TWI680426B - Gold deposit pledged loan collateral supplement system - Google Patents
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Abstract
一種黃金存摺質借擔保品補充系統包含有一黃金單價接收器、一擔保維持率比較模組以及一信用風險評估模組。黃金單價接收器連接一黃金報價伺服器，以接收一黃金牌價，擔保維持率比較模組連接於黃金單價接收器，以計算一擔保維持率。其中，擔保維持率為一擔保品市值與一貸款餘額的比例。信用風險評估模組，連接於擔保維持率比較模組，並計算一客戶的信用評價，以提供客戶多個擔保品補充方式。A gold passbook pledge collateral supplement system includes a gold unit price receiver, a guarantee maintenance ratio comparison module, and a credit risk assessment module. The gold unit price receiver is connected to a gold quotation server to receive a gold quote price. The guarantee maintenance rate comparison module is connected to the gold unit price receiver to calculate a guarantee maintenance rate. Among them, the guarantee maintenance ratio is the ratio of the market value of a collateral to the balance of a loan. The credit risk assessment module is connected to the guarantee maintenance ratio comparison module and calculates a customer's credit rating to provide customers with multiple collateral supplement methods.
Description
本發明是有關於黃金存摺質借系統，且特別是有關於一種黃金存摺質借擔保品補充系統。The present invention relates to a gold passbook pledge system, and more particularly to a gold passbook pledge collateral supplement system.
隨著國際金價的起起伏伏，黃金投資人的資產，也隨著金價高低起伏。當投資人若有急用，但又不捨得在金價呈現漲勢的情況下獲利了結，部分的銀行推出了可選擇辦理黃金存摺質借的業務。As the international gold price fluctuates, the assets of gold investors also fluctuate with the price of gold. When investors have urgent needs, but are not willing to make a profit in the case of rising gold prices, some banks have launched a business that can choose to handle the quality of gold passbooks.
在國際油價居高不下，全球投資人看空美元時，黃金市場成為投資人資金的避風港，若以黃金存摺買入牌告價計算，目前金價以來到每英兩1100美元左右的價位。When international oil prices remain high and global investors are bearish on the US dollar, the gold market has become a safe haven for investor funds. If the gold passbook is used to buy the bid price, the current price of gold has reached a price of about $ 1,100 per British pound.
然而，黃金的價格並非一直都能保持高檔的價位，當質借後，若因為黃金價格下降，而使得原來辦理黃金存摺質借的擔保品市值降低時，借款人是須依規定增加擔保品，或提前償還部分貸款。However, the price of gold has not always been able to maintain a high-end price. When the value of gold after the pledge is lowered and the market value of the original collateral for pledge of the gold passbook is reduced, the borrower must increase the collateral in accordance with regulations. Or repay some loans in advance.
然而，傳統的黃金存摺質借，缺乏彈性，而當發生黃金的價格大幅滑落之時，往往造成借款人的困擾。如何能改善黃金存摺質借的各項缺點，將有助於借款人利用黃金進行質借，且有助於金融穩定。However, the traditional gold passbook loan is inelastic, and when the price of gold falls sharply, it often causes distress to borrowers. How to improve the various shortcomings of the quality of the gold passbook will help the borrowers use gold for pledges and help financial stability.
本發明提出一種創新的黃金存摺質借擔保品補充系統。The invention proposes an innovative gold passbook pledge collateral supplement system.
在本發明的一實施例中，一種黃金存摺質借擔保品補充系統包含有一黃金單價接收器、一擔保維持率比較模組以及一信用風險評估模組。In one embodiment of the present invention, a gold passbook pledge collateral supplement system includes a gold unit price receiver, a guarantee maintenance ratio comparison module, and a credit risk assessment module.
黃金單價接收器連接一黃金報價伺服器，以接收一黃金牌價，擔保維持率比較模組連接於黃金單價接收器，以計算一擔保維持率。其中，擔保維持率為一擔保品市值與一貸款餘額的比例。信用風險評估模組，連接於擔保維持率比較模組，並計算一客戶的信用評價，以提供客戶多個擔保品補充方式。The gold unit price receiver is connected to a gold quotation server to receive a gold quote price. The guarantee maintenance rate comparison module is connected to the gold unit price receiver to calculate a guarantee maintenance rate. Among them, the guarantee maintenance ratio is the ratio of the market value of a collateral to the balance of a loan. The credit risk assessment module is connected to the guarantee maintenance ratio comparison module and calculates a customer's credit rating to provide customers with multiple collateral supplement methods.
在一實施例中，黃金存摺質借擔保品補充系統更包含有一前置作業模組，連接於黃金單價接收器，以協助客戶進行授權許可以及擔保品管理。In one embodiment, the gold passbook pledge collateral supplement system further includes a pre-operation module connected to the gold unit price receiver to assist customers in performing authorization and collateral management.
在一實施例中，黃金存摺質借擔保品補充系統更包含有一訊息通知模組，連接於信用風險評估模組，以通知客戶擔保維持率。In one embodiment, the supplementary system for gold passbook pledge collateral further includes a message notification module connected to the credit risk assessment module to notify customers of the guarantee maintenance rate.
在一實施例中，黃金存摺質借擔保品補充系統更包含有一擔保品補充選擇模組，連接於訊息通知模組，以提供客戶選擇多個擔保品補充方式。In one embodiment, the gold passbook pledge collateral supplement system further includes a collateral supplement selection module connected to the message notification module to provide customers with a choice of multiple collateral supplement methods.
在一實施例中，擔保品補充選擇模組包含有一現金補提器，以提供客戶，以現金購買黃金，以增加擔保品數量。In one embodiment, the collateral replenishment selection module includes a cash replenisher to provide customers with cash purchases to increase the amount of collateral.
在一實施例中，擔保品補充選擇模組更包含有一擔保品補充器，連接現金補提器，以提供客戶，以一授權額度型帳戶，融資購買黃金，以增加擔保品數量。In one embodiment, the collateral replenishment selection module further includes a collateral replenisher connected to the cash replenisher to provide customers with an authorized line account to finance the purchase of gold to increase the amount of collateral.
在一實施例中，擔保品補充選擇模組更包含有一質借還款器，連接擔保品補充器，以提供客戶，以授權額度型帳戶，融資返還部分貸款餘額。In one embodiment, the collateral supplement selection module further includes a quality borrower and repayment device connected to the collateral supplement device to provide customers with an authorized line account to return part of the loan balance through financing.
在一實施例中，擔保品補充選擇模組更包含有一關連利率計算器，連接質借還款器以及擔保品補充器，以提供客戶一融資購買黃金利率以及一融資利率。In an embodiment, the collateral supplement selection module further includes a related interest rate calculator, which is connected to the pledge loan repayment device and the collateral supplement device, so as to provide the customer with a financing purchase gold interest rate and a financing interest rate.
在一實施例中，擔保品補充選擇模組更包含有一跨幣別擔保品補充器，連接質借還款器，以提供客戶，以其他幣別之黃金存摺增加擔保品數量。In one embodiment, the collateral replenishment selection module further includes a cross-currency collateral replenisher, which is connected to a pledge loan repayment device to provide customers with a gold passbook in other currencies to increase the amount of collateral.
在一實施例中，黃金存摺質借擔保品補充系統更包含有一質權執行模組，連接擔保品補充選擇模組，以提供客戶進行質權程序。In one embodiment, the gold passbook pledge collateral supplement system further includes a pledge right execution module connected to the collateral supplement selection module to provide customers with pledge right procedures.
綜上所述，本發明揭露之黃金存摺質借擔保品補充系統，可以方便使用者利用黃金存摺進行質借，且在黃金市值變動時，可以提供多種增加擔保品的方式便於使用者進行擔保品的補充或償還部分借款。相較於傳統的黃金質借，本發明揭露之黃金存摺質借擔保品補充系統不僅可增加使用者補充擔保品的管道，同時降低質借的風險，增加銀行的利潤，有效地活絡金融市場，提升競爭力。In summary, the gold passbook pledge collateral supplement system disclosed in the present invention can facilitate users to use the gold passbook for pledge, and when the market value of gold changes, it can provide multiple ways to increase collateral for users to perform collateral. Supplement or repay part of the loan. Compared with traditional gold lending, the gold passbook pledged collateral supplement system disclosed in the present invention can not only increase the channels for users to replenish collateral, but also reduce the risk of pledges, increase bank profits, and effectively activate the financial market. Improve competitiveness.
為了使本發明之敘述更加詳盡與完備，可參照所附之圖式及以下所述各種實施例，圖式中相同之號碼代表相同或相似之元件。另一方面，眾所週知的元件與步驟並未描述於實施例中，以避免對本發明造成不必要的限制。In order to make the description of the present invention more detailed and complete, reference may be made to the accompanying drawings and various embodiments described below. The same numbers in the drawings represent the same or similar elements. On the other hand, well-known elements and steps have not been described in the embodiments, so as to avoid unnecessary limitation to the present invention.
於實施方式與申請專利範圍中，涉及『電性連接』之描述，其可泛指一元件透過其他元件而間接電氣耦合至另一元件，或是一元件無須透過其他元件而直接電氣連結至另一元件。In the embodiments and the scope of patent application, the description related to "electrical connection" can refer to an element that is indirectly electrically coupled to another element through other elements, or that an element is directly and electrically connected to another element without passing through other elements. One component.
於實施方式與申請專利範圍中，除非內文中對於冠詞有所特別限定，否則『一』與『該』可泛指單一個或複數個。而步驟中所使用之編號僅係用來標示步驟以便於說明，而非用來限制前後順序及實施方式。再者，在本文中所使用的系統、裝置、模組與伺服器等元件，可以是運作於各個獨立的電腦主機或設備之中，亦可以運作並整合於一個或多個的電腦主機或設備中，其均不脫離本發明的精神與範圍。一般而言，本文中所使用的系統、裝置、模組與伺服器等元件均可佔據一定空間且可為相異之物品實體，然本發明並不限定於此。 In the embodiments and the scope of patent application, unless there is a special limitation on the article in the text, "a" and "the" can refer to a single or plural. The numbers used in the steps are only used to indicate the steps for ease of description, but not to limit the order and implementation. Furthermore, the components such as systems, devices, modules, and servers used in this article can be operated on each independent computer host or device, or can be operated and integrated on one or more computer hosts or devices. However, they do not depart from the spirit and scope of the present invention. Generally speaking, the components such as systems, devices, modules, and servers used in this article can occupy a certain space and can be different object entities, but the present invention is not limited thereto.
參閱第1圖至第4圖，第1圖係依照本發明一實施例之一種黃金存摺質借擔保品補充系統100的示意圖，而第2圖則是此黃金存摺質借擔保品補充系統之前置作業模組的示意圖，第3圖是此黃金存摺質借擔保品補充系統之擔保維持率比較模組的示意圖，以及第4圖此黃金存摺質借擔保品補充系統之擔保品補充選擇模組的示意圖。 Referring to FIG. 1 to FIG. 4, FIG. 1 is a schematic diagram of a gold passbook pledged collateral supplement system 100 according to an embodiment of the present invention, and FIG. 2 is a diagram before the gold passbook pledged collateral supplement system. Figure 3 is a schematic diagram of the operation module, Figure 3 is a schematic diagram of the guarantee maintenance ratio comparison module of the gold passbook pledged collateral supplement system, and Figure 4 is a collateral supplement selection module of the gold passbook pledged collateral supplement system. Schematic.
如第1圖所示，黃金存摺質借擔保品補充系統100包含有一前置作業模組110、一黃金單價接收器120、一擔保維持率比較模組130、一信用風險評估模組140、一訊息通知模組150、一擔保品補充選擇模組160以及一質權執行模組170。 As shown in Figure 1, the gold passbook quality loan collateral supplement system 100 includes a pre-operation module 110, a gold unit price receiver 120, a guarantee maintenance ratio comparison module 130, a credit risk assessment module 140, a The message notification module 150, a collateral supplement selection module 160, and a pledge execution module 170.
前置作業模組110連接於黃金單價接收器120，以協助客戶進行授權許可以及擔保品管理。在一實施例中，前置作業模組110可以包含有一授權許可處理器112以及一擔保品處理器114。授權許可處理器112用來與客戶簽訂額度型帳戶的授權許可，例如是簽訂一可透支型帳戶的 授權許可。擔保品處理器114則可以針對客戶的擔保品進行鑑價、鑑價後進行授信核貸、授信核貸後進行質權管理以及管理擔保品的相關事宜，以有效的管理客戶的擔保品。 The pre-operation module 110 is connected to the gold unit price receiver 120 to assist customers in performing authorization and collateral management. In one embodiment, the pre-operation module 110 may include an authorized processor 112 and a collateral processor 114. The authorization processor 112 is used to sign the authorization of the quota account with the customer, for example, to sign an overdraft account Licensing. The collateral processor 114 can evaluate the collateral of the customer, perform credit verification and loan after the evaluation, perform pledge management after the credit verification and loan, and manage related matters of the collateral to effectively manage the collateral of the customer.
黃金單價接收器120連接一黃金報價伺服器200，例如是一銀行的黃金報價管理伺服器，用以接收銀行的一黃金牌價。擔保維持率比較模組130則連接於黃金單價接收器120，以計算一擔保維持率，其中擔保維持率為一擔保品市值與一貸款餘額的比例。 The gold unit price receiver 120 is connected to a gold quotation server 200, for example, a gold quotation management server of a bank, and is used to receive a gold quote price of the bank. The guarantee maintenance ratio comparison module 130 is connected to the gold unit price receiver 120 to calculate a guarantee maintenance ratio, wherein the guarantee maintenance ratio is a ratio of a market value of a collateral to a loan balance.
在一實施例中，擔保維持率比較模組130包含有一貸款餘額接收器132、一擔保品市值計算器134以及一擔保維持率計算器136。擔保品市值計算器134連接貸款餘額接收器132，而擔保維持率計算器136連接擔保品市值計算器134。 In one embodiment, the guarantee maintenance ratio comparison module 130 includes a loan balance receiver 132, a collateral market value calculator 134, and a guarantee maintenance ratio calculator 136. The collateral market value calculator 134 is connected to the loan balance receiver 132, and the guaranty maintenance rate calculator 136 is connected to the collateral market value calculator 134.
貸款餘額接收器132，接收目前此客戶經由黃金質借的貸款餘額，其可以是接收來自於銀行之帳務伺服器或者是直接記錄在此黃金存摺質借擔保品補充系統100中的此客戶之黃金質借的貸款餘額，其均不脫離本發明的精神與範圍。 The loan balance receiver 132 receives the loan balance currently borrowed by the customer through gold, which can be received from the bank's account server or directly recorded by the customer in the gold passbook pledged collateral supplement system 100 The balance of loans borrowed in gold does not depart from the spirit and scope of the present invention.
擔保品市值計算器134根據黃金牌價以及擔保品的數量，計算目前擔保品的市值。擔保維持率計算器136則將擔保品市值除以貸款餘額，並計算而得擔保維持率。 The collateral market value calculator 134 calculates the current market value of collaterals based on the gold price and the number of collaterals. The guarantee maintenance rate calculator 136 divides the market value of collateral by the loan balance and calculates the guarantee maintenance rate.
在一些實施例中，為了確保貸款可回收，擔保維持率比較模組130發現得擔保維持率低於130%時，將啟動擔保品補充程序。在一些實施例中，當擔保維持率比較模組130發現得擔保維持率低於70%時，將啟動質權程序，以避免損失。In some embodiments, in order to ensure that the loan is recoverable, when the guarantee maintenance ratio comparison module 130 finds that the guarantee maintenance ratio is lower than 130%, a collateral replenishment process will be initiated. In some embodiments, when the guarantee maintenance ratio comparison module 130 finds that the guarantee maintenance ratio is lower than 70%, a pledge procedure will be started to avoid losses.
此外，信用風險評估模組140連接於擔保維持率比較模組130，用以計算一客戶的信用評價，以提供客戶複數個擔保品補充方式。信用風險評估模組140更可以根據客戶的信用風險評價，以決定融資的利率。In addition, the credit risk assessment module 140 is connected to the guarantee maintenance ratio comparison module 130 and is used to calculate a customer's credit evaluation to provide the customer with a plurality of collateral supplement methods. The credit risk assessment module 140 may further determine a financing interest rate based on a customer's credit risk evaluation.
信用風險評估模組140可根據客戶的貸款資料與行為資料產生該客戶的風險係數。舉例而言，信用風險評估模組140接收客戶的貸款資料與一或多筆行為資料（例如信用行為資料），並將接收到的貸款資料與一或多筆行為資料儲存於模組的記憶體內，並根據貸款資料與一或多筆行為資料產生出客戶的風險係數，以計算出客戶為高風險客戶或低風險客戶。The credit risk assessment module 140 can generate a customer's risk coefficient based on the customer's loan data and behavior data. For example, the credit risk assessment module 140 receives a customer's loan data and one or more behavior data (such as credit behavior data), and stores the received loan data and one or more behavior data in the module's memory. , And based on the loan data and one or more behavioral data to generate a customer's risk coefficient to calculate whether the customer is a high-risk customer or a low-risk customer.
於一實施例中，上述行為資料可以是房貸行為資料、信貸行為資料、簽帳卡行為資料、信用卡行為資料、其他與銀行往來產品行為資料以及聯徵行為資料其中一者或多者，但本揭示內容不以此為限。In one embodiment, the above behavior data may be one or more of mortgage behavior data, credit behavior data, debit card behavior data, credit card behavior data, other product transaction data with banks, and joint collection behavior data. The disclosure is not limited to this.
信用風險評估模組140根據風險係數產生客戶的回饋資料。當風險係數顯示客戶為低風險客戶，則信用風險評估模組140可以根據對應低風險的風險係數產生高回饋的回饋資料，但發明不以此為限。The credit risk assessment module 140 generates customer feedback data based on the risk factor. When the risk coefficient indicates that the customer is a low-risk customer, the credit risk assessment module 140 may generate high-return feedback data according to the corresponding low-risk risk coefficient, but the invention is not limited thereto.
如此一來，信用風險評估模組140可根據客戶的不同風險係數給予不同程度的回饋方案，同時達到風險控管與提升客戶忠誠度的效果。In this way, the credit risk assessment module 140 can provide different degrees of feedback schemes according to different risk factors of customers, and simultaneously achieve the effects of risk control and enhance customer loyalty.
信用風險評估模組140亦可以判斷客戶的貸款資料是否包含保險資料並根據行為資料之聯徵行為資料以決定初始風險係數。信用風險評估模組140判斷客戶的貸款資料(例如信用貸款資料)包含保險資料(例如信用保障保險)，並且根據客戶的聯徵行為資料為良好(例如無顯示風險事件)，則信用風險評估模組140判斷客戶為信用增強客戶，並決定該客戶的初始風險係數為對應低風險之初始風險係數，舉例而言初始風險係數為1.1。然而，須說明的是，信用風險評估模組140亦可根據貸款資料與保險資料的不同情況決定客戶的初始風險係數為其他數值，例如初始風險係數為1.2，然並不以此為限。 The credit risk assessment module 140 can also determine whether the customer's loan data contains insurance data and determine the initial risk coefficient based on the behavioral data's associated behavioral data. The credit risk assessment module 140 determines that the customer's loan information (for example, credit loan information) contains insurance information (for example, credit protection insurance), and according to the customer's joint collection behavior information is good (for example, no risk event is displayed), the credit risk assessment module The group 140 determines that the customer is a credit enhancement customer, and determines that the initial risk coefficient of the customer is an initial risk coefficient corresponding to a low risk, for example, the initial risk coefficient is 1.1. However, it should be noted that the credit risk assessment module 140 may also determine the initial risk coefficient of the customer to be another value according to different conditions of the loan data and insurance data, for example, the initial risk coefficient is 1.2, but it is not limited thereto.
其中，風險係數越大代表低風險客戶，而風險係數越小代表高風險客戶。 Among them, a higher risk coefficient represents a low-risk customer, while a smaller risk coefficient represents a high-risk customer.
信用風險評估模組140根據客戶的行為資料與上述初始風險係數來調整風險係數。舉例而言，當信用風險評估模組140根據客戶的行為資料判斷一固定期間(例如每12期或其他一定期數，一期的時間可依實際需求設計)內該客戶的信用行為皆正常，則信用風險評估模組140可調整風險係數(例如增加0.1)。舉另一例而言，當信用風險評估模組140根據客戶的行為資料判斷行為資料其中一者為異常(例如預期未繳、延滯或聯徵行為資料顯示風險事件，但本揭示內容不以此為限)時，信用風險評估模組140則將風險係數降低0.1(降回初始風險係數)。 The credit risk assessment module 140 adjusts the risk coefficient according to the behavior data of the customer and the above-mentioned initial risk coefficient. For example, when the credit risk assessment module 140 judges a customer's credit behavior within a fixed period (such as every 12 periods or other periodic periods, the period of a period can be designed according to actual needs), Then the credit risk assessment module 140 can adjust the risk coefficient (for example, increase by 0.1). For another example, when the credit risk assessment module 140 judges that one of the behavior data is abnormal based on the behavior data of the customer (for example, expected unpaid, delayed or joint behavior data shows a risk event, but this disclosure does not take this as an example. When it is limited, the credit risk assessment module 140 reduces the risk factor by 0.1 (returns to the initial risk factor).
當信用風險評估模組140依據客戶的信用狀況判斷出客戶的風險係數之後，信用風險評估模組140更可以根據風險係數調整客戶貸款的利率，例如每增加0.1調降利率半碼等，亦或者是提供額外之獎勵回饋。信用風險評估模組140可根據客戶的貸款資料與信用行為的行為資料來適時地調整客戶的風險係數，並根據風險係數提供不同的利率或回饋給客戶，因此達到風險控管與提升客戶忠誠度的效果。After the credit risk assessment module 140 determines the customer's risk factor based on the customer's credit status, the credit risk assessment module 140 can further adjust the interest rate of the customer's loan based on the risk factor, such as reducing the interest rate by half a yard for every 0.1 increase, or Is to provide additional rewards. The credit risk assessment module 140 can adjust the customer's risk factor in a timely manner according to the customer's loan information and credit behavior behavior data, and provide different interest rates or feedback to the customer according to the risk coefficient, thus achieving risk control and enhancing customer loyalty Effect.
此外，訊息通知模組150，連接於信用風險評估模組140，以在需要通知客戶補充擔保品時，通知客戶，並告知目前的擔保維持率。In addition, the message notification module 150 is connected to the credit risk assessment module 140 to notify the customer when it needs to notify the customer to supplement the collateral, and to inform the current guarantee maintenance rate.
值得注意的是，黃金存摺質借擔保品補充系統100可利用擔保品補充選擇模組160，連接於訊息通知模組150，以提供客戶選擇多個擔保品補充方式。It is worth noting that the gold passbook pledge collateral supplement system 100 may utilize the collateral supplement selection module 160 and be connected to the message notification module 150 to provide customers with a choice of multiple collateral supplement methods.
在一些實施例中，擔保品補充選擇模組160包含有一現金補提器162、一擔保品補充器164連接現金補提器162、一質借還款器166連接擔保品補充器164、一關連利率計算器165連接質借還款器166以及擔保品補充器164以及一跨幣別擔保品補充器168連接質借還款器166。In some embodiments, the collateral supplement selection module 160 includes a cash supplement 162, a collateral supplement 164 connected to the cash supplement 162, a quality loan repayment device 166 connected to the collateral supplement 164, and a related The interest rate calculator 165 is connected to the pledge loan repayment device 166 and the collateral supplement device 164 and a cross-currency collateral supplement device 168 is connected to the pledge loan repayment device 166.
現金補提器162，提供客戶以現金購買黃金，以增加擔保品數量。The cash replenisher 162 allows customers to purchase gold in cash to increase the amount of collateral.
擔保品補充器164，提供客戶以一授權額度型帳戶，融資購買黃金，以增加擔保品數量。而質借還款器166，提供客戶以授權額度型帳戶，融資返還部分貸款餘額。The collateral supplementer 164 provides customers with an authorized line account to finance the purchase of gold to increase the amount of collateral. The pledge loan repayment device 166 provides customers with an authorized line account to return part of the loan balance through financing.
關連利率計算器165，則連接質借還款器166以及擔保品補充器164，以提供客戶一融資購買黃金利率以及一融資利率。一般而言，融資購買黃金利率低於融資利率，以鼓勵客戶以融資購買黃金的方式，增加擔保品。本發明之關連利率計算器165更可以利用計息關連性函數，以根據客戶的融資利率調整融資購買黃金利率，其中，計息關連性函數： I 2=I 1F(Xi) I 1: 融資利率 I 2: 融資購買黃金利率 F(Xi) : 組合風險計算函數 X 1: 信用增強參數 X 2: 履約信用行為參數 X 3: 風險係數模組動態調整參數 X 4: 客戶信用行為回饋參數 X 5: 授信五P參數，其包含授信戶 (People)，以評估客戶的信用狀況、公司經營獲利能力或與銀行往來情形，資金用途 (Purpose)以評估借款資金運用計劃是否合情、合理、合法，明確且具體可行，切忌資金挪作他用，還款來源 (Payment)以分析客戶還款來源的可信度，且還款來源與借款資金用途有其關連性，債權確保 (Protection)以評估客戶的還款來源與債權(擔保品)，並對擔保品進行鑑估價值與安全性，以及未來展望(Perspective) 整體經濟金融情勢對客戶行業別的影響，及企業未來的發展性加以分析衡量。 The related interest rate calculator 165 is connected to the pledge loan repayment device 166 and the collateral supplement device 164 to provide the customer with a financing purchase gold interest rate and a financing interest rate. Generally speaking, the interest rate for financing the purchase of gold is lower than the financing interest rate to encourage customers to increase the collateral by financing the purchase of gold. The connected interest rate calculator 165 of the present invention can further use the interest-bearing relatedness function to adjust the interest rate of the gold purchase for financing according to the financing interest rate of the customer, wherein the interest-bearing relatedness function: I 2 = I 1 F (Xi) I 1 : Financing Interest rate I 2 : Gold purchase interest rate F (Xi): Portfolio risk calculation function X 1 : Credit enhancement parameter X 2 : Performance credit behavior parameter X 3 : Risk coefficient module dynamic adjustment parameter X 4 : Customer credit behavior feedback parameter X 5 : Credit parameters 5P, including credit accountant (People), to evaluate the credit status of the customer, the company's operating profitability or the situation with the bank, the use of funds (Purpose) to evaluate whether the loan fund utilization plan is reasonable, reasonable and legal , Clear and specific, do not divert funds for other purposes, repayment source (Payment) to analyze the credibility of customer repayment sources, and the repayment source and the use of borrowing funds have their relevance, the protection of claims (Protection) to evaluate Customers' repayment sources and claims (collateral), and the valuation and security of collateral, as well as the perspective of the overall economic and financial situation on the customer industry And analyze the future development of the company.
其中，上述之各項參數加總後，亦可以是加權後，可得一組合風險計算係數，以調整融資購買黃金利率。舉例而言，各項參數位於前25%的評分優良客戶，可以獲得2碼的利息優惠，亦即融資購買黃金利率可低於融資利率約2碼，而前50%的評分優良客戶，可以獲得1碼的利息優惠，亦即融資購買黃金利率可低於融資利率約1碼，然本發明並不限定於此，其亦可以根據各項數，以參照客戶的融資利率彈性調整融資購買黃金利率，其均不脫離本發明的精神與範圍。Among them, after the above-mentioned parameters are summed up, they can also be weighted to obtain a combined risk calculation coefficient to adjust the interest rate of gold for financing purchase. For example, customers with the best scores in the top 25% of the parameters can get 2 yards of interest discount, that is, the interest rate for financing the purchase of gold can be lower than the financing rate by about 2 yards, and customers with the best scores of the top 50% can get The interest code of 1 yard, that is, the interest rate for financing the purchase of gold can be lower than the interest rate for financing by approximately 1 yard. However, the present invention is not limited to this. It can also adjust the interest rate for financing the purchase of gold according to the customer ’s financing interest rate. Without departing from the spirit and scope of the invention.
在一實施例中，擔保品補充選擇模組160更包含有一跨幣別擔保品補充器168，連接質借還款器166，以提供客戶，以其他幣別之黃金存摺增加該擔保品數量。例如，以美金的黃金存摺中的黃金存量提供擔保品補充，或者是以美金的黃金存摺中的黃金經由優惠的匯率換算後，轉存至台幣黃金存摺中，以提供擔保品補充，其均不脫離本發明的精神與範圍。In one embodiment, the collateral replenishment selection module 160 further includes a cross-currency collateral replenisher 168 connected to the pledge loan repayment device 166 to provide customers with a gold passbook in other currencies to increase the amount of collateral. For example, collateral supplementation is provided by the gold stock in the US dollar gold passbook, or the gold in the US dollar gold passbook is converted to the Taiwan dollar gold passbook after being converted at a preferential exchange rate to provide collateral supplementation. Depart from the spirit and scope of the present invention.
質權執行模組170連接擔保品補充選擇模組160。黃金存摺質借擔保品補充系統100利用質權執行模組170，以進行質權程序，進而返還所質借的金額。The pledge execution module 170 is connected to the collateral supplement selection module 160. The gold passbook pledged collateral supplement system 100 utilizes a pledge execution module 170 to perform a pledge process and then return the pledged amount.
在一實施例中，當擔保維持率比較模組130發現得擔保維持率低於70%時，亦可將啟動質權程序，通過質權執行模組170，以進行質權程序，進而返還所質借的金額。In an embodiment, when the guarantee maintenance ratio comparison module 130 finds that the guarantee maintenance ratio is less than 70%, the pledge procedure can also be started, and the pledge execution module 170 can be used to perform the pledge procedure, and then return it. The amount of pledge.
綜上所述，本發明所揭露之黃金存摺質借擔保品補充系統，可以方便使用者利用黃金存摺進行質借，且在黃金市值變動時，可以提供多種增加擔保品的方式便於使用者進行擔保品的補充或償還部分借款。相較於傳統的黃金質借，本發明所揭露之黃金存摺質借擔保品補充系統不僅可增加使用者補充擔保品的管道，同時降低質借的風險，增加銀行的利潤，有效地活絡金融市場，提升競爭力。In summary, the gold passbook pledge collateral supplement system disclosed in the present invention can facilitate users to use the gold passbook for pledge, and when the market value of gold changes, it can provide a variety of ways to increase collateral for users to guarantee Supplement or repay part of the loan. Compared with traditional gold lending, the gold passbook pledge collateral supplement system disclosed in the present invention can not only increase the channels for users to replenish collateral, but also reduce the risk of pledges, increase bank profits, and effectively activate the financial market. To enhance competitiveness.
雖然本發明已以實施方式揭露如上，然其並非用以限定本發明，任何熟習此技藝者，在不脫離本發明之精神和範圍內，當可作各種之更動與潤飾，因此本發明之保護範圍當視後附之申請專利範圍所界定者為準。Although the present invention has been disclosed in the above embodiments, it is not intended to limit the present invention. Any person skilled in the art can make various modifications and retouches without departing from the spirit and scope of the present invention. Therefore, the protection of the present invention The scope shall be determined by the scope of the attached patent application.
為讓本發明之上述和其他目的、特徵、優點與實施例能更明顯易懂，所附符號之說明如下：In order to make the above and other objects, features, advantages, and embodiments of the present invention more comprehensible, the description of the attached symbols is as follows:
100‧‧‧黃金存摺質借擔保品補充系統100‧‧‧Gold Passbook Loan Collateral Supplement System
110‧‧‧前置作業模組110‧‧‧Front Operation Module
112‧‧‧授權許可處理器112‧‧‧Licensed Processor
114‧‧‧擔保品處理器114‧‧‧Warranty Processor
120‧‧‧黃金單價接收器120‧‧‧Gold Price Receiver
130‧‧‧擔保維持率比較模組130‧‧‧ Guarantee Maintenance Rate Comparison Module
132‧‧‧貸款餘額接收器132‧‧‧loan balance receiver
134‧‧‧擔保品市值計算器134‧‧‧ Market Value Calculator
136‧‧‧擔保維持率計算器136‧‧‧ Guarantee Maintenance Calculator
140‧‧‧信用風險評估模組140‧‧‧Credit risk assessment module
150‧‧‧訊息通知模組150‧‧‧Message Notification Module
160‧‧‧擔保品補充選擇模組160‧‧‧Warranty Supplementary Selection Module
162‧‧‧現金補提器162‧‧‧Cash Retractor
164‧‧‧擔保品補充器164‧‧‧Warrant Supplement
165‧‧‧關連利率計算器165‧‧‧ Connected Interest Rate Calculator
166‧‧‧質借還款器166‧‧‧Quality loan repayment device
168‧‧‧跨幣別擔保品補充器168‧‧‧ Cross-currency collateral supplement
170‧‧‧質權執行模組170‧‧‧ Pledge execution module
200‧‧‧黃金報價伺服器200‧‧‧Gold Quotation Server
為讓本發明之上述和其他目的、特徵、優點與實施例能更明顯易懂，所附圖式之說明如下： 第1圖是依照本發明一實施例之一種黃金存摺質借擔保品補充系統的示意圖。 第2圖是依照本發明一實施例之一種黃金存摺質借擔保品補充系統之前置作業模組的示意圖。 第3圖是依照本發明一實施例之一種黃金存摺質借擔保品補充系統之擔保維持率比較模組的示意圖。 第4圖是依照本發明一實施例之一種黃金存摺質借擔保品補充系統之擔保品補充選擇模組的示意圖。In order to make the above and other objects, features, advantages, and embodiments of the present invention more comprehensible, the description of the attached drawings is as follows: FIG. 1 is a supplementary system of collateral for borrowing and collateral of a gold passbook according to an embodiment of the present invention Schematic. FIG. 2 is a schematic diagram of a pre-installed operation module of a gold passbook pledge collateral supplement system according to an embodiment of the present invention. FIG. 3 is a schematic diagram of a comparison module of a guarantee maintenance ratio of a gold passbook pledged collateral supplement system according to an embodiment of the present invention. FIG. 4 is a schematic diagram of a collateral supplement selection module of a gold passbook pledge collateral supplement system according to an embodiment of the present invention.
Claims (5)
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