JP2002352087A - Structured finance applying system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To permit a customer to perform consultation and application concerning a structured finance in a remote place. SOLUTION: The outline of the structured finance is guided from the WEB server 11 of a structured finance system 10 to a PC 30. The estimated profit and the reliability of the structured finance are simulated by the WEB server 11 on an investment and loan condition which is given from the PC 30 and the result is returned to the PC 30. The customer views the simulation result and applies to the investment and loan from the PC 30.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a structured finance application system for receiving an application for structured finance from a client (terminal) of a customer via a communication network such as the Internet.

[0002]

2. Description of the Related Art Heretofore, repayment resources have been limited to cash flows and sales proceeds generated from a specific business or asset. A permitted financial method is generally known and is referred to as structured finance (literature: "Introduction to Structured Finance", published by Nihon Keizai Shimbun, 1997/6/2).

[0003] When consulting about investment and financing in such a finance project, a customer goes to a bank counter and interviews a bank employee. Or we may consult on the phone.

[0004]

[0005] Even if a customer goes to a bank for consultation on structured finance, the investment and loan conditions may not meet the needs of the customer and may be wasted.

Accordingly, an object of the present invention is to provide a structured finance application system capable of knowing the outline of structured finance and applying for investment and financing even when a customer is at home or at a company.

[0006]

In order to achieve the above object, the invention according to claim 1 comprises means for providing a guide showing an outline of structured finance to an external terminal; Receiving means for receiving finance investment and loan conditions, information processing means for simulating expected profit and reliability of structured finance based on the received investment and loan conditions, means for transmitting the result of the simulation to the terminal, and the terminal And a means for receiving an application for investment and financing.

According to a second aspect of the present invention, in the structured finance application system according to the first aspect,
There is a plurality of structured finances, a specific structured finance is selected on the terminal side, and investment and loan conditions relating to the selected structured finance are input on the terminal side.

According to a third aspect of the present invention, in the structured finance application system according to the second aspect,
It further comprises a plurality of terminals installed in the plurality of departments in charge of structured finance, and transfers the application for investment and loan accepted by the accepting means to a terminal in the department in charge corresponding to the structured finance selected by the terminal. It is characterized by.

[0009]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 shows the configuration of the entire system to which the present invention is applied. The structured finance application system 10 and a client (terminal personal computer (PC) 30) used by a customer are connected via a communication network 20 such as the Internet.

The structured finance application system 10 includes a web server 11, a router 12, a personal computer (PC) 13, and a financial database 1.
4. Customer database 15 and other database 1
6. These devices are connected via a LAN.
The WEB server 11 receives the structured finance guidance and the structured finance application for the customer PC 30. In addition, regarding structured finance, investment and loan conditions are received from the customer's PC 30 and a simulation of yield, rating, and the like is performed, and the simulation result is transmitted to the customer's P30.
Present to C30.

For this purpose, the WEB server 11 has an HTML document for guiding structured finance, receiving an application, a finance calculation program for performing simulation, and a communication called a WWW server for communicating with the PC 30. The program is installed.

The router 12 transfers information between the customer's PC 30 and the WEB server 11. Bank P
C13 is installed in a department in charge of structured finance, and accepts an application for structured finance input from a customer's PC 30 via the WEB server 11.

The financial database 14 stores financial information related to structured finance, and the financial information is used for the simulation calculation of the WEB server 11. The customer database 15 stores information related to customers, for example, names, addresses, telephone numbers, bank account numbers, and the like. The other base stores information related to banking business.

The communication network 20 is the Internet,
A public telephone line or any other network capable of communicating information can be used.

The client 30 can use various information processing devices capable of communicating with the web server. In this embodiment, a commercially available personal computer will be described as an example. The client 30 has a program (called a browser) for communicating with the web server 11 and displaying an HTML document.

A structured finance guidance and application process executed in such a system configuration will be described. First we will explain the operation of the whole system, then
The individual processes of the web server 11 and the PC 30 will be described.

In FIG. 1, a customer operates a PC 30
The storage address (UR) of the HTML document on the EB server 11
L). PC 30 is instructed HT
Requests the ML document to the WEB server 11. WEB
The server 11 sends the requested HTML document to the requesting PC
30.

The PC 30 analyzes the received HTML document by a browser and executes a command (called a tag) described in the HTML document. By executing this command, the business guidance screen of the bank is displayed on the PC 30. When the customer selects the structured finance guidance menu on this screen, a request for an HTML document for the structured finance guidance screen is sent from the PC 30 based on the command defined in the HTML document to the WEB server 11.
Sent to. The WEB server 11 requests the HT
The ML document is transmitted to the requesting PC 30. The PC 30 displays the received HTML document on a display. FIG. 2 shows an example of this display screen. In FIG. 2, reference numeral 40 denotes a button for selecting structured finance. When this button 40 is operated by the customer with a mouse, a project guide screen for financing (financing) corresponding to the operated button is displayed.
Reference numeral 41 denotes a button for returning to the previous bank business information screen.

When the customer operates the power finance button 40, for example, the power finance HT is transmitted from the PC 30 based on the command specified in the HTML document.
The request for the ML document is sent to the WEB server 11.

When the WEB server 11 transmits the requested HTML document, the PC 30 displays, on the display, an input field for inputting a guide document indicating the business contents of the power project and investment and loan conditions based on the received HTML document. Is done.

When the customer enters investment and loan conditions, for example, an investment and loan amount, from the keyboard, the PC 30 enters HTML
The simulation instruction and the financing conditions are transmitted to the web server 11 based on the instruction defined in the document.

The WEB server 11 performs a finance simulation based on the received simulation command and investment and loan conditions, and calculates an expected yield and a rating. Expected yield and structured finance rating values and HT to display these values
The ML document is returned to PC 30.

The PC 30 displays the expected value of the yield and the rating value of the structured finance on the display based on the received HTML document as shown in FIG.

In FIG. 3, reference numeral 50 denotes a display column for the business contents of structured finance. Reference numeral 51 denotes a display column for the expected yield. Reference numeral 52 denotes a rating value display column. 53 is a loan (lending) and / or investment (investment)
Is a button for making an application. In this form,
It is possible to choose both financing and equity. When the customer selects the YES button, the screen shifts to a screen for inputting the customer's personal information, and when the NO button is terminated, information indicating that the structured finance is not to be financed is sent to the WEB server 11. The display screen shifts to a bank guidance business guidance screen. The information sent to the WEB server 11 is stored inside the WEB server 11, and is used for analysis of customer trends and the like.

Reference numeral 55 denotes a button for instructing a return to the previous screen, that is, a screen for inputting investment and loan conditions.

When the customer operates the YES button, P based on the HTML document newly sent from the WEB server 11
On the display of C30, an individual (including corporate) information input screen is displayed. Here, the customer inputs a user ID or the like assigned to the customer. Finally, when the investment / finance confirmation button is operated, the type of structured finance selected by the user (in this example, power finance), the investment conditions entered by the user, the type and personal information of the investment / finance selected by the user, and the simulation results Information such as expected yield and rating is PC
30 to the WEB server 11.

The WEB server 11 determines the type of structured finance in the transmitted information, and transfers the received information to the PC 30 of the department in charge of the bank corresponding to the type of structured finance.

Based on the information transferred to the PC 30, the person in charge of the bank obtains detailed information on the customer from the customer database 15 and proceeds with the negotiation with the customer.

The processing contents of the WEB server 11 will be described with reference to FIG. The process of FIG. 4 shows the processing procedure executed by the WEB server 11 after the screen of FIG. 2 is displayed on the PC 30, and this processing procedure is distributed by the WWW server and the finance calculation program.

In FIG. 4, WEB server 11
The type information of structured finance sent from the PC 30 by the W server is received. In the present embodiment, the type information is the U of the next HTML document to be displayed.
The RL information is transmitted from the PC 30 to the web server 11 in the form of URL information of an HTML document for structured finance guidance. W of WEB server 11
The WW server returns H from the storage location indicated by the received URL information.
The TML document is read and transmitted to the requesting PC 30 (step S10).

When the transmitted HTML document is displayed on the PC 30, the customer inputs the investment and loan conditions to the PC 30, and the WEB server 11 transmits the input investment and loan conditions to the WW.
Received by W server. Investment conditions received are WW
The W server transfers it to the finance calculation program, and the finance calculation program calculates (simulates) the expected yield and the rating (step S20). The calculation formula using the investment and loan conditions as parameters may be defined in advance in the finance calculation program.

The expected value of the yield and the rating value obtained as the calculation result are transferred from the finance calculation program to the WWW server, and sent together with the HTML document (see FIG. 3) for displaying the calculation result on the PC 30 by the WWW server (see FIG. 3). Step S30).

When there is an instruction from the PC 30 to change the investment and loan conditions, an HTML document for inputting the investment and loan conditions is sent. The procedure returns from step 30 to step S20, where new investment and loan conditions are received from the PC 30, and the expected yield and the rating value are calculated. The calculation result and the result are sent to the PC 30 and displayed on the PC 30. PC3
When the customer operates the YES button 53 of FIG. 3 on the display screen of No. 0, after transmitting the HTML document for inputting personal information, the application for investment and financing is received from the PC 30, and accordingly, the application is transmitted from the PC 30. WW for structured finance type information, investment and loan conditions, user ID, etc.
It is received by the W server and transferred to the PC of the department in charge by the gateway program or the like. For this purpose, a correspondence table between the structured finance type information and the communication address of the department in charge is prepared, and the communication address of the department in charge is acquired from the type information of the structured finance by the gateway program, and the received information is obtained. The data is distributed to the PC 13 indicated by the communication address by the gateway program (step S60). PC3
When another structured finance is selected on the 0 side, specifically, when the shift of the structured finance selection screen of FIG. 2 is instructed, the processing procedure is as follows.
The process returns from step S70 to step S10, and the structured finance simulation process and the process of receiving an application for investment and loan are repeatedly executed in the same manner as described above. Further, when the PC 30 shifts to the bank business guidance screen or disconnects, the processing procedure of FIG. 2 ends (step S70 → end).

FIG. 5 shows the processing procedure on the PC 30 side. FIG.
The processing content indicated by the processing procedure is realized by the browser executing an instruction defined in the HTML document provided from the WEB server 11.

The user instructs the PC 30 at the URL of the HTML document for structured finance selection to display the display screen shown in FIG. The user selects an arbitrary button 40 on this display screen to select a desired structured finance (step S100).
The HTLM document for the selected structured finance project guidance and investment condition input screen is WE
It is sent from the B server 11 and displayed on the PC 30. When the user inputs the investment and loan conditions from the keyboard, the web server 11 calculates the expected yield and the rating value based on the investment and loan conditions, and outputs the calculation result and the display HT to the PC 30.
Send the ML document. The PC 30 calculates the calculation result in accordance with the format shown in the received HTML document by reference numerals 51 and
52 (Steps S110 → S12)
0). When the user applies for structured finance investment and financing, if the user operates the YES button 53 in FIG. 3, the HTML document for inputting personal information is sent from the WEB server 11, and the user is notified of the information displayed on the PC 30. On the input screen, enter the necessary items and apply for financing (step S130 → S1)
35).

When the user wants to change the investment and loan conditions, he operates the YES button of the procurement method change button 54. In accordance with this operation, the procedure is changed from step S130 to step S14.
0 → Return to S110, the HTLM document for the project guidance / investment and loan condition input screen is
It is sent to 30 and the investment and loan conditions can be re-input.

The user operates the return button 55, or the structured finance application system 10
When the connection with C30 is disconnected, the processing procedure of FIG. 5 ends (step S150 → end).

The following embodiment can be carried out in addition to the above embodiment. 1) In the above embodiment, the HTML document is transmitted to the web server 1
1 provides the PC 30 with the selection of structured finance, guidance of the selected structured finance, input of investment and loan conditions, simulation of expected profit and reliability of investment and loan (expected value of yield and value of rating). Although the results are displayed and an application for investment is made, the above-described processing may be realized by other markup language documents, scripts, programs, or the like, instead of HTML documents. 2) Various parameters may be used as parameters representing the expected profit and reliability of the investment and loan depending on the type of structured finance. 3) The WEB server 11 may be constituted by one computer, or may be realized by distributed processing of a plurality of computers. As the PC 30, various information processing apparatuses with a communication function such as a mobile phone and a television with a communication function can be used other than the personal computer.

[0040]

As described above, according to the present invention, since the structured finance application system provides guidance on structured finance,
You can get an overview of structured finance on the terminal side. When a customer inputs investment and loan conditions for structured finance from a terminal, the terminal simulates the expected profit and reliability of structured finance by structured finance and presents the simulation to the terminal. As a result, the customer can determine whether or not to invest in structured finance, so that there is no need to visit a bank and consult. In addition, an application for investment and loan can be made remotely based on the simulation result.

Since the application is sent to the terminal of the department in charge of structured finance, an investment and loan contract for structured finance can be made quickly.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a system configuration according to an embodiment of the present invention.

FIG. 2 is an explanatory diagram illustrating an example of a screen displayed on a PC (terminal) side.

FIG. 3 is an explanatory diagram illustrating an example of a screen displayed on a PC (terminal) side.

FIG. 4 is a flowchart illustrating a processing procedure on the WEB server side.

FIG. 5 is a flowchart illustrating a processing procedure on the PC side.

[Explanation of symbols]

 10 Structured finance application system 11 WEB server 13, 30 PC 20 Communication network

Claims (3)

[Claims] 1. A means for providing guidance to an external terminal showing an outline of structured finance; a receiving means for receiving investment and financing conditions of the structured finance from the terminal; and an expected profit based on the received investment and financing conditions And an information processing means for simulating the reliability of structured finance, a means for transmitting the result of the simulation to the terminal, and a means for receiving an application for investment and financing from the terminal. . 2. The structured finance application system according to claim 1, wherein there are a plurality of structured finances, a specific structured finance is selected on the terminal side, and investment and loan conditions relating to the selected structured finance are set in the terminal. Structured finance application system characterized by input on the side. 3. The structured finance application system according to claim 2, further comprising a plurality of terminals installed in said plurality of departments in charge of structured finance, wherein said application for investment and loan received by said receiving means is performed by said receiving unit. A structured finance application system characterized by transferring to a terminal of a department in charge corresponding to structured finance selected by a terminal.