KR20140112843A - Method for providing project financing loan service and server performing the same - Google Patents

Abstract

According to an embodiment of the present invention, a method for providing a project financing loan service which is executed in a project financing loan service providing server which is linked to a home warranty company server includes the following steps: receiving a warrant of a project and the full text of deposit money amount information of each constructor from the home warranty company server if an evaluation about the project which is hosted by a constructor is performed by the home warranty company server; providing a project financing (PF) loan service, which takes the warrant as security, for the constructor; providing a PF loan service for a cooperative company by taking the transfer of sales credit, which the constructor issues to the cooperative company, as security after a specific time point from a starting time point of the project; and transferring a specific money amount to the deposit account of the constructor based on a history which is in the full text.

Description

METHOD FOR PROJECT FINANCING LOAN SERVICE AND SERVER PERFORMING THE SAME

Embodiments of the present invention relate to a method for providing a project financing loan service and a server for executing the same.

In general, Project Financing is a financing method that funds the future cash flow from a project to finance the project.

Such project financing is a financing technique that lends money to the profitability of the project itself, without collateralizing the value of the credit or physical security of the project owner, and has recently been introduced into the asset development field of construction companies.

Currently, real estate development projects in Korea are carried out separately. The developer will be the subject of the project and will be responsible for the discovery of the project, the land contract, and the initial project cost. The construction company is responsible for the construction. The financial institution provides the loan service for a part of the construction price.

In principle, the repayment of project financing is the cash flow generated by the project. However, in order to control the credit risk of the developer itself and the business risk of the project, the Korean home guarantee company is requesting credit reinforcement from the project company. Therefore, the contractor provides credit enhancement in the form of joint guarantee or debt acquisition for the debt of the developer in order to smoothly carry out the project. As a result, the Korean home insurance company will consider the implementation of the loan depending on the construction capacity and credit rating of the construction company rather than the project's business capability.

In order to reinforce the repayment ability of the loan debt, the constructor trusts the secured assets of the project such as the pre-established business unit or the unsold apartment building after completion, and the trust company generally provides the first priority profitable right to the Korean home guarantee company, Ranking Provides a profit margin.

The contractor and the contractor determine the matters such as the construction progress and the construction cost payment through the construction contract contract, and the water contractor and the contractor enter into the sale contract payment through the contract of sale.

However, if the contractor does not proceed with the project as planned or if the funds are not collected, the contractor will have trouble repaying the loan, which will result in a series of bankruptcies that can not be paid to the contractor.

The present invention provides a project financing loan service to a construction company as a guarantee by issuing a guarantee issued from a home guarantee company server, thereby allowing the construction company to exempt from the joint guarantee, thereby improving the financial soundness, securing the construction cost with priority, The present invention also provides a method of providing a project financing loan service and a server for executing such a project financing loan service, which can prevent the construction company from becoming insolvent due to the real estate market stagnation.

The present invention provides a project financing loan service that can prevent a project construction company's unpaid risk and chain breakdown by providing a project financing loan service to a partner company in accordance with the project's fair rate by a partner after a specific point in time from the start of the project And a server for executing the same.

The present invention allows the home guarantee company server to issue a guarantee and enable the construction company to use the project financing loan service to prevent the construction financing due to the project financing loan and to restore the construction companies and financial institutions. And a server for executing the project financing loan service.

The present invention relates to a method for providing a project financing loan service in which a project financing loan service server can secure a new transaction of a partner by providing a loan service and secures an opportunity to sell a complex product through a project financing loan service and a server The purpose is to provide.

The problems to be solved by the present invention are not limited to the above-mentioned problem (s), and another problem (s) not mentioned can be clearly understood by those skilled in the art from the following description.

Among the embodiments, a method for providing a project financing loan service executed in a project financing loan service providing server interlocked with a home guarantee company server includes the steps of: when the evaluation of the project sponsored by the contractor is performed by the home guarantee company server, Receiving a letter of guarantee for the project from the company server and a message about the deposit amount information of the construction company, providing a project financing (PF) loan service secured by the guarantee to the construction company, Providing a PF loan service to the partner company as a collateral for the transfer of the receivables issued by the contractor to the partner company after a specific point in time after the start of the transaction; Lt; RTI ID = 0.0 > .

Among the embodiments, a project financing loan service providing server interlocked with a home guarantee company server receives a guarantee certificate for the project from the home guarantee company server when the project sponsored by the contractor is performed by the home guarantee company server A communication unit that receives a full text of the deposit amount information per contractor and a project financing (PF) loan service with the guarantee as a collateral is provided to the construction company, and at a specific point in time after the project starts, And a loan service providing control unit for providing the PF loan service to the partner company as collateral on the transfer of the receivables issued by the contractor to the partner company in accordance with the process rate of the loan service providing control unit, Special to the deposit account of the contractor Then transfer the money.

The details of other embodiments are included in the detailed description and the accompanying drawings.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and / or features of the present invention, and how to accomplish them, will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. It should be understood, however, that the invention is not limited to the disclosed embodiments, but is capable of many different forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, To fully disclose the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

According to the present invention, by providing the project financing loan service to the construction company with the guarantee issued from the home guarantee company server as a collateral, the contractor can exempt the joint guarantee to enhance the financial soundness and secure the construction cost with priority, And it is possible to prevent construction companies from becoming insolvent due to the stagnation of the real estate market.

According to the present invention, since the project financing loan service is provided to the partner company according to the process rate of the project by the partner company after the starting point of the project from a certain point in time, the partner company can prevent the risk of unpaid construction cost and chain breakdown.

According to the present invention, a home guarantee company server can issue a guarantee and can use a project financing loan service by the construction company, thereby making it possible to restructure the construction company and the financial institution by preventing the fault due to the project financing loan. Further, There is an effect that domestic water can be activated.

According to the present invention, the project financing lending service server provides the lending service, thereby securing the new business of the partner company, and securing the opportunity to sell the complex product through the project financing lending service.

1 is a network configuration diagram for explaining a loan service providing system according to an embodiment of the present invention.
2 is a block diagram illustrating an internal structure of a project financing loan service providing server according to an embodiment of the present invention.
3 is a block diagram for explaining an internal structure of a project financing loan service providing server according to an embodiment of the present invention.
4 is a flowchart for explaining an embodiment of a method of repayment of a loan according to the present invention.

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

1 is a network configuration diagram for explaining a loan service providing system according to an embodiment of the present invention.

Referring to FIG. 1, the loan service providing system includes a project financing loan service providing server 100, a home guarantee company server 200, a construction company server 300, and a partner company server 400.

The project financing loan service providing server 100 can provide a loan service to a contractor or a partner company through a network environment.

The project financing loan service providing server 100 may perform at least a part of real time data exchange with the home guarantee company server 200, the construction company server 300 and the partner company server 400 to provide a loan service. Such a project financing loan service providing server 100 will be described in more detail below with reference to FIG. 2 to FIG.

The home guarantee company server 200 is a server in a company that evaluates profitability of the project itself sponsored by the contractor and issues a guarantee, for example, it can be a server in the home guarantee construction. The home insurance company server 200 is a terminal having a central processing unit and a memory device such as a PC, a tablet PC, a smart phone, and the like.

The home guarantee company server 200 evaluates the progress of the project and prolongs the warranty period for the guarantee loan when it is requested by the contractor to extend the expiration date of the project financing loan service.

The construction company server 300 is a server in a company that is solely responsible for construction upon receipt of an order from a developer, for example, a server in a construction company. The constructor server 300 is a terminal having a central processing unit and a memory unit such as a PC, a tablet PC, a smart phone and the like.

The contractor server 300 maintains connection or communication with the project financing loan service providing server 100.

In one embodiment, the contractor server 300 may load at least a portion of the mobile banking engine for accessing the project financing lending service providing server 100. For example, at least some of the predetermined operations required for the project financing lending service with the guarantee issued by the home guarantee company server 200 as collateral can be performed in the contractor server 300 for quick processing. In this embodiment, the constructor server 300 can provide the calculated result from the mobile banking engine provided to the constructor server 300 to the project financing loan service providing server 100.

The partner company server 400 may be a server in the supplier company of the contractor. The partner company server 400 is a terminal having a central processing unit and a memory device such as a PC, a tablet PC, a smart phone and the like.

A server in a company that is solely responsible for construction, ordered from a developer, for example, a server in a construction company. The constructor server 300 is a terminal having a central processing unit and a memory unit such as a PC, a tablet PC, a smart phone and the like.

The partner company server 400 maintains connection or communication with the project financing loan service providing server 100.

In one embodiment, the partner company server 400 may load at least a portion of the mobile banking engine for accessing the project financing lending service providing server 100. [ For example, at least some of the predetermined operations required for the project financing lending service with collateralized accounts receivable issuance issued by the supplier server 400 may be performed in the supplier server 400 for quick processing. In this embodiment, the partner company server 400 can provide the calculated result from the mobile banking engine itself to the project financing loan service providing server 100.

2 is a block diagram illustrating an internal structure of a project financing loan service providing server according to an embodiment of the present invention.

Referring to FIG. 2, the project financing loan service providing server 100 includes a communication unit 110, an account management unit 120, and a loan service provision control unit 130.

The communication unit 110 can set or maintain a communication environment for data communication with the home insurance company server 200 under the control of the loan service provision control unit 130. [

In one embodiment, the communication unit 110 may receive a guarantee for the project sponsored by the contractor and a full text of the deposit amount information of the contractor from the home guarantee company server 200. The communication unit 110 may provide the loan service provision control unit 130 with a full text of the guarantee money for the project sponsored by the constructor and the deposit amount information of the installer.

The account management unit 120 can manage an account for providing deposit and withdrawal services of Korean won or foreign currency.

In one embodiment, the account management unit 120 may open an account under the control of the loan service provision control unit 130. The type of account may include at least one of a loan, a free deposit, a deposit, a trust, and a deposit. The account management unit 120 may additionally receive additional information of the account user and apply the additional information to the account. The additional information of the account may include at least one of a transfer limit amount for the account and a withdrawal limit amount. If the account is an account linked to an investment grade financial instrument, that is, if the account is at least one of a deposit, a trust, and a deposit, the additional information of the account may include financial instrument attribute information associated with the account. If the account is an account linked to a loan instrument, the additional information of the account may include financial instrument attribute information associated with the account.

In one embodiment, the account management unit 120 may store an account opening history. The account opening history may include information on each of the contractors or partner companies associated with the account. The information about each of the contractor or the partner company may include at least one of a country code, a customer classification, a customer name, a customer address, a region identification code, a telephone number, a company address, a business telephone number, an account number, .

In one embodiment, the account management unit 120 may open a negative account according to the credit rating of the contractor or partner company. Negative account is an account that can deduct a certain amount of money within the predetermined maximum amount according to the credit rating of each contractor or partner company.

In one embodiment, the account management unit 120 may connect the account and the card according to the request of each of the contractor or partner company. In one embodiment, the account management unit 120 may connect accounts and cards (e.g., cash cards, check cards, debit cards, and credit cards) 1: 1. For example, when the card A is used, the account management unit 120 may connect the account A to be withdrawn from the account B.

The account management unit 120 may deposit the loan amount in the account held by the contractor or the partner company under the control of the loan service provision control unit 130. [

In one embodiment, the account management unit 120 can transfer the loan amount to the deposit account held by the contractor or the partner company by the loan service provision control unit 130. [ For example, upon receipt of the transfer instruction of the amount corresponding to the specialization of the deposit amount information of the installer, the account management unit 120 may deposit the amount corresponding to the specialization in the account held by the construction company.

Under the control of the loan service provision control unit 130, the account management unit 120 can withdraw the loan commission from the amount deposited in the account held by the contractor or the partner company in units of a predetermined period.

The loan service provision control unit 130 can provide a project financing loan service with a guarantee by the home guarantee company server 200 as a security to the construction company at a specific interest rate.

In one embodiment, the loan service provision control unit 130 may control the account management unit 120 to determine the loan amount using the guarantee by the home guarantee company server 200 and to deposit the deposit amount in the deposit account held by the contractor .

The loan service provision control unit 130 may provide the project financing loan service to the partner company at a specific interest rate with the contractor's assignment of the accounts receivable issued to the partner company as collateral.

In one embodiment, the loan service provision control unit 130 may control the account management unit 120 to determine the amount of the loan according to the contract for payment of the construction cost between the constructor and the partner company, and deposit the deposit amount in the deposit account held by the partner company. In another embodiment, the loan service provision control unit 130 may control the account management unit 120 to determine the loan amount according to the process rate of the project by the partner company and deposit the deposit amount in the deposit account held by the partner company.

The loan service provision control unit 130 may allow the construction company to repay the total loan amount for the project financing loan service on the expiration date of the project financing loan service. For example, if a construction company receives a project financing loan service for 5 years at a cost of 1 billion won on Jan. 2, 2012, the loan service provision control unit 130 determines that the contractor has completed the project financing loan service on January 2, 2017 It may be allowed to repay one billion won. Accordingly, the construction company has an effect that the project can be carried out without the burden of the repayment installment fee of the loan amount.

On the other hand, the loan service provision control unit 130 may provide a discount service for the loan service amount when the repayment of at least a part of the amount of the loan service is requested before the predetermined repayment date from the contractor.

In one embodiment, the lending service provision control unit 130 may provide a discount service at a discount rate determined according to the remaining period up to a predetermined redemption date. For example, if the predetermined repayment period is 30 days but the loan service amount is repaid on July 10, 2012, which is a date 10 days earlier than the contractor or the supplier, the loan service provision control unit 130 sets the predetermined repayment date The discount rate of 3%, which is determined according to the remaining period up to now, can be provided.

Unlike this embodiment, if the loan service provision controller 130 does not receive the loan service amount from the contractor before the predetermined repayment date, the loan service provision control unit 130 may charge interest on the corresponding amount. In one embodiment, the loan service provision control unit 130 may set the interest rate higher as the overdue date increases. For example, the loan service provision control unit 130 may charge 0.1% of interest on the first day of delinquency and 0.2% of interest on the second day of delinquency.

The loan service provision control unit 130 may extend the expiration date of the project financing loan service for a specific period by imposing a specific fee when the contractor requests extension of the project financing loan service expiration date.

In one embodiment, the loan service provision control unit 130 may use at least one of the remaining period from the time when the extension is requested to the expiration date of the project financing loan service, the ratio of the amount repaid to the present from the loan amount, To determine a specific fee and a specific time period.

In another embodiment, if the guarantee period extension for the warranty issued by the home guarantee company server 200 is accepted, the loan service provision control unit 130 updates the expiration date by the same period as the original project financing loan service provision period Can be extended.

The loan service provision control unit 130 may provide the project financing loan service according to whether the amount requested by the constructor or the partner company exceeds the loanable amount.

In one embodiment, the loan service provision control unit 130 may allow excess lending in accordance with the credit rating of the contractor or the partner company if it is determined that the loan requested by the contractor or the partner company exceeds the loanable amount. For example, if the amount requested by the contractor or the partner company exceeds the loanable amount but the credit rating of the contractor or the partner company is more than the B grade, the loan service providing control unit 130 sends the excess amount of project You can provide a financing loan service.

In another embodiment, the loan service provision control unit 130 may provide the project financing loan service to the contractor or the partner company if it is determined that the loan requested by the contractor or the partner company does not exceed the loanable amount.

The loan service provision control unit 130 may receive the loan amount for the loan service from the construction company before the due date in the case of the project financing loan service in which the construction company issues the receivables issued by the contractor to the partner company as collateral.

In one embodiment, if the loan amount for the loan service is not reimbursed from the contractor before the expiration date of the loan service, the loan service provision control unit 130 does not require the supplier to repay the loan amount. Therefore, the supplier has the effect of preventing the risk of construction company's unpaid cost and chain breakdown.

The loan service provision control unit 130 receives the full text of the deposit amount information of the construction company from the home guarantee company server 200 and transmits the specific amount to the account management unit 120 Can be controlled.

3 is a block diagram for explaining an internal structure of a project financing loan service providing server according to an embodiment of the present invention. The configuration or operation of another embodiment of the project financing lending service providing server disclosed in FIG. 3 will be described with reference to the same or corresponding contents as those described above with reference to FIG. 2, You can fully understand the example.

The project financing loan service providing server 100 disclosed in FIG. 3 may further include a loan and repayment history DB 140 and a credit rating management unit 150.

The loan and repayment history DB 140 may store history information on the transaction when the financial transaction is completed by the contractor or the partner company.

In one embodiment, the loan and redemption history DB 140 may store financial transaction history information by contractor or partner company. For example, when the contractor A receives the project financing loan service, the financial transaction history DB 260 can store the financial transaction history information of the contractor A.

The credit rating management unit 150 can manage the credit rating of the user according to the financial transaction history of the contractor or the partner company.

In one embodiment, the credit rating manager 150 may adjust the credit rating of the contractor or supplier according to the information in the user's loan and redemption history DB 140. For example, if a contractor pays a loan service fee without an overdue history before the expiration of the loan service, the credit rating manager 150 may adjust the credit rating of the contractor. In another example, if the contractor has a history of delinquent loan service fees prior to the expiration of the loan service, the credit rating manager 150 may downgrade the credit rating of the contractor according to at least one of the amount of the overdue fee, the number of delinquencies and the date of delinquency .

Hereinafter, a method of providing a project financing loan service will be described with reference to FIG. Since the method of providing the project financing loan service to be described later is performed in the project financing loan service providing server 100 described above, the corresponding contents will not be described in duplicate. However, those skilled in the art will appreciate from the above description that the project financing loan service One embodiment of the method of providing the information can be understood.

4 is a flowchart for explaining an embodiment of a method of repayment of a loan according to the present invention. One embodiment disclosed in FIG. 4 relates to an embodiment capable of providing a project financing loan service to a contractor or a partner company.

Referring to FIG. 4, the project financing loan service providing server 100 receives a guarantee for the project sponsored by the construction company from the home guarantee company server 200 and a message about the deposit amount information of the contractor (step S410). The project financing loan service providing server 100 provides the contractor with a project financing loan service with the guarantee issued by the home guarantee company server 200 as collateral (step S420).

The project financing lending service providing server 100 provides the project financing lending service to the partner company at a certain point in time after the start of the project (step S430). Although not shown in FIG. 4, the project financing lending service providing server 100 can transfer a specific amount to the depositing account of the contractor based on the details in the specialization.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined by the scope of the appended claims and equivalents thereof.

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, but, on the contrary, Modification is possible. Accordingly, the spirit of the present invention should be understood only in accordance with the following claims, and all equivalents or equivalent variations thereof are included in the scope of the present invention.

100: Project financing loan service server
110:
120:
130: Loan service provision control unit
140: Loan and Repayment History DB
150: credit rating manager
200: Home Warranty Company Server
300: Contractor server
400: Supplier server

Claims (16)

Project financing linked to a home guarantee company server Providing a financing loan service In a project financing loan service providing method executed in a server,
Receiving a letter of guarantee for the project and a message about the deposit amount information of the construction company from the home warranty company server when an evaluation of a project sponsored by the contractor is performed by the home guarantee company server;
Providing a project financing (PF) loan service with the guarantee as a collateral to the construction company;
Providing a PF loan service to the partner company as a security as a transfer of a sales receipt issued to the partner company by the construction company after a specific point in time after the start of the project; And
And transferring a specific amount to the deposit account of the contractor based on the details in the specialization.
The method according to claim 1,
And establishing a loan agreement with each of the contractor and the partner company in a state where a contract for the construction cost payment between the contractor and the partner company is concluded.
The method of claim 1, wherein providing the PF loan service to the contractor comprises:
And allowing the repayment of the total loan amount for the PF loan service on the expiration date of the PF loan service.
4. The method of claim 3, wherein providing the PF loan service to the contractor
And extending the expiration date of the PF loan service by a specific period by imposing a specific fee when the contractor requests extension of the PF loan service expiration date.
5. The method of claim 4,
Determining the specific fee and the specific term using at least one of a period remaining from the time when the extension is requested to the expiration date of the project financing loan service, a ratio of the amount repaid to the present amount of the loan amount to the present amount, And providing the project financing service to the project financing service provider.
5. The method of claim 4,
And extending the expiration date of the PF loan service by the same period as the original PF loan service provision period if the guarantee guarantee period extension of the guarantee certificate is accepted by the home guarantee company server Way.
The method of claim 1, wherein providing the PF loan service to the partner company comprises:
And receiving a loan amount for the loan service from the contractor before expiration of the PF loan service.
8. The method as claimed in claim 7, wherein the step of reimbursing the specific loan amount from the constructor
And not refunding the loan amount to the partner company if the loan amount for the loan service is not received from the contractor.
A project financing lending service providing server linked with a home guarantee company server,
A communication unit for receiving a guarantee for the project and a full text of the deposit amount information of the construction company from the home guarantee company server when the home sponsoring company server performs an evaluation on a project sponsored by the contractor; And
Providing a project financing (PF) loan service with the guarantee as a collateral to the construction company, and, at a specific point in time after the project is started, And a loan service providing controller for providing the PF loan service to the partner company with the bond transfer being secured,
And the loan service provision control unit transfers a specific amount to the deposit account of the construction company based on the details of the loan.
The system according to claim 9, wherein the loan service providing control unit
And establishing a loan agreement with each of the contractor and the partner company in a state where a contract for the construction cost payment between the contractor and the partner company is concluded.
The system according to claim 9, wherein the loan service providing control unit
And allowing the repayment of the total loan amount for the PF loan service on the expiration date of the PF loan service.
12. The method of claim 11, wherein the loan service providing control unit
And extending the expiration date of the PF loan service by a specific period by imposing a specific fee when the contractor requests extension of the PF loan service expiration date.
13. The system according to claim 12, wherein the loan service providing control unit
Determining the specific fee and the specific period by using at least one of a period from the time when the extension of the period is requested to the expiration date of the project financing loan service, a ratio of the amount repayed until now to the loan amount, and a delayed number of the loan fee Features a project financing lending service server.
13. The system according to claim 12, wherein the loan service providing control unit
Wherein the expiration date of the PF loan service is extended by the same time period as the original PF loan service provision period if the guarantee guarantee period for the guarantee certificate is accepted by the home guarantee company server.
The system according to claim 9, wherein the loan service providing control unit
And the loan amount for the loan service is reimbursed from the contractor before expiration of the PF loan service.
16. The system of claim 15, wherein the loan service provision control unit
And does not require the partner company to repay the specific loan amount if the loan amount for the loan service is not repaid from the contractor.

Images