SYSTEM AND METHOD FOR PURCHASING TRADE RECEIVABLES BY USING PAYMENT GUARANTEE AND PROGRAM RECORDING MEDIUM

摘要

The present invention relates to a method for processing trade receivables by payment guarantee and a program recording medium thereof. The method includes the steps of: receiving, by an information receiving means, trade receivables payment guarantee request information including domestic export company customer information, foreign import company customer information, factoring contract information, and export/import contract information for the trade receivables payment guarantee provided by a domestic export company customer making a factoring contract for trade receivables with a foreign import company customer from a terminal; transmitting, by an information transmitting means, the received trade receivables payment guarantee request information to a payment guarantee processing means to request payment guarantee for the trade receivables; determining, by a payment guarantee processing means, whether to provide payment guarantee for the transmitted payment guarantee request on the basis of the foreign import company customer financial information, generating the payment guarantee limit information, and transmitting the generated payment guarantee limit information to a receivables purchase processing means; and automatically depositing, by the receivables purchase processing means, the purchase charge in the domestic export company customer account within the payment guarantee limit by reference to receivables (shipment document) purchase request information including shipment document information and purchase charge amount information provided by the domestic export company customer through a terminal.