METHOD APPARATUS AND COMPUTER READABLE RECORDING MEDIUM FOR MANAGEMENT OF CREDIT RATING THROUGH FUNDREVOLVING PLATFORM

摘要

The present invention relates to a method for managing a credit rating through a fund revolving platform. Specifically, the method comprises: a loan-related information collecting step of collecting, in a fund revolving platform, loan-related information, including at least one among income information, existing loan information, and credit rating information being actually reflected in a credit-rating agency server of a borrower, through API linking between a fund revolving platform server and the credit-rating agency server; a repayment-dedicated account establishing step of establishing a repayment-dedicated account, which is a virtual account in the name of the borrower, for the purpose of repaying an existing loan; an existing loan repaying step of allowing the investment of an investor for executing a loan for the borrower to be received by the repayment-dedicated account, and making a repayment for the existing loan by paying the received investment to a loan agency account having executed the existing loan; and an investment repaying step of making a repayment for the investment of the investor by executing a new loan with a loan product with a relatively low loan interest when it is determined that the credit rating of the borrower is raised by passage of a preset credit rating reflection period after the existing loan repaying step. Therefore, the method can help restore the credit rating of the borrower.