KR20210030241A - Method and apparatus of management a secured loan of valuable securities - Google Patents

Abstract

The present invention relates to a method and apparatus for managing a secured loan. In particular, the present invention relates to a loan condition management method of a conditional autonomous secured loan in a secured loan and visualization method and loan management system supporting the same. According to an embodiment of the present invention, a borrower can freely set loan conditions such as a loan to value (LTV), a closed trading rate, and an interest rate when performing a secured loan. According to an embodiment of the present invention, the borrower can freely set loan conditions such as the loan to value (LTV), the closed trade rate, and the interest rate through a screen visualized on a personal mobile device when executing the secured loan.

Description

How to manipulate, visualize, and manage loan conditions for condition-free mortgage loans{METHOD AND APPARATUS OF MANAGEMENT A SECURED LOAN OF VALUABLE SECURITIES}

The present invention relates to a method and apparatus for managing a mortgage loan. In particular, the present invention relates to a method of manipulating loan conditions, a visualization method, and a loan management system supporting the same for conditionally autonomous mortgage loans in mortgage loans.

Recently, various financial lending techniques have been developed using a P2P (Peer to Peer) system that deviates from the central server. In relation to this, in general, a process of lending secured with securities will be described with reference to FIG. 1.

Here, the term "securities" in the present specification is used in a broad sense including not only capital securities such as stocks, bonds, or bonds, but also currency securities including cryptocurrency. However, for convenience of explanation, the present invention is intended to describe securities as a major example of collateral, but the present invention is not limited thereto.

Accordingly, the present invention is equally applicable to real estate mortgage loans and credit mortgage loans as well as securities mortgage loans.

1 is a diagram illustrating a conventional general securities secured loan service flow chart as an example. In the past, loan services by companies that run financial business including P2P services (collectively referred to as ``financial institution 30'') are based on securities from customers who own securities. When the loan application is received (11), the request is approved or rejected through a loan review (12). Here, the approved loan request is referred to as'approved product'.

Thereafter, investors are recruited for the approved product from customers (investors) who have cash. However, investors can be recruited before applying for a loan. If the loan review is approved, a loan contract is established (13), and the financial institution 30 evaluates whether the value of the collateral has declined even after the loan contract is established (14), and if the value of the collateral falls below a set standard, , The loan contract is terminated and settled through automatic counter trading (15). Or, if the value of the collateral continues to be maintained within the validity period of the loan, settlement is performed after the expiration of the loan period and terminated (15).

In other words, in the conventional mortgage loan contract, the mortgage loan is performed according to the value of the collateral at the time of the contract, but if the value of the collateral drops to a certain level, in order to recover the loan principal, the loan principal is forcibly collected through automatic counter trading. .

Therefore, the conventional securities secured loan method mainly deals with loan products based on fixed loan conditions, and thus, there is a problem in that the loan borrower lacks a free choice suited to his or her own circumstances. In addition, in the conventional securities-backed loan method, management techniques are concentrated only on mechanical loan principal collection, so it is not possible to accurately evaluate the value of the collateral, and the risk of securing the principal after the contract is terminated rather than the technique of maintaining the contract by maintaining the security power. There was a problem that only management techniques were highlighted. In addition, there is a problem in that there is no accurate evaluation method for collateral other than the collateral provided by the lender, so it is not possible to propose a plan to maintain the collateral power.

Accordingly, an object of the present invention is to provide a mortgage loan management method and a loan management system that proposes a method of maintaining the security power in order to solve the problems of the prior art described above.

In addition, an object of the present invention is to develop a condition-autonomous financial product in which borrowers can freely set loan conditions in a mortgage loan contract, and a manipulation method and visualization method and a loan management supporting the same for convenience in understanding and use of borrowers. We want to provide a system.

Other objects and advantages of the present invention can be understood by the following description, and will be more clearly understood by examples of the present invention. In addition, it will be easily understood that the objects and advantages of the present invention can be realized by the means shown in the claims and combinations thereof.

In order to achieve the above object, the method of managing a mortgage loan of the present invention includes a method of manipulating the condition of a loan condition of a condition-free mortgage loan, and a visualization method in which the borrower can determine the loan condition by himself when executing the mortgage loan service.

In addition, in order to achieve the above object, the security loan management system of the present invention provides a method for manipulating and visualizing the conditions of a condition-autonomous mortgage loan, in which the borrower can determine the condition by himself when the mortgage loan service is executed. It includes a loan server, and a terminal implementing a method of operating and visualizing a loan condition of the mortgage loan.

According to an embodiment of the present invention, a method for manipulating and visualizing a loan condition of a conditional autonomous mortgage loan may allow a borrower to change the loan condition when executing a mortgage loan service, and the changed loan condition may be visualized and displayed through a display device.

In one embodiment, the loan condition may include one or more of a loan rate, an interest rate, and a counter trading rate.

In one embodiment, when one of the loan rate, the interest rate, and the counter trading rate is changed, only one of the remaining two may be changed.

In one embodiment, in the visualization of the changed loan conditions displayed through the display device, a mark capable of adjusting one or more of the loan rate, the interest rate, and the counter sale rate is displayed through the display device, and the loan rate, the interest rate, and When one or more of the counter trading rates are adjusted using the above mark, at least one of the remaining unadjusted is changed to a value calculated using the conditional autonomous mortgage loan valuation model and displayed through the display device. I can.

In one embodiment, the visualization through the display device may be displayed through a chart including at least one of the loan rate, interest rate, and counter sale rate of the loan condition.

A loan management system according to an embodiment of the present invention includes: a loan server that allows a borrower to change loan conditions and visualize the changed loan conditions when executing a mortgage loan service; And a terminal that changes the loan condition and displays a result of visualizing the changed loan condition.

In one embodiment, the loan condition may include one or more of a loan rate, an interest rate, and a counter trading rate.

In one embodiment, when one of the loan rate, the interest rate, and the counter trading rate is changed, only one of the remaining two may be changed.

In one embodiment, in the visualization of the changed loan conditions displayed through the display device of the terminal, a mark capable of adjusting one or more of the loan rate, the interest rate, and the counter sale rate is displayed through the display device, and the loan rate, When one or more of the interest rate and counter-selling rate are adjusted using the above mark, at least one of the remaining unadjusted is changed to a value calculated using the conditional autonomous mortgage valuation model and displayed through the display device. You can do it.

In one embodiment, the visualization through the display device may be displayed through a chart including at least one of the loan rate, interest rate, and counter sale rate of the loan condition.

According to an embodiment of the present invention, the borrower can freely set loan conditions such as a loan to value (LTV), a counter sale rate, and an interest rate when performing a mortgage loan.

According to an embodiment of the present invention, the borrower can freely set loan conditions such as a loan ratio (Loan To Value, LTV), counter trading rate, and interest rate through a visualized screen on a personal mobile device when performing a mortgage loan. .

According to an embodiment of the present invention, when a borrower changes loan conditions such as a loan ratio (Loan To Value, LTV), counter sale rate, and interest rate, changes of unchanged items related to the changed item are also visualized and displayed at the same time, so that the borrower is visually displayed. As a result, it is possible to help determine the loan conditions easily while checking the changes in the loan conditions in real time.

1 is a diagram showing a conventional general securities secured loan flow chart.
2 to 8 are diagrams for explaining a method of manipulating a loan condition and a visualization method of a conditional autonomous mortgage loan according to an embodiment of the present invention.
9 is a view for explaining a loan management system 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 so that those of ordinary skill in the art may easily implement the present invention. However, the present invention may be implemented in various different forms and is not limited to the embodiments described herein.

In describing an embodiment of the present invention, if it is determined that a detailed description of a known configuration or function may obscure the subject matter of the present invention, a detailed description thereof will be omitted. Further, in the drawings, parts not related to the description of the present invention are omitted, and similar reference numerals are attached to similar parts.

In the present invention, components that are distinguished from each other are intended to clearly describe each feature, and do not necessarily mean that the components are separated. That is, a plurality of components may be integrated into one hardware or software unit, or one component may be distributed to form a plurality of hardware or software units. Therefore, even if not stated otherwise, such integrated or distributed embodiments are also included in the scope of the present invention.

In the present invention, components described in various embodiments do not necessarily mean essential components, and some may be optional components. Accordingly, an embodiment consisting of a subset of components described in an embodiment is also included in the scope of the present invention. In addition, embodiments including other components in addition to the components described in the various embodiments are included in the scope of the present invention.

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

First, the terms disclosed in the present invention will be described as follows.

In the present invention, the term'condition-free mortgage loan' refers to a loan product in which the borrower can freely set the loan conditions of the loan ratio (Loan To Value, LTV), counter trading rate, and interest rate when the borrower executes a loan with an asset as collateral. .

Here, according to the loan conditions adjusted by the borrower, the loan conditions not adjusted by the borrower change in order to eliminate the risk of the borrower who lends funds.

In relation to the above, factors that can be adjusted by the borrower in the conditional autonomous mortgage loan may be a loan rate, a counter trading rate, an interest rate, and the like. The borrower calculates the remaining loan terms according to the loan terms adjusted by the borrower.

At this time, the remaining loan conditions are determined by the conditional autonomous mortgage loan valuation model. For example, when adjusting the loan ratio, the opposite loan rate is calculated, the opposite loan rate is calculated when the interest rate is adjusted, and the loan ratio is newly calculated when the opposite loan rate is adjusted. The conditional autonomous mortgage loan valuation model can be applied to the financial model/formula existing in existing financial engineering.

Unlike conventional mortgage loans, the condition-free mortgage loan requires a guide on the loan conditions because the borrower can directly adjust the loan conditions.

As an example, as a method for a borrower to manipulate the loan conditions of a conditional autonomous mortgage loan, a slide bar may be considered in the screen of a mobile terminal. Here, the slide bar is a horizontally or vertically long line, and there is a mark for indicating the loan condition, and the borrower can operate the mark by moving the mark left or right or up and down.

In addition, as an example, a triangular radar chart may be considered as a visualization technique to help understand the stability and profitability of conditional autonomous mortgage loans.

The changed loan conditions and calculated loan conditions on the slide bar are visualized through a triangular radar chart to help borrowers understand. As an example, a triangular radar chart is a graph in which the dot product is the origin and the vertex of an equilateral triangle is the maximum value, and three numbers can be represented as a graph.

Here, the loan rate and the interest rate counter trading rate of conditional autonomous loans are set as three input variables. The lower the value of the input variable is, the closer it is to the origin, and the higher the value, the closer it is to the vertex of the triangle. This will be described in detail later.

Next, the'conditional autonomous mortgage loan method' will be described in detail.

Unlike existing mortgage products, condition-free mortgage products allow the borrower to autonomously select the conditions for the loan products. There are factors that the borrower can adjust in the conditional autonomous mortgage loan by the borrower, the'loan ratio', the'anti-subscription rate', and the'interest rate', and the details are as follows.

For example, the'loan ratio' can be defined as meaning the ratio of the loanable amount to the value of the loan collateral. The'opposite trading rate' can be defined as meaning the ratio that is the basis for liquidation of collateral in order to prevent loss of principal and interest on loans due to a decline in collateral value. In addition, the'interest rate' can be defined as meaning the annual interest rate of interest to be paid by the borrower on a monthly basis, for example, on executed loans. There are no restrictions on the payment period and method (cash or in-kind, etc.) of the interest rate.

The loan conditions that the borrower can select are the above loan ratio (Loan to Value, LTV), counter trading rate, and interest rate. However, if the borrower changes one of the three conditions, one or more of the other two conditions may change, but if the other two conditions change when the borrower changes one of the three loan conditions, the loan condition setting Since there is a difficulty, in the present invention, if one of the three loan conditions that the borrower can change is changed, only one of the remaining two is changed, so that the borrower can more easily set the loan conditions.

The conditions that are changed by the borrower's choice are calculated by the condition-free mortgage loan valuation model.

For example, the conditional autonomous mortgage product model calculates optimized variable values based on the equilibrium condition between the borrower and the lender. The characteristics of a secured loan in which the loan is liquidated at the counter trading price is similar to the structure in which the right of an option is extinguished when the asset price falls below a certain amount (Barrier).

Next, the'conditional autonomy mortgage value determination model' will be described in detail.

If the borrower adjusts at least one of the above loan ratio, interest rate, and counter sale rate, the loan conditions must be recalculated to minimize the risk of the borrower supplying funds. In order to calculate the loan conditions, a conditional autonomous mortgage loan value determination model is used.

The conditional autonomous mortgage loan value (F) is determined as a function of the price of the collateral asset, the amount of the loan, the term of the loan, the risk-free rate, the amount of interest payment, and the price of the down and out call barrier option.

The following factors must be considered in the down and out call barrier option price (C).

1. The value or price of the collateral asset (the value of the underlying asset of the option)

2. Loan period (Option expiration period)

3. Risk-free interest rate

4. Volatility in return on collateral assets (volatility in return on underlying assets)

5. Loan amount (= loan ratio × collateral asset price) (strike price)

6. Counter trading price (= counter trading rate × price of collateral assets) (barrier)

The brackets refer to the variables in the option theory.

For the above conditions, the value of an autonomous mortgage loan (F) and the price of a down and out call barrier option (C) can be applied to the financial formula existing in the existing financial engineering.

Next, with reference to FIG. 2, the'optimal loan conditions' will be described in detail.

In order to determine the optimal loan conditions that are satisfied by borrowers and lenders, it is necessary to satisfy the condition of equilibrium between the value of the borrowers and lenders of condition-free mortgage loan. Therefore, it is necessary to calculate the equilibrium condition in which the value of the conditional-autonomous mortgage loan is zero (0), not positive (+) or negative (-), for each of the three loan conditions: lending ratio, interest rate, and counter trading.

For example, the correlation between each loan condition can be defined as follows. However, this corresponds to one example, and other embodiments are possible.

For example, the following loan conditions can have a positive (+) correlation with each other. When the loan ratio increases, the interest rate increases, and when the loan ratio increases, the counter-trading rate increases. When the counter trading rate increases, the loan ratio increases, and when the counter trading rate increases, the interest rate increases. When the interest rate increases, the loan ratio increases, and when the interest rate increases, the counter trading rate increases. The loan rate, counter trading rate, and interest rate of the terms of the loan can be changed within a specific range, respectively.

As described above, if one of the loan ratio, counter trading rate, and interest rate is changed, the other two may be changed, but in the present invention, in order to allow the borrower to more easily set the loan conditions, the interest rate is changed when the loan ratio is changed, and the interest rate When this is changed, the counter trading rate changes, and when the counter trading rate changes, the loan interest rate can be changed. This is because if the borrower changes the loan rate, it is difficult to determine the loan conditions if the counter trading rate and the interest rate change at the same time.

Next, with reference to FIG. 3, the risk management of the conditional autonomous mortgage loan value determination model will be described in detail.

By calculating the loan conditions of conditional autonomous mortgage loans, it is possible to determine the level of loan payment, interest level, and counter trading to protect the borrower who lends funds to the borrower. For example, the level of counter trading (collateralized value × counter trading rate) should be higher than the level of the loan amount (collateralized value × loan rate) and interest (loan amount × interest rate).

As shown in the graph below, as shown in the graph below, the higher the loan ratio (x-axis) and the higher the interest rate, the greater the gap between the counter trading rate and the interest rate.

Next, with reference to FIG. 4, a detailed description will be given of a method of operating a loan condition for a conditionally autonomous mortgage loan product.

For condition-free mortgage loan products, because the loan conditions are determined through the calculation of the condition-free mortgage loan value determination model, there is a need for a manipulation method that allows the borrower to easily manipulate the loan conditions and check the calculated conditions.

As a method for a borrower to manipulate the loan conditions of a condition-free mortgage loan product, it may be performed through, for example, a slide bar as shown in FIG. 4. However, FIG. 4 shows only an example of a slide bar, and the present invention is not limited thereto, and may be configured with various types of slide bars or numerical input windows.

In the form of a slide bar, the borrower can manipulate the level of loan conditions large or small through left and right manipulation, and set the upper and lower limits of the loan conditions that the borrower can manipulate depending on the loan product.

In addition, the slide bar is a long line horizontally or vertically, and there is a mark to indicate the loan condition, and the borrower can operate the mark by moving the mark left or right or up and down. The following is an example of adjusting the loan conditions through the slide bar.

1. Adjustment of loan ratio

The loan rate adjustment slide bar has a range of 0% to 100%, and the loan rate indicator (circle on the slide bar) should always be lower than the counter sale rate indicator. When the borrower adjusts the loan ratio by moving the indicator on the loan ratio slide bar, the interest rate slide bar is adjusted according to the interest rate calculated through the conditional autonomy mortgage value determination model.

2. Interest rate adjustment

The interest rate slide bar ranges from 0% to 24%, and the upper limit is 24% according to the upper limit on the loan interest rate. Due to the change in the upper limit of the upper limit on the loan interest rate, the upper limit of the interest rate may be changed.

When the borrower adjusts the interest rate by moving the marker on the interest rate slide bar, the counter sale rate slide bar is adjusted according to the counter sale rate calculated through the conditional autonomy mortgage value determination model.

3. Adjustment of counter loan rate

The counter trading rate slide bar ranges from 0% to 100%, and the counter trading rate indicator should always be higher than the loan rate indicator. When the borrower adjusts the counter sale rate by moving the marker on the counter sale rate slide bar, the loan rate slide bar is adjusted according to the loan interest rate calculated through the conditional autonomy mortgage value determination model.

The range of the slide bar of the loan rate can be adjusted in advance according to the institution that executes the loan.

Next, with reference to FIG. 5, the visualization effect of the conditional autonomous mortgage loan will be described in detail.

A visualization tool is needed to help borrowers and lenders compare and understand the relative terms of condition-free mortgage loans. A chart may be used as a visualization tool, and as an example, a triangular radar chart may be used, but the present invention is not limited thereto.

The triangular radar chart visualizes the changed loan conditions and calculated conditions on the slide bar, making it easier to understand the matters related to the change of the borrower's loan conditions. The operation method of the triangular radar chart is as follows.

The triangular radar chart is a graph in which the dot product is the origin and the vertex of an equilateral triangle is the maximum value, and three numbers can be expressed as a graph. Here, the loan rate, interest rate, and counter trading rate of conditional autonomous loans are set as three input variables.

The lower the value of the input variable is, the closer it is to the origin, and the higher the value, the closer it is to the vertex of the triangle.

1. When the borrower adjusts the loan ratio condition by adjusting the loan ratio slide bar

On the triangular radar chart, the existing loan rate figure is adjusted to the loan rate figure adjusted by the borrower, and if the counter sale rate is calculated through the lender's calculation, the existing interest rate figure is adjusted to the calculated interest rate figure.

2. When the borrower adjusts the interest rate condition by adjusting the interest rate slide bar

On the triangular radar chart, the existing interest rate value is adjusted to the interest rate value adjusted by the borrower, and when the counter sale rate is calculated through the lender's calculation, the existing counter sale rate value is adjusted to the calculated counter sale rate value.

3. When the borrower adjusts the counter trading rate condition by adjusting the counter trading rate slide bar

On the triangular radar chart, the existing counter sale rate figure is adjusted to the counter sale rate figure adjusted by the borrower, and when the loan ratio is calculated through the lender's calculation, the existing loan ratio figure is adjusted to the calculated loan ratio figure.

6 shows an example of implementing the conditional autonomous mortgage loan method of the present invention through a borrower terminal. The borrower realizes a loan service by downloading the homepage or app of a company that supports conditional autonomous mortgage loans according to the present invention through his/her personal terminal. At this time, the borrower can determine the conditions by himself in the order of “collateral type”, “collateral conditions” and “loan conditions”.

For example, the borrower terminal may be provided with a slide bar of FIG. 4 and/or a triangular radar chart of FIG. 5, and the borrower can determine a loan condition therefrom.

7 to 8 are diagrams illustrating an example in which the conditional autonomous mortgage loan method of the present invention is implemented in artificial intelligence (AI). For example, the conditional autonomous mortgage loan value determination model described above may be implemented by artificial intelligence (AI).

Referring to FIG. 9, the loan management system 1000 according to an embodiment of the present invention includes a loan server 100 for allowing a borrower to change the loan condition and visualize the changed loan condition when executing a secured loan service, and the loan condition. It may include a terminal 200 that changes and displays the result of visualizing the changed loan conditions.

The loan server 100 may include an operation unit (not shown) that calculates the borrower to change the loan condition and visualize the changed loan condition. The calculation unit visualizes the calculated result and the calculated result through the conditional autonomous mortgage loan value determination model based on the loan conditions (loan ratio, counter trading rate, interest rate) changed by the borrower through the terminal 200.

In addition, the loan server 100 may allow the terminal 200 to provide an input means for allowing the borrower to change the loan condition.

The terminal 200 may allow the borrower to change the loan conditions through an input unit (not shown) and may display a visualization result visualized through the loan server 100 through a display device.

A method of manipulating and visualizing a loan condition of a condition-free mortgage loan is implemented through the loan server 100 and the terminal 200, and the details to be implemented are the same as those described above, and thus a detailed description thereof will be omitted.

Various embodiments of the present disclosure are not listed in all possible combinations, but are intended to describe representative aspects of the present disclosure, and matters described in the various embodiments may be applied independently or may be applied in combination of two or more.

In addition, various embodiments of the present disclosure may be implemented by hardware, firmware, software, or a combination thereof. For implementation by hardware, one or more ASICs (Application Specific Integrated Circuits), DSPs (Digital Signal Processors), DSPDs (Digital Signal Processing Devices), PLDs (Programmable Logic Devices), FPGAs (Field Programmable Gate Arrays), general purpose It may be implemented by a processor (general processor), a controller, a microcontroller, a microprocessor, or the like.

The scope of the present disclosure is software or machine-executable instructions (for example, operating systems, applications, firmware, programs, etc.) that allow an operation according to a method of various embodiments to be executed on a device or a computer, and such software or It includes a non-transitory computer-readable medium (non-transitory computer-readable medium) which stores instructions and the like and is executable on a device or a computer.

The present invention described above, for those of ordinary skill in the art to which the present invention pertains, various substitutions, modifications and changes are possible within the scope of the technical spirit of the present invention, so that the scope of the present invention is described above. It is not limited by one embodiment and the accompanying drawings.

1000: loan management system
100: loan server 200: terminal

Claims (10)

When the mortgage loan service is executed, the borrower can change the loan conditions and the changed loan conditions are visualized and displayed through a display device.
The method of claim 1,
The above loan conditions are:
A method of manipulating and visualizing loan terms of conditional autonomous mortgage loans, including one or more of a loan rate, an interest rate, and a counter trading rate.
The method of claim 2,
If you change one of the above loan ratio, interest rate and counter trading rate,
Characterized in that only one of the remaining two is changed, a method of manipulating and visualizing a loan condition of a conditional autonomous mortgage loan.
The method of claim 2,
Visualization of the changed loan conditions displayed through the display device,
A mark capable of adjusting one or more of the loan rate, the interest rate, and the counter sale rate is displayed through the display device,
When one or more of the loan rate, interest rate, and counter sale rate are adjusted using the above mark, at least one of the remaining unadjusted is changed to a value calculated using the conditional autonomous mortgage loan valuation model, through the display device. Characterized in that being displayed, the method of operating and visualizing the loan conditions of conditional autonomous mortgage loan.
The method of claim 2,
Visualization through the display device,
Characterized in that displayed through a chart including at least one of the loan ratio, the interest rate and the counter trading rate of the loan condition, a method of operating and visualizing a loan condition of conditional autonomous mortgage loan.
A loan server that allows the borrower to change the loan condition and visualize the changed loan condition when executing the mortgage loan service; And
And a terminal for changing the loan condition and displaying a result of visualizing the changed loan condition.
The method of claim 6,
The above loan conditions are:
A loan management system that includes one or more of a loan rate, an interest rate, and a counter sale rate.
The method of claim 7,
If you change one of the above loan ratio, interest rate and counter trading rate,
A loan management system, characterized in that only one of the remaining two is changed.
The method of claim 7,
Visualization of the changed loan conditions displayed through the display device of the terminal,
A mark capable of adjusting at least one of the loan rate, the interest rate, and the counter sale rate is displayed through the display device,
When one or more of the loan rate, interest rate, and counter sale rate are adjusted using the above mark, at least one of the remaining unadjusted is changed to a value calculated using the conditional autonomous mortgage loan valuation model, through the display device. Characterized in that displayed, loan management system.
The method of claim 9,
Visualization through the display device,
The loan management system, characterized in that displayed through a chart including at least one of the loan ratio, the interest rate and the counter sale rate of the loan condition.

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