METHOD AND SYSTEM FOR P2P LOAN EVALUATION USING LIQUIDITY OF SECURITY

摘要

The present invention relates to a method and a system for P2P loan evaluation using the liquidity of a security, capable of conducting a demand prediction investigation on a security such as an unlisted stock, of which an official price is not set, and determining whether to approve a loan or not in accordance with the result of an investigation. A P2P loan system includes: a loan management server; a creditor terminal allocated to at least one creditor forming a creditor group, and communicating data with the loan management server; and a debtor terminal allocated to a debtor, and communicating data with the loan management server. The loan evaluation method, applied to the P2P loan system, includes: a first step of providing loan application information including security information and loan information through the debtor terminal; a second step of enabling the loan management server to conduct a primary demand prediction investigation on the creditor terminal by using the security information; and a third step of determining whether making a loan corresponding to the loan information of the first step is possible or not by using the result of the primary demand prediction investigation, and then, reporting the result to the debtor terminal.;COPYRIGHT KIPO 2017