KR20170077697A

KR20170077697A - Deposit management apparatus for the pooling loan and method

Info

Publication number: KR20170077697A
Application number: KR1020150187875A
Authority: KR
Inventors: 박시정
Original assignee: 중소기업은행
Priority date: 2015-12-28
Filing date: 2015-12-28
Publication date: 2017-07-06

Abstract

The present invention relates to an apparatus and method for operating a pooling secured participation deposit, wherein the pooling secured participation deposit operating apparatus according to the present invention is a system for opening a plurality of deposit accounts for pooling security, wherein a part of the amount of each opened deposit account A pooling collateral deposit account unit for setting up a pooling guarantee amount and providing a compensation according to the guarantee rate for the total deposit amount; a pooling guarantee operation unit for limiting the total loan amount based on the pooled guarantee amount set from each deposit account; And a loan processing unit for requesting a loan from a plurality of loan customers for the total pooling secured amount and processing the loan.

Description

[0001] DEPOSIT MANAGEMENT APPARATUS FOR THE POOLING LOAN AND METHOD [0002]

The present invention relates to a pooling secured deposit participating apparatus and method.

Recently, with the development of the Internet and the deterioration of financial deposit rate, P2P financing is increasing. Peer-to-Peer (P2P) is a kind of P2P (Peer-to-Peer) concept that refers to the sharing of files between individuals and individuals on the Internet. It is a direct financial transaction between individuals who do not go through a financial company.

In other words, P2P financing means that borrowers who need funds at a more reasonable interest rate with investors through the Internet environment meet and close deals with each other. The advantage of P2P financing is that it enables existing lenders and investors to offer a reasonable interest rate as well as to make existing financial transactions available only through financial companies through the Internet.

However, it is easy to make a loan because it does not go through a financial company. However, since individual investors lack expertise and can not cover a real safe borrower, investors have to face a greater risk than profit.

One of the problems of P2P lending is the inconsistency in the size of the funds required by both parties and the inconsistency of the days of the payer.

In terms of financial institutions, the lending market is decreasing and it is time to develop new products.

Accordingly, it is an object of the present invention to provide a pooling deposit participating deposit managing apparatus and method, which provides a depositor with less risk and a better return rate than a conventional P2P loan.

According to a first aspect of the present invention, there is provided a pooling collateral deposit operating device according to the first aspect of the present invention, wherein a plurality of deposit accounts for pooling collateral are opened, and a part of the amount of each opened deposit account is set as a pooling collateral amount A pooling security depository account unit for providing compensation according to the guarantee rate for the total deposit amount, a pooling security operation unit for limiting the total loan amount based on the pooled security amount set from each deposit account, And a loan processing unit for requesting a loan from a plurality of loan customers for the secured amount and processing the loan.

And the pooling security operating unit collects the secured amount set according to the order of opening the deposit account when the delinquency rate of the loan rises to a predetermined level.

And the loan processing unit operates the loan for each predetermined period.

And the compensation is a preferential interest rate.

According to a second aspect of the present invention, there is provided a method of operating a pooling collateral deposit operating device according to the present invention, comprising the steps of: opening a deposit account for pooling security, wherein a part of the amount of the opened deposit account is set as a pooling secured amount A step of limiting a total loan amount based on a pooled security amount set from a deposit account for a plurality of pooling security, a step of requesting a loan from a plurality of loan customers for the total pooling security amount, And providing compensation to the deposit account in accordance with the guarantee rate for the total deposit amount.

According to the present invention, from the viewpoint of a bank, it is effective to secure a provision for a loan. In addition, from a bank's point of view, a new financial model that combines short-term deposits and long-term loans can lead to an increase in operating profit.

According to the present invention, depositors can operate deposits of higher profit with less risk.

Since the financial institution manages the loan by operating the deposit amount of the depositor, the depositor does not conclude the contract with the collateral 1: 1, but the depositor and the financial institution enter into a transaction, the financial institution enters into a transaction with the lender, Since each depositor manages the sum of the collateral received from each depositor, each depositor reduces the burden of evaluating the creditworthiness of the lender and has the effect that all the depositors share the risk.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is an exemplary diagram for schematically illustrating a pooling secured participation deposit management system according to an embodiment of the present invention; FIG.
FIG. 2 is an exemplary view conceptually showing a configuration of a pooling secured deposit managing apparatus according to an embodiment of the present invention. Referring to FIG.
FIG. 3 is a flow chart illustrating a method of operating a pooling secured deposit in a pooling secured participation deposit operating device according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is an exemplary diagram for schematically illustrating a pooling secured participation deposit management system according to an embodiment of the present invention; FIG.

The pooling secured participation deposit management system according to an embodiment of the present invention recruits the depositor 10 first. Next, a sum of the amounts set in each of the collected deposits is summed up and secured as a collateral resource (collateral pool) 20. The loan demanders 30 are collected for the secured resource 20 secured and the loan is processed.

According to this system, by providing joint collateral, it is possible to provide depositors with compensation other than the deposit rate while dispersing the individual risk of the depositor.

Since the financial institution manages the loan by operating the deposit amount of the depositor, the depositor and the financial institution conclude the transaction, not the depositor and the collateral sign the contract with 1: 1, and the lender of the financial institution concludes the transaction. Of the depositors, the depositors reduce the burden of evaluating the creditworthiness of the lender and have the effect that all the depositors share the risk.

The details of such pooling secured participation deposits will be described below with reference to FIGS. 2 and 3 below.

FIG. 2 is an exemplary view conceptually showing a configuration of a pooling secured deposit managing apparatus according to an embodiment of the present invention. Referring to FIG.

The pooling secured participation deposit operating device 100 shown in FIG. 2 may include a pooling secured participation deposit account unit 120, a pooled security operation unit 140, and a loan processing unit 160. The pooling security participation deposit account unit 120, the pooling security operation unit 140 and the loan processing unit 160 may include respective databases, a deposit database 130, a pooling guarantee DB 150, and a loan DB 170 .

The pooling mortgage participation deposit account department 120 opens a plurality of deposit accounts for pooling security and manages each deposit account.

A pooled mortgage deposit is a deposit that provides a portion of the deposit amount as a pooled security and is a compensation that is provided as collateral and is compensated for, such as an additional interest rate. Pooling mortgage participation deposits may not be subject to depositor protection for the amounts provided as security in the deposit.

Here, the operation of the deposit account means that the period is monitored, the information is transmitted and received to process the interest payment, the termination of the contract, etc., and store the history in the deposit DB.

When the pooling mortgage participation deposit account unit 120 opens a pooling mortgage participation deposit account, the pooling mortgage amount is set to a certain amount set by the depositor among the amount of each opened deposit account. Interest will be compensated according to the ratio of the collateral amount to the total deposit amount. Here, the compensation may be a preferential interest rate, but it may provide a lottery ticket or provide a predetermined fee, but is not limited thereto.

The deposit DB 130 stores information required or generated in opening and operating a deposit account by the pooling secured participation deposit account unit 120 and stores the necessary information in response to a request from the pooling secured participation deposit account unit 120 to provide. The deposit DB 130 can store, for each account, an account name, account state information (name, resident registration number, contact, etc.), account contract details (for example, deposit interest, deposit amount, have.

The pooling guarantee operation unit 140 limits the total loan amount based on the pooled security amount, which is the sum of the security amount set for each of the deposit accounts opened by the pooling security participating savings account unit 120. [ To this end, an interface for limiting the amount of the loan is provided to the connected terminal in order to open a deposit account, and the amount of the loan is set according to the information input through the interface. For example, 200% of the sum of the collateral amounts set in each of the deposit accounts can be limited to the total loan amount.

The pooling security DB 150 stores information required or generated in operating the pooling security amount by the pooling security operation unit 140 and provides necessary information according to the request of the pooling security DB 150. [ The pooling guarantee DB 150 may store a pooling coverage rate and a collateral amount for each account, a deposit account opening order, a total collateral amount, and the like.

The loan processing unit 160 receives a request for a loan from a plurality of loan customers for the total pooling secured amount defined by the pooling guarantee operation unit 140, and operates a loan. In order to operate a loan, it is necessary to proceed with the examination of the loan when the loan is requested from the lender, to process the loan according to the result of the examination, to monitor the loan repayment point by time, the loan delinquency rate, And requesting the deposit of the deposit amount by the amount corresponding to the pooling guarantee DB 150 when the delinquency rate rises to a certain level, for example, 3% or more, and further includes storing the transaction details in the loan DB.

The loan processing unit 160 manages a loan for each predetermined period. The predetermined period may be determined by the pooling security operation unit 140.

The loan DB 170 stores information required or generated by the loan processing unit 160 to operate the pooling security amount and provides necessary information according to a request of the pooling security DB 150. [

The loan DB 170 may store loaner information (name, resident registration number, contact information, etc.), loan contract details (loan interest, delinquency rate, loan amount, loan period, etc.).

FIG. 3 is a flow chart illustrating a method of operating a pooling secured deposit in a pooling secured participation deposit operating device according to an embodiment of the present invention.

A deposit account for the pooling security is opened, and a part of the deposit amount of the opened deposit account is set as the pooling security amount (S110).

And receives the request for opening a deposit account from the terminal connected to the pooling security participating deposit operating device and receives the amount of the deposit amount to set the deposit amount, and confirms the pooling guarantee amount. In this process, information received or input and generated information such as an account number are stored in the related DB. A deposit account can be opened up to a certain amount freely regardless of the degree or the period.

The total loan amount is limited based on the pooled secured amount set from the deposit account for a plurality of pooling mortgages (S120).

The pooled security participating deposit management device may limit the amount of the total loan amount to a certain multiple, for example up to 2 times, of the total amount of the sum of the pooled security amounts in each deposit account.

In step S130, a plurality of loan demanders are requested to borrow the total pooling secured amount determined in step S120. Loans can be easily procured and managed by recruiting loans. The degree is set according to a preset period.

The loan is reviewed and the loan is processed (S140). When receiving a request for a loan from a lending consumer, the lending consumer provides the information about the document necessary for the lending review, inputs the information, and determines whether or not the lending is possible. This loan review process may be conducted online. According to the result of the examination of the loan, a message about loan approval or loan disapproval is transmitted to the loan request terminal. When the loan approval is made and the loan is processed normally, the information inputted and received by the loan and the generated information are stored in the related DB.

The deposit is provided to the deposit account in accordance with the guarantee rate for the total deposit amount (S150).

In the event that interest and repayment are made normally on the loan, the depositor shall be compensated by the mortgage rate established at the time of the deposit account. One example of compensation here is to pay an additional interest rate on the basic interest rate at the time of deposit.

However, if the delinquency rate for the loan rises to a predetermined level, the secured amount set in accordance with the opening order of the deposit account is recovered.

Meanwhile, the above-described passbook organizing method can be implemented by a software program and recorded on a predetermined recording medium readable by a computer.

For example, the recording medium may be a hard disk, a flash memory, a RAM, a ROM, or the like embedded in each reproduction apparatus, or an external optical disk such as a CD-R or a CD-RW, a compact flash card, a smart media, have.

In this case, a program recorded on a computer-readable recording medium includes the steps of activating a smart bankbook organizing application by recognizing an NFC tag attached to a financial automation apparatus (ATM) Receiving the details of the unrecorded transaction of the converted format, converting the unrecorded transaction details into the account organizing format, transmitting the unrecorded transaction details of the converted format to the ATM through the short distance communication, And displaying the information so that the user can confirm the information.

The functional operations and implementations described in the present specification may be embodied in digital electronic circuitry, computer software, firmware, or hardware, or a combination of any of the foregoing. The implementations described in the present disclosure may be implemented as one or more computer program products, that is, one or more modules associated with computer program instructions encoded on a program storage medium of the type for control of, or for execution by, Lt; / RTI >

While the drawings of the present invention depict operational processes, it should be understood that such operations should be performed in the order shown, in order to obtain the desired results, or that all illustrated operations should be performed. In certain cases, multitasking and parallel processing may be advantageous.

Further, specific embodiments have been described in the specification of the present invention. Embodiments are within the scope of the following claims. For example, the operations described in the claims may be performed in a different order, still achieving desirable results.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention.

Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

100: Deposit operation device (100)
120: Pooling mortgage participation deposit account department
130: Deposit DB
140: Pooling Collateral Operations Department
150: Pooling secured DB
160: Loan processor
170: Loan DB

Claims

A pooling security deposit account unit for opening a plurality of deposit accounts for pooling mortgages, setting a part of the amount of each opened deposit account as a pooling mortgage amount, and providing compensation according to the mortgage rate for the total deposit amount;
A pooling security operation unit for limiting a total loan amount based on the pooled security amount set from each deposit account; And
A loan processing unit for requesting a loan from a plurality of loan customers for the total pooling secured amount,
A pooled collateral participating deposit management device.

The method according to claim 1,
Wherein the pooling security operating unit collects the secured amount set according to the order of opening the deposit account when the delinquency rate of the loan rises to a predetermined level.

The deposit managing apparatus according to claim 1, wherein the loan processing unit manages a loan in a preset period.

The apparatus according to claim 1, wherein the compensation is a preferential interest rate.

As a method of operating a pooling deposit participating deposit management device,
Opening a deposit account for the pooling security, and setting a part of the amount of the opened deposit account as the pooling secured amount;
Defining a total loan amount based on a pooled secured amount set from a deposit account for a plurality of pooled mortgages;
Requesting a loan from a plurality of loan customers for the total pooling secured amount and processing a loan; And
Providing compensation to the deposit account in accordance with the guarantee rate for the total deposit amount
The method of pooled collateral participation deposit management.

6. The method of claim 5,
And when the delinquency rate of the loan rises to a predetermined level, the secured amount set in accordance with the opening order of the deposit account is recovered.

6. The method of claim 5,
And the lending is operated according to a preset period.

6. The method of claim 5, wherein the compensation is a preferential interest rate.