METHOD FOR CONNECTING ELECTRONIC LOAN

摘要

PURPOSE: A method for connecting electronic loan is provided to directly loan at a branch of securities by securing beneficiary certificates or deposits of deposit subscribing customers to the securities through normal connecting service, which connects mutually computers of securities and banks via communication. CONSTITUTION: A method for connecting electronic loan, which uses connecting service between loaning companies and cooperating companies, comprises the steps of: applying a recognizing account number for the loaning companies, by basing a customer's beneficiary certificates account; connecting mutually a loan account, a recognizing account, and card consecutive numbers for enabling payment and account transfer in the loaning/cooperating companies and automatic teller machines; being confirmed whether to supply the beneficiary certificates as security by the cooperating companies, if a customer applies loaning documents to the cooperating companies; transmitting contents for applying loaning document to the loaning companies, when the customer supplies the beneficiary certificates as security; transmitting processed contents on loan to the cooperating companies, after checking loan's properness; receiving loan money to the customer, and registering a connecting account; notifying defaulters, and transmitting bilateral netting number, when interest and capital are repaid to the loaning/cooperating companies.