TWM589862U - Collateral value assessing and monitoring system - Google Patents

Abstract

A collateral value assessing and monitoring system to assess and monitor the value of a real property is disclosed. The system comprises an evaluating and monitoring host is coupled to a collateral management database, an actual price registration transaction database, a house price index database, and a national land administration electronic transcript database. The evaluation and monitoring host searches for a plurality of property similar to the real property from the actual price registration transaction database according to the real estate data, and converts into a calculated transaction unit price of the real property, and forms a regression calculation module according to the changes of the house price index recording in the house price index database and the real property information recording in the national land administration electronic. The regression calculation module uses the calculated transaction unit price to evaluate the real property value.

Description

Collateral value assessment and monitoring system

This creation is about a valuation system, especially about a collateral value valuation system.

Traditionally, when a real estate holder wants to use a real property as a guarantee to make a loan to a bank, the bank will first evaluate the value of the real estate collateral to determine the loan percentage. Generally speaking, when evaluating real estate prices, most of them rely on manpower for valuation on a case-by-case basis. When there are a large number of real estate targets that need to be evaluated, the personnel, time, and administrative resources required are huge, and it is bound to be impossible to use traditional valuation systems and Ways to evaluate a large number of cases one by one. Furthermore, traditionally, real estate loan business is based on pre-examination. However, real estate prices often fluctuate. Once the real estate prices fall, the banks will suffer huge losses.

Therefore, how to prevent the above situation from happening becomes a goal.

An implementation form of this case is to provide a collateral value evaluation and monitoring system for evaluating and monitoring the value of a real estate. The system includes at least: an evaluation and monitoring host; a collateral management database; and a net value login The transaction information database; a house price index database; and the national lands electronic transcript database, in which the evaluation and monitoring host is coupled to the collateral management database, the real-value login transaction information database, the house price index database and the The National Land Administration Electronic Transcript Database, in which the evaluation and monitoring host searches for a plurality of real estate similar to the real estate from the real-price registered transaction information database based on the real estate data, and converts the registered prices of the real estate to the real estate A calculated transaction unit price of the real estate, and the evaluation and monitoring host form a regression calculation module based on the price index change in the house price index database and the real estate information recorded in the national land government electronic transcript database, and based on the regression calculation The module and the calculated transaction unit price evaluate the real estate value.

In one embodiment, the registered prices of the real estate are converted into the calculated transaction unit price of the real property, which further includes preliminarily eliminating outliers with a gap of more than three standard deviations as the calculated transaction unit price.

In one embodiment, the evaluation and monitoring host further includes a user input interface for accepting a user input of the real estate data.

In one embodiment, the real estate data includes the real estate location, the real estate type, the total number of real estate buildings, the floor where the real estate is located, the number of real estate yards, the age of the real estate, the availability of parking spaces for the real estate, and the management of the real estate.

In one embodiment, the evaluation and monitoring host further includes an analog object selection module, which compares the real estate data stored in the real-price registered transaction information database according to the real estate data to search out the real estate Multiple real estates with similar data are converted into the calculated transaction unit price of the real estate.

In one embodiment, the evaluation and monitoring host further includes a house price And individualized factors regression module, a regression calculation module is formed based on the changes in the housing price index in the housing price index database and the real estate information recorded in the national land government electronic transcript database.

In one embodiment, the regression model of house prices and individualized factors further captures the age of the real estate, neighboring disgusting facilities, and regional analysis information recorded in the national lands electronic transcript database as individual adjustment factors to form the real estate The regression calculation module.

In one embodiment, the evaluation and monitoring host further periodically calculates the calculated transaction unit price and the regression calculation module of the real estate to periodically evaluate the real estate value according to the regression calculation module and the calculation transaction unit price.

In one embodiment, when the real estate value is periodically assessed to decrease by more than a threshold, the assessment and monitoring host will automatically issue a warning message for risk control.

In one embodiment, the evaluation and monitoring host will notify the customer of relevant business information.

Therefore, based on the technical content of the case, the collateral value assessment and monitoring system of this case can not only evaluate the value of the collateral immediately, but also periodically re-estimate after the valuation to assess whether the value of the collateral has declined, and must be re-estimated, or It is a preventive note.

100‧‧‧collateral value assessment and monitoring system

110‧‧‧Evaluate and monitor the host

120‧‧‧ Collateral Management Database

130‧‧‧Log in transaction information database

140‧‧‧ House price index database

150‧‧‧National Land Administration Electronic Transcript Database

160‧‧‧Real estate assessment report

1101‧‧‧User input interface

1102‧‧‧ Analog Object Screening Module

1103‧‧‧Regression module of house prices and individual factors

Figure 1 is a schematic block diagram of a collateral value assessment and monitoring system according to an embodiment of the present case.

The following will clearly illustrate the spirit of the case with diagrams and detailed descriptions. Anyone with ordinary knowledge in the technical field who understands the embodiments of the case will be able to change and modify the techniques taught in the case without departing from the case. Spirit and scope.

The terminology in this article is only for describing specific embodiments, and is not intended to be a limitation of this case. Singular forms such as "a", "this", "this", "this" and "the", as used herein, also include plural forms.

As used herein, "coupled" or "connected" can refer to two or more elements or devices making direct physical contact with each other, or indirectly making physical contact with each other, or can refer to two or more elements or devices making mutual contact Operation or action.

The terms "contains", "includes", "has", "contains", etc. used in this article are all open terms, which means including but not limited to.

As used herein, "and/or" includes any or all combinations of the things described.

Regarding the terms used in this article, unless otherwise noted, they usually have the ordinary meaning that each term is used in this field, in the content of this case, and in special content. Certain terms used to describe this case will be discussed below or elsewhere in this specification to provide additional guidance to those skilled in the art in the description of this case.

Figure 1 is a schematic diagram of a collateral value assessment and monitoring system according to an embodiment of the present case. As shown in the figure, the collateral value evaluation The evaluation and monitoring system 100 includes an evaluation and monitoring host 110, a collateral management database 120, a real-value registration transaction information database 130, a house price index database 140, and a national land administration electronic transcript database 150. In one embodiment, the evaluation and monitoring host 110 may be configured as a hardware device, software program, firmware, or a combination thereof. When configured as a hardware device, it may be implemented by a processor, for example. When the configuration is implemented by computer software, it can be loaded on a computer-readable storage medium and executed by the processor. The collateral value assessment and monitoring system 100 can be installed in a bank to serve as the value and monitoring of bank loan collateral.

Among them, the collateral management database 120 is a bank-side main system for managing loan collateral, which stores a plurality of basic real estate data, such as a cloud database, a database built by the bank itself, which stores the bank’s land Information about loans to buildings, where each loan data includes the loan amount, loan interest rate, and loan term repayment of a land and building. The real price is registered in the transaction information database 130, which is a cloud database and a database owned by the Ministry of the Interior, and records the actual transaction price of real estate. The house price index database 140 is a cloud database that stores the real estate price index, which can reflect the relative number of real estate price changes and the degree of change, and reflect the rise and fall of house prices in different periods. In one embodiment, the house price index data Library 140 is the Xinyi House Price Index or Cathay Real Estate Index. The National Land Administration Electronic Transcript Database 150 stores electronic transcripts of land and buildings. Generally speaking, the contents of the land and building transcripts are divided into three parts: the labeling department, the ownership department, and the other rights department. Among them, the marking department is a description of the basic data of the building, and the ownership department records the basic information of the owner and the scope of power. The other rights department records other information such as the order of registration, types of rights and the total amount of secured claims. You can know the land and buildings through the content of the land and buildings transcript Are there any bad notes, such as false seizures?

According to this, when a bank wants to monitor the loan after disbursing a land and building, the evaluation and monitoring host 110 can obtain the loan price of the land and building from the collateral management database 120, and log in the transaction from the real price The information database 130 regularly downloads real-estate real-estate real-estate registration transaction information in this area, to update the real-value real-estate registration transaction information in this area, and regularly downloads the housing price fluctuation index from the housing price index database 140 to predict the real estate price in this area Trends to monitor whether the future decline in house prices in this area will be inconsistent with the loan price, and then immediately need to issue a warning to the risk management unit to achieve the effect of post-loan risk control.

In one embodiment, the evaluation and monitoring host 110 includes a user input interface 1101, an analog object screening module 1102, and a housing price and individualization factor regression module 1103. The user input interface 1101 allows the user to input the basic data of the collateral to be evaluated. The basic data can include, but is not limited to, the real estate location, real estate type, total real estate building number, real estate floor, real estate floor number, real estate house Age, whether real estate has parking spaces or whether real estate has building management, etc. According to this, when a bank wants to lend to a land and a building, the analog object selection module 1102 can according to the basic data of the collateral entered by the user, such as the real estate location, real estate type, real estate age and other basic data Come and compare the basic data of real estate stored in the real-price registered transaction information database 130 to search for real estate with similar conditions and convert it into the calculated transaction unit price of real estate. However, because some transactions may be transactions between relatives or special objects within the region, the calculated transaction unit price distribution will first exclude outliers with a gap of more than three standard deviations before being used as the basis for collateral value assessment quasi. In addition, because the value of real estate collateral will be affected by individual real estate factors, this case also added individual adjustment factors including: house age, disgusting facilities, regional analysis, individual factor information, etc., these adjustment factors can be obtained from the national land administration electronic transcript Obtained in the database 150, and then recorded through the house price index database 140, the house price index changes, the house price and individualized factor regression module 1103 accordingly establishes the regression calculation module, when the regression calculation module is established, it can be calculated here The module imports the transaction unit price distribution benchmark derived from the real-price registered transaction information database 130 to evaluate a specific real estate, and obtains a real estate evaluation report 160.

According to this, in this case, the real estate appraisal personnel at the bank side can make a second confirmation after appraising the real estate appraisal. That is, the valuation result of the real estate appraiser can be compared with the value assessment of the collateral in this case and the real estate appraisal report 160 of the monitoring system 100 to assess whether reassessment is required. In one embodiment, if the difference between the real estate price finally evaluated by the appraiser and the real estate price assessed by the real estate assessment report 160 exceeds 15%, the collateral value assessment and monitoring system 100 will raise a warning and related annotation needs, As the second consideration information for real estate lending, if the difference reaches 30%, the collateral value assessment and monitoring system 100 will automatically transfer to the designated level, and a warning of reconfirmation will be issued, that is, a second valuation.

In addition, the above-mentioned secondary confirmation function can be performed. In this case, the collateral value assessment and monitoring system 100 can re-evaluate whether the value of the collateral real estate of the collateral in the collateral management database 120 may fall sharply on a fixed day of each month, jeopardizing the quality of the collateral. In one embodiment, because the real-estate price stored in the real-price registered transaction information database 130 and the house price index stored in the house price index database 140 are the prices after recent house price changes, the most Can show the recent house price relationship. Therefore, the collateral value assessment and monitoring system 100 in this case can extract the latest real estate transaction and index data from the real-value registered transaction information database 130 and the house price index database 140 through the aforementioned operation process, and perform periodic real estate value re-estimation. To assess whether collateral prices have fallen. For example, when the recalculated collateral price and the previous estimated price decrease by more than 10%, the collateral value assessment and monitoring system 100 will automatically send a prompt message to the bank-side business unit in the relevant region and the credit management department of the head office Make a note for reference by the corresponding department. When the revaluation price and the previous estimated price decrease by more than 20%, in addition to the relevant departments mentioned above, the collateral value assessment and monitoring system 100 will also issue warning messages to the risk management unit to achieve risk control after loan release Effectiveness.

On the other hand, the collateral value assessment and monitoring system 100 can import customer information and collateral business transaction information from the collateral management database 120 at the bank side while the collateral price revaluation is performed. According to the setting of specific conditions, the potential target customer groups are identified by the data screening and comparison results, and the system informs the customers of the relevant through digital or automated channels (such as e-mail, Internet banking, mobile banking, ATM, etc.) Business information, so customers can directly connect to the online loan application system from the business notification message. Customer and collateral related information is directly imported into the online loan application system from this patent system, which not only achieves the effects of marketing and business promotion, but also affects existing customers of the Bank. It is a convenient and fast application pipeline.

Accordingly, the collateral value assessment and monitoring system in this case can not only assess the value of the collateral immediately, but also periodically re-estimate after the valuation to assess whether the value of the collateral has declined, and must be re-estimated, or preventive notes . In addition, it can also introduce customer information and collateral business transactions. News, find potential target customer groups, and notify.

Although the case is disclosed as above with examples, it is not used to limit the case. Anyone who is familiar with this skill can make various changes and retouching without departing from the spirit and scope of the case, so the scope of protection of the case should be attached The scope defined in the scope of patent application shall prevail.

100‧‧‧collateral value assessment and monitoring system

110‧‧‧Evaluate and monitor the host

120‧‧‧ Collateral Management Database

130‧‧‧Log in transaction information database

140‧‧‧ House price index database

150‧‧‧National Land Administration Electronic Transcript Database

160‧‧‧Real estate assessment report

1101‧‧‧User input interface

1102‧‧‧ Analog Object Screening Module

1103‧‧‧Regression module of house prices and individual factors

Claims (10)

A collateral value evaluation and monitoring system for evaluating and monitoring the value of a real estate. The system includes at least: an evaluation and monitoring host; a collateral management database; a real-value login transaction information database; and a house price index database ; And the National Land Administration Electronic Transcript Database, where the assessment and monitoring host are coupled to the collateral management database, the real-value login transaction information database, the house price index database, and the National Land Administration Electronic Transcript Database, where the assessment And the monitoring host searches for a plurality of real estate similar to the real estate from the real-value registered transaction information database based on the real estate data, and converts the registered prices of the real estate into a calculated transaction unit price of the real estate, and the evaluation And the monitoring host forms a regression calculation module based on the changes in the house price index in the house price index database and the real estate information recorded in the national lands electronic transcript database, and evaluates the real estate based on the regression calculation module and the calculated transaction unit price value. The collateral value assessment and monitoring system as described in claim 1, in which the registered prices of these real estates are converted into the calculated transaction unit prices of the real estate, and further include the prior elimination of outliers with a gap of more than three standard deviations. Calculate the transaction unit price for this. The collateral value evaluation and monitoring system as described in claim 1, wherein the evaluation and monitoring host further includes a user input interface for accepting a user input of the real estate data. The collateral value assessment and monitoring system as described in claim 3, wherein the real estate information includes the real estate location, the real estate type, the total number of real estate buildings, the floor of the real estate, the number of real estate pings, the age of the real estate, the availability of parking spaces and the real estate Whether there is building management. The collateral value assessment and monitoring system as described in claim 3, wherein the assessment and monitoring host further includes an analog object screening module, based on the real estate data and the real price to register the real estate stored in the transaction information database The data is compared to search for a plurality of real estate similar to the real estate data, and converted into the calculated transaction unit price of the real estate. The collateral value assessment and monitoring system as described in claim 5, wherein the assessment and monitoring host further includes a regression model of house prices and individual factors, based on the house price index changes in the house price index database and the electronic transcript of the national land administration The real estate information recorded in the database forms a regression calculation module. The collateral value assessment and monitoring system as described in claim 6, wherein the house price and individualized factor regression module further captures the age of the real estate and the neighboring suspected settings recorded in the national land administration electronic transcript database Application and regional analysis information are used as individual adjustment factors to form the regression calculation module of the real estate. The collateral value evaluation and monitoring system according to claim 1, wherein the evaluation and monitoring host more periodically calculates the calculated transaction unit price of the real estate and the regression calculation module to periodically according to the regression calculation module and the Calculate the transaction unit price to evaluate the real estate value. The collateral value assessment and monitoring system as described in claim 8, wherein when the periodic assessment of the real estate value decreases by more than a threshold, the assessment and monitoring host will automatically issue a warning message for risk control . The collateral value assessment and monitoring system as described in claim 1, wherein the assessment and monitoring host will notify the customer of relevant business information.

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