METHOD, APPARATUS AND COMPUTER READABLE MEDIUM OF LOAN REPAYMENT BASED ON AUTOMATIC REINVEST FOR IMPROVE FINANCE STRUCTURE AND PROVIDING FUNDREVOLVING SERVICE REQUIRED TO UPGRADE CREDIT RATING

摘要

The present invention relates to a loan repayment method, apparatus and computer-readable recording medium of an automatic reinvestment method for providing a loan repayment service required for credit rating increase and improving financial structure, and provides information on the debtor's current credit rating in a credit rating increase prediction model and a loan possibility determination step of determining whether a loan is possible by inputting debt-related information and predicting future credit rating information, which is an expected value of the debtor's credit rating increase; Comparing the existing monthly repayment for the debtor's expected withdrawal with the debtor's new monthly repayment due to the use of an investment company that supports loan repayment service, the first surplus is calculated 1 surplus fund calculation step; A second surplus calculation step of predicting the debtor's income increase by using the income proof data submitted by the debtor, and calculating the debtor's second surplus money generated by the predicted income increase; And, during the period from when the debtor's expected withdrawal repayment is completed due to the execution of the repayment loan by the investment company to the time of new loan execution by the financial company according to the credit rating increase of the debtor, the first surplus funds and the second surplus funds are transferred to the investment company In consideration of the case of automatic investment, the repayment plan information providing step of providing corrected repayment plan information for the debtor's expected withdrawal; characterized in that it comprises a.