JP2000207476A - Interest rate provisional estimation system and interest rate provisional estimation method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce the burden of a controlling company performing provisional estimation when interest adjustment is performed. SOLUTION: The customer fund management database 30 of a bank database server 16 is stored with fund transfer results information. A server 18 for cash management for performing provisional estimation is prepared on the bank side in addition to the bank database server 16. The server 18 receives a provisional estimation parameter needed to perform provisional estimation from a personal computer 20 for cash management located at a controlling company, also fetches the fund transfer result information from the server 16 to perform provisional estimation and transmits the provisional estimation results to the computer 20 for cash management of the controlling company.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an interest setting estimation system and an interest setting estimation method.
Based on the results of funds transfer between the controlling company and group companies,
The present invention relates to an interest setting estimation system and an interest setting estimation method for a controlling company to make an estimation when setting an interest.

[0002]

2. Description of the Related Art As shown in FIG. 6, in a corporate group having a certain size, in addition to a supervising company 100 for central business, a number of group companies 110 for related business and incidental business are established. Often. In other words, one controlling company 100 as a group parent company or a group financial subsidiary, and one or a plurality of group companies 110 performing related business and incidental business constitute one corporate group.

[0003] It is important for the headquarters company 100 and the group companies 110 to efficiently utilize the funds by financing the funds. That is, it is important that the controlling company 100 centrally manages the procurement and operation of funds for the entire corporate group. In this case, the controlling company 1
00 has one controlling account and each group company 110
Each have a centralized account. Then, each group company 110 withdraws necessary funds from the centralized account or deposits surplus funds into the centralized account to carry out business during the daytime banking hours. In this centralized account, the base amount is set to zero yen, the balance will be negative if the withdrawal amount is larger than the deposit amount, and the balance will be positive if the deposit amount is smaller than the withdrawal amount . In this way, the group company 110 performs normal daytime operations using the centralized account.

At night, the balance is settled between the controlling account of the controlling company 100 and the concentrated account of the group company 110. That is, various balances are generated in the concentrated accounts of each group company 110 due to daytime operations. For example, as for the concentration account of the group company A, the withdrawal amount is larger than the deposit amount, and as a result, the balance is negative. As for the concentration account of the group company B, the withdrawal amount is smaller than the deposit amount, The balance may be positive. In such a case, from the centralized account of the positive group company B, the balance is transferred from the centralized account to the centralized account of the supervising company 100, and the balance is reduced to zero. Further, in the centralized account of the group company A which is negative, the shortage is transferred from the centralized account of the supervising company 100 to the centralized account, and the balance is reduced to zero. In this way, the balances of the central accounts of the group companies A to D are set to zero at night, and the settlement is performed between the central account of the central company 100 and the central account of the group company 110.

If the above-described settlement process is repeated every day, it is necessary to set interest on the amount of borrowed money and to settle the borrowing relationship at regular intervals. That is, the controlling company 10
If you borrow money from 0 to group company 110,
The group company 110 needs to pay a certain interest to the controlling company 100. On the other hand, when the controlling company 100 deposits funds from the group company 110, the controlling company 100 needs to pay a certain interest to the group company 110.

[0006]

As will be understood from the above description, when transferring funds between the controlling company 100 and the group company 110 in order to centrally manage the procurement and operation of funds, the controlling company 100 Since the group company 110 and the group company 110 are separate corporations, it is necessary to settle the loan relationship between the two in accordance with the transfer of funds, and it is necessary to settle the interest associated with the loan. When performing the interest settlement, the supervising company 100 needs to set a loan interest rate and a deposit interest rate.

As described above, when the controlling company 100 performs the interest settlement based on the past performance for a certain period, it performs a trial calculation using the fund transfer performance information, which is the past performance data, and then meets the purpose. It is necessary to determine the interest on the conditions set.
For example, in FIG. 6, when the profit of the group company A is good, the lending rate to the group company A is set high,
There is a case where it is desired to set the depositing interest rate of the supervising company 100 low so as to reduce the profit of the group company A. In such a case, it is desirable to set a loan interest rate and a deposit interest rate using past fund transfer performance information, perform trial calculations, and then perform actual interest settlement.

When making such a trial calculation of interest settlement,
Naturally, it is necessary to use past performance data. That is, the past lending of funds from the controlling company 100 to the group company 110 and the
It is necessary to make a trial calculation using the actual result of depositing funds into 00.

Conventionally, therefore, it has been necessary for the supervising company 100, which is a customer of the bank, to manually input past performance data from a bank statement or the like to a computer owned by the customer. Then, the controlling company 100 performs the trial calculation using commercially available software or an application developed by the customer. For this reason, a great deal of labor was required to input the performance data. In addition, the software and applications for performing the calculation have to be prepared by the supervising company 100, which is a customer, and the financial burden and human burden are large.

[0010] The present invention has been made in view of the above-mentioned problems, and the supervising company 100, which is a customer of the bank, does not need to input actual performance data or prepare software and applications by themselves, and has a supervision. Company 10
The purpose is to reduce the financial burden and human burden of zero.

[0011]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, an interest setting estimation system according to the present invention comprises a method of lending and borrowing funds generated between a controlling account of a controlling company and a concentrated account of a group company of the controlling company. An interest setting estimation system for performing an estimation of interest to be set with respect to the balance transfer of the funds made daily between the control account of the control company and the centralized account of the group company. A first computer that accumulates as information, and a second computer for setting trial calculation parameters necessary for performing trial calculation in the case where the controlling company pays out interest in lending and borrowing of funds generated between the first company and the group company. And the second computer and the fund transfer result information from the first computer.
Receiving the trial calculation parameters necessary for performing the trial calculation from the second computer, performing a trial calculation based on the fund transfer result information and the trial calculation parameters, and transmitting the trial calculation result to the second computer; And a third computer.

Further, the interest setting estimation method according to the present invention comprises:
An interest setting calculation method for calculating an interest to be set for lending of funds generated between a controlling account of a controlling company and a concentration account of a group company of the controlling company, wherein A first step of storing, as a fund transfer result information, a loan made daily between a supervised account and the centralized account of the group company in a first computer; Setting a trial calculation parameter necessary for performing a trial calculation in the case of adjusting the interest of the loan of funds generated in the second computer, and transmitting the trial calculation parameter from the second computer to the third computer; Two steps, wherein the third computer receives the trial calculation parameters from the second computer and receives the funds from the first computer. A third step of fetching dynamic performance information and performing a trial calculation based on the trial calculation parameter and the fund transfer performance information, and a fourth step of transmitting a trial calculation result from the third computer to the second computer. A fifth step in which the second computer receives the trial calculation result and displays the result on a screen.

[0013]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention provides a bank management server for performing trial calculations in a bank in addition to a bank database server for accumulating fund transfer result information, and this cash management server is provided by a controlling company. Receive the necessary calculation parameters for performing the calculation from the PC for cash management in
Fund transfer performance information is fetched from a bank database server, a trial calculation is performed, and the trial calculation result is transmitted to a cash management personal computer of the managing company. Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.

First, the configuration of the centralized fund distribution system according to the present embodiment will be described with reference to FIGS. FIG.
FIG. 1 is a diagram showing an overall configuration of a centralized fund distribution system according to the present embodiment, and FIG. 2 is a diagram illustrating a schematic data flow of an interest setting trial calculation system in the centralized fund distribution system.

As shown in FIG. 1, the centralized fund distribution system according to the present embodiment comprises an electric banking personal computer 10, an electric banking host computer 12, a bank account host computer 14,
The system includes a bank database server 16, a cash management server 18, and a cash management personal computer 20.

Of these, the electric banking personal computer 10 is a computer provided in each group company. The electric banking host computer 12, the bank account host computer 14, the bank database server 16, and the cash management server 18 are computers provided in the bank. The cash management personal computer 20 is a computer provided in the managing company.

An electric banking personal computer 10 in each group company and an electric banking host computer 12 in a bank are connected by a public line. During the daytime banking hours, if surplus funds are generated by the group company, the group company uses the electric banking personal computer 10 to concentrate the funds transferred from the customer etc. to the group company's deposit account. Ask them to transfer to an account. In other words, the banking personal computer 10 issues an account transfer instruction to the electric banking host computer 12.

The electric banking host computer 12 that has received the instruction of the account transfer transfers the instruction to the bank account host computer 14. That is, the host computer 12 for electric banking
Instructs the bank account system host computer 14 to transfer funds from the deposit account of the group company to the centralized account, and transfers data necessary for the transfer. The bank account system host computer 14 transfers the funds from the deposit account of the group company to the centralized account based on this data.

When the funds of the group company become insufficient due to payment to the supplier or the like, the group company uses the electric banking personal computer 10 to instruct to withdraw funds from the centralized account. In other words, the banking personal computer 10 issues an account transfer instruction to the electric banking host computer 12.

The electric banking host computer 12 that has received the account transfer instruction transfers the instruction to the bank account host computer 14. That is, the host computer 12 for electric banking
Instructs the bank account system host computer 14 to withdraw funds from the centralized account and transfers data necessary for that. Based on this data, the bank account system host computer 14 withdraws funds from the centralized account of the group company.

Such an account transfer instruction from the electric banking personal computer 10 to the electric banking host computer 12 is made as needed during the daytime banking hours.

In the night after the bank is closed,
The bank account host computer 14 performs a fund transfer process. That is, the bank account system host computer 14 performs a transfer process of funds between the centralized account and the centralized account of the controlling company based on the balance of the centralized account of each group company.

More specifically, if the balance of the group company's concentration account is positive, the funds are transferred from the group company's concentration account to the supervision company's supervision account by that amount. As a result of this funds transfer, the balance of the group company's concentration account becomes zero. On the other hand, if the balance of the group company's concentration account is negative,
The funds are transferred from the controlling account of the controlling company to the centralized account of the group company by the minus amount. As a result of this funds transfer, the balance of the group company's concentration account becomes zero.

The result of the fund transfer performed by the bank account host computer 14 is transferred to the electric banking host computer 12, and further transferred from the electric banking host computer 12 to the bank database server 16. Thereby, the customer fund management database 30 of the bank database server 16
Is stored.

As described above, processing during the daytime bank business hours and nighttime date / time processing are performed daily, and daily fund transfer information is accumulated in the customer fund management database 30 of the bank database server 16. Go on.

The controlling company pays interest once a month. This interest settlement is performed on the interest settlement date set in the system. In this interest settlement, the controlling company needs to set the interest calculation method and the interest rate. In this setting, the supervising company can use the cash management personal computer 20 to perform a trial calculation based on the temporarily set interest calculation method and the interest rate set value.

Generally, as shown in FIG. 2, the managing company uses a personal computer 20 for cash management,
Manually enter the trial calculation parameters required for the trial calculation. The trial calculation parameters include the interest calculation method and the interest rate setting value (lending interest rate, deposit interest rate, and the applicable period)
There is. The cache management server 18
A trial calculation is performed using the trial calculation parameters and the fund transfer result information in the customer fund management database 30 in the bank database server 16. The result of the trial calculation is transmitted from the cache management server 18 to the cache management personal computer 20, and displayed on the cache management personal computer 20. As a result, the supervising company can obtain a trial calculation result simply by inputting simple trial calculation parameters.

Next, the processing contents of the interest setting trial calculation system will be described in detail with reference to FIGS. FIG. 3 is a flow chart for explaining the processing contents of the interest setting trial calculation system, and FIGS. 4 and 5 are views showing display screens on the personal computer 20 for cash management.

First, as shown in FIG. 3, the supervising company issues an application request from the cash management personal computer 20 (step S10). For this request, the managing company connects to the cash management service server 18 from the cash management personal computer 20 by using a public line. Then, start a WWW (World Wide Web) browser and
Specify RL (Uniform Resource Locator). Thereby, an application screen is displayed on the screen of the personal computer 20 for cash management. That is, the application for trial calculation in the cache management server 18 is started.

Next, the cash management server 18 searches the bank database server 16 for the fund transfer result information of the target month and the default value of the trial calculation parameter.
(Step S11). As shown in FIG. 1, the default values of the trial calculation parameters in the customer fund management database 30 of the bank database server 16 include an interest calculation method and an interest rate set value.

Next, as shown in FIG. 3, the bank database server 16 having received this instruction searches the customer fund management database 30 for the fund transfer result information and the default value of the trial calculation parameter (step). S12). Then, the bank database server 16 converts the search result into
A reply is sent to the cache management server 18 (step S13).

The cash management server 18 having received the search result performs the interest calculation based on the fund transfer result information and the default calculation parameters (interest calculation method and interest rate set value), and edits the statement table. Then, it is transferred to the cache management personal computer 20 (step S14).

The personal computer for cash management 20, which has received the edited schedule, displays the schedule on the screen (step S15). FIG. 4 shows a screen of the statement table 40 in the present embodiment.

As shown in FIG. 4, the detail table 40 includes an interest calculation method display section 42 for displaying an interest calculation method among the trial calculation parameters, and an interest rate set value among the trial calculation parameters for each group company. And an interest rate set value display section 44. Although not clear from the figure, in the present embodiment, it is assumed that the supervising company has four group companies A to D, so that there are four interest rate setting value display sections 44. The interest rate set value display section 44 of the group company D is displayed by scrolling the screen.

In the interest calculation method display section 42, an interest calculation method, an interest unit, a number of days, and a fraction processing method are set as default values of the interest calculation method. The controlling company needs to select the gross type or net type as the method of calculating interest, and also needs to select the product number calculation or the daily total. It is necessary to select 1 yen or 100 yen as a unit of interest. Regarding the number of years, 360 days or 365 days for the case where the supervising company lends to the group company and the case where the supervising company entrusts it to the group company
You need to choose a day. It is necessary to select rounding or rounding as a rounding method. As described above, the supervising company temporarily sets the interest calculation parameters necessary for the trial calculation (step S16).

Further, as shown in FIG. 4, in the interest rate set value display section 44, the lending rate of the supervising company and the custody rate of the supervising company are set as default values of the interest rate set value for each group company. Have been.

The supervising company inputs the interest rate setting value while taking this default value into consideration. That is, the lending interest rate, the custody interest rate, and the application start date for each group company are set. Initially, when the supervising company opens the detailed table 40, default lending rates and custody rates are set. The supervising company sets these lending rates and custody rates based on the business results of each group company. Reset to an appropriate value. In addition, a start date to which the loan interest rate and the deposit interest rate are applied is also input.
In the present embodiment, once the application start date is set, it means that the lending rate and the custody rate once set are applied until the next application start date is set. As described above, the supervising company temporarily sets the loan interest rate, the deposit interest rate, and the application period necessary for the trial calculation (step S1).
7).

When these provisional settings are completed, the supervising company clicks the execution button 46 of the detailed statement 40 shown in FIG. Thus, execution of the trial calculation is instructed to the cache management server (step S18). At the time of this instruction, trial calculation parameters such as the temporarily set lending interest rate, deposit interest rate, and application period are also transmitted to the cash management server 18. When the trial calculation is not necessary, the user can click the cancel button 48 to close the detailed statement table 40 without performing the trial calculation.

The cash management server 18 which has received the trial calculation execution instruction instructs the bank database server 16 to search for the fund transfer result information for the target month (step S19). The bank database server 16 that has received the instruction searches the client fund management database 30 for fund transfer result information (step S2).
0). Then, the bank database server 16 returns the fund transfer result information to the cash management server 18 (Step S21).

The cash management server 18 that has received the fund transfer result information calculates the interest calculation based on the retrieved fund transfer result information and the temporarily set trial calculation parameters (interest calculation method and interest rate set value). A trial calculation is performed (step S22). Subsequently, the cache management server 18 edits the detailed statement based on the result of the trial calculation, and transmits it to the cache management personal computer 20 (step S23).

The cash management personal computer 20 that has received the edited schedule displays the schedule on the screen (step S24). FIG. 5 shows a screen of the statement table 50 in the present embodiment. As shown in FIG. 5, the statement table 50 includes a controlling company display section 54 for displaying a controlling company statement table 52 which is a statement of the controlling account of the controlling company.
A group company display section 58 for displaying a group company statement 56, which is a statement of centralized accounts of the group companies.

The controlling company schedule 52 displays interest income, interest expense, and deduction interest for each date. The group company statement 56 displays interest income, interest expense, net interest, interest income, and interest expense for each date. Here, the interest rate is the custody rate of the controlling company set in the detail table 40 shown in FIG. 4, and the interest rate is the lending rate of the controlling company set in the detail table 40 shown in FIG. That is.

Although not clear from FIG. 5, the group company display section 58 is provided for each group company. Therefore, in the present embodiment, a group company display section 58 is provided for each of the group companies A to D, and the group company detail table 56 is displayed by scrolling the screen.

As described above, the supervising company can obtain a trial calculation result based on the fund transfer results of the target month. If the controlling company is satisfied with the result of the estimation, it can execute the interest settlement under appropriate conditions by instructing the bank to perform the interest settlement based on the contents of the estimation parameters.

As described above, according to the interest setting trial calculation system according to the present embodiment, the trial calculation based on the fund transfer results can be performed only by temporarily setting the interest calculation method and the interest rate set value as the trial calculation parameters. .

That is, the supervising company uses the cash management personal computer 20 to provisionally set the interest calculation method, provisionally sets the lending rate, the deposit interest rate, and the applicable period for each group company, and uses these as data for the cash management. Send it to server 18. In addition, the cash management server 18 acquires the target month's fund transfer result information from the customer fund management database 30 of the bank database server 16. The cash management server 18 performs a trial calculation of the interest calculation based on the fund transfer performance information, the provisionally set interest calculation parameters, the lending rate, the deposit interest rate, and the application period of each group, and stores the trial calculation result in the cache. It is transmitted to the management personal computer 20.

Therefore, the supervising company can obtain a trial calculation result only by setting necessary trial calculation parameters and transmitting it to the cache management server 18. That is, the trial calculation result can be obtained by utilizing the data in the bank without inputting the fund transfer result of the target month.

In addition, when making a trial calculation based on the fund transfer results, the cash management server 18 does not directly operate the customer fund management database 30 in the bank database server 16, but the cash transfer server 18 has the necessary information of the fund transfer. Since the trial calculation is performed after the performance information is once taken in, the customer fund management database 30 in the bank database server 16 can be protected.

Further, the managing company can perform this estimation without preparing a special program or application. That is, since the program required for the trial calculation is provided in the cash management server 18, the supervising company determines that the cash management personal computer 2
It is only necessary to transmit necessary data from 0 to the cache management server 18 and receive the result of the trial calculation.

For this reason, it is sufficient for the supervising company to prepare only communication software for the personal computer 20 for cash management. As described above, since the programs and applications prepared by the managing company itself, which is a customer, are no longer necessary, the financial burden and the human burden on the customer can be reduced.

The present invention is not limited to the above embodiment, but can be variously modified. For example, in the flowchart shown in FIG. 3, in step S19, the cash management server 18 instructs the bank database server 16 to search the fund transfer record information again, but this instruction may be omitted. It is. That is, the cash management server 18 holds the fund transfer result information received from the bank database server 16 in step S13, and by utilizing this, the search instruction in step S19 can be omitted.

In this embodiment, the default value of the trial calculation parameter is registered in the customer fund management database of the bank database server 16, and this default value is set as the default value of the trial calculation parameter in the personal computer 2 for cash management.
Although the display is made to be 0, the display of such a default value can be omitted.

[0053]

As described above, according to the present invention, it is not necessary for the supervising company, which is the customer of the bank, to manually input the fund transfer result information, and the supervising company itself prepares a trial calculation application. Since there is no need to do so, it is possible to reduce the financial burden and human burden on the controlling company.

[Brief description of the drawings]

FIG. 1 is a diagram showing an overall configuration of a centralized fund distribution system according to an embodiment.

FIG. 2 is a diagram showing a schematic data flow of an interest setting trial calculation system in the centralized fund distribution system.

FIG. 3 is a flowchart showing processing contents of an interest setting trial calculation system.

FIG. 4 is an exemplary view showing a screen displayed on the cash management personal computer in step S15 in FIG. 4;

FIG. 5 is an exemplary view showing a screen displayed on the cash management personal computer in step S24 in FIG. 4;

FIG. 6 is a diagram for explaining a relationship between a supervising company and a group company.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Electric banking personal computer 12 Electric banking host computer 14 Bank accounting host computer 16 Bank database server 18 Cash management server 20 Cash management personal computer 30 Customer fund management database 40 Detail table 42 Interest calculation method display part 44 Interest rate setting value display Department 46 Execute button 48 Cancel button 50 Schedule 52 Supervisory company schedule 54 Supervisory company display 56 Group company schedule 58 Group company display 100 Supervisory company 110 Group company

Claims (10)

[Claims] 1. An interest setting estimation system for performing an estimation of an interest to be set for lending and borrowing of funds generated between a controlling account of a controlling company and a concentrated account of a group company of the controlling company, A first computer that accumulates, as fund transfer result information, the daily loan of funds between the control account of the control company and the centralized account of the group company; A second computer for setting a trial calculation parameter necessary for performing a trial calculation in the case of adjusting the interest of lending and borrowing of funds generated between the second computer and the fund transfer result information from the first computer, Receiving the trial calculation parameters necessary for performing the trial calculation from the second computer, and performing a trial calculation based on the fund transfer result information and the trial calculation parameters; It transmits the calculation results to the second computer,
An interest setting trial calculation system, comprising: a third computer; 2. The interest setting trial calculation system according to claim 1, wherein said trial calculation parameters include an interest calculation method and an interest rate set value. 3. The method according to claim 2, wherein the interest calculation method in the trial calculation parameters includes, as setting items, an interest calculation method, an interest unit, a number of days, and a fraction processing method. Interest calculation system. 4. The interest rate setting value in the estimation parameter includes, as setting items, a lending interest rate which is an interest rate when lending funds from the supervising company to the group company and a lending interest rate when the supervising company deposits funds from the group company. The interest setting trial calculation system according to claim 2 or 3, wherein a custody interest rate, which is an interest rate of said lending rate, and an application period of said lending interest rate and said custody interest rate are included. 5. A default value of the trial calculation parameter is registered as a default value in the first computer. When the trial calculation parameter is set in the second computer, the default value is set as a default value. The interest setting trial calculation system according to any one of claims 1 to 5, which is displayed. 6. An interest calculation method for calculating an interest to be set for lending and borrowing of funds generated between a controlling account of a controlling company and a concentrated account of a group company of the controlling company, comprising: A first step of accumulating, as a fund transfer result information, a loan of funds made between the controlling account of the controlling company and the concentration account of the group company on a first computer; and A second computer is used to set a trial calculation parameter necessary for performing a trial calculation in the case of paying out an interest in borrowing and borrowing funds generated with a group company, and from the second computer to the third computer, And the third computer receives the trial calculation parameters from the second computer and transmits the first
Fetching the fund transfer result information from the computer of
A third step of performing a trial calculation based on the trial calculation parameters and the fund transfer result information; transmitting a trial calculation result from the third computer to the second computer; a fourth step; A fifth step of receiving the trial calculation result and displaying the result on a screen. 7. The interest setting trial calculation method according to claim 6, wherein the trial calculation parameters include an interest calculation method and an interest rate setting value. 8. The method according to claim 7, wherein the interest calculation method in the trial calculation parameter includes, as setting items, an interest calculation method, an interest rate unit, a number of days, and a fraction processing method. Calculation method of interest setting. 9. The interest rate setting value in the estimation parameter includes, as setting items, a lending interest rate which is an interest rate when lending funds from the supervising company to the group company, and a lending rate when the supervising company deposits funds from the group company. The interest setting trial calculation method according to claim 7 or 8, wherein a custody interest rate, which is an interest rate of said lending rate, and an application period of said lending interest rate and said custody interest rate are included. 10. The method according to claim 10, wherein the third computer captures a default value of the trial calculation parameter registered as a default value in the first computer between the first step and the second step. 6th step, the third computer transmits the default value to the second computer, and 7th step; the second computer receiving the default value sets the default value to the default value of the trial calculation parameter. An interest setting trial calculation method according to any one of claims 6 to 9, further comprising: an eighth step of displaying the following.