Car financing system by bank loan and credit card, and method for operating the system

摘要

PURPOSE: A car financial system with a credit card and a bank loan and a management method thereof are provided to reduce the loss of a bank as the bank takes an insurance product for right protection. CONSTITUTION: A bank server(110) approves the provision of a loan product for a price of purchase and sale for a car. The bank server determines the provision of a loan by holding a mortgage on a first insurance product compensating for the loss of a bank and a second insurance product compensating for uncollected money. A credit card company server(120) provides a car financial card product for the price of purchase and sale for the car. The credit card company server receives money for the car. [Reference numerals] (100) Bank server; (120) Credit card company server; (130) First insurance company server; (140) Second insurance company server