JP2002373248A - Real estate security loan reserve amount calculation system, real estate security loan reserve amount calculation program and recording medium having the program recorded thereon - Google Patents

Abstract

PROBLEM TO BE SOLVED: To save the manpower of the calculation of a bad loan reserve amount considered to be required in a financial institution and to perform simulations by changing parameters used for the calculation. SOLUTION: A real estate security loan reserve amount calculation system is provided with a data fetching device 12 fetching data regarding a loan balance for each debtor and the data regarding the appraised amount of real estate security, and a central processing unit 11 calculating a reception maximum amount recoverable from the security on the basis of the data regarding the security appraised amount fetched in the data fetching device 12, calculating security shortage on the basis of the reception maximum amount and the loan balance fetched in the data fetching device 12, calculating a reserve amount for each debtor from the security shortage and a reserve rate read from a storage device 18 and calculating the increase/decrease of the reserve amount at the time of changing the parameters used for the calculation.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a real estate secured loan allowance calculation system, a real estate secured loan allowance calculation program, and a recording medium on which the program is recorded. Belongs to the field of system design technology.

[0002]

2. Description of the Related Art In a financial institution such as a bank, an allowance for loan losses is calculated when a balance sheet is prepared for each settlement period. The amount of reserve is calculated by reversing capital in advance and recording it as a liability, such as losses that will occur in the next fiscal year or later, when the receivables as assets deteriorate, and is calculated as the ratio of capital to total assets due to the change in the amount of reserve. A certain capital ratio will fluctuate. And in the case of banks, business activities are regulated in accordance with this capital ratio.
Accurately calculating the amount of provision for each accounting period is required.

[0003] The calculation of the reserve amount is performed by first calculating, for each debtor, the difference between the credit balance corresponding to the current loan balance and the ultimate amount of credit corresponding to the amount recoverable from the set collateral, that is, The security deficiency is calculated (= credit balance-extremely accepted amount), and the security deficiency is multiplied by a predetermined allocation rate to calculate the allocation for the debtor. Then, the reserve amount for each debtor is made for all the debtors who have a transaction, and the total is calculated to calculate the reserve amount for the entire financial institution to be recorded on the balance sheet or the like.

[0004] In this case, in order to calculate the amount of reserve for each debtor with high accuracy, in addition to the valuation amount, particularly in the case of real estate collateral, in addition to the valuation amount, the security factor set for each collateral is considered. , Taking into account the amount of other people's claims or the like set in the same collateral in the first place or the first place (hereinafter referred to as "the first place extreme amount"),
Regarding the credit balance, in addition to the loan balance itself, a portion of the loan amount based on the guarantee of a third party, deposits and other collateral set up separately (hereinafter referred to as “guaranteed deposit amount”) are taken into consideration. Will be calculated.

Further, the allocation rate is, for example,
... A value set to a different value according to the classification according to the situation of the debtor, such as the bankrupt borrower or the bankruptcy (hereinafter referred to as “borrower classification”) is used.

[0006]

As described above, the calculation of the allowance for doubtful accounts requires a complicated calculation of the allowance using various data for all the debtors. Although the calculation of the amount is required, in the past, since this was manually performed, a great deal of labor and time were required when a balance sheet was prepared in each settlement period.

[0007] The calculation of the reserve amount is performed not only when preparing a balance sheet in the relevant accounting period, but also in order to predict the business condition of the financial institution in the future or to formulate an activity policy. It is desirable that this be done as needed, but as mentioned above, the amount of provision for each debtor depends on a number of parameters, such as the debtor classification, credit balance, or the value of the collateral real estate. Therefore, if the values of these parameters are changed one by one to simulate the total amount of reserves, an enormous amount of calculation is required.

Accordingly, the present invention makes it possible to use a computer to calculate the amount of reserve required for posting on a balance sheet, etc., and to save the labor of the calculation and to use the calculation for this calculation. It is an object of the present invention to provide a calculation system and a calculation program capable of simulating a provision amount by changing various parameters to be provided, and a recording medium storing the program.

[0009]

In order to solve the above problems, the present invention is configured as follows.

First, the invention relating to a real estate secured loan allowance calculation system according to claim 1 of the present application is a data acquisition means for acquiring data relating to the loan balance of each debtor and data relating to the valuation value of the secured real estate. A receiving extreme amount calculating means for calculating a receiving extreme amount recoverable from the collateral based on the data relating to the valuation value captured by the data capturing means; a receiving extreme amount calculated by the receiving extreme amount calculating means; A security shortfall calculating means for calculating a security shortfall based on the data on the loan balance taken in by the loading means; and a security shortfall calculated by the security shortage calculating means and a predetermined allocation rate for each debtor. A provision amount calculating means for calculating a provision amount.

According to a second aspect of the present invention, in the system according to the first aspect, the provision amount for each debtor calculated by the provision amount calculation means is changed to a debtor classification preset for each debtor. It is characterized in that a provision totaling means is provided separately or for all debtors.

According to a third aspect of the present invention, there is provided the system according to the first or second aspect, further comprising an allocation rate storing means for storing an allocation rate set for each debtor category, and The fetching means fetches the debtor classification set for each borrower when the data is fetched, and the reserve calculating means calculates the provisional debt from the above data fetching means when calculating the reserve from the collateral deficiency. The allocation rate for the debtor classification of the debtor is read from the allocation rate storage means, and the allocation amount is calculated using the allocation rate.

[0013] Further, the invention according to claim 4 is the system according to claim 3, wherein the allocation amount for each obligor calculated by the allocation amount calculating means, or the allocation amount for each obligor classification or for all the obligors. Provision amount storage means for storing the total amount; parameter change means for changing at least one parameter of the valuation value of the secured real estate captured by the data capture means, the loan balance for each debtor and the debtor classification; and Means for recalculating the provision amount for each obligor using the parameters changed by the parameter changing means, and the provision amount for each obligor stored in the above-mentioned provision storage means or for each obligor type Alternatively, the total amount for all debtors and the total amount for each debtor calculated by the above-mentioned reserve recalculation means, or the total for each debtor category or for all debtors By comparing the amount, characterized in that is provided with the allowance decrease calculation means for calculating the increase or decrease of the allowance by changing the parameters.

According to a fifth aspect of the present invention, in the system according to the fourth aspect, the parameter changing means, when changing the valuation value of the collateral real estate, includes, for each location or type, It is characterized by using the rate of change of the evaluation value input for each location and ward.

According to a sixth aspect of the present invention, in the system according to the fifth aspect, a change rate storage means for storing a change rate of the valuation value input by the parameter changing means is provided, and The calculation means calculates the evaluation value using the change rate stored in the change rate storage means.

According to a seventh aspect of the present invention, in the system according to any one of the fourth to sixth aspects, the reserve amount increase / decrease calculation means changes the reserve amount by changing the parameter change contents. Is repeatedly calculated, and a calculation result storage means for storing each calculation result is provided.

According to the calculation system of these inventions, the data and the security relating to the loan balance of each debtor are secured via a data acquisition means via a portable recording medium such as a magnetic recording medium or an optical recording medium or online. Data relating to the valuation value of the real estate is taken in, and based on these data, the maximum receiving amount that can be recovered from the collateral is calculated by the maximum receiving amount calculation means, and the maximum receiving amount and the loan are calculated by the shortage amount calculating means. The security shortage is calculated based on the data relating to the balance, and the allocation calculation means calculates the allocation for each debtor from the security shortage and a predetermined allocation rate.

According to the second aspect of the present invention, the provision amount is totaled for each debtor class set in advance for each debtor or for all the debtors, and the total amount is displayed on a display or the like. By displaying the information on a display device or printing it on a form or the like, it is possible to obtain the total amount of reserve for each debtor category and the total amount of reserve for the entire financial institution.

According to a third aspect of the present invention, there is provided an allocation rate storing means for storing an allocation rate set in advance for each of the debtor categories, and the debtor category set for each of the debtors is stored in the data. Therefore, even if it is not necessary to set the allocation rate for each debtor, when calculating the allocation amount for each debtor, it is possible to perform the calculation by referring to the above allocation rate storage means. By changing the allocation rate for each debtor category stored in the allocation rate storage means, it becomes possible to change and review the allocation rate for all the debtors at once.

According to the fourth aspect of the present invention,
The current reserve amount of each debtor calculated by the reserve amount calculation means or the total amount of the reserve amounts for each debtor category or for all the debtors calculated based on this is stored in the reserve amount storage means. The provision amount is recalculated by changing the predetermined parameters used for calculating the provision amount by the provision amount recalculating means, and the provision amount for each debtor or the debtor calculated based on this is calculated. After the total amount of provision for each category or for all debtors and the corresponding amount stored in the above storage means are compared by the provision amount increase / decrease calculation means, and after changing the parameters for the current provision amount, Will need to be increased or decreased.

Therefore, for example, when the valuation value of the collateral real estate fluctuates due to land price fluctuations, or when the obligor classification of the obligor is changed, the reserve amount for each obligor, or by the obligor category or by the relevant financial institution It is possible to simulate the total amount and predict the increase or decrease.

In this case, according to the system described in claim 5, when the simulation is performed using the valuation value of the secured real estate as a parameter, the valuation value of each secured real estate is not changed individually for each secured real estate. The valuation will be changed at the same time for each location or for the type and the rate of change entered for each location.

According to the system of the sixth aspect, the above-mentioned fluctuation rate is stored in the fluctuation rate storage means, and at the time of simulation, the valuation amount or the provision amount of the secured real estate is calculated using the stored fluctuation rate. Since it is recalculated, for example, it is possible to predict a change in land price or the like, and to input a change rate for changing the valuation value in advance. Will be used to recalculate the provision.

According to the seventh aspect of the present invention,
Since the simulation can be repeatedly performed with different parameter changes, it is possible to perform a simulation in which, for example, a specific parameter is changed little by little to check how the allocation increases or decreases.

On the other hand, the real estate secured loan allowance calculation program described in claim 8 is a computer which acquires data on the loan balance of each debtor and data on the valuation value of the secured real estate by a computer. Receiving extreme amount calculating means for calculating the ultimate receiving amount recoverable from the collateral based on the data on the valuation value taken in by functioning as the capturing means; receiving extreme amount calculated by functioning as the receiving extreme amount calculating means; A collateral deficiency calculation means for calculating a security deficiency based on the data on the loan balance taken in by functioning as the data acquisition means, and a security deficiency calculated by functioning as the security deficiency calculation means and a predetermined value. It is characterized by functioning as a reserve calculation means for calculating the reserve for each debtor from the reserve ratio.

According to a ninth aspect of the present invention, there is provided the program according to the eighth aspect, wherein a computer further functions as a reserve calculating means and calculates a reserve amount for each debtor in advance. The function is to function as a provision totaling means for summing up the debtor categories set in (1) or for all debtors.

According to a tenth aspect of the present invention, in the program according to the eighth or ninth aspect, the computer is further provided as an allocation rate storing means for storing an allocation rate set for each debtor category. When functioning as data acquisition means, it is made to function to take in the debtor classification set for each obligor, and when it is made to function as provision amount calculation means, it is made to function as the data acquisition means. The allocation rate for the debtor category of the obligor taken in is read out from the stored data by functioning as the allocation rate storage means, and the allocation rate is calculated using the allocation rate. .

Further, in the invention according to claim 11, in the program according to claim 10, the amount of reserve for each obligor calculated by causing a computer to function as an allowance amount calculating means, or by the obligor classification. Alternatively, a reserve amount storage unit that stores the total amount of all debtors, a valuation value of the secured real estate taken in by functioning as a data acquisition unit,
Parameter changing means for changing at least one of a loan balance and a debtor category for each debtor, and an allowance for recalculating a reserve amount for each debtor using the changed parameters by functioning as the parameter changing means. The recalculation means, the reserve amount for each debtor stored and functioned as the reserve storage means, or the total amount for each debtor category or for all debtors, and the debt calculated by functioning as the reserve recalculation means By comparing the amount allocated to each debtor or the total amount for each debtor category or for all debtors, and calculating the increase or decrease in the amount of reserve due to parameter changes. .

According to a twelfth aspect of the present invention, in the program according to the eleventh aspect, when the computer is operated as a parameter changing means to change the valuation value of the secured real estate, Alternatively, it is characterized in that the function is changed so as to change using the type and the rate of change of the evaluation value inputted for each location and ward.

According to a thirteenth aspect of the present invention, in the program according to the twelfth aspect, the computer functions as a change rate storage means for storing a change rate of the input evaluation value by causing the computer to function as a parameter changing means. In addition, when functioning as the provision amount recalculating means, the evaluation value is calculated using the fluctuation rate stored and functioned as the fluctuation rate storage means.

According to a fourteenth aspect of the present invention, in the program according to any one of the eleventh to thirteenth aspects, when the computer is caused to function as a reserve increase / decrease calculating means, the contents of the parameter change are not changed. It is characterized in that it is possible to repeatedly calculate the increase or decrease in the provision amount by making it different and to function as a calculation result storage means for storing each calculation result.

The programs according to claims 8 to 14 cause a computer to function in the same manner as the systems according to claims 1 to 7, and thus achieve the same operations as the above-described systems.

Further, the recording medium according to claim 15 of the present application records the real estate secured loan allowance calculation program according to any one of claims 8 to 14, so that the recording medium can be converted from the medium to claim 8 to claim 8. By causing a computer to read the program according to any one of the fourteenth aspects, it becomes possible to cause the computer to function in the same manner as the systems according to the first to seventh aspects.

[0034]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of a real estate secured loan allocation calculation system and a real estate secured loan allowance calculation program according to the present invention will be described below. The following description assumes that the system is used in a bank.

First, a description will be given of a computing system according to this embodiment. As shown in FIG. 1, a computer 10 constituting the system has a central processing unit 11 configured with a CPU and the like to execute various processes. The central processing unit 11 includes a data capture device 12 such as a disk driver that captures data from a store via a magnetic storage medium or an optical storage medium, and a keyboard used to control the operation of the computer 10 and input data. An input device 13 such as a computer and a mouse, a display device 14 such as a display for displaying the operation state of the computer 10 and processing results, and a printing device 15 such as a printer for printing various data and processing results are connected. .

Here, as a system for taking in data online, a modem or other receiving device is used as the data taking-in device 12.

The computer 10 has a program storage device 16 storing a program for controlling its operation, and various data such as data fetched from outside by the data fetching device 12 and results calculated using the data. A main data storage device 17 for recording and storing data in a collateral information table T1 and a supplier information table T2, and an allocation rate table T11, a security type table T12, district information Auxiliary data storage device 1 stored as table 13, branch information table T14, and change rate table T15
8 are connected.

Next, various data handled by this system will be described.

First, the data (hereinafter, referred to as “captured data”) from each business office, which is captured by the data capture device 12, will be described. As shown in FIG. Account number and name of the client (borrower), the borrower classification of the client, credit balance that is the loan balance to the client, guarantees that the credit balance can be reliably collected and guarantees by deposit collateral, etc. Includes deposit amount and collateral details.

The security description includes a security number assigned to each customer, a type code indicating whether the secured real estate is a residential area or a commercial area, and a secured real estate. The district code indicating the district, the current valuation value of the collateral real estate, the safety factor indicating the certainty of debt collection specified for each collateral, and the first to fifth credits of each financial institution set to the same collateral The data such as the setting contents of.

Further, the data of the settings 1 to 5 are
Each of the ranking, the creditor, and the set amount (the set maximum amount for each creditor), for example, the account number “10” shown in FIG.
The collateral number “1” and “2” of the business partner “010” indicates that only the Bank is the creditor or that the Bank is the top creditor, and that the bank with the account number “10011” The collateral with the number “1” indicates that the other bank is the creditor with the first rank and the bank is the creditor with the second rank, and the collateral with the number “1” of the business partner with the account number “10012”. Indicates that the Bank and other banks are the first-ranked creditors of the same rank.

Then, the above-mentioned data is taken into the system together with the code number and the name of the business office via a recording medium or online.

Next, the data storage device 1 of the system
7 and 18, the table stored in the auxiliary data storage device 18 will be described first.
3, as shown in FIG. 3, each business partner (borrower) is divided into, for example, five stages from a normal company to a bankruptcy company based on the repayment status of loans and the like, and is set in advance according to each stage. The security type table T12 registers codes preset for each type of real estate security, such as a residential area or a commercial area, as shown in FIG. Things.

As shown in FIG. 5, the district information table T13 is used to register a preset district code for each district where the collateral real estate is located. As shown in FIG. 6, a store number preset for the head office and each branch of the bank is registered. Further, the fluctuation rate table T
As shown in FIG. 7, reference numeral 15 records the rate of change of the evaluation value for each type of secured real estate and each location.

On the other hand, the main data storage device 17 stores the security information table T1 and the supplier information table T as described above.
2 are stored in the security information table T1.
Records the details of real estate collateral set as loan collateral, and as shown in FIG. 8, for each collateral, the store number of the handling business office, the account number of the business partner, and each business partner Record the collateral number assigned to each collateral, the type code for each collateral, the district code, and the safety factor, and the contents of the first to fifth receivables of each financial institution set to the same collateral Fields F1 to F11 are provided, and corresponding fields of the fetched data are written in these fields F1 to F11.

The collateral information table T1 also includes a calculation column before the simulation for calculating the ultimate amount of receivable indicating the recoverable amount from each collateral calculated using various data, based on the acquired data. And a post-simulation calculation column for changing and recalculating the collateral valuation value of the acquired data, and in both calculation columns, the collateral valuation value, collateral power, Fields F12 to F16 and F12 'to F16' are provided for recording the order extreme amount and the received extreme amount as a calculation result, respectively.

Of these fields, the fields F14 and F14 'of the set maximum amount in both calculation fields include:
The set maximum amount included in the acquired data is recorded, and the valuation amount included in the acquired data is changed to the valuation amount field F12 ′ after the simulation in the valuation amount field F12 before the simulation. Each valuation is recorded.

In each of the calculation fields, the collateral force calculated from the evaluation value and the safety factor according to the following equation (1) is recorded in the collateral force fields F13 and F13 '. Fields F15 and F15 'record the amount of money that the creditor of the first or equal rank with respect to the security has the right to collect. Further, based on the collateral strength and the first-placed extreme amount, the ultimate amount of acceptance is calculated according to the following equation (2), and further, the set extreme balance is calculated according to the following equation (3).
The data is recorded in F16 'and F17'.

(1) Collateral strength = Evaluation amount × Safety factor (2) Extreme amount of acceptance = Collateral force−Extreme amount of first place (If the result is negative, extreme amount of acceptance = 0) (3) Extreme amount set = Setting Extreme amount-Accepted extreme amount When the set extreme amount is smaller than the collateral force obtained by subtracting the first-ranked extreme amount, the set extreme amount becomes the accepted extreme amount when calculating the accepted extreme amount in the above equation (2). That is, the ultimate amount of money that can be collected from collateral is calculated based on the smaller of the collateral force obtained by subtracting the first-ranked extreme amount and the set extreme amount.

Further, the supplier information table T2 stored in the main data storage device 17 stores an allocation amount for each supplier by using the received data and the ultimate amount of the security information table T1 calculated as described above. To calculate
As shown in FIG. 9, fields F21 to F24 are provided for each business partner to record a store number indicating a business branch, an account number, the name of the business partner, and a guarantee deposit. These fields F21 to F24 are provided. In F21 to F24, corresponding ones of the above-mentioned fetched data are written.

Further, in this supplier information table T2,
Calculation column before simulation for calculating the amount of reserve for the business partner calculated using various data based on the above-mentioned imported data, etc., and after simulation for changing any data and recalculating Fields F25 to F30, F2 for recording the debtor classification, credit balance, net credit balance, total amount of ultimate credit, collateral deficiency amount and reserve amount, respectively.
5 'to F30' are provided.

Of these fields, the obligor category and credit balance fields F25 and F26 before the simulation record the debtor category and credit balance included in the captured data, respectively, and the net credit balance field F27 records the net credit balance calculated from the above credit balance and the guaranteed deposit amount according to the following equation (4). The total receiving ultimate amount field F28 contains the net credit balance calculated in the above collateral information table T1. The total value of the maximum amount of collateral received for each collateral of the business partner (the maximum amount of collateral when there is one collateral) is recorded, and the above-mentioned net credit balance and the total of the maximum amount of collateral received are recorded in the collateral shortage field F29. The collateral deficiency calculated from the following equation (5) is recorded.

(4) Net Credit Balance = Credit Balance−Guarantee Coverage (5) Collateral Insufficiency = Net Credit Balance−Accepted Extreme Total In the reserved amount field F30, the debtor classification field F25 is recorded. After reading the allocation rate corresponding to the borrower category from the allocation rate table T11 in FIG. 3, the allocation amount calculated according to the following equation (6) based on the allocation rate and the security shortage is recorded.

(6) Allocated amount = amount of security shortage x allocation ratio Each field F2 in the calculation column after simulation
The same applies to 5 ′ to F30 ′, but the fields F25 ′ and F26 ′ of the debtor classification and credit balance in the calculation column after the simulation show the debtor classification or credit changed from the value in the captured data. The balance may be recorded, and a field F28 'for the total amount of the ultimate amount received.
Records the total of the maximum amount of acceptance based on the changed evaluation value recorded in the field of maximum acceptance after simulation in the security information table T1. Then, the allocation amount is calculated by the same calculation as that before the simulation, and this is recorded in the field F30 'of the allocation amount after the simulation.

Further, the supplier information table T2 is provided with a field F31 for recording an increase / decrease in the reserve amount for each supplier, and calculates an increase / decrease amount of the reserve amount after the simulation with respect to the reserve amount before the simulation. It is to be recorded.

Next, the configuration of a program for controlling the system will be described with reference to the flowcharts of FIGS. 10 and 11 showing the operation of the system.

First, at the start of the process, as step S 1, data from each business office sent via a recording medium or online is taken in by the data taking device 12, and then, in step S 2, a normalizing process is performed. Do. In this normalization process, it is determined whether or not data from all business offices to be processed has been captured,
A process for instructing a business office that has not taken in data, a process of instructing it, and a process of converting the taken data into a state in which it can be written in the collateral information table T1 and the supplier information table T2 stored in the main data storage device 17 are performed. Done. When the normalizing process is completed, step S
3, the main screen W shown in FIG.
1 is displayed.

On the main screen W1, an import button for recording the captured data in predetermined fields of the security information table T1 and the supplier information table T2 and for performing a predetermined calculation using these data is displayed. B
1 and buttons B2 to B4 for simulation described later
A list print button B5 for printing simulation results and the like; a management button B6 used for changing the recorded contents of various tables T11 to T14 stored in the auxiliary data storage device 18 and shown in FIGS. And an end button B7 for ending the allocation calculation work using the system.

Then, the various tables T11 to T14
If it is not necessary to change the contents of the table T, the import button B1 is clicked.
When the management button B6 is clicked to change the contents of 11 to T14, the process proceeds from step S5 to step S6.
Of the allocation rate table T11, the security type table T12, the district information table T13, and the store information table T14 shown in FIGS. In this case, when the value of the allocation rate according to each section of the allocation rate table T11 is changed, the allocation amount for each business partner or the bank as a whole is affected.

Thereafter, when the data management processing is completed, the screen of the display device 14 is returned to the main screen W1 shown in FIG. 11 in step S7. However, when the end button B7 is clicked, the processing proceeds to step S8. After that, the processing of the system is terminated.

On the other hand, when the import button B1 is clicked on the main screen W1, the calculation or simulation processing of the reserve amount from step S4 to step S9 in the flowchart is executed.

That is, first, in step S9, various data included in the data taken in from the above-mentioned branch office are converted into the fields F1 to F11 and F12 of the security information table T1 shown in FIG.
And F14, and fields F21 to F24, F25 and F26 of the supplier information table T2 shown in FIG.

Then, in step S10, based on these data, first, the first tied extreme amount is calculated, and the field F15 before simulation in the security information table T1 is calculated.
Then, the collateral force or the ultimate amount of acceptance is calculated according to the above-mentioned equations (1) to (3), and these are recorded in the corresponding fields F13 and F16 before the simulation.

Further, in step S11, the maximum amount of receipt for each security is totaled for each customer, and the total value of the maximum amount of receipt is recorded in the field F28 of the supplier table T2 before the simulation, and then the maximum value of this maximum value is received. Based on the total, the previously written data, and the allocation rate read from the allocation rate table T11 according to the type of the business partner, the net credit for each business partner is calculated according to the above-described formulas (4) to (6). Calculate the balance, the amount of collateral deficiency, the reserve amount, etc., and calculate them in the fields F27, F29,
Record in F30.

As a result, the allocation amount for each business partner, which is the calculation purpose, has been obtained based on the data taken in from each business office. Therefore, at this point, by summing up the provision amount for each business partner for each business office, the total current provision amount for each business office is calculated,
The provision amount for the bank as a whole may be calculated by totalizing the provision amounts for each branch or summing the provision amounts for all business partners.

Next, predetermined data among the data used in the above-described calculation of the reserve amount is changed as a parameter, and the process proceeds to a simulation process for predicting how the reserve amount will change. Will be.

In this process, first, in step S12,
Fields F12 to F16 of the security information table T1
Before the simulation recorded in the fields F25 to F30 of the supplier information table T2 and the fields F12 'to F16' and F25 'in the tables T1 and T2 after the simulation. To F30 '. Here, in FIGS. 8 and 9, the transcribed data, that is, the data indicating the same contents as before the simulation is “〃”.
It is indicated by the symbol.

Then, in steps S13 to S15, the simulation button B2 displayed on the main screen W1,
It waits until one of the evaluation value change button B3 and the debtor classification / credit balance change button B4 is clicked.

Then, first, for example, an evaluation value change button B3
If the is clicked, steps S14 to S16 are executed, and the screen W2 for changing the security valuation shown in FIG.

On this screen W2, a type selection box CB1 for selecting the type of security whose valuation is to be changed, a district information list LB1 displaying the district code and district name read from the district information table T13, and an update Button B
8, a print button B9 and a return button B10 are displayed, and the rate of change of the district whose valuation is to be changed is entered in the column of the rate of change of the district information list LB1.

Now, as shown in the figure, the type selection box CB
For example, it is assumed that a residential area is selected by 1 and, for the areas indicated by the codes 4 and 7, for example, -15% and -10%, respectively, are input due to a decrease in land prices, and the update button B8 is clicked. It shall have been done.
At this time, in step S17 of the flowchart, the input change rate is recorded in the change rate column of the record corresponding to the type and district in the change rate table T15 in FIG.

Then, the return button B1 on the screen W2
If 0 is clicked, step S18 to step S
19 is performed, and the screen returns to the main screen W1.

Further, on the main screen W1, the debtor classification /
When the credit balance change button B4 is clicked, steps S15 to S20 are executed, and the display device 14
14 displays a debtor classification / credit balance change screen W3 shown in FIG.

On this screen W3, selection boxes CB2 and CB3 for designating a store number and an account number of a business partner whose debtor classification or credit balance is to be changed, and security information on the business partner selected by these. List box LB2 for displaying various data recorded in table T1 and supplier information table T2, and list box LB for displaying details of collateral set for the supplier
3, a segment selection box CB4 for changing the debtor class for simulation and a text box TB1 for changing the credit balance, an update button B11 and a return button B
12 is displayed.

Then, as shown in FIG. 14, for example, assuming that the business partner with the store number "2" and the account number "10011" is designated by the selection buttons CB2 and CB3, the security information table T1 and the business partner Information table T2
Are displayed in the list boxes LB2 and LB3, respectively, and, for example, in this state, the debtor classification of the business partner, which is currently "B", is changed to "C". Select box C to do
If it is specified in B4 and the update button B11 is clicked, a new allocation rate "5"
0% "and step S in the flowchart.
At 21, the division "C" is recorded in the field F25 'of the obligor division after simulation in the record R3 of the supplier information table T2 in which the data of the supplier is recorded.

Similarly, for example, if the credit balance of the business partner with the store number “2” and the account number “10012” is changed, the record R4 in the business partner information table T2 where the data of the business partner is recorded is changed. The changed credit balance is recorded in the credit balance field F26 'after the simulation. When the return button B11 on the screen W3 is clicked, steps S22 to S19 are executed, and the screen returns to the main screen W1.

Thereafter, when the simulation button B1 on the main screen W1 is clicked, steps S13 to S23 to S25 are executed, and the aforementioned step S23 is executed.
10, the ultimate amount of each collateral is calculated by exactly the same calculation as the calculation before the simulation in S11, and the reserve amount is calculated for each business partner using this.

In this case, as shown in FIG. 7, among the secured real estate displayed in the change rate table T15, for example, the type is “residential area” and the district codes are “4” and “7”.
If the rate of change of the valuation value is recorded for the collateral, the valuation value is recalculated according to the following equation (7) based on the change rate, and as shown in FIG. Regarding the records R1 and R2, the recalculated valuation is recorded in the valuation after simulation field F12 '.

(7) Revaluation amount = (1 + rate of change) × valuation amount For the records R 1 and R 2, the maximum acceptance amount changes with the change in the evaluation amount, and the corresponding transaction is performed. As shown in the record R5 of the destination information table T2, the total receiving extreme degree of the business partner “10010” also changes, and finally the allocation amount changes.

Further, as shown in the record R3 of the supplier information table T2, if the debtor classification is changed, the allocation rate of the supplier changes according to the change, and the amount of the allocation of the supplier changes. As shown in record R4 of the supplier information table T2, if the credit balance has been changed,
This will result in a change in the collateral deficiency or reserve calculated for the customer.

Then, in step S26, for each business partner, an increase / decrease in the allocation amount after simulation with respect to the allocation amount before simulation is calculated, and this is recorded in the allocation amount increase / decrease field F31 of the business partner information table.

When the simulation button B1 is clicked without clicking the evaluation value change button B3 on the main screen W1, if the change rate is recorded in any record in the change rate table T15, The valuation value of the collateral real estate is recalculated based on the change rate, and the provision amount after simulation of the corresponding business partner changes accordingly, and the provision amount of the business partner increases or decreases. When the fluctuation rate is not recorded in the fluctuation rate table T15, the contents of the respective fields of the corresponding records of the collateral information table T1 and the supplier information table T2 after the simulation are the same as the contents of the fields before the simulation. The increase / decrease in the provision amount of the customer is 0. Also, if the simulation button B1 is clicked without clicking the debtor classification / credit balance change button B4, the increase / decrease in the reserve amount for each business partner becomes zero.

The simulation process is completed as described above. Then, in order to output the result, step S27
Then, if the print button B5 on the main screen W1 is clicked, the print processing in step S28 is executed. In this process, the type of the list to be printed is specified. For example, an allocation amount list having substantially the same contents as the supplier information table T2,
As shown in FIG. 15, the provision amount list with a security statement to which the content of the security information table T1 is added.
After performing necessary tallying processing, the total amount of reserves by debtor category in which total reserves for each branch are aggregated for each branch, and as shown in FIG. The totaled reserve amount list by business branch L2 and the like are printed. In this case, the last lines of these total lists L1 and L2 show the current amount, the simulated amount, and The increase or decrease is described.

When the change rate of the evaluation value is input on the screen W2 and the update button B8 is clicked, the input change rate is recorded in the corresponding column of the change rate table T15 in step S17 of the flowchart. Then, if the return button B10 is clicked thereafter, step S1
8 to execute step S19 and return to the main screen W1. Then, when the end button B7 on the main screen W1 is clicked in this state, the processing ends through step S29. In this case, the record of the fluctuation rate table T15 remains, so that the next time a simulation process is performed, the valuation amount or the provision amount is calculated using the fluctuation rate recorded in the table T15, Therefore, prior to the process of calculating the reserve amount, it is possible to predict a change in the land price or the like, and to input only the rate of change of the evaluation value in advance.

Further, a plurality of calculation columns after the simulation in the security information table T1 and the supplier information table T2, a plurality of fields F31 for increasing and decreasing the allocated amount in the supplier information table T2, or data after the simulation are recorded. If a dedicated table is prepared, the simulation is performed after changing one of the parameters, and when the simulation is performed again after changing the parameter without clicking the end button B7,
Steps S13 to S28 of the flowchart are repeatedly executed, and the result of each simulation can be recorded in the above-described collateral information table T1, the supplier information table T2, and a dedicated table.
For example, it is possible to perform a process of examining a change in the reserve amount when a specific parameter is changed little by little.

[0086]

As described above, according to the real estate secured loan allowance calculation system, the calculation program, and the recording medium on which the program is recorded according to the present invention, a financial institution records on a balance sheet. Can automatically calculate the amount of reserve required, which saves a huge amount of time and human labor conventionally required for the calculation, and has a great economic effect. become.

Further, since it is possible to simulate the provision amount by changing and recalculating various parameters used in the calculation of the provision amount, for example, a decrease in the valuation value of the collateral real estate due to a decrease in land prices, It is possible to predict in advance the increase or decrease in the provision amount of the debtor by reviewing the debtor classification, etc., so that it is possible to appropriately formulate future activity policies and respond to changes in the situation at the financial institution. It will also contribute to improving the business condition, for example.

[Brief description of the drawings]

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

FIG. 2 is an explanatory diagram showing a configuration of data handled by the system.

FIG. 3 is an allocation rate table by debtor category used in the system.

FIG. 4 is also a security type table.

FIG. 5 is also a district information table.

FIG. 6 is also a branch information table.

FIG. 7 is also a valuation amount change rate table.

FIG. 8 is a security information table used for calculating an allocation rate in the same system.

FIG. 9 is also a supplier information table.

FIG. 10 is the first half of a flowchart showing the processing operation of the program according to the embodiment of the present invention.

FIG. 11 is also the latter half.

FIG. 12 is an explanatory diagram of a main screen of the display device in the system of FIG. 1;

FIG. 13 is also an explanatory diagram of a security evaluation value change screen.

FIG. 14 is also an explanatory view of a debtor classification / credit balance change screen.

FIG. 15 is an explanatory diagram showing an example of printing a calculation result by the system.

FIG. 16 is an explanatory diagram showing another print example.

[Explanation of symbols]

 REFERENCE SIGNS LIST 10 computer 11 central processing unit 12 data capture device 13 input device 14 display device 15 printing device 16-18 storage device

 ──────────────────────────────────────────────────続 き Continuation of front page (72) Inventor Yoshinori Kagawa 1-5-8 Shinmachi, Nishi-ku, Osaka-shi Japan Research Institute, Limited

Claims (15)

[Claims] Claims: 1. Data acquisition means for acquiring data on the loan balance of each obligor and data on the valuation value of collateral real estate, and recovery from the collateral based on the data on the valuation value acquired by the data acquisition means. A maximum receiving amount calculating means for calculating a possible maximum receiving amount, and a security shortage is calculated based on the maximum receiving amount calculated by the maximum receiving amount calculating means and the data on the loan balance taken in by the above data taking means. Real estate secured lending comprising a security shortage calculation means, and a provision calculation means for calculating a provision amount for each debtor from the security shortage calculated by the security shortage calculation means and a predetermined allocation rate. Provision amount calculation system. 2. A method in which a provision totaling means is provided which totals the amount of reserve for each debtor calculated by the reserve calculation means for each debtor category set in advance for each debtor or for all debtors. The real estate secured loan allowance calculation system according to claim 1, wherein: 3. An allocation rate storage means for storing an allocation rate set for each debtor category, wherein the data capture means captures the debtor category set for each debtor when capturing data, and allocates the allocation. The amount calculating means, when calculating the provision amount from the collateral deficiency, reads the allocation rate for the debtor class of the debtor fetched by the data capturing means from the allocation rate storage means, and uses this allocation rate. 3. The real estate secured loan allowance calculation system according to claim 1 or 2, wherein the reserve is calculated by using the following method. 4. A reserve amount storage means for storing the reserve amount for each debtor calculated by the reserve amount calculation means, or a total amount for each debtor category or for all the debtors, and a security taken in by the data capture means. Parameter changing means for changing at least one of the real estate valuation value, the loan balance for each debtor, and the debtor category; and reallocating the reserve amount for each debtor using the parameters changed by the parameter changing means. Means for recalculating the provision amount to be calculated, the provision amount for each debtor stored in the provision amount storage means or the total amount for each debtor category or for all debtors,
Reserve amount for each debtor calculated by the above reserve amount recalculation means,
Or a means for calculating an increase / decrease in reserve amount by comparing the total amount for each obligor or the total amount for all obligors, and calculating an increase / decrease in reserve amount due to parameter change. The real estate secured loan allowance calculation system described in. 5. The parameter changing means, when changing the valuation value of the secured real estate, uses a rate of change of the valuation value input for each location or for each type and location. The real estate secured loan allowance calculation system according to claim 4. 6. A change rate storage means for storing a change rate of the evaluation value input by the parameter change means,
6. The real estate secured loan allowance calculation system according to claim 5, wherein the reserve recalculation means calculates the valuation amount using the change rate stored in the change rate storage means. 7. The allocation amount increase / decrease calculation means is capable of repeatedly calculating the increase / decrease of the allocation amount by changing the parameter change contents, and is provided with a calculation result storage means for storing each calculation result. The real estate secured loan allowance calculation system according to any one of claims 4 to 6, characterized in that: 8. A data acquisition means for causing a computer to acquire data on the loan balance of each debtor and data on the valuation value of the secured real estate, and based on the data on the valuation value acquired by causing the computer to function as the data acquisition means. Receiving extreme amount calculating means for calculating the receiving extreme amount recoverable from the collateral, the receiving extreme amount calculated by functioning as the receiving extreme amount calculating means and the data on the loan balance taken in by functioning as the above data receiving means Means for calculating a security shortfall based on the above, and a reserve for calculating a reserve for each obligor from the security shortage calculated by functioning as the security shortage calculation means and a predetermined allocation rate. Real estate secured loan allowance calculation program to function as calculation means. 9. A function as a provision totaling means for summing a reserve amount for each debtor calculated by causing a computer to function as a reserve amount calculating means for each debtor class preset for each debtor or for all debtors. 9. The program for calculating a real estate secured loan allowance according to claim 8, wherein: 10. When the computer is caused to function as an allocation rate storing means for storing an allocation rate set for each obligor class and, at the same time, to function as a data acquisition means, the obligor class set for each obligor is used. When it is made to function as the acquisition function and as the allocation amount calculation means, the allocation rate for the debtor class of the obligor taken in by functioning as the data acquisition means is stored and operated as the allocation rate storage means. 10. The real estate secured loan allowance calculation program according to claim 8 or 9, wherein the program is configured to read from the obtained data and to calculate an allowance using the allowance rate. 11. A reserve amount storage unit for storing a reserve amount for each debtor calculated by causing a computer to function as a reserve amount calculation unit, or a total amount for each debtor classification or for all debtors, and a data acquisition. Parameter changing means for changing at least one of the valuation value of the secured real estate taken in by functioning as a means, the loan balance for each debtor and the debtor classification, and using the parameter changed and functioned as this parameter changing means. Means for recalculating the amount of provision for each debtor, the provisional amount for each debtor stored and functioning as the above-mentioned provision storage means, or the total amount for each debtor category or for all debtors; Provision amount for each debtor calculated by functioning as the above reserve recalculation means, or total amount for each debtor category or for all debtors 11. The real estate secured loan allowance calculation program according to claim 10, wherein the program is made to function as an allowance increase / decrease calculating means for comparing the amount with the amount to calculate an increase / decrease in the allowance due to the parameter change. 12. When changing the valuation value of collateral real estate by causing a computer to function as parameter changing means,
12. The real estate secured loan allowance calculation program according to claim 11, wherein the program is operable to change using the rate of change of the valuation value input for each location or each type and location. 13. When the computer is caused to function as a parameter changing means and function as a change rate storing means for storing a change rate of an inputted evaluation value, and when the computer is caused to function as a provision amount recalculating means, the change rate storing means is used. 13. The real estate secured loan allowance calculation program according to claim 12, wherein the valuation amount is calculated using the change rate stored and operated as a function. 14. When making a computer function as an allocation increase / decrease calculating means, the change of the parameter can be changed so that the increase / decrease of the allocation can be repeatedly calculated.
14. A function as a calculation result storage means for storing each calculation result.
The real estate secured loan allowance calculation program according to any of the above. 15. A computer-readable recording medium which records the real estate secured loan allowance calculation program according to any one of claims 8 to 14.