KR20230105873A - Automated system and method for settlement of loan loss provisions in the financial sector - Google Patents

Abstract

The present invention relates to an automated system for settlement of loan loss provisions in the financial sector connected to at least one customer terminal through a network, which stores customer information, sale information, market price information, loan amount information, actual transaction price information, map information, and regulatory area information. database unit; When the customer terminal accesses, member authentication is performed, information on the geographical location of the user is received from the customer terminal, information on the regulatory area of the area where the user is located is extracted in response to the user's location information, and a regulatory area indicator is displayed on the screen. Contains the server to display on. In this embodiment of the present invention, real estate regulatory area information is managed as a database, and information corresponding to a user's map location can be quickly displayed when location information is received from a user client and accessed to an application or website.

Description

{Automated system and method for settlement of loan loss provisions in the financial sector}

The present invention unifies the bank IFRS loan loss provision settlement process work platform with a terminal so that field and IT staff can monitor the current settlement work status at the same time and provides a settlement service that shortens the work required time by automating data collection and verification. It relates to a settlement automation system and method.

In general, along with the rapid development of communication technology and computer fields, computer communication and Internet communication have become an essential means for modern people as a place of information acquisition and exchange, and their functions and roles are explosively increasing.

As the Internet is activated, the Internet is emerging as one of the important sources of information. In particular, the Internet is gradually becoming the center of information to the extent that a significant portion of information on law, medical, etc., which in the past had to be consulted by experts, can be provided through the Internet.

On the other hand, in the conventional IFRS loan loss provision settlement process, field and IT staff must directly perform tasks such as data receipt confirmation, work execution, and verification at each stage in which bank account settlement work is performed.

Currently, a total of 100 tasks and verification procedures are required for settlement of accounts when carrying out loan loss provisioning work. That is, various work execution methods such as Tera-Stream, SecureCRT, JAS, and handwriting correction are mixed.

In addition, the period required to perform the loan loss reserve is about 10 days for the plain month settlement and 15 days for the quarterly settlement.

In particular, when data errors and verification problems occur, settlement work is delayed and has a great impact on follow-up work.

In this way, the loan loss provision settlement process takes a long time for each task (up to 28 hours) and the execution process is complicated, so there is a problem that it is not easy to perform rework when a work problem occurs, and it is the first task of the monthly settlement of the entire bank. Delay in time greatly affects follow-up tasks such as revenue recognition, annotation, and financial accounting, and disrupts the entire bank's settlement schedule.

Therefore, the loan loss provision settlement work is a task in which the person in charge of various departments (credit management department, credit evaluation model unit, etc.) collaborates, and it is necessary to improve communication and work efficiency between the person in charge.

The technical task to be achieved by the present invention is to improve the conventional problem, and it is possible to perform all monitoring and work on one screen by unifying the work performance platform into a terminal, and converting 100 existing work and verification procedures into 18 work topics. It is to provide an automated system and method for settling loan loss provisions in the financial sector, which are classified and integrated.

In addition, the technical problem to be achieved by the present invention is to improve the conventional problem, It is to provide an automated system and method for the settlement of loan loss provisions in the financial sector, which can shorten work time by automating data collection confirmation and verification, and enable real-time confirmation and execution of the loan loss provision settlement work process through mobileization.

The method for automating the settlement of loan loss provisions in the financial sector according to the characteristics of the present invention for solving these problems is,

As a method of automating the settlement of loan loss provisions in the financial sector of the financial sector loan loss provision settlement automation system connected through a network with a field person's terminal and an IT person's terminal,

Step of receiving the selection information of the field person in charge from the field person in charge terminal and generating a field account subject by the server (S110);

When the IT manager accesses the IT manager terminal, the server loads account data for the month of settlement and receives confirmation (S120);

When the IT staff member selects exposure generation with the IT staff terminal, the server loads basic customer information from the database unit and executes a project credit rating adjustment job and an asset extraction job for provisioning in response to the IT staff input (S130 );

When the IT manager selects the creation of the current account with the IT manager's terminal, the server loads CMBS data of overseas stores and capital market business systems for the month of settlement and receives confirmation (S140);

When the IT manager executes damage information calculation with the IT manager terminal, the server calculates damage (subject to bankruptcy) information from the loaded account data and CMBS data to calculate bad debt allowance (S150);

When the server receives the integrated default data from the outside, it executes the integrated default reflection damage creation task, and the IT manager proceeds with the integrated default reflection damage verification task with the IT manager's terminal. Confirming by pressing the complete button (S160);

When the person in charge of the field connects to the terminal of the person in charge of the field, the server provides necessary preliminary data before calculating the loan loss allowance and conducts a preliminary inspection (S210);

When the person in charge of the field checks and confirms the necessary preliminary data before the calculation of the loan loss allowance with the terminal of the person in charge of the field, the server starts settlement work (S220);

When the IT manager connects to the IT staff terminal, the server calculates and displays the loan loss allowance, and the IT manager presses the monitoring screen button to move to the allowance monthly settlement checklist screen, proceeds with the provision calculation and verification work, confirms the result, and verifies Confirmation by pressing the button (S230);

When a person in charge of the field accesses the terminal of the person in charge of the field, the server performs other tasks including the application of accrued interest on impairment and the work of basic data for fluctuations. Performing (S240);

When the person in charge of the field accesses the terminal of the person in charge of the field, the server determines the bad debt allowance including the fair value, the estimated loss, and the manual correction of the provision, and the person in charge of the field makes manual correction (S250);

Quarterly, when an examiner connects to an examiner's terminal and inputs individual assessment damage information, the server stores it in the database, and the IT person in charge presses the task execution button on the screen to proceed with the individual assessment damage verification task, then press the View Result button. Confirming the result and confirming by pressing the verification completion button when there is no abnormality (S260);

Quarterly, when the IT person in charge clicks the Provision Calculation button on the monitoring screen, the server performs the second loan loss allowance calculation task, presses the task execution button on the screen to proceed with the quarterly provision calculation verification task, and then clicks the View Result button to check the result. and confirming by pressing the verification completion button when there is no abnormality (S270);

When the person in charge of field work proceeds with follow-up work after confirming the provision, the server creates a change table, and when the IT person in charge accesses the IT person in charge terminal and verifies the change table, the server confirms the change table (S310);

When the person in charge of the field notifies the IT person in charge via messenger after sending the basic file, the person in charge of the field presses the Overseas fluctuation table execution button to have the server move to the provisioning basic data collection list management screen and load overseas data, and proceed with the overseas fluctuation table file verification task, and the result Confirming the result by pressing the view button and confirming the result by pressing the verification completion button when there is no abnormality (S320);

The server calculates the change table according to the selection of the IT staff on a quarterly basis and transmits the calculated change table (S330);

The server generates a bad debt reserve according to the selection of an IT person in charge, and the server adjusts the bad debt reserve result according to the selection of a field person in charge (S340);

The server organizes the bad debt allowance and change table data according to the selection of the IT personnel (S350).

The automated system for settlement of loan loss provisions in the financial sector according to the characteristics of the present invention for solving these problems is,

As an automated system for settlement of loan loss provisions in the financial sector connected through a network with at least one field person in charge terminal and an IT person in charge terminal,

a database unit including account data, overseas store data, and CMBS data;

When the field manager's terminal or the IT manager's terminal accesses the server, the server performs a process of settling loan loss provisions, and performs the above steps.

In the embodiment of the present invention, the work performance platform is unified with a terminal so that all monitoring and work can be performed on one screen, and about 100 existing work and verification procedures are classified into 18 work subjects and integrated. A settlement automation system and method may be provided.

In addition, in an embodiment of the present invention, It is possible to provide an automated system and method for the settlement of loan loss provisions in the financial sector, which can reduce the time required for work by automating data collection confirmation and verification, and check and perform the work process of loan loss provision settlement through mobile in real time.

1 is a diagram showing an automated system for settlement of loan loss provisions in the financial sector according to an embodiment of the present invention.
2a to 2c are operational flowcharts of an automated method for settlement of loan loss provisions in the financial sector according to an embodiment of the present invention.
3 to 9 are diagrams showing examples of screens provided in the method for automating the settlement of loan loss provisions in the financial sector according to an embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings, embodiments of the present invention will be described in detail so that those skilled in the art can easily carry out the present invention. However, the present invention may be embodied in many different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a certain component is said to "include", it means that it may further include other components without excluding other components unless otherwise stated.

1 is a diagram showing an automated system for settlement of loan loss provisions in the financial sector according to an embodiment of the present invention.

Referring to FIG. 1, the automated system for settlement of loan loss provisions in the financial sector according to an embodiment of the present invention,

As an automated system for settlement of loan loss provisions in the financial sector connected through a network with at least one field person in charge terminal and an IT person in charge terminal,

a database unit including account data, overseas store data, and CMBS data;

When the field manager's terminal or the IT manager's terminal accesses the server, the server performs a process of settling loan loss provisions, and performs the above steps.

The operation of the financial sector loan loss provision settlement automation system according to an embodiment of the present invention having such a configuration will be described as follows.

2a to 2c are operational flowcharts of an automated method for settlement of loan loss provisions in the financial sector according to an embodiment of the present invention.

3 to 9 are diagrams showing examples of screens provided in the method for automating the settlement of loan loss provisions in the financial sector according to an embodiment of the present invention.

The operation in the following is performed by a process in which the server responds by manipulating the field person's terminal or the IT person's IT person's terminal, and if necessary, the person in charge of field or IT may be plural or multiple, and the person in charge may be the same. may be

Referring to FIG. 2A , first, the server performs a step (S110) of generating a field account subject by receiving selection information of a field person in charge from the field person in charge terminal. Here, the person in charge of the field business must check whether a new account item has been created and whether the allowance for bad debts has been reflected on the first business day of settlement. After accessing the terminal screen, the field person in charge moves to the account subject management screen, FIG.

The monthly account subject information of the account subject management screen of FIG. 4 is generated by the server receiving account data. After checking the data on the corresponding terminal screen of the field manager's terminal, the person in charge of the field confirms the account for the settlement month by pressing the Confirm button. Allow IT staff to follow up.

Next, when the IT manager accesses the IT manager terminal, the server loads account data for the month of settlement and performs a step of receiving confirmation (S120). Here, the IT person in charge must check the data load and number of cases for the month of settlement.

When the IT manager presses the monitoring screen B. data loading check-automated operation [1. Move to screen] of FIG. 3, he moves to FIG. The basic data of allowance for bad debt is one of the account data, and the server proceeds with receiving and loading work.

Press the loading confirmation button on the corresponding screen of the IT staff terminal to check data loading, and if there is no abnormality in the difference in the number of loading cases, press the verification completion button.

Monitoring screen of FIG. 3 B. Data loading confirmation - automated operation 2. Pressing the balance verification button moves to the provision balance verification screen of FIG. 6 .

Next, press the operation button on the corresponding terminal screen of FIG. 6 to perform the mart-based provisioning balance verification operation, and then check the BS source difference to verify more than the difference.

Then, the monitoring screen of FIG. 3 B. Data loading confirmation-automated operation 3. When the verification button is pressed, the server moves to the provisioning monthly settlement checklist screen of FIG. 7 and provides it.

The terminal screen of the appropriation monthly settlement checklist of FIG. 7 helps the operator to smoothly verify the server by automatically setting the verification target according to the work step.

In addition, the IT person in charge presses the job execution button on the corresponding terminal screen of FIG. 7 to proceed with the exposure pre-inspection 1 and 2 verification work, and then press the view result button to check the result. If there is nothing wrong, the IT person in charge presses the verification complete button to confirm.

Then, when the IT person in charge selects exposure generation with the IT person in charge terminal, the server loads basic customer information from the database unit, and executes a project credit rating adjustment task and an asset extraction task for provisioning in response to the IT person's input. Step S130 is executed. Here, the IT person in charge must create basic information on the subject of impairment and allowance for bad debts. Customer basic information is loaded by the server from account data. The IT person in charge executes the project credit rating adjustment task and the extraction of assets subject to provisioning by clicking the monitoring screen C. Exposure creation 1.Execute button.

Next, when the IT manager selects creation of current account with the IT manager terminal, the server loads the CMBS data of overseas stores and the capital market business system for the month of settlement, and executes a step of receiving confirmation (S140). Here, the IT staff must load not only account data, but also overseas store data and capital market business system (CMBS) data.

Overseas store data can be received from the person in charge of the global platform department, and data from the capital market business system can be received from the person in charge of the field of the capital market platform department.

The IT person in charge moves to the monitoring screen D. Data loading confirmation - at any time 1. Click the screen movement button to move to the provisioning basic data collection list management screen of FIG. 8 .

Then, by pressing each button on the corresponding terminal screen, the server performs loading of overseas data and CMBS data. If the files come individually, press the Load Individual button.

The provisioning basic data provided by the server, the maintenance list management terminal screen automatically sets the maintenance target according to the work stage to help the worker perform the loading work smoothly.

When an additional file is received, the server displays it in red to determine whether additional loading is required. The IT person in charge presses the verification completion button when loading is completed without data errors.

Next, the IT person in charge moves to the monitoring screen D.Data loading check-frequent 2.Overseas verification button to move to the provisioning monthly settlement checklist screen provided by the server.

The IT person in charge presses the task execution button on the screen to proceed with overseas verification 1 and 2, then press the view result button to check the result, and if there are no abnormalities, press the verification completion button to confirm.

Next, the IT person in charge moves to the monitoring screen D.Data loading confirmation-anytime 3.CMBS verification button to move to the screen for the provisioning monthly settlement checklist provided by the server.

The IT person in charge presses the task execution button on the screen to proceed with the CMBS verification process, then press the view result button to check the result, and if there are no abnormalities, press the verification completion button to confirm.

Then, when the IT manager executes damage information calculation with the IT manager terminal, the server performs a step of calculating damage (subject to bankruptcy) information from the loaded account data and CMBS data to calculate loan loss allowance (S150) . Here, the IT person in charge must first calculate the damage (default) information from the loaded data to calculate the loan loss allowance.

The IT person in charge has the monitoring screen E. Create impaired assets for bank 1. Press the Execute button to make the server execute the task.

When the final damage determination task is completed, the IT person in charge moves to the provisioning monthly settlement checklist screen provided by the server by pressing the 2. Damage Verification button.

The IT person in charge presses the task execution button on the screen to proceed with the damage verification for the bank portion, then press the view result button to check the result, and if there are no abnormalities, press the verification completion button to confirm.

The IT person in charge sends the bank impairment calculation data to an external system (for example, KB Financial Group) by clicking the [E. Create bank-impaired assets 3. Send to holding] button on the monitoring screen.

Person in charge of external system (KB Financial Group) receives account data, overseas store data, CMBS data, and (KB) card data, generates integrated default data by server, and integrates default data into KB Kookmin Bank field manager and KB Card manager send it back to

Next, when the server receives the integrated default reflection data from the outside, it executes the integrated default reflection damage creation task, and the IT manager proceeds with the integrated default reflection damage verification task with the IT manager's terminal, presses the View Result button to confirm the result, and confirms the result. A step (S160) of confirming by pressing the verification completion button is performed. Here, the IT person in charge must reflect the KB card impairment data to calculate the allowance for bad debts. When integrated default data is received from KB Financial Group, the server automatically executes the creation of integrated default reflection damage.

When the integrated default creation task is completed, the IT person in charge moves to the monitoring screen F. Create integrated default reflection damage 1. Verification button to move to the provisioning monthly settlement checklist screen provided by the server. The IT person in charge presses the task execution button on the screen to proceed with the integrated bankruptcy reflection damage verification task, press the view result button to check the result, and if there are no abnormalities, press the verification completion button to confirm.

Then, referring to FIG. 2B , when the field person in charge accesses the field person's terminal, the server provides necessary preliminary data before the loan loss allowance calculation operation and performs a preliminary inspection (S210). Here, the person in charge of the field should check the necessary data in advance before calculating the loan loss allowance. Subjects for pre-inspection are project credit ratings, receivable interest on contract loans, and workout borrowers. Each task must be performed on the terminal screen, and the person in charge of field work can move directly to the corresponding screen by the server by clicking on each step on the monitor and screen G. Preliminary check for allowance calculation. The person in charge of the field moves the screen and performs settlement work suitable for each task.

Next, when the person in charge of the field checks and confirms necessary preliminary data before the calculation of the bad debt allowance with the terminal of the person in charge of the field, the server performs the step of starting settlement work (S220). Here, the person in charge of field work must check and confirm the necessary data before calculating the loan loss allowance. The subject of confirmation is stage classification confirmation, bankruptcy, recall, credit rating confirmation, etc.

Each task must be performed on the terminal screen, and the person in charge of the field can directly move to the corresponding screen provided by the server by clicking each step on the monitoring screen H. The person in charge of the field moves the screen and performs settlement work suitable for each task. When the person in charge of the field confirms the pre-inspection of the provision calculation, the server automatically starts the settlement process. First, the server starts the revenue recognition task and, as a follow-up task, calculates the allowance for bad debts.

Next, when the IT manager accesses the terminal of the IT manager, the server calculates and displays the loan loss allowance, and the IT manager presses the monitoring screen button to move to the allowance monthly settlement checklist screen, proceeds with the provision calculation and verification work, and checks the result, A step of confirming by pressing the verification completion button (S230) is performed. Here, the IT person in charge must verify the result after calculating the allowance for bad debts. The balance verification work is automatically performed by the server, and the IT manager moves to the provisioning monthly settlement checklist provided by the server by clicking the monitoring screen I. Provision Calculation 2. Verification button.

The IT person in charge clicks the task execution button on the provisioning monthly settlement checklist screen provided by the server to proceed with the provisioning calculation verification task, then press the view result button to check the result, and if there are no abnormalities, press the verification completion button to confirm.

Next, when the person in charge of the field accesses the terminal of the person in charge of the field, the server performs other tasks including the application of accrued interest on impairment and the work of basic data for fluctuations, and the person in charge of the field moves the screen from Appropriation Others on the monitoring screen to fit the above other tasks. The step of performing the settlement work (S240). Here, the person in charge of the field should perform other tasks after calculating the allowance for bad debts. Among other tasks, the application of interest receivables for impairment and the basic data for fluctuation statements are automatically performed by the server. The guarantee confirmation task must be performed on the terminal screen, and the field person in charge can move directly to the relevant screen by clicking on the step on the monitoring screen J. Appropriation Others. do.

Next, when the person in charge of the field accesses the terminal of the person in charge of the field, the server determines the bad debt allowance including the fair value, the estimated loss, and the manual correction of the provision, and the person in charge of the field performs manual correction (S250). Here, the person in charge of the field should proceed with the data confirmation and manual correction work after the loan loss allowance calculation work. The tasks to be performed are fair value, ㅇ Estimated loss confirmation, and manual correction of provisioning. The person in charge of the field can directly move to the corresponding screen provided by the server by clicking each step on the monitoring screen K. Determination of provisioning and manual correction. . The person in charge of the field moves the screen and performs settlement work suitable for each task.

Next, if the examiner connects to the examiner's terminal on a quarterly basis and inputs individual assessment damage information, the server stores it in the database, and the IT person in charge presses the task execution button on the screen to proceed with the individual assessment damage verification task, then click the View Result button. Press to confirm the result, and if there is no abnormality, press the verification completion button to confirm the step (S260). The corresponding task of this step (S260) is a task that is performed only in quarterly months (3rd, 6th, 9th, and 12th months). In the case of a normal month, the server does not activate the button to disable the operation.

Individual evaluation is a process in which a bank examiner conducts and evaluates loan objects individually through an examiner's terminal and reflects them. In quarterly months, the judge accesses the server with the judge's terminal, performs individual evaluation, and inputs data through the judge's terminal.

The IT person in charge starts the individual assessment damage reflection task by clicking the monitoring screen L.Individual Assessment Impairment Reflection 1.Execute button. Monitoring screen after work is performed L.Individual evaluation impairment reflection 2.Click the verification button to move to the provisioning monthly settlement checklist screen provided by the server. Press the task execution button on the screen to proceed with the individual assessment damage verification work, then press the view result button to check the result, and if there are no abnormalities, press the verification completion button to confirm.

Next, quarterly, when the IT person in charge clicks the provision calculation button on the monitoring screen, the server performs the second loan loss allowance calculation task, presses the task execution button on the screen to proceed with the quarterly provision calculation verification task, and presses the result view button to obtain the result. After confirming, and if there is no abnormality, a step of confirming by pressing the verification completion button (S270) is performed. Here, the corresponding task of this step (S270) is a task that is performed only in quarterly months (March, June, September, and December). The button is not activated by the server to make it impossible to work if it is a normal month.

The IT person in charge must calculate the loan loss allowance reflecting the individual evaluation, so the second loan loss allowance calculation work must be performed. To this end, the IT manager clicks the monitoring screen M.Appropriation Calculation 1. Execute button to make the server perform the second loan loss allowance calculation.

The balance verification work is automatically performed by the server, and the IT person in charge moves to the monitoring screen M. Calculation of Provisions 3. Verification button after performing the work, and moves to the Provisions Monthly Settlement Checklist screen provided by the server.

Press the task execution button on the corresponding screen to proceed with the quarterly provision calculation and verification task, then press the view result button to check the result, and if there are no abnormalities, press the verification completion button to confirm.

Next, referring to FIG. 2C, when the field manager proceeds with follow-up work after confirming the allowance, the server generates a change table, and when the IT manager accesses the IT staff terminal and verifies the change table, the server confirms the change table ( S310) is performed. Here, the IT person in charge should prepare a change table after calculating the allowance for bad debts. The change table indicates the trend of changes in allowance for bad debts and is used as reporting data. When the person in charge of the field conducts follow-up work after checking the provisioning, a change table is created by the server, followed by the creation of the settlement journal statement, the creation of the conversion statement statement, and the creation of the report.

The IT person in charge should perform verification work after working with the fluctuation table. The IT person in charge moves to the monitoring screen N. Change table execution 1. Click the verification button to move to the provisioning monthly settlement checklist screen provided by the server.

The IT person in charge presses the task execution button on the screen to proceed with domestic fluctuation table verification 1 and 2, then press the view result button to check the result, and if there are no abnormalities, press the verification completion button to confirm.

Next, when the person in charge of the field notifies the IT person in charge via messenger after sending the basic file, the person in charge of the field presses the Overseas fluctuation table execution button to have the server move to the provisioning basic data collection list management screen and load overseas data, and proceed with the overseas fluctuation table file verification process. After checking the results by pressing the View Result button, and confirming the result by pressing the verification completion button when there is no abnormality (S320) is performed. Here, the IT person in charge must perform the task of calculating the overseas data fluctuation table. The basic file required to prepare the overseas change table is received from the person in charge of the Global Platform Department, who is in charge of the field. The person in charge of the global platform department notifies the person in charge of IT through a messenger after sending the basic file.

Then, the IT person in charge moves to the monitoring screen O. Overseas fluctuation table execution 1. Overseas fluctuation loading button to move to the provisioning basic data collection list management screen and load overseas data.

Next, the IT person in charge moves to the monitoring screen O. Overseas fluctuation table execution 2. Overseas loading verification button, and moves to the provisioning monthly settlement checklist screen. Press the Execute button on the corresponding screen to proceed with the verification of the overseas fluctuation table file, then press the View Result button to check the result, and if there are no abnormalities, press the Verification Complete button to confirm.

Next, the IT person in charge presses the monitoring screen O.Execute foreign fluctuation table 3.Execute button to make the server start calculating the foreign fluctuation table.

After performing the overseas fluctuation table, the IT person in charge moves to the Provision Monthly Settlement Checklist screen by pressing the O. Overseas fluctuation table operation 4. Verification button.

Next, the IT person in charge presses the task execution button on the screen to proceed with the overseas fluctuation table verification task, press the view result button to check the result, and if there are no abnormalities, press the verification completion button to confirm.

Next, the server calculates the variance table according to the selection of the IT staff on a quarterly basis, and transmits the calculated variance table (S330). Here, the task is a task that is performed only in quarterly months (March, June, September, and December). In the case of a normal month, the server does not activate the button to disable the operation.

The IT person in charge must transmit the calculated change table every quarter to notes and internal transactions. At the request of the person in charge of annotation, the person in charge of IT performs the task of transmitting the change table by pressing the monitoring screen P. Calculation of fluctuation table, I/F of annotation disclosure I/F, and I/F of internal transaction.

Thereafter, the server generates a bad debt reserve according to the selection of the IT person in charge, and the server adjusts the bad debt reserve result according to the selection of the field person in charge (S340). Here, the IT person in charge should have the server calculate the difference between the amount calculated in soundness and the amount calculated for bad debt allowance, and this difference is called bad debt reserve.

The IT manager clicks the 1. Execute button on the monitoring screen Q. Create bad debt reserve, and let the server perform the bad debt reserve creation task.

After completing the work, the IT person in charge moves to the monitoring screen, Q. Create bad debt reserve, and 2. Verify by clicking the checklist screen for monthly settlement of allowances.

On the corresponding screen, the IT person in charge presses the task execution button to proceed with the reserve verification task, then press the view result button to check the result, and if there are no abnormalities, press the verification completion button to confirm.

Next, after working on the reserve, the person in charge of the field moves to the monitoring screen Q. Creation of bad debt reserve, and 3. screen movement button to move to the bad debt reserve result adjustment screen provided by the server in FIG. 9 .

After checking the data, the person in charge of field work confirms it by pressing the Confirm button after manual correction if there is a data error such as the estimated loss amount.

Next, the server performs step 350 of arranging loan loss allowance and fluctuation table data according to the selection of the IT person in charge. Here, the IT person in charge has to organize the allowance for bad debts and change table data. To this end, the server stores the allowance and change table data in a table in the database unit and loads them in the EDW.

The IT manager presses the monitoring screen R. Determination of provisioning and history creation, 1. Execute button to make the server perform the history creation task. After completing the work, the IT person in charge moves to the provisioning monthly settlement checklist screen provided by the server by pressing R. Determination of provisioning and creation of history, and 2. Verification (loading and EDW) buttons on the monitoring screen.

Next, the IT person in charge presses the task execution button on the corresponding screen to proceed with the history creation verification 1,2 and EDW loading verification tasks, and then press the view result button to check the result, and if there are no abnormalities, press the verification completion button to confirm.

The bad debt allowance data calculated by the monthly settlement work is loaded into the database by the server and used in subsequent work.

Through this process, the monthly settlement of loan loss provisions is completed.

In the above process, the loan loss allowance settlement work is automated, all work and verification can be performed on the terminal screen through process integration, parameters (base year, month, etc.) are automatically set when the work is performed, and automatic work is performed when data is received.

In addition, it is possible to automate the classification of necessary work according to the settlement month (plain month, quarterly).

In addition, in the embodiment of the present invention, a pop-up notification function for preventing work errors is added, and task execution rights are assigned so that only tasks suitable for user rights can be performed.

In addition, work convenience increases with the addition of a terminal screen movement link, and the server displays the progress status in color as needed, making it easy to grasp the progress status. For example, green (completion), yellow (progress), gray (waiting), red (error), etc. may be displayed.

In addition, the person in charge of related tasks (field work, IT staff) can communicate smoothly and efficiently adjust work schedules by sharing opinions on work progress.

In addition, it is possible to check real-time work by applying mobile Wisenet loan loss provision settlement monitoring, real-time monitoring of settlement work through a smartphone, and in case of work error, it is possible to check the work status and rework in connection with the Liv Smart notification message.

In addition, it is possible to execute work through a smartphone without accessing the server through the bank system, and it is possible to flexibly perform settlement work in case of an emergency.

In addition, in the embodiment of the present invention, it is possible to provide operation manuals, educational materials, and settlement automation system manuals,

It is possible to provide a manual for settlement work that is suitable for each settlement stage and schedule,

It is possible to deliver information such as solutions and countermeasures when errors occur,

IT-related information and educational materials can be provided,

Easy access is possible through the provision of a QR link,

By providing educational videos, it is possible to improve the educational efficiency of the person in charge of settlement.

In addition, in the embodiment of the present invention, the time required for IFRS loan loss allowance settlement work is reduced through automation,

It greatly reduces the work flow of various existing tasks of related field and IT staff to increase work convenience,

Reduce the waiting time for unavoidable file receipt and file verification by other departments through automation,

The introduction of an automated settlement process is expected to reduce the time required for settlement of loan loss provisions by up to 3 days.

It is possible to perform flexible settlement work through mobileization,

It is possible to check the settlement work progress process in real time and perform settlement work through a smartphone,

By identifying the required work time, the person in charge is expected to perform work flexibly according to the settlement work stage,

Work efficiency is expected to increase by combining cloud functions with the expansion of IT device platforms such as tablets,

The person in charge of field work improves work efficiency by moving away from passively checking work results and actively performing settlement work.

The person in charge of the new task can smoothly understand and execute the task, and it is easy to take over,

Real-time settlement information is provided, enabling smooth communication between field managers and IT staff.

Share the settlement ownership, not the authority and responsibility of each person in charge of the field and IT,

Prevent settlement accidents by strengthening internal control through self-settlement authority management,

IT personnel can move away from simple system maintenance and improve work efficiency by improving services and introducing new technologies.

Maintenance costs are reduced through work automation and simplification,

Work effectiveness is increased by increasing employee productivity and efficiency,

It is expected to introduce a company-wide automation system through propagation to other departments,

Automated processes can be applied to most procedural tasks among field department tasks,

It is expected to generate revenue through package-type sales through customization to financial companies that perform settlement of accounts.

The embodiments of the present invention described above are not implemented only through devices and methods, and may be implemented through a program that realizes functions corresponding to the configuration of the embodiments of the present invention or a recording medium on which the program is recorded. Implementation can be easily implemented by an expert in the technical field to which the present invention belongs based on the description of the above-described embodiment.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements made by those skilled in the art using the basic concept of the present invention defined in the following claims are also included in the scope of the present invention. that fall within the scope of the right.

Claims (6)

As a service method for displaying loan regulation areas in a financial sector loan loss provision settlement automation system connected through a customer terminal and a network,
Displaying, by the server, a map on a scale for displaying local information;
receiving information about a user's geographic location from the customer terminal;
extracting regulatory area information of an area where the user is located in response to the user location information;
and displaying, by the server, a regulatory area indicator on a screen.
The color of the regulatory area indicator indicates the regulatory area classification code, red indicates the speculation area, orange indicates the speculative overheating district, and yellow indicates the adjustment target area.
According to claim 1,
The method of automating the settlement of loan loss provisions in the financial sector further comprising the step of the server responding in real time to the coordinates that are relocated by the user moving the map location to another place.
According to claim 2,
Wherein the server refreshes the display information of the regulatory area when the coordinates move to a different regulatory area, and releases the color of the indicator when moving to a non-regulated area.
As an automated system for settlement of loan loss provisions in the financial sector connected through at least one customer terminal and a network,
a database unit for storing customer information, property information, market price information, loan amount information, actual transaction price information, map information, and regulated area information;
When the customer terminal accesses, member authentication is performed, information on the geographical location of the user is received from the customer terminal, information on the regulatory area of the area where the user is located is extracted in response to the user's location information, and a regulatory area indicator is displayed on the screen. Financial sector loan loss provision settlement automation system including a server displayed on the image.
According to claim 4,
The database unit,
Customer member information DB that stores customer member information;
A property information DB for storing sales or chartered property information;
Market price information DB for storing market price information of real estate;
Loan amount information DB for storing the loan amount information of the sale;
an actual transaction price information DB for storing actual transaction price information;
a map information DB that stores map information;
An automated system for settlement of loan loss provisions in the financial sector that includes a regulatory information DB that stores regulatory information.
According to claim 5,
The server,
A member management unit that authenticates customer members and broker members;
a web page providing unit that provides a web page;
A financial sector including a regulatory information control unit that receives information on the user's geographical location from the customer terminal, extracts regulatory area information of the area where the user is located in response to the user's location information, and displays a regulatory area indicator on a screen. Debt Loss Reserve Settlement Automated System.

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