. A Business model and system which allow different amount of loans to University students depending on school department year and grades.

摘要

PURPOSE: A system for estimating limit of loan corresponding to qualification of a university student(or postgraduate student) is provided to automatically determine the limit of loan differently through a CSS(Credit Scoring System) by considering a possibility of future growth in accordance with a school, a school subject, a school year, and a school record with respect to a social standing of the university student when an Internet loan is processed in a financial institution. CONSTITUTION: It is checked whether a loan request exists(7) after searching information of a user(6). If a loan request exists, a credit evaluation process is executed(8). If the loan request is approved(9), a loan examination is executed(10). Documents necessary for the approved loan request are checked(11), and a lending service is executed(12). Thus, a university student(postgraduate student) receives a loan easily and conveniently by evaluating a personal possibility of future growth of the student as a credit. Thus, a stable growth of the student is secured.