JP2003208556A - Fund management method and system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To perform fund management most suitably by utilizing a zero balance service of two or more banks to perform pooling, zero balance and netting for the whole group companies. <P>SOLUTION: Netting processing is performed on a group account to pooling account information and group account information transmitted to a manager corporation finance division device 200 from each of bank zero balance service devices 220, according to the in-group inter-corporation credit debt cancel information; and whereas, remittance instruction based on automatically created inter-bank remittance money information is given to each bank to thereby change the pooling account remainder in each bank. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to concentration of funds (pooling / zero balance) to a managing company and settlement of transactions between companies within a group among companies within a group having one or more bank accounts dispersedly owned by a plurality of banks. (Netting)
And a pooling account balance change of the managing company in each bank, whereby the funds of the companies in the group are managed efficiently and advantageously in a centralized manner, and a system thereof.

[0002]

2. Description of the Related Art Up to now, Japanese Patent Application Laid-Open No. 20-58 has been proposed to improve the fund efficiency between group businesses.
The one disclosed in JP-A-00-29970 (conventional example 1) is known. According to the system disclosed therein, each company in the group does not make a bank loan or deposit, but concentrates the funds in the whole company in the group and mutually lends and borrows the funds.

On the other hand, in the case of the system disclosed in Japanese Patent Laid-Open No. 11-154194 (conventional example 2), integrated management of the financial information of a plurality of companies belonging to a group (payment agency, settlement between companies within a group, surplus) It is possible to improve the third-party receivable clearing system by predicting the automatic operating amount of funds or insufficient funds, automatic settlement of accounts receivable within the group).

[0004]

In any of the above-mentioned conventional examples 1 and 2, for the purpose of improving the efficiency of funds within the group, the funds are concentrated among the companies within the group, and mutual lending and borrowing of funds are carried out. It is something that can be done. For example, in the conventional example 1, the account balances of the other companies in the group are transferred to the accounts of the managing company (any one of the companies in the specific group), and if the account of the managing company remains red. In such a case, a financial institution will receive a loan.

On the other hand, in the conventional example 2, there is a central deposit account for deposit / withdrawal processing of companies in the group and a virtual deposit account in a database file for managing the financial information of each company, and the payment agency of the companies in the group is provided. Settlement between companies within a group, automatic settlement of accounts receivable within a group, etc. are performed.

However, in the case of these conventional examples 1 and 2, it is necessary to concentrate the funds in the pooling account of one bank that provides the system, and the system provided by each of the plurality of banks, that is, the plurality of banks. The reality is that it is impossible to adopt the system.

By the way, in general, Japanese companies generally have distributed bank accounts in a plurality of banks, and if the system and bank accounts are limited to one specific bank. If this happens, it will be impossible for companies to compare conditions between banks, and this may result in a lack of awareness of actively selecting an advantageous bank, which may lead to being locked in a specific bank. is there.

The object of the present invention is that each company within the group has one
Under the condition that the above bank accounts are dispersedly owned by multiple banks, and the bank zero balance service device is adopted for each bank, pooling, zero balance, and netting of the entire group companies can be performed by multiple banks. The purpose of this is to provide a cash management method and system capable of optimal cash management by utilizing the zero balance service.

[0009]

[Means for Solving the Problems] The above-mentioned object is that each company in the group has one or more bank accounts dispersedly owned by a plurality of banks, and the bank account balance of each company in the group is always zero. In addition to changing to a group account that shows the balance of loans between each company in the group and the managing company, the condition that a bank zero balance service device is adopted as a banking system that concentrates funds in the pooling account of the managing company Below, pooling account information and group account information sent from each of the above bank zero balance service devices to the managing company finance department device via the Internet are displayed for each bank on the common screen, Netting processing is performed on the group account designated by each company in the group based on the debt and debt offset information. In addition, the result of the netting process is distributed by the Internet to each company in the group through each of the bank zero balance service devices, while the balance for each pooling account is changed according to a separately obtained instruction. , The inter-bank remittance amount information, which is the minimum number of remittances, is automatically created, and the remittance instruction based on the inter-bank remittance amount information is issued to each bank, whereby the pooling account balance in each bank is changed. Can be achieved.

As a system, a company within a group, each of which has one or more bank accounts distributed among a plurality of banks, and the bank account balance of each company within the group is always zero, and each company within the group and the managing company. Each bank that adopts a bank zero balance service device as a bank system that changes the group account showing the balance of loans to and from the group account and concentrates funds in the pooling account of the managing company, and each of the above bank zero balance service devices. While displaying pooling account information and group account information transmitted from the Internet from the bank on the common screen,
Netting processing is performed on the group account designated by each company in the group based on the separately obtained information on offsetting debts between companies in the group, and the result of the netting processing is performed by the Internet on the bank zero balance service device. While delivering to each company in the group via each, automatically create interbank remittance amount information that is the minimum number of remittances for changing the balance in each pooling account according to the separately obtained instruction. This can be achieved by including the managing company's finance department device which issues a remittance instruction based on the inter-bank remittance amount information to each bank.

[0011]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to FIGS.
The explanation will be given with reference to FIG. 5, but prior to that, the outline of the present invention will be briefly explained as follows.

In other words, each company in the group has 1
While the above bank accounts are dispersedly owned by a plurality of banks, the bank accounts are processed by the bank zero balance service device in a predetermined manner in each bank. Bank zero balance Services (CMS from conventional (C ash M an
The equivalent) device each agement S ervice), the bank account balance of the group within the company each zero, alternatively,
By changing to a group account that shows the balance between the managing company and each company in the group, the funds are concentrated in the pooling account (concentrated account) of the managing company.

Therefore, only one pooling account of the managing company is formed in each bank in which the bank zero balance service device is adopted. In addition, each of the banks has a group account according to the number of companies in the group who have a bank account in the bank. The bank zero balance service devices send pooling account balances, pooling account information indicating group account balances, and group account information to the managing company finance department device via the Internet and manage them collectively. In order to unify the formats, the data is transmitted via a data converter (data conversion device). The data conversion (data conversion) may be performed by the system of the bank zero balance service device side or the managing company finance department device side.

The managing company finance department apparatus carries out netting processing for the group account, and for the pooling account, the final balance is instructed to generate a fund transfer model and then the fund transfer is carried out. It has become a thing. In this way, the Corporate Finance Department realizes zero balance, netting and pooling on accounts of multiple banks.

Now, the present invention will be described in detail with reference to FIG.
Shows a concept in the embodiment of the present invention. The cash management system according to the present invention uses a plurality of bank zero balance services 120 as shown in FIG.
The managing company finance department 100 cooperates with this, and the managing company finance department 100 executes the netting settlement process 1 for the group account.
50 is performed, and based on the pooling balance distribution instruction 160 by bank from the managing company finance department 100, the pooling account balance fund transfer optimal model 170 of the managing company provides information on the amount of remittance between banks that is the minimum number of remittances. It is created automatically, but the pooling account balance is changed at each bank based on this information.

More specifically, the business scheme realized by the present invention will be outlined below.

That is, in FIG. 1, companies within the group (a1
~ A10) 110 each has one or more bank accounts dispersedly owned by a plurality of banks (Banks A to D), but the target group is controlled by the bank zero balance service 120 in each of the banks (Banks A to D). The funds are concentrated from the bank accounts of each company within the pooling account of the managing company, and the bank balance of the companies within the group is always zero. The new lending / borrowing relationship between the managing company and each company within the group due to this is indicated by a group account indicating the balance of the loan between the managing company and each company within the group.

The information generated by each bank zero balance service 120 is of two types: pooling account information of the managing company and group account information of the companies within the group. There are the same number of pooling accounts as the number of bank zero balance services 120 (in this example, it is assumed that the number is 4), and a group account of a bank zero balance service 120 is a group company in which zero balance is performed. There are as many bank accounts as there are. Regarding the number of group accounts, for example, in the case of Bank A, it can be seen from FIG. 1 that the number of bank accounts of companies in the group at Bank A is 6. The number is supposed to be six.

In the managing company finance department 100, the net settlement amount shown in the intra-group credit / debt offsetting information (netting information) 140 from another system of the managing company is used to add / subtract the net settlement amount to each group account. The netting settlement processing 150 is performed, and netting is allocated to a group account designated by each company in the group, but no funds are transferred. At that time, the interest rate calculation for the group account may be performed by the managing company finance department 100, or the service of the bank may be used.

According to the banking pooling balance allocation instruction (designated balance, ratio, or amount) 160 from the banking company finance department 100, the banking company finance department 100 re-adjusts the pooling account balance by bank of the managing company. Has become. The optimal remittance model is calculated by the difference between the designated balance from the managing company finance department 100 and the pooling account balance by bank of the managing company, and the inter-bank remittance amount information that is the minimum number of remittances is automatically created. It is what The managing company finance department 100 adjusts the pooling account balance for each bank by issuing a remittance instruction to each bank based on the inter-bank remittance amount information. Interest rates for pooling account balances can be calculated by each bank.

[0021] The difference between the bank interest rate applied to the pooling account balance of the managing company and the group interest rate applied to the companies within the group is the income of the managing company finance department 100, and the cost of the bank zero balance service device is borne. Will be funded in.

FIG. 2 shows the overall system configuration of an example of the fund management system according to the present invention. As shown in the figure, the group (inside) enterprise devices 210 and the bank zero balance service devices (CMS) 220 can communicate with each other via the Internet in any combination, and each bank zero balance service device 220 can communicate with each other. , The bank account balance of each company in the group is concentrated in the pooling account of the managing company.
The pooling account information and the group account information as the processing result are managed by the managing company finance unit device 20 via the Internet.
When the information format is different for each bank at this time, the program for converting the bank zero balance service device 220 into the common information format in advance is used as the data converting means. It may be incorporated in advance and transmitted to the transmitting / receiving unit 201 after data conversion.

As described above, the pooling account information and the group account information are fetched into the managing company finance unit 200 through the transmitting / receiving unit 201, and thereafter, the common screen is generated under the overall control of the execution control unit. The account information is displayed on the common screen for each bank on the display unit 202.

Here, a brief description will be given of the other components in the managing company finance unit 200. In the group account netting processing unit 203, the group (inside) inter-company transaction netting information (the above-mentioned intra-group enterprise) Netting processing is performed by receiving 240 from the other system (corresponding to the inter-debt / debt offset information 140) and adding / subtracting to / from the group account balance.

In addition, the group interest rate input unit 204 is input with the group interest rate defined by the managing corporate finance department, and
An interest rate is calculated by the group account group interest rate calculation unit 205. The calculation result is transmitted to the group account management unit 206 as group account information and stored in the storage unit 209.
01 and the bank zero balance service device 220 to the group company device 210 via the Internet.

Further, the pooling account balance reallocation calculation unit 2
In 07, the pooling account balance designated by the managing company finance department is input, and the fund transfer optimal model is generated based on this. The generation result is stored in the storage unit 209 together with the pooling account information, and
Bank zero balance service device 2 via transmitting / receiving unit 201
It will be sent to the Internet on 20.
In the bank zero balance service device 220, bank interest rate calculation is performed on the received pooling account balance,
The calculation result is transmitted to the pooling account management unit 208 via the transmission / reception unit 201 via the Internet.

FIG. 3 shows a series of flows of processing according to the present invention. In this case, each bank zero balance service device 320 zero balances the bank account of each company in the group by its own method, and performs centralized processing as the pooling account balance of the managing company (process 321). For this pooling account balance, the first interest rate calculation based on the interest rate 323 set by another system of the bank (since the final account balance will be adjusted later, provisional interest rate calculation is performed here, and information is provided. (Only) is performed (process 322). Next, the group account information and pooling account information converted into the common format (format) are transmitted to the managing company finance department apparatus 300 together with the primary bank interest rate information (process 324). The group account information mentioned here is just an administrative account, and while the account balance represents the balance of loans between the managing company and each company in the group, the pooling account is a transaction with a bank. It is a real account that represents the relationship.

The managing company finance unit 300 receives the group account information, pooling account information, and primary bank interest rate information from each of the bank zero balance service devices 320 (process 331, 332). Group company netting information 341 for account information
Is added or subtracted to create a group account balance table (process 350). The loan relationship of the group account information after this netting processing is the relationship with the managing corporate finance department,
Therefore, the remittance is not actually performed. Therefore, the group account interest rate is designated as the intra-group set interest rate 342 by the managing corporate finance department.

By the way, there are cases where the interest rate calculation for the group account is performed by the managing company finance department apparatus 300 and cases where it is entrusted to the bank zero balance service apparatus 390. In the former case, it is as follows.

That is, group account interest rate information is generated by calculation in the managing company finance unit 300, and group account information / interest rate calculation information is stored in the managing company finance unit 300. It is stored in the zero balance service device 390 and further distributed to the group company device 310 (processes 380, 3).
81,382,393,396,311).

On the other hand, in the latter case, the intra-group set interest rate 342 and the group account information designated by the managing company finance department are stored in the managing company finance department device 300 and are also transmitted to the bank zero balance service device 390. (Process 38
0,383). The bank zero balance service device 39
In 0, the interest rate set for the group account is calculated after receiving the set interest rate within the group and the group account information from the managing company finance unit 300, and after storing the group account information / interest rate information, it is distributed to the group company apparatus 310. (Processing 394, 395, 396, 311).

Now, the bank zero balance service device 32
When the pooling account information and the primary bank interest rate calculation information from 0 are received by the managing company finance unit 300 (process 3)
31), the pooling account allocation optimal model is generated at the amount or ratio (bank account allocation information) designated by the managing company finance department, and the remittance procedure is requested to the bank according to this allocation optimal model (process 360). , 370). The pooling account information after the remittance processing is stored in the bank zero balance service device 390, and the second interest rate calculation is performed in the bank based on this, and the pooling account balance and the second pooling account information are also stored.
The next bank interest rate calculation result is transmitted to the managing company finance department apparatus 300 (processes 391 and 392). Corporate Finance Department Device 3
In 00, the pooling account balance and the secondary bank interest rate calculation result are received and stored (process 301).
The result of the second bank interest rate calculation is the final interest rate of the pooling account.

FIGS. 4A to 4E show display examples of various common screens according to the present invention. First, FIG. 4 (A)
, A common screen example 430 is transmitted from each of the bank zero balance service devices 220 (see FIG. 2) to the managing company finance department device 200 (see FIG. 2).
It is an example of a common screen of group account information and pooling account information. In the figure, 410 is a company within the group
a1 to a10 and 420 represent bank names A to D BANK, respectively. In addition, the screen numerical value is the group account balance showing the intra-group loan, and (-) is the borrowing money. 431 is the total column P
ooling Balance, which indicates the pooling account balance by bank of the managing company.

The netting information screen 440 shown in FIG. 4B is received from another system of the managing company,
It is an example of netting payment information displayed on the screen. In this example, it can be seen that, for example, the company a1 in the group makes the netting settlement on the group account of A BANK, and the company a2 of the group makes it on the group account of C BANK. The total column Total (441) shows the pooling account by bank of the managing company, and since the balance differs for each bank, adjustment by remittance is necessary, but because adjustment is done collectively by redistribution of pooling account balance, No money transfer takes place here.

The group account balance and interest rate screen 450 as shown in FIG. 4C is a screen example showing the group account balance after netting processing and the internal interest rate calculation result. For the interest rate, the group interest rate (internal interest rate) 441 shown in FIG. 4 (E) is used, and the interest rate is set to be more advantageous than the bank interest rate 423. The total column Total (N) 451 shows the pooling account balance by bank of the managing company, but the interest rate information shows the total interest amount of the group company. The bank interest rate information of the pooling account is collectively displayed on the next managing company screen 470.

A managing company screen 470 as shown in FIG.
Is a screen example showing the redistribution of the pooling account balance of the managing company and the calculation of bank interest rates. The Final Balance (A) column 471 is the bank-specific pooling account balance designated by the managing company. Transfer 472 is the pooling account balance 431 and Final Balance by bank of the managing company before netting.
(A) The difference of 471, which is the amount of money to be transferred between banks. The Final Balance (A) 471 may be designated by the distribution ratio 473. Final Balance (A) 47
The bank interest rate 423 is applied to 1, and the interest rate calculation result is displayed as an interest rate interest 391 for each bank. HQ Profit
(A)-(N) is Total from Final Balance interest 391.
(N) The amount minus 451 interest represents the profit of the managing company.

FIG. 5 shows an example 570 of the optimal calculation model of the reallocation of the pooling account of the managing company. Bala
Zero balance service (CMS) of each bank with nce531
A pooling account (centralized account) balance is displayed from device 220 (see FIG. 2). Final Balance, or Balance Ratio 571, underwriter Corporate Finance Department Device 20
Establish final pooling account balance specified by 0 (see Figure 2). Transfer 572 is calculated by-and sorts in the order of larger transfer amount (smaller numerical value). (A) from10 (displayed in circled numbers) allocates the remittance amount of Bank A to Banks B, C and D (5721). Bank B is Transfer 1
0 (circle number display) is a negative remittance, so zero distribution, C
Send 8 to 9 and 9 to D (5721). Next, (B) from13
(Circle number display) allocates the remittance amount 41 of bank B to banks C and D (5722). Since Bank C has been fully processed by 5721, it allocates zero to Bank D and 41 to Bank D (5722). next,
In (C) from16 (displayed in circled numbers), since each bank satisfies the designated balance, it is not distributed and a series of processing is completed (5723).

Incidentally, in the above description, the data is transmitted / received via the Internet, but the data transmission / reception is not limited to this, and it is also possible to transmit / receive the data via a dedicated line or the like. However, when using a dedicated line,
As the system configuration cannot be easily changed,
It is preferable to use the Internet.

[0039]

As described above, according to claims 1 to 3, each company in the group has one or more bank accounts dispersedly owned by a plurality of banks, and each of those banks has a bank zero balance service. Under the condition that the device is adopted, pooling, zero balance, and netting in the entire group companies can be performed by utilizing the zero balance service of multiple banks, and thus a fund management method that can optimally manage funds can be obtained. And according to claims 4 and 5,
A cash management system is provided in which such a method can be implemented.

[Brief description of drawings]

FIG. 1 is a diagram showing a concept in an embodiment of the present invention.

FIG. 2 is a diagram showing an overall system configuration of an example of a fund management system according to the present invention.

FIG. 3 is a diagram showing a series of flows of processing according to the present invention.

4A to 4E are diagrams showing display examples of various common screens according to the present invention.

FIG. 5 is a diagram showing an example of an optimal calculation model for reallocation of pooling accounts of a managing company according to the present invention.

[Explanation of symbols]

200 ... Secretary corporate finance department device, 220 ... Bank zero balance service device (CMS), 210 ... Group (inside) company device.

Continued front page    (72) Inventor Chiharu Ikeda             890 Kashimada, Sachi-ku, Kawasaki City, Kanagawa Stock             Hitachi, Ltd. Business Solutions             Within the department

Claims (5)

[Claims] 1. A company within a group has one or more bank accounts dispersedly owned by a plurality of banks, and the bank account balance of each company within the group is always zero. Under the condition that a bank zero balance service device is adopted as a bank system that concentrates funds in a pooling account of a managing company, while changing to a group account showing the balance of loans with companies
The pooling account information and group account information sent from each of the above bank zero balance service devices to the managing company finance department device via the Internet are displayed separately for each bank on the common screen, while offsetting inter-company debt / debt Based on the information, netting processing was performed on the group account specified by each company in the group,
The result of the netting process is distributed by the Internet to each company in the group through each of the bank zero balance service devices, and the minimum number of remittances for changing the balance in each pooling account according to a separately obtained instruction. The amount of money for which the pooling account balance at each bank is changed by automatically creating the inter-bank remittance amount information that becomes Management method. 2. The netting process is intended to settle claims and debts traded between companies within the group without the movement of funds, and a system managed by the managing company manages the claims between companies within the group. 2. The money management method according to claim 1, wherein the netting process is performed by generating debt offset information and transmitting the debt offset information to the managing company finance department apparatus. 3. The inter-bank remittance amount information is based on data designation, allocation ratio, or designated amount from the managing corporate finance department, which is determined by conditions including interest rates of each bank.
The money management method according to claim 1, which is created. 4. An intra-group company each having one or more bank accounts dispersedly owned by a plurality of banks, and a bank account balance of each of the intra-group companies is always set to zero between the intra-group company and the managing company. While changing to a group account that shows the balance of loans, each bank that uses a bank zero balance service device as a bank system that concentrates funds in the pooling account of the managing company, and from each of the above bank zero balance service devices via the Internet While displaying pooling account information and group account information to be sent for each bank on the common screen, netting is performed on the group account designated by each company within the group based on the separately obtained inter-company debt / debt offsetting information. After performing the processing, the result of the netting processing is transferred to the bank While distributing to each company in the group through each balance service device, automatically create interbank remittance amount information that is the minimum number of remittances to change the balance in each pooling account according to separately obtained instructions In addition, a fund management system comprising an apparatus of the finance department of the managing company, which issues a remittance instruction to each bank based on the remittance amount information between the banks. 5. The netting process is intended to settle claims and debts traded between companies within the group without the movement of funds, and a system managed by the managing company manages the claims between companies within the group. Debt offsetting information is generated and sent to the managing company finance department device to perform netting processing, while the interbank remittance amount information is determined by conditions including interest rates of each bank. Claim 4 adapted to be created based on data designation, allocation ratio, or designated amount from the Corporate Finance Department.
Cash management system described.