KR20160074180A - Server providing information of public auction's NPL - Google Patents

Abstract

The present invention relates to a server for providing non performing loan (NPL) analysis information of an article for sale at auction, providing analysis information required for an NPL transaction for the right that the article for sale at auction secures. The server includes: a memory which stores information on an article for sale at auction provided by the court; an analysis table generation module which generates an analysis table based on the information stored in the memory and transmits the analysis table to a client terminal; and an analysis table update module which updates the analysis table based on data when the data is inputted to the analysis table that the client terminal received, and transmits the updated analysis table to the client terminal.

Description

The NPL analysis information providing server of the auction item {server providing information of public auction's NPL}

The present invention relates to an NPL analysis information providing server of an auction item providing analytical information necessary for a transaction of a non-performing loan (NPL) secured by auction item, and more particularly, In the case of NPL, there are many differences in the price calculated according to each transaction method and conditions. In the case of NPL, The present invention relates to an NPL analysis information providing server of an auction item that reduces the risk of unfamiliar NPL transactions and achieves a target return rate by calculating and presenting a target price in detail.

Auction (public auction) is becoming popularized. Now, a new transaction type called bond transaction is increasing rapidly. In this case, the bonds that are mainly traded are non-performing loans that are not recovered smoothly and are usually called 'Non Performing Loan' do.

However, unlike in the case of general real estate transactions, which can be traded after seeing, checking, and verifying, the trading method of the invisible bonds is quite different as follows: It is clear that it is a transaction object requiring attention.

First of all, let's look at a typical transaction of bonds (NPL)

1) A method of collecting the amount of the investment in the purchased bonds after the auction sale by a third party after paying the bond price by purchasing discount or buying the bond which becomes the subject of the auction using cash or a loan Investment method ') and

2) A person purchasing a bond (NPL) can participate in direct bidding at the time of an auction, and after winning a security, re-sells it and realizes return on investment (this is called "inflow method" ),

The inflow method is again

(1) When trading a bond (NPL), a contract is made to acquire the NPL at the negotiated price of the bond with the bond transferor, without making any changes to the creditor before the auction bid (ie, ), When the auction is proceeded, the transferee directly participates in the auction bidding and receives the collateral item, and then the amount of the NPL payment is settled by the initially agreed amount and the security interest of the NPL (ordinary mortgage) ("Debt Acquisition Method"), which collects the investment amount for the purchased NPL by re-selling the winning object, and the additional cost for winning the auction

② When trading a bond (NPL), it is necessary to sign a contract for the sale of a bond, receive cash or a loan before the auction bidding, pay the entire amount of the bond, change the creditor, and if the auction for the object The transaction method in which the bond assignee directly participates in the auction bidding, receives the bid, resells it, and recovers the amount invested in the purchased NPL and the additional cost in winning the auction (referred to as the 'loan sales method' .) Can be divided into.

Therefore, in the case of the inflow method, the constitution is necessarily a transaction method in which the bond transaction process and the auction winning bid process are combined.

However, there are still a lot of general consumers who do not understand how to deal with these bonds (NPL), so many good consumers are disoriented by consulting by crooked consultants, It is even happening that even the most important life is abandoned.

As you can see from the above, depending on the purpose of investing or the way of trading in NPL transactions, the procedures are different from each other, and the cost and cost of the elements are changed accordingly. If you buy a NPL for the purpose of inflow, how much will you have to bid for in the auction bidding before you can buy the bond (NPL)? It is more important that the bid price is higher than the bidding price of many general auction bidders despite the bid limit secured by the buyer, but it is the right price considering the excessive acquisition tax.

NPL is a bond related to auction, and as a conventional technology for providing analysis information to a user who intends to participate in auction, Patent No. 10-0727574 discloses a method of "providing information on analysis of auction / short sale article" There is a tendency to add a partial database to the method provided by the auction information provider and to approach the price calculation process in a more subdivided way. However, this is also a complicated process only. The existing passive system and its driving method are the same system, and the range of data provided is also related to the analysis of general auction items. It does not provide any information about NPL which is the subject of auction have.

1a, b, c and 2a, b, and c are the auction information tables, the right information tables, and the forecast information tables provided by the A auction information company and the B auction information company, The information provided here is also a passive system that shows the information provided by the auction court in a uniform manner and provides uniform information. It is only a manual system in which the client performs the task and corrects the error, It is a system that does not exist at all, but it does not provide analysis information about NPL at all.

As described above, in the prior art, only the objective data of the auction object, which is the object of the bond and the object of the bond (the collateral object) is reflected in the registered patent or the existing auction information company, (NPL) analysis, which is the main subject of the transaction, is not provided at all. Therefore, it is not only that a general consumer who is not an expert should purchase a NPL but has to consult a separate consultant, Even if you buy it, there are too many risks, and it seems that the fraudulent cases of happiness are often happening.

Consequently, there is no prior art directly related to the present invention.

The present invention was devised to solve the problem that there is no place to properly provide analytical information for the NPL, even though the transaction of the NPL, which is the right to be secured by the auction item,

(NPL) such as a mortgage (including a mortgage), which is the subject of the object, prior to the auction bidding of the object, it is necessary to calculate and provide the purchase target price to be purchased in order to achieve the expected rate of return, (NPL) transactions, and to lower the risk of NPL transactions and improve profitability for clients without expertise,

In addition, if anyone evaluates the auction object or the winning bid only reasonably, it can be concluded that the purchasing target according to the desired year-to-year profit rate and the purchase target according to each transaction type in the evaluation of the bond (NPL) In addition, it is necessary to revise the evaluation of the object of the auction or the bid price when it is necessary to revise it at any time, so that the amount calculated according to it can be reflected in the decision, And to provide an NPL analysis information providing server of an auction item which can be stored in its own unique account created by the server, and can be viewed and operated as needed at any time.

To achieve the object, an NPL analysis information providing server of an auction item according to the present invention comprises:

A memory for storing information about auction objects provided by the court;

An analysis table generation module for generating an analysis table based on the information stored in the memory and transmitting the analysis table to the client terminal;

And an analysis table updating module for updating the analysis table based on the data and transmitting the updated analysis table to the client terminal when data is input to the analysis table transmitted from the client terminal,

In the above analysis table

An auction article analysis table including a bid history of the auction article and the emotion amount data,

A rights analysis table summarizing the rights of auction goods,

An estimated dividend distribution table that summarizes the dividend of the winning bid of the auction item,

Based on the auction item analysis table, the right balance sheet and the data of the expected dividend balance table and the data inputted by the client, the buyer purchases the bonds according to the desired return rate of the bonds (hereinafter referred to as "NPL" And an NPL analysis table for presenting a target price.

And,

Further comprising a required funds analysis table which analyzes the required funds at the time of the contract of the NPL and at the time of each auction procedure of the auction item for the collection of the NPL,

The NPL analysis table is characterized in that the NPL transaction method is to present a target purchase price of a bond according to a desired return rate for each of the dividend investment method and the inflow method,

In the NPL analysis table, the inflow method is characterized by presenting a target value of a purchase of a bond according to a desired yield rate for each of the debt acquisition method and the loan sale method as the NPL transaction method.

The NPL analysis information providing server of the auction item according to the present invention having such a configuration according to the present invention is provided with the analysis information on the bond, that is, the NPL, which is the right secured by the auction item, The NPL analysis information of the auction item that can enable the NPL transaction to be negotiated according to the target return rate while lowering the risk to the non-specialist client by calculating and providing the target price to be purchased As a server, it is a very useful invention for the industrial development of bonds (NPL) transactions.

FIG. 1 is an analysis table of auction items provided by a domestic company as a prior art.
FIG. 2 is an analysis table of auction items provided by a domestic company B as a prior art.
3 is a block diagram of an NPL analysis information providing server of an auction item according to the present invention.
4 is an example of an NPL analysis table provided by the present invention.
FIG. 5 is an example of a loan sale method provided by the present invention: an analysis table of required funds at the time of dividend investment.
FIG. 6 is an example of an analysis table of required funds for the post-settlement method such as the debt acquisition method provided by the present invention.
Fig. 7 is a diagram showing an example of an analysis of required funds at the time of entry into the Ron Sale system provided by the present invention; Fig.
8 is an example of an auction item analysis table provided by the present invention.
FIG. 9 is an example of a rights analysis table provided by the present invention; FIG.
10 is an example of an expected dividend distribution table provided by the present invention.

Hereinafter, the NPL analysis information providing server of the auction item according to the present invention will be described in more detail with reference to the drawings.

Before describing the present invention in more detail,

While the present invention has been described in connection with certain exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the invention. It is to be understood, however, that the invention is not intended to be limited to the particular forms disclosed, but on the contrary, is intended to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the invention.

In the drawings, the same reference numerals are used for the same reference numerals, and in particular, the numerals of the tens and the digits of the digits, the digits of the tens, the digits of the digits and the alphabets are the same, Members referred to by reference numerals can be identified as members corresponding to these standards.

In the drawings, the components are expressed by exaggeratingly larger (or thicker) or smaller (or thinner) in size or thickness in consideration of the convenience of understanding, etc. However, It should not be.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. In the present application, the term " comprising " or " consisting of ", or the like, refers to the presence of a feature, a number, a step, an operation, an element, a component, But do not preclude the presence or addition of one or more other features, integers, steps, operations, components, parts, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the contextual meaning of the related art and are to be interpreted as either ideal or overly formal in the sense of the present application Do not.

The NPL analysis information providing server 10 of the auction item according to the present invention is provided on the Internet, and a client who wishes to trade a bond (NPL) can access and use the client after joining as a member.

3, the NPL analysis information providing server 10 of the auction item according to the present invention includes a memory 11, an analysis table generation module 12, an analysis table update module 13, a communication module 14, A module 16, and an account module 15.

The memory 11 stores information on auction items provided by an auction court and information on auction items provided by an operator who operates the server 10 according to the present invention.

The analysis table generation module 12 generates an analysis table based on the information on the auction items stored in the memory 11 and transmits the analysis table to the client terminal.

Here, the client terminal 20 is a terminal used by a client, and includes a PC, a smart phone, and the like that can be connected to the server according to the present invention through the Internet.

In the above analysis table

As shown in FIG. 4, the NPL analysis table analyzing the NPL on the right secured by the auction item,

As shown in FIG. 8, it is possible to provide information such as the identity (eg, photograph, address, area, owner) of the auction item, the bid history (eg, auction cause, bid date) Auction goods analysis table,

As shown in FIG. 9, the rights analysis table which chronologically summarizes the rights (eg, mortgages, foreclosures, lease rights, national tax / local tax, etc.)

As shown in FIG. 10, there is an expected dividend analysis table which summarizes that the auction item is allocated to the rights of the winning bidder at the time of successful bid.

The NPL analysis table is based on the auction item analysis table analyzing the auction item, the right balance sheet analyzing the rights borne by the auction item, and the data of the expected dividend balance table analyzing the dividend of the rights, Are added to produce a more precise NPL analysis table.

In addition to the data on the auction items provided by the court and information on the auction items provided by the server operator,

Menu selection data for allowing a client who intends to participate in a bid of an auction item to select an acquisition purpose (that is, an acquisition purpose) for acquiring an auction item,

Period data relating to the acquisition period of the auction object inputted by the client, procurement fund data on the procurement ratio and the interest rate of the capital charge and the borrowing, inquiry price data on the appraised price of the auction object evaluated by the client, And additional cost data that is in addition to the acquisition of goods.

When the client inputs data into an analysis table (an auction article analysis table or an NPL analysis table) displayed on the client terminal, the analysis table update module 13 updates the analysis table based on the data.

For example, if the acquisition purpose is selected from the menu selection data in the auction item analysis table, and the acquisition period data, the procurement fund data, the additional cost data, and the like are inputted, the auction item analysis table is updated based on this, The price is calculated and updated, and the required period data, the fund procurement data, the expected year return rate, and the like are inputted into the NPL analysis table, and the bond purchase target value is calculated and updated according to each bond transaction type.

The communication module 14 supports data communication between the server according to the present invention and the client terminal 20 connected to the client.

The account module 15 accesses the server according to the present invention and registers as a member, creates a unique account for each of the clients who have paid a predetermined fee (in some cases, free of charge), and the client generates a unique account (NPL) purchase price by calculating the most accurate bid price or bond (NPL) purchase price by accessing the own account from time to time and correcting it if necessary. (NPL) to make the final decision.

For example, the analysis table generation module may generate the auction item analysis table, the right analysis table, and the expected payout analysis table at the initial stage based on the information stored in the memory and store the same in the account module 15. The NPL analysis table may include an auction item analysis table, The right analysis table, and the expected dividend analysis table, the analysis table generation module generates an NPL analysis table based on information such as an auction item analysis table stored in the account module 15 of the client. Therefore, the 'analysis table' generated by the analysis table generation module based on the information stored in the memory includes not only the auction item analysis table, the right analysis table and the expected dividend analysis table which directly use the information of the memory, It will include an NPL analysis table.

The control module 16 controls the server according to the present invention as a whole. For example, when the client accesses the client terminal 20 through the client terminal 20, the client terminal 20 checks whether the client is a member. If payment is required, the client terminal 20 requests payment. When the client terminal 20 requests an analysis table, The analysis table generating module 12 updates the analysis table and transmits the menu selection data, the required period data, the procurement fund data, and the like to the client terminal 20 20, and so on.

Hereinafter, the NPL analysis table and the required funds analysis table provided by the server according to the present invention will be described in more detail with reference to FIG. 4 through FIG.

For reference, the NPL is a bond to the auction item (usually a mortgage) and the return of the bond is made through the auction of the auction item, so the analysis of the NPL is based on the value of the auction item And the expected dividend of the rights of the NPL. However, the main interest of the present invention is the analysis of the NPL to calculate the purchase price target of the bond according to the expected year return rate. The required capital analysis table will be described first.

If the 'NPL' display of the brightness ratio column of the expected payout analysis table 5C in FIG. 10 is selected, the NPL analysis table is displayed on the auction item analysis table (FIG. 7) 9), and the like.

4, at the top of the NPL analysis table, the contents and rank of the lien and the lien of the NPL, and the contact of the creditor are displayed (8A).

Below 8A showing basic information of the NPL, 'BOX I' indicating the basic items of the auction item is placed (8B).

The items to be entered or modified in 'BOX I' of 8B are as follows.

☞ Case Number and Bid Date: The case number and bid date of the analysis of the auction item are displayed in conjunction with the auction item analysis table.

1. Expiration period: Basically, the date of receipt of the event on the auction item list is linked to the billing receipt date, and when the reference date to be analyzed is entered, the period is automatically calculated in the period calculation section of the update module. . If necessary, the client can manually enter the billing date.

2. Expected number of years required:

In the case of the dividend investment method and the inflow method, it is a field to calculate the period required for achieving the objective by the purpose of the investment (NPL). By inputting (applying) It is displayed together with the total expected time period.

     ① Basic period

       Dividend: When purchasing a bond (NPL) for the purpose of dividend investment, the expected period of time required for the return of the investment is basically three months.

       In case of purchase: When purchasing NPL for the purpose of inflow, the expected period of time required from the retirement of the collateral item to the return of the investment by repatriation shall be the period normally required for each type of goods.

     ② Special Extra Expected Period

        Dividend: When purchasing a NPL for dividend investment, the period for which it is expected to take extra time for the object, such as the objection of the debtor other than the basic period expected to be expected and the delay of the creditor, is applied.

       In case of purchasing NPL for the purpose of inflow, it is expected that it will take extra extra time for the object such as lien and special items, except for the expected period of time that is basically expected until the return of the investment by resale from the meridian Shall apply.

     ③ Total estimated time period

       The basic requirement period and the special additional expected period are shown together.

3. Required funding method / interest rate

     ① Bond price rate: When purchasing a bond (NPL), it represents the interest rate to be applied to the procurement method of the bond money and the procurement fund. The ratio of self-funding and borrowing Enter the ratio of the funds and input the interest rate applicable to the self-fund and the interest rate applicable to the borrowing funds in the '2) Applied Year' column of the ① 'Bond Payout' column and the annual interest rate to be applied to the total bond purchase fund is calculated. (Year: 00%) is displayed.

    ② Auction price rate: If you purchase NPL by way of inflow method, you must purchase the bond and participate in the auction bidding. Then you should sell it again and realize the return of investment funds and the return on investment. At this time, The ratio of self-funding and borrowing funds to the ratio of funding to procurement funds, and the ratio of self-funding and borrowing funds to the ratio of funding to procurement fund, If you enter the interest rate applicable to the self-fund and the interest rate applicable to the borrowing funds in the "Application 2) Application" column, the annual interest rate to be applied to the total auction price is calculated and displayed at the top (year: 00%).

4. Appraisal price: The data (3I) on the auction item list are linked and displayed.

5. Full turn: The data (3H) on the auction item list is linked and displayed.

6. Auctions: The data (3H) on the auction item list are linked and displayed.

7. Bidding cost: The data (3R) on the auction item list is linked and displayed.

8. Bidders: The data (3S) on the auction item list are linked and displayed.

         Therefore, the amendment shall be made in the auction item analysis table (3S).

9. Settlement amount: Credits corresponding to '☞ NPL' portion of 5C's lightness column on the expected dividend analysis table (Fig. 9) (except when there are a number of bonds, ) Are displayed in conjunction with each other.

10. Billing bond: The data (3H) on the auction item list is linked and displayed.

11. Principal: The amount calculated from the analytical update module (Figure 6. Expected Dividend Analysis Table) is displayed. If necessary, the client can enter correction or input to the creditor.

(In the case of in-depth analysis of the pre-purchase phase, inquire to the creditor to confirm the accuracy of the analysis, and apply it.)

12. Interest: Billing bond - automatically calculated as principal.

13. Auction cost: The data (5A) on the expected dividend payout table (Fig. 9) is linked and displayed.

14. Presentation method: Enter the transaction method that the bond holder wants to sell. In other words, 'debt acquisition method', 'loan sales method' etc.

15. JSA: Enter the desired price of the bondholder to be sold, at which time the bid price shall indicate whether the senior bond is the condition borne by the transferee or the condition borne by the transferee.

16. Application of difference maintenance: In case of the sale of bonds (NPL), if the amount bidded by the subordinate in the subsequent auction is above the contract amount, If you want to apply this method, enter the amount.

Under 'BOX I' of 8B, which shows the basics of auction items, 'BOX II' of 8C, which shows the basic data necessary for trading NPL by dividend investment method, is placed. The basic data of 8C is necessary not only for dividend investment but also for the analysis of the transaction stage of the bond, So it is called basic data.

8C 'BOX II' to input or edit the following items to input.

1. Confiscation Deposit: When the auction is in progress, it indicates that there is a deposit that has been forfeited by the successful bidder due to the expiration of the balance.

2. Priority: Items to be deducted from the client's purchase of bonds (NPL) during the auction sale, which is collateralized by the court's dividend after the auction sale. 1) Priority payment amount [1] (Article 3 and Article 4 of the Enforcement Decree of the same Act) and Article 14 of the Commercial Building Lease Protection Legislation (Article 6 and Article 7 of the Enforcement Decree of the same Act); (2) Retirement allowance for the last three years under Article 12 of the Act on Retirement Benefit Guarantees, ③ compensation for disaster in accordance with Article 38 of the Labor Standards Act, 2) taxation under Article 35 of the National Tax Basic Law and Article 99 of the Local Taxation Act, and 3) seniority By referring to the dividend, the data of the expected dividend distribution table (FIG. 9) is linked and displayed. Therefore, if you want to modify it, you can modify it in this column or modify it in the expected dividend analysis table (Fig. 9).

3. Delinquency rate: Normally applicable rate of delinquency is displayed. In order to ensure accuracy, contact the creditor and input.

4. Period after billing: It is the expected period from the date when the bondholder first requests for the bond to the final collection at the time of the dividend investment, and the expected period (BOXⅠ / 2) Hour) are displayed together.

5. Additional interest: The amount of interest (BOXⅠ / 12) × overdue interest rate (BOXⅡ / 3) × time required after claim (BOXⅡ / 4) ÷ 12 is calculated as additional interest after claim of NPL .

6. Valuable receivables: The total amount of claims that the creditor can claim to the debtor. The first claim amount (BOX I / 11) + additional interest (BOX II / 5) is calculated and displayed.

7. Effective Bonds: The amount of the mortgage interest (the maximum amount of the bonds / BOX I / 10) and the amount of the effective bonds (BOX II / 6), which have a substantial effect on the object of the auction, The smallest amount is displayed.

8. Remittance: If there is a jointly-collateral item among the collateral items for the bond (NPL), enter it if there is any other item collected.

9. Effective Receivables: Effective receivables (BOX II / 7) - Reclaimed amount (BOX II / 8) are calculated and displayed by referring to the effective receivables not yet recovered from the effective receivables for the receivables (NPL).

10. Dividend Limit: The maximum amount of the dividend from the disposal price when the security for the NPL is auctioned to the final bidder on the auction item list. Auction cost (BOX I / 14) + Confiscation deposit (BOX II / 1) - Senior payout (BOX II / 2) is calculated and calculated.

11. Estimated dividend: If the collateral for the NPL is auctioned to the final bidder on the auction item list, it means the actual dividend from the disposal price, ) And the dividend limit (BOX II / 10) are calculated and input.

12. Expected General Assembly Amount: The expected amount of the general meeting that can be recovered when the collateral for the NPL is auctioned at the auction site, If the creditor is the creditor, the cost of the auction (BOX I / 14 ☞ self-applied) spent by the creditor is calculated and input.

13. Transfer Fees: If you buy a NPL on a loan sale basis, you will first pay the bond price, transfer the mortgage, change the creditor, and proceed with the auction process. In the cost calculation module, it is calculated and displayed by dividing into the case where the transfer is not carried out and the case where the transfer is included.

14. Consulting fee: If you purchase a NPL with separate consulting, you enter the agreed rate at the rate agreed by both parties, and this amount is calculated and displayed.

15. Small Business Expenses: If you want to buy a bond (NPL), enter the amount expected to be spent for round-trip transportation, food and beverage expenses, document issuance costs, etc.

Below 8C's 'BOX II', which shows the basic data required when trading NPL by dividend investment method, 'BOX III' of 8D showing additional data required when trading NPL by inflow method is placed.

The items to be input or modified in 'BOX III' of 8D are as follows.

1. Re-evaluation value (Re-sale price): This is because, if the buyer intends to purchase the NPL by way of the inflow, the bidder will bid on the collateral object and sell it again (3K) on the auction item analysis chart (FIG. 7) is displayed by interlocking the amount determined to be disposable.

2. Acquisition Additional Fees: This is the amount to be borne by the person who purchased the NPL in the inflow method, in addition to the successful bid price upon receipt of the auction.

3. Bid Limit: This refers to the highest price that a person who purchased a NPL as an inflow method can bid without any additional cash outs due to the discount at the time of purchase of the bond, (BOX II / 9) + auction expense (BOX I / 14) - Confiscation deposit (BOX II / 1) + seniority payout (BOX II / 2)

4. Normal bidding cap: This is because the purchaser of the bond (NPL) as an inflow type will not be able to receive the acquisition bid despite the bid limit (that is, the highest price that can be bid without his or her additional cash expenditure) The most effective and appropriate bidders who are able to reduce the acquisition cost while ensuring their own bidding due to overburden of their bidders. In other words, if the normal bidders are the highest bidders, BOXII / 8) + revaluation amount (BOXIII / 1) × appropriate additional application rate (input the appropriate addition rate within the range of 5 ~ 20%) is calculated and displayed.

5. Applicable bidding price: This is the amount to be applied when participating in actual bidding after purchase of the bond (NPL), the smaller amount of bidding limit (BOX III / 3) and normal bidding limit (BOX III / 4).

6. Acquisition tax: The acquisition tax rate on the auction item analysis table is input, and the amount based on the applicable bidding price (BOXIII / 5) is calculated and displayed in the Acquisition Tax Calculation Department.

7. Consulting fee: If you purchase a NPL with separate consulting, you enter the agreed rate at the rate agreed by both parties, and this amount is calculated and displayed.

8. Minor job cost: Enter the amount expected to be spent for the small-sized job charge at the time of entry, that is, the round-trip transportation fee, food and beverage fee, document issuance fee, etc.

※ Bidding Competition Superiority Status: If you buy NPL by way of inflow, it means that you can get a comparative advantage for general auction participant at the time of bidding in the future. Bidding limit (BOXIII / 3) The amount of the cost (BOX I / 8) is calculated and displayed. In other words, this means the possibility of winning the NPL holder.

Below the 8D ('BOX III'), which shows additional data needed when trading NPLs as an inflow method, shows the yearly yields expected by the consumer (ie client) in the NPL investment, Basically, various returns are shown in various cases, but if there is a different expected rate of return that the buyer wishes to achieve, he can directly enter it in the 'Direct Input' column on the right side of 'BOX III. 8E, rightmost).

Below 8E, which shows expected yields for the year, 'BOX IV' of 8F is calculated to calculate and display the target price of the purchase of bonds in the case of trading by dividend investment method.

The process for calculating the purchase target price for the target NPL in the 'BOX IV' column of 8F is as follows.

1. Period Conversion Rate:

The expected rate of return for each dividend is calculated by multiplying the estimated expected return period by the expected expected dividend yield rate for each investment period. And displayed in the column.

2. After subtracting the converted profit rate, the target price:

(BOXⅡ / 12) of the expected dividend payout ratio (BOXⅡ / 12), the purchase target before the inclusion of the profit corresponding to the converted profit rate (BOXIV / 1) /One)]

3. Expiration date interest equivalency:

The interest rate on the input capital corresponding to the expected collection period (BOXⅠ / 3③ / dividend) at the time of dividend investment in the interest calculation department, ie, the target price (BOXIV / 2) ÷ {1+ (BOX Ⅰ / 3 ③ / dividend) ÷ 12 × annual interest rate on bonds (BOXⅠ / 4①)] × × Target interest after deduction of converted rate of return or simple rate method (BOX IV / 2) - Target after interest deduction The value (BOX IV / 4) is calculated and displayed in each column of this row.

4. After deducting the required period and the target value:

(BOX IV / 2) ÷ {1+ Output interest rate [ie, the expected number of months required (BOXⅠ / 3③ / dividend) ÷ 12 × yearly interest rate on bonds (BOXⅠ / 4①)]} or converted yield Target value after deduction (BOX IV / 2) - Equivalent interest period (BOX IV / 3)

5. Other Expenses:

(BOX II / 13) + consulting fee (BOX II / 14) + small business fee (BOX II / 15) for the purchase of bonds (NPL)

6. Other Expenses After deducting the target value: After deducting the required period interest and the target value (BOX IV / 4) - Other Expenses (BOX IV / 5)

7. Loan handling fee:

When a certain amount of pledge loan is received for the purchase of a bond (NPL), a handling fee of a certain percentage required by the lending company is referred to. If the loan handling fee rate is input, the handling fee for the loan portion is calculated and displayed by the handling fee calculation module . (BOX IV / 6) - Normal target price (BOX IV / 8) or [Other target cost after deduction (BOX IV / 6) ÷ (1+ loan ratio × handling fee rate)] × Handling fee rate)

※ Purchase target / 8. Normal target price:

In order to achieve the expected rate of return when purchasing a debt (NPL) for the purpose of dividend investment, the target is calculated as the inverse of the normal target, ie, the target price after other deductions (BOXIV / 6) ÷ (1+ Commission rate) or other After deducting target value (BOX IV / 6) - Loan handling fee (BOX IV / 7)

※ Purchase target / 9. Upper limit price:

When purchasing a NPL for the purpose of dividend investment, the upper limit of the purchase price that can be applied to the maximum extent that does not cause excessive risk even if the buyer gives up some or all of the expected profit, ie, {target price (BOXIV / 8) + [ BOX I / 8) - Bidder (BOX I / 9)]} ≤ Asset Bonds (BOX II / 9)

* That is, the amount calculated in this way must be less than the actual effective yield.

Supplementary bidding / 10. Bond purchase price:

Enter the price at which the real bond (NPL) was purchased in negotiation with the bond holder.

※ Supplemental bid / 11. Bid price:

Even if you buy a NPL for dividend investment, you do not have to give the auction winning bid to the third person who is participating in the bidding entirely, It means the minimum amount that should be applied at the time of the bid to participate in the bid in the meaning that it wants. In other words, {bubble price (BOX I / 8) - [target price (BOX IV / 8) - purchase price of bond (BOX IV /

* That is, the amount thus calculated should be less than the bidding price (BOX I / 8).

Under the 'BOX IV' of 8F, which calculates and displays the purchase price of bonds when trading on a dividend-paying method, 'BOX V' of 8G is calculated to calculate and display the purchase price of the bonds when trading by the inflow method.

The process in which the target price is calculated inversely in each column of 8G's 'BOX V' is as follows.

※ Auction acquisition phase

If you purchase a NPL for the purpose of inflows, you will inevitably have a combination of the bond transaction process and the auction-winning process, from the contract of the bond to the time of the final return of the investment fund. . In order to calculate the purchase price of bonds by inverse method, it is necessary to first analyze the auction process which is a follow-up step, and analyze the order of the buyer's purchase transaction in the order of the preceding step.

Therefore, here is the process of sequentially backtracking the auction process, which is the procedural later stage.

    1. Duration conversion:

         The expected rate of return at the time of inflow is calculated as the expected rate of return at the time of inflow, and the rate of return with the expected rate of return of each column × expected inflow period (at BOXⅠ / 3③ / inflow) ÷ 12 And displayed.

    2. Revaluation after subtracting the converted yield:

         The bidding cost before revaluation (BOXⅢ / 1) at the time of the introduction includes the revenue equivalent to the converted rate (BOX Ⅴ / 1). In other words, the revaluation amount (BOXIII / 1) ÷ [1+ expected return period-converted yield (BOXV / 1)]

    3. Revaluation after subtracting acquisition cost:

         (BOX V / 2) - Additional acquisition cost (BOX III / 2)

    4. Equivalent interest:

         (BOX Ⅴ / 3) ÷ {1+ calculated interest rate (ie, the interest rate for the investment fund corresponding to BOX I / 3 ③ / inflow) Estimated number of months required (BOXⅠ / 3③ / inflow) ÷ 12 × auction price yearly rate (BOXⅠ / 4②)] × × Obtained by calculation rate or simple method Amount of revaluation after subtracting additional cost (BOX V / 3) The target value BOX IV / 5 is calculated and displayed in each column of this row,

    5. After deducting interest, target value:

         (BOX Ⅴ / 3) ÷ {1+ Output interest rate (ie, the expected number of consecutive months (BOX Ⅰ / 3 ③ / inflow) ũ 12 x auction rate (BOX Ⅳ / 2)]} or acquisition (BOX V / 3) - Interest equivalent (BOX IV / 4)

    6. Additional cost for auction:

        (BOXIII / 6), consulting fee (BOXIII / 7) and small business fee (BOXIII / 8), which are additional expenses for the auction after the purchase of the NPL (NPL) 4), and the sum is displayed in this column.

    7. Net bidding cost after additional cost deduction for auction:

When purchasing a debt (NPL) for the purpose of inflow, whether it is a debt acquisition method or a loan sales method, it calculates the net bidding cost, which is the last step in successively reducing the auction phase, ) - Additional cost (BOX V / 6) is calculated and displayed at auction.

※ Bond trading stage

     Debt Acquisition Method

   In the case of NPL transactions, an arrangement is made to acquire the NPL at a negotiated price with the debtor, without changing the creditor prior to the auction bidding (ie, ), When the auction proceeds, the transferee directly participates in the auction bidding, receives the winning bid, and then settles the balance of the NPL with the original amount of commitment and extinguishes the entire amount of the NPL. (NPL), and the additional cost for the auction of the auction. In order to calculate the first purchase target price, it is necessary to sequentially calculate the purchase price according to the inversion method Therefore, the auction acquisition phase, which is the follow-up phase, is analyzed first, and therefore, here, the NPL sales phase, which is the preceding phase, is sequentially calculated It is based.

    8. Small business cost:

       If you want to purchase a bond (NPL), you will enter the small job cost (BOXIII / 8 / ②) expected to be spent for round-trip transportation, food and beverage expenses,

    Target Price /

      'Priority ① Transferor': If the transfer price of the BOX I / 15 above is borne by the transferor, the 'Additional cost of pre-service net bidding cost' (IIIBOX / 7) The amount is calculated and displayed in Iran.

'BOXⅢ / 8 / ②' - 'Priority ② Transferee': If the bid price of the above BOX / 15 is the responsibility of the transferee, 'Additional cost prenatal net bidding cost' (ⅢBOX / 7) The amount of 'seniority' (BOX II / 2) is calculated and displayed in Iran.

Target Price /10.I16 Application:

Limit: 9①≥16: Comparing the amount calculated by the City of 'Priority ① Transferor' with the 'Difference of Conservation Price' (BOX I / 16), if the amount calculated by the City of Priority ① Transferor is large, If the amount calculated by the 'first degree transferor' city is compared with the 'first difference transferor' (BOX I / 16), and the amount calculated by the city of the 'first priority transferor' is small, it means that the investment is inadequate, Are displayed in the respective columns.

Gap (9①-Ⅰ16): This is calculated in order to compare the difference between what is inappropriately invested and the worst case to be tolerated. Amount of output - Amount of 'difference maintenance allowance' (BOX I / 16) is displayed.

However, the reason why we apply the difference-preserving application price is that it is compared with the subordinate who has the highest price among the many general bidders (here, BOX I / 16) In this case, the reason why the first bidder will be a purchaser of the bonds in comparative advantage in calculating the bid price is because the bond recipient can afford to bid on the bond due to the discount scheme of the bond. This is because the price of the second-tier bidder, which is not related to the transaction of the bond at all, is the pure and objective valuation price of the bond, so it is the principle to keep the difference with this price.) At this time, The condition is only an internal matter between the bond transferor and the transferee. The general auction bidders do not consider the burden of seniority at all. And because the bid because it is based on a comparison with the amount should be the same.

   Ron sale method

     The 'Ron sale method' is a system in which a seller of a bond (NPL) enters into a contract for the sale of a bond and then receives cash or a loan before the auction bidding to pay the entire amount of the bond and change the creditor, (NPL) and the additional cost in the auction of the auction is collected. In the case of the first auction, the first bidder receives the winning bid, The buyer is required to make a reverse analysis in order to calculate the purchase target price of the bond. Therefore, this transaction method also has a structure in which the bond transaction process and the auction bidding process are combined, As in the case of the acquisition method, the expected return rate and the cost in the auction process are deducted, and the appropriate bidding cost is calculated. In this paper, we propose a method of calculating the final target price by sequential backtracking of the bond trading process. In this case, the step of acquiring the auction, which is the lagging step, is analyzed first. to be.

   11. Items to be deducted:

         (BOX I / 13) and the senior dividend amount pursuant to the Civil Act and the Civil Execution Act, which should be deducted from the winning bid for the NPL purchased by the buyer during the auction sale, (BOX II / 2) {1) The highest priority payment amount [① The Housing Lease Protection Law Article 8 (Enforcement Decree of the Enforcement Decree of the 3rd and 4th Article) and the Commercial Building Leasing Protection Law Article 14 (6th and 7th Enforcement Decree of the same Act) (2) retirement allowance for the last three years under Article 12 of the Act on the Guarantee of the Employee Retirement Benefit, (3) disaster compensation in accordance with Article 38 of the Labor Standards Act, 2) the Article 35 of the National Tax Act and the local tax (3) the senior dividend amount in the preferred dividend}, and the data of the expected dividend analysis DB (FIG. 6) are linked to the above 8B (BOX I / 13) and 8C (BOX II / 2) And the sum is displayed in this column.

    12. Addition:

          The amount to be added when analyzing the dividend of the bond is included in the auction cost (BOX I / 13 self-application) paid by the creditor, which is allocated as the highest priority in the auction court's dividend, and is included in the dividend of the creditor The confiscation deposit (BOX II / 1) is displayed in this column.

    13. The car is cold:

          Net bidding cost (BOX V / 7) - deduction item (BOX V / 11) + addition item (BOX V / 12) finally calculated at the auction acquisition stage

    14. Interest:

          (BOX Ⅴ / 13) ÷ the interest on the amount of the bonds (NPL) corresponding to the expected period (BOXⅠ / 2 / ③ / dividend) 1 + Output interest rate [ie, the number of months required (BOXⅠ / 2 / ③ / dividend) ÷ 12 * Yield rate of the bond money (BOXⅠ / 3 / ①)]} * Output interest rate BOXV / 13) - The interest target price (BOXV / 15) of the interest is calculated and displayed.

    15. Interest target price:

          (BOX V / 13) ÷ {1+ Output interest rate (ie, the expected number of months required (BOX Ⅰ / 2 / ③ / dividend) ÷ 12 * (BOXV / 13) - interest (BOXV / 14) after interest difference

    16. Other Expenses:

          (BOX / 13) + small business fee (BOXIII / 8 / ② * 2) for the purchase of bonds (NPL)

    17. Miscellaneous Privilege Objective Target Price:

          Interest (BOXV / 15) - Other expenses (BOXV / 16)

    18. Loan Fees:

          When a certain amount of pledge loan is received for the purchase of a bond (NPL), a handling fee of a certain percentage required by the lending company is referred to. If the loan handling fee rate is input, the handling fee for the loan portion is calculated and displayed by the handling fee calculation module . (BOX V / 17) - Purchase Target Price (BOX V / 19) or [Other Pre-Delivery Target Price (BOX V / 17) ÷ (1+ Loan Ratio * Handling Fee Rate)] * Loan Ratio * Treatment Fee Rate)

    19. Purchase Target Price:

When buying a NPL for the purpose of inflow, first calculate the bid price to be applied to achieve the expected return rate at the auction stage, and then calculate the purchase price of the NPL, which can satisfy this condition, (BOXV / 17) ÷ (1+ loan ratio * handling fee rate) or other cost target pre-cost target (BOXV / 17) - loan handling fee (BOXV / 18)

Hereinafter, the required funds analysis table provided in FIG. 5 and FIG. 6 will be described. FIG. 5 is an analysis table of capital required for Ronsay S: dividend investment, FIG. 6 is an analysis of capital expenditure when purchasing the bonds by the post-settlement method such as the debt acquisition method, and FIG.

There are some cases in which NPL trading is negatively impacted by the illusion of high profitability, which is very dangerous. This is because, since there is no direct relationship with an auction when purchasing a bond for the purpose of dividend investment, it can be said that the plan for the required funds at each time point is clear and its importance is somewhat less. However, Care must be taken.

In the case of pledged bonds, which are secured by the secured mortgages purchased, the issuance of a bond crossing agreement is issued from the creditor. (* If the NPL is sold by a savings bank or a capital company, In most cases, it is not issuing a bond crossing agreement due to the momentary lapse of the collateral right in the near future. However, if the bond that is sold is not its own bond, Even if a bond crossing agreement is issued, there will be a huge difference in funding required for each stage of the action, depending on whether the auction court rejects the application for offsetting bonds.

Therefore, in case of NPL purchase, it is necessary to consult with lenders such as savings banks, capital and lenders in advance to prepare a full funding plan and then participate in the purchase and auction of the bonds, It is often the case that we concentrate only on yields and buy bonds with negligible contrasts and later feel embarrassed.

Experts say that even in the case of general consumers, it is not an exaggeration to say that without a consultant's help, the NPL transaction itself is impossible unless you buy the cash in advance. In spite of this fact, the data provided by the auction information providers currently do not provide such data at all, which means that a large number of good general consumers may be confronted with perverted consultants and even be caught up in fraud cases. It is true.

Thus, the present invention provides an expenditure analysis table for establishing a complete required capital plan in advance for each transaction according to the transaction type as follows, and coping with it,

If the client is directly connected to the server and inputs additional data in the NPL analysis table, the NPL analysis table is completed, then the required funds table is selected and then the transaction type is selected. Then, The required funds are calculated and displayed.

First, FIG. 5 shows an analysis table that calculates the required amount of each action point according to the fund procurement method when purchasing a loan (NPL) for the purpose of dividend investment,

When a client purchases a loan (NPL) by way of a loan sale method, it is divided into 1) a case of partial cash + partial loan or 2) a case of full purchase of cash, ① a contract ② a bond balance date ③ auction date ④ meridian (5) The amount of funds to be spent on each date of dividends is calculated and displayed. Most calculation methods are indicated for each item, so the description of calculation methods for each item shall be omitted.

6, an analysis table that calculates the required amount of each action time according to the fund procurement method when purchasing a debt (NPL) by the debt acquisition method or the post-settlement method,

When a client purchases a bond (NPL) by this method, it is divided into 1) a case of partial cash + partial loan and 2) a case of full purchase of cash, and the contract date, auction date, The funds to be spent on each day are calculated and displayed. Most of the calculation methods are indicated for each item, so the description of calculation methods for each item is omitted.

7,

When a client purchases a loan (NPL) by way of a loan sale method, it is divided into 1) partial cash + partial loan and 2) full cash purchase. In case of each bond contract, The amount of funds that will be spent on the meridian balance day and the dividend date will be calculated and displayed. Most of the calculation methods are shown in each section, so the explanation of the calculation method for each item will be omitted.

Hereinafter, with reference to FIG. 8 to FIG. 10, an analysis table provided by the server according to the present invention will be described in more detail with respect to an auction article analysis table, a right analysis table and an expected dividend analysis table.

The auction article analysis table, the right analysis table, and the expected dividend analysis table provide basic data of the NPL analysis table that the present invention ultimately analyzes and provide, so that the client not only tries to purchase the bonds (NPL) It is an analytical chart that can be useful even if you want to participate.

At first, the data of the auction case number, the assistant judicial assistant, and the precaution are displayed (3A), and the type of the auction item (land (3B), and below that, there are displayed data showing the public price of the auction item (official price) and the legal data of the area to which the auction item belongs The public data such as the usage and the peripheral price data for judging the appropriateness of the disclosure price are displayed (3C).

The information in 3A to 3C above is information provided by the auction court and the server operator and is the basic and important information that the client must first identify in order to participate in the auction bidding and is placed above the auction item analysis table.

In FIG. 8, menu selection data (3D) for allowing the client to select an acquisition purpose for acquiring an auction item (3D) is displayed on the left of 3A to 3C, which is basic and important information for participating in the auction bidding, (3E), and on the right side thereof, there is displayed a periodical data for inputting the expected period until the purpose of the acquisition purpose is accomplished after winning the bid, and on the right side, (3F) for inputting the procurement rate of the borrowed money to be borrowed and each applicable interest rate, and on the right side, commercial data for entering the value of the commodity when the acquisition purpose is for rental income is displayed 3G).

In the above 3D to 3G, since the interest cost of the input funds and the cost items to be deducted and the applicable prices may vary depending on the intended purpose and purpose of the auction item, It enables accurate review according to the purpose of use (purpose).

The client selects the auction item to be reviewed in the state of being connected to the server according to the present invention, selects the application to be acquired from the menu selection data (3D), and displays the necessary period, funding rate, If you enter the yearly interest rate for the funds and the applicable commercial value (optional for lease profits), the server's analytical update module 13 calculates 1) the total period of time required, 2) , And 3) the interest amount based on the interest rate is calculated and updated by the analysis table to apply to the 'Equivalent Interest' column ('Equivalent to 4. Interest') below.

In the menu selection data (3D), 'Re-sale (for realizing re-sale profits)' is a menu to be selected when the client acquires the auction item and then sells again to realize the profit,

After selecting '☞ Repatriation' from the menu selection data (3D), select '1. Retrieval Period' from the '1. Basic Duration of Use' column of 'Total Duration of Acquisition Object' BOX (3E) The required period of time until the sale is entered, and the required period of time to be spent in the lightness or the precipitation to be specially added to the object in the column of "2) additional additional required period" is inputted, (1) of the total input funds, and (2) the ratio of the amount of borrowed money to the total amount of funds to be procured in the "Procurement Ratio" column of the " If the annual interest rate to be applied to the self-fund and the annual interest rate to be applied to the borrowing fund are entered in the 'annual interest rate' column, the annual interest rate to be applied to the total required funds according to this condition is calculated as interest It is calculated in the calculation section and is displayed in the "2. Total Required Fund Application Rate" (the top line of 3F).

In the menu selection data (3D), "self-use" is a menu to be selected when the client wishes to acquire the auction item for the purpose of self-use,

In the menu selection data (3D), '☞ Self-use' is selected. In this case, since it is not for sale, '1. If you do not apply the required period and enter the required period to be added to the item such as '2) Additional Duration', the period will be displayed in the 'Total Duration of Acquisition' column, In the 'Procurement Ratio' column of '2. Total Required Funds' BOX (3F), enter ① the ratio of self-funds and ② the amount of funds to be borrowed, If the interest rate and the annual interest rate to be applied to the borrowing funds are input, the annual interest rate to be applied to the total required funds according to this condition is calculated in the interest calculation section of the update module of the analysis table (13) Is displayed on the uppermost line of Fig.

In this case, since the acquisition is for the purpose of self-use, taking into consideration the equity with the city when acquiring ordinary general merchandise rather than an auction (that is, acquiring tax is necessary even if it is acquired by general sale) Acquisition tax is not applied in the calculation process below.

In the menu selection data (3D), 'for rental profit' is a menu to be selected when the client wants to acquire an auction item for rental income,

In the menu selection data (3D), select '☞ Rental Revenue' and select a commercial area, and then select '1. Purchase objective purpose period' BOX (3E) If you enter the required period of time to complete the lease after completion of the auction, and the period of time required to be added to the auction item, The ratio of the self-funding ratio to the amount of the borrowing fund is input in the "Procurement Ratio" column of the "Total Provisioning Fees" BOX (3F) (1) The annual rate to be applied to the self-fund and (2) The annual rate to be applied to the borrowing funds shall be calculated according to this condition. Upper line).

8, on the lower left side of the above 3D to 3G, data on the bid history, that is, the ratio of the debtor and owner of the auction, the auction application creditor, the claim amount, the bid date, the lowest price, The nearby sale statistics for the auction items are displayed (3H).

In FIG. 8, on the right side of the above 3H, the official appraisal price data of the auction item provided by the auction court is evaluated by the appraisal appraiser (3I), and the appraised price (Survey price) data is displayed (3J).

In the auction (including public auction), although the evaluation of the precise value of the auction item is the first and most important element that comes first of all, the fact that the public appraisal price provided by the auction court does not reflect the accurate price The auction information providers that provide data on the basis of these data are basically the same as those provided by the auction courts, and some of the data provided by the auction courts are provided as they are, . Therefore, the client must first correct the price of the auction item, which is the first basic data, at the correct price.

(3J) column on the right side of the emotional price 'BOX (3I)' (3J) in the column of the client The results of this study are as follows. First, we can directly calculate the exact amount of the auction item by inputting the price. Thus, based on this, all items are deducted, so that the final decision can be made by calculating reasonable and scientific bidding cost.

In Figure 8, below the 3J above, additional cost data is displayed (3K), which is in addition to the acquisition of the auction item.

Depending on the auction item, there may be a case where the auction (auction sale) does not require additional cost for the auction, but there are times when extra costs such as surveying cost, brightness cost, demolition cost, repair cost, It is necessary to correct the valuation by deducting it from the valuation.

However, this is a cost that can not be calculated mechanically but can be estimated only by the client's direct on-site verification.

Accordingly, as shown in 3K of FIG. 8, in order to reflect this in the evaluation value, the client accesses the server providing the information of the auction item, and calculates a deduction item examined by the client in the '2. Additional cost' box 3K If input is made, the input items are subtracted from the analysis table update module (13), so that a reasonable and scientific bidding cost can be calculated and final decision can be made.

In FIG. 8, below the above 3K (i.e., 3L), a price obtained by subtracting the additional cost (3K) input in the additional cost data from the price of the inquiry price data (3J) Data is displayed (3L)

In FIG. 8, below the above 3L, the interest cost of the procurement fund and the price data obtained by subtracting the interest cost are displayed (3M, 3N)

 In any case, it will take a certain period of time to acquire an auction object and achieve its purpose, and therefore, interest expense on the input funds will be incurred during this period. If the purpose of acquiring the auction item is for resale, In the case of rental profit, it is necessary to obtain the purpose (purpose) of the auction (auction sale) until the completion of the lease after the acquisition. However, There is no room for the system itself to reflect this.

Therefore, in order to reflect this, in order to reflect this, the consumer selects the acquisition purpose (acquisition purpose) in the above-mentioned 'selection menu' box (3D) while accessing the server providing information of the auction item, If you enter the annual interest rate to be applied according to the procurement ratio and procurement fund, the interest cost is automatically calculated by the interest calculation unit of the analysis table update module 13 and applied to 3M and 3N.

In FIG. 8, under the above 3N, various small business costs such as transportation expenses, food and beverage fees, etc. required for the client to win the auction item and the consulting cost required for consulting are displayed and the price data is subtracted (3O, 3P).

When the client inputs the business cost to the 3O, the analysis table update module 13 calculates the price subtracted from it and displays it on 3P.

In FIG. 8, below the above 3P, the acquisition tax required to acquire the complex is displayed (3Q).

The client enters the 3Q menu and selects the type of the auction. (In practice, when the data of the server operator is input, the type of the object is already selected and the acquisition tax rate is applied accordingly. . Then, the acquisition tax calculation section of the analysis table update module 13 calculates and displays the acquisition tax.

In FIG. 8, below the above 3Q, the bid price calculated by the analysis table update module 13 based on the data directly input by the client in the above, that is, the bid price and the valuation value (3R). ≪ / RTI >

In other words, when the client selects the purpose (purpose) to acquire while connected to the server, and enters the survey price of the auction (auction sale) and the additional cost at the time of winning bid, A reasonable bidding cost after deduction is automatically calculated by the analysis table update module 13 and input and displayed as the 3R bidding cost. The bid price of the 3R is the 'proposed bid price'.

And, unless otherwise noted, the 3R's bid price is displayed as it is applied to the 3S '※ bidders' field below it.

However, at this time, if there is an amount of money that the client wishes to apply at the actual bidding despite the reasonably calculated bidding cost, the client can directly input it into the '※ bidders' field of 3S. Click 'Create bidding table', and the bidding table will be modified and printed with the amount entered by the client.

FIG. 9 is one example of an analysis table provided by the server according to the present invention, and shows an example of a right analysis table in which the rights to be auctioned objects (that is, the rights to receive a dividend from a contract price of an auction article, FIG.

In order to participate in auction (auction sale), comprehensive rights analysis of the auction item is very important factor. However, in the data provided by the existing auction information company according to the prior art, a separate right analysis table is not provided in detail, The contents are displayed on the table and the rights are divided into ① rights of leasing right and registration right, and again right of registering ② right of land registry and ③ right of building registration. It is very inconvenient to grasp easily.

Accordingly, the right analysis table provided by the server according to the present invention shows the registration right (land building) together with the lease right as shown in FIG. 5, The registration rights are compiled and chronologically listed on the basis of the registration date, so that it is easy to grasp the countervailing powers and the overall rights rank (whether they are canceled or acquired) at a glance. At this time, (Eg rights to land / to land, right to building: right to all, right / right). As shown in Fig. 5, it is easy to grasp the division of rights at a glance, and others Separation right analysis function and other ancillary functions are performed to enable a clear and accurate right analysis of the client.

As shown in FIG. 9, the right analysis table provided by the present invention not only grasps the entire right at a glance, but also makes it possible to easily grasp detailed rights by dividing them into rights to land and rights to buildings when necessary.

In other words, if you click '☞ project' in 'Rights category' (4A) of rights analysis and you click '☞ Sat' on the basis of the building, you can see it by subdivision based on land. 'So that the whole rights can be grasped at a glance. At this time, the right to lease the right to be included in the building to be identified.

Also, in order to ensure the accuracy of the rights analysis, the present invention separately installed the 'dividend term' field 4B on the rights analysis table (FIG. 9) to perform the following important and various functions incidentally.

A. Display function of the dividend

As shown in FIG. 9, it is easy to grasp the comparison with the bond which is required to apply for dividend at the time of the subsequent dividend by processing the dividend bell designated by the auction court or public auction institution at the top of the "dividend bell" (4B) Respectively.

B.Dividend application date indication function of the bonds requiring dividend application

The application date of the dividend payment required for the dividend application is shown in each column of this column (4B), so that it can be easily grasped at a glance whether the dividend will be paid in comparison with the above dividend payment date.

C. Other auxiliary functions

① As shown in Figure 9, if the right type is ownership, record the cause of acquiring ownership, such as' ☜ ',' ☜ ',' Inheritance ',' Bestowed ',' To make reference to the historical identification of ownership.

② As shown in Fig. 9, if the type of rights is a mortgage, if a mortgage is set twice for the purpose of adding collateral for the same bond (for example, after setting a mortgage on land only, ). In the calculation of the total amount of the total bonds, the amount of the bonds in this part is excluded, thereby preventing the two-way transaction. Also, in the calculation of the total amount of the total bonds, Of the total amount of bonds.

Therefore, when calculating the total amount, the sum of "Credits" (4F) in the right analysis table and "Credits" in the expected dividend analysis table are displayed in the sum (5H) and the sum of the " (Excluding) the amount of the bond amount.

The right analysis table of FIG. 9 according to the present invention supports the following other functions.

A. Classification of Lease Tickets

As shown in FIG. 9, in the case of the lease right among the right type, unlike the classification method which is generally classified by the existing auction information companies, it is displayed separately in the housing lease and the commercial lease easily and in detail, It is also possible to make it easy to grasp the right relationship at a glance by displaying the contents of the survey (housing / current or commercial / status) and the tenant's right declaration contents (housing / report or shopping / report) At the same time, it became very detailed.

B. Display of lease deposit and monthly display function

In the case of the lessee, it is easier to grasp the comparison of the right amount at the same time by marking the lease deposit in the receivable amount column, and besides the 'monthly chime' column beside it, it is possible to grasp the current monthly difference, .

C. The scope of the small deposit for the first priority reimbursement and the display function of the highest reimbursement amount (top 4C)

As shown in FIG. 9, the scope of the small deposit for the top priority reimbursement in the Housing Lease Protection Act (Articles 3 and 4 of the Enforcement Decree of the same Act) and the top priority reimbursement amount on the Commercial Building Lease Protection Act (Articles 6 and 7 of the Enforcement Decree of the Act) (The top of 4C), it is easy to distinguish between the status of the tenant applying for the right and the availability of a small deposit to be paid first.

D. Other lease and register contents (under column 4C)

'Other Lease Details' column, and record the date of the bookkeeping registration and other details in the contents of the lease right (lake, area, lease period, etc.) and registration rights in each column under column 4C, At a glance.

(E) Classification function of small number of tenants subject to priority payment (4E)

This is the indication function of the small tenant for the highest priority reimbursement by Article 8 of the Housing Lease Protection Act (Articles 3 and 4 of the Enforcement Decree of the same Act), Article 14 of the Commercial Building Leasing Protection Act Article 14 (Enforcement Decree of the Enforcement Decree of the Act) 5, if the lease is a home lease, it is required to declare the transfer before the start date of the auction and to pay the lessee's deposit in the end of the dividend, (4E) in front of the claim amount in the application form (for example, "Small / 00,000"), so that it is easy to see at a glance that the tenant is the small-to-

In the case of commercial lease, the amount of the deposit (recorded in the amount of credits + 'monthly chime' × 100) among the tenants who made the registration of the business before the auction start registration date and applied for dividends within the end of the dividend, (4E) in front of the claim amount in the "Credits" column (eg, "Small / 00,000") if the tenant is a small-to-be-paid tenant so that the tenant can easily see at a glance that the tenant is the small- Very convenient.

F. The color processing function of the erasure right transfer right (FIGS. 9 and 10)

The right of transferring the erasure right except for the right of ownership in FIG. 9 was color-coded and made it easier to see at first sight the rights of the seniority with argument or countervailing power.

This means that even if the right to exercise the right of deletion is located after the right of deletion on the dividend analysis table by listing the rights according to the dividend ranking (registration date and fixed date) at the time of preparing the expected dividend schedule, This is a very important and easy function that is easy to grasp.

G. Display the final processing history of rights (column 4D)

The summary of expected final disposition of each right is summarized as "erase criterion", "erase", "dividend ==>erase","argument","someargument","inquirydemand"

FIG. 10 is an example of an analysis table provided by the server according to the present invention, showing an example of an expected dividend distribution table in which the dividend amounts of rights to receive dividends from the winning bid of an auction article are summarized.

In the auction (auction) bidding analysis, the dividend analysis work is a very important task to judge how much the winning bidder will take out and how much the bond will be destroyed, In the expected dividend pays that are provided, only the results are displayed, so that the general consumer of the mass public can not know the reason and precisely the process of the dividend work.

Accordingly, in order to perform such an important task, the present invention is not limited to various dividend analysis according to application of a variety of winning prices as shown in FIG. 9, but is distinguished from the conventional static method, It is easy to grasp the estimated amount of loss of light resistance of grasping the annihilation amount and the amount of acquisition and the right of annihilation.

The following is a summary of the functions provided by the expected dividend distribution table of the present invention shown in FIG.

1) Various dividend analysis function by revising bid price (bidders)

This is because some existing auction information companies are provided only for the purpose of dividend analysis. It is not possible to accurately predict how much the auction item will be awarded until the final bid for the auction (public auction) bid. In order to perform various dividend analysis by applying a predetermined expected bid price to various criteria, if the modified bid price (bidding price) is inputted into 5A or 3S ('bidders' in FIG. 8) Therefore, it is possible to imagine the winning bid price in a very wide variety of cases, thereby enabling various kinds of payout review.

2) Distribution of dividend value to land and building

As shown in FIG. 10A, when the expected dividend value obtained by subtracting the auction cost, etc. is automatically distributed to the appraisal value ratio of the land and building, and the dividend analysis is performed to distinguish the entire case from the land and building, As shown in Fig.

3) Comprehensive dividend analysis and split dividend analysis function

This is the same function as in the right analysis table. As shown in 5B of FIG. 10, it is possible to grasp the entire dividend history at a glance, and to easily grasp the dividend to land and building, respectively.

In other words, if you click on '☞ project' in the 'type of right' column (5B), you can click on '☞ Sat' on the basis of the building and you can see the details of the dividend on the basis of land. To see the total dividend history at a glance.

4) The ability to display the scope of the small deposit for the highest priority reimbursement and the amount of the highest priority liquidation

As in the right analysis table, the scope and priority of the small deposit for the highest priority payment on the Housing Lease Protection Act (Articles 3 and 4 of the Enforcement Decree of the Housing Lease Protection Act) and the Commercial Lease Protection Act (Articles 6 and 7 of the Enforcement Decree of the Commercial Building Lease Protection Act) The reimbursement amount is displayed at the top of various dividend analysis of 5C ('Priority / SightFirst', 'Adjustment', 'Extraction', 'Extinction', 'Mysterious Expense?') To compare the position of the tenant applying for the first deposit, Making it easier to make the highest dividend payout.

5) Organizing function of main registration date and confirmed date (5D)

In the 5D column, all rights are sorted and arranged in the order of application of the right of first priority. By arranging them in the order of establishment in comparison with the date of registration of the right of registration and the fixed date of the tenant, It was easy to grasp.

Also, at this time, the right of frontal rights analysis, the right to transfer the right of reference, is clearly colored, so that even if the right of transferring the right of deletion is located on the subordinate position of the order of allocation of this column, I made it very convenient so that I can easily grasp at a glance without missing priority rights.

6) The arrangement function of the dividend term column (5E)

As shown in the right analysis table of FIG. 9, the date of the dividend application of the bond that requires a strict and clear coloring of the dividend designated by the auction court at the top of the "dividend ending" We have made it easier to compare the dividend payout ratio and the dividend payout ratio at a glance.

7) Accurate dividend analysis function (5th floor '☞ Top priority ☞ The sea tax' and 5th floor 'Priority / Ahnbun' 'Adjustment', 'Amount of money', 'Destruction'

This function is a function that is not provided at all by other auction information companies. It is divided by the order of performing work of dividing work as below, so that general consumer of general public can pay attention to the process of dividing work dynamically and dynamically This makes it possible to grasp the accurate dividend analysis and grasp the amount of the acquisition, as well as to easily grasp the expected brightness ratio of the brightness resistance of the right to be annulled at a glance.

(A) Dividend payment for the highest amount of repayment for small lease deposits

As shown in FIG. 10, a small number of tenants (ie, "Credits" in the column of "Credits") are indicated with a "/" before the beginning of the auction, (Article 3 and Article 4 of the Enforcement Decree of the Housing Loan Act) and Article 14 of the Commercial Building Lease Protection Act (Article 6 and Article 7 of the Enforcement Decree of the same Act). Respectively.

(B) Other top priority liquidation and taxation functions and dividend functions (under the heading 'Types of rights')

This feature is a feature that other auction information companies do not offer at all. It is a function that subtracts first priority redeemable bonds except for lease, according to the related laws,

In the 'top priority' (wages / retirement wages for the last 3 months) placed at the bottom end of the table of estimated dividend payout (5G), the wages for the last three months and the retirement allowance (38 trillion won based on labor standards and 12 trillion won for workers' retirement benefits) (2) the "first priority" (disaster compensation money), the function of subtracting the tax (Article 35 of the National Tax Basic Act, Article 99 of the Local Tax Act), without knowing the details of the right to be given first priority other than lease, I made it easy.

C. First, the reimbursement function of the subject to be reimbursed (the "priority / refinement" of 5C)

In the case where there is a right to imprisonment, the remaining amount of the remuneration, regardless of the type of rights, is divided into the amount of each bond After allocation, the right and tax receivables absorb deficiency from subordination.

D. The dividend adjustment function according to each individual law ("Adjustment after 5C")

In the event that there is a conflict between the dividend and the legal provisions, for example,

In the case of a dividend with a collateral right and a combination of wage bonds, taxes and dues, the dividend is distributed to the dividend of the bond subject to the redemption before the procedure, and thereafter, (Circulation dividend). In such a case, the dividend adjustment module (dividend adjustment) is applied and the dividend of all creditors is finally finalized.

E. Estimated brightness calculation function ('Brightness?'

It is a function to calculate the expected brightness ratio of occupants of auction (auction) goods in the calculation module of brightness ratio, calculate the amount by applying @ 30,000 to each occupied area (㎡), and then, to the tenant Is the function to calculate the expected brightness ratio by applying the ratio of disappearing of the amount of credits (amount of loss / amount of credits). At this time, the unit cost per unit area can be adjusted if necessary.

While the present invention has been described with reference to the accompanying drawings, it is to be understood that the present invention is not limited to the details of the foregoing and may be modified and altered by those skilled in the art. And should be construed as falling within the scope of protection of the invention.

10: Server
11: Memory 12: Analysis Table Generation Module
13: Analysis table update module 14: Communication module
15: Account Module 16: Control Module
20:

Claims (4)

A memory for storing information about auction objects provided by the court;
An analysis table generation module for generating an analysis table based on the information stored in the memory and transmitting the analysis table to the client terminal;
And an analysis table updating module for updating the analysis table based on the data and transmitting the updated analysis table to the client terminal when data is input to the analysis table transmitted from the client terminal,

In the above analysis table
An auction article analysis table including a bid history of the auction article and the emotion amount data,
A rights analysis table summarizing the rights of auction goods,
An estimated dividend distribution table that summarizes the dividend of the winning bid of the auction item,
Based on the auction item analysis table, the right balance sheet and the data of the expected dividend balance table and the data inputted by the client, the buyer purchases the bonds according to the desired return rate of the bonds (hereinafter referred to as "NPL" And an NPL analysis table for presenting a target price. The method according to claim 1,
The analysis table
Further comprising a required funds analysis table for analyzing the required funds at the time of the contract of the NPL and at the time of each auction procedure of the auction item for the collection of the NPL. 3. The method according to claim 1 or 2,
Wherein the NPL analysis table presents a target value of a purchase of a bond according to a desired return rate for each of a dividend investment method and an inflow method as a transaction method of the NPL. The method of claim 3,
Wherein the NPL analysis table provides the NPL analysis information providing server of the auction item according to the desired return rate for the debt acquisition method and the loan sale method as the NPL transaction method.

Images