SYSTEM AND METHOD FOR MANAGING ENTERPRISE LOAN BY OPERATION VIRTUAL ACCOUNT

摘要

PURPOSE: A system and a method for managing an enterprise loan are provided to operate a virtual account reflecting a sales state in real-time, make a bank secure the security for suppliers with a business showings evaluating result using the virtual account, and promptly offer the load to the suppliers depending on the sales. CONSTITUTION: A sales server(10) is operated to sell goods to a buyer. An account management module(18) manages the virtual account of each goods/supplier. A database(20) manages the business showings of the supplier. A bank server(12) provides the sales server with the virtual account for each goods for the reception from the buyer, transfers a total amount of the virtual account for each goods to the virtual account for each supplier, and sums/stores the business showings of the virtual account for each supplier in the database. The bank server decides on the withdrawal of the limited loan for the supplier by referring to more than one of the database and the virtual account of the supplier.