JP2001357325A - Method and system for managing lease assets - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system for managing lease assets which has a low public tax and easily recovers and recycles lease assets. SOLUTION: The system for managing lease assets manages lease assets on the basis of a lease contract for lease assets which is concluded between a lease assets possessor 11 who produces lease assets and leases them and a user 15 who takes lease assets on a lease, and this system is provided with a means 13 which vicariously executes credit management including credit inquiries about the user and business management including recovery of the charge for a lease and collection of an agency commission.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a lease asset management system and management method, and more particularly to a lease asset management system and management method for renting lease assets held by a producer of lease assets.

[0002]

2. Description of the Related Art A lease contract is a contract for transferring the right to use a lease asset such as a fixed facility asset for a certain period of time.
Lease contracts are widely used because they can obtain a property without own funds or borrowings, and users can treat the leased asset as if it were a substantial owner.

FIG. 4 is a diagram showing a configuration of a conventional lease asset management system. In the figure, reference numeral 1 denotes a manufacturer of lease assets. Reference numeral 2 denotes a wholesale sales company, which purchases lease assets from a manufacturer 1 of lease assets, conducts business sales activities using the purchased lease assets, and acquires users 4 of lease assets. Reference numeral 3 denotes a leasing company, which concludes a leasing contract with the user 4 acquired by the sales company 2. At this time, the ownership of the lease asset is transferred from the sales company 2 to the lease company 3.
Reference numeral 4 denotes a user of the lease asset, which receives the lease asset possessed by the sales company 2 and uses the asset for use. Also,
As a compensation for this, a lease fee based on a lease contract is paid to the leasing company 3.

On the other hand, the leasing company 3 pays the amount equivalent to the market price of the leased asset to the sales company 2 and transfers the leased asset to itself. Accordingly, the leasing company 3 is obliged to pay taxes such as property tax corresponding to the market price of the leased assets, which can be received from the lease payment user.

Meanwhile, revision of the “Recycling Resource Utilization Promotion Law” (recycling law) aiming at suppressing generation of waste and promoting recycling is being studied. The amendment strengthens business responsibilities by requiring businesses to collect and recycle products as needed. In other words, the manufacturer of the leased asset has an obligation to collect and recycle the sold leased asset even after selling the leased asset to the sales company.

[0006]

The amount of tax paid by a leasing company in the prior art, such as property tax, is based on a price at the time of shipment by a manufacturer, that is, a market price which is higher than a factory shipment price. Calculating, which is relatively expensive. Further, in the conventional example, the ownership of the lease asset is transferred to the leasing company via the sales company. This makes it difficult for the manufacturer to manage the assets during and after use of the leased assets, and it is difficult to reliably collect and recycle the leased assets.

[0007] The present invention has been made in view of the above problems, and provides a lease asset management system with low taxes and easy collection and recycling of lease assets.

[0008]

The present invention employs the following means in order to solve the above-mentioned problems.

A lease asset that manages the lease asset based on a lease agreement for the lease asset that is concluded between a lease asset holder that produces the lease asset and leases the lease asset and a user of the lease asset that leases the lease asset. The management system performs a credit management including a credit inquiry regarding the user and an office management including collection of a lease fee and collection of a proxy fee. Further, the means for performing the business administration includes a database in which depreciation information, fixed asset information, personal property insurance information, and credit information are accumulated, and can perform tax payment business based on the database.

[0010]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to FIGS. FIG. 1 is a diagram showing a configuration of a lease asset management system according to an embodiment of the present invention.
In the figure, reference numeral 11 denotes a manufacturer server installed on the manufacturer side of the lease asset, and the manufacturer performs a transaction operation using the server. 12 is a database for a manufacturer server,
The database stores a list of lease assets, a past transaction history for each user of the lease assets, and the like. Reference numeral 13 denotes an agency server for the agency, which uses the server to collect lease fees and collect agency fees for the lease contract concluded between the manufacturer and the user 15 and to perform financing and lease contracts. We will perform office work such as credit screening. Reference numeral 14 denotes a database for a proxy server, which stores depreciation information, fixed asset information, personal property insurance information, and credit information. Reference numeral 15 denotes a user terminal operated by a user of the leased asset. The user receives the leased asset manufactured by the manufacturer and provides the asset for use. In addition, the manufacturer pays a leasing fee based on a lease contract through an agent. 16 and 17
Are communication lines connecting the manufacturer server and the proxy server and the manufacturer server and the user server, respectively.

Next, an outline of the processing by the management system shown in FIG. 1 will be described. In the figure, the numbers with a circle are numbers indicating an example of the processing as steps. First, step 1
, The user operates the user terminal 15 to operate the communication line 1
7 to the manufacturer server. Next, a desired lease asset is extracted from the database 12 for the manufacturer server, and a lease contract is applied. In step 2, the manufacturer specifies the user who has made the application and specifies the
A credit inquiry is made to 3. In step 3,
The proxy server 13 executes a check on the credit inquiry and returns a result of the credit check. In step 4, the manufacturer determines whether or not to accept the application for the lease contract by referring to the result of the credit check, and returns the result to the user. When the application for the lease contract is accepted, the process proceeds to step S5. In step 5, the agency management on the agency server side is entrusted with business management including the collection of lease fees.

FIG. 2 is a flowchart showing details of the processing of the manufacturer server. First, in step 101,
Accept lease applications from users. Step 102
, The user is confirmed by an ID code or the like. In step 103, it is determined whether the user has been successfully authenticated. If the user can be confirmed, the process proceeds to step 104, and if the user cannot be confirmed, the process ends. In step 104, the contents of the application are confirmed. Step 1
At 05, the user is specified and a credit inquiry is made to the proxy server. In step 106, the surrogate server determines whether or not the credit is to be provided and, if so, the rate, and replies to the manufacturer server. In step 107, the manufacturer server refers to the answer, determines whether or not to accept the lease application from the user, and if so, determines the rate thereof, and notifies the user terminal. Step 10
In step 8, the user determines whether to accept the lease contract at the notified rate, and if so, step 109.
Proceed to sign a contract. If not, step 11
At 0, it is determined whether or not to change the rate and apply for a lease contract again. If so, the process proceeds to step 107; otherwise, the process ends.

When the contract is concluded in step 109, the process proceeds to step 111. In step 111,
The work management is entrusted to the proxy server, and the process proceeds to step 115. Further, in step 112, the leased asset according to the lease contract is delivered to the user, and in step 113, the inspection receipt of the user is received through the acceptance of the user. In step 114, the received acceptance report is sent to the proxy server. In step 115, the proxy server confirms whether or not the business management has been outsourced in step 111, and whether or not the accepted letter has been received in step 114. In step 116, it is determined whether or not the receipt of the acceptance completed letter and the notification of the start of the business administration agency have been received. Step 117 when the receipt of the acceptance letter and the notification of the start of the office management agency are received.
Otherwise, to step 115. In step 117, the lease contract comes into effect. Step 1
At 18, wait for the end of the lease period. If the lease period has expired, the flow advances to step 119 to notify the proxy server that the lease contract has ended. In step 120, the agency server notifies the manufacturer server that the office management agency has ended.

FIG. 3 is a flowchart showing details of the processing of the proxy server. In step 201, when a credit inquiry is received from the manufacturer server, information on the user who applied for the lease contract and the applicable rate of the manufacturer are extracted from the database 14 in step 202,
A credit check is performed based on the data extracted in step 203. In step 204, it is determined whether to provide a credit. Step 205 for providing credit
Otherwise, to step 206. In step 206, a response not to provide the license and the examination fee are notified to the manufacturer server, and the process is terminated.

In step 205, a reply to the effect that the credit has been provided, and a credit guarantee fee and a fee are notified to the manufacturer server. In step 207, it waits for the management server to be outsourced from the manufacturer server to the agent server. Step 208 if the outsourcing is outsourced
Then, in Steps 208 to 209, the agent for asset accounting and the accounting for collection agency debt are recorded, respectively. In step 210, the system waits for the outsourcing of the business administration and the receipt of the inspection receipt. Upon receipt of the office management consignment and acceptance report, the process proceeds to step 211 to start processing of the agency work. Step 212 waits for the end of the lease period. Step 213 if the lease period has expired
And notifies the manufacturer server that the lease period has ended. Step 214: It is determined whether or not to extend the lease contract. If the lease contract is to be extended, the process proceeds to step 212; otherwise, the process ends. As described above, according to the present embodiment, the lease asset manufactured by the manufacturer is directly leased, so that the taxes can be reduced to a small amount. In addition, since the manufacturer leases the leased asset while maintaining the ownership of the leased asset, the leased asset can be reliably managed, and the collection and recycling of the leased asset can be performed easily and reliably.

[0016]

As described above, according to the present invention, it is possible to provide a lease asset management system with low taxes and easy collection and recycling of lease assets.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of a lease asset management system according to an embodiment of the present invention.

FIG. 2 is a diagram showing details of processing of a manufacturer server.

FIG. 3 is a diagram illustrating details of processing of a proxy server.

FIG. 4 is a diagram showing a configuration of a conventional lease asset management system.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Manufacturer 2 Sales company 3 Leasing company 4 User 11 Manufacturer server 12 Database for manufacturer server 13 Proxy server 13 Database for proxy server 15 User terminal

Continuing on the front page (72) Inventor Toshiyuki Shimokawa 890 Kashimada, Saiwai-ku, Kawasaki-shi, Kanagawa Prefecture Inside the Hitachi, Ltd.Business Solution Development Headquarters (72) Inventor Yoichi Ishihara 890 Kashimada, Sai-ku, Kawasaki-shi, Kanagawa Hitachi, Ltd. Business Solution Development Division (72) Inventor Masao Nishida 2-15-12 Nishi-Shimbashi, Minato-ku, Tokyo Inside Hitachi Credit Co., Ltd. (72) Inventor Shinya Hirata 2- 15-12 Nishi-Shimbashi, Minato-ku, Tokyo Hitachi Credit Co., Ltd. (72) Inventor Takao Yoda 2-15-12 Nishi-Shimbashi, Minato-ku, Tokyo F-Term within Hitachi Credit Co., Ltd. 5B049 BB07 BB11 BB58 CC11 CC36 DD05 EE01 FF09 GG04 GG07 5B055 BB20 CA05 CC01 CC05 CC06 CC10 EE02 EE21 EE27 FA08 FB03

Claims (3)

[Claims] The lease asset is managed based on a lease agreement for a lease asset concluded between a lease asset holder who produces the lease asset and leases the lease asset and a user of the lease asset that leases the lease asset. A management system for a leased asset, the management system including means for performing credit management including a credit inquiry relating to the user and performing administrative operations including collection of a lease fee and collection of a proxy fee. Lease asset management system. 2. The method according to claim 1, wherein the means for performing business administration includes a database storing depreciation information, fixed asset information, personal property insurance information, and credit information, and performing tax payment operations based on the database. A lease asset management system. Performing credit management including a credit inquiry relating to a user of the leased asset; a leased asset holder producing the leased asset and renting the leased asset; and a user of the leased asset renting the leased asset. A method for managing a leased asset, comprising the steps of: concluding a lease agreement for a leased asset between them; and executing a business operation including collection of a lease fee and collection of a proxy fee based on the leased agreement.