Financing support system

Abstract

To provide a financing support system to supply information enabling a lender to examine the validity of financing conditions.SOLUTION: A financing support system 1 includes: an identification unit for identifying a financial product provided as collateral by a borrower of financing; an evaluation value acquisition unit for acquiring the evaluation value of the identified financial product from an appraiser; a desired loan amount acquisition unit for acquiring a desired loan amount from the borrower; a loan case providing unit for providing loan case information including the acquired evaluation value and the desired loan amount to a lender of financing; and a loan availability acquisition unit for acquiring loan availability information indicating whether the provision of the desired loan amount is acceptable from the lender.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a loan support system that supports peer-to-peer (P2P) lending, in which lenders lend funds to borrowers via the Internet. [Background technology]

[0002] In recent years, P2P lending, in which lenders lend funds to borrowers via the Internet, has attracted attention, and various information processing systems that support such P2P lending have been proposed. For example, Patent Document 1 discloses a server device that generates a machine learning model based on attribute information such as the employer and years of service of individual borrowers, calculates an evaluation value for each borrower using the machine learning model, and provides lenders with interest rate information generated based on the evaluation value. This server device allows lenders to use the provided interest rate information as a basis for deciding whether to grant a loan, and is therefore expected to promote P2P lending. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] International Publication No. 2021 / 200302 Summary of the Invention [Problem to be solved by the invention]

[0004] In the case of the server device described above, interest rate information is generated based on an evaluation value calculated by a machine learning model generated on the server device side, making it difficult for lenders to examine the validity of the interest rate information, etc. This creates a problem in that lenders cannot make a satisfactory decision on whether to grant a loan.

[0005] The present invention has been made in consideration of the above circumstances, and its main purpose is to provide a loan support system in P2P lending that enables lenders to make a satisfactory decision on whether or not to grant a loan. [Means for solving the problem]

[0006] In order to solve the above problems, one aspect of the loan support system of the present invention comprises an identification unit that identifies financial products to be provided as collateral by a loan borrower, an evaluation amount acquisition unit that acquires the evaluated amount of the identified financial product from an evaluator, a desired loan amount acquisition unit that acquires the desired loan amount from the borrower, a loan project providing unit that provides loan project information including the acquired evaluation amount and the desired loan amount to a loan lender, and a loan approval / disapproval acquisition unit that acquires loan approval / disapproval information from the lender indicating whether the desired loan amount can be provided.

[0007] In the above aspect, the system may further include a judgment unit that judges whether the obtained requested loan amount is within the range of the valuation amount, and the loan application providing unit may provide the loan application information to the lender if it is determined that the requested loan amount is within the range of the valuation amount.

[0008] In addition, in the above aspect, the system may further include a comment acquisition unit that acquires comment information regarding the evaluation by the evaluator from the evaluator, and the loan project providing unit may provide the loan project information to the lender, the loan project information further including the acquired comment information.

[0009] In the above aspect, the loan proposal providing unit may provide the loan proposal information, which further includes evaluator identification information that identifies the evaluator, to the lender.

[0010] In addition, in the above aspect, the system may further include a message acquisition unit that acquires message information addressed to the lender from the borrower, and the loan project providing unit may provide the loan project information to the lender, the loan project information further including the acquired message information.

[0011] In addition, in the above aspect, the loan may further include an appraisal value providing unit that provides the acquired appraisal value to the borrower.

[0012] In the above aspect, the appraisal value providing unit may provide the borrower with appraised value together with appraised value and appraised person identification information that identifies the appraised person.

[0013] In addition, the above aspect may further include a desired conditions acquisition unit that acquires desired conditions for the financial product to be offered as collateral from the lender, and a desired conditions provision unit that provides the acquired desired conditions to the borrower. [Effects of the Invention]

[0014] According to the present invention, it is possible to provide lenders with information that allows them to consider the appropriateness of loan conditions. [Brief explanation of the drawings]

[0015] [Figure 1] FIG. 1 is a block diagram showing the configuration of a loan assistance system and its communication destinations. [Figure 2] FIG. 10 is a diagram showing an example of the layout of a borrower database. [Figure 3] FIG. 10 is a diagram showing an example of the layout of a lender database. [Figure 4] FIG. 10 is a diagram showing an example of the layout of an evaluator database. [Figure 5] FIG. 10 is a diagram showing an example of the layout of an evaluation result database. [Figure 6] FIG. 10 is a diagram showing an example of the layout of a loan application database. [Figure 7] 10 is a flowchart showing an example of a procedure for an evaluation amount acquisition process. [Figure 8] 10 is a flowchart showing an example of a procedure for a loan request acceptance process. [Figure 9] FIG. 10 is a diagram showing an example of a loan request input screen. [Figure 10] 10 is a flowchart showing an example of a procedure for a loan proposal providing process. [Figure 11] FIG. 10 is a diagram showing an example of a loan application screen. [Figure 12] 10 is a flowchart showing an example of a procedure for a lender candidate providing process. [Figure 13] FIG. 10 is a diagram showing an example of a lender selection screen. DETAILED DESCRIPTION OF THE INVENTION

[0016] Preferred embodiments of the present invention will be described below with reference to the drawings. Note that the following embodiments are merely examples of methods and devices for embodying the technical concept of the present invention, and the technical concept of the present invention is not limited to the following. Various modifications can be made to the technical concept of the present invention within the technical scope described in the claims.

[0017] (System configuration) Figure 1 is a block diagram showing the configuration of a loan assistance system and its communication destinations according to this embodiment. The loan assistance system 1 according to this embodiment is a computer system that functions as an intermediary between lenders and borrowers in order to promote P2P lending. The loan assistance system 1 communicates with a borrower terminal 2, a lender terminal 3, and an evaluator terminal 4 via the Internet 101.

[0018] The borrower terminal 2 and the lender terminal 3 are information terminals used by the borrower who is the fund demander and the lender who is the fund provider, respectively, and examples of such terminals include personal computers, smartphones, tablet terminals, and smart watches. The borrower terminal 2 and the lender terminal 3 transmit and receive data to and from the loan assistance system 1 using an internet browser or a dedicated application.

[0019] The evaluator terminal 4 is an information terminal used by an evaluator who evaluates financial products provided as collateral by a borrower. The evaluator terminal 4, like the borrower terminal 2, is configured with a personal computer or the like, and transmits and receives data to and from the loan assistance system 1 using an internet browser or a dedicated application.

[0020] The following describes the detailed configuration of the loan assistance system 1. The loan assistance system 1 is configured with one or more computers equipped with a control unit including a CPU, RAM, and ROM, and a storage unit, and this control unit executes each of the processes described below. The storage unit of the loan assistance system 1 is provided with the following databases: a borrower database (DB) 11, a lender database (DB) 12, an evaluator database (DB) 13, an evaluation result database (DB) 14, and a loan application database (DB) 15. The following describes the details of these databases.

[0021] (A) Borrower DB11 The borrower DB11 is a database that stores information about borrowers who need funds. FIG. 2 is a diagram showing an example of the layout of this borrower DB11. As shown in FIG. 2, the borrower DB11 stores at least the name, contact information (email address, etc.) and other attributes of the borrower, linked to a borrower ID that is an identifier for the borrower. In addition to the age, occupation, and annual income shown in FIG. 2, other attributes that may be stored include place of residence, educational background, personality, hobbies, etc.

[0022] In this embodiment, the borrower provides the financial products he or she owns as collateral. Information about the financial products is also linked to the borrower ID and stored in the borrower DB11. Types of financial products include, for example, government bonds, stocks, REITs, cryptocurrencies, investment trusts, MMFs, and fixed-term deposits. The borrower DB11 stores the type, brand, holding quantity, and holding period of the financial products owned by the borrower.

[0023] (B) Lender DB12 The lender DB12 is a database that stores information about lenders who provide funds. FIG. 3 is a diagram showing an example of the layout of the lender DB12. As shown in FIG. 3, the lender DB12 stores at least the name, contact information (such as an email address), and other attributes of the lender, linked to a lender ID that is an identifier for the lender, as in the case of the borrower DB11. As in the case of the borrower DB11, the lender's place of residence, educational background, personality, hobbies, etc. may also be stored as other attributes.

[0024] Lender DB12 also stores information indicating the lender's desired conditions for the loan, linked to the lender ID. These conditions include limitations on the types of financial products that the borrower can offer as collateral, such as "limited to government bonds and corporate bonds" as shown in Figure 3. Other possible limitations include limitations on the brand name of the financial product and the purpose of the loan.

[0025] The information stored in the borrower DB 11 is acquired from the borrower side via the borrower terminal 2, etc., when the user registers. Similarly, the information stored in the lender DB 12 is acquired from the lender side via the lender terminal 3, etc., when the user registers.

[0026] (C)Evaluator DB13 The appraiser DB 13 is a database that stores information about appraisers who evaluate financial products as collateral. Here, an appraiser is an individual or corporation that has the ability to properly evaluate financial products, and examples of such an appraiser include financial institutions and experts affiliated with those financial institutions.

[0027] Fig. 4 is a diagram showing an example of the layout of the evaluator DB 13. As shown in Fig. 4, the evaluator DB 13 stores at least the name (full name), contact information, and types of financial products that the evaluator can evaluate, linked to an evaluator ID, which is an identifier for the evaluator. The name, contact information, and types of financial products are obtained from each evaluator by the operator of the loan support system 1 and stored in the evaluator DB 13.

[0028] (D) Evaluation result DB14 The evaluation result DB14 is a database for checking information regarding the evaluation results of financial products by evaluators. Figure 5 is a diagram showing an example of the layout of this evaluation result DB14. As shown in Figure 5, the evaluation result DB14 stores at least the evaluator ID of the evaluator who performed the evaluation, the evaluation amount, the interest rate (repayment interest rate) and period (repayment period) that the evaluator deemed appropriate, and comments on the evaluation by the evaluator, all linked to an evaluation result ID that is an identifier for the evaluation result. These evaluation amounts and comments are acquired by the evaluation amount acquisition process described below and registered in the evaluation result DB14.

[0029] (E) Loan project DB15 The loan application DB15 is a database that stores information about loan applications handled by the loan assistance system 1. FIG. 6 is a diagram showing an example of the layout of this loan application DB15. As shown in FIG. 6, the loan application DB15 stores at least the borrower ID of the borrower, information indicating the financial product serving as collateral, the evaluation result ID of the evaluation result of the financial product, the purpose of the loan, a message from the borrower to the lender, the terms of the loan, and the result of whether the loan is approved, all linked to a loan ID that is an identifier for the loan application. The above financial product, purpose of the loan, message, and terms are obtained from the borrower via the borrower terminal 2, as will be described later.

[0030] (System Operation) Next, the operation of the loan assistance system 1 configured as described above will be explained with reference to a flowchart. In this embodiment, (1) an appraisal amount acquisition process for acquiring from an evaluator the appraisal amount of a financial product provided by a borrower as collateral, (2) a loan request acceptance process for accepting a loan request from a borrower, (3) a loan request provision process for providing details of the loan request to a lender, and (4) a lender candidate provision process for providing information on lender candidates to a borrower. The contents of each process will be explained in detail below.

[0031] (1) Valuation amount acquisition process The loan assistance system 1 obtains the appraised value of financial products owned by a borrower from an appraiser. For this purpose, an appraised value acquisition process is executed. This appraised value acquisition process is executed at an appropriate timing after receiving notification of the financial products to be used as collateral from the borrower. Furthermore, since the value of financial products fluctuates over time, if the loan has not yet been established, the same appraised value acquisition process is repeatedly executed for financial products that have been appraised once.

[0032] 7 is a flowchart showing an example of the procedure for the evaluation amount acquisition process executed by the loan assistance system 1. First, the loan assistance system 1 identifies the financial product to be processed this time from among the financial products stored in the borrower DB 11, i.e., the financial products notified by the borrower (S101).

[0033] Next, the loan support system 1 identifies evaluators who can evaluate the financial product to be evaluated this time based on the types of financial products that each evaluator can evaluate, which are stored in the evaluator DB 13 (S102). If multiple evaluators are identified, a subsequent evaluation request may be sent to at least one of them. In this case, a priority order may be determined in advance based on the evaluation track record of each evaluator and the track record of loans for financial products evaluated by each evaluator, and the current evaluator may be identified according to that priority order.

[0034] Next, the loan support system 1 transmits evaluation request information to the identified evaluator (S103). This evaluation request information includes the type and brand of the financial product to be evaluated. The evaluation request information is transmitted electronically, such as by email. However, the evaluation request information may also be transmitted by other means, such as by mail.

[0035] Upon receiving the evaluation request information, the evaluator evaluates the financial product using his / her specialized knowledge. The evaluator then transmits evaluation result information indicating the evaluation results to the loan assistance system 1 using the evaluator terminal 4. This evaluation result information includes the evaluated amount of the financial product, as well as the interest rate and period that the evaluator deems appropriate if the loan is made at that evaluated amount, and the evaluator's comments regarding the evaluation.

[0036] When the loan support system 1 receives the evaluation result information sent from the evaluator terminal 4 (S104), it links it to the evaluator ID of the current evaluator and registers information such as the evaluation amount and comments contained in the evaluation result information in the evaluation result DB14 (S105).

[0037] (2) Processing of loan applications The loan support system 1 provides the borrower with the assessed value of the financial product and then accepts a loan request from the borrower. For this purpose, a loan request acceptance process is executed. This loan request acceptance process is executed when the above-mentioned evaluation result information is received from the evaluator.

[0038] 8 is a flowchart showing an example of the procedure for a loan request acceptance process executed by the loan assistance system 1 and the borrower terminal 2. The loan assistance system 1 first transmits evaluation result information, including the evaluation amount stored in the evaluation result DB 14, to the borrower terminal 2 of the borrower who owns the financial product related to that evaluation amount (S201).

[0039] When the borrower terminal 2 receives the evaluation result information from the loan assistance system 1 (S301), it displays a loan request input screen including the contents of the evaluation result information on the display unit (S302). FIG. 9 is a diagram showing an example of the loan request input screen. As shown in FIG. 9, the loan request input screen displays the borrower's name, the name and current value of the financial product provided as collateral, the evaluation result by the evaluator (e.g., the valuation amount, interest rate, and term), and the name of the evaluator (an example of evaluator identification information). The loan request input screen also has input fields for the desired loan conditions (amount, interest rate, and term), the purpose of the loan, and a message.

[0040] The borrower checks the information displayed on the loan request input screen, and then uses the borrower terminal 2 to input the desired loan amount, interest rate, term, purpose of the loan, and a message to the lender in the appropriate input fields. The borrower then clicks the register button 211 on the loan request input screen. This completes the input of the loan request information, including the entered information.

[0041] Returning to FIG. 8, when the borrower terminal 2 receives the loan request information input from the borrower as described above (S303), it transmits the loan request information to the loan assistance system 1 (S304).

[0042] When the loan assistance system 1 receives loan request information from the borrower terminal 2 (S202), it determines whether the loan request amount included in the loan request information is within the range of the assessed amount (S203). If it is determined to be within the range (YES in S203), the loan assistance system 1 registers the loan conditions, borrowing purpose, and message included in the loan request information in the loan application DB 15 (S204).

[0043] If it is determined in step S202 that the desired loan amount exceeds the range of the assessed amount (NO in S203), the loan assistance system 1 terminates the process without registering it in DB 15. In this case, the loan assistance system 1 may transmit an error message to the borrower terminal 2 indicating that the loan request cannot be accepted. As a result, if the borrower reconsiders the desired loan amount and re-enters the loan request information on the loan request input screen, the processes from step S303 onwards will be repeated.

[0044] As described above, in this embodiment, the appraised value of a financial product is provided to a borrower who is offering the financial product as collateral. This allows the borrower to set a desired loan amount that is objectively considered reasonable. In addition to the appraised value, identification information that can identify the evaluator who performed the appraisal ("Name of the Appraiser" in the example shown in FIG. 7) is also provided to the borrower. This allows the borrower to understand the type of evaluator who performed the appraisal, and therefore to confirm the appropriateness of the appraisal.

[0045] In addition, in this embodiment, if the borrower's desired loan amount is not within the range of the appraised amount by the evaluator, the loan application will not be accepted. Therefore, since the desired loan amount is set appropriately in comparison with the value of the financial product that is the collateral, the lender can safely consider whether to grant the loan.

[0046] (3) Financing process The loan assistance system 1 provides information about the loan application accepted by the above-mentioned loan application acceptance process to the lender. For this purpose, a loan application provision process is executed. This loan application provision process is executed in response to a request from the lender. Specifically, the loan application provision process is executed when the loan assistance system 1 receives a request to start processing from the lender terminal 3.

[0047] FIG. 10 is a flowchart showing an example of the procedure for a loan proposal providing process executed by the loan assistance system 1 and the lender terminal 3. The loan assistance system 1 first extracts a specific loan proposal from the loan proposals stored in the loan proposal DB 15 and generates loan proposal information related to the loan proposal (S401). At this time, the loan assistance system 1 may extract all loan proposals for which a loan has not yet been established, or may extract unestablished loan proposals that meet the lender's desired conditions stored in the lender DB 12. The loan assistance system 1 may also refer to the attributes of the borrower and lender stored in the borrower DB 11 and the lender DB 12, respectively, and extract loan proposals related to borrowers who are determined to be compatible with the lender (e.g., borrowers who share attributes with the lender).

[0048] Next, the loan assistance system 1 transmits the generated loan application information to the lender terminal 3 (S402). The specific contents of this loan application information will be described later with reference to an example screen displayed on the lender terminal 3 side.

[0049] When the lender terminal 3 receives loan application information from the loan assistance system 1 (S501), it displays a loan application screen showing the details of the loan application information on the display unit (S502). FIG. 11 shows an example of the loan application screen. As shown in FIG. 11, the loan application screen displays, for each loan application, the borrower's name, the type of financial product serving as collateral, the purpose of the loan, a message from the borrower, the repayment method, the collateral valuation amount, the expert's evaluation (corresponding to the evaluator's comments), the evaluator's name (an example of evaluator identification information), and the desired loan amount, interest rate, and term. The collateral valuation amount column also displays the volatility of the financial product for reference. The screen is configured so that clicking the financial product type column displays the name of the financial product.

[0050] The repayment method mentioned above means the method of repayment to be implemented if the loan is not repaid within the specified repayment period, with "cash" indicating that the collateral financial instruments will be converted into cash and repayment will be made, and "in kind" indicating that the collateral financial instruments will be transferred and repayment will be made. This repayment method may be specified by the appraiser or may be selectable by the lender.

[0051] The lender refers to this loan proposal screen and considers whether there are any proposals for which they wish to provide funds. At this time, the lender considers not only the loan conditions such as the amount, interest rate, and term, but also the purpose of the loan and the message, before deciding whether to provide funds. If there is a loan proposal for which they wish to provide funds, the lender uses the lender terminal 3 to check the check box provided in the borrower's name field for that loan proposal on the loan proposal screen and clicks the register button 212. On the other hand, if there is no such loan proposal, the lender clicks the register button 212 without checking the check box. This completes the entry of loan approval / disapproval information indicating whether or not funds can be provided.

[0052] Returning to FIG. 10, when the lender terminal 3 receives the input of the loan approval / disapproval information from the lender as described above (S503), it transmits the loan approval / disapproval information to the loan assistance system 1 (S504).

[0053] When the loan assistance system 1 receives the loan approval information from the lender terminal 3 (S403), it determines whether the loan has been approved based on the loan approval information (S404). If it is determined that the loan has not been approved (NO in S404), the loan assistance system 1 terminates the processing. On the other hand, if it is determined that the loan has been approved (YES in S404), it registers information indicating that the loan has been approved in the loan application DB 15 (S405).

[0054] Next, the loan assistance system 1 transmits loan establishment information indicating that the loan has been established to the borrower selected by the lender (S406). This loan establishment information includes information about the lender, such as the lender's name, as well as loan conditions. The borrower can confirm that the loan has been established by referring to this loan establishment information using the borrower terminal 2.

[0055] As described above, in this embodiment, in addition to the borrower's desired loan amount, the lender is provided with the appraised value of the financial products owned by the borrower. This allows the lender to understand whether the collateral value is appropriate for the desired loan amount, and therefore makes a satisfactory decision on whether to grant the loan.

[0056] In addition, in this embodiment, identification information that can identify the evaluator who performed the evaluation ("evaluator's name" in the example shown in FIG. 11) and comments from the evaluator are provided to the lender along with the evaluation amount. This allows the lender to understand what kind of evaluator has performed the evaluation amount and the reasons for the evaluation, and therefore to confirm the validity of the evaluation amount. In addition, a message from the borrower is also provided to the lender. This message can also be useful information for the lender in deciding whether to grant a loan.

[0057] (4) Lender candidate provision process The loan support system 1 provides borrowers with information about potential lenders, i.e., lender candidates. For this purpose, a lender candidate provision process is executed. This lender candidate provision process is repeatedly executed at appropriate times, such as whenever new information about a lender is registered in the lender DB 12.

[0058] FIG. 12 is a flowchart showing an example of the procedure for the lender candidate providing process executed by the loan assistance system 1 and the borrower terminal 2. The loan assistance system 1 first extracts a specific lender from among the lenders registered in the lender DB 12 and generates lender candidate information related to the specific lender (S601). At this time, the loan assistance system 1 may extract all lenders registered in the lender DB 12, or may extract only lenders whose desired conditions match those of the financial product owned by the borrower. The loan assistance system 1 may also refer to the attributes of the borrower and lender stored in the borrower DB 11 and the lender DB 12, respectively, and then extract lenders that are deemed to be compatible with the borrower (for example, lenders who have attributes in common with the borrower).

[0059] Next, the loan support system 1 transmits the generated lender candidate information to the borrower terminal 2 (S602). The specific contents of this lender candidate information will be described later with reference to an example screen displayed on the borrower terminal 2 side.

[0060] When the borrower terminal 2 receives the lender candidate information from the loan assistance system 1 (S701), it displays a lender candidate screen showing the contents of the lender candidate information on the display unit (S702). FIG. 13 is a diagram showing an example of the lender candidate screen. As shown in FIG. 13, this lender candidate screen displays the name of the lender and the desired conditions obtained from the lender for each lender candidate. The desired conditions include the type of financial product provided as collateral, the purpose of the loan, stock, repayment method, collateral, amount, interest rate, and term. These desired conditions are registered in the lender DB 12.

[0061] The borrower refers to this lender candidate screen and considers whether there are any candidates who could potentially be lenders for the borrower's loan application. If such a candidate is found, the borrower uses the borrower terminal 2 to check the check box provided in the nomination column for that candidate on the lender candidate screen and clicks the register button 213. On the other hand, if no such candidate is found, the borrower clicks the register button 213 without checking the check box. This completes the input of lender selection information indicating the lender selected by the borrower.

[0062] Returning to FIG. 12, when the borrower terminal 2 receives the input of the lender selection information from the borrower as described above (S703), it transmits the lender selection information to the loan assistance system 1 (S704).

[0063] When the loan assistance system 1 receives the lender selection information from the borrower terminal 2 (S603), it identifies the lender selected by the borrower based on the lender selection information and transmits loan application information regarding the borrower's loan application to the selected lender (S604). This loan application information is the same as the loan application information provided to the lender in the loan application provision process described above.

[0064] As described above, in this embodiment, information about potential lenders is provided to the borrower. This allows the borrower to know the existence of potential lenders. Furthermore, since the borrower can understand the desired conditions of each lender, the borrower can easily consider conditions that will make them more likely to be selected by a lender.

[0065] Furthermore, by providing loan information to lenders as described above, the lenders can learn about loans from borrowers who are interested in the lenders' desired conditions, etc. This has the potential to increase the likelihood of the loan being granted.

[0066] In addition, after the loan support system 1 acts as an intermediary between the borrower and the lender as described above, if a loan is concluded between the borrower and the lender, and the borrower fails to repay the funds within the specified repayment period, repayment will be made by disposing of the financial product that serves as collateral. Therefore, from the lender's perspective, repayment commensurate with the value of the financial product is assured, which promotes the use of P2P lending.

[0067] (Other embodiments) In the above embodiment, in the loan proposal providing process, if the requested loan amount exceeds the range of the appraised amount, the loan proposal information is not provided to the lender, but even in this case, the loan support system 1 may provide the loan proposal information to the lender. In this case, even if the requested loan amount exceeds the appraised amount, the lender may agree to the loan because the lender has already acknowledged this fact, and therefore providing the loan proposal information to the lender is beneficial.

[0068] Since the value of the financial product provided by the borrower as collateral fluctuates even after the loan is established, the financial product may be repeatedly evaluated during the repayment period by executing a process similar to the above-described evaluation amount acquisition process. In this case, if the evaluated amount of the financial product falls below the loan amount, the loan assistance system 1 may encourage the borrower to add more financial products to serve as collateral, or may suggest changing the financial product being used as collateral to another financial product. On the other hand, if the evaluated amount of the financial product significantly exceeds the loan amount, the loan assistance system 1 may suggest to the borrower that the financial product be disposed of and repaid, even if it is within the repayment period.

[0069] Furthermore, in light of the fluctuations in the value of financial products as described above, the loan facilitating system 1 may be configured to accept a change in the repayment method from the lender during the repayment period. It is conceivable that if the value of the financial product serving as collateral is on the rise, the lender may wish to change the repayment method from "cash" to "in kind," or if the value is on the decline, the lender may wish to change from "in kind" to "cash." In such cases, it would be convenient if the lender could use the lender terminal 3 or the like to instruct the loan facilitating system 1 to change the repayment method, which is expected to further promote the use of P2P lending. [Explanation of symbols]

[0070] 1. Loan support system 2 Borrower device 3. Lender terminal 4. Evaluator terminal 11 Borrower Database 12 Lender Database 13. Evaluator Database 14 Evaluation Results Database 15 Loan Project Database 101 Internet

Claims

1. an identification department that identifies financial instruments to be offered as collateral by loan borrowers; an appraisal value acquisition unit that acquires an appraisal value of the identified financial product from an appraiser; a loan amount acquisition unit that acquires a loan amount desired from the borrower; a loan offer providing unit that provides loan offer information including the acquired appraisal amount and the desired loan amount to a loan lender; a loan availability acquisition unit that acquires loan availability information indicating whether the desired loan amount can be provided from the lender; A loan support system that includes

2. a determination unit that determines whether the acquired requested loan amount is within the range of the assessed amount; Furthermore, the loan offer providing unit provides the loan offer information to the lender when it is determined that the requested loan amount is within the range of the assessed amount; The financing support system according to claim 1 .

3. a comment acquisition unit that acquires comment information regarding the evaluation by the evaluator from the evaluator; Furthermore, the loan proposal providing unit provides the loan proposal information, which further includes the acquired comment information, to the lender; The financing support system according to claim 1 or 2.

4. the loan proposal providing unit provides the loan proposal information, which further includes evaluator identification information that identifies the evaluator, to the lender; The financing support system according to claim 1 or 2.

5. a message acquisition unit that acquires message information addressed to the lender from the borrower; Furthermore, the loan offer providing unit provides the loan offer information, which further includes the acquired message information, to the lender; The financing support system according to claim 1 or 2.

6. an appraisal value providing unit that provides the acquired appraisal value to the borrower; Further provided with The financing support system according to claim 1 or 2.

7. the appraisal value providing unit provides the borrower with appraised value and appraised person identification information that identifies the appraised person; The financing support system according to claim 6.

8. a desired conditions acquisition unit that acquires desired conditions of the financial product to be offered as collateral from the lender; a desired conditions providing unit that provides the acquired desired conditions to the borrower; Further provided with The financing support system according to claim 1 or 2.

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