KR20230085294A - System and Method for Policy Loan Management - Google Patents
System and Method for Policy Loan Management Download PDFInfo
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- KR20230085294A KR20230085294A KR1020210173330A KR20210173330A KR20230085294A KR 20230085294 A KR20230085294 A KR 20230085294A KR 1020210173330 A KR1020210173330 A KR 1020210173330A KR 20210173330 A KR20210173330 A KR 20210173330A KR 20230085294 A KR20230085294 A KR 20230085294A
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- 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
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/26—Government or public services
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Abstract
본 발명은 정책자금 대출 관리 시스템 및 방법에 관한 것으로, 본 발명에 따른 방법은 협약기관서버에서 차주 단말로부터 신청된 정책자금 대출을 위한 융자 추천서를 발급하는 단계, 협약기관서버에서 융자 추천서의 발급 정보를 포함하는 블록 데이터를 생성하여 블록체인 네트워크의 분산 원장에 저장하는 단계,정책자금 대출 신청을 한 차주에 대한 융자 추천서 발급 정보를 분산 원장에서 조회하여 확인하고, 정책자금 대출 신청에 대해 승인하는 단계, 금융기관 시스템에서 승인된 정책자금 대출에 대응하는 정책자금 차입을 요청하는 단계, 그리고 협약기관서버에서 차입 요청된 정책자금을 금융기관에 입금해주는 단계를 포함한다. 본 발명에 의하면, 블록체인 기반으로 정책자금 대출 관리가 이루어지므로, 대출기간이 장기이고, 분할상환이 이루어지는정책자금대출의 특성상 취급 후에도 체계적인 관리가 가능한 장점이 있다. 또한 정책자금 대출을 위한 서류제출, 전달, 보관 등 서류 관리가 용이하다. 또한 차주의 지원대상 자격요건 유지 여부, 자금의 목적 외 사용 여부 등 금융기관과 협약기관 등 복수의 주체가 이중으로 사후관리 가능하여 대출 리스크를 최소화시킬 수 있는 장점이 있다.The present invention relates to a policy fund loan management system and method. The method according to the present invention includes issuing a loan recommendation letter for a policy fund loan requested from a borrower terminal in an agreement institution server, issuance information of the loan recommendation letter from the agreement institution server A step of generating block data including and storing it in the distributed ledger of the blockchain network, A step of checking the issuance information of a loan recommendation letter for a borrower who has applied for a policy fund loan from the distributed ledger, and approving the policy fund loan application , requesting a policy fund loan corresponding to the policy fund loan approved by the financial institution system, and depositing the policy fund borrowed from the agreement institution server to the financial institution. According to the present invention, since the policy fund loan management is performed based on the block chain, there is an advantage in that the loan period is long and systematic management is possible even after handling due to the nature of the policy fund loan in which repayment is made in installments. In addition, it is easy to manage documents such as document submission, delivery, and storage for policy fund loans. In addition, it has the advantage of minimizing loan risk by allowing multiple entities, such as financial institutions and contracting institutions, to perform follow-up management, such as whether the borrower maintains the eligibility requirements for support and whether the funds are used for purposes other than those specified.
Description
본 발명은 정책자금 대출 관리 시스템 및 방법에 관한 것이다.The present invention relates to a policy fund loan management system and method.
정부 및 공공기관이 예산을 책정하여 은행을 통해 융자해주는 정책자금대출의 경우, 차입일자, 금리, 지급용도,취급기간 등 정책자금대출과 관련하여 참여자 간에 상호 확인이 필요한 내용이 많다. 그리고 여러 기관이 참여하는 특성상 서류 제출, 전달, 보관 등 서류 관리에 문제가 발생할 수 있다.In the case of policy fund loans, which are financed through banks by budgets set by the government and public institutions, there are many details that require mutual confirmation among participants in relation to policy fund loans, such as borrowing date, interest rate, payment purpose, and handling period. In addition, due to the nature of the participation of various organizations, problems may arise in document management such as document submission, delivery, and storage.
본 발명이 이루고자 하는 기술적 과제는 블록체인을 기반으로 정책자금 대출 관리가 효율적으로 이루어지도록하기 위한 시스템 및 방법을 제공하는 것이다.The technical problem to be achieved by the present invention is to provide a system and method for efficiently managing policy fund loans based on blockchain.
상기 금융기관 시스템은, 상기 정책자금 대출 신청에 대한 승인 결과를 상기 블록체인 네트워크의 분산 원장에저장하고, 상기 정책자금 대출에 대응하는 정책자금 차입 요청을 상기 블록체인 네트워크의 분산 원장에 저장하는 제3 단말을 더 포함할 수 있다.The financial institution system stores the approval result for the policy fund loan application in the distributed ledger of the blockchain network, and stores the policy fund borrowing request corresponding to the policy fund loan in the distributed ledger of the blockchain network. It may further include 3 terminals.
대출기간이 장기이고, 분할상환이 이루어지는 정책자금대출의 특성상 취급 후에도 체계적인 관리가 가능한 장점이 있다. 또한 정책자금대출을 위한 서류 제출, 전달, 보관 등 서류 관리가 용이하다. Due to the long-term loan period and the nature of policy fund loans, which are repaid in installments, systematic management is possible even after handling. In addition, it is easy to manage documents such as submitting, delivering, and storing documents for policy fund loans.
명세서 전체에서, 어떤 부분이 어떤 구성 요소를 "포함"한다고 할 때, 이는 특별히 반대되는 기재가 없는 한 다른 구성 요소를 제외하는 것이 아니라 다른 구성 요소를 더 포함할 수 있는 것을 의미한다.Throughout the specification, when a certain component is said to "include", it means that it may further include other components without excluding other components unless otherwise stated.
Claims (1)
A policy fund loan management method comprising requesting a policy fund loan corresponding to the policy fund loan approved by the financial institution system, and depositing the borrowed policy fund to the financial institution in the agreement institution server.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020210173330A KR20230085294A (en) | 2021-12-07 | 2021-12-07 | System and Method for Policy Loan Management |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020210173330A KR20230085294A (en) | 2021-12-07 | 2021-12-07 | System and Method for Policy Loan Management |
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| Publication Number | Publication Date |
|---|---|
| KR20230085294A true KR20230085294A (en) | 2023-06-14 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| KR1020210173330A Pending KR20230085294A (en) | 2021-12-07 | 2021-12-07 | System and Method for Policy Loan Management |
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| KR (1) | KR20230085294A (en) |
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2021
- 2021-12-07 KR KR1020210173330A patent/KR20230085294A/en active Pending
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| Date | Code | Title | Description |
|---|---|---|---|
| PA0109 | Patent application |
Patent event code: PA01091R01D Comment text: Patent Application Patent event date: 20211207 |
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| PG1501 | Laying open of application |