JP2005107724A - Subrogated performance system for guaranty company - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To perform subrogated performance within the range of subrogated performance fund reserved to prevent the management of a secure company from being pressed, and to protect a debtor incapable of payment without forcing loan collection, and to reduce the bad debts of a loan undertaker by performing subrogated performance to the other bad debts whose subrogated performance is not secured in the case of small subrogated performance. <P>SOLUTION: This subrogated performance system is constituted of an individual subrogated performance fund reserved calculating means 2 which calculates the balance total of a subrogated performance sum calculated by subtracting the first predetermined fee of a guaranty company from guarantee commission for subrogated performance paid by the debtor of each cooperative loan undertaker and a subrogated performance sum paid for subrogated performance for each loan undertaker and an individual subrogated performance decision means 3A which, when a claim for subrogated performance for a debtor who satisfies the first predetermined conditions is made, decides that all the sum is paid when the subrogated performance sum claimed calculated by the individual subrogated performance fund reserved calculating means 2 is within the range of the subrogated performance fund reserved, and decides that the subrogated performance fund reserved is short when the subrogated performance sum claimed exceeds the subrogated performance fund reserved. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

The present invention relates to a system in which a guarantee company repays a loan to a money lender for claims that cannot be collected by a money lender that has partnered with the guarantee company, and in particular, the guarantee company provides the money to the money lender within the scope of the reserve payment reserve. This is related to the substitute payment system of a guarantee company that pays the substitution.

In the past, when a money lender lends to a debtor, in consideration of the inability to repay the debtor, a repayment tie-up has been formed with a guarantee company. A specified guarantee fee is paid to a guarantee company with which a money lender is affiliated. In addition, when a debtor cannot repay, the money lender has a system to receive a substitute payment from a guarantee company when the debt cannot be collected.

However, in the conventional repayment system, the guarantee company always pays the lender all the receivables that the debtor is unable to repay, so if the debtor's repayment increases rapidly, the guarantee company As a result, there will be a shortage of surrogate payment reserves that have been accumulated in advance, which will put pressure on the management of the guarantee company. And the guarantee company whose business condition has deteriorated will forcibly collect the debts from the debtor for the debtors who have been reimbursed by the money lender, which will impose a heavy burden on the debtor. In addition, the guarantor's aggressive debt collection to the debtor will also reduce the credit of the lender who financed the debtor, which may lead to the loss of other good customers.
On the other hand, if the subrogation is small, the subrogation reserve will be collected as a tax at the end of the fiscal month of the guarantee company. There are also cases where there are bad loans, and if there are many bad loans that cannot be collected, the money lender may be crushed and the guarantor will lose the customer's money lender.

In view of the above-described problems, the present invention was created to solve the problems, and the object of the invention is to manage the guarantee company by subsidizing within the scope of the subrogation reserve. As a result, it is possible to protect the debtor who is unable to repay by avoiding the guarantor's rush to collect debts, and within the scope of the proxy payment reserve when the proxy payment is low. It is an object of the present invention to provide a substitute payment system of a guarantee company that can contribute to the reduction of bad debts of a money lender by performing substitute payments on other bad loans of a money lender that does not guarantee substitution payments.

  In order to achieve the above object, the invention of claim 1 is the proxy payment after subtracting the first predetermined fee of the guarantee company from the guarantee fee for the proxy payment deposited by the debtor of each affiliated lender. Individual substitution payment reserve calculation means to calculate the total balance of substitution payments paid by substitution payment and substitution payment for each lender, and consignment of debtors who satisfy the first predetermined condition from partner lenders If there is a claim for guarantee payment on behalf of a guaranteed loan, each lender will individually determine whether it is within the range of the substitute payment reserve calculated by the above-mentioned individual proxy payment reserve calculation means, Guarantee claims on behalf of individual consignees that are judged to be paid in full when the amount is within the scope of proxy reserves, and that there is a shortage of substitute reserves if the amount of claims for proxy guarantees exceeds the proxy reserves And the completion judging means, is made of.

  Further, the invention of claim 2 pays with the substitute payment amount after subtracting the first predetermined fee of the guarantee company from the guarantee fee for substitute payment deposited by the debtor of each affiliated lender. A separate proxy payment reserve calculation means for calculating the total balance of proxy payments separately for each lender, and a guaranteed loan claim payment request for a debtor who satisfies the first predetermined condition from a partner lender. If there is, the lender will individually determine whether it is within the range of the proxy payment reserve calculated by the above-mentioned individual proxy payment reserve calculation means. If it is within the range, it will be judged that the full amount will be paid, and if the amount of claims for guarantor-guaranteed repayment exceeds the proxy repayment reserve, it will be judged that the balance proxy repayment reserve will be paid at the time of judgment And, it is made of.

  Further, the invention of claim 3 pays with the substitution payment amount after subtracting the first predetermined fee of the guarantee company from the guarantee fee for substitution payment paid by the debtor of each affiliated lender. A separate proxy payment reserve calculation means for calculating the total balance of proxy payments separately for each lender, and a guaranteed loan claim payment request for a debtor who satisfies the first predetermined condition from a partner lender. If there is, the lender will individually determine whether it is within the range of the proxy payment reserve calculated by the above-mentioned individual proxy payment reserve calculation means. If it is within the scope, it will be judged that the full amount will be paid, and if the amount of the commissioned guarantee receivable substitution payment exceeds the substitute payment reserve, it will be postponed until the substitute payment reserve reaches the amount of the commissioned guarantee loan substitution payment And the individual entrusted with guaranteed loans subrogation decision means that, is made of.

  In addition, the invention of claim 4 is paid with the substitution payment amount after subtracting the first predetermined fee of the guarantee company from the guarantee fee for substitution payment deposited by the debtor of each affiliated lender. A separate proxy payment reserve calculation means for calculating the total balance of proxy payments separately for each lender, and a guaranteed loan claim payment request for a debtor who satisfies the first predetermined condition from a partner lender. If there is, the lender will individually determine whether it is within the range of the proxy payment reserve calculated by the above-mentioned individual proxy payment reserve calculation means. If it is within the scope, it will be determined that the full amount will be paid, and if the amount of claims for subrogated subrogation payment exceeds the subrogation payment reserve, it will be judged that the subrogation reserve will be insufficient. Guarantee claims that are not entrusted to uncollected claims that satisfy the second specified condition of each lender that is not guaranteed by the guarantee company when there is a balance of substitute payment reserves for each lender by the substitute payment reserve calculation means And a guarantee loan substitution repayment judging means without individual consignment for judging that a balance obtained by subtracting a second predetermined fee received by the guarantee company when a substitution repayment request is made is a guarantee loan substitute repayment without a consignment.

  In addition, the invention of claim 5 is paid with the substitution payment amount after subtracting the first predetermined fee of the guarantee company from the guarantee fee for substitution payment paid by the debtor of each affiliated lender. A separate proxy payment reserve calculation means for calculating the total balance of proxy payments separately for each lender, and a guaranteed loan claim payment request for a debtor who satisfies the first predetermined condition from a partner lender. If there is, the lender will individually determine whether it is within the range of the proxy payment reserve calculated by the above-mentioned individual proxy payment reserve calculation means. If it is within the range, it will be judged that the full amount will be paid, and if the amount of claims for guarantor-guaranteed repayment exceeds the proxy repayment reserve, it will be judged that the balance proxy repayment reserve will be paid at the time of judgment And for the uncollected claims that satisfy the second predetermined condition of each money lender that is not guaranteed by the guarantee company when there is a balance of substitute money reserve for each money lender by the above-mentioned individual proxy payment reserve calculation means It consists of a non-consigned guarantee receivable proxy payment determination means that determines the balance after subtracting the second predetermined fee received by the guarantee company when there is a request for subrogation of guarantee loan subrogation without consignment. .

Further, the invention of claim 6 pays with the substitute payment amount after subtracting the first predetermined fee of the guarantee company from the guarantee fee for substitute payment deposited by the debtor of each affiliated lender. A separate proxy payment reserve calculation means for calculating the total balance of proxy payments separately for each lender, and a guaranteed loan claim payment request for a debtor who satisfies the first predetermined condition from a partner lender. If there is, the lender will individually determine whether it is within the range of the proxy payment reserve calculated by the above-mentioned individual proxy payment reserve calculation means. If it is within the scope, it will be judged that the full amount will be paid, and if the amount of the commissioned guarantee receivable substitution payment exceeds the substitute payment reserve, it will be postponed until the substitute payment reserve reaches the amount of the commissioned guarantee loan substitution payment If there is a balance of substitute payment reserves for each lender by the means for calculating guarantee payments for guaranteed receivables with individual entrustment and the above-mentioned individual substitute payment reserve calculation means, the second of each loan provider not guaranteed by the guarantee company Guarantee claim price without individual consignment that determines the balance after subtracting the second prescribed fee received by the guarantor when there is a request for repayment of unguaranteed guarantee claim for uncollected claims that meet the prescribed conditions Payment judgment means.

As is clear from the above description, according to the substitution service system of the guarantee company pertaining to the inventions of claims 1 to 3, the substitution service is made within the scope of the substitution payment reserve, so pressure is placed on the management of the guarantee company. In this way, it is possible to avoid the guarantor from collecting the debt forcibly, thereby reducing the economic and psychological burden on the debtor who cannot repay, and protecting the debtor who cannot repay. In addition, it is possible to prevent a creditor from losing credit to the customer of the money lender as a result of the guarantor's aggressive collection of receivables, thereby preventing the money lender from losing a good customer.
In addition, according to the substitution service system of the guarantee company pertaining to the inventions of claims 4 to 6, in addition to the same effect as described above, when the substitution company has a balance in the substitution payment reserve with less substitution payment In other words, by applying the surrogate repayment reserve to the repayment of unguaranteed guarantee receivables for each lender, it is possible to contribute to the reduction of non-performing loans held by each lender. This has a very new and beneficial effect, such as preventing a money lender from decreasing due to bankruptcy.

Hereinafter, the present invention will be described more specifically based on the best mode for carrying out the invention described in the drawings.
Here, FIG. 1 is a diagram showing the relationship between a debtor, a lender, and a guarantee company, and FIG. 2 is a schematic block diagram of a computer equipped with an individual substitution payment reserve calculation means and an individual-guaranteed guarantee bond substitution payment judgment means FIG. 3, FIG. 3 is a schematic block diagram showing the contents of the individual proxy repayment reserve calculating means, FIG. 4 is a schematic block diagram showing the contents of the individually entrusted guaranteed loan proxy repayment judging means 3A, and FIG. 6 is a schematic block diagram showing the contents of the repayment judging means 3B, FIG. 6 is a schematic block diagram showing the contents of the guaranteed subrogation substitution repayment judgment means 3C with individual entrustment, and FIG. FIG. 8 is a schematic block diagram showing the contents of the computer provided with the repayment judgment means and the guarantee loan substitution repayment judgment means without individual entrustment, and FIG. It is a diagram.

  In FIG. 1, when the debtor A receives a loan from the money lender B, the debtor A concludes a guarantee entrustment contract with the guarantor company with which the money lender B is affiliated to repay the debt.

  When the guarantee contract is signed, the obligor A pays a guarantee fee to the guarantee company.

  The amount of the guarantee fee paid by the obligor A to the guarantee company 決 め is determined by the guarantee company 審査 after examination and notified to the money lender. The guarantee fee rate is n% of the loan amount, and this rate varies depending on the obligor A. Obviously, the obligor A who has a high possibility of debt repayment has a low rate.

  Guarantee company 徴 collects the first predetermined fee as the administrative fee from the guarantee fee when the guarantee fee is received from the obligor A or its lender who is acting on its behalf in accordance with the guarantee contract. Accumulate as a substitute payment reserve. The management of the substitute payment reserve is performed by the computer 1 of the guarantee company.

Computer 1 of Guarantor Company に は includes a plurality of lenders who have partnered with Guarantor Company に つ い て for guarantor-guaranteed repayment of consigned warranty claims and guarantor-guaranteed repayment of untrusted guarantees as necessary. paid at ₁ ... Otsu _m ·· subrogation amount of payment and subrogation after subtracting the first predetermined fee of guarantee company C from guarantee fees for subrogation, which is a payment by the debtor instep _m-k of each party B _n and guarantee payments total balance each money lender Otsu ₁ payments · Otsu _m · Otsu _n individual subrogation reserve calculation means for calculating separately for each 2 is incorporated. Inputs to the computer 1 are made by employees of the guarantee company for each money lender.

  When a guarantee contract is signed between the guarantee company 丙 and the obligor A, and the guarantee fee is paid, the computer 1 has borrowed the borrower A's name, address, date of birth, contract date, loan amount, borrowed amount, etc. The guarantee fee corresponding to the guarantee fee rate is entered together with the name of the money lender, the guarantee fee rate, etc. The computer 1 inputs the substitution payment amount after subtracting a first predetermined fee such as an administrative fee of the guarantee company from the inputted guarantee fee to the individual substitution payment reserve calculation means 2.

In individual subrogation reserve calculation means 2, if there is a payment of payment and subrogation of each moneylenders Otsu ₁ ... Otsu _m ·· every Otsu _n for subrogation from the debtor instep _m-k guarantee fee, owns it separately for each lender Otsu ₁ ... Otsu _m · Otsu _n, as the information is calculated in the total balance of subrogation reserves.

In addition, guarantee company in the computer 1 of Hei, when there is a commissioned guaranteed loans subrogation claims for the first predetermined condition is satisfied debtor instep from moneylenders Otsu of the alliance, each lender Otsu ₁ ... Otsu _m · individual consignment warranty claims subrogation determining means 3A for automatically determine this individually for each Party B _n, 3B, either 3C are incorporated.

3A is a guarantee for receivables repayment repayment judgment means for individual consignment. When there is a request for reimbursement of guaranteed receivables for consignment of obligor A that satisfies the first predetermined condition from partner lender B, in case basis whether the range of subrogation reserves calculated for each lender Otsu ₁ ... every Otsu _m ... Otsu _n, consignment warranty claims subrogation billings in the range of subrogation reserve In this case, it is determined that the entire amount will be paid, and when the amount of claims for subsidized guarantee receivables exceeds the proxy payment reserve, it is determined that the proxy payment reserve is insufficient, and the determination result is output immediately.

  Based on the result of this judgment, the employee of the guarantee company を will make a payment procedure to the applicable money lender in the case that the amount of the commissioned guarantee receivable proxy payment is within the range of the proxy payment reserve, and the proxy payment reserve Notifying money lenders who are short of payments that the reserve for subrogation is insufficient.

Guarantee claims repayment judgment means 3B with individual consignment is the above-mentioned individual substitute repayment reserve calculation means 2 when there is a request for repayment of guarantee claims on behalf of the obligor who satisfies the first predetermined condition from the affiliated money lender. in case basis whether the range of subrogation reserves calculated for each lender Otsu ₁ ... every Otsu _m ... Otsu _n, consignment warranty claims subrogation billings in the range of subrogation reserve In this case, it is determined that the entire amount will be paid, and when the amount of claims for guarantor-guaranteed proxy payment exceeds the proxy payment reserve, it is determined that the balance proxy payment reserve at the time of determination will be paid, and the determination result is immediately output.

  Based on the result of this judgment, the employee of the guarantee company 丙 will make a full payment procedure to the applicable money lender when the amount of the claim for subsidy payment is within the range of the subrogation reserve, When the amount of subrogation payment exceeds the subrogation reserve, a procedure is made to pay the balance subrogation reserve at the time of judgment to the applicable money lender.

3C for the guarantee for repayment of guarantor receivables with individual entrustment is the means for calculating the reserve for repayment of guarantor reimbursement with respect to the obligor A that satisfies the first specified condition from the partner lender. calculated whether the range of subrogation reserve is determined separately for each lender Otsu ₁ ... every Otsu _m ... Otsu _n, consignment guaranteed claims subrogation billings in the range of subrogation reserve Sometimes it is determined that the full amount will be paid, and when the amount of claims for subrogated subrogation payment exceeds the subrogation reserve, it will be judged that the subrogation reserve will be postponed until it reaches the amount of subrogated subrogation claim Is output immediately.

  Based on the result of this judgment, the employee of the guarantee company 丙 will make a full payment procedure to the applicable money lender when the amount of the claim for subsidy payment is within the range of the subrogation reserve, When the surrogate repayment amount exceeds the surrogate repayment reserve, the relevant lenders are notified that the payment will be postponed until the surrogate repayment reserve reaches the commissioned guarantee receivable substitution payment amount.

  The first predetermined conditions of the guaranteed loan substitution repayment judgment means 3A to 3C of the computer 1 include the conditions concerning the inability to repay the debtor, the conditions concerning the guarantee loan substitution payment procedure commissioned to the guarantee company, and the commission by the guarantee company This includes the conditions related to the examination of claims for guarantee claims.

  The first predetermined condition includes a portion that can be determined by the computer 1 and a confirmation determination portion by an employee of the guarantee company. The employee's confirmation determination portion determines whether there is no problem. Inputs affirmative contents such as “YES”, “OK”, “OK”, “Yes” to the computer 1. In addition, when there is a problem at first, but the problem is solved by correction or the like, contents indicating affirmation are input in the same manner as described above. On the other hand, when the employee determines that the problem is not solved, the contents indicating negative such as “NO”, “impossible”, “no”, etc. are input to the computer 1.

  Furthermore, if the guarantee company's computer 1 has a balance of substitute payment reserves for each loan provider by the individual substitute payment reserve calculation means 2 described above, each loan provider that is not guaranteed by the guarantee company In addition, a non-consigned guarantee receivable proxy payment determination means 4 is incorporated as necessary to determine that the balance is not guaranteed.

The individual consignment otherwise guarantee claims subrogation determining means 4, if there is the individual subrogation reserve calculation means each lender Party B by 2 ₁ .. Otsu _m .. The balance of subrogation reserve for each Party B _n, guarantee guarantee company C is received when the company C had commissioned otherwise guarantee claims subrogation according to the second predetermined condition is satisfied unrecovered loans each lender Otsu ₁ ... Otsu _m · Otsu _n that does not guarantee The balance obtained by subtracting the second predetermined fee is determined to be a guarantee reimbursement for unsecured claims, and the determination result is immediately output.

  Based on the result of this judgment, the employee of the guarantee company 支 払 う performs a procedure for paying the balance obtained by subtracting the second predetermined fee received by the guarantor あ っ た to the money lender B who has been requested to repay the guarantee loan.

  The second predetermined condition of the non-consigned guarantee loan substitution repayment judging means 4 of the computer 1 includes the condition concerning the inability to repay the debtor, the condition concerning the guarantee loan substitute payment request process without the commission to the guarantee company, and the guarantee loan without the commission by the guarantee company. The conditions regarding the examination for subrogation request are included.

  The second predetermined condition includes a portion that can be determined by the computer 1 and a confirmation determination portion by an employee of the guarantee company. The confirmation determination portion by the employee determines that the employee in charge determines and there is no problem. Inputs affirmative contents such as “YES”, “OK”, “OK”, “Yes” to the computer 1. If there is a problem at first, but the problem is solved by correction or the like, the content indicating affirmation is input as described above. On the other hand, if the employee determines that the problem is not solved, the contents indicating negative such as “NO”, “impossible”, “no”, etc. are input to the computer 1.

Note that the present invention is not limited to the best mode for carrying out the invention, and various modifications can be made without departing from the spirit of the invention.

It is a figure which shows the relationship of the three parties of a debtor, a money lender, and a guarantee company in the best form for implementing this invention. It is a schematic block diagram of the computer provided with the individual substitution payment reserve calculation means and the guarantee loan substitution payment judgment means with individual consignment in the best mode for carrying out the present invention. It is a schematic block diagram which shows the content of the individual substitution payment reserve calculation means in the best form for implementing this invention. It is a schematic block diagram which shows the content of 3A of guarantee loan substitute repayment judgment means with an individual trust in the best form for implementing this invention. It is a schematic block diagram which shows the content of the guarantee loan substitute repayment judgment means 3B with an individual trust in the best form for implementing this invention. It is a schematic block diagram which shows the content of 3C of guarantee loan substitution payment judgment means with an individual trust in the best form for implementing this invention. It is a schematic block diagram of a computer provided with an individual substitution repayment reserve calculation means, a guarantee loan substitution repayment judgment means with individual consignment, and a guarantee loan repayment judgment means without individual consignment in the best mode for carrying out the present invention. It is a schematic block diagram which shows the content of the guarantee loan substitute repayment judgment means without individual consignment in the best form for implementing this invention.

Explanation of symbols

1 computer
2 Individual substitution payment reserve calculation means 3A-3C Guarantee loan substitution payment judgment means with individual entrustment
4 Judgment method for guarantee receivable substitution without individual entrustment
Party A debtor
O Lender
丙 Guarantee company

Claims (6)

The total balance of the subrogation payment after subtracting the first predetermined fee of the guarantee company from the guarantee fee for subrogation paid by the debtor of each affiliated lender, and the subsidy payment paid by subrogation Individual proxy payment reserve calculation means for calculating individually for each money lender,
If there is a request for repayment of a guaranteed loan claim for a debtor who satisfies the first predetermined condition from a partner lender, whether or not it is within the range of the proxy payment reserve calculated by the above-mentioned individual proxy payment reserve calculation means Judgment is made individually for each lender, and it is determined that the full amount will be paid when the amount of the guaranteed loan claim repayment amount is within the range of the proxy payment reserve. Judgment for guarantee reimbursement of repayment of guaranteed receivables with individual entrustment that determines that the reserve for reimbursement is insufficient,
Guarantee company repayment system characterized by comprising The total balance of the subrogation payment after subtracting the first predetermined fee of the guarantee company from the guarantee fee for subrogation paid by the debtor of each affiliated lender, and the subsidy payment paid by subrogation Individual proxy payment reserve calculation means for calculating individually for each money lender,
If there is a request for repayment of a guaranteed loan claim for a debtor who satisfies the first predetermined condition from a partner lender, whether or not it is within the range of the proxy payment reserve calculated by the above-mentioned individual proxy payment reserve calculation means Judgment is made individually for each money lender, and if the amount of the commissioned guarantee receivable substitution payment is within the range of the substitution payment reserve, it is judged that the entire amount will be paid, and if the amount of the commissioned guarantee loan substitution payment exceeds the substitution payment reserve A means for determining the guarantee of substitution for guaranteed loans on behalf of individual trustees,
Guarantee company repayment system characterized by comprising The total balance of the subrogation payment after subtracting the first predetermined fee of the guarantee company from the guarantee fee for subrogation paid by the debtor of each affiliated lender, and the subsidy payment paid by subrogation Individual proxy payment reserve calculation means for calculating individually for each money lender,
If there is a request for repayment of a guaranteed loan claim for a debtor who satisfies the first predetermined condition from a partner lender, whether or not it is within the range of the proxy payment reserve calculated by the above-mentioned individual proxy payment reserve calculation means Judgment is made individually for each lender, and it is determined that the full amount will be paid when the amount of the guaranteed loan claim repayment amount is within the range of the proxy payment reserve. A means for determining the guarantee for subrogated subrogated payments for individual consignment, which determines that the payment is postponed until the reserve for the payment of the subrogated subrogation is paid.
Guarantee company repayment system characterized by comprising The total balance of the subrogation payment after subtracting the first predetermined fee of the guarantee company from the guarantee fee for subrogation paid by the debtor of each affiliated lender, and the subsidy payment paid by subrogation Individual proxy payment reserve calculation means for calculating individually for each money lender,
If there is a request for repayment of a guaranteed loan claim for a debtor who satisfies the first predetermined condition from a partner lender, whether or not it is within the range of the proxy payment reserve calculated by the above-mentioned individual proxy payment reserve calculation means Judgment is made individually for each lender, and it is determined that the full amount will be paid when the amount of the guaranteed loan claim repayment amount is within the range of the proxy payment reserve. Judgment for guarantee reimbursement of repayment of guaranteed receivables with individual entrustment that determines that the reserve for reimbursement is insufficient,
When there is a balance of proxy payment reserves for each money lender by the above-mentioned individual proxy payment reserve calculation means, there is no consignment to uncollected claims that satisfy the second predetermined condition of each money lender that is not guaranteed by the guarantee company Non-consigned guarantee receivable proxy payment determination means for determining the balance obtained by subtracting the second predetermined fee received by the guarantee company when there is a claim for subrogation of guarantee receivable proxy,
Guarantee company repayment system characterized by comprising The total balance of the subrogation payment after subtracting the first predetermined fee of the guarantee company from the guarantee fee for subrogation paid by the debtor of each affiliated lender, and the subsidy payment paid by subrogation Individual proxy payment reserve calculation means for calculating individually for each money lender,
If there is a request for repayment of a guaranteed loan claim for a debtor who satisfies the first predetermined condition from a partner lender, whether or not it is within the range of the proxy payment reserve calculated by the above-mentioned individual proxy payment reserve calculation means Judgment is made individually for each money lender, and if the amount of the commissioned guarantee receivable substitution payment is within the range of the substitution payment reserve, it is judged that the entire amount will be paid, and if the amount of the commissioned guarantee loan substitution payment exceeds the substitution payment reserve A means for determining the guarantee of substitution for guaranteed loans on behalf of individual trustees,
When there is a balance of proxy payment reserves for each money lender by the above-mentioned individual proxy payment reserve calculation means, there is no consignment to uncollected claims that satisfy the second predetermined condition of each money lender that is not guaranteed by the guarantee company Non-consigned guarantee receivable proxy payment determination means for determining the balance obtained by subtracting the second predetermined fee received by the guarantee company when there is a claim for subrogation of guarantee receivable proxy,
Guarantee company repayment system characterized by comprising The total balance of the subrogation payment after subtracting the first predetermined fee of the guarantee company from the guarantee fee for subrogation paid by the debtor of each affiliated lender, and the subsidy payment paid by subrogation Individual proxy payment reserve calculation means for calculating individually for each money lender,
If there is a request for repayment of a guaranteed loan claim for a debtor who satisfies the first predetermined condition from a partner lender, whether or not it is within the range of the proxy payment reserve calculated by the above-mentioned individual proxy payment reserve calculation means Judgment is made individually for each lender, and it is determined that the full amount will be paid when the amount of the guaranteed loan claim repayment amount is within the range of the proxy payment reserve. A means for determining the guarantee for subrogated subrogated payments for individual consignment, which determines that the payment is postponed until the reserve for the payment of the subrogated subrogation is paid.
When there is a balance of proxy payment reserves for each money lender by the above-mentioned individual proxy payment reserve calculation means, there is no consignment to uncollected claims that satisfy the second predetermined condition of each money lender that is not guaranteed by the guarantee company Non-consigned guarantee receivable proxy payment determination means for determining the balance obtained by subtracting the second predetermined fee received by the guarantee company when there is a claim for subrogation of guarantee receivable proxy,
Guarantee company repayment system characterized by comprising

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