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WO2008126998A1 - Système et procédé de courtage en prêts interpersonnels - Google Patents

Système et procédé de courtage en prêts interpersonnels Download PDF

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Publication number
WO2008126998A1
WO2008126998A1 PCT/KR2008/001855 KR2008001855W WO2008126998A1 WO 2008126998 A1 WO2008126998 A1 WO 2008126998A1 KR 2008001855 W KR2008001855 W KR 2008001855W WO 2008126998 A1 WO2008126998 A1 WO 2008126998A1
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WO
WIPO (PCT)
Prior art keywords
loan
auction
applicant
collection
providers
Prior art date
Application number
PCT/KR2008/001855
Other languages
English (en)
Inventor
Hyun Uk Shin
Original Assignee
Hyun Uk Shin
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Hyun Uk Shin filed Critical Hyun Uk Shin
Publication of WO2008126998A1 publication Critical patent/WO2008126998A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification

Definitions

  • the present invention relates to an interpersonal loan brokerage system and method, in which the convenience of a loan is provided by offering available conditions for the loan and receiving a loan application through effective loan brokerage using the Internet so that a loan applicant may borrow money in a further speedy way and at a further lower interest rate, and injustice of collection companies may be prevented.
  • Individuals who desire to give a loan may be provided with credit information of the loan applicant as high as the level of credit information provided by specialized financial institutes, and small amounts of money are collected from a plurality of loan providers and provided to one loan applicant, and therefore, surplus funds may be invested to make higher interest income from the loan than from general commercial banks.
  • An individual who desires to borrow money may be provided with a loan at an interest rate lower than a market interest rate, and through the process of selecting and evaluating collection companies, injustice of the collection companies may be prevented even when the loaned money is not repaid due to unavoidable circumstances.
  • individuals providing a loan may confirm credit information and default rates of loan seekers, and a plurality of loan providers jointly provide a loan to one loan seeker, risk of a bad debt may be distributed.
  • an interpersonal loan brokerage system is earnestly required, in which conveniences in making a loan is provided by offering available conditions for the loan and receiving a loan application through effective loan brokerage using the Internet so that a loan applicant may borrow money in a further speedy way and at a further lower interest rate, and injustice of collection companies may be prevented.
  • Individuals who desire to give a loan may be provided with credit information of the loan applicant as high as the level of credit information provided by specialized financial institutes, and small amounts of money are collected from a plurality of loan providers and provided to one loan applicant, and therefore, surplus funds may be invested to make higher interest income from the loan than from general commercial banks.
  • An individual who desires to borrow money may be provided with a loan at an interest rate lower than a market interest rate, and through the process of selecting and evaluating collection companies, injustice of the collection companies may be prevented even when the loaned money is not repaid due to unavoidable circumstances. Disclosure of Invention
  • the present invention has been made in order to solve the above problems, and it is an object of the invention to provide an interpersonal loan brokerage system and method, in which the convenience of a loan is provided by offering available conditions for the loan and receiving a loan application through effective loan brokerage using the Internet so that a loan applicant may borrow money in a further speedy way and at a further lower interest rate, and injustice of collection companies may be prevented.
  • Another object of the invention is to provide an interpersonal loan brokerage system and method, in which individuals who desire to give a loan may be provided with credit information of the loan applicant as high as the level of credit information provided by specialized financial institutes, and small amounts of money are collected from a plurality of loan providers and provided to one loan applicant, and therefore, surplus funds may be invested to make higher interest income from the loan than from general commercial banks.
  • Still another object of the invention is to provide an interpersonal loan brokerage system and method, in which an individual who desires to borrow money may be provided with a loan at an interest rate lower than a market interest rate, and through the process of selecting and evaluating collection companies, injustice of the collection companies may be prevented even when the loaned money is not repaid due to unavoidable circumstances.
  • Yet another object of the invention is to provide an interpersonal loan brokerage system and method, in which since individuals providing a loan may confirm credit information and default rates of loan seekers, and a plurality of loan providers jointly provide a loan to one loan seeker, risk of a bad debt may be distributed.
  • a further object of the invention is to provide an interpersonal loan brokerage system and method, in which since angel investments actively made in other countries are hard to find domestically, a company preparing to start a new business or a company that is promising but suffering from lack of funds may utilize the brokerage system as a tool for securing funds from a plurality of individuals and financial institutes.
  • an interpersonal loan brokerage system comprising: a loan application credit evaluation system for receiving a registration application of a loan seeker through the Internet and providing a credit rating of the loan seeker based on base data and loan history information received together with the application; a loan risk distribution system for distributing risk of loan providers in order to minimize damages of the loan providers suffered from a bad debt when they provide the loan, by limiting an amount to be loaned by a loan provider and allowing a plurality of loan providers to collect small amounts of money and give a loan to one loan applicant; a loan statistics system for providing the convenience of a loan by calculating and displaying a debt to income (DTI), default rate, default rates of similar members, recommended interest rate, maximum interest rate, and expected earning rate to the default rate using information on a job group, personal details, income, credit rating, age, gender, possession of security, details of existing debts, and descriptions on the use of the system in the past, and classifying loan
  • DTI debt to income
  • the interpersonal loan brokerage system of the invention further comprises: a member management system for allowing a member to input essential identification information such as name, resident registration number, address, and phone number required to use the loan brokerage system, and detailed information required to receive a loan such as income and debt, for allowing the member to undergo a process of confirming a real-name or support documents, anonymously act using an ID and an pen name, and make an electronic contract using the ID and pen name, but not the real- name, in a bid application and a loan agreement, and for providing a contracting party with the identification information including the real-name and contact information only when repayment is delayed for an extended period of time or benefit of time is lost.
  • a member management system for allowing a member to input essential identification information such as name, resident registration number, address, and phone number required to use the loan brokerage system, and detailed information required to receive a loan such as income and debt, for allowing the member to undergo a process of confirming a real-name or support documents, anonymously act using an ID and an pen name, and make an
  • the interpersonal loan brokerage system of the invention further comprises: an auction system operated in the form of a reverse auction, wherein if the loan auction applicant applies for a loan auction, an auction screen of the auction system of the loan brokerage system displays detailed information needed to determine whether or not to participate in the auction, such as an object of loan application of the loan applicant, amount of loan application, period of loan application, period of the auction, job group, personal details, income, details of debts, credit rating, age, gender, debit to income (DTI), possession of security and history of loans received in a past, and default rates of other members having conditions similar to those of the loan applicant, and participants of the auction participate in the auction offering a loan interest rate lower than interest rates offered by other bidders in the auction system.
  • an auction system operated in the form of a reverse auction wherein if the loan auction applicant applies for a loan auction, an auction screen of the auction system of the loan brokerage system displays detailed information needed to determine whether or not to participate in the auction, such as an object of loan application of the loan applicant, amount of loan application, period of
  • an interpersonal loan brokerage method comprising: a step of joining as a member and transmitting documents proving financial status wherein a loan applicant inputs detailed information needed for a loan application, including information on credit and income of the loan applicant, in a member management system and transmits support documents for proving the inputted information by mail, and an operator connects to a loan brokerage system and additionally inputs whether the support documents are transmitted into the member management system so that whether or not the support documents are transmitted is displayed on an auction list; a step of processing an auction wherein detailed information needed for a loan, including information on credit, loaned history in a past, and income of the loan applicant, is posted on a screen of an auction system of the loan brokerage system, and the number of loans and a total amount to be loaned by a loan provider are limited based on settings of a loan risk distribution system, and when the auction is started and a bid is succeeded, the auction applicant and auction participants electronically make a loan agreement by putting signatures using a digital certificate on
  • the interpersonal loan brokerage method of the invention further comprises the step of: allowing the loan provider to press a menu button of a collection institute or an attorney in charge of collection in the step of processing an auction, automatically put a signature of the loan applicant on the created electronic contract with a digital certificate if the loan provider presses a collection menu button when payment of the loan is delayed, and transmit the electronic contract and contents related to a loan agreement, which are previously stored in a collection company evaluation system and selected by the loan applicant by pressing the menu button of a collection institute or an attorney in charge of collection, to the collection institute or the attorney in charge of the collection through a home page and an e-mail.
  • the present invention relates to an interpersonal loan brokerage system and method, in which the convenience of a loan is provided by offering available conditions for the loan and receiving a loan application through effective loan brokerage using the Internet so that a loan applicant may borrow money in a further speedy way and at a further lower interest rate, and injustice of collection companies may be prevented.
  • Individuals who desire to give a loan may be provided with credit information of the loan applicant as high as the level of credit information provided by specialized financial institutes, and small amounts of money are collected from a plurality of loan providers and provided to one loan applicant, and therefore, surplus funds may be invested to make higher interest income from the loan than from general commercial banks.
  • An individual who desires to borrow money may be provided with a loan at an interest rate lower than a market interest rate, and through the process of selecting and evaluating collection companies, injustice of the collection companies may be prevented even when the loaned money is not repaid due to unavoidable circumstances.
  • individuals providing a loan may confirm credit information and default rates of loan seekers, and a plurality of loan providers jointly provide a loan to one loan seeker, risk of a bad debt may be distributed.
  • FIG. 1 is a view showing the configuration of a loan brokerage system according to an embodiment of the invention.
  • FIG. 2 is a view showing the flow of a loan transaction in the loan brokerage system according to an embodiment of the invention.
  • FIG. 3 is a view showing a status of participating in a bid through the loan brokerage system according to an embodiment of the invention.
  • FIG. 4 is a flowchart illustrating a loan risk distribution system in the loan brokerage system according to an embodiment of the invention.
  • FIG. 5 is a flowchart illustrating a loan brokerage method according to an embodiment of the invention.
  • FIG. 6 is a flowchart illustrating the process of a reverse auction according to an embodiment of the invention. Mode for the Invention
  • FIG. 1 is a view showing the configuration of a loan brokerage system according to an embodiment of the invention
  • FIG. 2 is a view showing the flow of a loan transaction in the loan brokerage system according to an embodiment of the invention
  • FIG. 3 is a view showing a status of participating in a bid through the loan brokerage system according to an embodiment of the invention
  • FIG. 4 is a flowchart illustrating a loan risk distribution system in the loan brokerage system according to an embodiment of the invention
  • FIG. 5 is a flowchart illustrating a loan brokerage method according to an embodiment of the invention
  • FIG. 6 is a flowchart illustrating the process of a reverse auction according to an embodiment of the invention.
  • the loan brokerage system 100 comprises a loan applicant credit evaluation system 200, a loan risk distribution system 300, a loan statistics system 400, a collection company evaluation system 500, a member management system 600, an auction system 700, a loan applicant DB server 210, a loan provider DB server 310, a loan history DB server 410, and a collection company DB server 510.
  • the loan applicant credit evaluation system 200 which includes the loan applicant
  • the loan applicant credit evaluation system 200 receives a registration application of a loan seeker through the Internet and provides a credit rating of the loan seeker based on base data for credit evaluation and loan history information received together with the registration application.
  • the loan applicant credit evaluation system 200 provides the loan provider with information needed for participating in a loan bid and gains access to the loan brokerage system 100.
  • the loan applicant credit evaluation system 200 is constructed by combining information received from the loan applicant DB server 210 and the loan history DB server 410.
  • the loan risk distribution system 300 which includes the loan provider DB server
  • the loan risk distribution system 300 is a safeguard that limits an amount to be loaned by previously determining a "maximum amount to be loaned by a loan provider" to minimize damages of the loan providers suffered from a bad debt.
  • a manager logs in 5 the loan risk distribution system and determines 51 a limit of an amount of a loan that a loan provider can provide to a loan applicant at a time. Then, the loan provider inputs 52 a maximum amount to be loaned utilizing member management information of the loan applicant and stores 53 the maximum amount.
  • the loan applicant 1 registers a loan application bid 11.
  • an amount, interest rate, and period of the loan are determined.
  • the loan provider 2 inquires 21 a loan application bid list and participates in 22 a loan application bid as the loan applicant 1 registers the bid.
  • the loan provider 2 stores 23 loan information.
  • the loan applicant 1 inquires, selects, and confirms a collection company that will be in charge of collection of his or her loan, makes a loan contract, and stores contract information 12.
  • the loan applicant 1 receives information on claims of the principal and interests 13 accompanied by repayment of the loaned amount, and the loan provider 2 receives payment information 24 on the principal and interests of the loan applicant 1.
  • a loan provider inquires the loan amount, credit rating, period, and interest rate provided by the loan brokerage system and participates in an appropriate bid.
  • a limit of a loan provided by a loan provider is determined by the loan risk distribution system 300, which is a constitutional component of the present invention. That is, there should be enough loan providers in order to meet a loan application of a high amount. For example, for a loan applicant applying for 10 million Korean Won, if the limit of a loan provided by a loan provider is set to 200 thousand Korean Won, the loan bid is made successful only when at least fifty bids are assembled for the loan.
  • the loan statistics system 400 which includes the loan history DB server 410, provides the convenience of a loan by calculating and displaying a debt to income (DTI), default rate, default rates of similar members, recommended interest rate, maximum interest rate, and expected earning rate to the default rate using information on a job group, personal details, income, credit rating, age, gender, possession of security, details of existing debts, and descriptions on the use of the system in the past, and classifying loan bid applicants through a detailed conditional search, so that a loan provider himself or herself may determine an earning rate to risk.
  • the loan statistics system 400 is a system for providing a loan by individuals, not by specialized loan companies, and information on loan applicants that does not fall behind that of the specialized companies is indispensable.
  • loan history DB server 410 overall information of a loan applicant related to a loan, such as the amount, period, and credit rating in the process of receiving a loan as well as an delinquent bad debt or the like in the process of repaying the loan, is stored in the loan history DB server 410 and processed and utilized as statistical information.
  • the loan statistics system 400 provides information comparing information on a delinquency rate and a default rate of each credit rating extracted from the loan history DB server 410 with an interest rate assuming that a loan is actually provided, which also displays additional information such as an expected earning rate.
  • the collection company evaluation system 500 which includes the collection company DB server 510, stores a plurality of collection companies and evaluation data, and an individual who receives a loan selects a collection company and evaluates the collection company after a collection process is completed.
  • the collection company evaluation system 500 is a system for providing and evaluating transactions between a plurality of individuals and an individual, which essentially registers companies that execute collection of a loan for the loan providers when a bad debt arises.
  • the collection company evaluation system 500 is an evaluation system in which a plurality of collection companies is registered, and the loan applicant himself or herself marks penalty points on collection companies that illegally and forcibly collect a loan, in order to protect human rights of the loan applicant.
  • the collection company evaluation system 500 arouses competition among collection companies to provide better services to loan applicants.
  • a list of collection companies is provided to the loan applicant in the final step of a loan contract in the form of combining introduction of respective collection companies, evaluations from past loan applicants, and numerically expressed points.
  • a member inputs essential identification information such as name, resident registration number, address, and phone number for using the loan brokerage system, and detailed information required to receive a loan such as income and debts into the member management system 600, undergoes a process of confirming a real-name or support documents, anonymously acts using an ID and an pen name, and makes an electronic contract using the ID and the pen name, not the real-name, in a bid application and a loan agreement.
  • the member management system 600 provides a contracting party with the identification information including the real-name and contact information only when repayment is delayed for an extended period of time and benefit of time is lost.
  • the auction system 700 is operated in the form of a reverse auction, in which if the loan auction applicant applies for a loan auction, an auction screen of the auction system of the loan brokerage system displays detailed information needed to determine whether or not to participate in the auction, such as the object of loan application of the loan applicant, amount of loan application, period of loan application, period of the auction, job group, personal details, income, details of debts, credit rating, age, gender, debt to income (DTI), possession of security and history of loans received in the past, and default rates of other members having conditions similar to those of the loan applicant, and participants of the auction participate in the auction offering a loan interest rate lower than interest rates offered by other bidders in the auction system.
  • DTI debt to income
  • the auction screen displays detailed information such as credit information of the loan applicant, history of loans received in the past, and information on income, and an operator previously sets limits of the number of loans and a total amount of a loan in the loan risk distribution system.
  • the auction applicant and the auction participants electronically make a loan agreement by putting signatures using a digital certificate on an electronic contract automatically created based on data extracted from the loan provider DB and the loan applicant DB.
  • FIG. 6 is a flowchart illustrating the process of a reverse auction according to an embodiment of the invention.
  • a contract specified with contract conditions including an ID of the applicant, applied amount, applied interest rate, and period extracted from a loan applicant DB and a loan history DB, is automatically made on the basis of previously prepared standard terms of the contract, and a loan agreement is made as an electronic contract 3 and the auction is open by putting signatures on a public digital certificate.
  • the loan providers participate in the auction once or more in the form of a reverse auction in which an applicant opens an auction and loan providers, i.e., participants of the auction, compete lowering the interest rate.
  • the loan providers make an electronic contract 4 by putting a signature on the loan agreement, which is automatically made on the basis of data extracted from the loan provider DB and the loan history DB, using a digital certificate, and thus participation in the auction 41 is closed.
  • a bid amount per participant 7 previously set by the operator in the loan risk distribution system is transferred from accounts of respective loan providers and accumulated in the account of the loan applicant 31.
  • a maximum amount to be loaned that a loan provider may bid in the auction is inputted 7 in the loan risk distribution system to limit an amount to be loaned to a small amount. For example, if the maximum amount of a loan provider for one auction applicant is limited to 20,000 Korean Won, at least more than 100 loan providers need to participate in an auction applied for a loan of 2 million Korean Won. It is to make only a bid that has passed a review by a plurality of loan providers successful and to minimize damages of the loan providers to below 20,000 Korean Won from a potential risk such as a bankruptcy of the loan applicant.
  • the loan applicant transfers the amount accumulated in the loan applicant's account to a real bank account 32 and use the transferred money.
  • the loan applicant deposits money as much as a monthly repayment amount in his or her account in each month before the repayment due date arrives, and the deposited money is transferred and accumulated in the accounts of the loan providers when the repayment date arrives 33. If the repayment is completed, the auction is closed.
  • the loan provider may request a collection 42.
  • the loan provider may request a collection company to a collect the loan through the process of putting a signature on a collection request electronic contract 43 made on the basis of data extracted from the collection company DB, loan applicant DB, loan provider DB, and loan history DB.
  • information on the electronic contract 3 of the loan applicant, the electronic contracts 4 of the auction participants, repayment details, and the like is transmitted 44 to the collection company predetermined by the auction applicant as an e-mail and posted on a web-page exclusive to the collection company.
  • the collection company posts the status of processing the collection on the web-page exclusive to the collection company, the status of processing is simultaneously posted on web-pages exclusive to the loan applicant and the loan providers so that they can view the status.
  • the loan applicant evaluates the collection company 80, and the auction is closed.
  • the first is the step of joining as a member and transmitting documents proving financial status.
  • a loan applicant inputs detailed information needed for a loan application, including information on credit and income of the loan applicant, in the member management system and transmits support documents for proving the inputted information by mail, and an operator connects to the loan brokerage system and additionally inputs whether the support documents are transmitted into the member management system so that whether or not the support documents are transmitted is displayed on an auction list.
  • the loan applicant becomes a member by inputting basic information such as name, resident registration number, address, and phone number to use the loan brokerage system, anonymously acts using an ID, inputs a connected account number and simultaneously receives a temporary account number into which money may be deposited, acquires a status of a loan applicant through an electronic authentication process in order to make a bid in an auction, and immediately acquires a right to take part in an auction through an auction screen.
  • basic information such as name, resident registration number, address, and phone number
  • the second is the process of performing an auction.
  • Detailed information needed for a loan including information on credit, loaned history in the past, and income of the loan applicant, is posted on the screen of the auction system of the loan brokerage system, and the number of loans and a total amount to be loaned by a loan provider are limited based on the settings of the loan risk distribution system.
  • the auction applicant and the auction participants electronically make a loan agreement by putting signatures using a digital certificate on an electronic contract automatically created in connection with the loan provider DB and the loan applicant DB.
  • the loan applicant is the subject of processing the auction from the viewpoint of the loan applicant.
  • the loan applicant selects a desired amount, maximum affordable interest rate, and period.
  • the loan applicant selects the desired amount among 500 thousands, 1 million, and 2 million Korean Won, freely determines the interest rate under 40 %, and selects the period among 3, 6, 9, and 12 months.
  • the loan applicant operates a bulletin board in association with an auction number, on which the loan applicant may freely post self introduction, object of the loan, and the like.
  • the loan applicant posts only the maximum affordable interest rate.
  • the loan provider selects an auction suitable for loan provider's conditions using a search tool and makes a bid for the auction.
  • the loan provider may make a bid after depositing an amount larger than a bid amount in the account of the loan provider.
  • the loan provider may make a bid only at an interest rate lower than the maximum interest rate determined by the loan applicant.
  • the total amount to be loaned is limited to 400 thousands Korean Won and an amount that the loan provider may offer per bid is a unit of 20 thousands Korean Won, the amounts may be varied.
  • the bid amount is automatically changed to a minimum interest rate with which a bid can be made.
  • the loan provider may filter interest rates lower than the minimum interest rate that he or she may afford in the process of searching auctions. After the auction is closed, an amount corresponding to the bid amount may not be withdrawn from account points.
  • the third is the process of providing a loan or handling of a failed bid depending on a result of the auction. If bid amounts offered by the loan providers are more than the total amount that the loan applicant desires to borrow after the auction and thus the auction is successful, the loan providers and the loan applicant are informed of the result of the auction through my page of members and e-mails. Then, a schedule for repayment of the principal and interests is suggested, and a loan is practiced as a result of the auction. If the bid amounts are less than the total amount, the entire auction processed is failed.
  • priorities of the loan providers who participate in the auction are determined such that the bids are succeeded in order of from a loan provider offering a lower interest rate.
  • a loan provider who participates in the auction earlier is considered as being succeeded in the bid. After the bids are succeeded, a corresponding amount is transferred to an account of the loan applicant, and the loan applicant may withdraw the money. If the bids are failed, records of the failed bids are stored, and an auction may be re-opened. In addition, the amount of the succeeded bids is withdrawn from the accounts of the loan providers.
  • the fourth is the process of repaying the loan before a due date arrives and closing the loan.
  • the loan brokerage system provides the loan applicant with information on the principal to be repaid before the due date and interests to be paid on predetermined dates, and provides the loan applicant and the loan providers with an alarm service for informing details on delinquency through an e-mail or a character message of a cellular phone when the payment is delayed.
  • the fifth is the process of requesting a collection. If the loan applicant delays repaying the loan in the process of paying the loan before the due date arrives and closing the loan, the loan providers request a collection. Here, if the loan applicant delays repaying the loan more than 10 days, the real-name, e-mail address, cellular phone number, and home phone number of the loan applicant are transmitted to corresponding loan providers. If the loan applicant delays repaying the loan more than 30 days, a service related to a procedure using a legal loan collection service is provided according to the request of the loan providers.
  • the present invention relates to an interpersonal loan brokerage system and method, in which the convenience of a loan is provided by offering available conditions for the loan and receiving a loan application through effective loan brokerage using the Internet so that a loan applicant may borrow money in a further speedy way and at a further lower interest rate, and injustice of collection companies may be prevented.
  • Individuals who desire to give a loan may be provided with credit information of the loan applicant as high as the level of credit information provided by specialized financial institutes, and small amounts of money are collected from a plurality of loan providers and provided to one loan applicant, and therefore, surplus funds may be invested to make higher interest income from the loan than from general commercial banks.
  • An individual who desires to borrow money may be provided with a loan at an interest rate lower than a market interest rate, and through the process of selecting and evaluating collection companies, injustice of the collection companies may be prevented even when the loaned money is not repaid due to unavoidable circumstances. Since individuals providing a loan may confirm credit information and default rates of loan seekers, and a plurality of loan providers jointly provide a loan to one loan seeker, risk of a bad debt may be distributed.
  • a company preparing to start a new business or a company that is promising but suffering from lack of funds may utilize the brokerage system as a tool for securing funds from a plurality of individuals and financial institutes.

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Abstract

L'invention concerne un système et un procédé de courtage en prêts interpersonnels qui offrent la possibilité d'obtenir un prêt commode aux conditions disponibles. Selon l'invention, la demande de prêt est transmise sur l'Internet par le biais d'un courtage en prêts efficace, de sorte que le demandeur peut emprunter de l'argent de manière plus rapide et à un taux d'intérêt inférieur, sans se voir confronté à des sociétés de recouvrement injustes. Les individus qui souhaitent octroyer un prêt reçoivent des informations de crédit concernant le demandeur, d'un niveau de qualité aussi élevé que les informations de crédit fournies par les institutions financières spécialisées, et de petites quantités d'argent sont collectées auprès d'une pluralité de prêteurs et distribuées à un demandeur, l'excédent de fonds pouvant alors être investi afin d'obtenir des intérêts plus élevés que ceux que l'on obtiendrait auprès de banques commerciales classiques. Lînvention permet à un individu qui souhaite emprunter de l'argent de recevoir un prêt à un taux d'intérêt inférieur au taux d'intérêt du marché, et permet également dempêcher toute injustice par un processus de sélection et d'évaluation des sociétés de recouvrement, même lorsque l'argent prêté n'est pas remboursé en raison de circonstances inévitables. Etant donné que les individus qui octroyent le prêt peuvent confirmer les informations de crédit et le taux de défaillance des demandeurs, et qu'une pluralité de prêteurs se réunissent pour fournir un prêt à un seul et même demandeur, les risques de non remboursement de la dette sont répartis. Ce type d'investissement providentiel, couramment pratiqué dans d'autres pays, étant difficile à trouver localement, une société qui se lance dans les affaires ou qui possède un fort potentiel mais souffre d'un manque de fonds peut recourir au système de courtage de l'invention pour trouver des fonds auprès d'une pluralité d'individus et d'institutions financières.
PCT/KR2008/001855 2007-04-17 2008-04-02 Système et procédé de courtage en prêts interpersonnels WO2008126998A1 (fr)

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KR1020070037261A KR100773295B1 (ko) 2007-01-09 2007-04-17 개인간 대출 중개 시스템 및 방법
KR10-2007-0037261 2007-04-17

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Cited By (5)

* Cited by examiner, † Cited by third party
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CN110046981A (zh) * 2018-01-15 2019-07-23 腾讯科技（深圳）有限公司 一种信用评估方法、装置及存储介质
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CN106464662A (zh) * 2015-09-16 2017-02-22 深圳市银信网银科技有限公司 一种数据交互处理方法、装置以及线上筹资方法
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CN113344692B (zh) * 2021-04-24 2022-03-11 大连理工大学 多信息源融合的网络借贷信用风险评估模型的建立方法
CN114036384A (zh) * 2021-11-09 2022-02-11 中国银行股份有限公司 一种数据处理方法及装置

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