined that the loan is eligible through the provisional inquiry, the site due diligence is performed for the customer who applied for a credit. In this case, the field visit is a process of creating a due diligence report by visiting a workplace of a company or a self-employed customer who has applied for a credit, and checking an objective evaluation item reference table for evaluating the workplace.

In particular, the field visitor inputs data for calculating monthly fixed sales of the workplace for each item of the workplace scorecard illustrated in FIG. 3. Among these, the "expected increase and decrease of sales by period" item is an important item in calculating the actual sales of the workplace. For example, seasonal seasonality (eg, samgyetang, cold noodles), convenience stores (increase in summer sales), and bathhouses (increase in winter sales) are taken into account. Furthermore, in consideration of the special event (festival, event, sports event), more objective and reliable evaluation of the workplace can be performed.

When the on-site due diligence is completed, the on-site due diligence management means 23 registers the karate evaluation information through the due diligence report generated through the on-site due diligence (S231), and when the customer applies for the first credit based on the registered karate evaluation information, The inputted data is verified by comparing the result of consistency with the inputted credit application information (S241). In this case, the data to be verified include a billing document (basic documents, etc. according to the customer's personal information), workplace information (scale, sales, regional information, etc.), vehicle information (vehicle name, year, emissions information, etc.), financial information ( Delinquent payments, credit information, etc.), and photos or videos of the workplace (front of the workplace, signs / advertisements, entrances, stores / lighting appliances, kitchen / fridges, toilets, etc.).

The preliminary interest rate limiting means 24 calculates a preliminary interest rate / limit by performing an internal credit evaluation based on the business scorecard and the transaction performance scorecard stored in the credit DB 210 based on the verified data (S242). (S243).

FIG. 7 is a flowchart illustrating a process of calculating a finalized interest rate / limit through the main examination of FIG. 4.

For reference, the auditor objectively validates the data based on the information that cannot be obtained or does not have relevant documents and is an important factor for evaluating the workplace. Refers to a review that corrects and supplements. Of course, when correction or supplementation occurs, the history data is stored separately.

First, the calculated preliminary interest rate / limit and the karma evaluation information is transmitted to the examiner terminal (S251), the auditor based on the business site score table and transaction performance score table items stored in the credit DB (210) provided As a result, an internal credit evaluation is performed to objectively analyze the business rights and operations of the workplace (S252).

Subsequently, the reviewer re-evaluates the industrial evaluation information on the workplace evaluated by the person in charge (sales person) through field visits based on the provided industrial evaluation information and the analyzed commercial and operational analysis results (S253). Here, since there is room for the person in charge (sales person) to evaluate the workplace in a subjective judgment, the site evaluation table and the transaction results stored in the credit DB 210 by the auditor in the field evaluation information described in the due diligence report generated through the field inspection This is to re-evaluate based on the scorecard items so that an objective review can be made.

The karyo evaluation information evaluated through the analysis and re-evaluation is compared with the initially entered karyo evaluation information by performing a credit evaluation verification operation (S254), the final finalized interest rate / limit is calculated (S261).

As described above, the loan repayment ability of the customer based on the sales volume of the business, which is identified as the business information and the operation information of the workplace without a clear basis, was not used as a criterion for the credit examination, but in the present invention, the business information and operation information of the workplace. In order to evaluate the loan repayment ability according to the sales volume of the workplace, the criteria were defined through the scorecard and transaction performance scorecard items.

As an example, the workplace scorecard and transaction performance scorecard items of FIG. 3 also define service minds and strategies of the operators, the atmosphere of the workplace and the appearance of employees, and the degree of cleanliness of the bathroom, by level. And evaluation of operational information can be objectified. Of course, the criteria and items of the workplace scorecard and transaction scorecard may vary according to financial institutions and loan restrictions.

8 is a flowchart illustrating a process of preventing delinquency for repayment of a loan of FIG. 4 in detail.

When the financial institution completes the loan execution to the customer (S1100), the credit information company server 3 first notifies the customer as the management target (S1110), and the credit information company early warning is performed to the customer through the credit information company. (S1120). In this case, the early warning of the credit information company is a description of a known credit information company as a description thereof will be omitted.

The credit server 2 analyzes the loan repayment period using the repayment date according to the loan.

As a result of the analysis, when the termination period is two days remaining (S1130), the arrival of the termination of the suspension is guided to the notification means (ARS, SMS, email, employee guide, mail, etc.) of the customer by using the previously stored customer notification means ( S1140).

In addition, as a result of the analysis, when the expiration period until the repayment date is remaining 10 days (S1150) using the notification means of the customer stored in the financial institution to guide the arrival of the loan maturity to the notification means of the customer (S1160).

In addition, as a result of the analysis, if the overdue period has passed four days on the basis of the repayment date (S1180) using the customer notification means stored in the financial institution to guide the overdue and payment request (S1190).

In addition, as a result of the analysis, if the overdue period has passed 10 days on the basis of the repayment date (S1200) using the customer notification means stored in the financial institution to guide the overdue situation of the customer (S1210).

On the other hand, if the mobile phone number of the customer is changed by analyzing the transmission result of the SMS transmitted through the steps (S1130 ~ S1210) (Solpant) (S1220) stores the customer in the visit target list, the representative (salesperson) In step S1230, the visit destination list stored in the mobile communication terminal 6 is provided.

Then, the person in charge (sales person) visits the workplace based on the stored visit target list, checks customer information (customer's mobile terminal number), collects incorrect customer information (S1240), and based on the collected customer information. Correct the incorrect customer information and register the processing result for the visit target list (S1250). As the status of the visit target list, the unprocessed status, the processed status-time zone, date, day of the week, weekly and monthly are stored separately.

In addition, as a result of the analysis, if the overdue period is 10 days or more based on the repayment date (S1260), the corresponding customer is stored in the visit target list, and the visit target list is transferred to the mobile communication terminal 6 of the person in charge (overdue charge). Provided (S1270). Then, the person in charge (delinquent charge) visits the customer's workplace based on the visit target list provided to his mobile communication terminal 6 to collect the delinquency-related information (S1280).

In addition, it is determined whether the notice due to the delinquency has been delivered to the customer (S1290). If the notice of delinquency is not delivered to the customer, the delinquent result is registered in the delinquent visit target list and stored in the credit server 2 again. By using the customer notification means that the delinquency of the customer is to be notified (S1300). In addition, if the deferred notification is delivered to the customer as a result of the determination (S1290), the processing result of the delivery is registered in the overdue visit target list, and the credit server 2 uses the repayment date according to the corresponding loan to repay the loan. Continue to analyze.

As a result of the analysis, when the overdue period has passed 30 days based on the repayment date (S1310), the reminder is sent to the customer's home or workplace by using the stored customer notification means (S1320).

In addition, as a result of the analysis, if the overdue period has passed 40 days on the basis of the repayment date (S1330), using the previously stored customer information is sent to the customer's home or business (S1340).

In addition, as a result of the analysis, if the delinquency period is 70 days on the basis of the repayment date (S1350), the repayment through the legal process is induced (S1360).

The delinquency prevention process for repaying the loan is prevented and the loan is normally repaid (S1370).

As described above, an embodiment of the loan credit examination method using the business evaluation of a financial institution according to the present invention is configured. While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments. It goes without saying that various modifications and variations are possible within the scope of equivalence of the scope.

Claims (11)

In the loan credit examination system that provides loans by evaluating loan repayment ability based on customer's workplace evaluation information on wired and wireless networks,
A means for constructing a homepage and receiving a credit request from a customer from a customer, a counter staff or a field visitor mobile communication terminal and storing credit request information in a DB;
Means for selecting a loan qualified person by performing a temporary inquiry for credit inquiry to a credit bureau server using the credit application information;
A means for instructing on-site due diligence by transmitting customer workplace information to an on-site due diligence mobile communication terminal and receiving a due diligence report generated through on-site due diligence from the mobile communication terminal and storing the result as on-site evaluation information;
The preliminary interest rate / limit is compared with the internal valuation criteria including the business scorecard which is a criterion for evaluating the loan repayment ability (profitability) and the transaction performance scorecard which is the credit repayment valuation criterion for the customer. Means for calculating;
Means for providing credit application information, credit inquiry result information, karate evaluation information, preliminary interest rate / limit, and internal credit evaluation criteria to the examiner terminal to register the comparatively determined main examination results after verification of data consistency;
Means for calculating a defined interest rate / limit by comparing with the internal credit rating criteria when selected as a loan qualified result; And
Means for notifying the customer of the result of the loan approval after registering the contents of the main audit and the calculated final interest rate / limit
Loan credit examination system, characterized in that consisting of a credit server comprising a. In a loan credit screening method in which a credit server evaluates a loan repayment capability based on a customer's workplace evaluation information and provides a loan on a wired or wireless network,
(A) the credit server receiving the credit application of the customer and storing the credit application information, including business information, customer information, loan holding information and credit inquiry utilization agreement, which is the basis for the evaluation of the loan repayment ability in the DB;
(B) requesting credit information inquiry to a credit bureau (CB) server using the received credit application information to receive credit inquiry result information, and cut based on the received credit inquiry result information- Selecting a loan ineligible person and a loan qualified person by performing a provisional inquiry comparing with a cut-off reference table;
(C) if selected as a qualified lender, transmitting the customer's workplace information to the mobile communication terminal of the on-site investigator and receiving the due diligence report generated through the on-site due diligence from the mobile communication terminal and storing it as the business evaluation information;
(D) The preliminary interest rate of the business valuation information in comparison with the internal credit valuation criteria including a business scorecard, which is a criterion for evaluating the lender's loan repayment ability (profitability), and a transaction performance scorecard, which is a criterion for the loan repayment credit rating of the customer. Calculating a limit;
(E) registering, by the examiner's terminal, credit evaluation information, credit inquiry result information, business evaluation information, preliminary interest rate / limit, and the internal credit evaluation criteria previously stored in the DB to verify the main evaluation result after verification of data consistency;
(F) calculating a predetermined interest rate / limit by comparing with the internal credit rating criteria when the screening result is selected as a loan qualified person; And
(G) after registering the contents of the main examination and the calculated final interest rate / limit, notifying the result of the loan approval to the customer's notification means;
Loan credit examination method, characterized in that comprises a. The method of claim 2,
The credit server,
A loan credit screening method comprising receiving a credit request from a customer from a customer, a counter staff, or a field visitor mobile terminal connected to a homepage and storing credit application information in a DB. The method of claim 2,
The credit server,
As an item of the workplace evaluation table for evaluating the loan repayment ability as collateral, the type of business, surrounding business, floating population, workplace use population, workplace area, traffic access, appearance, interior, rent, rights, daily sales, period A loan credit screening method comprising an anticipated increase or decrease in sales. The method according to claim 2 or 4,
The credit server,
An item of a transaction performance scorecard for evaluating the creditworthiness of a customer's loan repayment ability, wherein the loan credit examination method includes the financial institution utilization, the industry profitability, the actual business period, the debt ability, and the residence evaluation. The method of claim 2,
The step (B)
Based on the received credit application information, the person in charge is assigned and the person in charge checks whether the loan application customer is a pre-registered loan ineligible person. Loan credit examination method, characterized in that. The method of claim 2, wherein step (E)
Loan credit examination method further comprising the step of verifying the karyo evaluation information by comparing the credit application information and the consistency results entered by the customer when the first application for credit based on the karyo evaluation information. 8. The method of claim 7,
The data to be verified include the billing documents (basic documents required by the customer's personal information), workplace information (scale, sales, regional information), vehicle information (vehicle name, model year, emissions information), financial information (delinquent, credit information) The loan credit screening method, characterized in that it comprises at least one of a photograph or video of the workplace (business front, sign / advertisement, doorway, store / lighting equipment, kitchen / refrigerator, toilet). The method of claim 2, wherein step (E) and step (F),
Providing the calculated preliminary interest rate / limit and karma evaluation information to an examiner terminal;
Performing rating to classify the business evaluation information provided to the reviewer terminal based on the business scorecard and the transaction performance scorecard item stored in the DB to provide commercial and operation information of the corresponding rating to the reviewer terminal;
Re-evaluating the business evaluation information on the business place evaluated by the person in charge (sales person) through field visits based on the business evaluation information and the analyzed business and operation analysis results from the examiner terminal; And
Calculating final finalized interest rate / limit by performing credit valuation verification by comparing and verifying the karate valuation information evaluated through the analysis and re-valuation with the initially entered karate valuation information.
Loan credit examination method comprising a. The method of claim 2,
Since the loan is generated in step (G),
Before or after the loan repayment expiration date, notifying the delinquent of the expiration date or the delinquency according to the expiration date by the registered notification means of the customer;
Extracting and storing a customer to be visited, and providing a list of visits to a mobile communication terminal of a person in charge (delinquent charge) for the customers who are in the overdue state after the expiration date;
Selecting whether a notice of late payment has been delivered to the customer based on the delinquency related information collected through the visit of the corresponding customer based on the visit target list provided to the mobile communication terminal of the person in charge (delinquent charge);
If the overdue notice has not been delivered to the customer, registering the result of non-delivery in the overdue visit target list and notifying the overdue using the customer's notification means stored in the financial institution again;
In the case of the selection result, when the notice of overdue is delivered to the customer, the processing result of the delivery is registered in the overdue visit target list, and the reimbursement is sent through a dunning notice, a longest send, or a legal process according to the number of overdue days. Loan credit screening method, characterized in that. The method of claim 10,
As the status of the visit target list, the loan credit screening method, characterized in that the status is not processed, the processing status-time zone, date, day of the week, weekly, monthly divided.

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