TWI682344B - Post-loan management system for housing loans - Google Patents

Post-loan management system for housing loans Download PDF

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TWI682344B
TWI682344B TW107110664A TW107110664A TWI682344B TW I682344 B TWI682344 B TW I682344B TW 107110664 A TW107110664 A TW 107110664A TW 107110664 A TW107110664 A TW 107110664A TW I682344 B TWI682344 B TW I682344B
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server
risk value
house
mortgage
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TW201942845A (en
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陳信助
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兆豐國際商業銀行股份有限公司
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Abstract

A post-loan management system for housing loans is provided. The system includes a first server and a second server coupled to the first server. The first server receives a credit contract, wherein the credit contract includes an identity verification code. The first server transmits a credit information request including the identity verification code to the second server in a predetermined time interval, and the second server transmits a credit information to the first server. The first server calculates a new risk value corresponding to the credit information request and the identity verification code, and determines whether the new risk value is greater than an old risk value, wherein the first server calculates the new rick value according to an actual price registration of a house. If the new rick value is greater than the old risk value, the first server generates an abnormal message.

Description

房貸戶之貸後管理系統Post-loan management system for mortgage loans

本發明是有關於一種房貸戶之貸後管理系統，且特別是有關於一種能夠週期性地自動檢查借戶風險值並當產生異常狀況時自動凍結借戶資產的房貸戶之貸後管理系統。The present invention relates to a post-loan management system for a mortgage loan, and in particular to a post-loan management system for a mortgage loan that can automatically check the borrower's risk value periodically and automatically freeze the borrower's assets when an abnormal condition occurs.

一般來說，當個人向銀行申請房貸後，除非當事人還不起期付金，銀行才能得知會有逾期放款的狀況產生。目前的銀行並沒有一個貸後管理機制能即時判斷借戶的風險狀態，而產生相當多的呆帳。因此，如何建立一個完善的房貸戶之貸後管理機制是本領域技術人員應致力的目標。Generally speaking, when an individual applies for a mortgage with a bank, the bank will only know that there will be overdue loans unless the parties can’t pay the loan. Current banks do not have a post-loan management mechanism that can immediately determine the risk status of borrowers, which generates a lot of bad debts. Therefore, how to establish a perfect post-loan management mechanism for housing loan customers is the goal that those skilled in the art should devote themselves to.

有鑑於此，本發明提供一種房貸戶之貸後管理系統，提供銀行建立一個完善的貸後管理機制，能夠即時判斷借戶的風險值而做出更好的貸後控管。In view of this, the present invention provides a post-loan management system for mortgage loans, and provides banks with a complete post-loan management mechanism that can instantly determine the risk value of the borrower and make better post-loan control.

本發明提出一種房貸戶之貸後管理系統，包括第一伺服器及耦接到第一伺服器的第二伺服器。第一伺服器接收授信合約，其中授信合約包括身分識別碼。第一伺服器在預定時間間隔發送包括身分識別碼的信用資訊請求到第二伺服器，且第二伺服器傳送信用資訊到第一伺服器。第一伺服器計算對應信用資訊及身分識別碼的新風險值，並判斷新風險值是否大於舊風險值，其中第一伺服器根據房屋的實價登錄計算新風險值。若新風險值大於舊風險值，則第一伺服器產生異常訊息。The present invention provides a post-loan management system for a home loan account, which includes a first server and a second server coupled to the first server. The first server receives a credit contract, where the credit contract includes an identity code. The first server sends a credit information request including an identification code to the second server at a predetermined time interval, and the second server transmits the credit information to the first server. The first server calculates the new risk value corresponding to the credit information and the identity code, and judges whether the new risk value is greater than the old risk value. The first server calculates the new risk value based on the real value of the house. If the new risk value is greater than the old risk value, the first server generates an abnormal message.

在本發明的一實施例中，上述第一伺服器尋找與房屋的位置的距離在預定距離內的多個參考房屋並計算參考房屋的距離分數、買賣時間分數及屋齡差距分數的加總分數，並將參考房屋中具有最高的加總分數的參考房屋的實價登錄設定為房屋的實價登錄。In an embodiment of the present invention, the above-mentioned first server finds a plurality of reference houses within a predetermined distance from the location of the house and calculates the sum score of the distance score of the reference house, the sale time score and the age gap score , And set the real value registration of the reference house with the highest total score among the reference houses as the real value registration of the house.

在本發明的一實施例中，上述參考房屋與房屋的距離與距離分數成反比，參考房屋距離當前時間的登錄買賣時間間隔與買賣時間分數成反比，參考房屋與房屋的屋齡差距與屋齡差距分數成反比。In an embodiment of the present invention, the distance between the reference house and the house is inversely proportional to the distance score, the login and sale time interval between the reference house and the current time is inversely proportional to the sale time score, and the age difference between the house and the house The gap score is inversely proportional.

在本發明的一實施例中，當第一伺服器接收到異常訊息時，第一伺服器凍結對應身分識別碼的借戶存款及***額度。In an embodiment of the present invention, when the first server receives the abnormal message, the first server freezes the debit deposit and credit card quota corresponding to the identity code.

在本發明的一實施例中，上述預定時間間隔是以一天為單位。In an embodiment of the invention, the predetermined time interval is a unit of one day.

在本發明的一實施例中，上述舊風險值為在預定時間間隔之前，第一伺服器最後一次計算對應身分識別碼的風險值。In an embodiment of the present invention, the old risk value is the risk value corresponding to the identification code for the last time calculated by the first server before the predetermined time interval.

在本發明的一實施例中，上述第一伺服器根據房貸餘額、每月薪資、存款平均餘額、理財餘額及股票現值及對應的多個加權數值計算風險值。In an embodiment of the present invention, the first server calculates the risk value based on the mortgage balance, monthly salary, average deposit balance, financial balance, stock present value, and corresponding multiple weighted values.

在本發明的一實施例中，上述新風險值為房貸餘額乘以房貸餘額權數，扣除每月薪資乘以每月薪資權數，扣除存款平均餘額乘以存款平均餘額權數，扣除理財餘額乘以理財餘額權數，並扣除股票現值乘以股票現值權數。In an embodiment of the invention, the new risk value is the mortgage balance multiplied by the mortgage balance weight, the monthly salary multiplied by the monthly salary weight, the average deposit balance multiplied by the average deposit weight, and the financial balance multiplied by the wealth management Balance weight, and deduct the current value of the stock times the current value of the stock.

在本發明的一實施例中，上述房貸餘額權數及存款平均餘額權數為百分之一百。In an embodiment of the invention, the weight balance of the mortgage and the average balance weight of the deposit are 100%.

在本發明的一實施例中，上述第一伺服器根據房貸餘額、每月薪資、存款平均餘額、理財餘額及股票現值計算舊風險值。In an embodiment of the present invention, the first server calculates the old risk value based on the mortgage balance, monthly salary, average deposit balance, financial balance, and stock present value.

基於上述，本發明的房貸戶之貸後管理系統可在第一伺服器(例如，銀行伺服器)接收到授信合約之後每隔一段固定時間發送借戶的信用資訊請求到第二伺服器(例如，聯合信用徵信中心及票據中心伺服器)且第二伺服器回傳信用資訊到第一伺服器。第一伺服器會根據借戶的身分識別碼查訊借戶的信用狀況並根據借戶的信用狀況計算一個風險值。當計算出的風險值大於上次計算出的風險值時，第一伺服器會產生異常訊息。當第一伺服器產生異常訊息後，即可自動凍結借戶的借戶存款及***額度。因此，透過週期性地自動計算借戶的信用風險值，可提供一個更完善的房貸戶之貸後管理機制。此外，第一伺服器還可根據貸款房屋的位置，利用距離、買賣時間及屋齡差距等資訊自動產生準確的實價登錄數據，並將實價登錄數據應用於風險值的控管，以達到更精確的房貸戶之貸後管理。Based on the above, the post-loan management system of the mortgage loaner of the present invention can send the credit information request of the borrower to the second server (for example, at a fixed period of time after the first server (for example, the bank server) receives the credit contract , United Credit Information Center and Bill Center Server) and the second server returns credit information to the first server. The first server will check the borrower's credit status based on the borrower's identity code and calculate a risk value based on the borrower's credit status. When the calculated risk value is greater than the last calculated risk value, the first server will generate an abnormal message. When the first server generates an abnormal message, it can automatically freeze the deposit and credit card limit of the borrower. Therefore, by periodically and automatically calculating the credit risk value of the borrower, a more perfect post-loan management mechanism for the mortgage loaner can be provided. In addition, the first server can automatically generate accurate real-value registration data based on the location of the loaned house, using information such as distance, sale time, and age gap, and apply the real-value registration data to the control of risk values to achieve More accurate post-loan management of mortgage loans.

為讓本發明的上述特徵和優點能更明顯易懂，下文特舉實施例，並配合所附圖式作詳細說明如下。In order to make the above-mentioned features and advantages of the present invention more obvious and understandable, the embodiments are specifically described below in conjunction with the accompanying drawings for detailed description as follows.

圖1根據本發明一實施例的房貸戶之貸後管理系統的方塊圖。FIG. 1 is a block diagram of a post-loan management system for a house loan accountant according to an embodiment of the invention.

請參照圖1，本發明的房貸戶之貸後管理系統100包括第一伺服器110及第二伺服器120。第二伺服器120耦接到第一伺服器110。第一伺服器110例如是銀行伺服器。第二伺服器120例如是聯合信用徵信中心及票據中心伺服器。第一伺服器110可儲存借戶的授信合約及借戶基本資料。第二伺服器120可儲存借戶的信用資訊。第一伺服器110及第二伺服器120都可包括通訊單元(未繪示於圖中)、儲存單元(未繪示於圖中)及處理單元(未繪示於圖中)。Referring to FIG. 1, the post-loan management system 100 of the mortgage loaner of the present invention includes a first server 110 and a second server 120. The second server 120 is coupled to the first server 110. The first server 110 is, for example, a bank server. The second server 120 is, for example, a joint credit reference center and bill center server. The first server 110 can store the credit agreement of the borrower and the basic information of the borrower. The second server 120 can store the credit information of the borrower. Both the first server 110 and the second server 120 may include a communication unit (not shown in the figure), a storage unit (not shown in the figure), and a processing unit (not shown in the figure).

通訊單元是以通訊晶片進行實作，通訊晶片可為支援全球行動通信(Global System for Mobile communication, GSM)、個人手持式電話系統(Personal Handy-phone System, PHS)、碼多重擷取(Code Division Multiple Access, CDMA)系統、寬頻碼分多址(Wideband Code Division Multiple Access, WCDMA)系統、長期演進(Long Term Evolution, LTE)系統、全球互通微波存取(Worldwide interoperability for Microwave Access, WiMAX)系統、無線保真(Wireless Fidelity, Wi-Fi)系統或藍牙的信號傳輸的元件。The communication unit is implemented by a communication chip, which can be used to support Global System for Mobile communication (GSM), Personal Handy-phone System (PHS), and Code Division (Code Division) Multiple Access (CDMA) system, Wideband Code Division Multiple Access (WCDMA) system, Long Term Evolution (LTE) system, Worldwide Interoperability for Microwave Access (WiMAX) system, Wireless fidelity (Wireless Fidelity, Wi-Fi) system or Bluetooth signal transmission components.

儲存單元可以是任何型態的固定或可移動隨機存取記憶體(Random Access Memory，RAM)、唯讀記憶體(Read-Only Memory，ROM)、快閃記憶體(flash memory)、硬碟(Hard Disk Drive，HDD)、固態硬碟(Solid State Drive，SSD)或類似元件或上述元件的組合。The storage unit can be any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory (flash memory), hard disk ( Hard Disk Drive (HDD), Solid State Drive (SSD) or similar components or a combination of the above components.

處理單元可以是中央處理單元(Central Processing Unit，CPU)，或是其他可程式化之一般用途或特殊用途的微處理器(Microprocessor)、數位信號處理器(Digital Signal Processor，DSP)、可程式化控制器、特殊應用積體電路(Application Specific Integrated Circuit，ASIC)或其他類似元件或上述元件的組合，本揭露不限於此。The processing unit can be a central processing unit (Central Processing Unit, CPU), or other programmable general-purpose or special-purpose microprocessor (Microprocessor), digital signal processor (Digital Signal Processor, DSP), programmable The controller, the application specific integrated circuit (ASIC) or other similar components or the combination of the above components are not limited to this disclosure.

圖2根據本發明一實施例的應用房貸戶之於貸後管理系統的方法的流程圖。FIG. 2 is a flowchart of a method for applying a mortgage loan system to a post-loan management system according to an embodiment of the present invention.

在步驟S201中，第一伺服器110接收授信合約，其中授信合約包括身分識別碼。具體來說，當房貸借戶與銀行簽定授信合約後，授信合約會被儲存在第一伺服器110中。授信合約包括借戶的身分識別碼(例如，身分證字號)、借戶的其他基本資料及合約內容。In step S201, the first server 110 receives a credit contract, where the credit contract includes an identification code. Specifically, after the mortgage loan borrower signs a credit contract with the bank, the credit contract will be stored in the first server 110. The credit contract includes the borrower's identity code (for example, the ID number), other basic information of the borrower and the contract content.

在步驟S202中，第一伺服器110在預定時間間隔發送包括身分識別碼的信用資訊請求到第二伺服器120，且第二伺服器120傳送信用資訊到第一伺服器110。具體來說，第一伺服器110會在每個預定時間間隔發送借戶的信用資訊請求到第二伺服器120。預定時間間隔是以一天為一個基本單位。在一實施例中，預定時間間隔可為半年。也就是說，第一伺服器110每半年會自動向第二伺服器120發送借戶的信用資訊請求以取得借戶的信用資訊。In step S202, the first server 110 sends a credit information request including an identification code to the second server 120 at a predetermined time interval, and the second server 120 transmits the credit information to the first server 110. Specifically, the first server 110 sends the credit information request of the borrower to the second server 120 at every predetermined time interval. The predetermined time interval is based on one day as a basic unit. In one embodiment, the predetermined time interval may be six months. In other words, the first server 110 automatically sends the borrower's credit information request to the second server 120 every six months to obtain the borrower's credit information.

在步驟S203中，第一伺服器110計算對應信用資訊及身分識別碼的新風險值，並判斷該風險值是否大於舊風險值，其中第一伺服器110根據房屋的實價登錄計算新風險值。具體來說，第一伺服器110會將房貸餘額、借戶薪資、存款、理財、各項投資及實價登錄賦予權數後計算風險值。舉例來說，陳先生的房屋30坪，房貸餘額1200萬，每月薪資10萬，存款平均餘額50萬，基金餘額80萬，股票現值100萬，房屋附近的實價登錄30萬。此外，陳先生的房貸權數100%，借戶薪資權數20%，存款權數100%，理財餘額權數80%，無融資股票淨值權數70%，房屋附近的實價登錄權數60%。則第一伺服器110會計算陳先生的風險值為1200*100%-10*20%-50*100%-80*80%-100*70%-30*30*60%=474(萬)。第一伺服器110還會判斷此時的474萬風險值是否大於陳先生在預定時間間隔(例如，半年前)的風險值。In step S203, the first server 110 calculates a new risk value corresponding to the credit information and identity code, and determines whether the risk value is greater than the old risk value, wherein the first server 110 calculates the new risk value based on the real value of the house. . Specifically, the first server 110 assigns weights to the balance of the mortgage, the salary of the borrower, deposits, wealth management, various investments, and real-value registration, and calculates the risk value. For example, Mr. Chen's house is 30 pings, the mortgage balance is 12 million, the monthly salary is 100,000, the average balance of deposits is 500,000, the balance of the fund is 800,000, the current value of the stock is 1 million, and the real price near the house is 300,000. In addition, Mr. Chen’s mortgage rights are 100%, borrower’s salary rights are 20%, deposit weights are 100%, financial balance weights are 80%, unfinanced equity weights are 70%, and real-value registration weights near the house are 60%. Then the first server 110 will calculate Mr. Chen's risk value as 1200*100%-10*20%-50*100%-80*80%-100*70%-30*30*60%=474 (ten thousand) . The first server 110 will also determine whether the risk value of 4.74 million at this time is greater than the risk value of Mr. Chen at a predetermined time interval (for example, half a year ago).

在一實施例中，實價登錄可根據距離、買賣時間及屋齡差距來計算。舉例來說，距離總分為30分，買賣時間總分為40分，屋齡差距總分為30分。第一伺服器110會先找出與房貸借戶的房屋距離在一預定距離內的參考房屋並算出參考房屋中具有最高總分的參考房屋的實價登錄作為房貸借戶的房屋的實價登錄。距離可以100公尺為單位，距離越遠分數越低。例如100公尺內的距離分數為30分，100公尺到200公尺的距離分數為29分，以此類推。因此超過3公里時距離分數為0分。若參考房屋在6個月內登錄則買賣時間分數為40分，若參考房屋在6到12個月登錄則買賣時間分數為30分，以此類推。因此超過2年登錄的參考房屋的買賣時間分數為0分。若參考房屋與房貸借戶的房屋的屋齡差距在1年內則屋齡差距分數為30分，若參考房屋與房貸借戶的房屋的屋齡差距在2年內則屋齡差距分數為25分，以此類推。因此當參考房屋與房貸借戶的房屋的屋齡差距在6年以上則屋齡差距分數為0分。依照上述方法，第一伺服器110就可自動算出所有參考房屋的距離分數、買賣時間分數及屋齡差距分數的總和，並將具有最高總合分數的參考房屋的實價登錄作為房貸借戶的房屋的實價登錄。In one embodiment, the real-value registration can be calculated based on distance, time of purchase and sale, and age gap. For example, the distance score is 30 points, the buying time is 40 points, and the age difference is 30 points. The first server 110 will first find the reference house within a predetermined distance from the house of the mortgage borrower and calculate the real-value registration of the reference house with the highest total score among the reference houses as the real-price registration of the house of the mortgage borrower . The distance can be measured in units of 100 meters. The farther the distance, the lower the score. For example, the distance score within 100 meters is 30 points, the distance score from 100 meters to 200 meters is 29 points, and so on. Therefore, when the distance exceeds 3 kilometers, the distance score is 0 points. If the reference house is logged in within 6 months, the buying and selling time score is 40 points, if the reference house is logged in within 6 to 12 months, the buying and selling time score is 30 points, and so on. Therefore, the purchase and sale time score of reference houses registered for more than 2 years is 0 points. If the age difference between the reference house and the mortgage borrower's house is within 1 year, the age difference score is 30 points. If the reference house and the mortgage borrower's house is within 2 years, the age difference score is 25. Points, and so on. Therefore, when the age difference between the reference house and the mortgage borrower's house is more than 6 years, the age difference score is 0 points. According to the above method, the first server 110 can automatically calculate the sum of the distance scores, sale time scores, and age gap scores of all reference houses, and register the real price of the reference house with the highest total score as the mortgage borrower’s Real-value login of the house.

在步驟S204中，若新風險值大於舊風險值，則第一伺服器110產生異常訊息。具體來說，在每次時間間隔之後，風險值應該要逐次下降。若新風險值大於舊風險值代表了借戶有信用問題，因此第一伺服器110產生異常訊息，讓銀行負責人員得以事先注意，並做好房貸戶之貸後管理。In step S204, if the new risk value is greater than the old risk value, the first server 110 generates an abnormal message. Specifically, after each time interval, the risk value should decrease one by one. If the new risk value is greater than the old risk value, it means that the borrower has a credit problem, so the first server 110 generates an abnormal message, so that the person in charge of the bank can pay attention in advance, and do a good job of post-loan management of the mortgage loan.

在步驟S205中，當第一伺服器110產生異常訊息時，第一伺服器110凍結對應身分識別碼的借戶存款及***額度。具體來說，當第一伺服器110產生異常訊息時，銀行電腦可在第一時間主動將借戶存款及其***餘額凍結，並等待銀行負責房貸業務人員了解原因後，再依照銀行授信相關規範做好相對應的處置。In step S205, when the first server 110 generates an abnormal message, the first server 110 freezes the deposit of the borrower and the credit card limit corresponding to the identification code. Specifically, when the first server 110 generates an abnormal message, the bank computer can voluntarily freeze the deposit of the borrower and the balance of its credit card at the first time, and wait for the bank's responsible mortgage business staff to understand the reason, and then follow the relevant rules of bank credit Do the corresponding treatment.

綜上所述，本發明的房貸戶之貸後管理系統可在第一伺服器(例如，銀行伺服器)接收到授信合約之後每隔一段固定時間發送借戶的信用資訊請求到第二伺服器(例如，聯合信用徵信中心及票據中心伺服器)且第二伺服器回傳信用資訊到第一伺服器。第一伺服器會根據借戶的身分識別碼查訊借戶的信用狀況並根據借戶的信用狀況計算一個風險值。當計算出的風險值大於上次計算出的風險值時，第一伺服器會產生異常訊息。當第一伺服器產生異常訊息後，即可自動凍結借戶的借戶存款及***額度。因此，透過週期性地自動計算借戶的信用風險值，可提供一個更完善的貸後管理機制。此外，第一伺服器還可根據貸款房屋的位置，利用距離、買賣時間及屋齡差距等資訊自動估算準確的實價登錄數據，並將實價登錄數據應用於風險值的控管，以達到更精確的房貸戶之貸後管理。In summary, the post-loan management system of the house loan accountant of the present invention can send the credit information request of the borrower to the second server at a fixed period of time after the first server (for example, the bank server) receives the credit contract (For example, a joint credit reference center and bill center server) and the second server returns the credit information to the first server. The first server will check the borrower's credit status based on the borrower's identity code and calculate a risk value based on the borrower's credit status. When the calculated risk value is greater than the last calculated risk value, the first server will generate an abnormal message. When the first server generates an abnormal message, it can automatically freeze the deposit and credit card limit of the borrower. Therefore, by automatically calculating the credit risk value of the borrower periodically, a more complete post-loan management mechanism can be provided. In addition, the first server can also automatically estimate accurate real-value registration data based on the location of the loaned house, using information such as distance, sale time, and age gap, and apply the real-value registration data to the control of risk values to achieve More accurate post-loan management of mortgage loans.

雖然本發明已以實施例揭露如上，然其並非用以限定本發明，任何所屬技術領域中具有通常知識者，在不脫離本發明的精神和範圍內，當可作些許的更動與潤飾，故本發明的保護範圍當視後附的申請專利範圍所界定者為準。Although the present invention has been disclosed as above with examples, it is not intended to limit the present invention. Any person with ordinary knowledge in the technical field can make some changes and modifications without departing from the spirit and scope of the present invention. The scope of protection of the present invention shall be subject to the scope defined in the appended patent application.

100：房貸戶之貸後管理系統 110：第一伺服器 120：第二伺服器 S201~S205：應用於房貸戶之貸後管理系統的方法的步驟100: post-loan management system for mortgage loans 110: first server 120: second server S201~S205: steps of the method applied to the post-loan management system for mortgage loans

圖1根據本發明一實施例的房貸戶之貸後管理系統的方塊圖。 圖2根據本發明一實施例的應用於房貸戶之貸後管理系統的方法的流程圖。FIG. 1 is a block diagram of a post-loan management system for a house loan accountant according to an embodiment of the invention. FIG. 2 is a flowchart of a method applied to a post-loan management system of a house loan accountant according to an embodiment of the present invention.

100：房貸戶之貸後管理系統 110：第一伺服器 120：第二伺服器100: post-loan management system of mortgage loaner 110: first server 120: second server

Claims (7)

一種房貸戶之貸後管理系統，包括：一第一伺服器；以及一第二伺服器，耦接到該第一伺服器，其中該第一伺服器接收一授信合約，其中該授信合約包括一身分識別碼；該第一伺服器在一預定時間間隔發送包括該身分識別碼的一信用資訊請求到該第二伺服器，且該第二伺服器傳送一信用資訊到該第一伺服器；該第一伺服器計算對應該信用資訊及該身分識別碼的一新風險值，並判斷該新風險值是否大於一舊風險值，其中該第一伺服器根據一房屋的一實價登錄計算該新風險值；以及若該新風險值大於該舊風險值，則該第一伺服器產生一異常訊息，其中該第一伺服器尋找與該房屋的一位置的距離在一預定距離內的多個參考房屋並計算該些參考房屋的一距離分數、一買賣時間分數及一屋齡差距分數的一加總分數，並將該些參考房屋中具有最高的該加總分數的該參考房屋的實價登錄設定為該房屋的該實價登錄，其中該舊風險值為在該預定時間間隔之前，該第一伺服器最後一次計算對應該身分識別碼的一風險值，其中該參考房屋與該房屋的距離與該距離分數成反比，該參 考房屋距離一當前時間的一登錄買賣時間間隔與該買賣時間分數成反比，該參考房屋與該房屋的一屋齡差距與該屋齡差距分數成反比。 A post-loan management system for mortgage loans includes: a first server; and a second server coupled to the first server, wherein the first server receives a credit contract, wherein the credit contract includes a Identity code; the first server sends a credit information request including the identity code to the second server at a predetermined time interval, and the second server sends a credit information to the first server; the The first server calculates a new risk value corresponding to the credit information and the identity code, and judges whether the new risk value is greater than an old risk value, wherein the first server calculates the new risk value based on a real price registration of a house Risk value; and if the new risk value is greater than the old risk value, the first server generates an abnormal message, wherein the first server looks for multiple references within a predetermined distance from a location of the house Houses and calculate a distance score, a time-to-buy time score, and a house age gap score of the reference houses, and register the real value of the reference house with the highest total score among the reference houses Set as the real-price registration of the house, where the old risk value is the risk value corresponding to the identity code for the last time before the predetermined time interval, the first server calculates the distance between the reference house and the house Inversely proportional to the distance score, this parameter The log-in trading interval of the test house from a current time is inversely proportional to the trading time score, and the age difference between the reference house and the house is inversely proportional to the age difference score. 如申請專利範圍第1項所述的房貸戶之貸後管理系統，其中當該第一伺服器接收到該異常訊息時，該第一伺服器凍結對應該身分識別碼的一借戶存款及一***額度。 The post-loan management system for mortgage loans as described in item 1 of the patent scope, wherein when the first server receives the abnormal message, the first server freezes a deposit and a deposit corresponding to the identity code Credit card limit. 如申請專利範圍第1項所述的房貸戶之貸後管理系統，其中該預定時間間隔是以一天為單位。 The post-loan management system for mortgage loans as described in item 1 of the patent application scope, in which the predetermined time interval is in units of one day. 如申請專利範圍第1項所述的房貸戶之貸後管理系統，其中該第一伺服器根據一房貸餘額、一每月薪資、一存款平均餘額、一理財餘額、一股票現值及該時價登錄及對應的多個加權數值計算該新風險值。 The post-loan management system for mortgage loans as described in item 1 of the patent scope, wherein the first server is based on a mortgage balance, a monthly salary, an average deposit balance, a financial balance, a stock current value and the time Price registration and corresponding multiple weighted values to calculate the new risk value. 如申請專利範圍第4項所述的房貸戶之貸後管理系統，其中該新風險值為該房貸餘額乘以一房貸餘額權數，扣除該每月薪資乘以一每月薪資權數，扣除該存款平均餘額乘以一存款平均餘額權數，扣除該理財餘額乘以一理財餘額權數，扣除該股票現值乘以一股票現值權數，並扣除一房屋坪數乘以該時價登錄乘以一時價登錄權數。 The post-loan management system for mortgage loans as described in item 4 of the patent scope, where the new risk value is the mortgage balance multiplied by a mortgage balance weight, deducting the monthly salary multiplied by a monthly salary weight, deducting the deposit The average balance is multiplied by the average balance weight of a deposit, the financial balance is multiplied by a financial balance weight, the current value of the stock is multiplied by the current value of the stock, and the number of buildings is deducted multiplied by the current price login multiplied by the current price Login weights. 如申請專利範圍第4項所述的房貸戶之貸後管理系統，其中該房貸餘額權數及該存款平均餘額權數為百分之一百。 For example, the post-loan management system for mortgage loans as described in item 4 of the patent scope, in which the mortgage balance weight and the average balance weight of the deposit are 100%. 如申請專利範圍第1項所述的房貸戶之貸後管理系統，其中該第一伺服器根據一房貸餘額、一每月薪資、一存款平均餘額、一理財餘額、一股票現值及該時價登錄計算該舊風險值。The post-loan management system for mortgage loans as described in item 1 of the patent scope, wherein the first server is based on a mortgage balance, a monthly salary, an average deposit balance, a financial balance, a stock current value and the time The price is entered to calculate the old risk value.
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