JP2001319048A - Debt contract management network and written contract management system for financial institution - Google Patents

Abstract

PROBLEM TO BE SOLVED: To speedily perform debt contract operation at a business office and to efficiently manage a written contract generated at the time. SOLUTION: This written contract management system 402 stores the written contract generated at the business office in the form of an image and generates and stores a database of customer ledgers. When a debt contract is made at the business office, a transmission sheet indicating a necessary written contract is issued according to its senior-executive's sanction request result. A management terminal 104 at the business office accesses the written contract management system 402 through the Internet 600 to retrieve its customer ledger and receives the transmission sheet from the system 402. A written-sensior-executive' s-sanction request issue terminal 100 is connected to a host computer 202 through a leased line 500 and the settlement of a sensior-executive's sanction request is made with a head office financing part 300 through the terminal.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a credit contract management network and a contract management system in a financial institution.
For example, the present invention relates to a credit contract management network and a contract management system in a financial institution used for centrally managing the state of a credit contract at each bank branch.

[0002]

2. Description of the Related Art Conventionally, for example, in a financial institution such as a bank, management of a loan contract with a customer in each branch is basically performed in each branch. Documents related to the loan agreement such as certificates, guarantees, and certificates (hereinafter referred to as agreements) were stored and managed at each sales office. However, the headquarters financing department setstle the request for a loan agreement that occurred at each branch office through the host computer of the business processing center, and the headquarters inspection department opens each branch office once a year. Then, the customer ledger spelling out the contract to be stored is inspected to manage whether or not the receivables contract of each branch has been properly made.

[0005] For example, FIG. 12 shows an example of the flow of a business related to management of a contract from a conventional loan contract at each branch office. In this figure, when a customer applies for a loan (step S10), the sales ledger 1 spells out a contract for each customer as confirmation data.
In-store deliberations (step S12) based on 0. The customer ledger 10 stores a contract generated by a loan agreement with a customer up to that time in a file F, F.F. . . It is spelled as

At the time of in-store deliberations, a receipt 12 and a provisional draft 14 are created and if it is determined that lending is possible,
A request for approval is requested from the head office financing department (step S14). The request for approval is created by a request for approval request issuing terminal 20 connected to the host computer 16 installed in the business processing center, for example, via a dedicated line 18. At this time, the contents of the conditions of the loan item such as a bill loan or a certificate loan and the interest rate at that time are confirmed by the list of account contents 22 from the host computer 16, and the real estate is further checked by the security and guarantee contents list 24. The collateral value, the creditworthiness of the guarantor, and the like are confirmed, and a formal approval letter is created based on those conditions. The created request is sent to the management terminal of the head office financing unit 22 via the host computer 16. The headquarters financing unit 22 confirms and examines the content of the request for approval and makes a settlement as to whether the content is valid (step S16). The result is sent to the request document issuing terminal 18 of the branch office via the host computer 16.

[0005] Next, when the settlement is made, the sales office presents the contract 26, such as a contract, a guarantee and a certificate, necessary for the loan contract to the debtor in accordance with the conditions of the settled request. The debtor fills in the necessary information and the like, and the loan contract is exchanged. As a result, the contents of the contract are confirmed, and when all the contracts are collected (step S18), then, the loan is executed (step S18).
20). At that time, the collected contracts 26 are spelled out in the customer ledger 10 as a file F for each customer unit, stored in a branch office, and referred to as confirmation data at the time of the next loan contract as described above.

[0006] Similarly, when there is a loan application, each step of in-store deliberations, creation of a request, settlement, contract collection, and loan execution is performed. The contract at that time is spelled out in the customer ledger 10. On the other hand, the headquarters inspection unit 28 checks the customer ledger 1 of the branch office.
0, for example, once a year, conducts the inspection, and manages whether or not the receivable contract is properly executed in each business office.

[0007]

However, in the above-mentioned conventional technology, the contracts generated at the time of the loan contract are stored and managed as the customer ledger at each branch office, so that the document arrangement and the storage administration are performed. In addition, there has been a problem that the inspection requires much labor and labor. For example, if documents are not properly organized and stored, it may take time to search the customer ledger for that customer when a loan application is made, which may cause the customer to spend more time, There was a problem that the discussion took time. In the case of an on-site inspection, there is a problem in that office work for the inspection preparation is required in advance, such as whether the customer ledger storage location or documents are lost, and the burden on the branch office is increased. Was. Also,
The headquarters inspection department also requires a large number of personnel to conduct inspections at a plurality of sales offices, and it takes time to perform the inspections once a year. Was too burdensome.

[0008] In the actual business, in each store, in-store deliberations are performed based on the customer ledger, conditions and the like are determined, and a decision document is prepared. Otherwise, there is a problem that the judgment may take a long time, or there may be a risk of omission or misjudgment in preparing necessary contracts. In particular, necessary contracts differ depending on the financing state, financing conditions, or form of lending for each customer, and considerable judgment ability is required when judging them. Failure to make such a determination may cause problems such as reviewing the contract or resubmitting documents, which may require the customer to take time and effort.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-mentioned problems, and has made management of contracts simple and quick, and has made it easy and appropriate to judge necessary documents at the time of contract. It is an object of the present invention to provide a receivable contract management network and a contract management system in a financial institution that can save time and effort.

[0010]

In order to solve the above-mentioned problems, the receivable contract management network according to the present invention further comprises a plurality of sales offices, each executing a receivable contract with a customer, from the examination to the contract. A credit contract management network at a financial institution such as a bank that manages the contracts generated at the time of the contract. A first network including a first network and a second network for instructing a sales office on a contract necessary for the receivable contract and managing a contract from the sales office generated by the receivable contract; In the network, a request for issuance of a request for approval is installed at each of a plurality of sales offices, a host computer for preparing the request for approval, and a management terminal of the financing unit of the headquarters are connected by a predetermined line. The network is a contract management system installed in a contract management center for storing contracts from the respective sales offices. The contract is converted into an image file, and based on the result of the approval from the first network including the contracts. A contract management system that creates a customer ledger that is made into a database for each customer and issues a mailing order that instructs each branch based on the customer ledger with necessary documents,
The customer ledger is displayed as necessary when a new loan contract is made, and the sentence issued by the contract management system is output.The contract management terminal installed at each branch office is connected by a predetermined line. It is characterized by having been done.

[0011] In this case, the first network includes a dedicated line for connecting the approval request issuing terminal of the branch office and the management terminal of the head office financing department to the host computer, and the second network is executed via the Internet. It is advantageous to form an intranet for connecting the contract management system of the book management center and the contract management terminal of the branch office.

Further, the contract management system according to the present invention is a contract management system in a contract management center for storing and managing contracts generated at the time of a loan contract at each branch of a financial institution such as a bank. Image input means for reading the contract sent from each business office and inputting the image; first storage means for filing and storing the image of each contract from the image input means; A second storage means for storing contract document information including a contract document name, a receipt / delivery status thereof, and a guarantor name for each customer based on the entered contract as a customer ledger, and a customer ledger and a sales office. Based on the result of the decision, a prescribed pattern for issuing a delivery note instructing the contract required for the contract and the issued delivery note A third storage means for storing data, and a data processing means for processing data written and read to and from the first to third storage means, at least updating a customer ledger, searching for the ledger, and issuing a delivery note. It is characterized by including data processing means, and communication processing means for transmitting data representing a delivery note and a customer ledger from the data processing means via a predetermined line in accordance with an access from each business office.

[0013] In this case, the data processing means uses the customer ledger stored in the second storage means and the name of the contract document to store the first data.
May be read out in association with the contract image file stored in the storage means.

[0014] The second storage means stores guarantor information including a name and a seal seal certificate and details of the guarantor in a predetermined format for each guarantor. The guarantor information may be read out in association with the guarantor information.

Further, the contract management system according to the present invention, when storing the contract received from the sales office, stores a bar code which is attached to each contract and indicates a handling number for managing the entry / exit of the contract. Advantageously, the bar code issuing means includes a bar code issuing means for issuing the bar code when the image of the contract is input by the image input means.

Further, the contract management system according to the present invention inspects the contract sent from the sales office based on the sent document, and receives an unfinished list indicating the contract not received from the inspection result. It is advantageous to include an inspection result issuing means for issuing a defect list indicating that the content of the contract is deficient and a reception result table indicating the result of accepting the contract.

[0017]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing an embodiment of a credit contract management network and a contract management system in a financial institution according to the present invention. In FIG.
1 shows an embodiment of a bond contract management network to which a contract management system according to the present invention is applied. The receivable contract management network according to the present embodiment is a communication network that is applied when executing a receivable contract with a customer at each branch 100 of a bank. A first network N1 that connects the store 100 and the head office financing unit 300, a contract management center 400 that stores and manages contracts such as contracts generated at the time of the loan contract in the business store 100, and the business store 100. This is a management network including the connected second network N2.
In FIG. 1, only one office 100 is shown as a representative for convenience of explanation, but a plurality of offices are respectively operated by the business processing center 200 and the contract management center 400.
It is connected to the. The same applies to other drawings referred to below.

To explain the details of each part, the first network N1 in the present embodiment, when a loan contract occurs in the business office 100, decides on the approval of the headquarters financing unit 3
In this embodiment, as shown in FIG. 1 and FIG. 2, a management document issuance terminal 102 installed in the sales office 100 and a management network installed in the head office financing unit 300. A terminal (not shown) is connected to the business processing center 200
, For example, via a dedicated line 500 for data communication.

The request form issuing terminal 102 of the sales office 100
A dedicated terminal that creates and issues a request for approval when a loan application is received from a customer. In the present embodiment, the terminal accesses the host computer 202 of the business processing center 200 and generates a request for approval in accordance with the request creation software. It is a terminal device for creating and receiving the settlement of the head office financing unit 300.

The host computer 202 of the business processing center 200 stores a loan account file 204 representing the lending status of each customer at each branch 100 and a ledger 206 representing the deposit / withdrawal status at each branch 100. This is an information processing device having an external storage device and in charge of business processing of the entire banking institution. In the present embodiment, a request document for preparing a request document for a loan contract at each branch 100 Includes creation support software 208.

More specifically, as shown in FIG. 2, for example, as shown in FIG. 2, the draft decision support software 208 includes a collateral subprogram 210, a guarantor subprogram 212, a financial subprogram 214, and a securities subprogram 2
16, data bank 218, interest rate data 220,
And financial institution transaction data 222. The collateral subprogram 210 is a program for mainly evaluating the value of real estate to be collateral. The guarantor subprogram 210 is a program for evaluating the guarantor's guarantee range. The financial sub-program 212 is a program for evaluating the business condition of a company or the like as a debtor. Securities Subprogram 21
4 is a program for evaluating the value of securities, such as stock certificates, serving as collateral. The data bank is a program that mainly has personal information and the like and evaluates the loan limit and the like.
The interest rate data includes interest rate data such as a floating interest rate and a prime rate. The financial institution transaction data is data representing a transaction state with another financial institution such as a debtor. The request for approval created based on these evaluation programs is transmitted to the management terminal installed in the head office financing unit 300, and the received request for approval is issued to the sales office 100. The request content data after the settlement and the execution data after the loan is executed are transmitted to the contract management center 400, respectively.

Returning to FIG. 1, the second network N2
Is a management network for instructing the sales office 100 on the type of contract required for a loan contract for each contract, and managing the contract from the sales office 100 generated by the loan contract and providing it as a customer ledger. In the present embodiment, the contract management system 402 installed in the contract management center 400 is provided.
And the contract management terminal 104 installed in each branch 100
Are connected using the Internet 600, for example. In this case, the contract management system 402 forms an intranet in which access from other than the sales office 100 is prohibited by a predetermined firewall.

More specifically, the contract management system 402 according to this embodiment includes a plurality of input terminals 404 and 40.
4. . . , Communication terminal 406, and first server 408
And the second server 410 communicate with a predetermined communication cable 412
Form a local area network connected via Input terminals 404, 404. . . Is an image input means for reading a contract sent from each business office 100 and inputting an image of the contract. In the present embodiment, a display device for displaying an input screen at the time of loading and unloading documents, An operation input device such as a keyboard and a tablet (not shown) for inputting necessary items, an image scanner for reading a contract, and a barcode issuing device for issuing a barcode to be attached to each contract when storing the contract. (Not shown). For example, FIG. 3 shows a registration screen when a contract is input as an image. In this screen, the code IM is an image of a contract read by the image scanner, and the code DIN is a data frame in which necessary items are input by a keyboard or the like. As input data, a contract date, a debtor's name and its address, and a guarantor's name are input, and the contents of the seal certificate are collated to become customer ledger data described later.
When these inputs are made, the barcode to be attached to the stored contract is output from the barcode issuing device. FIG.
Shows an entry / exit management screen after inputting the contract image. In addition, when a contract is input as an image, the contract is inspected, and as described later, a defect list showing contract deficiencies and a contract that is not completed among contracts to be received from the business office are displayed. The necessary items for issuing the unfinished list and the acceptance result table indicating the accepted agreement are input. The contract image data and input item data input by the input terminal 404 are supplied to the first server 408 via the communication cable 412.

Returning to FIG. 1, the communication terminal 406 is a terminal device connected to the host computer 202 of the business processing center 200 via a dedicated line.
This is a receiving terminal that receives the request data after settlement from the host computer 202. The approval request data is provided by the head office financing department 300
And the execution data when a loan is executed in a branch office. The request content data after the settlement includes the branch number, the customer number, the request number, and the request content, and the execution data includes the handling number. The received request data is supplied to the first server 408 via the communication cable 412.

The first server 408 is a data processing device which processes data from the input terminal 404 and data from the communication terminal 406 to generate a delivery note and a customer ledger to be supplied to the sales office 100. Then, a contract database (contract DB) 420, a contract image file 422, and a delivery database (delivery DB) 424
And an external storage device for respectively storing The contract database 420 is, for example, as shown in FIG. 5, a first storage unit for storing the credit management information for each customer provided to the sales office 100 as a customer ledger. In the present embodiment, the contract database 420 is associated with the guarantor name. For example, guarantor information shown in FIG. 6 is stored. The customer ledger shown in FIG. 5 is searched from the sales office number SN, customer number CN, customer name CS, and the like, and the contract document name YS, the document number YN, the entry / exit status YJ,
Contract subject YK, contract date YD, contract amount YG, due date KD,
This is a customer file including the guarantor name HN and the like, and is generated based on input data from the input terminal 404 and approval request data from the communication terminal 406. The guarantor information shown in FIG. 6 includes a guarantor number HB, a guarantor name HN, a registration date HD, a guaranty form HK, and the like, and like the customer ledger, a guarantor generated by data from the input terminal 404 and the communication terminal 406. File. The guarantor information is retrieved from the guarantor name HN in the customer ledger. Further, the image of the contract image file 422 can be accessed from the contract document name of the customer ledger.

The contract image file 422 is a second storage unit for storing the image of each contract from the input terminal 404 in the form of a file, and in this embodiment,
It is stored in association with the contract document name stored in the contract database 420. For example, FIG. 7 shows a screen display when the contract image screen is accessed from the customer ledger screen shown in FIG.

On the other hand, the delivery note database 424 stores a predetermined pattern of the delivery note to be issued to the sales office 100 when the settlement of the loan agreement is settled and data of the issued delivery note. In this embodiment, from a predetermined pattern, for example, as shown in FIG.
A customer ledger is searched based on the approval request data from the communication terminal 406, and a delivery note indicating a contract required for the contract is generated and issued. In FIG. 8, a portion P in which a contract name is described is a predetermined pattern, and a circle on the side thereof indicates a portion indicating a contract required for the current contract. In addition, "-" indicates a document that has been accepted in the previous contract, and "x" indicates a document that is unnecessary in the current contract. These are given by inputting the approval request number RN included in the approval request data from the communication terminal 406.

Returning again to FIG. 1, the second server 410
Is a communication processing device accessed from the contract management terminal 104 of the business office via the Internet 600. In the present embodiment, the communication processing device is supplied via the first server 408 in an information format such as WWW (world wide web). This is a WWW server that transmits the received delivery note and customer ledger, respectively.
Further, in the present embodiment, a buffer 426 for buffering the data of the delivery note and the customer ledger from the first server 408 is included.

On the other hand, the contract management terminal 10 of the business office 100
4 is a second server 410 of the contract management system 402.
, A personal computer equipped with communication software such as a WWW browser,
This embodiment includes a printing device that outputs a customer ledger and a delivery note. The output delivery note and storage ledger are attached to the written agreement and the written decision issued from the written decision issuing terminal 102 when the written instructions specified by the written delivery are prepared, and are sent by mail or delivery vehicle. It is sent to the contract management center 400.

Next, referring to FIGS. 9 and 10, a description will be given of the flow of the receivable contract business to which the receivable management network and the agreement management system according to the present embodiment are applied. First, in FIG. When there is a loan application (step S100), the person and the contents of the application are confirmed (step S101). Next, the procedure proceeds to in-store deliberations (step S102). The contract management center 400 is accessed by operating the contract management terminal 104, and a customer file of the customer is searched from the customer ledger. At this time, if the customer has another loan contract up to the previous time, the searched customer file is output, and the collateral and the guarantor at that time are transmitted to the host computer 202 via the approval request issuing terminal 102. It is advisable to access them and investigate their status in advance. As a result, if lending is possible,
The process proceeds to the preparation of a request for approval (step S106).

At the time of creating a decision, the business processing center 200
The host computer 202 confirms the list of account-related items based on the decision making software 208 in the host computer 202, and determines the conditions of the receivable contract, for example, collateral and guarantor. In this case, the necessary items are smoothly input by referring to the customer file output in advance. As a result, when the draft of the draft is created, the draft of the draft is sent via the host computer 202 to the financing unit 30 of the headquarters.
Sent to 0. The headquarters financing unit 300 confirms the content of the request and determines whether the content is valid. If there is no error, the payment is settled (step S108). The result is sent to the request form issuing terminal 102 of the branch office via the host computer 202, and the cleared request form is issued.

Next, when a settlement is made in step S108, the host computer 202 transmits the approval request data to the contract management center 400. In the contract management center 400, upon receiving the request data by the communication terminal 406, the data is transferred to the first server 408.
As a result, the first server 408 generates a delivery note instructing the contract required for the receivable contract based on the customer ledger and the delivery receipt pattern, and generates this.
Transfer to 0. The second server 410 temporarily stores the sentence in the buffer 426, and stores the sentence until there is an access from the contract management terminal 104 of the sales office 100.

In the sales office 100, the host computer 2
02, the written order is issued via the contract management terminal 104 to access the contract management center 400, and the buffer 410 of the second server 410 is operated.
Take out the sentence from. At this time, search the customer ledger,
The customer file of the customer is output together with the delivery note. If a customer file has been output during the in-store deliberation, only a sentence may be output. Next, the sales office 100 presents contracts such as contracts, guarantees and certificates necessary for the customer to the customer on the basis of the sentence and collects them (step S108). For example, in the case shown in FIG.
Commercial register copy, seal certificate, money consumption loan contract,
A special contract for interest rate fluctuation is required. The former two are ordered by the customer, and the sales office 100 prepares the remaining agreements and asks the customer to fill in the necessary items.
When these necessary documents are obtained, the contents are checked and if there is no mistake, the loan is executed (step S11).
0).

Next, the sales office 100 attaches a copy of the written agreement issued at that time to the agreement generated by the above-mentioned receivables contract, and the attached delivery note and the customer file from the customer ledger. The contract management center 40
Send to 0. Further, the host computer 202 is notified via the terminal 102 that the loan has been executed.

Next, referring to FIG. 10, when the contract management center 400 receives the contracts from the sales office 100 (step S200), these are inspected based on the attached letter (step S202). If the contract is found to be incomplete during the inspection, the contract is
Will be returned to In step S202, the contract where no defect is found is image-input by the input terminal 404, and at that time, necessary items to be registered in the customer ledger are input (step S204). Also, at this time, if the contracts specified in the sentence are not complete, or if the contracts are incomplete, the items instructing them are entered, and the name of the accepted contract is entered. Due to these matters, the incomplete list Q102 and the incomplete list Q
104 and an acceptance result table Q106 are created and sent to the sales office 100 together with the incomplete contract.

On the other hand, the contract image data input in step S204 is written to the contract image file 422 via the first server 408. At this time, the necessary information entered and the host computer 20
2 is subjected to predetermined processing by the first server 408, and is processed as a customer ledger.
20, the customer ledger is updated. On the other hand, when the contract is registered in step S204,
A barcode to be attached to each contract is output from the barcode issuing device of the terminal 404. The output barcode is attached to each agreement (step S2).
06), the contracts are received and stored (steps S208, S210). At this time, a shelf code (bar code) similar to the bar code attached to the contract is attached to the storage shelf 430 for storing the contract.

Next, for example, when returning a contract entered due to the expiration of a deadline, or when leaving a contract as required, the input terminal 406 is operated and, for example, as shown in FIG. A document delivery screen is displayed, and a check box of the contract to be delivered is marked via a tablet or the like. As a result, the entry / exit status of the customer ledger is changed, and at the time of access, the storage status of the contract can be known. After the delivery check is completed, the storage shelf 430
And take out the contract from the store (step S21)
2) or return (step S214). In the case of temporary storage, if there is further storage (step S216), a storage screen similar to that in FIG. 11 is displayed, a mark indicating the storage is put, and storage is performed again (step S218).

Similarly, when there is a loan application, the sales office 100 accesses the host computer 202 and the contract management system 402, and performs in-store deliberations and preparation of a written request based on the account list and the customer ledger. Do. When the settlement is received from the headquarters financing unit 300, the contracts necessary for the contract are collected based on the sentence issued from the contract management system 400,
Make a loan agreement with a customer. Thereafter, the contract generated by the loan contract is sent to the contract management center 400. The contract management center 400 checks whether or not the contracts received from the sales office are incomplete or incomplete, and stores and stores them. At this time, the contract image and necessary items are entered to update the contract database and the image file. As a result, the customer ledger is updated and provided to each sales office as data for the subsequent new loan contract.

As described above, according to the receivable contract management network and the contract management system of the present embodiment, the contract generated at the time of the receivable contract is centrally managed in the contract management center 400. The burden of document arrangement and storage affairs can be reduced. Further, the contract management center 400 inspects the contract received from the sales office 100 when inputting the image as an image, thereby checking for omission of necessary contracts and mistakes such as deficiencies thereof in the sales office 10.
0 can be indicated as an incomplete list and an incomplete list, and proper acceptance of the contract can be performed.
At that time, it is possible to dedicate the entry and exit work, so with a small number of personnel, without having to visit the headquarters inspection department,
Appropriate management of contracts can be performed. In addition, it is possible to systematize entry / exit management, prevent loss of documents, and clarify where documents exist. In addition, since the result of the approval from the host computer 202 is received in advance, the contract management center 400 can grasp the contract sent from the sales office 100 in advance, thereby improving the efficiency of the reception, inspection and storage operations. And optimization can be achieved. In addition, since barcodes are attached to accepted contracts for storage management, additions, changes,
It is possible to cope with entry / exit of a document such as return, and it is not necessary to move unnecessary documents. At this time, it is possible to sequentially store goods in the order of the approach date in the future, and it is possible to effectively utilize the space of the storage shelf.

Further, the customer ledger is digitized and the sales office 10
0, it is possible to immediately execute a search for necessary items, and to smoothly execute a deliberation and a draft of a request for a new loan contract. Further, after the settlement, the contract management center 400 issues a letter for instructing the contract necessary for the receivable contract, so that the necessary contract can be determined immediately, and the acceptance of the contract and the incorrect It is possible to prevent a mistake such as acceptance of a contract. At this time, since the sending document is issued in cooperation with the host computer 202, the processing from the approval process to the settlement and the presentation of the contract can be executed quickly and accurately.
In addition, since contracts are gathered according to instructions in the sentence, even an inexperienced person such as a new employee can deal with the customer without giving anxiety. Since the customer ledger and the guarantor's name identification information can be provided to the sales office 100 separately from this, it is possible to reduce the trouble of reviewing the guarantee contents such as the collateral and the guarantor and preparing the approval document together with the information from the host computer 202. can do. In addition, since the contract image can be searched, the sales office 100
In response to an inquiry from a company, by searching and inquiring without carrying out the actual delivery, the storage and management of the actual item can be stricter. In this case, the contract image can be sent to the sales office by fax transmission as needed.

As described above, one embodiment of the receivable contract management network and the contract management system according to the present invention has been described.
The present invention is not limited only to the above embodiment,
Any modification or change without departing from the essence of the invention described in the claims is, of course, included in the present invention. For example, in the above embodiment, the case where the first network N1 is connected by a dedicated line has been described as an example, but in the present invention, the first network N1 may be connected by the Internet or another public line. Similarly,
Although the case where the second network N2 is connected via the Internet has been described as an example, the second network N2 may be connected via a dedicated line or another public line in the present invention.
The business processing center 200 and the contract management center 400
Although the above has been described as another center, in the present invention, a host computer, a server, and the like may be installed in the same place and connected to each other. Further, in the above-described embodiment, the format of the customer ledger, guarantor information, and the delivery note is not limited to the above-described embodiment, and any format having the same contents may be used. You may.

[0042]

As described above, according to the receivable contract management network and the contract management system in the financial institution of the present invention, when a receivable contract is made in a branch office, the first network decides on the approval. Settlement is made with the headquarters financing department, and after the settlement is made, the second network instructs the sales office on the necessary contract for the loan contract, so the processing from the loan contract to its execution is performed. fast,
And can be properly executed. In this case, the contracts generated by the receivable agreement from the branch office are collectively managed by the contract management center. be able to. At that time, the inspection by the headquarters inspection unit at the store can be omitted, and the burden on the headquarters side can be reduced. In addition, by centrally inspecting the contracts, it is possible to inspect the receiving omission, the description mistake, and the like in a short time, thereby improving the inspection accuracy. further,
Because the customer management ledger is provided from the contract management center to the sales office, the search and confirmation can be speeded up, and processing such as in-store deliberations at the sales office and creation of a written request can be performed smoothly and promptly. It has excellent effects such as being able to produce.

[Brief description of the drawings]

FIG. 1 is a block diagram showing one embodiment of a loan contract management network according to the present invention.

FIG. 2 is a block diagram showing a main part of a loan contract management network according to the embodiment of FIG. 1;

FIG. 3 is a diagram showing an example of a display screen at the time of image input of the contract management system applied to the embodiment of FIG. 1;

FIG. 4 is a diagram showing an example of a display screen at the time of document entry / exit of a contract management system applied to the embodiment of FIG. 1;

FIG. 5 is a diagram showing an example of a customer ledger display screen of the contract management system applied to the embodiment of FIG. 1;

6 is a diagram showing an example of a display screen of guarantor information of the contract management system applied to the embodiment of FIG. 1;

FIG. 7 is a diagram showing an example of an image file display screen of the contract management system applied to the embodiment of FIG. 1;

FIG. 8 is a diagram showing an example of a display screen of a document delivery form of the contract management system applied to the embodiment of FIG. 1;

9 is a diagram showing a business flow in a branch office applied to the credit contract network according to the embodiment of FIG. 1;

FIG. 10 is a diagram showing a business flow in a contract management center applied to the bond network according to the embodiment of FIG. 1;

11 is a block diagram showing an example of a display screen at the time of business in the contract management system according to the embodiment of FIG. 10;

FIG. 12 is a diagram showing a flow of business in a conventional branch.

[Explanation of symbols]

 N1 First network N2 Second network 102 Approval document issuing terminal 104 Contract management terminal 202 Host computer 300 Head office financing unit 402 Contract management system 404 Input terminal 406 Communication terminal 408 First server 410 Second server 420 Contract Database 422 Contract image file 426 Delivery form database

Claims (7)

[Claims] 1. A receivable contract management network in a financial institution such as a bank that manages contracts generated from the examination to the contract when executing a receivable contract with a customer at each of a plurality of branches. The management network includes a first network that setstle a request for a loan agreement with the head office financing department when a loan agreement occurs at a branch, and a contract necessary for the loan agreement. A second network for instructing the sales office and managing a contract from the sales office generated by the receivables contract, wherein the first network includes a request for issuance terminal installed in each of the plurality of sales offices And a host computer for preparing the request for approval and a management terminal of the headquarters financing department are connected by a predetermined line, and the second network stores contracts from respective offices. A contract management system installed in a contract management center to create a customer ledger in a database for each customer based on a result of a request from the first network including the contracts and image files. A contract management system for issuing a delivery note instructing each branch based on necessary documents based on the customer ledger, and displaying the customer ledger as necessary at the time of a new loan contract, A credit contract management network in a financial institution, wherein a contract management terminal installed in each branch office for outputting a delivery note issued from the system is connected by a predetermined line. 2. The receivable contract management network according to claim 1, wherein said first network is dedicated to connecting said approval request issuing terminal of a sales office and said management terminal of a head office financing unit to said host computer. Line, the second
Wherein the network forms an intranet connecting the contract management system of the contract management center and the contract management terminal of the sales office via the Internet. 3. A contract management system in a contract management center that stores and manages contracts generated at the time of a loan contract at each branch of a financial institution such as a bank, and is sent from each branch. Image input means for reading the executed agreement and inputting the image thereof; first storage means for storing the image of each agreement from the image input means in a file form; and storing the agreement based on the input image. A second storage unit for storing contract information including a contract document name and a receipt / delivery state and a guarantor name at the time of a loan contract for each customer as a customer ledger; A third pattern for storing a predetermined pattern and a issued transmission form when issuing a transmission form instructing a necessary contract at the time of contract.
And data processing means for processing data written and read to and from the first to third storage means, wherein the data processing means updates at least a customer ledger, searches for the ledger, and issues a delivery note. And a communication processing means for transmitting, via a predetermined line, a delivery note from the data processing means and data representing the customer ledger in accordance with an access from each branch office. 4. The contract management system according to claim 3, wherein the data processing means stores the customer ledger stored in the second storage means and the contract document name in the first storage means. A contract management system, wherein the contract management system reads the executed contract in association with an image file. 5. The contract management system according to claim 3, wherein the second storage means stores guarantor information including the name and address of each guarantor and the details of the guarantor in a predetermined format. The contract management system, wherein the data processing means reads out the guarantor information in association with the guarantor name in the customer ledger. 6. The contract management system according to claim 3, wherein when storing the contract received from the sales office, the system is attached to each contract to manage the entry and exit of the contract. Bar code issuing means for issuing a bar code representing the handling number, wherein the bar code issuing means outputs the bar code when the image of the agreement is input by the image input means. Book management system. 7. The contract management system according to claim 3, wherein the system inspects the contract sent from the sales office based on the sentence, and indicates a contract not received from the inspection result. Inspection result issuing means for issuing an incomplete list, an incomplete list indicating that the contents of the received contracts are incomplete, and an acceptance result table indicating the result of accepting the contracts, respectively. A contract management system to do.