JP2003022372A - Method for distributing accumulated shared fund - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a distributing method for an accumulated shared fund, in which each member can easily perform time adjustment, without calling the members to meet each another, an operation burden is small and many persons can participate. SOLUTION: An operator collects a fixed amount of premium per unit from the members monthly, defining twelve months as date of expiration. Premium is collected with a money transmission means such as a transfer to the bank account managed by the operator who is sponsoring the fund. A person, who receives refund is decided, by bidding in which wishers bid a return rate every month. The wishers participate in bidding by using a well-known communication means, such as telephone. When a member once becomes a successful bidder, the member can no longer participate in subsequent biddings, so that every member obtains a refund throughout one year. The refund is an amount obtained by multiplying the total premium amounts of one member at the date of expiration by a return rate of a successful bidding. The upper limit of the return rate is preliminarily set, so as to increase gradually by each month and finally reaches 100%. Accordingly, the earlier a refund is received, the smaller the return rate is. Fund interests are generated from the difference amount between prearranged premiums at the date of expiration and the refund, and a dividend is distributed to each member.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method of distributing fund-funded shared funds in which collective funds, which are members' periodical contributions, are sequentially paid back to members after deducting interest according to the need for funding. Is.

[0002]

2. Description of the Related Art Conventionally, for example, a fixed number of members are set to collect subscribers, and a fixed contribution is made to each member at a fixed date. There is a so-called inexhaustible method of sequentially delivering a predetermined amount of money to subscribers.

[0003]

SUMMARY OF THE INVENTION In the above conventional method,
Since the members actually gather in the prescribed place, it is necessary to make advance preparations such as selecting the place and adjusting the time of each subscriber, and the operational burden including expenses etc. is large and it is inefficient. When there are many members, clerical work such as calculation becomes complicated,
The problem is that it is difficult for many people to participate. Therefore, it is an object of the present invention to provide a method for distributing a fund for sharing fund that allows a large number of people to participate, which does not require a holding place, has a degree of freedom in time, reduces the management burden.

[0004]

In order to solve the above problems, in the first invention, the operator collects a predetermined amount of stakes from a plurality of members on a regular basis until a maturity,
A person who wishes to withdraw a refund periodically bids for a return rate, and the winning bidder receives a refund with the return rate multiplied by the expected total amount of the stake in his maturity, and other persons except the person who received the refund. Is a method of distributing shared funds in which participants participate in subsequent bids and receive refunds one after another at regular intervals.The levy is collected by the member's remittance means, and the bid is sent via the communication means to the operator. Adopted a method of sharing funded shared funds to participate. In the second aspect of the invention, the upper limit of the return rate is set in advance so as to increase stepwise at regular intervals and reach 100% at maturity. In the third invention, when the successful bidder cannot be determined by bidding, instead of this, the person determined by the lottery receives the refund at the upper limit of the return rate. In the fourth invention, the number of people who receive a refund is the number obtained by dividing the total number of members by the number of bids or lottery. In the fifth aspect of the invention, other than the person who receives the refund, each person receives the dividend paid by multiplying the bet amount for each period by subtracting the return rate from 100%.

[0005]

BEST MODE FOR CARRYING OUT THE INVENTION An embodiment of the present invention will be described with reference to the table. In the present embodiment, the operator preliminarily records the telephone number, the address, the number of the applicant, and the number allotted to each person separately for each type of premium, and stores and manages these. These may be collected and recorded at the time of the first bid. In addition, the use of the homepage through telephone, facsimile, the Internet,
It may be performed by a known communication means such as electronic mail.

[0006] The operator collects a certain amount of monthly premiums from the members, and the period is 12 months. As shown in Table 1, if 36 members, for example, accumulate 30,000 yen per unit per month, 1.08 million funds will be collected in one month. Members can also accumulate two or more units per person. Collection of stakes will be made by well-known remittance means such as transfer to a bank account managed by the organizer or mail by registered mail.

A person who receives a refund determines the return rate by a bid system in which each applicant desires a return rate every month. Participation in this bid will be carried out by the above communication means to the operator. The number of successful bids per month is three, which is the total number of members 36 divided by 12, and once you make a successful bid, you cannot participate in subsequent bids. If the successful bidder cannot be determined by bidding, three people will be determined by supplementing by lottery. Therefore, all members will receive refunds throughout the year.

The refund amount is the amount obtained by multiplying the total amount of one member's maturity amount by the return rate of successful bid. For example, as shown in Table 1, the total amount of one member's first to twelfth maturity premiums is 360,000 yen, so the first refund is 280,800 yen multiplied by a return rate of 78%. Become. Those who have been selected by lottery will have the following return rate.

The upper limit of the return rate is preset so as to increase stepwise every month and finally reach 100%. For example, as shown in Table 1, the return rate is 78% from the first time, and
Increase by 10% to reach the 12th 100%. Therefore, the earlier the refund is received, the smaller the return rate.

The interest on the funds is generated from the difference between the estimated premium and the refund at maturity. This interest will be distributed as dividends to each member, and will be used as reserve funds for operations such as applying to the unfunded person's stake, and will be recorded as a carryforward for the next fiscal year. For example, as shown in Table 1, the total amount of stakes accumulated by all members is 12,960,000 yen, and the total refund amount is 11,534,400 yen.
Of the 5,600 yen, a total dividend of 910,800 yen will be distributed, and the remaining amount of 514,800 yen will be carried over as a reserve fund.

The dividend is distributed to other persons except the person who received the refund. This dividend shall be the amount obtained by multiplying the regular rate by the interest rate obtained by subtracting the return rate from 100%. For example, in the first quarter, the return rate was 78%, so the interest rate was 22%, and the dividend of 6,600 yen, which is 22% of the premium of 30,000 yen, became the dividend and 33 other people except the highest bidder. Respectively receive. This dividend will be aggregated and paid together for each member in the final month.

[0012]

[Table 1]

In the present embodiment, it is possible to apply as many as 30,000 yen per stake, and receive a dividend or a repayment amount that is twice that number. Furthermore, the operator performs the above-mentioned necessary calculations and storage of member information on the host computer, and the remittance means and communication means also connect the bank and member terminals to the host computer via the network to perform operation processing. That is convenient.

In a method according to another embodiment, Table 2
And, as shown in Table 3, it is operated with a premium of 50,000 yen per unit and 100,000 yen. Also in these embodiments,
As in the previous case, since a stake is collected, a bid is made, a refund is received, and a dividend is received at regular intervals, detailed description will be omitted. In these embodiments, the number of successful bidders is not constant every month, but if all members can receive refunds throughout the year, and the refunds can be covered by operating funds by wagers at the time of bidding, The number of successful bidders is not limited.

[Table 2]

[Table 3]

[0015]

As described above, according to the present invention, it is not necessary for members to actually gather in a specific place. Therefore, there is no need to make advance preparations such as selecting a place and adjusting each member's time. It has the advantages of being small, efficient, and easy to manage, and allowing a large number of participants.

Claims (5)

[Claims] 1. An operator collects a predetermined amount of stakes from a plurality of members on a regular basis until a maturity, and a person who wishes to withdraw a bid periodically bids for a return rate. Distribution of shared fund that receives refunds multiplied by the return rate from expected total amount of maturity stakes, and other persons except those who received the refunds participate in subsequent bids and receive refunds at regular intervals A method for distributing shared funds, wherein the contribution is collected by a member's remittance means, and the bid is participated in by communication means to an operator. 2. The reserve fund of claim 2, wherein the upper limit of the return rate is preset so as to increase stepwise at regular intervals and reach 100% at maturity. Distribution method. 3. The fund-sharing sharing according to claim 2, wherein when the successful bidder cannot be determined by the bid, the person who is determined by lottery instead receives a refund at the upper limit of the return rate. How to distribute funds. 4. The method of distributing fund-sharing shared funds according to claim 1 or 3, wherein the number of persons who receive the refund is the number obtained by dividing the total number of members by the number of bids or lottery. 5. Other than the person who received the refund,
2. The method of distributing fund-sharing shared funds according to claim 1, characterized in that the return rate is subtracted from 100%, and the dividends multiplied by the regular amount are respectively received.