Car financing system by bank loan and method for operating the system

摘要

PURPOSE: A car financial system with bank loans and a management method thereof are provided to supply a car financial product to a customer at a relatively low interest rate without a loan fee and receive a loan request of a car purchaser through a single channel of a bank. CONSTITUTION: A bank server(110) approves the provision of a loan product for the payment of a car. The bank server determines to give a loan to a loan requester by holding a mortgage on a first insurance product for the loss of a bank and a second insurance product for uncollected money. A first insurance company server(120) provides the first insurance product to the bank server according to a request of the bank server. A second insurance company server(130) provides the second insurance product for the loan according to a request of the bank server. [Reference numerals] (110) Bank server; (120) First insurance company server; (130) Second insurance company server