System and Method for Policy Loan Management

摘要

The present invention relates to a policy fund loan management system and method, the method according to the present invention is a step of issuing a loan recommendation for a loan for a policy fund applied by a borrower terminal from a contract institution server, and issuing information of a loan recommendation from the agreement institution server The step of generating block data containing and storing it in the distributed ledger of the blockchain network, the financial institution system checks and checks the loan recommendation information for borrowers who applied for policy fund loans from the distributed ledger, and applies it to the policy fund loan application. It includes the steps of approving, and requesting the borrowing of policy funds corresponding to the approved policy fund loan from the financial institution system, and depositing the requested policy funds from the agreement institution server to the financial institution. According to the present invention, since the policy fund loan management is made on a blockchain basis, the loan period is long, and due to the nature of the policy fund loan in which the redemption is made, there is an advantage of systematic management even after handling. In addition, it is easy to manage documents, such as submitting, transferring, and storing documents for policy loans. In addition, multiple entities, such as financial institutions and contract institutions, such as whether or not to maintain the qualification requirements for the borrower's support and whether to use it for the purpose of funding, etc., have the advantage of minimizing loan risks.