The composition and operation management system for order draft security loan product of small and medium suppliers

The present invention relates to a system for managing the configuration and operation of a purchase order mortgage product of a small partner. More specifically, funds are supported to small-to-medium-sized businesses that need funds at a relatively low interest rate at a good time, thereby being able to contribute to stabilizing the management of the small-to-medium-sized businesses and to economic revitalization, the virtuous cycle of financial capital, and the soundness of the industrial ecosystem. In the case of an order, for which loans are made from an order date to a payment date of account receivables, and an order contract-based loan, a load period is increased for a period from the order date to an account receivable occurrence date to increase a loan scale, and thus the profitability of investors (funds and financial institutions) is improved, and the small-to-medium-sized businesses can receive funds before delivery to be able to use the borrowing funds to buy raw materials and equipment, thereby being capable of contributing to solving the financial difficulties of the small-to-medium-sized businesses. Through the performance guarantee of a deposit-taking institution for the order and the order contract mortgage, the safety of lending (investment) of investors can be improved, thereby being capable of extending the range of small-to-medium-sized businesses for which loans (investments) are made. Through a pooling effect of the loans by the funds, the risk can be spread, thereby reducing the risk of the deposit-taking institution and fund investors. The funds operated by asset management companies allow loans to be granted to the small-to-medium-sized businesses, and financial institutions can directly grant loans thereto. The system includes an ordering company terminal, a small-to-medium-sized business terminal, a deposit-taking institution server, a large and small-to-medium sized business cooperation foundation server, and a fund or financial institution server. 본 발명은 중소협력사의 발주서 담보대출상품의 구성과 운영관리시스템에 관한 것으로서, 더욱 상세하게는 자금을 필요로 하는 납품 중소기업에게 상대적으로 낮은 금리로 적기에 자금을 지원하여 중소기업의 경영 안정화에 기여함은 물론 경제 활성화와 금융자본의 선순환 및 산업 생태계의 건전성에 기여할 수 있고, 발주일부터 매출채권 지급일에 이르기까지 대출이 실행되는 발주주문 및 발주계약 기반 대출의 경우 발주일로부터 매출채권 발생일까지의 기간만큼 대출기간이 증가하여 대출규모가 증가하므로 투자자(펀드 및 금융기관)의 수익성이 제고될 수 있음은 물론 중소기업의 경우 납품 전에 자금지원을 받을 수 있으므로 차입자금을 원자재 및 설비 구입에 활용할 수 있어 중소기업 자금난 해소에 기여할 수 있으며, 발주주문 및 발주계약 담보 대출에 대한 보증기관의 이행보증을 통해 투자자의 대출(투자) 안전성을 제고하여 대출(투자)이 가능한 중소기업 범위의 확장이 가능하고, 펀드에 의한 대출채권