INSURANCE MORTGAGE CREDIT FINANCE PLATFORM SYSTEM FOR LOCAL CURRENCY USER

摘要

The present invention relates to an insurance-secured credit finance platform system for local currency users. More specifically, all insurance subscription information of users using local currency is checked through each insurance company, and based on the confirmed user's insurance subscription information, In connection with the credit information agency, the user's credit rating is inquired, and the user's current loan status and delinquency status information is investigated through the Financial Supervisory Service and the Korea Credit Information Service, and then the loanable amount and loanable interest rate are calculated to provide expected loan details. , setting of insurance collateral related to loan application, and local currency users who facilitate loans to users using local currency by intermediarying P2P loans when the loan amount that meets the application is insufficient after the user applies for a loan It is about the target insurance collateralized credit finance platform system. On this, the present invention provides an insurance information collection module for collecting insurance information for at least any one or more of a list of financial information and inquiry by category according to a plurality of insurance companies, and based on the insurance information received from the insurance information collection module. Includes an insurance loan calculation module for calculating individual interest rates measured according to a plurality of insurance companies as loan information of at least any one of interest rate, amount, and interest for one loan case, and a collateral setting module with insurance products as collateral a loan platform server, and the insurance loan calculation module checks at least one of insurance details inquiry, cancellation refund, loan status, delinquency status, and insurance subscription information of the user terminal, and transmits user information to the loan platform server A user terminal for applying for a loan and inquiring the expected loan contents corresponding to the application, and brokering a P2P loan when the loan amount corresponding to the application is insufficient after the user terminal applies for a loan based on the insurance information It is characterized in that it comprises a crowdfunding server for, and an expert terminal for receiving the user information, confirming the loan application, and then matching each other to consult a loan.