201222457 六、發明說明： 【發明所屬之技術領域】 本發明係關於一種企業融資之債權管理方法，特別是指可 抑制金融機構逾期放款產生，同時又可避免處分保證人擔保品 或資產’創造金融機構及保證人雙赢之企業融資債權管理方 法。 【先前技術】 中小企業一直是台灣經濟發展的基石，依據經濟部中小企 業處統計資料顯示，至2010年’全國中小企業為1，247,998家， 占全國企業總戶數1，277,585家之97.68%。中小企業就業人數 819萬人，占全國總就業人數1()49萬人之78 〇6%，中小企業. 銷售值為新臺幣10,709,005百萬元，占全國總銷售值之 29.55%，由此觀之中小企業對台灣的貢獻及重要性。 然而，中小企業不論是財務管理，或是業務拓展及經營管 理等，均依賴經營者個人經驗統籌，高度的人治，造成財會制 度不健全、透明度不佳，管理能力薄弱，經營風險高，進而影 響金融機構對中小企業資金融通的意願，根據行政院金融監督 管理委員會資料，截2011年8月，本國銀行對中小企業之放 款為新臺幣4幻佰億元，占全體企誠款餘額之4644%， 逾期放款比料_%，高於全齡融機獅·逾期放款之 ’這錢示金融機構承作營運高度依賴經營者個人經驗 之中小企業放款，確實承受比較高的授信風險。 201222457 鑑於台灣中小企業多為家族式，規模較小，尤其小企業大 部分由夫妻共隨營，營運高倾_營者之獻鎌，經營 者為維繫企業持續且繼絲之重要_，仙絲機構辦理 中小企業貸款均會徵提經營者為保證人，俾於企業無法履行債 務契約時制向保證人求償，轉障麵機構之債權。 當企業貸款發生義後，對金賴構而言，傳統債權保障 之管理模式，就是投人可_人力龜，再經觀長之訴 序以取得執行名義，擔細_分_品、申請制保證機 構代位清償或執行借戶及保證人資產（遺產）等，無擔保授信 倘借戶及紐人尚有資產（遺產）可供執行軸借戶及保證 人執行處分，所以，無論擔保授錢者是無擔倾信，金融機 構對於受償不足部分，紐_銷祕，認列損失。 傳統債權保障之管理模式，對於營運高度依賴經營者個人 經驗之企業’其融資之保證人（經營者）一旦不幸身故或發生 重大傷殘’企業往往陷入經營困境，貸款發生逾期金融機構 並無法就企業及保證人（經營者）名下資產（遺產）以外之財 產處分求償。 由上述說明可知，當經營者一旦不幸身故或發生重大傷殘 時止業之營運恐產生危機，致向金融機構之融資無法履約， 金融機構必須耗費可觀之人力資源健，並經過冗長之訴訟程 序取付執仃名義，企業及保證人财祕品或資產（遺產）可 ’、執行*執行處分，部分金細^構賴^肖呆帳，這影響 201222457 金融機構債權甚鉅 ㈣彻鱗 風險較高之中小企業，實有必要 、扠仏 理方法，鱗咖__她 保品或資產。 卞"丘人擔 由此可見，上述習用債權保障管理方法仍 實非-良善之設計者，而亟待加贼良。心缺失’ 用債權保障管理方法所衍生的各 項缺點’乃亟思加贼良_，趣^苦心崎潛心研究 後’終於成功哺絲本件企㈣f之侧管 【發明内容】 法。 本發明之目的係當企魏資之健人— 生重大傷殘時’企業於金融機構之融資可於;一== 身保險理賠金受償貸款，有效抑制金L 並避免訟累處分企業及保證人擔保品或資產。T座王 為了達到上述目的’本發明企業融資之債權 有以下步驟： 万淥匕s 步驟一：知悉企業融資需求； 步驟一.受理企業融資申請； 步驟三：徵提保證人； 步驟四：徵信調查； 步驟五：授信審查； 201222457 步驟六：核定； 步驟七：簽訂借款契約； 步驟八：借款撥付。 其中，係於上述各步驟間或步驟人後，金融機構洽保證 人投保以保證人為被保險人，並以金融機構為第一順位受益 人之人身保險。 透過上述步驟，改變了金融機構企業融資授信5 p傳統 債權保障之管理模式，顛覆了金融機構傳統企業貸款無法藉 由人身保險之理賠金直接受償企業貸款。 【實施方式】 為讓本發明之上述和其他目的、特徵和優點能更明顯易 懂，下文特舉出較佳實施例，並配合所附圖式，作詳細說明如 下。 請參閱第一圖所示，為本發明企業融資之債權管理方法其 債權官理方法實施前之示意說明；傳統債麵障之管理模式， 保證人一旦不幸身故或發生重大傷殘時，企業之營運產生危 機，融資無法履約，金融機構必須投入可觀之人力催繳，並經 過冗長之訴訟程序取得執行名義，擔保授信就處分擔保品、申 4½用保證機構代位清償或執行借戶及保證人資產（遺產） 等，無擔保授信倘借戶及保證人尚有資產（遺產）可供執行， 則向借戶及保證人執行處分，触，無論擔保雜或者是無擔 保授彳§，金融機構因無法就企業及保證人名下資產（遺產）以 6 201222457 外之財產顧’對於受償不足部分，僅能轉縣帳，認列損失。 上述傳統之債權保障管理模式，對於保證人身故或發生 重大傷殘101時’企業經營往往發生危機102，對金融機構 而言，則相對會產生逾期放款103，此時金融機構僅能就企 業及保S登人之資產(遺產)進行處分求償1〇4，無論是無資產 可處分1〇5或受償不足106部份時，則只能轉銷呆帳1〇7並 產生呆帳損失108，當金融機構處分保證人資產時，保證人 資產(遺產)遭法院拍賣，更讓保證人家屬流離失所1〇9，而 衍生社會問題。 經由上述說明可知，目前傳統之債權保障管理模式無論 對於金融機構或者保證人而言，均為雙輸之情況，實有必要 加以改善。 請參閱第二圖所示，為本發明企業融資債權管理方法之 實施流程示意圖； 本發明企業融資債權管理方法改變了金融機構企業融 資授信5 P傳統債權保障之管理模式，詳細且完整的債權管 理方法包含授信流程、保證人投保人身保險規則及受償順序 等，顛覆了金融機構傳統企業貸款無法藉由人身保險理賠金 受償企業貸款。 本發明之完整企業融資債權管理方法流程如下： 金融機構知悉企業融資需求201，訪談企業並受理融資 申凊202 ’評估是否徵提保證人203，無擔保授信同時評估 201222457 是否須移送信用保證機構保證204，於此步驟中，若金融機 構評估無彡驗提紐人，金賴制進行齡調查流程 2〇5 ’倘金融機構受理係為無擔保授信，則直接進行授信審 查206 ’再進行核定2〇7，接著進行簽訂借款契約2〇8，契約 簽訂完成後，_企紐·付，絲企麵資撥付程 序。 反之，若金融機構受理為擔保授信時，接著進行擔保品 鑑估210程序，接著進入授信審查211，再進行核定212， 核定後始辦理擔保品抵押權、質權設定等213，接著進行簽 訂借款契約214，契約簽訂完成後，珊企業借款撥付215， 元成企業融資撥付程序。 若金融機構評估後仍認為須徵提保證人時，則金融機構 可詢問保證人是意投保以保證人為被紐人，以金融機 構為第-順位受益人之人身保險216，若保證人不願意時， 即進入徵信触217流程’倘為無擔紐信，職接進行授 信審查218，再進行核定219，接著進行簽訂借款契約22〇， 契約簽訂完概，麟企魏款撥付壯業师撥 付程序。 反之，倘為擔保授信時，則進行擔保品鑑估222程序， 接著進入授信審查223，再進行核^ 224，核定後始辦理擔 保品抵押權、質權奴等225，接著進行簽訂借款契約挪， 契約簽訂完成後，_企業借款撥付227，完成企業融資撥 8 201222457 付程序。 若保證人願意投保以保證人為被保險人，以金融機構為 第一順位受益人之人身保險216並提出申請，此時，金融機 構檢視被保險人投保資格是否符合228，若被保險人不符合 投保資格時，則逕進入徵信調查217及後續授信等流程。 若保證人符合投保資格228時，除同步進入徵信調查 217及後續授信流程至借款撥付221或227外，另訂定投保 金額229，再審核是否足額投保23〇(投保金額等於或大於授 信金額）’接著審核是否足期投保231(投保期間等於或大於 授信期間），審雖職核險種為平準型或载型232，再接 著檢核次順位受益人233，並同時審核借戶或保證人於莖金 融機構授信案是否有送信用保證機構保證234，若渠等授信 案件均無難祕職構紐，保證人财選擇以現金缴納 保費或者辦理保費貸款235 ,進行投保。 右金融機構審核借戶或保證人於莖金融機構之授信案 (含本筆）錢侧紐__時則胸免投保本 金融機構238 =人身保險236，亦或選擇以現金繳納保費或者辦理保費 貸放237進行投保，並於投保後，變更第一順位受益人為非 為了讓委員能更加瞭解整個企業融資債權管理方法 別以步驟之方式敘述： 、 步驟一：知悉企業融資需求； 9 201222457 步驟二：受理企業融資申請； 步驟三：徵提保證人； 步驟四：無擔保授信評估是否送信用保證機構保證； 步驟五·投保以保證人為被保險人，以金融機構為第〜 順位受益人之人身保險； 步驟六.審核被保險人是否符合投保資格； 步驟七：訂定投保金額； 步驟八：是否足額投保（投保金額等於或大於授 額）； 步驟九：是否足期投保（投保期間等於或大於授 額）； 步驟十：檢核險種為平準型或遞減型； 步驟十一：檢核次順位受益人； 人步，十-·審核該借戶或保證人於莖金融機構之授信案 (含本筆）是否送信用保證機構保證；若有送保，則於投保 完成^變更第-順位受益人為非金融機構； V驟十二：以現金或融資繳納保費； 步驟十四··徵信調查； V驟十五·擔保品鑑估授信審查； 步驟十六:授信審查； 步驟十七：核定； 步驟十八：擔保授信抵押權、質權設定等； 201222457 步驟十九：簽訂借款契約； 步驟二十：借款撥付。 上述之流程中，就擔保授信與無擔保授信之說明分別如 下： 擔保授信之擔保品包括不動產或動產抵押權、動產或權利 質權、借款人營業交易所魅之應收票據、各級政府公庫主管 機關、銀行或經政府核准設立之信用保證機構之保證。 無擔保授信者，謂無上述各款擔保之授信。 上述/’IL程為完整之金融機構企業融資之流程方法，透過 建構組合保證人之人身保險，投保以保證人為被保險人，以 金融機構為第-順位受益人之人身保險，讓保證人—旦不幸 身故或發生重大傷殘，金融機構之法人融資亦可於第一時間 獲得人身紐理齡賴錄，有效抑做賴構逾期放款 產生，並避免處分保證人擔保品或資產，讓保證人之家人受 到保障得以安^ ’免遭流離失所之苦，創造雙赢。 請參閱第三圖所示，為本發明企業融資債權管理方法之 實施債權管理方法後之示意說明；經過第二圖所述之金融機 構企業融資債權管理方法可知，當企餘資之保證人身故或 發生重大傷殘301日夺，由於金融機構前已洽保證人投保以保 證人為被保險人，並以金融機構為第—職受益人之人身保 險302，因此人身保險所產生之理賠金係可使保證人之保證 債務獲付清償303 ’對金融機構而言，金融機構得以收回債 201222457 權’避免產生逾期放款304，同時對企業而言，又可降低企 、、賣$使件企業得以繼續營業3〇6，同時保證人之資 產(遺產)得以保全’使得保證人家屬得到保障3〇7、。 本發明與習用債權保障之管理模式相較，具有下列優 點： 1. 透過金_構洽絲人聽轉證人為被嫌人，並以 金融機構為第-驗受益人之人身碰，解決保證人—旦不幸 身故或發生重大傷殘，企·法正倾約清償債務之問題。 2. 金融機構洽倾人娜贿證人為被鑛人，並以金 融麵為帛—順錢益人之人雜險，讓健人-旦不幸身故 或發生重大傷殘，絲機構之法人融資亦可於第—時間獲得人 身保險理賠金受健款，纽抑制金融機構_放款產生，並 避免處分保證人擔保品或:纽（遺產），創造雙赢。 上列詳細說明係針對本發明之一可行實施例之具體說 明，惟該實施例並非用以限制本發明之專利範圍，凡未脫離本 發明技藝精神所為之等效實施或變更’均應包含於本案之專利 範圍中。本發明之咖倾觀應如後述之+請專利範圍所 述。 【圖式簡單說明】 第一圖為本發明企業融資債權管理方法之債權管理方 法實施前之示意說明。 第二圖為本發明企業融資債權管理方法之實施流程示 12 201222457 意圖。 第三圖為本發明企業融資債權管理方法之實施債權管 理方法後之示意說明。 【主要元件符號說明】 無 13201222457 VI. Description of the invention: [Technical field to which the invention pertains] The present invention relates to a method for managing creditor's rights of a corporate finance, in particular to suppress the occurrence of overdue loans by financial institutions, while at the same time avoiding the disposal of guarantors or assets of the guarantor. And the guarantor's win-win corporate financing credit management method. [Prior technology] SMEs have always been the cornerstone of Taiwan's economic development. According to the statistics of the SMEs of the Ministry of Economic Affairs, by 2010, there were 1,247,998 SMEs in China, accounting for 97.68% of the total number of enterprises in the country. . The employment of small and medium-sized enterprises is 8.19 million, accounting for 78% of the total employment of the country (1,490,000), and the sales value of SMEs is NT$10,709,005 million, accounting for 29.55% of the national total sales value. The contribution and importance of SMEs to Taiwan. However, whether it is financial management, business development and management, SMEs rely on the individual experience of the operators, and the high degree of people governance, resulting in imperfect accounting system, poor transparency, weak management capabilities, high operational risks, and thus impact The willingness of financial institutions to finance SMEs is based on the information of the Financial Supervision and Administration Commission of the Executive Yuan. In August 2011, the lending of SMEs by domestic banks was NT$4 billion, accounting for 4644 of the balance of all enterprises. %, overdue lending ratio _%, higher than the full-age lion lion · overdue lending' This money shows that financial institutions undertake to lend to the SMEs whose operations are highly dependent on the individual experience of the operators, and indeed bear a relatively high credit risk. 201222457 In view of the fact that Taiwan's small and medium-sized enterprises are mostly family-owned and small in scale, especially small enterprises are mostly run by husband and wife, and the operation is high. The operators are dedicated to maintaining the enterprise and continuing to be important. Institutions handling SME loans will recruit the operator as the guarantor, and the company will not be able to perform the debt contract and seek compensation from the guarantor. When the corporate loan occurs, the management model of the traditional credit protection is the investment of human beings, and then the order of the prosecutor to obtain the execution name, and the _ _ product, application system Guaranteed agency subrogation or execution of borrowers and guarantor assets (heritage), etc. Unsecured credits If the borrower and the newcomer still have assets (heritage) available for the execution of the axis borrower and the guarantor, the guarantee is Without trust, financial institutions are not satisfied with the shortfall, and they are aware of the losses. The management model of traditional credit protection is for enterprises whose operation is highly dependent on the individual experience of the operators. 'Where the guarantor (operator) of the financing is unfortunately killed or seriously disabled', the enterprise often falls into a difficult position, and the financial institution that fails the overdue loan cannot Claims for property other than assets (heritage) under the name of the enterprise and the guarantor (operator). It can be seen from the above description that when the operator is unfortunately killed or has serious disability, the operation of the business may be in crisis, and the financing to financial institutions cannot be fulfilled. Financial institutions must consume considerable human resources and go through lengthy litigation. The program pays the name of the stub, the enterprise and the guarantor's financial products or assets (heritage) can be 'executed* to perform the punishment, and some of the gold fine structure ^ ^ ^ Xiao bad account, which affects 201222457 financial institutions have very strong claims (four) SMEs, it is necessary, fork management methods, scales __ her insurance products or assets.卞 quot quot 丘 丘 丘 由此 由此 由此 由此 由此 由此 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘 丘The lack of heart's shortcomings derived from the use of creditor's rights management methods is the result of 亟思加thi _ _, interesting ^ bitter heart and painstaking research after the final success of feeding this enterprise (four) f side tube [invention] law. The purpose of the present invention is that when the enterprise is a healthy person--a major disability, the financing of the enterprise in the financial institution can be; a == insurance claim for the insured loan, effectively suppressing the gold L and avoiding the litigation of the enterprise and Guarant collateral or assets. In order to achieve the above objectives, the T-Seat has the following steps: The following steps are taken: Wanxi s Step 1: Know the financing needs of the enterprise; Step 1. Accept the enterprise financing application; Step 3: Acquire the guarantor; Step 4: Credit Investigation; Step 5: Credit review; 201222457 Step 6: Approved; Step 7: Sign the loan contract; Step 8: Borrowing the loan. Among them, after the above steps or steps, the financial institution negotiates with the guarantor to ensure that the person is the insured, and the financial institution is the first place beneficiary's personal insurance. Through the above steps, the management model of the financial institution's corporate finance credit grant 5p traditional creditor's rights protection has been changed, which has subverted the financial institution's traditional corporate loan that cannot be directly compensated by the personal insurance claim. The above and other objects, features and advantages of the present invention will become more <RTIgt; Please refer to the first figure, which is a schematic explanation of the creditor management method of the corporate finance of the present invention before the implementation of the creditor's official management method; the traditional debt management mode, when the guarantor is unfortunately dead or has major disability, the enterprise If the operation is in crisis, the financing cannot be fulfilled, the financial institution must invest a considerable amount of human resources, and obtain the execution name after a lengthy legal process. The guarantee credit is used to dispose of the collateral, the application is guaranteed by the guarantee institution, or the borrower and the guarantor’s assets are executed ( If there is an asset (heritage) available for execution by the borrower and the guarantor, the debit and the guarantor will be punished, regardless of the guarantee or the unsecured §, the financial institution cannot And the assets under the name of the guarantor (heritage) with the property of 6 201222457, for the insufficient part of the compensation, can only transfer the county account and recognize the loss. In the above-mentioned traditional creditor's rights protection management mode, when the guarantor is dead or there is a major disability 101, the business operation often has a crisis 102. For financial institutions, the overdue loan is relatively generated 103. At this time, the financial institution can only The S-settlement assets (heritage) are subject to a disposition of 1.4, and no matter whether the assets are liable to be disposed of 1〇5 or the compensation is less than 106 parts, the bad debts can only be rescinded and the bad debts are lost 108 When the financial institution disposes of the guarantor's assets, the guarantor's assets (heritage) are auctioned by the court, and the guarantor's family members are displaced 1〇9, and social problems are derived. According to the above description, the current traditional debt security management model is a double-loss situation for both financial institutions and guarantors, and it is necessary to improve it. Please refer to the second figure, which is a schematic diagram of the implementation process of the financing claim management method of the present invention; the financing claim management method of the invention changes the management mode of the financial institution corporate financing credit 5 P traditional credit guarantee, detailed and complete credit management The method includes the credit authorization process, the guarantor's insurance policy for personal insurance and the order of compensation, etc., which subverts the loan of the traditional enterprise loan of the financial institution that cannot be compensated by the personal insurance claim. The process of the complete enterprise financing creditor management method of the present invention is as follows: The financial institution knows the enterprise financing demand 201, interviews the enterprise and accepts the financing application 202 'evaluation whether to collect the guarantor 203, the unsecured credit and the evaluation 201222457 whether to transfer the credit guarantee institution guarantee 204 In this step, if the financial institution evaluates the innocent test, the Jin Lai system of ageing investigation 2〇5 'If the financial institution accepts the unsecured credit, it directly conducts the credit review 206' and then approves 2 7, then proceed to sign the loan contract 2〇8, after the completion of the contract signing, _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ On the other hand, if the financial institution accepts the credit as a guarantee, it then proceeds to the collateral assessment 210 procedure, then enters the credit review 211, and then checks 212, and then verifies the collateral mortgage, pledge setting, etc. 213, and then signs the loan. Contract 214, after the completion of the contract signing, Shan Enterprise borrowed 215, Yuancheng enterprise financing disbursement procedures. If the financial institution still considers that the guarantor is required after the assessment, the financial institution may ask the guarantor that the guarantor is insured to ensure that the person is the person to be insured, and the financial institution is the first-person beneficiary's personal insurance 216. If the guarantor is unwilling, Into the credit information 217 process 'If there is no letter, the job will be credited for review 218, and then approved 219, and then signed the loan contract 22, the contract is signed, the Lin Enterprise Wei pays the Zhuangye division. On the other hand, in the case of a credit guarantee, the collateral assessment 222 procedure is followed, and then the credit review 223 is entered, and then the core 224 is issued. After the verification, the collateral mortgage and the pledge slave are processed 225, and then the loan contract is signed. After the completion of the contract signing, _ enterprise borrowings will be paid 227, and the enterprise financing will be allocated 8 201222457. If the guarantor is willing to insure to ensure that the person is the insured, the financial institution is the first life beneficiary of the personal insurance 216 and apply, at this time, the financial institution checks whether the insured's qualification for insurance is 228, if the insured does not meet the insurance When you are qualified, you will enter the credit investigation 217 and subsequent credits. If the guarantor meets the qualification for enrollment 228, in addition to the simultaneous entry into the credit investigation 217 and the follow-up credit process to the loan allocation of 221 or 227, the insured amount is set at 229, and the full insured amount is 23 〇 (the amount of the insurance is equal to or greater than the credit amount) ) 'Subsequently review whether it is fully insured 231 (the period of insurance coverage is equal to or greater than the credit period), and the audited duty insurance type is leveling or loading type 232, and then checking the secondary beneficiary 233, and reviewing the borrower or guarantor at the same time Whether the credit institution of the stem financial institution has a guarantee for the credit guarantee institution 234, if there are no difficult secrets in the credit granting case, the guarantee person chooses to pay the premium in cash or apply for the premium loan 235 to insure. The right financial institution audits the creditor's or guarantor's credit card (including the pen) money side __ when the chest is exempt from the insurance financial institution 238 = life insurance 236, or choose to pay the premium in cash or apply for premium loans Put 237 for insurance, and after the insurance, change the first order beneficiary to not let the committee know more about the whole enterprise financing credit management method. Step by step: Step 1: Know the corporate financing needs; 9 201222457 Step 2: Accepting the enterprise financing application; Step 3: collecting the guarantor; Step 4: Unsecured credit evaluation to ensure that the credit guarantee institution guarantees; Step 5: Insuring to ensure that the person is the insured, and the financial institution is the personal insurance of the first to the beneficiary; Step 6. Review whether the insured is eligible for insurance; Step 7: Set the insured amount; Step 8: Whether to insure in full (insured amount equal to or greater than the amount of the insured); Step 9: Whether to insure in full (insurance period is equal to or greater than Grant amount); Step 10: Check the insurance type to level or decrease; Step 11: Check the next order Beneficiary; person step, ten--review whether the creditor (including the pen) of the borrower or guarantor in the financial institution of the stalk is sent to the credit guarantee institution for guarantee; if there is a guarantee, the insurance is completed and the change of the first-rank beneficiary is Non-financial institutions; V12: Payment of premiums by cash or financing; Step 14··Receipt investigation; V. XV. Qualification review of credits; Step 16: Credit review; Step 17: Approved; Step 18: Guaranteed credit mortgage, pledge setting, etc.; 201222457 Step 19: Sign the loan contract; Step 20: Borrow the loan. In the above process, the descriptions of secured credit and unsecured credit are as follows: Guaranteed credits include real estate or chattel mortgage, movable property or rights pledge, debt receivables from the borrower's business exchange, and government public accounts at all levels. The guarantee of the competent authority, the bank or a credit guarantee institution approved by the government. Unsecured creditors, that is, no credit for the above guarantees. The above /'IL process is a complete financial institution corporate financing process, through the construction of the combined guarantor's life insurance, insured to ensure that the person is the insured, the financial institution as the first-benefit beneficiary personal insurance, so that the guarantor is unfortunate In the event of death or major disability, the legal person financing of a financial institution may also obtain the personal status of the person in the first place, effectively suppressing the overdue loan and avoid disposing of the guarantor or asset of the guarantor, so that the family of the guarantor is subject to The guarantee can be safe from the loss of displacement and create a win-win situation. Please refer to the third figure, which is a schematic explanation of the implementation of the creditor management method for the financing claim management method of the present invention; after the financial institution enterprise financing creditor management method described in the second figure, it can be known that the guarantor of the enterprise has died Or a major disability of 301 days, because the financial institution has contacted the guarantor before the insurance to ensure that the person is the insured, and the financial institution is the first-time beneficiary's personal insurance 302, so the claim insurance generated by the personal insurance can make The guarantor's guarantee debt is paid off 303 'For financial institutions, the financial institution is able to recover the debt 201222457' to avoid overdue loans304, and for the enterprise, it can lower the enterprise and sell the enterprise to continue business 3 〇6, at the same time, the guarantor's assets (heritage) can be preserved' so that the guarantor's family is guaranteed 3〇7. Compared with the management mode of the conventional creditor's rights protection, the present invention has the following advantages: 1. Through the gold_consultation, the silkman listens to the witness as the suspect, and the financial institution is the first-test beneficiary person to solve the guarantor- If you are unfortunate enough to die or have a major disability, the company and the law are about to pay off the debt. 2. The financial institution consults with the person who is the person who is the person who is the person who is the person who is the person who is the person who is the person who is the person who is the person who is the person who is the person who is the person who is the person of the financial institution. You can also get the life insurance claims in the first time to get the money, New York inhibits the financial institutions _ lending, and avoids the guarantor guarantor or: New Zealand (heritage), creating a win-win situation. The detailed description of the present invention is intended to be illustrative of a preferred embodiment of the invention, and is not intended to limit the scope of the invention. The patent scope of this case. The coffee view of the present invention should be as described later in the scope of the patent application. [Simple description of the schema] The first figure is a schematic illustration of the implementation of the credit management method of the financing claim management method of the present invention. The second figure is the implementation flow of the method for managing the financing of enterprise financing of the present invention. 12 201222457 Intent. The third figure is a schematic illustration of the implementation of the credit management method of the financing claim management method of the invention. [Main component symbol description] None 13