JP2003263555A - Succession countermeasure support system and succession countermeasure support program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To solve problems in succession in which no sufficient time for actual and detailed examination and consideration of a countermeasure cannot be prepared while important work such as formation of an asset division consultation document, securement of a tax paying source, and formation of a final tax application form is required. <P>SOLUTION: Before one's death, predetermined standard data 21 and a reference information 22 are collected to form a work sheet 26. When execution of a plan is decided, a written estimate 27 clarifying a money plan, a tax saving effect, and the like is formed. According to the contents of correction information 23 changing with the lapse of time, the written estimate 27 is corrected, and the latest written estimate 27 is always maintained. Afterward, in the case of succession, the optimum countermeasure is selected according to the plan, and its result is predicted and computed. <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 an inheritance countermeasure support system and an inheritance countermeasure support program which are used for analysis and information provision using a computer in order to solve a procedure problem when inheritance occurs.

[0002]

[Prior Art] To smoothly distribute property in the event of inheritance inheritance, to secure money for payment of inheritance tax in advance, and to take measures to reduce the burden of inheritance tax. Etc. are extremely important for taking over the property inherited from ancestors such as farmland. In particular, it will be difficult for farmers to continue agricultural management unless they secure a certain size of farmland. If the number of cases where the inheritance occurs and the management scale must be significantly reduced, the domestic food receipt rate will decrease further. Since this requires measures from various perspectives such as management improvement, asset management, and tax countermeasures, specialized knowledge is required, and various matters such as tax, real estate, finance, construction, and law are required. Information from specialists in the field is collected and used individually.

[0003]

By the way, the above conventional techniques have the following problems to be solved. In the event of inheritance of inheritance, even if various procedures necessary for inheritance are taken and measures are taken based on the information provided by experts, the possible measures are limited due to the deadline for filing procedures with the tax office. Often. In addition, there are limits to the measures that can be taken after inheritance occurs, and it is important to take systematic measures before the occurrence of inheritance. In other words, if measures are not taken systematically before birth, there will be disputes over the distribution of inherited property, it will be difficult to generate tax payment funds, and tax payments will be high due to incorrect evaluation of assets, and agriculture will continue. There was a problem that we could not secure enough land. In addition, although various measures that can be taken from life are introduced, it is extremely difficult to decide whether or not it is the most suitable measure for yourself, and to reconsider the measures according to the economic situation to make them optimal. In particular, under the deflationary economy, there is a problem that the quality of real estate asset management measures influences the result.

The present invention has been made by paying attention to the above points. It consistently provides appropriate information in a timely manner from before life until after the occurrence of inheritance, responds to it, and objectively evaluates the results. The purpose is to provide an inheritance countermeasure support system and an inheritance countermeasure support program that can be clarified.

[0005]

The present invention solves the above problems by the following configurations. <Structure 1> Information relating to an inheritance countermeasure client, means for accepting input of reference data including data necessary for countermeasure calculation, a storage device for storing the reference data, and data stored in the storage device. Then, by comparing the countermeasure list that lists specific inheritance countermeasure methods with the reference data and the countermeasure list, a means for selecting an inheritance countermeasure suitable for the above inheritance countermeasure requester, and from the selected countermeasures,
An inheritance countermeasure support system, comprising: a means for generating a plan that displays a countermeasure to be proposed to the inheritance countermeasure requester.

<Structure 2> Information about the inheritance countermeasure requester, means for accepting input of reference data including data necessary for the countermeasure calculation, a storage device for storing the reference data, and a storage device for storing the reference data. Data, which is a list of specific inheritance measures,
A method for comparing the above-mentioned standard data with the countermeasure list to select the inheritance countermeasure suitable for the above-mentioned inheritance countermeasure requester and the reference information necessary for calculating the countermeasure, and calculating the countermeasure for each selected countermeasure. An inheritance countermeasure support system comprising means for executing and generating a trial statement.

<Structure 3> In the inheritance countermeasure support system described in Structure 2, when the reference information necessary for the countermeasure calculation is updated, the inheritance is characterized in that the trial statement is automatically corrected. Measure support system.

<Structure 4> Reference data including information required for inheritance measure requester and data necessary for measure calculation,
Compare the measures list that lists specific inheritance measures methods, and select the inheritance measures that are suitable for the inheritance measure requester, and the measures that are proposed to the inheritance measures requester from the selected measures. An inheritance countermeasure support program characterized by causing a computer to execute processing for generating a displayed plan document.

<Structure 5> Reference data including information required for inheritance measure requester and data necessary for measure calculation,
Compare the countermeasure list that lists the concrete inheritance countermeasure methods, obtain the process of selecting the inheritance countermeasure suitable for the above inheritance countermeasure requester, and the reference information necessary for the countermeasure calculation,
An inheritance countermeasure support program for causing a computer to perform processing for performing countermeasure calculation and generating a trial statement for each of the selected countermeasures.

<Structure 6> In the inheritance countermeasure support program according to Structure 5, when the reference information necessary for the countermeasure calculation is updated, the computer is caused to execute processing for automatically correcting the trial statement. Inheritance measures support program.

[0011]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to specific examples. FIG. 1 is a block diagram showing a concrete example of the inheritance countermeasure support system of the present invention. Network 1
Is the Internet or intranet (LAN, WA
N), a telephone line network, and various other arbitrary information communication networks. It may be a wired network or a wireless network. To the network 1, a terminal device 11 of the inheritance measure requester is connected. The terminal device 11 is a personal computer, a mobile computer, a mobile phone terminal, a general phone terminal, or any other communication terminal having an information processing function and a communication function. The target person who desires the inheritance countermeasure requests the host computer 10 to propose the countermeasure through the Internet using the terminal device 11. Note that, for example, the host computer 10 may be used as a terminal device to request a proposal.

The system shown in FIG.
Controlled by. The host computer 10 is composed of a personal computer or a workstation. The host computer 10 includes a storage device 12 and an arithmetic processing device 13. The storage device 12 and the arithmetic processing device 13 may be built in the host computer 10 or externally attached. The host computer 10 is provided with man-machine interface hardware such as a display 2, a main body control unit 3, a keyboard 4, a mouse 5, and a printer 6. Known hardware can be used for all of these man-machine interface hardware, and therefore, illustration and specific description of each function are omitted.

A computer program having the following functions is installed in the arithmetic processing unit 13. The reference data receiving unit 14 has a function of executing a process of receiving the reference data 21 input by the terminal device 11 through the network 1 and registering the reference data 21 in the storage device 12. The information receiving means 15 uses the keyboard 4 or the like to input the revision information of laws and regulations and various other information input using the host computer 10 as reference information 22 as the storage device 12.
With the function to register in. The measure selecting means 16 has a function of comparing the reference data 21 input by the requester with the measure list 24 and selecting a measure suitable for the requester. The result is registered in the storage device 12 as the selected countermeasure 25. The plan document generation means 17 has a function of generating a plan document 26 to be submitted to the client, using the selected countermeasure 25. The trial calculation program 18 has a function of trial-calculating various numerical data as the basis of the plan 26, and generating a trial calculation 27 and registering it in the storage device 12. Timer 1
9 has a function of controlling the timing at which the trial calculation program 18 operates. The contents of the data stored in the storage device 12 will be sequentially described.

2A and 2B are explanatory diagrams showing a method of using the system of the present invention. FIG. 2A is a time chart showing countermeasures and execution states before and after the occurrence of inheritance, and FIG. . Generally, after the inheritance occurs, it is not possible to request a tax accountant, etc. to complete a full-fledged inheritance procedure declaration work until the 49th day of the law is over. However, as shown in the figure, important work such as preparation of a heritage division agreement, securing of tax payment funds, and preparation of a tax return is required within 10 months after the inheritance. Therefore, during this time, there is not enough time to conduct a detailed detailed survey of the assets and consider countermeasures.
So, after inheritance, take a sufficient time from before birth
The reference data 21 and the reference information 22 shown in FIG. Once the execution of the plan is decided, a trial statement 27 that clarifies the financial plan and tax-saving effects associated with the execution of the plan.
To create. Further, the calculation statement 27 is corrected according to the content of the correction information 23 that changes with the passage of time, and the latest trial statement 27 is always held. After that, when inheritance occurs due to the death of the target person, immediately select the optimal countermeasure according to the plan and calculate the result predictively. In this way, by taking sufficient inheritance measures from before birth, it is possible to take an optimal response in a short period of time. (Countermeasure plan) The reference data 21 registered in the storage device 12 is collated with the countermeasure list 24 to select a suitable inheritance countermeasure. As shown in FIG. 2B, the countermeasure list 24 may be composed of table data or the like in which keywords derived from the reference data, countermeasures, and specific explanations thereof are associated with each other. The form is free. For example, as a countermeasure,
Profitable real estate measures, utilization of idle real estate, spouse gift relations,
There are things like establishment of a management corporation, low-value transfer, life insurance measures, disposal of bad assets, creation of wills, etc. To implement these measures, calculate the expected amount of inheritance tax, propose a tax saving proposal, propose a heritage division proposal, create a heritage division consultation document, select a tax accountant, discuss the evaluation calculation, check the final tax return , Land survey witness, descriptive instructions, land survey witness, inheritance registration request, inheritance tax financial institution loan procedure,
Propose financial plans, negotiate evictions with renters, select renters for dismantling, determine land for appraisal, finalize land for delivery, and raise tax payment funds. By implementing these in a planned manner, sufficient tax saving measures can be taken. Therefore, the appropriate one of these is proposed to the countermeasure requester. (Collecting Information) FIG. 3 is an explanatory diagram showing a part of the requested items input at the terminal device of the measure requester. In the present invention, the information regarding the assets is collected from the measure requester, and the information created by the financial institution, the real estate agent, etc. is registered as the reference data 21. The reference data 21 includes, for example, real estate owned, owned stock, deposit amount, and other specific information regarding the measure client.

As shown in FIG. 3, for example,
Ask questions such as whether you have already taken measures to prevent inheritance during your lifetime. The measures to be newly selected differ depending on whether the measures are taken or not. In addition, ask if they are aware of the current inheritance tax. For a client who does not know, if necessary information is collected, a trial calculation is made, and concretely provided, it is possible to receive a formal request to execute countermeasures. Focusing on this point of view, the text for receiving the request may be created. Further, as shown in FIG. 1, various reference information 22 necessary for evaluation of assets is acquired as much as possible and registered together with the reference data 21. For example, if there are laws and regulations, the value of real estate will be affected. Therefore, such reference information 22 is also registered.

(Planning of plan) Next, measure selecting means 16
However, the prepared countermeasure list 24 is collated with the reference data 21, and a compatible countermeasure is selected from the countermeasures included in the countermeasure list 24. That is, the countermeasures are selected and presented concretely according to the type of assets owned by the target person and the environment. When a search is performed with the data in the table format as shown in FIG. 2B, the selection process can be automatically performed. Further, the selected countermeasure is provided as a plan document 26 to the target person after being evaluated by an expert. The plan form may be created by the plan generation means 17. It is preferable that the plan document 26 displays all the measures that can be executed by the target person and explains what kind of effect is specifically predicted by each measure. For example, if the measures for profitable real estate were mentioned, prepare funds and renovate the apartment currently owned,
The plan is to outsource the management company for leasing. In order to show the feasibility and effect of this project, we will make a trial calculation of the concrete amount of borrowed funds, the expenditures and rent income accordingly. The target person selects a feasible measure by deciding whether or not to adopt the measure, by examining this plan document and the trial statement added as necessary. (Specific calculation) If there is a formal request from this client,
Make more detailed trial calculations to ensure that the measures are implemented.
For example, the estimated tax payment amount as a result of the executed measures and the tax payment fund contribution measures are output as a trial calculation report. In addition, for example, when a condominium is built in a corner of the owned land, the most appropriate construction cost is calculated and used as a countermeasure report. Accurately calculate the proper construction cost considering repayment of borrowed funds and rent income to prevent unprofitable projects due to over budget. The existing application software may be used for each basic numerical calculation such as the construction cost and the tax payment amount. In addition, if the trial calculation result becomes incorrect due to price fluctuations, land price fluctuations, etc., even if it is appropriate at the time of planning,
Inappropriate trial calculation results may occur during execution. Therefore,
The reference information 22 and the correction information 23 allow the contents of the trial statement 27 to be recalculated, and the trial calculation result is always displayed based on the latest information so that the judgment is not disturbed. This type of treatment is especially effective because prenatal measures are to be carried out continuously for a long period of time. (Proposal, Trial Calculation, and Continuous Management) FIG. 4 is an explanatory diagram showing a procedure from acceptance of standard data to management of submission of a plan document. The keyword included in the reference data 21 received from the client is checked and collated with the countermeasure list 24 to select the countermeasure corresponding to the keyword. This is the selected measure 25. A proposal 26 will be created from now on. The plan 26 is proposed to the client. When a request for countermeasures is formally received from the client, the trial calculation program 18 generates a concrete and detailed plan 26 and trial calculation 27. Based on this, concrete measures will be taken. Some of these contents are executed immediately and some are executed after the occurrence of inheritance. In any case, it is decided whether to implement the countermeasure based on the accurate trial calculation result. Therefore, this trial statement 27 is extremely important information. The content is always maintained and managed by the reference information 22 and the correction information 23 as the latest accurate content.

For example, using the timer 19, the proposal document 2
By regularly reviewing 6 and the trial statement 27 and providing necessary information to the target person in a timely manner, the target person can accurately and accurately execute the measures proposed by the plan document. In addition, it can be executed systematically over a long period of time. Furthermore, changes in the economic situation are collected and stored as correction information, and information for correcting the contents of measures is provided to the target person at any time. For example, when calculating the funds required for various measures including land price as a parameter, if there is a change in land price, recalculate the trajectory after considering the impact on the original plan each time. Output information for correction.
Again, this is preferably done automatically by the computer on a regular basis. This makes it possible to take measures to switch measures that have become inappropriate due to changes in economic conditions to more appropriate measures at an early stage.

This measure has a large difference depending on the position where the target person is placed and the contents of the assets owned. Therefore, the correction information, the reference data for each subject, and the measures selected by the subject may be stored in the storage device, and re-evaluated periodically to generate the necessary correction information. If measures such as building a condominium will be implemented 5 years after the draft of the plan, the effect will be recalculated in the 4th year using the reference data and correction information of the target person. As a result, the most appropriate construction cost according to the implementation time of the measures can be presented to the target person.

FIG. 5 is a flow chart specifically showing the procedure of processing of the system of the present invention. First, step S
At 11, the reference data receiving means 14 receives the reference data 21 and stores it in the storage device 12. The reference information 22 and the correction information 23 are sequentially collected by the information receiving unit 15. In step S12, the measure selection means 16
Compares the reference data 21 with the countermeasure list 24. As a result, an appropriate measure is selected. In step S13,
The selected measure is output, and the plan document generation unit 17 generates the plan document 26 in step S14. This plan 26 is submitted to the client.

When there is a formal countermeasure execution request from the client,
In step S15, the trial calculation program 18 executes detailed trial calculation processing from the determined countermeasure, and in step S16, generates a trial calculation statement for each plan. A simple trial calculation will be made at the proposal stage. The process may be performed by the trial calculation program 18. After that, the law revision and various information are collected, and when the reference information 22 and the correction information 23 are changed, the trial calculation is performed again. As shown in step S17, for example,
It is preferable to check the timer so that the recalculation is performed every six months or every other year. In step S18,
The information used in the plan 26 is checked for change, and in step S19, the trial statement 27 is corrected due to the change in information.

As described above, if measures are taken before and after the occurrence of inheritance, it is necessary to continuously provide timely and appropriate information from before birth and objectively clarify the results. You can Further, for example, in the case of a farmer, it is possible to prevent a problem that the farmland is crushed and closed due to inheritance, or it is impossible to secure a farmland sufficient to obtain a sufficient profit. As a result, nationally, it is possible to protect farmers and prevent the decline in food self-sufficiency.

The computer programs installed in the above-mentioned arithmetic processing unit may be constructed by combining independent program modules,
You may comprise by the program which integrated the whole. All or part of the processing controlled by the computer program may be configured by hardware having an equivalent function. Further, the above computer program may be incorporated into an existing application program for use. The computer program for implementing the present invention as described above can be recorded in a computer-readable recording medium such as a CD-ROM and installed in any information processing device for use.
It can also be downloaded and used in the memory of any computer via a network.

[Brief description of drawings]

FIG. 1 is a block diagram showing a specific example of an inheritance countermeasure support system of the present invention.

FIG. 2 is an explanatory diagram showing a method of using the system of the present invention,
(A) is a time chart showing countermeasures and execution states before and after the occurrence of inheritance, and (b) is an explanatory diagram of contents of a countermeasure list.

FIG. 3 is an explanatory diagram showing a part of request items input on a terminal device of a measure requester.

FIG. 4 is an explanatory diagram showing a procedure from acceptance of reference data to management of submission of a plan document.

FIG. 5 is a flowchart specifically showing a processing procedure of the system of the present invention.

[Explanation of symbols]

1 network 2 display 3 Main body control section 4 keyboard 5 mice 10 Host computer 11 terminal devices 12 storage devices 13 Processor 14 Reference data acceptance means 15 Information reception means 16 Measure selection means 17 Plan document generation means 18 Trial calculation program 19 timer 21 Standard data 22 Reference information 23 Correction information 24 Countermeasure list 25 Selected measures 26 plan book 27 Trial statement

Claims (6)

[Claims] 1. Information regarding an inheritance countermeasure requester,
Measures for accepting input of reference data including data necessary for countermeasure calculation, storage device for storing the reference data, and data stored in the storage device, which are specific countermeasures for inheritance countermeasures A means for comparing the list with the reference data and the countermeasure list to select an inheritance countermeasure suitable for the inheritance countermeasure requester, and a plan displaying the measures to be proposed to the inheritance countermeasure requester from the selected countermeasures. A support system for inheritance measures, comprising: a means for generating a calligraphy. 2. Information relating to an inheritance countermeasure requester,
Measures for accepting input of reference data including data necessary for countermeasure calculation, storage device for storing the reference data, and data stored in the storage device, which are specific countermeasures for inheritance countermeasures A list is compared with the standard data and the countermeasure list, and means for selecting an inheritance countermeasure suitable for the inheritance countermeasure requester, and reference information necessary for countermeasure calculation are acquired, and for each of the selected countermeasures, An inheritance countermeasure support system comprising means for executing countermeasure calculation and generating a trial statement. 3. The inheritance countermeasure support system according to claim 2, further comprising means for automatically correcting the trial statement when reference information necessary for countermeasure calculation is updated. Support system. 4. Information relating to an inheritance countermeasure requester,
Compare the standard data including the data necessary for measure calculation with the measure list that lists specific inheritance measures methods, select the inheritance measure suitable for the inheritance measure requester, and select from the selected measures. An inheritance countermeasure support program for causing a computer to execute a process of generating a plan document displaying a measure to be proposed to the inheritance countermeasure requester. 5. Information concerning a client of inheritance measures, comprising:
The standard data including the data necessary for the countermeasure calculation is compared with the countermeasure list that lists the specific inheritance countermeasure methods, and the process of selecting the inheritance countermeasure suitable for the inheritance countermeasure requester and the processing required for the countermeasure calculation. An inheritance countermeasure support program, characterized by causing a computer to perform processing for obtaining reference information and executing countermeasure calculation for each of the selected countermeasures to generate a trial statement. 6. The inheritance countermeasure support program according to claim 5, wherein when the reference information necessary for countermeasure calculation is updated, the computer is caused to execute processing for automatically correcting the trial statement. Inheritance measures support program.