• 专利附录
  • 专利说明
  • 权利要求
  • 类似技术
  • 同族专利
  • 引用文献
  • 法律状态
  • 优先权
    • 专利摘要:
    The present invention guarantees the stability of depositors or investors of financial companies, prevents the ills caused by the cases in which the depositors or investors suffer huge losses and disadvantages due to the negligence of managerial responsibility or executives. The financial service model (hereinafter referred to as 'financial company' or 'head office') according to the present invention is a new type of financial service model that is designed to provide efficient and efficient loan business. Financial companies fully deposit their investments in commercial banks, the first financial institutions, to guarantee minimum interest rates for investors. Financial companies receive loans from commercial banks as collateral for investments deposited in commercial banks. Solidarity guarantee and guarantee guarantee according to the information certificate that can guarantee the personal credit of the operators Based on securities as collateral, the individual credits are accurately assessed, the individual credit limit is measured according to the examination, and investment and loans are made within the limit amount. It is a new financial service model that collects loans, interests and fees from customers by performing loans, and provides financial services online and offline to branches, branches and customers. To this end, the present invention establishes an on-line financial service system that connects customers with loan applications online and at the same time with local branches and branches, and financial companies continue to recruit investors, branch offices, and branch networks to provide branch offices and business operators. It is characterized by a financial service that ensures stable returns to deposit holders, that is, investors, by thoroughly managing customers based on accurate customer information.
    公开号:KR20020010729A
    申请号:KR1020020000925
    申请日:2002-01-08
    公开日:2002-02-04
    发明作者:배철병
    申请人:배철병；
    IPC主号:
    专利说明:

    Stability Finance Service Model to Preserved The Principal and Interest of a Deposied People}
    [2] Immediately after the IMF, each bank's insolvency was released to the public, while the underprivileged banks took over mergers, acquisitions, and restructurings, and the ordinary people who believed that the damage was a business with no defaults were handed over to their owners. With the stability of principals and interests held by the depositors, the management's and staff's unsatisfactory management methods showed that the interest rate could not be recovered and the principal could not be recovered.
    [3] This has led to a growing distrust among bankers, who are not necessarily safe deposits in banks, and that this can only survive good banks that can secure depositors' money. I came to a consequence.
    [4] However, the second and third financial institutions, except for the best banks in the first financial sector, have not yet been proven to be transparent, unless they have a financial service model that can hold management responsibility or executives financially responsible for negligence. The damages of the stockholders, or the common people, due to the same bank's insolvency problems will continue to protrude.
    [5] In addition, the depositor's money, which had been looking at stable profits through bank deposits, is getting out of the stock market, real estate market, etc., due to the record low deposit rate. The bank's deposit lending business, which is the basis of economic activity, is shrinking.
    [6] Therefore, the present invention realizes the financial services of the depositor, that is, the investor and the investor, in order to preserve the investment and interest of the investor reliably, thereby guaranteeing the solidarity guarantee and guarantee insurance policy according to the financial information. To secure fast loans and the stability of depositors and investors to customers in need of funds by establishing an online financial service system, which is designed to expand branches and branch networks that can make investments, and to allow customers to apply for loans online. The purpose is.
    [1] 1 is a financial service flow chart of a financial company according to the present invention
    [7] As shown in FIG. 1, the financial company according to the present invention deposits the deposit deposited by the account holder, that is, the interest on the investment deposited by depositing the entire investment (1 in FIG. 1) to the commercial bank of the first financial institution (2 in FIG. 1). The minimum guaranteed market interest rate to investors by paying to investors (3 in Fig. 1), and the financial company loans the investment amount deposited from the commercial bank of the first financial institution that deposited the investor's investment (3 in Fig. 1). ), The financial company accurately assesses the personal credit according to the joint guarantees and guarantee insurance policies in accordance with the financial information to the branch and branch operators in various regions, and measures the personal credit limit amount according to the screening. Investment and loans are made to branch and branch operators (4 and 5 in Fig. 1), and if a general customer applies for a loan to a financial company or a branch or branch in the region, The company and branch operators go through the due diligence and screening and loan the amount requested by the customer (Fig. 6), and the branch and branch operators collect the principal, interest, and fee (Fig. 7) to receive the interest and fee. Will be distributed with headquarters, branches, and branches (8, 9 in Fig. 1), and the head office will distribute the proceeds announced to investors.
    [8] In addition, the head office connects the operators of branch offices and branches to the relevant business areas and thoroughly manages customers based on accurate customer information to ensure the stability of investments invested by financial companies, namely depositors and investors. Dividends will be paid.
    [9] As described above, financial companies deposit investments invested by depositors, i.e., commercial banks in the first financial sector, to minimize market interest rates to investors, thereby providing stable income bases for stable investors, as well as branch offices and actual practitioners of loans. By investing the branch operators with collateral guarantees and guarantee insurance policies as collateral, it is possible to secure the investment of the depositor, that is, the investor.
    [10] In addition, as a financial service model in which the depositor becomes the investor and the investor becomes the depositor, the investor receives a dividend of the general market rate + α, which opens the way for easy high-yield investment to the common people through deposits.
    [11] As described above, the present invention, which is a new financial service model, brings about the stabilization and development of the national financial industry, along with the creation of employment personnel as a new financial market.
    权利要求:
    Claims (1)
    [1" claim-type="Currently amended] In the financial company, the deposit deposited by the account holder, i.e., the entire investment (1 in FIG. 1), is deposited in the commercial bank of the first financial sector (2 in FIG. 1);
    Ensure minimum market interest rate to investors by paying interest to investors on deposits deposited (3 in Figure 1);
    The financial company receives a loan (3 in FIG. 1) as collateral for the deposit deposited from a commercial bank of the first financial sector which deposited the investors' investment;
    Financial companies accurately assess personal credits based on joint guarantees and guarantee insurance securities based on financial statements to subsidiaries and branch operators in various regions. Investing and lending to operators (4, 5 of FIG. 1);
    When a general customer applies for a loan to a financial company or a branch and branch office in the region, the branch office and branch operator in the region will go through the due diligence and screening and loan the amount requested by the customer (6 in FIG. 1);
    Branch and branch operators collect principal and interest and fees (7 in Fig. 1) to distribute the proceeds for interest and fees with headquarters, branches and branches (8, 9 in Fig. 1);
    In financial companies, dividends (10 in Fig. 1) disclosed to investors are distributed, and the financial service model provides the above process through on and offline.
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    同族专利:
    公开号 | 公开日
    引用文献:
    公开号 | 申请日 | 公开日 | 申请人 | 专利标题
    法律状态:
    2002-01-08|Application filed by 배철병
    2002-01-08|Priority to KR1020020000925A
    2002-02-04|Publication of KR20020010729A
    优先权:
    申请号 | 申请日 | 专利标题
    KR1020020000925A|KR20020010729A|2002-01-08|2002-01-08|Stability Finance Service Model to Preserved The Principal and Interest of a Deposied People|
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