AN INTEREST RATE ESTIMATE AND BID SYSTEM

摘要

The present invention relates to an interest rate estimating and bidding system and, more specifically, makes an interest rate estimator of an interest estimating system estimate and present a lending rate proper for a company if the company wanting to be offered assurance inputs a business field, a summary of the company, characteristics like main finance items, and wanted loan goods. The interest rate estimating and bidding system supports more reasonable interest determination by providing an estimated interest rate calculation service customized for the company which uses a loan marketplace and by providing information for a plurality of financial organizations based on the service, presenting the interest rates offered by the financial organizations, and enabling the company to select one among the offered interest rates. The interest rate estimating system can save financial costs of the company by minimizing an error from the interest rate actually applied on the basis of analysis on an interest rate determination system of a bank, automatically reflects variation specifications by a periodic feedback because detailed interest determination elements of the bank can be varied as time passes, and supports application of a lower interest rate by enabling the company to select one among the interest rates offered by multiple financial organizations via a bidding and to negotiate the interest rate with the financial organizations. From the point of view of the company, an interest rate level receivable via the interest rate estimation system can be checked. From the point of view of an assurance organization, a loan brokerage market is activated and efficient financial support is given the company by providing objective estimated interest rates for the company. From the point of view of a financial organization, new customers can be induced based on objective data of public organizations. [Reference numerals] (1) Assurance request;(100) Business terminal;(2) Certificate of assurance issuance;(200) Assurance company server;(300) Interest rate caster (interest rate estimating system);(4) Estimated interest rate;(400) Financial institution server;(5) Certificate-guaranteed loan Bid;(6) Certificate-guaranteed loan Bid result;(7) Loan request;(8) Loan provision;(AA) Registration of information about the certificate and loan;(BB) Brief information about a company