PREPAYMENT FINANCIAL ASSISTANCE SYSTEM FOR COOPERATION BUSINESS FOR CO-PROSPERITY OF LARGE AND SMALL FIRMS AND METHOD THEREOF

Disclosed is a prepayment financial assistance system for a cooperation enterprise for accompanied growth of a large enterprise and a small and mid-sized enterprise. For the same, provided is the prepayment financial assistance system including: a cooperation enterprise server generating membership information and guarantee application information; an ordering enterprise server generating order information and price payment information; a guarantee organization server generating guarantee approval information; a financial institution server generating contract information, loan execution information and repayment information; and a prepayment financial assistance server which approves membership as to the cooperation enterprise in accordance with membership information, and receives guarantee approval information by delivering the guarantee application information and the order information to the guarantee organization server, and transmits guarantee application result to the cooperation enterprise server, and receives contract information from the financial institute server after transmitting loan contract application information to the financial institute server, and transmits order information and guarantee approval information to the financial institute server if a fixed payment account is registered in the ordering enterprise server by requesting the ordering enterprise server to register the fixed payment account in accordance with the contract information, and transmits loan execution information to the guarantee organization server, and receives repayment information by delivering the price payment information to the financial institute server if the price payment information is received from the ordering enterprise server. According to the present invention, the prepayment financial assistance system can manage risk efficiently through fixed payment account usage and guarantee as to the cooperation enterprise. 대중소기업 동반성장을 위한 협력기업 대상 선금성 자금지원 시스템이 개시된다. 이를 위하여, 회원가입 정보 및 보증신청정보를 생성하는 협력기업 서버, 발주정보 및 대금결제정보를 생성하는 발주기업 서버, 보증승인정보를 생성하는 보증기관 서버, 약정정보, 대출실행정보, 및 상환정보를 생성하는 금융기관 서버, 및 회원가입 정보에 따라 협력기업에 대한 회원가입을 승인하고, 보증신청정보 및 발주정보를 보증기관 서버로 전달하여 보증승인정보를 수신하며, 협력기업 서버로 보증신청결과를 전송하고, 금융기관 서버로 대출약정 신청정보를 전송한 후 금융기관 서버로부터 약정정보를 수신하며, 발주기업 서버로 약정정보에 따른 고정결제계좌 등록을 요청하여 고정결제계좌가 발주기업 서버에 등록되면, 발주정보 및 보증승인정보를 금융기관 서버로 전송하고, 대출실행정보를 보증기관 서버로 전송하며, 발주기업 서버로부터 대금결제정보가 수신되면 금융기관 서버로 전달하여 상환정보를 수신하는 선금성 자금지원 서버를 포함하는 선금성 자금지원 시스템을 제공한다. 본 발명에 의하면, 협력기업에 대한 보증과 고정결제계좌