JP2006277452A - Loan method and loan system with security document as collateral - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a loan method and a loan system with a security document as collateral, allowing easy reception of a loan from a bank with a stock or the like kept by a brokage firm as the collateral. <P>SOLUTION: When accessing a bank Web server 7 from a client 7 via the Internet 8 and applying for the loan on the basis of the security document, the bank Web server 7 outputs application information to a bank server 5, the bank server 5 inquires of a brokage firm server 1 whether collateral setting is possible or not in a state that a bank code is attached, the brokage firm server 1 calculates a collateral settable amount by a current price, a multiplier, quantity of the security document held by a user, and returns a result to the inquiry from the bank server 5, and the bank server 5 performs loan setting processing to a customer applying for the loan when the collateral setting is possible, and display-outputs loan setting completion to the client 9 through the bank Web server 7. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a lending method using securities as collateral, and more particularly to a lending method and a lending system that realizes lending with assets such as securities held by other financial institutions as collateral.

Customers who use financial institutions deposit deposits at banks, buy stocks at securities companies, and get insurance at life insurance companies and non-life insurance companies.
By the way, a bank has been financing a customer who bought a government bond at the bank with the government bond as collateral, and the securities company has secured the securities held by the securities company as collateral. There was a security collateral system to lend to customers.
Although there is a securities collateral system, the fact is that it is not used much.

  In addition, as a prior art related to depositing securities as collateral and lending according to the valuation value of collateral, Japanese Patent Laid-Open No. 2003-30562 published on January 31, 2003, “Securities Purchase System and There is a “purchase method” (Patent Document 1). This prior art is for purchasing new securities with securities as collateral, and has not been intended to receive cash loans based on securities.

  As a prior art for financing the shortage if the total amount of shortage and the balance of the existing loan is less than the valuation collateral if there is a shortage of necessary funds for the purchase order of securities, 2004 (2004) Japanese Patent Application Laid-Open No. 2004-127260, “Securities Trading Fund Financing System and Method” published on April 22 (Patent Document 2). In this prior art, the institution for lending and the institution for setting collateral are the same institution.

  In addition, as a prior art to monitor the maintenance rate required based on the market value and the loan amount of the collateral securities deposited as collateral by the loan institution, and when the maintenance rate exceeds a predetermined value, sell the collateral securities and settle the loan, There exists Unexamined-Japanese-Patent No. 2004-145486 "security-backed financial system and its financing method" of May 20, 2004 (patent document 3). In this prior art as well, the institutions that provide loans and the institutions that set collateral are the same institutions.

JP 2003-30562 A JP 2004-127260 A JP 2004-145486 A

  However, with conventional technology, even if a customer suddenly needs funds, even if they do not want to sell their shares or want to cancel their non-life insurance, they can sell their shares held in a securities company or make damages It is necessary to cancel the non-life insurance that is insured by the insurance company and create funds. In such a case, it is desired that the customer can receive a loan with the stocks as collateral.

  In addition, some of the above conventional technologies provide funds necessary for buying and selling securities using securities held by securities companies as collateral, but the securities brokerage business that can handle stocks at bank counters has permeated. As a result, it is less advantageous for banks to purchase securities without depositing at the bank, and a system that is profitable for banks that are engaged in securities brokerage has been desired.

  The present invention has been made in view of the above circumstances, and an object of the present invention is to provide a loan method and a loan system secured by securities that can be easily borrowed by a bank with stocks held by a securities company as collateral. And

  The present invention for solving the problems of the conventional example described above is that, in the financing method, the control unit of the bank server executes an inquiry about collateral including at least the loan amount desired by the specific customer to the securities company server. The control part of the company server calculates the amount of collateral that can be set from the quantity, market value, and coefficient of the customer's securities for which collateral inquiries were made, and compares the loan amount that received the collateral inquiry with the size of the collateral can be set If the loan amount is less than or equal to the collateral settable amount, the collateral setting process is performed and information indicating that the collateral can be set is sent to the bank server. The information that the collateral cannot be set is transmitted to the server, and the control unit of the bank server sets the loan to the specific customer according to the information that the collateral can be set from the securities company server. That.

  According to the present invention, in the above financing method, the control unit of the bank server accepts the loan application from the client of the customer and executes a collateral inquiry to the securities company server, and the collateral can be set or cannot be set from the securities company server. This information is output to the client of the customer.

  When the control unit of the securities company server transmits information indicating that collateral cannot be set to the bank server, the collateral settable amount of the customer is also transmitted to the bank server. The control unit outputs a collateral settable amount when outputting information indicating that the collateral cannot be set to the customer client.

  The present invention relates to the above financing method, wherein the control unit of the securities company server receives the brand information including the market price of the brand distributed from the stock exchange server, and sets the collateral according to the received market price and coefficient of the received brand. The balance corresponding to the unsecured portion of the securities is calculated as a collateral settable amount.

  When the control unit of the securities company server receives a notification that the customer who received the loan from the bank server has repaid a part of the loan amount in the loan method, the quantity of the securities corresponding to the repayment amount Is calculated from the market value and the coefficient of the multiplier, the quantity of securities corresponding to the repayment amount is subtracted from the collateral amount, added to the uncollateralized amount, and the collateral settable amount is updated.

  In the loan method described above, the control unit of the securities company server can add collateral by referring to the collateral settable amount when the market price of the collateral set drops and falls below the loan amount. If it is determined whether or not collateral can be added, a setting process for adding collateral is performed, and if collateral cannot be added, a sale process for securities set as collateral is performed.

  The present invention relates to a loan system including a securities company server connected to a bank server, wherein the control unit of the securities company server has a quantity of securities for a customer who has received a collateral inquiry including at least a desired loan amount from the bank server, Perform the process of calculating the collateral settable amount from the market price and the coefficient of the multiplier, perform the process of comparing the amount of the loan for which collateral inquiry was made and the collateral settable amount, and if the loan amount is less than the collateral settable amount, Perform processing to set collateral, send information that collateral can be set to the bank server, and information that collateral cannot be set to the bank server if the loan amount is not less than the collateral settable amount It is a control part which performs the process which transmits.

  According to the present invention, in the above-described loan system, the control unit of the bank server can process a collateral inquiry process including at least a loan amount desired by a specific customer to the securities company server, and collateral can be set from the securities company server. It is a control part which performs the setting process of a loan to a specific customer according to the information to that effect.

  In the loan system, the bank server control unit performs a process of accepting a loan application from a client of a customer, performs a collateral inquiry process to a securities company server, and can set collateral or set collateral from the securities company server. It is a control part which performs the process which outputs the information to the effect of being impossible to a customer's client.

  In the loan system, when the control unit of the securities company server transmits information indicating that the collateral cannot be set to the bank server, the present invention performs a process of transmitting the collateral settable amount of the customer to the bank server. The control unit of the bank server performs a process of outputting a collateral settable amount when outputting information indicating that the collateral cannot be set to the client of the customer.

  The present invention is a financing system in which a securities company server connects to a stock exchange server in the above financing system, and a control unit of the securities company server receives brand information including a market price of a brand distributed from the stock exchange server. It is a control unit that performs processing to calculate the balance corresponding to the unsecured portion of the customer's securities set as collateral according to the market price of the received issue and the coefficient of the multiplier, as a collateral settable amount .

  In the loan system, the control unit of the securities company server performs a process of receiving a notification that a customer who has received a loan from the bank server has repaid a part of the loan amount, and the value corresponding to the repayment amount. Performs processing to calculate the quantity of securities from the market value and the coefficient of the multiplier, subtracts the quantity of securities equivalent to the repayment amount from the collateral amount, adds it to the unsecured amount, and performs processing to update the collateral settable amount It is a control part.

  The present invention provides a process in which, in the above-described loan system, the control unit of the securities company server determines whether or not the market price of the brand set as collateral according to the brand information distributed from the stock exchange server falls and falls below the loan amount. If the amount is less than the loan amount, refer to the collateral settable amount and determine whether or not collateral can be added. If collateral can be added, perform setting processing to add collateral If the collateral cannot be added, the collateral-separated securities are sold.

  According to the present invention, the control unit of the bank server executes an inquiry about collateral including at least a loan amount desired by a specific customer to the securities company server, and the control unit of the securities company server makes a customer who has received the collateral inquiry. Calculate the amount of collateral that can be set from the quantity, market value, and factor of the securities, and compare the amount of collateral inquired and the amount of collateral that can be set, and if the loan amount is less than the collateral set amount, Perform processing to set collateral, send information to the bank server that collateral can be set, and if the loan amount is not less than the collateral settable amount, send information to the bank server that collateral cannot be set Since the bank server control unit uses a loan method for setting a loan to a specific customer in accordance with the information that the collateral can be set from the securities company server, the bank server is a value that is kept by the securities company. There is an effect that can be easily financing to customers as collateral the ticket.

  According to the present invention, information indicating that the control unit of the bank server accepts a loan application from the client of the customer and executes a collateral inquiry to the securities company server, and the collateral can be set or cannot be set from the securities company server. Therefore, the customer can easily know whether or not collateral can be set for the loan application.

  According to the present invention, when the control unit of the securities company server transmits information that the collateral cannot be set to the bank server, the collateral settable amount of the customer is also transmitted to the bank server, and the control unit of the bank server However, since it is the above-mentioned financing method that also outputs the collateral settable amount when outputting information indicating that the collateral cannot be set to the client of the customer, it is possible to notify the customer of the collateral settable amount even if collateral cannot be set. is there.

  According to the present invention, the control unit of the securities company server receives the brand information including the market price of the brand distributed from the stock exchange server, and the customer's securities set as collateral according to the market price of the received brand and the coefficient of the multiplier Since the above-described financing method is used to calculate the balance corresponding to the unsecured amount as the collateral settable amount, there is an effect that the appropriate collateral settable amount of the customer can be calculated according to the market price of the brand that changes every day.

  According to the present invention, when the control unit of the securities company server receives a notification that a customer who has received a loan from the bank server has repaid a part of the loan amount, the amount of the securities corresponding to the repayment amount is changed to the market price, Calculated from the coefficient of multiplication, the amount of securities corresponding to the repayment amount is subtracted from the collateral amount, added to the uncollateralized amount, and the above mortgage setting amount is updated. This has the effect of optimizing the amount of collateral, the amount of uncollateralized, and the amount of collateral that can be set.

  According to the present invention, the control unit of the securities company server refers to the collateral settable amount and determines whether or not collateral can be added when the market price of the brand set as collateral falls and falls below the loan amount. If it is possible to add collateral, the setting process for adding collateral is performed. If the collateral cannot be added, the mortgage-based securities are sold. Even if the market price of the issued stock falls and falls below the loan amount, there is an effect that it is possible to cope with the loss of the loaned bank.

  According to the present invention, there is provided a loan system including a securities company server connected to a bank server, and the control unit of the securities company server is valuable for a customer who has inquired about collateral including at least a desired loan amount from the bank server. The process of calculating the collateral settable amount from the number of securities, the market price, and the coefficient of the multiplier is performed, and the process of comparing the loan amount for which collateral inquiry was made with the size of the collateral settable amount is performed, and the loan amount is less than the collateral settable amount If the loan amount is not less than the collateral settable amount, the collateral cannot be set on the bank server by performing the process of setting the collateral and transmitting the information indicating that the collateral can be set to the bank server. Since the loan system is a control unit that performs processing to transmit information to the effect, the bank server can easily lend to customers using securities held by securities companies as collateral. There is an effect.

  According to the present invention, the control unit of the bank server processes the inquiry about collateral including at least the loan amount desired by the specific customer to the securities company server, and information that the collateral can be set from the securities company server Therefore, if the collateral can be set, the loan setting on the bank server can be facilitated.

  According to the present invention, the control unit of the bank server performs the process of accepting the loan application from the client of the customer, performs the collateral inquiry process to the securities company server, and the collateral can be set or cannot be set from the securities company server. Since the loan system is a control unit that performs processing for outputting the information to the client of the customer, there is an effect that the customer can easily know whether the collateral can be set for the loan application.

  According to the present invention, when the control unit of the securities company server transmits information indicating that the collateral cannot be set to the bank server, the bank server performs the process of transmitting the collateral settable amount of the customer to the bank server. Since the above-mentioned loan system performs the process of outputting the collateral settable amount when outputting information indicating that the collateral cannot be set to the client of the customer, the collateral settable amount is set to the customer even if the collateral cannot be set. There is an effect that can be informed.

  According to the present invention, the securities company server is a loan system that connects to the stock exchange server, and the control unit of the securities company server performs the process of receiving the stock information including the market price of the stock distributed from the stock exchange server. Since the above loan system is a control unit that performs processing to calculate the balance equivalent to the unsecured portion of the customer's securities set as collateral according to the market price of the received brand, and the coefficient of the multiplier, This has the effect of calculating the appropriate amount of collateral that can be set by the customer in accordance with the changing market price of the issue.

  According to the present invention, the control unit of the securities company server performs a process of receiving a notification that a customer who has received a loan from the bank server has repaid a part of the loan amount, and the quantity of securities corresponding to the repayment amount Is a control unit that performs processing to calculate the collateral amount by subtracting the amount of securities equivalent to the repayment amount from the collateral amount, adding it to the unsecured amount, Since the certain loan system is used, there is an effect that the collateral quantity, the uncollateralized quantity, and the collateral settable amount can be optimized according to the customer's repayment.

  According to the present invention, the control unit of the securities company server performs a process of determining whether or not the market price of the brand set as collateral according to the brand information distributed from the stock exchange server falls and falls below the loan amount, If the amount is less than the amount, refer to the collateral settable amount and determine whether or not collateral can be added. If collateral can be added, perform setting processing to add collateral. If the addition is not possible, the above-mentioned loan system that sells securities with collateral set is used, so even if the market value of the collateral set drops and falls below the loan amount, a loss will be incurred to the bank that provided the loan. There is an effect that can be dealt with.

[Outline of the embodiment]
The loan method and the loan system according to the embodiment of the present invention are such that a user (customer) who has contracted with a bank and a securities company accesses a bank's web server from a client via the Internet and applies for a loan based on the securities. The bank web server outputs the application information to the bank server, the bank server attaches the bank code, inquires whether it can be secured to the securities company server, and the securities company server holds the valuable information owned by the user. The amount of collateral that can be set is calculated based on the market value, credit, and quantity of the securities, and the result is returned to the inquiry from the bank server. If the collateral setting is not possible, the bank server displays and outputs the fact to the client via the bank web server. If the collateral setting is possible, the bank server performs the loan setting process for the user who applied for the loan, Display the loan setting completion to the client via the server.
Accordingly, the user can receive a cash loan from the bank based on the securities deposited with the securities company, which is highly convenient for users who need cash quickly.

[System Overview]
The configuration of the loan system according to the embodiment of the present invention will be described with reference to FIG. FIG. 1 is a configuration block diagram of a financing system according to an embodiment of the present invention.
As shown in FIG. 1, a loan system (this system) according to an embodiment of the present invention includes a securities company server 1, a collateral related database (DB) 2, a brand database (DB) 3, and a stock exchange server. 4, a bank server 5, a customer database (DB) 6, a bank web (Web) server 7, the Internet 8, and a client 9.

A plurality of clients 9 can be connected to the bank web server 7 via the Internet 8.
In FIG. 1, only one bank web server 7 and one bank server 5 are shown, but a plurality of bank web servers 7 are connected to a plurality of bank servers 5, and a plurality of bank servers 5 are securities companies. The structure connected to the server 1 may be sufficient.
The collateral-related DB 2 and the brand DB 3 may be integrated, and the bank server 5 and the bank web server 7 may be integrated.

[Configuration of each part]
Next, each part of this system is demonstrated concretely.
[Securities company server]
The securities company server 1 performs collateral determination processing as to whether or not collateral can be set in response to a collateral inquiry from the bank server 5, and performs balance calculation processing for each customer based on the brand information distributed from the stock exchange server 4.

In addition, the securities company server 1 performs collateral securities reduction processing according to the loan repayment from the customer. Further, when the market value of the securities declines, the securities company server 1 adds the collateral or the securities in advance under a contract with the customer. Perform sale processing.
The collateral determination process, the customer-specific balance calculation process, the collateral securities reduction process, and the process when the market value of securities declines will be described later.

[Internal configuration of securities company server]
Next, the internal configuration of the securities company server 1 will be described with reference to FIG. FIG. 2 is a block diagram showing an internal configuration of the securities company server 1.
As shown in FIG. 2, the internal configuration of the securities company server 1 basically includes a control unit 11, a main memory 12, a storage unit 13, and an interface unit 14.

The control unit 11 controls the entire securities company server 1. The control unit 11 reads the processing program stored in the storage unit 13, loads it into the main memory 12, expands it, and enables the processing program to be executed. The process is executed based on the data input via the.
The execution of the processing program of the control unit 11 realizes the collateral determination process, the balance calculation process for each customer, the collateral securities reduction process, and the process in the case of a decline in the market value of securities.

The main memory 12 is a memory that is loaded with a processing program and temporarily stores data, parameters, and the like necessary for processing.
The storage unit 13 includes a hard disk and stores processing programs, data, parameters, and the like.
The interface unit 14 is an interface unit for connecting the securities company server 1 to an external device, and there are one that connects to a network and one that connects to a database.

  Since servers and clients other than the securities company server 1 are also realized by a computer, their internal configurations are substantially the same as in FIG.

[Stock Exchange Server]
The stock exchange server 4 is installed in a stock exchange or the like, and distributes stock information (brand name and current value) that changes from time to time, and the closing price of the front or back market.

[Bank server]
The bank server 5 performs collateral inquiry processing to the securities company server 1 and performs customer-specific loan setting processing based on the determination result from the securities company server 1.
The collateral inquiry process and the customer-specific loan setting process in the bank server 5 will be described later.

[Bank Web Server]
The bank web server 7 is a web server that the client 9 accesses via the Internet 8, outputs a loan application from the client 9 to the bank server 5, and displays on the client 9 whether or not collateral can be set from the bank server 5. To do. The loan application screen will be described later.

[Customer DB]
As shown in FIG. 3, the customer DB 6 is provided with a customer inquiry table, a customer collateral result table as shown in FIG. 4, and a customer loan balance table as shown in FIG. 3 is a schematic diagram of a customer-specific inquiry table, FIG. 4 is a schematic diagram of a customer-specific collateral result table, and FIG. 5 is a schematic diagram of a customer-specific loan balance table.

  The customer-specific inquiry table is for registering items input by the client 9 on the loan application screen of the bank web server 7, and as shown in FIG. The code of the securities company, the desired loan amount, the stock code of the securities to be collateral, and the desired quantity of the collateral stock are set.

The customer-specific collateral result table is for registering the item notified from the securities company server 1 about the availability of the loan (whether the security is possible) in response to the inquiry about the loan. As shown in FIG. On the other hand, the securities company code, the loan amount, the brand code to be collateralized, the collateral quantity, and the collateral set flag are set.
The collateral set flag is set from 0 to 1 when collateral is set by the securities company server 1, and is information indicating that collateral has been set.

In the loan balance table for each customer, when collateral is set, as shown in FIG. 5, an account number into which the loan amount is transferred and the loan amount are set for the customer ID.
In the balance table for each customer, when all or part of the repayment is made from the customer, the control unit of the bank server 5 subtracts the repayment amount and sets the loan balance to the loan amount. Then, the control unit of the bank server 5 transmits information indicating that the repayment has been made (returned customer ID, repayment amount, etc.) to the securities company server 1.

[Collateral related DB]
As shown in FIG. 6, the collateral relation DB 2 is provided with a balance management status table for each customer, a balance table for each customer as shown in FIG. 7, and a collateral check table as shown in FIG. 8. . 6 is a schematic diagram of a balance management status table for each customer, FIG. 7 is a schematic diagram of a balance table for each customer, and FIG. 8 is a schematic diagram of a collateral check table.

  As shown in FIG. 6, when the control unit of the securities company server 1 determines that collateral can be set, the customer-specific balance management status table shows the collateral target brand and the non-collateral target brand as shown in FIG. It is a table for managing the balance. For each customer ID and its brand code, the collateral settable amount by brand, balance quantity, collateral quantity, unsecured part, collateral set flag, bank code, loan amount Is set.

The collateral quantity is the quantity of securities of a certain brand for which collateral is set, and the uncollateralized quantity is the quantity of securities for which no collateral is set for that brand. The balance quantity is the total of the collateral quantity and the unsecured quantity.
In addition, the amount of collateral that can be set by issue is the amount calculated by multiplying the balance amount by the market value of the issue and the coefficient of the collateral item table when collateral is not set, and collateral is set Is an amount calculated by multiplying the uncollateralized portion by the market value of the securities and the coefficient of the collateral table.

  For customers with collateral, non-collateral issues are also set in the balance management status table for each customer because the market value of the collateral issue drops and falls below the loan amount. This is for determining whether to add collateral or sell the collateral target brand. Processing in the case where the market price of the collateral subject brand drops will be described later.

As shown in FIG. 7, the customer-specific balance table is set with customer IDs, brand codes, and total number of brands held for the customers for which the control unit of the securities company server 1 has set collateral.
Here, even if the customer with ID “x” has collateral set for a part of the brand code “AAA”, the quantity is also set for the brand code “CCC” that is not collateralized.

  As shown in FIG. 8, in the collateral table, coefficients are set in advance for the types of securities. This coefficient is multiplied by the market value of the securities depending on the type of the securities, and indicates the stability or reliability of the securities.

[Brand DB]
The brand DB3 is provided with a brand-specific market price table as shown in FIG. FIG. 9 is a schematic diagram of the market price table for each brand.
As shown in FIG. 9, the brand-specific market price table is a table that stores the market price per share for each brand of securities distributed from the stock exchange server 4.
The brand-specific market price table may be updated in real time based on the market price received in real time from the stock exchange server 4, or may be periodically updated once or twice a day.

[client]
The client 9 accesses the bank web server 7 via the Internet 8 and applies for a loan. A loan application display screen is shown in FIG. FIG. 10 is a schematic diagram of a loan application display screen.
As shown in FIG. 10, the loan application display screen is for prompting the customer to input items related to the loan. The input items include the customer ID, the request for loan application, the securities company code, and the loan amount. The client 9 inputs the stock code as collateral and the desired quantity (number of shares, etc.). The input loan item is transmitted from the client 9 to the bank web server 7 via the Internet 8.
In FIG. 10, only one brand as collateral is input, but a plurality of desired quantities may be input for a plurality of brands. Similarly, a plurality of brokerage company codes may be input.

[Processing of this system]
Next, processing contents in this system will be described.
In this system, when there is a loan application from the client 9, the bank web server 7 outputs it to the bank server 5, and the bank server 5 executes a collateral information inquiry process to the securities company server 1 (FIG. 11).

In response to the collateral information inquiry process from the bank server 5, the securities company server 1 executes a collateral determination process for determining whether collateral can be set (FIG. 13).
The bank server 5 receives the collateral result information based on the collateral determination process in the securities company server 1 and displays and outputs the result to the client 9 via the bank web server 7. The customer-specific loan setting process to be set is executed (FIG. 12).

Further, the securities company server 1 executes a balance calculation process for each customer that periodically calculates a balance for each customer based on the market price of the securities that change daily (FIG. 14).
In addition, when the customer repays the loan, the securities company server 1 executes collateral securities reduction processing according to the repayment (FIG. 15).
In addition, as a result of calculating the balance by customer, the securities company server 1 executes collateral addition processing or collateral securities sales processing when the market value of the collateral-set stock drops and falls below the loan amount (FIG. 16).
Each of the above processes will be specifically described below with reference to the drawings.

[Bank information inquiry processing in bank server]
First, the collateral information inquiry process in the bank server 5 will be described with reference to FIG. FIG. 11 is a flowchart of the collateral information inquiry process in the bank server.
As shown in FIG. 11, the control unit in the bank server 5 determines whether or not there has been a loan application from the bank web server 7 (S1), and if there is no application (in the case of No), repeats the determination process.

When there is a loan application (in the case of Yes), collateral inquiry information is set in the customer-specific inquiry table (S2), and a bank code is added and transmitted to the securities company server 1 (S3).
Here, the collateral inquiry information is an item input from the loan application display screen of FIG. 10 and includes a customer ID, a securities company code, a loan amount, a brand to be collateral, and a desired quantity.

[Bank setting by customer in bank server]
Next, the loan setting process for each customer in the bank server 5 will be described with reference to FIG. FIG. 12 is a flowchart of loan setting processing for each customer in the bank server.
As shown in FIG. 12, the control unit of the bank server 5 determines whether or not the customer-specific collateral result information is received from the securities company server 1 (S11), and if not received (in the case of No), Repeat the determination process.
As collateral result information by customer, customer ID, securities company code, loan amount, collateral code, collateral quantity, collateral set flag (value is "1": collateral cannot be set, collateral) Become.

If customer-specific collateral result information is received (in the case of Yes), it is determined from the result information whether collateral can be set (S12).
If collateral can be set (in the case of Yes), collateral result information is set in the customer-specific collateral result table (S13). And a loan balance table is set based on collateral result information (S14). Further, the collateral setting completion is displayed and output to the client 9 via the bank web server 7 (S15).

If the collateral setting is not possible in the determination process S12 (in the case of No), the control unit of the bank server 5 displays and outputs the collateral setting impossibility to the client 9 via the bank web server 7 (S16).
When displaying information indicating that collateral setting is impossible on the client 9, the collateral setting possible amount may also be received from the securities company server 1 and notified to the client 9.

[Securities judgment processing in securities company server]
Next, the collateral determination process in the securities company server 1 will be described with reference to FIG. FIG. 13 is a flowchart showing collateral determination processing in the securities company server.
As shown in FIG. 13, the control unit 11 of the securities company server 1 determines whether collateral inquiry information has been received from the bank server 5 (S21), and if collateral inquiry information has been received (in the case of Yes). Then, it is determined whether or not the customer ID in the collateral inquiry information is already in the customer-specific balance management status table (S22), and if the ID is not in the customer-specific balance management status table (in the case of No), the collateral inquiry information is It is set in another balance management status table (S23). Then, the collateral settable amount for each brand is calculated (S24).

  The amount of collateral that can be set for each issue refers to the issue and the desired quantity as collateral in the collateral inquiry information, reads the market value of the issue from the issue price table, and uses the collateral table to determine the coefficient corresponding to the type of securities. It is calculated by reading and multiplying the desired quantity, market price, and coefficient.

If the customer ID is in the balance management status table for each customer in the determination process S22 (in the case of Yes), the collateral settable amount for each brand in the balance management status table for each customer is referred to (S25). It is determined whether another collateral settable amount ≧ loan amount (S26).
If collateral settable amount by brand <loan amount (in case of No), if collateral inquiry information is set in the balance management status table by customer, the setting information is deleted (S27), and the customer that collateral cannot be set Separate collateral result information is transmitted to the bank server 5 (S28).

Further, in the determination process S26, if the collateral settable amount by brand is equal to or greater than the loan amount (in the case of Yes), the collateral quantity and the collateral set flag “1” are set in the customer-specific balance management status table (S29) Set the loan amount. At this time, an amount obtained by multiplying the uncollateralized quantity by the value calculated by multiplying the market value and the coefficient of the multiplication factor is set in the collateral settable amount by brand. Thereby, the present collateral settable amount can be determined for the brands held for the customer ID.
Subsequently, if it is not registered in the balance table for each customer, registration is performed (S30), a collateral result for each customer indicating that collateral has been set is transmitted to the bank server 5 (S31), and the processing is terminated.

[Balance calculation by customer in securities company server]
Next, the balance calculation processing for each customer in the securities company server 1 will be described with reference to FIG. FIG. 14 is a flowchart of balance calculation processing for each customer in the securities company server.
As shown in FIG. 14, the control unit 11 of the securities company server 1 reads the brand in the balance table for each customer in the collateral related DB 2 (S41), and subsequently determines whether all brands have been referenced (S42). If the brand name is referred to (Yes), the process is terminated.

If all the brands are not referred to (in the case of No), the brand-specific market value table and the collateral multiplication table are referred to for the brands read, and the market price and the coefficient of the multiplication are read (S43).
Then, a customer-specific balance is calculated based on the corresponding quantity, market price, and coefficient in the customer-specific balance table (S44). Further, the collateral settable amount corresponding to the unsecured portion is calculated from the balance by customer and set (updated) in the balance management status table by customer (S45). And it returns to process S41.

  Here, for the issue code “AAA” in FIG. 6, when calculating the balance by customer, the corresponding quantity in the balance table by customer is 5000 shares, and the market value of “AAA” in the issue market price table is 1000 yen. Since the coefficient of the stock is 0.7 in the multiplication table, it becomes 5000 shares × 1000 yen × 0.7 = 3.5 million yen (balance by customer).

The amount of collateral that can be set for each brand is calculated by the following formula for each brand.
Amount of collateral that can be set by issue = balance by customer-(collateral quantity x market value x coefficient)
For example, if the collateral settable amount for each issue is calculated for the issue code “AAA” in FIG. 6, the market value of “AAA” is 1000 yen in the issue market price table, the coefficient of stock is 0.7 in the collateral check table, Since the amount of collateral in the balance management status table is 2000 shares, it is 3.5 million yen-(2000 shares x 1000 yen x 0.7) = 2.1 million yen (amount of collateral that can be set for each brand).
Further, as a simple calculation, the collateral settable amount by brand = unsecured portion × market value × multiplication factor may be used.

[Processing of collateral securities reduction by repayment at a securities company server]
Next, collateral securities reduction processing by repayment in the securities company server will be described with reference to FIG. FIG. 15 is a flowchart of collateral securities reduction processing by repayment in the securities company server.
As shown in FIG. 15, the control unit 11 of the securities company server 1 determines whether or not there is a repayment notice from the bank server 5 by the user (S51). If there is a repayment notice (in the case of Yes), the collateral quantity to be reduced is calculated from the repayment amount in the repayment notice, the market price of the corresponding issue, and the coefficient of the multiplication (S52).

Next, a process of subtracting the collateral quantity in the customer balance management status table and adding the uncollateralized quantity is performed (S53). In the balance management status table for each customer, the repayment amount is subtracted from the loan amount and set.
In this way, when the user repays, the collateral quantity is reduced and the uncollateralized quantity is increased.
Furthermore, if the entire unsecured portion has been repaid, the item related to the collateral for the ID is deleted from the customer-specific balance management status table and the customer-specific balance table (S54), and the processing is terminated.

[Processing when the market value of securities on the securities company server falls]
Next, processing when the market value of securities in the securities company server falls will be described with reference to FIG. FIG. 16 is a flowchart showing processing when the market value of securities in the securities company server falls.
As shown in FIG. 16, the control unit 11 of the securities company server 1 determines whether or not the market price of the collateral-set stock has fallen as a result of the balance calculation process for each customer in FIG. 14 (S61). If it is below the loan amount (in the case of Yes), it is determined from the balance management status table for each customer whether there is any securities that can be collateral added (S62).
Note that whether or not the loan amount is below the loan amount is determined by referring to the loan amount in the customer-specific balance management status table.

  As a result of the determination in step S62, if there is a security-added securities (in the case of Yes), a collateral-added flag is set for the security-added securities in the customer-specific balance management status table (S63). If there is no security (in the case of No), the security processing for selling the security set is performed (S64), and the processing is terminated.

In the case of a decline in the market value of securities with collateral, the addition or sale of collateral is agreed in advance between the securities company and the customer.
In the above case, when the loan amount falls below, the collateral addition process or the collateral securities sale process is immediately performed. However, even if the balance by customer falls below the loan amount, a specific ratio (for example, 5 %), The collateral addition process or the like may be executed without exceeding the ratio.

[Application Example 1]
When there is no collateral securities that match the desired loan amount in the collateral judgment process of the securities company server 1 for the loan application from the client 9, the loan amount is set to the bank according to the securities that can actually be collateralized. It may be transmitted to the server 5 and further notified to the client 9. Thereby, the customer can easily know the loanable amount.

[Application 2]
The bank web server 7 or the bank server 5 receives the brand information from the stock exchange server 4, determines whether or not it can be financed independently without inquiring the securities company server 1, and displays it on the client 9. Also good.

[Effect of the embodiment]
According to this method and this system, when cash is required, a customer can easily obtain a loan from a bank using securities held by a securities company as collateral.
In addition, since banks can lend to customers using securities held by securities companies as collateral, there is an effect of increasing the merit of performing securities brokerage.

  Moreover, according to this method and this system, since the collateral quantity of securities is changed according to the repayment status of the customer, there is an effect that an appropriate collateral quantity is always set for the customer.

  In addition, according to this method and this system, when the market value of securities falls and falls below the loan amount, collateral securities are added or collateral securities are sold and used for loan repayment. Therefore, it is possible to flexibly cope with the decline in the market price, and it is possible to prevent the loss of the loss for the bank that provided the loan.

  INDUSTRIAL APPLICABILITY The present invention is suitable for a loan method and a loan system using securities that can be easily lent at banks using stocks held at securities companies as collateral.

1 is a configuration block diagram of a loan system according to an embodiment of the present invention. 2 is a block diagram showing an internal configuration of a securities company server 1. FIG. It is the schematic of an inquiry table classified by customer. It is the schematic of a collateral result table classified by customer. It is the schematic of a loan balance table classified by customer. It is the schematic of a balance management situation table classified by customer. It is the schematic of a balance table classified by customer. It is the schematic of a security | security cover table. It is the schematic of the market price table classified by brand. It is the schematic of the display screen of loan application. It is a flowchart of the collateral information inquiry process in a bank server. It is a flowchart of the loan setting process classified by customer in a bank server. It is a flowchart which shows the collateral determination process in a securities company server. It is a flowchart of the balance calculation processing classified by customer in a securities company server. It is a flowchart of collateral securities reduction processing by repayment in a securities company server. It is a flowchart which shows a process when the market value of the securities in the securities company server falls.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Securities company server, 2 ... Collateral related DB, 3 ... Brand DB, 4 ... Stock exchange server, 5 ... Bank server, 6 ... Customer DB, 7 ... Bank web server, 8 ... Internet, 9 ... Client, 11 ... Control unit, 12 ... main memory, 13 ... storage unit, 14 ... interface unit

Claims (13)

The control unit of the bank server issues a collateral inquiry including at least the desired loan amount of the specific customer to the securities company server,
The control unit of the securities company server calculates the amount of collateral that can be set from the quantity, market value, and factor of the customer's securities that have received collateral inquiries, and compares the loan amount that has received collateral inquiries with the amount of collateral that can be set If the loan amount is less than the collateral settable amount, a process for setting the collateral is performed and information indicating that the collateral can be set is transmitted to the bank server. If the loan amount is not less than the collateral settable amount, Send information to the bank server that collateral cannot be set,
A loan method, wherein a control unit of a bank server sets a loan to a specific customer in accordance with information indicating that collateral can be set from a securities company server.   The bank server control unit accepts a loan application from the client of the client, executes a collateral inquiry to the securities company server, and outputs information to the customer client that the collateral can be set or cannot be set from the securities company server The financing method according to claim 1, wherein: When the control unit of the securities company server sends information that the collateral cannot be set to the bank server, the collateral settable amount of the customer is also sent to the bank server,
3. The financing method according to claim 2, wherein when the control unit of the bank server outputs information indicating that the collateral cannot be set to the client of the customer, the collateral settable amount is also output.   Equivalent to the unsecured portion of the customer's securities set as collateral according to the market price of the received brand, and the coefficient of the multiplier, when the control unit of the securities company server receives the brand information including the market price of the brand delivered from the stock exchange server The loan method according to any one of claims 1 to 3, wherein the balance to be calculated is calculated as a collateral settable amount.   When the control unit of the securities company server receives a notification that the customer who received the loan from the bank server has repaid a part of the loan amount, the amount of the securities corresponding to the repayment amount is calculated from the market price and the coefficient of the multiplier. 5. The financing method according to claim 4, wherein the amount of securities corresponding to the repayment amount is subtracted from the collateral amount, added to the uncollateralized amount, and the collateral settable amount is updated.   The control unit of the securities company server determines whether or not collateral can be added by referring to the collateral settable amount when the market value of the collateralized stock falls and falls below the loan amount, and adds collateral. 6. The lending method according to claim 4 or 5, wherein a setting process for adding collateral is performed if the collateral is possible, and if the collateral cannot be added, the selling process for the collateralized securities is performed. A loan system comprising a securities company server connected to a bank server,
The control unit of the securities company server calculates the amount of collateral that can be set from the quantity, market value, and factor of the securities for customers who have received collateral inquiries that include at least the desired loan amount from the bank server. Processing to compare the amount of loan inquired and the amount of collateral settable, and if the loan amount is less than the collateral settable amount, collateral is set and collateral can be set in the bank server A loan system characterized by being a control unit that performs a process of transmitting the information and sending information indicating that the collateral cannot be set to the bank server if the loan amount is not equal to or less than the collateral settable amount.   The control unit of the bank server processes the collateral inquiry including at least the desired loan amount of the specific customer to the securities company server, and the loan to the specific customer according to the information that the collateral can be set from the securities company server. The loan system according to claim 7, wherein the loan system is a control unit that performs setting processing.   The control unit of the bank server performs a process of accepting a loan application from the client of the customer, performs a collateral inquiry process to the securities company server, and obtains information indicating that the collateral can be set or cannot be set from the securities company server. The loan system according to claim 8, wherein the loan system is a control unit that performs processing to be output to a client. When the control unit of the securities company server sends information indicating that the collateral cannot be set to the bank server, the collateral settable amount of the customer is also sent to the bank server,
The loan system according to claim 9, wherein the control unit of the bank server performs a process of outputting a collateral settable amount when outputting information indicating that the collateral cannot be set to a client of the customer. A loan system in which a securities company server connects to a stock exchange server,
The control unit of the securities company server performs processing to receive the stock information including the market price of the stock distributed from the stock exchange server, and the unsecured customer's securities collateralized according to the received market price and multiplier The loan system according to any one of claims 7 to 10, wherein the loan system is a control unit that performs a process of calculating a balance corresponding to minutes as a collateral settable amount.   The control unit of the securities company server performs processing to receive a notification that the customer who received the loan from the bank server has repaid a part of the loan amount. It is a control unit that performs processing to calculate from the above, subtracts the amount of securities corresponding to the repayment amount from the collateral amount, adds it to the unsecured amount, and updates the collateral settable amount The loan system according to claim 11.   When the control unit of the securities company server performs processing to determine whether the market price of the collateral set according to the brand information distributed from the stock exchange server falls and falls below the loan amount, and falls below the loan amount , Refer to the collateral settable amount, perform the process to determine whether or not collateral can be added, and if collateral can be added, perform the setting process to add collateral and if collateral cannot be added 13. The loan system according to claim 11 or 12, wherein a sale processing of securities set as collateral is performed.

Images