Loan management device, loan management program, and loan management method

Abstract

To provide a loan management device, a loan management program, and a loan management method capable of reporting a collection state simultaneously while outputting and transmitting securitization object data to a trust bank after a housing loan is contracted.SOLUTION: A load management device comprises a control part, and can access account transaction data stored with house loan credit information including a client name, a loan amount, a load balance, etc., and the control part comprises: securitization object data output means which outputs securitization object data with a fund No. attached based upon the house loan credit information extracted from the account transaction data after the total loan balance of the account transaction data reaches a certain amount; collection state report generation means which outputs, for each fund No., collection state report data on house loan credit included in the securitization object data; and securitization object data transmission means which transmits the securitization object data and the collection state report data to a trust bank.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a loan management device, a loan management program, and a loan management method. [Background technology]

[0002] The guaranteed Flat 35 product, a fixed-rate mortgage with a maximum term of 35 years offered by the Japan Housing Finance Agency, is a product that each financial institution can determine the marketability and sell on its own, just like a proper loan. Unlike purchase-type products in which the Japan Housing Finance Agency purchases mortgage receivables, guaranteed products require financial institutions to raise the loan funds themselves, so if there is a lack of funds, mortgage securitization is required. In addition, the guaranteed Flat 35 product requires approval from the Japan Housing Finance Agency for the mortgage product, and the collection status must be reported.

[0003] As a contract system for home loans, technology has been proposed in which real estate agents can apply for and review home loans online, create loan contracts, and generate claim assignment information related to loan securitization and report it to financial institutions (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2003-223559 A Summary of the Invention [Problem to be solved by the invention]

[0005] The system in Patent Document 1 creates information for securitizing mortgage loans and transmits it to financial institutions, enabling the securitization of mortgage loans; however, it is necessary to separately report the securitization information and collection status to the trust bank carrying out the securitization, as well as to the Japan Housing Finance Agency, which is required for the Flat 35 guaranteed type.

[0006] The present invention has been made in consideration of the above problems, and aims to provide a loan management device, a loan management program, and a loan management method that can output securitization target data after a mortgage contract is concluded and transmit it to a trust bank, while simultaneously reporting the collection status. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems and achieve the object, the loan management device of the present invention is a loan management device equipped with a control unit, and is capable of accessing account transaction data that stores mortgage receivables including customer names, loan amounts, loan balances, etc., and the control unit is characterized in that it is equipped with: securitization target data output means for outputting securitization target data with a fund number assigned based on mortgage receivable information extracted from the account transaction data after the total loan balance of the account transaction data reaches a certain amount; collection status report generation means for outputting collection status report data of the mortgage receivables included in the securitization target data for each fund number; and securitization data transmission means for transmitting the securitization target data and the collection status report data to a trust bank.

[0008] In addition, in the loan management device according to the present invention, the securitization target data includes debtor data, credit contract data, credit performance data, and LBL data.

[0009] In addition, the loan management device of the present invention is characterized in that the control unit is equipped with an institution report data output means for outputting institution report data including a debt information file, a collection information file, and an MBS redemption information file of the securitization target data, and transmitting it to the Japan Housing Finance Agency.

[0010] In addition, the loan management device according to the present invention is characterized in that the control unit includes registration information output means for outputting registration information for each mortgage loan claim included in the securitization target data.

[0011] In addition, the loan management program of the present invention is a loan management program executed by a loan management device equipped with a control unit, wherein the loan management device is capable of accessing account transaction data that stores mortgage loan claim information including customer names, loan amounts, loan balances, etc., and the control unit is characterized in that it executes on a computer the following steps: a securitization target data output step of outputting securitization target data with a fund number assigned based on the mortgage loan claim information extracted from the account transaction data after the total loan balance of the account transaction data reaches a certain amount; a collection status report generation step of outputting collection status report data for the mortgage loan claim information included in the securitization target data for each fund number; and a securitization data transmission step of transmitting the securitization target data and the collection status report data to a trust bank.

[0012] The loan management method of the present invention is a loan management method executed by a loan management device equipped with a control unit, wherein the loan management device is capable of accessing account transaction data that stores mortgage claim information including customer names, loan amounts, loan balances, etc., and the control unit includes a securitization target data output step of outputting securitization target data with a fund number assigned based on the mortgage claim information extracted from the account transaction data after the total loan balance of the account transaction data reaches a certain amount, a collection status report generation step of outputting collection status report data for the mortgage claim information included in the securitization target data for each fund number, and a securitization data transmission step of transmitting the securitization target data and the collection status report data to a trust bank. Effect of the Invention

[0013] According to the present invention, after a housing loan contract is made, when the securitization target data is output and transmitted to a trust bank, a report on the collection status can be made at the same time. [Brief description of the drawings]

[0014] [Figure 1] FIG. 1 is a diagram showing an example of a configuration of a loan management apparatus 100 according to the present embodiment. [Diagram 2]FIG. 2 is a diagram showing an example of the account transaction data 106a. [Diagram 3] FIG. 3 is a diagram showing an example of the securitization target data generation screen MA. [Figure 4] FIG. 4 is a diagram showing an example of the securitization exclusion screen MB. [Diagram 5] FIG. 5 is a diagram showing an example of the securitization target data generation screen MA. [Figure 6] FIG. 6 is a diagram showing an example of the securitization target data 106b. [Figure 7] FIG. 7 is a diagram showing an example of the collection status report generation screen MC. [Figure 8] FIG. 8 is a diagram showing an example of collection status report data. [Figure 9] FIG. 9 is a diagram explaining the linkage flow with a trust bank. [Figure 10] FIG. 10 is a diagram showing an example of the guaranteed report generation screen ME. [Figure 11] FIG. 11 is a diagram illustrating the flow of reporting to the Japan Housing Finance Agency. [Figure 12] FIG. 12 is a diagram showing an example of the registration information data output screen MD. [Figure 13] FIG. 13 is a diagram illustrating an example of the registration information data. [Figure 14] FIG. 14 is a diagram explaining the linkage flow to a judicial scrivener. [Figure 15] FIG. 15 is a diagram showing an example of the account transaction data 106a. [Figure 16] FIG. 16 is a diagram showing an example of the securitization target data 106b. [Figure 17] FIG. 17 is a diagram showing an example of the account transaction data 106a. [Figure 18] FIG. 18 is a diagram showing an example of the account transaction data 106a. [Figure 19] FIG. 19 is a diagram showing an example of the securitization target data 106b. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0015] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of a loan management device, a loan management program, and a loan management method according to the present invention will be described in detail with reference to the accompanying drawings. Note that the present invention is not limited to the preferred embodiments.

[0016] [1. Configuration] An example of the configuration of the loan management device according to this embodiment will be described with reference to Fig. 1 etc. Fig. 1 is a diagram showing an example of the configuration of the loan management device 100 according to this embodiment.

[0017] The loan management device 100 is constructed based on a commercially available desktop personal computer. The loan management device 100 is not limited to being constructed based on a stationary information processing device such as a desktop personal computer, but may be constructed based on a portable information processing device such as a commercially available notebook personal computer, a PDA (Personal Digital Assistant), a smartphone, or a tablet personal computer.

[0018] The loan management device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. The units included in the loan management device 100 are connected to each other so as to be able to communicate with each other via any communication path.

[0019] The communication interface unit 104 communicatively connects the loan management apparatus 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via the communication line. Here, the network 300 has a function of connecting the loan management apparatus 100 and the server apparatus 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). The data stored in the memory unit 106 may be stored in the server apparatus 200, for example.

[0020] An input device 400 and an output device 500 are connected to the input / output interface unit 108. The output device 500 may be a monitor (including a home television), a speaker, or a printer. The input device 400 may be a keyboard, a mouse, a microphone, or a monitor that cooperates with a mouse to realize a pointing device function. In the following, the output device 500 may be referred to as the monitor 500, and the input device 400 may be referred to as the keyboard 400 or the mouse 400.

[0021] Various databases, tables, files, etc. are stored in the storage unit 106. Computer programs for cooperating with an OS (Operating System) to give instructions to a CPU (Central Processing Unit) to perform various processes are recorded in the storage unit 106. For example, memory devices such as RAM (Random Access Memory) and ROM (Read Only Memory), fixed disk devices such as hard disks, flexible disks, and optical disks can be used as the storage unit 106.

[0022] The memory unit 106 stores, for example, account transaction data 106a, securitization target data 106b, collection status report data 106c, mechanism report data 106d, and registration information data 106e.

[0023] The account transaction data 106a stores mortgage loan information including the claim number, customer name, loan date, loan amount, loan interest rate, loan balance, etc. For example, as shown in Fig. 2, the account transaction data 106a stores the claim number, customer name, loan date, loan amount, loan interest rate, loan balance, as well as the deposit date and deposit amount, and the loan balance is updated with each deposit.

[0024] Securitization target data 106b is data related to mortgage loan claims to be securitized among account transaction data 106a. Securitization target data 106b is output after the total loan amount of account transaction data 106a reaches a certain amount. As shown in FIG. 6, securitization target data 106b includes, for example, the year and month when the claim became the subject of securitization, fund number, claim number, loan date, liquidation amount, loan interest rate, loan balance, etc. Mortgage loan claims are linked by fund number. Securitization target data 106b also includes individual data such as debtor data, claim contract data, claim performance data, and LBL data.

[0025] The collection status report data 106c stores reports on the collection status of mortgage loan claims included in the securitization target data 106b. The collection status report data 106c is output every month for each fund number, and monthly data is stored for each fund number. The collection status report data 106c includes, for example, the output base year and month, fund number, collection amount handed over amount, and collection amount details, as shown in FIG. 8.

[0026] The agency report data 106d is report data for the Japan Housing Finance Agency, and includes claim data, collection data, and MBS redemption data.

[0027] The registration information data 106e is data for changing the registration associated with the securitization of the mortgage loan claim, and the registration information is stored for each mortgage loan claim. For example, as shown in Fig. 13, the registration information data 106e includes the debtor's name, address, mortgage contract date, mortgage start and end dates, loan balance, and JICA customer number.

[0028] The control unit 102 is a CPU or the like that comprehensively controls the loan management device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, and required data, and executes various information processing based on these stored programs.

[0029] The control unit 102 conceptually includes, in terms of functions, a securitization target data output unit 102a, a collection status report generating unit 102b, a securitization data transmitting unit 102c, a mechanism report data output unit 102d, and a registration information output unit 102e.

[0030] The securitization target data output unit 102a outputs the securitization target data 106b to which a fund number is assigned based on the mortgage loan information extracted from the account transaction data 106a. The securitization target data output unit 102a outputs the securitization target data 106b after the total loan balance of the account transaction data 106a reaches a certain amount.

[0031] The collection status report generating unit 102b outputs collection status report data 106c of the mortgage loan claims included in the securitization target data 106b for each fund number.

[0032] The securitization data transmission unit 102c transmits the securitization target data 106b and the collection status report data 106c to a trust bank that securitizes the mortgage loan claims. The trust bank securitizes the mortgage loan claims based on the received securitization target data 106b, and reports to the investors who purchased the securities based on the collection status report data 106c.

[0033] The institution report data output unit 102d outputs institution report data including the debt information file, collection information file, and MBS redemption information file of the securitization target data, and transmits it to the Japan Housing Finance Agency.

[0034] The registration information output unit 102e outputs registration information data 106e for each mortgage claim included in the securitization target data 106b. The output registration information data 106 is sent by mail or the like to a judicial scrivener, who changes the registration of the mortgage claim.

[0035] [2. Processing] Here, a specific example of the process executed by the loan management apparatus 100 will be described with reference to FIGS.

[0036] This description will be given of the processing performed by the loan management device 100 regarding data transmission to a trust bank for liquidating housing loan claims, and reporting to the Japan Housing Finance Agency.

[0037] When a financial institution enters into a housing loan contract for a Flat 35 guaranteed product with a customer, housing loan contract information is input into the loan management device 100, and account transaction data 106a (June) as shown in FIG. 2 is created.

[0038] After the total loan balance of the account transaction data 106a reaches a certain amount, the securitization target data output unit 102a outputs the securitization target data 106b with a fund number based on the mortgage bond information extracted from the account transaction data 106a. The total loan amount can be set arbitrarily. In FIG. 2, when the total loan amount reaches 50 million, that is, the loan amount reaches 50 million for bond numbers 001-0 to 004-0, an alarm or the like is output after the contract for 004-0 is made.

[0039] When the total loan balance reaches a certain amount, a securitization target data generation process is performed using the securitization target data generation screen MA. FIG. 3 is a diagram showing an example of the securitization target data generation screen MA. When the operator inputs the extraction conditions of the trust establishment year and month, fund number, MBS coupon, and loan date in the securitization reservation data update field on the securitization target data generation screen MA, the mortgage loan claims to be securitized are extracted. The fund number and MBS coupon are designated by the Japan Housing Finance Agency and the trust bank. If there are any mortgage loan claims to be excluded from the securitization targets among the extracted mortgage loan claims, the mortgage loan claims to be excluded can be input using the securitization exclusion screen MB shown in FIG. 4. By inputting the securitization target data generation screen MA and the securitization exclusion screen MB, the securitization target data output unit 102a outputs the securitization target data 106b (July monthly) as shown in FIG. 6. After the extraction and exclusion of mortgage loan receivables has been confirmed in the securitization target data 106b, the securitization target data 106b is finalized by inputting the information in the "Securitization Confirmed Data Update & Report File Output" field on the securitization target data generation screen MA shown in Figure 5, and the collection report creation screen MC is displayed.

[0040] The securitization target data output unit 102a outputs the securitization target data 106b with a new fund number based on the input of the securitization target data generation screen MA every time the total loan balance of the account transaction data 106a reaches a certain amount, but if the total loan balance does not reach the certain amount, it stores and updates the new monthly data while retaining the previous data. FIG. 15 is a diagram showing an example of the account transaction data 106a (July). In the account transaction data 106a (July), a new deposit has been made in July, and the loan balance has decreased from that of June by the amount of the deposit. The securitization target data output unit 102a stores the securitization target data for August shown in the shaded area of ​​FIG. 16 based on the account transaction data 106a (July) and updates the securitization target data 106b (August).

[0041] In August, a new deposit was made as shown in the account transaction data 106a of FIG. 17, and a new mortgage contract was made as shown in FIG. 18 (claim numbers 006-0, 007-0). Due to the new mortgage contract, the total loan balance of the unfunded mortgage claims in the account transaction data 106a reaches a certain amount (claim numbers 006-0 to 007-0, total loan amount 50 million yen or more). In response to an input to the securitization target data generation screen MA, the securitization target data output unit 102a outputs the securitization target data 106b with a new fund number. FIG. 19 is a diagram showing an example of the securitization target data 106b (September). In the securitization target data 106b (September), the securitization target data of fund number 0001 shown in the shaded area and the securitization target data newly assigned with fund number 0002 are stored and updated as the securitization target data 106b (September). The securitization target data of fund No. 0002 is transmitted to the trust bank for securitization. In addition, based on the updated securitization target data of fund No. 0001, collection status report data 106c (described later) is created.

[0042] Fig. 7 is a diagram showing an example of a collection status report generation screen MC. By inputting the output base date and time, etc., into the collection status report generation screen MC, the collection status report generation unit 102b creates collection status report data 106c for the base date and time for each fund number. The collection status report data 106c is created based on the securitization target data 106b. Fig. 8 is a diagram showing an example of the collection status report data 106c. The collection status report data 106c includes the amount of the collected money to be transferred, details of the collected money, etc.

[0043] After the securitization target data 106b and the collection status report data 106c are generated, the securitization data transmission unit 102c transmits the securitization target data 106b and the collection status report data 106c to the trust bank. Figure 9 is a diagram explaining the linkage flow to the trust bank (transmission of the securitization target data 106b and the collection status report data 106c). The securitization target data is transmitted to the trust bank every time a new mortgage loan is securitized, and the collection status report data is transmitted to the trust bank every month.

[0044] After sending the securitization target data 106b etc. to the trust bank, the institution report data output unit 102d creates and outputs institution report data 106d in response to input to the guaranteed report generation screen ME in Fig. 10. The institution report data 106d includes a debt information file, a collection information file, and an MBS redemption information file, and the institution report data output unit 102d transmits the institution report data 106d to the Japan Housing Finance Agency. Fig. 11 is a diagram explaining the reporting flow to the Japan Housing Finance Agency.

[0045] Furthermore, because the securitization of the mortgage loan claims requires changes to the registration information, the registration information output unit 102e outputs registration information data 106e of the mortgage loan claims included in the securitization target data 106b in response to input to the registration information data output screen MD shown in Fig. 12. Fig. 13 is a diagram showing an example of the output registration information data 106e. The output registration information data 106e is sent to a judicial scrivener by mail or the like, as shown in Fig. 14, and the registration of the mortgage loan claims is changed.

[0046] As described above, according to this embodiment, when the securitization target data is output and transmitted to the trust bank after the housing loan contract, the recovery status of the previously securitized fund can be reported at the same time, and a report to the Japan Housing Finance Agency and registration information to a judicial scrivener can also be output, which makes it possible to improve the efficiency of operations. In addition, since the securitization target data, recovery status report data, agency report data, and registration information data are created based on the registered account transaction data, clerical errors during creation can be prevented and the management system can be improved.

[0047] [3. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to goals 8 and 9 of the SDGs.

[0048] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs Goals 12, 13, and 15.

[0049] Furthermore, this embodiment can contribute to strengthening control and governance, making it possible to contribute to Goal 16 of the SDGs.

[0050] [4. Other embodiments] The present invention may be embodied in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0051] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using known methods.

[0052] In addition, the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings may be changed as desired unless otherwise specified.

[0053] Moreover, with regard to the loan management device 100, the components shown in the figures are merely functional concepts, and the devices do not necessarily have to be physically configured as shown in the figures.

[0054] For example, the processing functions of the loan management device 100, particularly the processing functions performed by the control unit, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded in a non-transient computer-readable recording medium that includes programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the loan management device 100 as necessary. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into a RAM, and cooperates with the CPU to form a control unit.

[0055] In addition, this computer program may be stored in an application program server connected to the loan management device 100 via any network, and it is also possible to download all or a part of it as necessary.

[0056] In addition, the program for executing the process described in this embodiment may be stored in a non-transient computer-readable recording medium, or may be configured as a program product. Here, the "recording medium" includes any "portable physical medium" such as a memory card, a Universal Serial Bus (USB) memory, a Secure Digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) Disc.

[0057] Moreover, a "program" is a data processing method written in any language or description method, and may be in any form, such as source code or binary code. Note that a "program" is not necessarily limited to a single configuration, but also includes a configuration that is distributed as multiple modules or libraries, and a program that works with a separate program, such as an OS, to achieve its function. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in the embodiments, as well as the installation procedure after reading, may use well-known configurations and procedures.

[0058] The various databases etc. stored in the memory unit are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files etc. used for various processes and providing websites.

[0059] The loan management device 100 may be configured as an information processing device such as a known personal computer or a workstation, or may be configured as the information processing device to which any peripheral device is connected. The loan management device 100 may be realized by installing software (including programs or data) that causes the device to realize the processes described in this embodiment.

[0060] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be functionally or physically distributed and integrated in any unit according to various additions or functional loads. In other words, the above-mentioned embodiments can be implemented in any combination, or the embodiments can be implemented selectively. [Industrial Applicability]

[0061] The present invention is particularly useful for financial institutions that handle Flat 35 guaranteed housing loans. [Explanation of symbols]

[0062] 100 Loan management device 102 Control section 102a Securitization target data output section 102b Collection status report generation unit 102c Securitization Data Transmission Department 102d Organization report data output section 102e Registration information output section 104 Communication interface section 106 Storage section 106a Account Transaction Data 106b Securitization Data 106c Recovery Status Report Data 106d Organization Report Data 106e Registration information data 108 Input / Output Interface Section 200 Servers 300 Network 400 Input Device 500 Output Device

Claims

1. A loan management device including a control unit, Account transaction data storing mortgage loan information including customer name, loan amount, loan balance, etc. is accessible to The control unit is a securitization target data output means for outputting securitization target data with a fund number designated by a trust bank or the Japan Housing Finance Agency which performs securitization, based on the mortgage loan claim information extracted from the account transaction data after the total loan balance of the account transaction data reaches a certain amount; a collection status report generating means for continuously outputting collection status report data of the housing loan claims included in the securitization target data for each fund number after the securitization target data is determined; a securitization data transmission means for simultaneously transmitting, by email, to a trust bank, the securitization target data for which securitization has been newly confirmed, and the collection status report data for each fund of already securitized funds and funds to be newly securitized, after outputting the securitization target data and the collection status report data; A loan management device comprising:

2. The loan management device according to claim 1 , wherein the securitization target data includes debtor data, credit contract data, and credit performance data.

3. The control unit is The loan management device as described in claim 1 or 2, characterized in that it is equipped with an institution report data output means which outputs institution report data including a debt information file, a collection information file, and an MBS redemption information file of the securitization target data after the securitization data transmission means sends the data by email to the trust bank, and sends the data by email to the Japan Housing Finance Agency.

4. The control unit is 4. The loan management device according to claim 1, further comprising a registration information output means for outputting registration information for each mortgage loan included in the securitization target data.

5. A loan management program executed by a loan management device having a control unit, The loan management device includes: Account transaction data storing mortgage loan information including customer name, loan amount, loan balance, etc. is accessible to The control unit is a securitization target data output step of outputting securitization target data with a fund number designated by a trust bank or the Japan Housing Finance Agency that performs securitization, based on the mortgage loan claim information extracted from the account transaction data after the total loan balance of the account transaction data reaches a certain amount; a collection status report generating step of continuously outputting collection status report data of the housing loan receivables included in the securitization target data for each fund number after the securitization target data is determined in the securitization target data output step; a securitization data transmission step of simultaneously transmitting the securitization target data for which securitization has been newly confirmed and the collection status report data for each fund of already securitized funds and funds to be newly securitized, to a trust bank by email after the securitization target data output step and the collection status report generation step; A loan management program characterized by being executed by a computer.

6. A loan management method executed by a loan management device having a control unit, The loan management device includes: Account transaction data storing mortgage loan information including customer name, loan amount, loan balance, etc. is accessible to The control unit is a securitization target data output step of outputting securitization target data with a fund number designated by a trust bank or the Japan Housing Finance Agency that performs securitization, based on the mortgage loan claim information extracted from the account transaction data after the total loan balance of the account transaction data reaches a certain amount; a collection status report generating step of continuously outputting collection status report data of the housing loan receivables included in the securitization target data for each fund number after the securitization target data is determined in the securitization target data output step; a securitization data transmission step of simultaneously transmitting the securitization target data for which securitization has been newly confirmed and the collection status report data for each fund of already securitized funds and funds to be newly securitized, to a trust bank by email after the securitization target data output step and the collection status report generation step; containing, A loan management method comprising:

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