JP2004151900A

JP2004151900A - Method and system for processing security collateral loan

Info

Publication number: JP2004151900A
Application number: JP2002315122A
Authority: JP
Inventors: Koji Okada; 耕治岡田
Original assignee: OSAKA SECURITIES FINANCE CO LT; OSAKA SECURITIES FINANCE CO Ltd
Current assignee: OSAKA SECURITIES FINANCE CO LT; OSAKA SECURITIES FINANCE CO Ltd
Priority date: 2002-10-29
Filing date: 2002-10-29
Publication date: 2004-05-27

Abstract

<P>PROBLEM TO BE SOLVED: To reduce procedure burdens on a securities company and a securities finance company and reduce costs by making the securities company automatically process most of the procedures including having a collateral loan, financing, acquittal, and providing further evidence. <P>SOLUTION: The system 100 of the securities company is connected via a WAN 300 to the system 1 of the securities finance company having a Web server 2, an application server 3 and a database server 4. A customer's terminal 200 is connected to the system 1 via an I-NET 301. Application and inquiry can be made on the Web page for contracts, financing, acquittal, providing further evidence and the like. When the user applies for a loan, a financing process is automatically effected by the loan limit computing part 30 and the loan determining part 31 of the server 3. When the user applies for acquittal through the disposal of collateral, an acquittal process is automatically effected by the acquittal process part 32 and the contract ending process part 33 of the server 3. The process of providing further evidence is automatically effected by the further evidence processing part 34 of the server 3. <P>COPYRIGHT: (C)2004,JPO

Description

【０００１】
【発明の属する技術分野】
この発明は、証券会社に保護預かりとなっている有価証券を担保として顧客が証券金融会社から融資を受ける担保ローンの契約，融資，返済及び追証の手続を処理する有価証券担保ローン処理方法及びそのシステムに関するものである。
【０００２】
【従来の技術】
顧客が証券会社に保護預かりとなっている有価証券を担保として、証券金融会社から融資を受ける有価証券担保ローンにおいては、証券会社を窓口として顧客と証券会社と証券金融会社との三者間でローンの契約を結ぶ。
そして、顧客が証券金融会社から融資を受ける際には、担保有価証券の時価を基準に評価を行い、証券金融会社がこの評価に基づいて融資額を決定し、その融資額を顧客口座に入金する。
また、顧客が融資の返済を行う場合には、通常、有価証券の売却で生じた収入から融資額分を指定の銀行口座に直接振り込む。
ところで、有価証券の時価は、経済状況によって変動する。したがって、放置しておくと、融資後に担保有価証券の評価額が融資額を下回り、担保不足（いわゆる「担保割れ」）が生ずるおそれがある。
そこで、証券会社や証券金融会社は、追証を行い、担保不足を生じた場合には、顧客にその旨通知して不足分の埋め合わせを促す。
このように、従来の有価証券担保ローンは、契約と融資と返済と追証で成立しており、かかる処理を主に証券会社が行い、契約手続，融資手続，返済手続及び追証手続の円滑化及び効率化を図らんとしていた。
【０００３】
ところが、この有価証券担保ローン処理方法では、証券会社が顧客対応を全て行う方法であるので、借入額・限度額、利息の支払日、担保の評価額等の問い合わせが、顧客から証券会社に集中し、証券会社がその対応に時間が割かれてしまう。しかも、顧客と証券会社の間及び証券会社と証券金融会社の間の手続を電話やＦＡＸを併用しながら書面で行う方法であるため、手続が煩雑となって、手続が遅延したり、状況照会に不便が生じていた。特に、証券会社と証券金融会社との間で行う書面帳票の授受は非常に煩わしいものであった。この結果、処理システム負荷コストや事務コストが大きくなり、ビジネスの採算性が悪かった。
【０００４】
また、契約手続では、顧客が証券会社の店頭まで出向いて、書面による契約を行わなければならない場合もあり、顧客にとっても手続が煩わしい。すなわち、契約の際、顧客と証券会社との間で、借入申込書や受領書等を書面で授受したり、押印したりする必要があった。そして、顧客が証券会社で借入手続をする場合には、その都度証書を発行する必要があり、顧客の印紙税負担も大きい。さらに、証券会社では、担保有価証券の価格の上昇や元利金加算時に極度額変更が必要となり、煩雑な再契約が必要となる。
【０００５】
また、融資手続における申込は、有価証券買付手続と別個に行うようになっており、手続が面倒である。しかも、融資実行が融資の申込を行ってから最短で翌日に行われるので、顧客が融資により得た資金を有価証券買付資金の充当金として振り込む日が有価証券購入を意図した日より遅れてしまう。このようなタイムラグにより、顧客は優良な有価証券購入の機会を失する場合が多くあり、変動性の高い有価証券については、その購入資金の融資を受けることを手控えることが多かった。このことは、証券金融会社にとっても融資機会を喪失することにもなる。
【０００６】
また、返済手続も有価証券売却手続とは別個に行うようになっているので、顧客は有価証券売却手続を経て得た収入から別途に返済手続をしなければならず、手続が面倒であった。さらに、顧客が利益を得ている一方で融資の返済を滞らせてしまうという事態も生じ、証券金融会社が貸し倒れのリスクを負わなければならなかった。また、顧客が融資借入金を全額返済しても、自己の有価証券を担保として押さえられているので、担保を解除してもらうには、証券会社と面倒な解約手続をしなければならない。一方、証券会社においても、顧客からの有価証券売却注文の都度、営業マンが売却理由を確認する必要がある。また、顧客が現金や小切手で返済する場合には、営業店の事務手続が煩雑となる。さらに、証券会社が業務全体の手続フローを統一的に管理するコンピュータシステム上で貸付金残高を把握していないため、貸付金残高及びその他の預り金を含めた補助簿を営業店で作成する必要があった。
【０００７】
そして、追証手続については、証券会社が顧客と直接交渉して、担保不足の追証請求をするので、証券会社の大きな負担となっていた。
【０００８】
以上のように、従来の有価証券担保ローンにおいて多くの不都合が生じる原因は、契約，融資，返済，追証の各手続の大部分を証券会社が行い、しかも、手続を書面などの手作業で行うことに因るものと考えられる。
これに対して、顧客、証券会社、銀行等の複数の関係者間をネットワークで接続することにより、証券などの金融商品を担保として融資を行うシステム（例えば、特許文献１）、証券売却代金を担保とする証券ローンに関するシステム（例えば、特許文献２）、未入金の売却代金を担保として融資するシステム（例えば、特許文献３）、有価証券を担保にしたローンにおいて、時価総額と担保利用率とから金利を変動させる技術（例えば、特許文献４）、個人や中小企業経営者が容易に融資を受けられるべく担保を評価し、融資希望者を募り、最大融資額を決定して、融資を仲介する技術（例えば、特許文献５）、証券等を担保とした融資における株価変動のリスクを低減する技術（例えば特許文献６及び特許文献７）等が開示されているが、これらの技術は、有価証券担保ローンの自動化を達成するに十分な技術とはいえない。
【０００９】
ところで、証券会社が、顧客の保有する有価証券に担保を設定して、自動的に融資などの手続を実行する技術が開示されている（例えば、特許文献８）。
この技術は、コンピュータシステムである出納情報管理システムを用いて、証券総合口座での入出金を管理するものである。
具体的には、出納情報管理システムを、各顧客の保有する保護預かり有価証券の情報及び各顧客の当該口座での出納情報が登録された顧客データベースで構成している。そして、この出納情報管理システムにより、証券情報データベースから取得される各有価証券の時価情報に基づいて各顧客の保有する保護預かり有価証券に対応した貸付可能額を毎日算出し、更新するものである。また、資金引出の申込に対して、該当顧客の当該口座での残高が不足しているときには、その不足額が、算出された当該顧客の貸付可能額未満であることを条件に、保護預かり有価証券に担保権を設定しての貸越を自動実行するようになっている。
【００１０】
【特許文献１】
特開２００２−１０９２１９号公報
【特許文献２】
特開２００１−３０６８１０号公報
【特許文献３】
特開２００２−００７７０６号公報
【特許文献４】
特開２００２−１１７２２８号公報
【特許文献５】
特開２００２−１８３４４４号公報
【特許文献６】
特開２００２−０９２３２８号公報
【特許文献７】
特開２００２−１３３１０４号公報
【特許文献８】
特開２００１−３３８１４５号公報
【００１１】
【発明が解決しようとする課題】
しかしながら、上記の特許文献８に記載された従来の技術は、証券会社が自ら融資を行う場合の技術を開示したものであり、証券会社とは別の団体である本願対象の証券金融会社が行う融資を想定したものではない。
したがって、かかる特許文献８に記載されたシステムでは融資などの自動化がなされているものの、各手続処理の自動システムが、証券会社に設けられていることを前提としているので、証券金融会社特有の問題に対処することができない。
すなわち、上記特許文献８の技術では、顧客との接点となる証券会社とは別個の存在である証券金融会社が有価証券の評価及びその評価に基づく融資額の決定や融資の認否及び担保不足に対する手続などを処理することを想定していないので、貸し倒れなどによって直接的にリスクを負う証券金融会社にそのまま適用することはできない。
また、上記技術には、追証手続を自動的に実行するシステムがなく、追証手続を手作業で行わなければならない。
さらに、上記システムの処理を証券会社のみで行うため、証券会社にとってその処理が負担となる。
【００１２】
この発明は上述した課題を解決するためになされたもので、担保ローンの契約，融資，返済，追証の手続の大半を証券金融会社側で自動的に処理することにより、証券会社及び証券金融会社の手続負担の軽減とコストダウンとを図った有価証券担保ローン処理方法及びそのシステムを提供することを目的とするものである。
【００１３】
【課題を解決するための手段】
上記課題を解決するために、請求項１の発明は、証券会社に保護預かりとなっている顧客の有価証券を担保として証券金融会社が顧客に融資する手続を、ネットワークを介してコンピュータで自動的に処理する有価証券担保ローン処理方法であって、証券金融会社において、顧客からの契約申込を受けたときに、極度貸付方式の契約書を当該顧客に送ると共に当該顧客の有価証券の担保差入要求を証券会社に送り、当該証券会社のコンピュータに、担保を有価証券の上に設定させる契約処理と、証券金融会社のコンピュータが、借入申込を受信したときに、担保有価証券の評価額に基づいて融資の認否判断を行い、その判断結果に応じて顧客に融資を行う融資処理と、融資に対する返済額を顧客のコンピュータから証券金融会社の口座に振り込ませ、または、担保有価証券の売却代金の中から当該返済額を証券会社のコンピュータから口座に振り込ませる返済処理と、証券金融会社のコンピュータが、担保有価証券の評価額の目減りを考慮して担保不足額を演算し、当該担保不足額を徴収する追証処理とを具備する構成とした。
かかる構成により、顧客が契約申込を証券金融会社に対して行うと、契約処理が実行され、証券金融会社が、顧客からの契約申込を受け、極度貸付方式の契約書が顧客に送られると共に、顧客の有価証券の担保差入要求が証券会社に送られ、証券会社のコンピュータにおいて、担保が有価証券の上に設定される。そして、顧客が借入申込を証券金融会社に行うと、融資処理が実行され、借入申込が証券金融会社のコンピュータに受信され、担保有価証券の価値に基づいて融資の認否判断が行われた後、その判断結果に応じて顧客に対する融資が行われる。そして、返済処理は、返済額を顧客のコンピュータから証券金融会社の口座に振り込ませ、または、担保有価証券の売却代金の中から返済額を証券会社のコンピュータから口座に振り込ませることで達成される。また、追証処理の実行によって、担保有価証券の担保価値の目減りが証券金融会社のコンピュータによって考慮され、担保不足額が演算されて、担保不足額が徴収される。
【００１４】
また、請求項２の発明は、請求項１に記載の有価証券担保ローン処理方法において、契約処理は、証券金融会社のコンピュータが、顧客のコンピュータによってダウンロード可能な契約に関する各種資料を表示する資料表示過程を備える構成とした。
かかる構成により、契約処理の資料表示過程の実行によって、顧客は、証券金融会社のコンピュータに蓄積された契約に関する各種資料を顧客のコンピュータによってダウンロードすることができる。
【００１５】
請求項３の発明は、請求項１または請求項２に記載の有価証券担保ローン処理方法において、融資処理は、証券金融会社のコンピュータが、顧客のコンピュータからの借入申込を受け付ける借入受付過程と、証券金融会社のコンピュータが、顧客との契約で定めた極度貸付限度額と担保有価証券の評価額に所定の掛目を乗じて算出した担保融資限度額とのうち低い方の限度額を融資限度として、借入受付過程で受け付けた借入申込の借入金額が当該融資限度内であるか否かを判断し、当該借入金額が当該融資限度内である場合に融資承認通知を、また、当該借入金額が当該融資限度内でない場合に融資否認通知を顧客のコンピュータに送信する融資判断過程と、証券金融会社のコンピュータが、融資判断過程における融資承認通知送信後に、借入金額を顧客の口座に振り込む入金過程とを備える構成とした。
かかる構成により、顧客のコンピュータから借入申込をすると、融資処理の借入受付過程が実行され、この申込が証券金融会社のコンピュータによって受け付けられる。そして、融資判断過程の実行によって、証券金融会社のコンピュータにより、借入金額が融資限度内であるか否かが判断され、融資限度内である場合には融資承認通知が、また、融資限度内でない場合には融資否認通知が顧客のコンピュータに送信される。入金過程が実行されると、融資承認通知の送信後、借入金額が証券金融会社のコンピュータにより顧客の口座に振り込まれる。
【００１６】
さらに、請求項４の発明は、請求項３に記載の有価証券担保ローン処理方法において、融資判断過程は、借入受付過程の借入申込が追加の借入申込である場合に、当該追加借入金額と借入残高との合計が融資限度内か否かを判断するものである構成とした。
かかる構成により、顧客が追加の借入申込を行うと、融資判断過程において、追加借入金額と借入残高との合計が融資限度内か否か判断される。
【００１７】
また、請求項５の発明は、請求項３または請求項４に記載の有価証券担保ローン処理方法において、有価証券の買付注文が顧客から証券会社になされた場合に、当該有価証券の買付代金から顧客預り金を差し引いて生じる買付不足額を当該顧客の借入金額とする借入申込を、証券金融会社のコンピュータが証券会社のコンピュータから受信して融資を決定することにより、当該証券会社において、融資された借入金額または融資を承認された借入予定金額と顧客預り金とを買付注文の充当金とすることを可能にする構成とした。
かかる構成により、顧客による証券会社への有価証券買付注文がなされると、有価証券の買付代金から顧客預り金を差し引いて生じる買付不足額を当該顧客の借入金額とする借入申込が、証券金融会社のコンピュータで受信され、その融資決定がされるので、証券会社において、融資された借入金額または融資を承認された借入予定金額と顧客預り金とを買付注文の充当金とすることができる。
【００１８】
さらに、請求項６の発明は、請求項５に記載の有価証券担保ローン処理方法において、買付注文と共に担保有価証券の売却があった場合に、当該有価証券の買付代金から顧客預り金と当該担保有価証券の売却代金とを差し引いて生じる買付不足額を借入金額とする借入申込を、証券金融会社のコンピュータが証券会社のコンピュータから受信して融資を決定することにより、当該証券会社において、融資された借入金額または融資を承認された借入予定金額と顧客預り金と売却代金とを買付注文の充当金とすることを可能にする構成とした。
かかる構成により、顧客による担保有価証券の売却があると、有価証券の買付代金から顧客預り金と担保有価証券の売却代金とを差し引いて生じる買付不足額を顧客の借入金額とする借入申込が、証券金融会社のコンピュータで受信され、その融資決定がされるので、証券会社において、融資された借入金額または融資を承認された借入予定金額と顧客預り金と売却代金とを買付注文の充当金とすることができる。
【００１９】
また、請求項７の発明は、請求項１ないし請求項６のいずれかに記載の有価証券担保ローン処理方法において、返済処理は、証券金融会社のコンピュータが、担保有価証券の売却注文報告及びその売却代金報告を証券会社のコンピュータから受け付けると共に、当該売却代金からの返済申込を顧客のコンピュータから受け付ける返済申込受付過程と、証券金融会社のコンピュータが、返済申込受付過程実行後に、顧客の借入残高に基づいて算出した返済額を少なくとも証券会社のコンピュータに送信する返済額報告過程と、証券会社のコンピュータに、売却代金の中から返済額報告過程の返済額を証券金融会社の口座に振り込ませると共に、その残金を顧客預り金とさせる返済過程とを備える構成とした。
かかる構成により、顧客が担保有価証券の売却注文をすると、返済申込受付過程が実行され、担保有価証券の売却注文報告及びその売却代金報告が証券会社のコンピュータから証券金融会社のコンピュータに送られると共に、売却代金からの返済申込が顧客のコンピュータから証券金融会社のコンピュータに送られる。すると、返済額報告過程の実行により、顧客の借入残高に基づいて証券金融会社のコンピュータにより算出された返済額が少なくとも証券会社のコンピュータに送信される。そして、返済過程が実行されると、売却代金の中からの返済額が証券会社のコンピュータから証券金融会社の口座に振り込まれると共に、その残金が証券会社の顧客預り金とされる。
【００２０】
さらに、請求項８の発明は、請求項７に記載の有価証券担保ローン処理方法において、返済額報告過程は、顧客の借入残高から担保融資限度額を差し引いて生じる担保不足額がある場合に、当該担保不足額を返済額に充当するものである構成とした。
かかる構成により、顧客の借入残高から担保融資限度額を差し引いて生じる担保不足額がある場合には、担保不足額が返済額に充当される。
【００２１】
また、請求項９の発明は、請求項７または請求項８に記載の有価証券担保ローン処理方法において、返済処理に、証券金融会社のコンピュータが、契約書の契約期間満了日までに、返済額が全て支払われているかを判断し、全額返済されていると判断した場合には、契約を解除すると共に担保の設定を解除する指示を証券会社のコンピュータに送り、また、全額返済されていないと判断し且つ契約継続依頼を受信していない場合には、担保有価証券の売却指示を証券会社に送る契約終了過程を設けた構成とした。
かかる構成により、契約終了過程が実行されると、証券金融会社のコンピュータによって、返済額の全てが契約書の契約期間満了日までに支払われているか否かが判断され、全額返済されていると判断された場合には、契約が解除されると共に担保の設定を解除する指示が証券会社のコンピュータに送られる。また、全額返済されていないと判断され且つ契約継続依頼が受信されていない場合には、担保有価証券の売却指示が証券会社に送られる。
【００２２】
請求項１０の発明は、請求項１ないし請求項９のいずれかに記載の有価証券担保ローン処理方法において、追証処理は、証券金融会社のコンピュータが、現時点での担保有価証券残高の評価額に対する融資残高の比率を演算し、この比率が所定の掛目よりも大きな第１基準比率以上である場合に、融資時の担保有価証券残高の評価額から現時点での担保有価証券残高を差し引いて担保不足額を求める担保不足額演算過程と、証券金融会社から顧客に担保不足額と返済期限とを知らせる担保不足通知過程と、顧客からの担保不足額の返済があった場合に、当該顧客の融資に関する各種残高を更新する不足額返済過程とを備える構成にした。
かかる構成により、担保不足額演算過程が実行され、証券金融会社のコンピュータによって、現時点での担保有価証券残高の評価額に対する融資残高の比率が演算され、この比率が所定の掛目よりも大きな第１基準比率以上である場合には、融資時の担保有価証券残高の評価額から現時点での担保有価証券残高を差し引いた担保不足額が求められる。そして、担保不足通知過程が実行されて、担保不足額と返済期限とが証券金融会社から顧客に知らされる。そして、顧客からの担保不足額の返済があった場合には、不足額返済過程の実行により、顧客の融資に関する各種残高が更新される。
【００２３】
また、請求項１１の発明は、請求項１０に記載の有価証券担保ローン処理方法において、不足額返済過程は、担保不足額の返済が証券会社への追加担保の入庫により行われた場合には、当該証券会社からの追加担保入庫に関する報告に基づいて、証券金融会社のコンピュータが当該顧客の担保有価証券残高を更新し、また、担保不足額の返済が担保有価証券の売却で行われた場合には、証券金融会社のコンピュータが、当該売却代金のうち担保不足額に相当する額が証券会社のコンピュータから証券金融会社の口座に振り込まれたことを確認して、当該顧客の借入残高を更新し、また、担保不足額の返済が顧客から証券金融会社の口座への直接振り込みにより行われた場合には、当該証券金融会社のコンピュータが当該顧客の融資残高を更新する構成とした。
かかる構成により、担保不足額の返済が証券会社への追加担保の入庫により行われると、当該証券会社からの追加担保入庫に関する報告に基づいて、証券金融会社のコンピュータより、当該顧客の担保有価証券残高が更新される。また、担保不足額の返済が担保有価証券の売却で行われると、証券金融会社のコンピュータによって、当該売却代金のうち担保不足額に相当する額が証券金融会社の口座に振り込まれたことが確認され、当該顧客の借入残高が更新される。また、担保不足額の返済が顧客から証券金融会社の口座への直接振り込みにより行われると、当該証券金融会社のコンピュータによって、当該顧客の融資残高が更新される。
【００２４】
特に、請求項１２の発明は、請求項１０または請求項１１に記載の有価証券担保ローン処理方法において、追証処理に、担保不足額が返済期限内に返済されない場合には、証券金融会社が顧客の担保有価証券の売却を証券会社に依頼し、当該証券金融会社のコンピュータが、当該担保有価証券の売却代金が当該証券会社のコンピュータから当該証券金融会社の口座に振り込まれたことを確認して、当該顧客の借入残高を更新する第１強制売却過程を設けた構成とした。
かかる構成により、担保不足額が返済期限内に返済されないと、顧客の担保有価証券の売却が証券金融会社から証券会社に依頼される。そして、当該証券金融会社のコンピュータによって、当該担保有価証券の売却代金が証券金融会社の口座に振り込まれたことが確認されると、当該顧客の借入残高が更新される。
【００２５】
さらに、請求項１３の発明は、請求項１０または請求項１１に記載の有価証券担保ローン処理方法において、追証処理に、担保不足額演算過程で演算された比率が第１基準比率よりも大きな第２基準比率以上である場合には、返済期限内の如何に拘わらず、借入金額の全額返済を顧客に請求し、当該返済が行われない場合には、証券会社のコンピュータに、当該顧客の担保有価証券を売却させ、当該売却代金を証券金融会社の口座に振り込ませて、当該証券金融会社のコンピュータが当該顧客の借入残高を更新する第２強制売却過程を設けた構成とした。
かかる構成により、返済期限内の如何に拘わらず、担保不足額演算過程で演算された比率が第１基準比率よりも大きな第２基準比率以上になった場合には、第２強制売却過程が実行され、借入金額の全額返済が顧客に請求される。そして、返済が行われないと、顧客の担保有価証券が売却され、売却代金が証券金融会社の口座に振り込まれると共に、証券金融会社のコンピュータによって顧客の借入残高が更新される。
【００２６】
ところで、有価証券担保ローン処理方法を具体的に実行可能なシステムも物の発明として成立する。そこで、請求項１４の発明は、証券会社に保護預かりとなっている顧客の有価証券を担保として証券金融会社が契約で顧客に融資する手続を、ネットワークを介して処理するための有価証券担保ローン処理システムであって、証券金融会社のシステムに、顧客の端末及び証券会社のシステムから所定の要求を送信可能なページを表示する要求ページ表示手段と、各種情報を格納するための格納手段と、証券会社のシステムから担保有価証券残高の情報を受信した場合に、この残高情報が示す担保有価証券残高の評価額に所定の掛目を乗算して担保融資限度額を演算し、当該担保融資限度額と担保有価証券残高の評価額とを格納手段に格納する融資限度額演算手段と、顧客の端末から借入申込の要求を受信した場合に、格納手段内の担保融資限度額と契約で定めた極度貸付限度額のうち低い方の限度額を融資限度として、借入申込の借入金額が当該融資限度であるか否かを判断し、当該借入金額が当該融資限度内でない場合に融資否認通知を顧客の端末に送信し、また、当該借入金額が当該融資限度内である場合に融資承認通知を顧客の端末に送信すると共に借入金額を顧客の口座に振り込む融資判断手段とを設けた構成とした。
【００２７】
請求項１５の発明は、請求項１４に記載の有価証券担保ローン処理システムにおいて、融資判断手段は、顧客の端末から追加の借入申込の要求を受信した場合に、格納手段内の借入残高と当該追加借入金額との合計が融資限度内か否かを判断するものである構成とした。
【００２８】
請求項１６の発明は、請求項１４または請求項１５に記載の有価証券担保ローン処理システムにおいて、借入金額の返済に関し、担保有価証券の売却注文報告及びその売却代金報告を証券会社のシステムから受信し且つ顧客の端末から売却代金からの返済申込要求を受信した場合に、格納手段内の借入残高に基づいて算出した返済額の情報を少なくとも証券会社のシステムに送信し、返済額の返済を確認した場合に、顧客の融資残高と借入残高とを更新する返済処理手段を設けた構成とした。
【００２９】
請求項１７の発明は、請求項１６に記載の有価証券担保ローン処理システムにおいて、返済処理手段は、顧客の借入残高から担保融資限度額を差し引いて生じる担保不足額がある場合に、当該担保不足額を返済額に充当するものである構成とした。
【００３０】
請求項１８の発明は、請求項１６または請求項１７に記載の有価証券担保ローン処理システムにおいて、契約の契約期間満了日までに、返済額が全て支払われているかを判断し、全額返済されていると判断した場合には契約を解除すると共に担保の設定を解除する要求を証券会社のシステムに送信し、また、全額返済されていないと判断し且つ契約継続依頼の要求を受信していない場合には担保有価証券の売却の要求を証券会社のシステムに送信する契約終了処理手段を設けた構成とした。
【００３１】
請求項１９の発明は、請求項１６ないし請求項１８のいずれかに記載の有価証券担保ローン処理システムにおいて、格納手段に格納されている現時点での担保有価証券残高の評価額と融資残高とを読み出して、当該評価額に対する融資残高の比率を演算し、この比率が所定の掛目よりも大きな第１基準比率以上である場合には、融資時の担保有価証券残高の評価額から現時点での担保有価証券残高を差し引いて担保不足額を求め、担保不足額を顧客の端末に送信し、顧客からの担保不足額の返済があったことを確認した場合に、当該顧客の融資に関する各種残高を更新する追証処理手段を設けた構成とした。
【００３２】
請求項２０の発明は、請求項１９に記載の有価証券担保ローン処理システムにおいて、追証処理手段は、証券会社への追加担保の入庫に基づく担保有価証券残高情報を受信した場合には、当該顧客の担保有価証券残高を更新して格納手段に格納し、また、担保有価証券の売却で行われた担保不足額の返済を確認した場合または顧客から証券金融会社の口座への直接振り込みによる担保不足額の返済を確認した場合には、当該顧客の融資残高を更新して格納手段に格納する構成とした。
【００３３】
請求項２１の発明は、請求項２０に記載の有価証券担保ローン処理システムにおいて、担保不足額が返済期限内に返済されないことを確認した場合に、顧客の担保有価証券の売却の要求を証券会社のシステムに送信する第１強制売却手段を設けた構成とした。
【００３４】
請求項２２の発明は、請求項１９ないし請求項２１のいずれかに記載の有価証券担保ローン処理システムにおいて、追証処理手段で演算された比率が第１基準比率よりも大きな第２基準比率以上である場合には、返済期限内の如何に拘わらず、借入金額の全額返済を請求する通知を顧客の端末に送信し、当該返済が確認されない場合には、顧客の担保有価証券売却の要求を証券会社のシステムに送信する第２強制売却手段を設けた構成とした。
【００３５】
請求項２３の発明は、請求項１４ないし請求項２２のいずれかに記載の有価証券担保ローン処理システムにおいて、要求ページ表示手段で表示されるページに契約に関する各種資料をダウンロード可能に表示した構成とした。
【００３６】
請求項２４の発明は、請求項１４ないし請求項２３のいずれかに記載の有価証券担保ローン処理システムにおいて、証券会社のシステムに、契約による有価証券の担保設定に関する情報及びその他の情報を格納するための格納手段と、格納手段に格納された担保有価証券残高の情報を証券金融会社のシステムに送信し、また、顧客からの有価証券の買付注文の要求を受信した場合に、当該有価証券の買付代金から顧客預り金を差し引いて買付不足額を求め、当該買付不足額を当該顧客の借入金額とする借入申込の要求を証券金融会社のシステムに送信し、融資された借入金額または融資を承認された借入予定金額と顧客預り金とを買付注文の充当金とする融資処理補助手段とを設けた構成とした。
【００３７】
請求項２５の発明は、請求項２４に記載の有価証券担保ローン処理システムにおいて、融資処理補助手段は、顧客からの担保有価証券の売却の要求を受信した場合に、有価証券の買付代金から顧客預り金と当該担保有価証券の売却代金とを差し引いて買付不足額を求め、当該買付不足額を顧客の借入金額とする借入申込の要求を証券金融会社のシステムに送信し、融資された借入金額または融資を承認された借入予定金額と顧客預り金と売却代金とを買付注文の充当金とする構成とした。
【００３８】
請求項２６の発明は、請求項２４ないし請求項２５のいずれかに記載の有価証券担保ローン処理システムにおいて、証券会社のシステムに、証券金融会社の返済処理手段に基づく返済額の情報を受信した場合に、売却代金の中から当該返済額を証券金融会社の口座に振り込むと共に、その残金を顧客預り金とする返済処理補助手段を設けた構成とした。
【００３９】
請求項２７の発明は、請求項２４ないし請求項２６のいずれかに記載の有価証券担保ローン処理システムにおいて、証券会社のシステムに、担保不足による返済が追加担保の入庫により行われた場合に、顧客の担保有価証券残高を更新して格納手段に格納すると共にその担保有価証券残高情報を証券金融会社のシステムに送信し、担保不足額の返済が担保有価証券の売却で行われた場合には、売却代金のうち担保不足額に相当する額を証券金融会社の口座に振り込む追証処理補助手段を設けた構成とした。
【００４０】
請求項２８の発明は、請求項２１ないし請求項２７のいずれかに記載の有価証券担保ローン処理システムにおいて、追証処理補助手段は、証券金融会社の第１強制売却手段または第２強制売却手段に基づく担保有価証券の売却の要求を受信した場合に、当該売却代金を証券金融会社の口座へ振り込む構成とした。
【００４１】
【発明の実施の形態】
以下、この発明の実施の形態について図面を参照して説明する。
図１は、この発明の一実施形態に係る有価証券担保ローン処理システムを示すブロック図である。
図１において、符号１が有価証券担保ローン処理システムであり、証券金融会社に構築されている。この有価証券担保ローン処理システム１は、銀行接続用システム８を介して銀行９に接続されている。また、この有価証券担保ローン処理システム１は、ＷＡＮ（ＷｉｄｅＡｒｅａＮｅｔｗｏｒｋ）３００によって証券会社のシステム１００に接続され、情報の送受信を証券会社のシステム１００と直接行うことができる。さらに、この有価証券担保ローン処理システム１は、Ｉ−ＮＥＴ（Ｉｎｔｅｒ−Ｎｅｔ）３０１にも接続されており、顧客が端末２００から有価証券担保ローン処理システム１にアクセスすることができる。
【００４２】
図１に示すように、有価証券担保ローン処理システム１は、ＬＡＮ（ＬｏｃａｌＡｒｅａＮｅｔｗｏｒｋ）に、要求ページ表示手段としてのＷＥＢサーバ２と、アプリケーションサーバ３（図１では「ＡＰＬサーバ」と記す）と、格納手段としてのデータベースサーバ４（図１では「ＤＢサーバー」と記す）と、電子帳票作成サーバ５と、業務処理部６とを接続した構成になっており、このＬＡＮがルータ７を介してＷＡＮ３００及びＩ−ＮＥＴ３０１に接続されている。なお、業務処理部６は、サーバ２〜５にアクセス可能なクライアントパーソナルコンピュータ等で構成されている。
【００４３】
ＷＥＢサーバ２は、各種の要求を顧客の端末２００及び証券会社のシステム１００から送信可能なＷＥＢページＰ１を表示する。
図２は、ＷＥＢページＰ１の表示図である。
図２に示すように、ＷＥＢページＰ１には、申込メニューＭ１と照会メニューＭ２がある。そして、申込メニューＭ１には、資料申込ボタンｍ１１，契約申込ボタンｍ１２，担保評価申込ボタンｍ１３，融資申込ボタンｍ１４，返済申込ボタンｍ１５，〜，担保売却指示ボタンｍｎ等が設けられている。また、照会メニューＭ２には、融資限度額の照会ボタンｍ２１，融資残高の照会ボタンｍ２２，担保残高の照会ボタンｍ２３，〜，返済期日の照会ボタンｍｎ等が設けられている。
これにより、例えば、申込メニューＭ１の資料申込ボタンｍ１１をクリックすると、契約申込書等、契約に関する各種資料が開き、顧客の端末２００にダウンロードすることができるようになっている。また、例えば、返済申込ボタンｍ１５をクリックすると、図３に示すように、返済方法や返済期日を選択するためのボタンｔ１，ｔ２，…，ｔｎを有した返済申込ページＰ２が開くようになっている。
【００４４】
図１に示すアプリケーションサーバ３は、融資に関する各種の処理を行うサーバである。
図４は、アプリケーションサーバ３の機能ブロック図である。
図４に示すように、アプリケーションサーバ３は、融資限度額演算部３０と、融資判断部３１と、返済処理部３２と、契約終了処理部３３と、追証処理部３４と、契約処理部３５とを有している。以下、各部３０〜３５を順に説明する。
【００４５】
融資限度額演算部３０は、担保有価証券の評価額に対応した融資の限度額を演算する部分であり、図５のフローチャート図に示すが如く機能する。
すなわち、融資限度額演算部３０は、当該顧客の担保有価証券残高情報Ｄ１をＷＡＮ３００を介して図１に示す証券会社のシステム１００から受信すると（図５のステップＳ１のＹｅｓ）、各銘柄の時価情報Ｄ２をデータベースサーバ４から読み出し、担保有価証券残高の全銘柄の合計時価（以下「担保有価証券残高の評価額」と記す。）を求める（同図のステップＳ２）。そして、予め設定されている掛目（例えば６０％）をこの担保有価証券残高の評価額に乗算して、担保融資限度額を求める機能を有する（同図のステップＳ３）。さらに、融資限度額演算部３０は、担保有価証券残高の評価額情報Ｄ３と担保融資限度額情報Ｄ４とをデータベースサーバ４に格納すると共にＷＡＮ３００を介して証券会社のシステム１００に送信する機能も有している（同図のステップＳ４，Ｓ５）。融資限度額演算部３０によるかかる処理は定期的（例えば毎日）あるいは図示しない管理者の指示により適時に実行される。
【００４６】
図４に示す融資判断部３１は、顧客からの借入申込に対する融資の可否判断をする部分である。
図６は、融資判断部３１の機能を示すフローチャート図である。
融資判断部３１は、借入申込要求ＲＱ１を入力すると（図６のステップＳ１のＹｅｓ）、電子帳票作成サーバ５で作成した借入申込書Ｒ１を業務処理部６に送信する（同図のステップＳ２）。これと並行して、融資判断部３１は、担保融資限度額情報Ｄ４と極度貸付限度額情報Ｄ５とをデータベースサーバ４から読み出す（同図のステップＳ３）。そして、担保融資限度額情報Ｄ４が示す担保融資限度額と極度貸付限度額情報Ｄ５が示す極度貸付限度額のうち低い方を融資限度として認識する（同図のステップＳ４）。しかる後、上記借入申込要求ＲＱ１が示す借入金額がこの融資限度内であるか否かを判断する（同図のステップＳ５）。そして、借入金額が融資限度内である場合には、業務処理部６の指示により、融資承認通知Ｒ２を電子帳票作成サーバ５に作成させ、この通知をＩ−ＮＥＴ３０１を通じて端末２００に送信する（同図のステップＳ５のＹｅｓ，Ｓ６）。そして、この融資判断部３１が、融資承諾通知Ｒ２の送信後、当該借入金額を銀行９の顧客口座９０に振り込んだ旨の通知を業務処理部６から受信すると、融資残高を確定し、融資残高情報Ｄ６をデータベースサーバ４に格納すると共に担保融資限度額情報Ｄ４と担保有価証券残高の評価額情報Ｄ３とを更新する機能を有している（同図のステップＳ８）。また、借入金額が融資限度を超える場合には、業務処理部６の指示により、融資否認通知Ｒ３を電子帳票作成サーバ５に作成させ、この通知を端末２００に送信する機能も有している（同図のステップＳ５のＮｏ，Ｓ７）。
したがって、融資判断部３１は業務処理部６と共に融資判断手段を構成する。
【００４７】
また、融資判断部３１は、追加の借入申込要求ＲＱ１を入力すると、当該顧客の借入残高情報Ｄ７をデータベースサーバ４から読み出し、借入申込要求ＲＱ１が示す追加の借入金額とこの借入残高情報Ｄ７が示す借入残高との合計が、上記融資限度内であるかどうかを判断し、その結果に応じて上記と同様の処理を行う機能も有する。
【００４８】
図４に示す返済処理部３２は、顧客からの返済要求に基づいて予定返済額を求め、その情報を送信する部分である。
具体的には、返済処理部３２は、月次報告書Ｒ４と返済期日確認通知Ｒ５とを電子帳票作成サーバ５に作成させて、月次報告書Ｒ４を業務処理部６に送信すると共に、返済期日確認通知Ｒ５を顧客の端末２００にＩ−ＮＥＴ３０１を通じて送信する機能を有している。
また、返済処理部３２は、返済期日確認通知Ｒ５をＷＥＢサーバ２に格納して、顧客が端末２００から返済期日を照会できるようにしている。
さらに、返済処理部３２は、返済申込要求ＲＱ２を顧客の端末２００から受信した場合に、この返済申込要求ＲＱ２が返済申込か契約継続依頼かのいずれを要求しているかを判断する。そして、返済申込の場合には、返済申込要求ＲＱ２が示す返済方法や返済期日の情報を業務処理部６に送信する。
【００４９】
図７は、担保売却返済に対する返済処理部３２の機能を示すフローチャート図である。
返済処理部３２が、担保有価証券に関する売却注文／売却代金報告Ｒ６を証券会社のシステム１００から受信すると共に、売却代金からの返済申込要求ＲＱ２を顧客の端末２００から受信した場合には（図７のステップＳ１のＹｅｓ，Ｓ２のＹｅｓ）、返済処理部３２は、当該顧客の借入残高情報Ｄ７と担保融資限度額情報Ｄ４とをデータベースサーバ４から読み出す（同図のステップＳ３）。そして、借入残高情報Ｄ７が示す借入残高から担保融資限度額情報Ｄ４が示す担保融資限度額を差し引く演算処理を行い、担保不足が発生しているか否かを判断する（同図のステップＳ４）。
この演算の結果、担保不足が生じていない場合には、予定返済額を決定し、この予定返済額を示す予定返済額通知Ｒ７を証券会社のシステム１００にＷＡＮ３００を介して送信すると共にＩ−ＮＥＴ３０１を介して顧客の端末２００に送信する機能を有している（同図のステップＳ４のＮｏ，Ｓ５，Ｓ６）。
このとき、返済処理部３２は、予定返済額通知Ｒ７をＷＥＢサーバ２に格納して、顧客の端末２００から予定返済額を照会することができるようにする。
また、担保不足が生じている場合には、この担保不足額を担保売却代金から充当して予定返済額を決定し、この予定返済額を示す予定返済額通知Ｒ７を証券会社のシステム１００と顧客の端末２００とに送信する機能を有している（同図のステップＳ４のＹｅｓ，Ｓ７，Ｓ５，Ｓ６）。
さらに、顧客が返済額を銀行９の証券金融会社口座９１に入金し、この入金を確認した業務処理部６からの指示があると、この返済処理部３２は、データベースサーバ４内の新しい融資残高情報Ｄ６を更新する機能も有している。このとき、返済処理部３２は、この融資残高情報Ｄ６をＷＥＢサーバ２に格納して、顧客が融資残高を端末２００から照会できるようにする。
したがって、この返済処理部３２は業務処理部６と共に返済処理手段を構成する。
【００５０】
図４に示す契約終了処理部３３は、顧客の全額返済等による契約終了の処理を行う部分である。
図８は、契約終了処理部３３の機能を示すフローチャート図である。
契約終了処理部３３は、銀行９の証券金融会社口座９１への振込状況を業務処理部６を通じて確認し、図示しない内蔵カレンダに基づいて、返済額が顧客から証券金融会社口座９１に振り込まれているか否かを確認する（図８のステップＳ１）。同時に、暫時振り込まれる都度、融資残高情報Ｄ６と借入残高情報Ｄ７とを更新し、融資残高情報Ｄ６に基づいて、契約期間満了日迄に返済額の全額が支払われているか否かを判断する（同図のステップＳ２，Ｓ３）。そして、全額返済されていると判断した場合には、契約と担保権設定との解除要求ＲＱ３を証券会社のシステム１００にＷＡＮ３００を通じて送信する機能を有する（同図のステップＳ３のＹｅｓ，Ｓ４）。また、全額返済されていないと判断し且つ契約継続依頼がない場合には、担保有価証券売却要求ＲＱ４を証券会社のシステム１００に送信する機能も有している（同図のステップＳ３のＮｏ，Ｓ５のＮｏ，Ｓ６）。
【００５１】
ところで、契約終了処理部３３は、かかる担保有価証券売却要求ＲＱ４を送信する迄に、次のような処理を行う機能を有している。
契約終了処理部３３は、借入残高情報Ｄ７をデータベースサーバ４から読み出し、この借入残高情報Ｄ７に基づいて未返済顧客リストＬ１を電子帳票作成サーバ５に作成させ、この未返済顧客リストＬ１を業務処理部６に送信する。すると業務処理部６において、未返済の顧客に対して、督促書Ｒ８，催告書Ｒ９の処理が行われる。そして、最終的に未返済の場合には、担保有価証券売却要求ＲＱ４が業務処理部６から証券会社のシステム１００に送信される。
そして、担保有価証券売却要求ＲＱ４の送信後に、銀行９の証券金融会社口座９１に担保売却代金が入金されていることを確認した業務処理部６の指示によって、契約終了処理部３３が、データベースサーバ４内の借入残高情報Ｄ７を担保売却代金を差し引いた新しい借入残高の借入残高情報Ｄ７に更新する。
したがって、契約終了処理部３３は業務処理部６と共に契約終了処理手段を構成している。
【００５２】
図４に示す追証処理部３４は、担保価値の目減りを考慮して担保不足額を徴収するための部分である。
図９は、追証処理部３４のブロック図である。
図９に示すように、追証処理部３４は、基本処理部３６と第１強制売却処理部３７と第２強制売却処理部３８とを有している。
【００５３】
図１０は、基本処理部３６の主な機能を示すフローチャート図である。
基本処理部３６は、担保有価証券残高情報Ｄ１と融資残高情報Ｄ６とをデータベースサーバ４から読み出し（図１０のステップＳ１）、この担保有価証券残高情報Ｄ１が示す担保有価証券残高の評価額に対する融資残高情報Ｄ６が示す融資残高の比率（融資比率）を演算する。すなわち、融資残高を評価額で除算して融資比率を決定する（同図のステップＳ２）。しかる後、基本処理部３６は、この融資比率が掛目（例えば６０％）よりも大きな予め設定された第１基準比率（例えば７０％）以上であるか否かを判断する（同図のステップＳ３）。そして、演算した融資比率が第１基準比率よりも大きい場合には、現時点の担保有価証券残高評価額を融資時の担保有価証券残高の評価額から差し引き、その差額を担保不足額とする機能を有している（同図のステップＳ３のＹｅｓ，Ｓ４）。
基本処理部３６は、かかる演算処理を定期的（例えば毎日）あるいは図示しない管理者の指示により適時に行い、その都度、上記融資比率を示す融資比率情報Ｄ９をデータベースサーバ４に格納すると共に、担保不足の顧客リストＬ２を電子帳票作成サーバ５に作成させて、業務処理部６に送信する（同図のステップＳ５）。これにより、担保不足額を示す担保不足通知書Ｒ１０が業務処理部６から担保不足の顧客に送られる。
したがって、基本処理部３６は、業務処理部６と共に追証処理手段を構成している。
【００５４】
また、基本処理部３６は、証券会社への追加担保の入庫に基づく担保有価証券残高情報Ｄ１を証券会社のシステム１００から受信した場合には、この担保有価証券残高情報Ｄ１をデータベースサーバ４に格納する機能を有している。さらに、担保有価証券の売却による担保不足額の返済を業務処理部６が銀行９の証券金融会社口座９１で確認した場合には、業務処理部６の指示により借入残高情報Ｄ７を更新して、データベースサーバ４に格納する機能も有している。また、顧客から証券金融会社口座９１への直接振込による担保返済額の返済を業務処理部６が証券金融会社口座９１で確認した場合には、業務処理部６の指示により、融資残高情報Ｄ６を更新して、データベースサーバ４に格納する。
【００５５】
図９に示す第１強制売却処理部３７は、基本処理部３６で演算された担保不足額が返済期限内に返済されない場合に、担保有価証券の売却処理を行う部分である。
具体的には、第１強制売却処理部３７は、担保不足通知書Ｒ１０の発送日を含めた所定期間後に、融資残高情報Ｄ６と担保有価証券残高情報Ｄ１とをデータベースサーバ４から読み出し、これら融資残高情報Ｄ６と担保有価証券残高情報Ｄ１とに基づいて、担保不足通知書Ｒ１０を発送している顧客と担保不足額とを示す担保不足請求顧客リストＬ３を電子帳票作成サーバ５に作成させ、このリストＬ３を業務処理部６に送信する。すると、業務処理部６において、未返済の顧客に対して、督促書Ｒ８，催告書Ｒ９の処理が行われ、最終的に未返済の場合に、担保有価証券売却要求ＲＱ４が業務処理部６を介して証券会社のシステム１００に送信される。
担保有価証券売却要求ＲＱ４の送信後に、銀行９の証券金融会社口座９１に担保売却代金が入金されていることを確認した業務処理部６の指示によって、第１強制売却処理部３７が、データベースサーバ４内の借入残高情報Ｄ７を担保売却代金を差し引いた新しい借入残高の借入残高情報Ｄ７に更新する。
したがって、第１強制売却処理部３７は、業務処理部６と共に第１強制売却手段を構成する。
【００５６】
第２強制売却処理部３８は、融資比率が基本処理部３６における処理基準である第１基準比率（例えば７０％）よりも著しく大きくなった場合に、第１強制売却処理部３７と同様の処理を行う部分である。
具体的には、融資比率情報Ｄ９をデータベースサーバ４から定期的にまたは適時に読み出し、この融資比率情報Ｄ９が示す融資比率が予め設定された第２基準比率（例えば９０％）以上であるか否かを判断する。そして、この第２基準比率以上であると判断した場合には、返済期限内の如何に拘わらず、借入金額の全額返済を請求する通知を、顧客の端末２００に送信する。そして、当該全額返済が期限内に行われなかったことを銀行９の証券金融会社口座９１で確認した場合には、第１強制売却処理部３７と同様に当該顧客の担保有価証券の担保有価証券売却要求ＲＱ４を証券会社のシステム１００に送信し、以後、第１強制売却処理部３７と同様の処理を行う機能を有している。
したがって、第２強制売却処理部３８は、業務処理部６と共に第２強制売却手段を構成する。
【００５７】
図４に示す契約処理部３５は、顧客からの契約申込と担保有価証券の差入の申込があった場合に、当該顧客との契約に関する処理を業務処理部６と共に行う部分である。
具体的には、業務処理部６が契約の申込書Ｒ１１，有価証券担保差入書Ｒ１２等を受けると、所定手続が業務処理部６内で確認された後、契約有価証券担保差入書Ｒ１２が証券会社へ送られる。そして、担保差入が証券会社で認められない場合には、有価証券担保差入書Ｒ１２が業務処理部６に送られるので、業務処理部６がこの有価証券担保差入書Ｒ１２を契約の申込書Ｒ１１等と共に顧客に返却する。
また、担保差入が認められた場合には、質権口座設定情報Ｄ１１が証券会社のシステム１００から契約処理部３５に送信されてくるので、契約処理部３５は、この質権口座設定情報Ｄ１１をデータベースサーバ４に格納すると共に業務処理部６に送信する機能を有する。業務処理部６では、この質権口座設定情報Ｄ１１に基づいて顧客の顧客口座情報Ｄ１０を作成し、この顧客口座情報Ｄ１０をデータベースサーバ４に格納すると共に、電子帳票作成サーバ５を介して極度貸付方式の契約書Ｒ１３を作成して顧客に送る。
【００５８】
図１に示すデータベースサーバ４は、各種情報を格納する部分である。
具体的には、データベースサーバ４は、各顧客ごとに分類された領域を有し、各顧客領域内に当該顧客の上記担保有価証券残高情報Ｄ１，時価情報Ｄ２，評価額情報Ｄ３，担保融資限度額情報Ｄ４，極度貸付限度額情報Ｄ５，融資残高情報Ｄ６，借入残高情報Ｄ７，融資比率情報Ｄ９，顧客口座情報Ｄ１０の他、借入や返済等の履歴情報等が格納されている。
【００５９】
上記のごとき構成の有価証券担保ローン処理システム１にＷＡＮ３００を介して接続されたシステム１００は、図１に示すように、格納手段としてのデータベース１０１と、契約処理補助手段としての契約処理補助部１０２と、融資処理補助手段としての融資処理補助部１０３と、返済処理補助手段としての返済処理補助部１０４と、追証処理補助手段としての追証処理補助部１０５とを備え、これらの補助部によって、有価証券担保ローン処理システム１で行われる契約処理，融資処理，返済処理及び追証処理を補助する。
【００６０】
データベース１０１は、システム１００内または有価証券担保ローン処理システム１との間で送受信される各種の情報を格納する部分であり、契約処理補助部１０２は、有価証券担保ローン処理システム１における契約処理を補助する部分である。
具体的には、契約処理補助部１０２は、有価証券担保差入書Ｒ１２をアプリケーションサーバ３の契約処理部３５から受信すると、担保差入の可否を判断する。そして、担保差入を認めた場合には、当該顧客の保護預かりとなっている有価証券の上に根担保権（質権）を設定する。しかる後、契約処理補助部１０２は、質権口座設定情報Ｄ１１をデータベース１０１に格納すると共にアプリケーションサーバ３の契約処理部３５に送信する機能を有している。
【００６１】
融資処理補助部１０３は、有価証券担保ローン処理システム１における処理に必要な情報を有価証券担保ローン処理システム１に送信して、有価証券担保ローン処理システム１の融資処理を補助すると共に、顧客からの買付注文を処理する部分である。
具体的には、融資処理補助部１０３は、データベース１０１内の担保有価証券残高情報Ｄ１をアプリケーションサーバ３の融資限度額演算部３０にＷＡＮ３００を通じて毎日送信する機能を有している。また、融資処理補助部１０３は、有価証券の買付注文を顧客の端末２００からＩ−ＮＥＴ３０１を通じて受信すると、顧客の預り金をこの買付注文に係る有価証券の買付代金から差し引く演算を行う。そして、この演算で買付不足額が生じない場合には、有価証券を顧客の預り金で買い付ける指示を行う。また、買付不足額が生じる場合には、この買付不足額を借入金額とする借入申込要求ＲＱ１をアプリケーションサーバ３の融資判断部３１に送信する。そして、借入金額が証券金融会社から銀行９の顧客口座９０に入金された後、この借入金額が顧客から証券会社の銀行口座（図示せず）に入金されると、この借入金額と顧客の預り金とを買付注文の充当金とする。
さらに、この融資処理補助部１０３は、上記買付注文時に、担保有価証券の売却要求を顧客の端末２００から受信した場合には、この担保有価証券の売却代金を加算して買付注文の充当金とする。
【００６２】
返済処理補助部１０４は、有価証券担保ローン処理システム１における返済処理を補助する部分である。
具体的には、返済処理補助部１０４は、返済のための担保有価証券売却要求を顧客の端末２００からＩ−ＮＥＴ３０１を通じて受信すると、売却注文／売却代金報告Ｒ６をアプリケーションサーバ３の返済処理部３２に送信する機能を有している。そして、予定返済額通知Ｒ７を返済処理部３２からＷＡＮ３００を通じて受信すると、返済額を確定して、銀行９の証券金融会社口座９１に振り込む機能も有している。返済後の担保有価証券の売却代金に残金がある場合には、その残金を預り金として顧客口座９０に入金するようになっている。
【００６３】
追証処理補助部１０５は、有価証券担保ローン処理システム１における追証処理を補助する部分である。
具体的には、追証処理補助部１０５は、追証のための追加担保の入庫要求ＲＱ１００を顧客の端末２００から受信すると、担保有価証券残高情報Ｄ１を更新してデータベース１０１に格納すると共に、この担保有価証券残高情報Ｄ１をアプリケーションサーバ３の追証処理部３４の基本処理部３６にＷＡＮ３００を通じて送信する機能を有している。
また、追証処理補助部１０５は、追証のための担保売却依頼要求ＲＱ１０１を顧客の端末２００から受信すると、当該顧客の担保有価証券の売却代金のうち、担保不足額に相当する額を銀行９の証券金融会社口座９１に振り込む機能も有する。
さらに、この追証処理補助部１０５は、担保有価証券売却要求ＲＱ４を有価証券担保ローン処理システム１から受信すると、顧客の担保有価証券を売却して、担保不足額に相当する額を銀行９の証券金融会社口座９１に振り込む機能も有している。
【００６４】
次に、上記有価証券担保ローン処理システム１を用いて、この発明の有価証券担保ローン処理方法を具体的に実行する例について説明する。
【００６５】
図１１は契約処理のシーケンス図である。
顧客が証券会社に保護預かりとなっている有価証券に担保を設定して、融資を証券金融会社から受けることを望む場合には、図１１に示す契約処理が実行される。
すなわち、顧客が端末２００からＩ−ＮＥＴ３０１を介して証券金融会社の有価証券担保ローン処理システム１のＷＥＢサーバ２にアクセスすると（図１１のアクティブＡ１−Ａ２）、ＷＥＢページＰ１が開く（資料表示過程）。そこで、申込メニューＭ１のボタンｍ１１，ｍ１２，ｍ１３をクリックして、契約の申込書Ｒ１１，有価証券担保差入書Ｒ１２等をＷＥＢサーバ２からダウンロードする（同図アクティブＡ２−Ａ１）。
そして、顧客が契約の申込書Ｒ１１と有価証券担保差入書Ｒ１２とを有価証券担保ローン処理システム１の業務処理部６に送ると（同図アクティブＡ１−Ａ３）、書類審査等が業務処理部６において行われた後、有価証券担保差入書Ｒ１２が業務処理部６から証券会社に送られ、証券会社に対して担保設定を促す（同図アクティブＡ３−Ａ４）。
すると、証券会社のシステム１００の契約処理補助部１０２において、担保設定の可否が審査され、認められると、根担保権が顧客の有価証券の上に設定される。そして、その質権口座設定情報Ｄ１１が、データベース１０１に格納されると共にアプリケーションサーバ３の契約処理部３５に送信される（同図アクティブＡ４−Ａ５）。
この質権口座設定情報Ｄ１１は、有価証券担保ローン処理システム１のデータベースサーバ４に格納されると共にアプリケーションサーバ３の契約処理部３５から業務処理部６に送信され（同図アクティブＡ５−Ａ６）、顧客口座情報Ｄ１０が業務処理部６から契約処理部３５に送信されて、データベースサーバ４に格納される（同図アクティブＡ６−Ａ５）。また、契約書Ｒ１３が業務処理部６から顧客に送られる（同図アクティブＡ６−Ａ７）。
以上のようにして、この発明の有価証券担保ローン処理方法に係る契約処理が実行される。
【００６６】
したがって、顧客が、端末２００から証券金融会社の有価証券担保ローン処理システム１にアクセスして、契約の申込書Ｒ１１，有価証券担保差入書Ｒ１２等をＷＥＢページＰ１から簡単にダウンロードすることができるので、これらの資料を証券会社まで取りに行く手間を省くことができる。しかも、一度の申込手続で契約ができるので、契約の際、顧客と証券会社や顧客と証券金融会社の間で行う書面による煩雑な授受や押印の必要がない。
【００６７】
図１２は、融資処理のシーケンス図である。
アプリケーションサーバ３の融資限度額演算部３０においては、証券会社のシステム１００の融資処理補助部１０３から送信されてくる担保有価証券残高情報Ｄ１に基づいて、担保有価証券残高の評価額と担保限度額とが定期的にまたは適時に演算され、その評価額情報Ｄ３と担保融資限度額情報Ｄ４とが更新されてデータベースサーバ４に格納される（図１２のアクティブＡ１１−Ａ１２）。そして、これらの評価額情報Ｄ３と担保融資限度額情報Ｄ４は、証券会社のシステム１００の融資処理補助部１０３に送られてデータベース１０１に格納される（同図アクティブＡ１２−Ａ１１）。
【００６８】
上述した契約処理において、証券金融会社と契約を結んだ顧客が融資を証券金融会社から受ける場合には、端末２００から有価証券担保ローン処理システム１のＷＥＢサーバ２にアクセスし、開いたＷＥＢページＰ１に表示されている申込メニューＭ１の中から融資申込ボタンｍ１４をクリックして借入申込要求ＲＱ１をアプリケーションサーバ３の融資判断部３１に送信すると（同図アクティブＡ１３−Ａ１４）、融資判断部３１から業務処理部６に借入申込書Ｒ１が送信され（同図アクティブＡ１４−Ａ１５）、借入受付過程が実行される。
これと並行して、融資判断部３１においては、データベースサーバ４から読み出された担保融資限度額情報Ｄ４と極度貸付限度額情報Ｄ５とに基づいて、借入申込要求ＲＱ１が示す借入金額が融資限度内か否かが判断される。そして、借入金額が融資限度内である場合には、融資承認通知Ｒ２が端末２００に送信され（同図アクティブＡ１４−Ａ１３）、融資判断過程が実行される。
しかる後、借入金額が業務処理部６から銀行９の顧客口座９０に入金され（同図アクティブＡ１６−Ａ１７）、その旨の通知が業務処理部６から融資判断部３１に送信されると、融資残高情報Ｄ６と更新された評価額情報Ｄ３及び担保融資限度額情報Ｄ４とがデータベースサーバ４に格納される（同図アクティブＡ１６−Ａ１８）。
なお、上記借入申込要求ＲＱ１が追加の借入申込である場合には、データベースサーバ４から読み出した借入残高情報Ｄ７と借入金額との合計が融資限度内か否かが判断される。
【００６９】
以上のような入金過程の実行により、顧客は、証券金融会社からの借入金額によって、有価証券を証券会社に買付注文することが可能である（同図アクティブＡ１７−Ａ１９）。
顧客は、端末２００から証券会社のシステム１００の融資処理補助部１０３にＩ−ＮＥＴ３０１を通じて買付注文することができる。
融資処理補助部１０３が顧客の端末２００からの買付注文を受信すると、有価証券の買付代金を顧客預り金から差し引いて有価証券の買付を行う。しかし、顧客預り金が足りずに、買付不足額が生じた場合には、証券会社は、買付不足額を借入金額とする融資をアプリケーションサーバ３の融資限度額演算部３０から受け、その借入金額を買付注文の充当金とすることができる（同図アクティブＡ１９−Ａ２０）。
なお、この買付注文時に、顧客が証券会社に担保有価証券の売却要求をして、その売却代金を買付注文の充当金にすることもできる。
【００７０】
以上のように、この実施形態の融資処理では、顧客の端末２００から借入申込や追加借入申込を証券金融会社の有価証券担保ローン処理システム１に対して行うと、自動的に借入受付と融資とが実行されるので、顧客が証券会社で借入手続をする場合と異なり、借入の都度、契約の変更手続をする必要がない。
また、顧客の買付注文時に、買付不足額が生じた場合においても、証券会社が証券金融会社に融資の要求をして、その借入金額を買付注文の充当金にすることができるので、タイムラグがほとんどなく、変動性が高く顧客にとって面白みが大きな有価証券についても機会を逸することなく積極的に購入することができる。この結果、証券金融会社にとっても融資機会が増加する。
【００７１】
上記融資処理において、証券金融会社から顧客に融資された融資金は、顧客から証券金融会社に返済することになるが、この際には、次のような返済処理が実行される。
図１３は、返済処理のシーケンス図である。
図１３に示すように融資処理実行後は、月次報告書Ｒ４が有価証券担保ローン処理システム１のアプリケーションサーバ３の返済処理部３２から業務処理部６に送信される（図１３のアクティブＡ２１−Ａ２２）と共に、返済期日確認通知Ｒ５が返済処理部３２から顧客の端末２００に送信される（同図アクティブＡ２１−Ａ２３）。
顧客は、この返済期日確認通知Ｒ５に基づいて、返済方法を決めることができる。
顧客が証券金融会社に借入金額の返済を申し込む場合には、有価証券担保ローン処理システム１のＷＥＢサーバ２にアクセスして、ＷＥＢページＰ１の申込メニューＭ１の返済申込ボタンｍ１５をクリックする。そして、図３に示したページＰ２のボタンｔ１，ｔ２等をクリックして返済方法や返済期日を選択した後、送信ボタンを押す。例えば、分割返済か一括返済かを選択し、また、契約継続依頼でない場合には、「返済申込」を選択して、送信ボタンを押す。
すると、このページＰ２が返済方法申込要求ＲＱ２として、アプリケーションサーバ３の返済処理部３２に送信された後、業務処理部６に送信される（同図アクティブＡ２３−Ａ２４−Ａ２５）。
【００７２】
顧客が上記証券金融会社への返済を担保有価証券の売却で行う場合には、売却注文を端末２００から証券会社のシステム１００の返済処理補助部１０４に対して行う（同図アクティブＡ２６−Ａ２７）と共に、有価証券担保ローン処理システム１のＷＥＢサーバ２にアクセスし、売却代金からの返済申込要求ＲＱ２をＷＥＢページＰ１を通じて送信する（同図アクティブＡ２６−Ａ２８）。これにより、返済申込受付過程が実行される。
すなわち、売却注文／売却代金報告Ｒ６が、売却注文を受けた証券会社の返済処理補助部１０４からアプリケーションサーバ３の返済処理部３２に送信され（同図アクティブＡ２７−Ａ２８）、返済処理部３２において、返済額報告過程が実行されて、上記した演算処理により予定返済額が決定される。そして、予定返済額通知Ｒ７が顧客の端末２００と証券会社の返済処理補助部１０４に送信され、返済額の振込が促される（同図アクティブＡ２８−Ａ２６，Ａ２８−Ａ２９）。
すると、予定返済額通知Ｒ７を受信した証券会社の返済処理補助部１０４において、顧客からの出金依頼を受け付けた後（同図アクティブＡ２６−Ａ２９）、返済額が売却代金の中から取り出され、この返済額が証券金融会社口座９１に入金されて、返済過程が実行される（同図アクティブＡ２９−Ａ３０）。
しかる後、業務処理部６において、当該入金が確認されると、アプリケーションサーバ３の返済処理部３２において、融資残高情報Ｄ６が更新される（同図アクティブＡ３０−Ａ３１−Ａ３２）。
なお、顧客が証券金融会社口座９１に直接入金することによって返済した場合にも、融資残高情報Ｄ６が入金確認後に更新される（同図アクティブＡ３３−Ａ３０−Ａ３１−Ａ３２）。
【００７３】
上記返済過程の実行と並行して、契約終了過程が実行される。
すなわち、有価証券担保ローン処理システム１のアプリケーションサーバ３の契約終了処理部３３において、返済額の確認が業務処理部６を通じて継続的に行われ、全額支払いが確認された場合には、担保の解除要求ＲＱ３が契約終了処理部３３から証券会社のシステム１００の返済処理補助部１０４に送信され、根担保権設定の解除が証券会社において実行される。また、全額が支払われていない場合は、担保有価証券売却要求ＲＱ４が証券会社のシステム１００に送信される（同図アクティブＡ３２−Ａ３４）。
【００７４】
ところで、上記の担保有価証券売却要求ＲＱ４が送信される迄に、アプリケーションサーバ３の契約終了処理部３３において所定の処理がとられている。
図１４は、担保有価証券の売却処理を示すシーケンス図である。
図１４に示すように、未返済顧客リストＬ１が有価証券担保ローン処理システム１のアプリケーションサーバ３の契約終了処理部３３から業務処理部６に送信され（図１４のアクティブＡ３５−Ａ３６）、督促書Ｒ８，催告書Ｒ９が未返済の顧客に対して順次送られる（同図アクティブＡ３６−Ａ３７）。そして、担保処分期限がくると、担保有価証券売却要求ＲＱ４が業務処理部６から証券会社のシステム１００の返済処理補助部１０４に送信される（同図アクティブＡ３６のＹｅｓ−Ａ３８−Ａ３９）。
すると、返済処理補助部１０４において、担保売却処理が行われ、その売却代金が証券金融会社口座９１に入金されたことを、アプリケーションサーバ３の契約終了処理部３３が業務処理部６を通じて確認すると、借入残高情報Ｄ７が更新される（同図アクティブＡ３９−Ａ４０−Ａ４１−Ａ４２）。
なお、担保有価証券売却要求ＲＱ４の送信前に、顧客から業務処理部６への全額返済の連絡があった場合には、契約と担保権設定の解除要求ＲＱ３が業務処理部６から証券会社の返済処理補助部１０４に送信される（同図アクティブＡ３７−Ａ３８−Ａ３９）。
【００７５】
このように、この実施形態の返済処理によれば、顧客が担保有価証券の売却注文と返済申込の手続とを一つの手続でできるので、顧客の返済手続が簡素化されるだけでなく、証券金融会社にとっても貸し倒れのリスクをなくすことができる。また、顧客が全額返済すると、契約が解除されると共に担保の設定を解除する指示が証券会社に自動的に送られるので、顧客は、証券会社と面倒な解約手続をする必要がない。
【００７６】
証券金融会社では、上記融資処理実行後に担保有価証券の評価額の目減りによる損失を防止するため、追証処理が実行される。
図１５は、追証処理のシーケンス図である。
有価証券担保ローン処理システム１のアプリケーションサーバ３における追証処理部３４の基本処理部３６では、担保不足額演算過程が定期的にまたは適時に実行され、融資比率が第１基準比率よりも大きい場合に、その担保不足額が上記したように演算される。
そして、担保不足が生じた場合には、担保不足の顧客リストＬ２が基本処理部３６から業務処理部６に送信され（図１５のアクティブＡ５１−Ａ５２）、担保不足通知書Ｒ１０が業務処理部６から顧客に送られて、担保不足通知過程が実行される（同図アクティブＡ５２−Ａ５３）。
担保不足通知書Ｒ１０を受けた顧客は、追加担保の入庫（同図アクティブＡ５４），担保の売却依頼（同図アクティブＡ５７），自己資金の投入（同図アクティブＡ６２）のいずれかの方法で担保不足を解消することができ、かかる手続により、不足額返済過程が実行される。
【００７７】
顧客が追加担保の入庫による担保不足の解消を望む場合には、追加担保入庫の要求ＲＱ１００を端末２００から証券会社のシステム１００の追証処理補助部１０５に送信する（同図アクティブＡ５４−Ａ５５）。すると、追証処理補助部１０５において、担保有価証券残高情報Ｄ１が更新された後、その担保有価証券残高情報Ｄ１が追証処理部３４の基本処理部３６に送信され、データベースサーバ４内の担保有価証券残高情報Ｄ１が新しい担保有価証券残高情報Ｄ１に更新される（同図アクティブＡ５５−Ａ５６）。
【００７８】
また、顧客が担保の売却によって担保不足の解消を望む場合には、担保売却依頼要求ＲＱ１０１を端末２００から証券会社の追証処理補助部１０５に送信する（同図アクティブＡ５７−Ａ５８）。
すると、追証処理補助部１０５によって、担保不足額が証券金融会社口座９１に担保有価証券の売却代金から入金される（同図アクティブＡ５８−Ａ５９）。そして、業務処理部６において入金が確認されると、業務処理部６の指示で借入残高情報Ｄ７が更新される（同図アクティブＡ５９−Ａ６０−Ａ６１）。
【００７９】
また、顧客が自己資金で担保不足を解消する場合には、顧客が証券金融会社口座９１に担保不足額を直接入金する（同図アクティブＡ６２−Ａ６３）。すると、業務処理部６において、入金が確認され、業務処理部６の指示で、融資残高情報Ｄ６が更新される（Ａ６３−Ａ６４−Ａ６５）。
【００８０】
なお、上記担保不足額が顧客から証券会社に返済期限内に返済されない場合には、第１強制売却過程が実行される。
図１６は、第１強制売却過程のシーケンス図である。
上記のように担保不足通知書Ｒ１０が顧客に発送されると、アプリケーションサーバ３の追証処理部３４の第１強制売却処理部３７において、担保不足請求顧客リストＬ３が作成され、業務処理部６に送信される（図１６のアクティブＡ７１−Ａ７２）。すると、督促書Ｒ８，催告書Ｒ９が業務処理部６から顧客に順次送られ（同図アクティブＡ７２−Ａ７３）、返済期限がくると、担保有価証券売却要求ＲＱ４が業務処理部６から証券会社のシステム１００の追証処理補助部１０５に送信される（Ａ７２−Ａ７５）。
すると、追証処理補助部１０５において、担保売却処理が行われ、その売却代金が証券金融会社口座９１に入金されたことを、追証処理部３４の第１強制売却処理部３７が業務処理部６を通じて確認すると、借入残高情報Ｄ７が更新される（同図アクティブＡ７５−Ａ７６−Ａ７７−Ａ７８）。
なお、顧客から業務処理部６への担保不足解消の連絡があった場合には（同図アクティブＡ７３−Ａ７２）、追証の改善が業務処理部６において確認され、業務処理部６の指示により、担保有価証券残高情報Ｄ１と融資残高情報Ｄ６の更新が追証処理部３４の基本処理部３６においてなされる（同図アクティブＡ７２−Ａ７４）。
【００８１】
ところで、追証処理部３４の基本処理部３６が担保不足演算過程を実行している際に、融資比率が第２基準比率より大きいことが判明した場合には、上述した第２強制売却過程が第２強制売却処理部３８によって実行される。
【００８２】
このように、証券金融会社の有価証券担保ローン処理システム１が担保不足の追証請求を自動的に行うので、証券会社が追証手続を行う必要はない。また、追加担保入庫の要求が顧客から証券会社のシステム１００にあった場合には、証券金融会社の有価証券担保ローン処理システム１が大部分の手続を自動的に行うので、証券会社における担保有価証券の入庫手続の簡素化を期待することができる。
【００８３】
すなわち、この実施形態の有価証券担保ローン処理システムによれば、契約，融資，返済及び追証の各手続の大部分を証券金融会社の有価証券担保ローン処理システム１によって行うことができるので、貸し倒れなどによって直接的にリスクを負うケースが極めて少なくなる。証券会社にとってはリスクが激減する。また、有価証券担保ローン処理システム１及び証券会社のシステム１００がほぼ自動的に各処理を行うので、ペーパレス化を向上させることができ、手続の簡素化と運用コストの低減化とを図ることができる。ＷＡＮ３００やＩ−ＮＥＴ３０１等のネットワークを介して処理するようにしているので、顧客にとっても利便性が高い。
【００８４】
なお、この発明は、上記実施形態に限定されることなく、発明の要旨の範囲内において種々の変更や変形が可能である。
例えば、上記実施形態では、買付注文時に買付不足額が生じた場合に、証券会社が証券金融会社に借入申込を行い、その借入金額が証券金融会社から顧客口座９０に入金された後、その入金された借入金額を買付注文の充当金として補充したが、これに限るものではない。証券会社が証券金融会社への借入申込と同時にまたは証券金融会社からの融資承認を受けたときに、すなわち、借入金額が顧客口座９０に入金される前に、証券会社がその借入予定金額を買付注文の充当金とすることもできる。これにより、買付注文と買付不足額の充当との間のタイムラグをさらに短くすることができる。
【００８５】
【発明の効果】
以上詳しく説明したように、請求項１の発明によれば、各手続の処理の大部分を証券金融会社で行う方法であるので、貸し倒れなどによって直接的にリスクを負う証券金融会社にとって安心であり、証券会社にとってもリスクが軽減する。しかも、自動的に各手続の処理をするので、証券金融会社のリスクも軽減させることができる。さらに、コンピュータとネットワークによる自動化及びペーパレス化が図られているので、証券会社が顧客と証券会社の間及び証券会社と証券金融会社の間の手続を電話やＦＡＸを併用しながら書面で行う必要がなく、手続の簡素化と迅速化を図ることができる。特に、書面帳票の授受という非常に煩わしい手続を証券会社と証券金融会社との間でしなくて済むので、処理システム負荷コストや事務コストの削減が可能となり、ビジネスの採算性を高めることができる。また、ネットワークを介した手続は、顧客にとっても利便性が高いだけでなく、顧客と証券会社や証券金融会社との間の煩雑且つ無駄な事務処理を省くことができるので、顧客に対する事務処理コストの低減化を図ることができる。
【００８６】
また、請求項２及び請求項２３の発明によれば、契約に関する各種資料を顧客のコンピュータによってダウンロードすることができるので、顧客がわざわざ証券会社の店頭まで出向いて資料を取得する必要がない。しかも、証券金融会社に一度申込をすることにより、契約が可能になるので、契約の際、顧客と証券会社や顧客と証券金融会社の間で、頻繁に借入申込書や受領書等を書面で授受したり、押印したりする必要がなく、顧客にとって非常に便利である。
【００８７】
請求項３，請求項４，請求項１４及び請求項１５の発明によれば、顧客のコンピュータから借入申込や追加借入申込をすると、融資処理の借入受付過程が実行され、この申込が証券金融会社のコンピュータによって受け付けられるので、顧客が証券会社で借入手続をする場合と異なり、借入の都度、契約の変更手続をする必要がない。この結果、顧客が、証書の発行に伴う印紙税の負担から解放される。また、証券会社における顧客への融資額の決定と融資の実行スピードとを向上させることができる。
【００８８】
また、請求項５，請求項６，請求項２４及び請求項２５の発明によれば、融資された借入金額または融資を承認された借入予定金額と顧客預り金や売却代金が買付注文の充当金とされるので、融資手続と有価証券買付手続とがほぼ同時に行われ、この結果、手続の省略化を図ることができる。さらに、このようにタイムラグがほとんどないことから、変動性が高く顧客にとって面白みが大きい有価証券についても機会を逸することなく積極的に購入することができることとなる。この結果、証券金融会社にとっても融資機会が増加し、ビジネスの向上につなげることができる。
【００８９】
また、請求項７，請求項１６及び請求項２６の発明によれば、顧客が担保有価証券の売却注文と返済申込の手続を一つの手続ででき、しかも、コンピュータを用いて行うことができるので、顧客の手続が簡素化される。また、顧客が利益を得ている一方で融資の返済を滞らせてしまうという事態が生じないので、証券金融会社にとっても貸し倒れのリスクをなくすことができる。また、売却注文があった場合には、証券会社は、担保有価証券の売却注文報告及びその売却代金報告を証券会社のコンピュータから証券金融会社のコンピュータに送るだけで済むので、顧客からの有価証券売却注文の都度、営業マンが売却理由などを確認する必要がなく、この結果、売却時の注文のチェックを簡素化することができる。
【００９０】
さらに、請求項８及び請求項１７の発明によれば、担保不足額を返済額に充当するので、確実に担保不足を解消することができる。
【００９１】
請求項９及び請求項１８の発明の発明によれば、顧客が全額返済すると、契約が解除されると共に担保の設定を解除する指示が証券会社のコンピュータに送られるので、顧客は、証券会社と面倒な解約手続をすることなく、担保を解除してもらうことができる。
【００９２】
請求項１０ないし請求項１３，請求項１９ないし請求項２２，請求項２７及び請求項２８の発明によれば、証券金融会社が担保不足の追証請求をするので、追証手続に関する証券会社の負担をなくすことができる。また、担保割れなどを予め防止することができる。
【００９３】
特に、請求項１１，請求項２０及び請求項２７の発明によれば、証券会社における担保有価証券の入庫手続の簡素化を期待することができる。
【図面の簡単な説明】
【図１】この発明の一実施形態に係る有価証券担保ローン処理システムを示すブロック図である。
【図２】ＷＥＢページの表示図である。
【図３】返済申込ページの一例を示す表示図である。
【図４】アプリケーションサーバの機能ブロック図である。
【図５】融資限度額演算部の機能を示すフローチャート図である。
【図６】融資判断部の機能を示すフローチャート図である。
【図７】担保売却返済に対する返済処理部の機能を示すフローチャート図である。
【図８】契約終了処理部の機能を示すフローチャート図である。
【図９】追証処理部のブロック図である。
【図１０】基本処理部の主な機能を示すフローチャート図である。
【図１１】契約処理のシーケンス図である。
【図１２】融資処理のシーケンス図である。
【図１３】返済処理のシーケンス図である。
【図１４】担保有価証券の売却処理を示すシーケンス図である。
【図１５】追証処理のシーケンス図である。
【図１６】第１強制売却過程のシーケンス図である。
【符号の説明】
１…有価証券担保ローン処理システム、２…ＷＥＢサーバ、３…アプリケーションサーバ、４…データベースサーバ、５…電子帳票作成サーバ、８…統合オンラインシステム、３０…融資限度額演算部、３１…融資判断部、３２…返済処理部、３３…契約終了処理部、３４…追証処理部、３５…契約処理部、３６…基本処理部、３７…第１強制売却処理部、３８…第２強制売却処理部、１００…証券会社のシステム、１０１…データベース、１０２…契約処理補助部、１０３…融資処理補助部、１０４…返済処理補助部、１０５…追証処理補助部、２００…端末、３００…ＷＡＮ、３０１…Ｉ−ＮＥＴ、Ｄ１…担保有価証券残高情報、Ｄ２…時価情報、Ｄ３…評価額情報、Ｄ４…担保融資限度額情報、Ｄ５…極度貸付限度額情報、Ｄ６…融資残高情報、Ｄ７…借入残高情報、Ｄ９…融資比率情報、Ｄ１０…顧客口座情報、Ｄ１１…質権口座設定情報、Ｐ１…ＷＥＢページ、Ｐ２…返済申込ページ、Ｒ１…借入申込書、Ｒ２…融資承認通知、Ｒ３…融資否認通知、Ｒ４…月次報告書、Ｒ５…返済期日確認通知、Ｒ６…売却注文／売却代金報告、Ｒ７…予定返済額通知、Ｒ８…督促書、Ｒ９…催告書、Ｒ１０…担保不足通知書、Ｒ１１…申込書、Ｒ１２…有価証券担保差入書、Ｒ１３…契約書、ＲＱ１…借入申込要求、ＲＱ２…返済申込要求、ＲＱ３…担保権設定の解除要求、ＲＱ４…担保有価証券売却要求、Ｌ１…未返済顧客リスト、Ｌ２…顧客リスト、Ｌ３…担保不足請求顧客リスト。[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a securities-secured loan processing method and a security-secured loan processing method in which a customer processes a contract, loan, repayment, and proof of a secured loan that receives a loan from a securities financing company using securities held in custody by the securities company. It is about the system.
[0002]
[Prior art]
For securities-secured loans, in which a customer secures securities held by a securities company as collateral and receives a loan from a securities finance company, a loan is made between the customer, the securities company, and the securities finance company using the securities company as a point of contact. Sign a contract.
When a customer receives a loan from a securities financing company, it evaluates the securities based on the market value of the securities held, and the securities financing company determines the loan amount based on this evaluation, and deposits the loan amount into the customer account. I do.
When a customer repays a loan, the amount of the loan is usually directly transferred to a designated bank account from income generated by selling securities.
By the way, the market value of securities fluctuates depending on economic conditions. Therefore, if left unchecked, the valuation value of the collateral securities will be lower than the loan amount after the loan, and there is a possibility that a shortage of collateral (so-called “collateral cracking”) may occur.
Therefore, securities companies and securities financing companies carry out additional proof, and in the event of a shortage of collateral, notify the customer to that effect and urge them to make up for the shortfall.
As described above, the conventional securities-backed loan is made up of a contract, a loan, a repayment, and an additional proof, and this processing is mainly performed by a securities company, and the contract, loan, repayment, and additional proof procedures are smoothly performed. And efficiency.
[0003]
However, in this securities-secured loan processing method, since the securities company handles all customer services, inquiries about the borrowing amount / limit, interest payment date, collateral evaluation value, etc. are concentrated on the securities companies from the customers. However, securities companies take time to respond. Moreover, since the procedure between the customer and the securities company and between the securities company and the securities finance company is performed in writing using both telephone and facsimile, the procedure becomes complicated, delays the procedure, and inquires about the situation. Had inconvenience. In particular, the transfer of a document form between a securities company and a securities financing company was very troublesome. As a result, the processing system load cost and office work cost increased, and the business profitability was poor.
[0004]
Also, in the contract procedure, the customer may have to go to the store of a securities company and make a written contract, which is cumbersome for the customer. That is, at the time of the contract, it was necessary to give or receive a written borrowing application form or a receipt form between the customer and the securities company, or to seal it. Then, when a customer continues to obtain a loan at a securities company, a certificate must be issued each time, and the stamp tax burden on the customer is large. Further, in securities companies, it is necessary to change the extreme amount when the price of the collateral securities rises and when principal and interest are added, and a complicated re-contract is required.
[0005]
Also, the application in the loan procedure is performed separately from the securities purchase procedure, which is troublesome. In addition, since the loan is executed on the next day at the earliest after the application for the loan, the date on which the customer transfers the funds obtained through the loan as a reserve for the purchase of securities is later than the date on which the purchase of the securities was intended. I will. Due to such a time lag, the customer often loses the opportunity to purchase excellent securities, and often refrain from receiving a loan for the purchase fund for highly volatile securities. This also means that securities financing companies lose financing opportunities.
[0006]
In addition, the repayment procedure is also performed separately from the securities sale procedure, so the customer must separately repay the proceeds from the securities sale procedure, which is troublesome. . In addition, securities financing companies have had to take on the risk of defaulting, as customers have been making profits and have been slow to repay loans. In addition, even if the customer repays the loan, the security is held down as collateral, so in order to release the collateral, a troublesome cancellation procedure must be performed with the securities company. On the other hand, in a securities company, it is necessary for a salesperson to confirm the reason for sale every time an order for selling securities is issued from a customer. In addition, when the customer repayments by cash or check, the business procedure of the branch office becomes complicated. In addition, since securities companies do not keep track of the loan balance on a computer system that manages the procedure flow of the entire business in a unified manner, it is necessary to create an auxiliary book including the loan balance and other deposits at the branch office. was there.
[0007]
In addition, the security company directly negotiates with the customer and requests additional security for collateral deficiency, which is a heavy burden on the securities company.
[0008]
As described above, the cause of many inconveniences in conventional securities-backed loans is that most of the procedures of contract, loan, repayment, and proof are performed by securities firms, and the procedures are performed manually in writing and the like. It is thought that it depends on doing.
On the other hand, by connecting a plurality of related parties such as customers, securities companies, banks, and the like via a network, a system for providing financing using financial products such as securities (for example, Patent Document 1), In a system relating to a security loan to be secured (for example, Patent Document 2), a system for financing with unpaid proceeds of sale (for example, Patent Document 3), and a loan secured by securities, market capitalization, security (For example, Patent Literature 4), individuals and small business owners evaluate collateral so that they can easily receive loans, solicit loan applicants, determine the maximum loan amount, and mediate loans (For example, Patent Literature 5) and techniques for reducing the risk of stock price fluctuations in loans secured by securities (for example, Patent Literature 6 and Patent Literature 7). These techniques are not sufficient technology to achieve the automation of securities-backed loans.
[0009]
Meanwhile, there is disclosed a technology in which a securities company sets collateral on securities held by customers and automatically executes procedures such as financing (for example, Patent Document 8).
This technology manages deposits and withdrawals in a securities general account by using a cash information management system that is a computer system.
Specifically, the accounting information management system is configured with a customer database in which information of securities held in custody held by each customer and accounting information of each customer in the account is registered. Then, the accounting information management system calculates and updates the lendable amount corresponding to the security securities in custody held by each customer every day based on the market value information of each security acquired from the security information database. If the customer has insufficient funds in the account for the application for fund withdrawal, the securities under custody shall be provided on condition that the insufficient amount is less than the calculated lending amount of the customer. The overdraft is automatically executed with a security right set.
[0010]
[Patent Document 1]
JP-A-2002-109219
[Patent Document 2]
JP 2001-306810 A
[Patent Document 3]
JP-A-2002-007706
[Patent Document 4]
JP 2002-117228 A
[Patent Document 5]
JP-A-2002-183444
[Patent Document 6]
JP-A-2002-092328
[Patent Document 7]
JP 2002-133104 A
[Patent Document 8]
JP 2001-338145 A
[0011]
[Problems to be solved by the invention]
However, the conventional technique described in Patent Document 8 discloses a technique in which a securities company lends itself, and is performed by a securities finance company that is a separate entity from the securities company and is a subject of the present invention. It is not intended for financing.
Therefore, although the system described in Patent Document 8 automates financing, etc., it is premised that an automatic system for each procedural process is provided in a securities company. Can not deal with.
That is, according to the technology of Patent Document 8, the securities financing company, which is separate from the securities company that is in contact with the customer, evaluates the securities, determines the loan amount based on the evaluation, and approves or rejects the loan, and responds to the shortage of collateral. Since it is not assumed that procedures will be processed, it cannot be directly applied to securities finance companies that are directly at risk due to bad debts.
In addition, the above technology does not have a system for automatically executing the notarization procedure, and the notarization procedure must be performed manually.
Further, since the processing of the above system is performed only by the securities company, the processing burdens the securities company.
[0012]
SUMMARY OF THE INVENTION The present invention has been made to solve the above-described problems, and the securities financing company automatically processes most of the procedures for contracts, financing, repayment, and additional deposit of secured loans, thereby enabling securities companies and securities financing companies. It is an object of the present invention to provide a securities-secured loan processing method and a system thereof that reduce the burden on the procedure of the company and reduce costs.
[0013]
[Means for Solving the Problems]
In order to solve the above-mentioned problem, the invention of claim 1 automatically performs, by a computer via a network, a procedure in which a securities financing company lends to a customer with security of a customer who is being kept in custody of the securities company as collateral. A method of processing a securities-secured loan to be processed, wherein a securities financing company sends an extreme lending contract to a customer when a contract application is received from the customer, and requests a security pledge of the customer's securities. Is sent to the securities company, and the computer of the securities company sets the collateral on the securities.The computer of the securities financing company receives the loan application based on the valuation value of the securities held. Loan approval / disapproval determination, loan processing to provide loan to customer based on the determination result, and transfer of loan repayment amount from client computer to securities financing company account Or the repayment process in which the repayment amount is transferred from the securities company's computer to the account from the proceeds of the sale of the collateral securities, and the computer of the securities financing company secures the collateral in consideration of the reduction in the valuation value of the collateral securities. A supplementary processing for calculating the shortage amount and collecting the security shortage amount is provided.
With this configuration, when the customer makes a contract application to the securities financing company, the contract processing is executed, and the securities financing company receives the contract application from the customer, sends an extreme loan method contract to the customer, A collateral request for the customer's securities is sent to the securities company, and the security is set up on the securities at the securities company's computer. Then, when the customer makes a loan application to the securities financing company, the loan processing is executed, the borrowing application is received by the computer of the securities financing company, and after the loan is approved or rejected based on the value of the collateral securities, A loan is made to the customer according to the result of the determination. The repayment process is achieved by transferring the repayment amount from the customer's computer to the account of the securities financing company, or by transferring the repayment amount from the proceeds of the sale of the collateral securities from the computer of the securities company to the account. . Further, by executing the additional proofing process, the decrease in the collateral value of the collateral securities is considered by the computer of the securities financing company, the collateral deficiency is calculated, and the collateral deficiency is collected.
[0014]
According to a second aspect of the present invention, in the method for processing a securities-secured loan according to the first aspect, the contract processing is performed by a computer of a securities financing company displaying various materials relating to a contract downloadable by a client computer. It was configured to have a process.
With this configuration, the customer can download various materials related to the contract stored in the computer of the securities financing company using the computer of the customer by executing the material display process of the contract processing.
[0015]
According to a third aspect of the present invention, in the method for processing a securities-secured loan according to the first or second aspect, the loan processing includes a borrowing accepting step in which a computer of a securities financing company accepts a borrowing application from a client computer. The computer of the securities financing company uses the lower of the extreme loan limit determined by the contract with the customer and the secured loan limit calculated by multiplying the valuation value of the securities held by the specified credit as the loan limit. Judge whether the borrowing amount of the borrowing application received in the borrowing application process is within the financing limit, and if the borrowing amount is within the financing limit, A loan decision process of sending a loan refusal notice to the customer's computer if it is not within the loan limit, and the computer of the securities financing company sends a loan approval notice in the loan decision process, It was configured to include the payment process of transfer money the deposit amount to the customer's account.
With this configuration, when a borrowing application is made from the customer's computer, a borrowing acceptance process of the loan process is executed, and the application is accepted by the computer of the securities financing company. By executing the loan determination process, the computer of the securities financing company determines whether or not the borrowed amount is within the loan limit. In that case, a loan denial notice is sent to the customer's computer. When the depositing process is executed, after the loan approval notification is transmitted, the borrowed amount is transferred to the customer's account by the computer of the securities financing company.
[0016]
Further, according to the invention of claim 4, in the securities-secured loan processing method according to claim 3, in the loan determination step, when the borrowing application in the borrowing acceptance process is an additional borrowing application, the additional borrowing amount and the borrowing amount are determined. It is configured to judge whether the total with the balance is within the loan limit.
With this configuration, when the customer makes an additional borrowing application, it is determined whether or not the sum of the additional borrowing amount and the borrowing balance is within the financing limit in the financing determination process.
[0017]
According to a fifth aspect of the present invention, in the method for processing a securities-secured loan according to the third or fourth aspect, when a purchase order for securities is made by a customer to a securities company, the purchase of the securities is performed. The computer of the securities financing company receives a loan application from the computer of the securities financing company and determines the financing, with the shortage of the purchase resulting from deducting the customer deposit from the price, and determines the loan. The configuration is such that the loan amount or the scheduled loan amount approved for the loan and the customer deposit can be used for the purchase order.
With this configuration, when a customer places an order to purchase securities from a securities company, a borrowing application in which the purchase shortfall resulting from deducting the customer deposit from the purchase price of the securities and the borrowing amount of the customer, Since the loan is received by the securities finance company's computer and the loan decision is made, the securities company shall use the amount of the borrowed money or the approved amount of borrowed money and the customer deposit as a reserve for the purchase order. Can be.
[0018]
Further, according to the invention of claim 6, in the method for processing a securities-secured loan according to claim 5, when a security order is sold together with a purchase order, the purchase price of the security is reduced to a customer deposit. The computer of the securities financing company receives a loan application from the computer of the securities financing company and determines the financing, with the borrowing amount being the purchase shortage resulting from deducting the proceeds from the sale of the collateral securities. In this configuration, the loan amount or the scheduled loan amount approved for the loan, the customer deposit, and the sale price can be used for the purchase order.
With this structure, when a customer sells a collateral securities, a borrowing application that uses the purchase shortfall resulting from subtracting the customer deposit and the sale price of the collateral securities from the purchase price of the securities as the customer's borrowing amount Is received by the securities financing company's computer and the financing decision is made, so that the securities company determines the amount of the borrowed money or the expected borrowing amount approved for the financing, the customer deposit and the sales price of the purchase order. It can be a reserve.
[0019]
According to a seventh aspect of the present invention, in the method for processing a securities-secured loan according to any one of the first to sixth aspects, the repayment process is performed by a computer of a securities financing company by a report on a sale order of the collateral securities and a report on the order. After receiving the sale price report from the securities company's computer and receiving the repayment application from the sale price from the customer's computer, the securities financing company's computer A repayment report process that sends the repayment amount calculated based on at least to the computer of the securities company, and the repayment amount of the repayment report process from the sale price to the computer of the securities company is transferred to the account of the securities finance company, And a repayment process for using the remaining balance as customer deposits.
With this configuration, when a customer places an order to sell collateral securities, a repayment application acceptance process is executed, and a report of the sale order of collateral securities and a report of the sale price are sent from the computer of the securities company to the computer of the securities finance company. The repayment application from the sale price is sent from the customer's computer to the computer of the securities finance company. Then, by executing the repayment amount reporting process, the repayment amount calculated by the computer of the securities financing company based on the borrowed balance of the customer is transmitted to at least the computer of the securities company. When the repayment process is executed, the repayment amount from the sale proceeds is transferred from the computer of the securities company to the account of the securities financing company, and the balance is used as the customer deposit of the securities company.
[0020]
Further, according to the invention of claim 8, in the securities-secured loan processing method according to claim 7, the repayment amount reporting step includes the step of: The structure is such that the shortfall in collateral is used for the repayment.
With this configuration, if there is a shortage of collateral generated by subtracting the collateral loan limit from the customer's borrowing balance, the shortage of collateral is used for the repayment.
[0021]
According to a ninth aspect of the present invention, in the method for processing a securities-secured loan according to the seventh or eighth aspect, the computer of the securities financing company performs the repayment by the computer of the securities financing company by the expiration date of the contract period of the contract. Judge whether or not all payments have been made, and if it is judged that all payments have been made, send an instruction to the securities company computer to cancel the contract and release the security, and When the judgment is made and the contract continuation request has not been received, a contract termination process of sending an instruction to sell the securities held to the securities company is provided.
With this configuration, when the contract termination process is executed, the computer of the securities financing company determines whether all the repayment has been paid by the expiration date of the contract period of the contract and determines that it has been fully repaid. If so, the contract is released and an instruction to release the security is sent to the securities company computer. If it is determined that the contract has not been fully repaid and the contract continuation request has not been received, an instruction to sell the securities held is sent to the securities company.
[0022]
According to a tenth aspect of the present invention, in the method for processing a securities-secured loan according to any one of the first to ninth aspects, the additional confirmation processing is performed by the computer of the securities financing company by the evaluation value of the current balance of the securities held. Calculates the ratio of the loan balance to the loan, and if this ratio is equal to or greater than the first reference ratio that is larger than the predetermined amount, the current balance of the securities held is subtracted from the value of the balance of the securities held at the time of the loan. A security shortage calculation process for finding the shortfall, a security shortage notification process in which the securities financing company informs the customer of the shortfall and the repayment deadline, and a loan for the customer when there is a repayment of the shortfall. And a shortfall repayment process for updating various balances.
With this configuration, the security shortage calculation process is executed, and the computer of the securities financing company calculates the ratio of the loan balance to the valuation value of the current security securities balance, and this ratio is larger than a predetermined multiplication factor. If the ratio is equal to or more than the reference ratio, a shortfall in collateral is obtained by subtracting the current balance of the securities held at the time of valuation of the balance of the securities held at the time of the loan. Then, the security deficiency notification process is executed, and the securities financing company notifies the customer of the security deficiency amount and the repayment date. Then, when there is a repayment of the collateral shortage amount from the customer, various balances related to the customer's loan are updated by executing the shortage repayment process.
[0023]
According to an eleventh aspect of the present invention, in the method for processing a securities-secured loan according to the tenth aspect, the shortfall repayment step is performed when the repayment of the shortfall is performed by receiving additional security to the securities company. If the securities financing company's computer updates the customer's balance of securities held based on the report on the additional collateral receipt from the securities firm, and the repayment of the collateral shortfall is made by selling the securities collateral. Confirms that the computer of the securities financing company has transferred the amount corresponding to the shortfall of collateral out of the proceeds from the computer of the securities company to the account of the securities financing company, and updates the borrowing balance of the customer. If the repayment of the collateral deficiency is made by direct transfer from the customer to the account of the securities finance company, the computer of the securities finance company updates the loan balance of the customer. It has a configuration that.
With this configuration, when the repayment of the collateral deficiency is made by receiving additional collateral to the securities company, based on the report on the additional collateral receipt from the securities company, the securities finance company's computer uses the computer of the securities finance company to The balance is updated. In addition, when the repayment of the collateral deficiency was made by selling the collateral securities, it was confirmed that the computer of the securities financing company transferred the amount equivalent to the collateral deficiency in the proceeds from the sale to the securities finance company's account. The borrowing balance of the customer is updated. Further, when the repayment of the collateral shortage is made by direct transfer from the customer to the account of the securities finance company, the computer of the securities finance company updates the loan balance of the customer.
[0024]
In particular, according to the invention of claim 12, in the securities-secured loan processing method according to claim 10 or 11, if the shortage amount of the security is not repaid within the repayment period, the securities financing company may Requests the securities company to sell the customer's collateral securities and confirms that the securities finance company's computer has transferred the proceeds of the securities securities securities from the securities company computer to the securities finance company's account. Thus, a first compulsory sale process for updating the borrowing balance of the customer was provided.
With this configuration, if the shortfall in collateral is not repaid within the repayment period, the securities financing company requests the securities company to sell the securities held by the customer. Then, when it is confirmed by the computer of the securities financing company that the proceeds of the sale of the securities held have been transferred to the account of the securities financing company, the borrowing balance of the customer is updated.
[0025]
According to a thirteenth aspect of the present invention, in the security-secured loan processing method according to the tenth or eleventh aspect, the ratio calculated in the security deficient amount calculation step is larger than the first reference ratio in the additional proofing process. If the ratio is equal to or greater than the second standard ratio, the customer is required to repay the entire borrowing amount regardless of the repayment date. A structure is provided in which a second compulsory sale process is provided in which the securities held are sold, the proceeds of the securities are transferred to the account of the securities finance company, and the computer of the securities finance company updates the borrowing balance of the customer.
With this configuration, the second compulsory sale process is executed when the ratio calculated in the security shortage calculation process is equal to or higher than the second reference ratio, which is larger than the first reference ratio, regardless of whether it is within the repayment period. The customer is charged for the full repayment of the loan amount. If the repayment is not made, the securities held by the customer are sold, the proceeds are transferred to the account of the securities financing company, and the borrowing balance of the customer is updated by the computer of the securities financing company.
[0026]
By the way, a system capable of specifically executing the securities-secured loan processing method also holds as a product invention. Therefore, the invention of claim 14 provides a securities-secured loan processing for processing, via a network, a procedure in which a securities financing company lends to a customer with a contract by using securities of a customer who is in custody of the securities company as security. A request page display means for displaying a page capable of transmitting a predetermined request from a customer terminal and a system of a securities company to a system of a securities finance company; a storage means for storing various information; When receiving the information of the security bond balance from the system of the company, the valuation value of the security bond balance indicated by the balance information is multiplied by a predetermined amount to calculate a security loan limit, and the security loan limit is calculated. Loan limit calculating means for storing the valuation value of the security securities outstanding in the storage means, and a loan limit in the storage means when a request for borrowing application is received from the customer terminal. If the lower limit of the loan amount and the extreme loan limit specified in the contract is the lower limit, determine whether the borrowing amount of the borrowing application is within the borrowing limit and if the borrowing amount is not within the borrowing limit A loan rejection notice to the customer terminal; and a loan decision means for sending a loan approval notice to the customer terminal when the borrowed amount is within the loan limit and transferring the borrowed amount to the customer account. The configuration was provided.
[0027]
According to a fifteenth aspect of the present invention, in the securities-secured loan processing system according to the fourteenth aspect, when the loan determination unit receives a request for additional borrowing application from a customer terminal, the borrowing balance in the storage unit and the borrowing balance are determined. It is configured to judge whether the sum of the additional borrowing amount is within the loan limit.
[0028]
According to a sixteenth aspect of the present invention, in the securities-secured loan processing system according to the fourteenth or fifteenth aspect, regarding the repayment of the borrowed amount, a sales order report of the securities held and a report of the sale price are received from the system of the securities company. And when a repayment request from the customer's terminal is received from the customer's terminal, the repayment information calculated based on the borrowed balance in the storage means is transmitted to at least the securities company system and the repayment of the repayment is confirmed. In such a case, repayment processing means for updating the loan balance and the borrowing balance of the customer is provided.
[0029]
According to a seventeenth aspect, in the securities-secured loan processing system according to the sixteenth aspect, the repayment processing means includes, when there is a shortage of collateral generated by subtracting a collateral financing limit from a borrowing balance of the customer, if there is a shortage of collateral. The amount is used for the repayment.
[0030]
The invention of claim 18 is the securities-secured loan processing system according to claim 16 or 17, wherein it is determined whether or not all repayments have been paid by the expiration date of the contract period of the contract, and the repayment amount is fully paid. If it is determined that the contract has been canceled, a request to cancel the contract and release the collateral is sent to the securities company system, and it is determined that the payment has not been fully repaid and the request for the contract continuation request has not been received Has a contract termination processing means for transmitting a request for sale of securities held in securities to a securities company system.
[0031]
According to a nineteenth aspect of the present invention, in the securities-secured loan processing system according to any one of the sixteenth to eighteenth aspects, the valuation value and the loan balance of the collateral securities currently stored in the storage means are stored. Read out and calculate the ratio of the loan balance to the valuation amount. If the ratio is equal to or greater than the first reference ratio which is larger than a predetermined credit, the current security value is calculated from the valuation value of the securities held at the time of financing. Subtract the securities balance to determine the amount of collateral deficiency, send the amount of collateral deficiency to the customer's terminal, and update the various balances related to the customer's loan when it is confirmed that the customer has repaid the collateral deficiency The additional provision processing means is provided.
[0032]
According to a twentieth aspect of the present invention, in the security-secured loan processing system according to the nineteenth aspect, when the additional security processing means receives the collateral securities balance information based on the receipt of additional collateral to the securities company, Updates the customer's collateral securities balance and stores it in the storage means, and also confirms the repayment of the collateral shortfall caused by the sale of the collateral securities or collateral by direct transfer from the customer to the account of a securities finance company When the repayment of the shortage is confirmed, the loan balance of the customer is updated and stored in the storage means.
[0033]
According to a twenty-first aspect of the present invention, in the securities-secured loan processing system according to the twentieth aspect, when it is confirmed that the shortfall amount of the collateral is not repaid within the repayment period, the securities company issues a request to sell the collateral holding securities. The first compulsory selling means for transmitting to the system of (1) is provided.
[0034]
According to a twenty-second aspect of the present invention, in the securities-secured loan processing system according to any one of the nineteenth to twenty-first aspects, the ratio calculated by the additional payment processing means is equal to or greater than a second reference ratio that is larger than the first reference ratio. If the repayment period is not reached, a notification is sent to the customer's terminal requesting the repayment of the entire borrowing amount, regardless of the repayment deadline. The second compulsory sale means for transmitting to the securities company system was provided.
[0035]
According to a twenty-third aspect of the present invention, in the securities-secured loan processing system according to any one of the fourteenth to twenty-second aspects, various materials related to the contract are displayed so as to be downloadable on a page displayed by the request page display means. did.
[0036]
According to a twenty-fourth aspect of the present invention, in the securities-secured loan processing system according to any one of the fourteenth to twenty-third aspects, information relating to security setting of securities by contract and other information are stored in a securities company system. And a storage means for transmitting the information on the balance of the securities held in the storage means to the system of the securities financing company, and when a request for a purchase order for the securities from the customer is received, the securities Subtract the customer deposit from the purchase price of the above to determine the purchase shortfall, send a request for a borrowing application with the purchase shortfall to the customer's borrowing amount to the securities finance company's system, and obtain the loan amount Alternatively, a financing process assisting means for using the scheduled borrowing amount approved for financing and the customer deposit for the purchase order is provided.
[0037]
According to a twenty-fifth aspect of the present invention, in the securities-secured loan processing system according to the twenty-fourth aspect, when the loan processing assisting means receives a request from a customer for sale of the collateral securities, the loan processing assistance means reduces the purchase price of the securities. The amount of the purchase shortfall is calculated by subtracting the deposit from the customer from the proceeds from the sale of the securities held, and a request for a borrowing application in which the purchase shortage is used as the borrowing amount of the customer is transmitted to the system of the securities financing company to provide the loan. The amount of borrowing or the estimated amount of borrowing approved for financing, customer deposits and proceeds from sales are used as reserves for purchase orders.
[0038]
According to a twenty-sixth aspect of the present invention, in the securities-secured loan processing system according to any one of the twenty-fourth to twenty-fifth aspects, the information of the repayment amount based on the repayment processing means of the securities financing company is received by the system of the securities company. In such a case, the repayment amount from the sale proceeds is transferred to an account of a securities financing company, and repayment processing assistance means for using the remaining balance as customer deposits is provided.
[0039]
According to a twenty-seventh aspect of the present invention, in the securities-secured loan processing system according to any one of the twenty-fourth to twenty-sixth aspects, when the repayment due to a shortage of collateral is performed by the receipt of additional collateral, If the balance of the securities held by the customer is updated and stored in the storage means, and the information on the balance of the securities held is transmitted to the system of the securities financing company, and if the repayment of the shortage of the collateral is made by selling the securities held, In addition, a supplementary payment processing auxiliary means for transferring an amount corresponding to the shortage of collateral out of the proceeds from the sale to an account of a securities finance company is provided.
[0040]
According to a twenty-eighth aspect of the present invention, in the securities-secured loan processing system according to any one of the twenty-first to twenty-seventh aspects, the supplementary processing assisting means is a first compulsory selling means or a second compulsory selling means of a securities financing company. When a request to sell securities held based on the above is received, the proceeds from the sale are transferred to the account of a securities finance company.
[0041]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a block diagram showing a securities-secured loan processing system according to an embodiment of the present invention.
In FIG. 1, reference numeral 1 denotes a securities-secured loan processing system, which is constructed by a securities financing company. The securities-secured loan processing system 1 is connected to a bank 9 via a bank connection system 8. Further, the securities-secured loan processing system 1 is connected to the securities company system 100 by a WAN (Wide Area Network) 300, and can directly transmit and receive information to and from the securities company system 100. Further, the securities-secured loan processing system 1 is also connected to an I-NET (Inter-Net) 301, so that a customer can access the securities-secured loan processing system 1 from the terminal 200.
[0042]
As shown in FIG. 1, the securities-secured loan processing system 1 includes a LAN (Local Area Network), a WEB server 2 as a request page display unit, and an application server 3 (referred to as “APL server” in FIG. 1). In this configuration, a database server 4 (in FIG. 1, referred to as a “DB server”), an electronic form creation server 5, and a business processing unit 6 are connected. It is connected to the WAN 300 and the I-NET 301. The business processing unit 6 is configured by a client personal computer or the like that can access the servers 2 to 5.
[0043]
The WEB server 2 displays a WEB page P1 in which various requests can be transmitted from the terminal 200 of the customer and the system 100 of the securities company.
FIG. 2 is a display diagram of the web page P1.
As shown in FIG. 2, the WEB page P1 has an application menu M1 and an inquiry menu M2. The application menu M1 includes a material application button m11, a contract application button m12, a security evaluation application button m13, a loan application button m14, a repayment application button m15,..., A security sale instruction button mn, and the like. Further, the inquiry menu M2 is provided with an inquiry button m21 for a loan limit, an inquiry button m22 for a loan balance, an inquiry button m23 for a security balance, an inquiry button mn for a repayment date, and the like.
Thus, for example, when a material application button m11 of the application menu M1 is clicked, various materials related to the contract such as a contract application form are opened and can be downloaded to the customer terminal 200. Further, for example, when the repayment application button m15 is clicked, as shown in FIG. 3, a repayment application page P2 having buttons t1, t2,..., Tn for selecting a repayment method and a repayment date is opened. I have.
[0044]
The application server 3 shown in FIG. 1 is a server that performs various processes related to financing.
FIG. 4 is a functional block diagram of the application server 3.
As shown in FIG. 4, the application server 3 includes a loan limit calculation unit 30, a loan determination unit 31, a repayment processing unit 32, a contract termination processing unit 33, a confirmation processing unit 34, and a contract processing unit 35. And Hereinafter, the units 30 to 35 will be described in order.
[0045]
The loan limit calculation unit 30 is a part that calculates the loan limit corresponding to the evaluation value of the security securities, and functions as shown in the flowchart of FIG.
That is, when the loan limit calculation unit 30 receives the balance information D1 of the securities held by the customer from the system 100 of the securities company shown in FIG. 1 via the WAN 300 (Yes in step S1 in FIG. 5), the market value of each brand is The information D2 is read from the database server 4, and the total market value (hereinafter referred to as “valuation value of the security securities balance”) of all issues in the security securities balance is obtained (step S2 in the figure). Then, it has a function of multiplying a preset value (for example, 60%) by the evaluation value of the security bond balance to obtain a collateral financing limit (step S3 in the figure). Further, the financing limit calculation unit 30 has a function of storing the evaluation value information D3 of the collateral securities and the financing limit information D4 in the database server 4 and transmitting the information to the securities company system 100 via the WAN 300. (Steps S4 and S5 in the figure). Such processing by the loan limit calculating unit 30 is executed periodically (for example, every day) or timely according to an instruction from a manager (not shown).
[0046]
The loan determination unit 31 shown in FIG. 4 is a part that determines whether or not a loan can be made for a borrowing application from a customer.
FIG. 6 is a flowchart illustrating the function of the loan determination unit 31.
When inputting the borrowing application request RQ1 (Yes in step S1 in FIG. 6), the loan determining unit 31 transmits the borrowing application form R1 created by the electronic form creation server 5 to the business processing unit 6 (step S2 in FIG. 6). . In parallel with this, the loan determination unit 31 reads out the secured loan limit information D4 and the extreme loan limit information D5 from the database server 4 (step S3 in FIG. 3). Then, the lower one of the secured loan limit indicated by the secured loan information D4 and the extreme loan limit indicated by the extreme loan information D5 is recognized as the loan limit (step S4 in the figure). Thereafter, it is determined whether or not the borrowing amount indicated by the borrowing application request RQ1 is within the financing limit (step S5 in the figure). If the borrowing amount is within the loan limit, the electronic form creation server 5 creates a loan approval notification R2 in accordance with an instruction from the business processing unit 6, and transmits the notification to the terminal 200 via the I-NET 301 (see FIG. (Yes in step S5 in the figure, S6). When the loan determination unit 31 receives a notification from the business processing unit 6 that the loan amount has been transferred to the customer account 90 of the bank 9 after transmitting the loan approval notification R2, the loan balance is determined, and the loan balance is determined. It has a function of storing the information D6 in the database server 4 and updating the secured financing limit information D4 and the valuation information D3 of the security securities balance (step S8 in the figure). Further, when the borrowing amount exceeds the loan limit, there is also a function of causing the electronic form creation server 5 to create a loan refusal notice R3 according to an instruction of the business processing unit 6 and transmitting the notice to the terminal 200 ( No, S7 in step S5 in FIG.
Therefore, the loan determining unit 31 and the business processing unit 6 constitute a loan determining unit.
[0047]
Further, when the additional borrowing application request RQ1 is input, the loan determining unit 31 reads out the borrowing balance information D7 of the customer from the database server 4, and indicates the additional borrowing amount indicated by the borrowing application request RQ1 and the borrowing balance information D7. It also has a function of determining whether the total with the borrowing balance is within the above-mentioned loan limit, and performing the same processing as described above according to the result.
[0048]
The repayment processing unit 32 shown in FIG. 4 is a part that calculates a scheduled repayment amount based on a repayment request from a customer and transmits the information.
Specifically, the repayment processing unit 32 causes the electronic form creation server 5 to create a monthly report R4 and a repayment date confirmation notice R5, transmits the monthly report R4 to the business processing unit 6, and It has a function of transmitting the date confirmation notice R5 to the customer terminal 200 via the I-NET 301.
Further, the repayment processing unit 32 stores the repayment date confirmation notification R5 in the WEB server 2 so that the customer can refer to the terminal 200 for the repayment date.
Furthermore, when receiving the repayment application request RQ2 from the customer terminal 200, the repayment processing unit 32 determines whether the repayment application request RQ2 requests a repayment application or a contract continuation request. Then, in the case of the repayment application, the repayment application request RQ2 transmits the repayment method and the repayment date information to the business processing unit 6.
[0049]
FIG. 7 is a flowchart illustrating the function of the repayment processing unit 32 for the repayment of the security sale.
When the repayment processing unit 32 receives the sale order / sale price report R6 on the securities held from the securities company system 100 and the repayment application request RQ2 from the sale price from the client terminal 200 (FIG. 7). (Yes in step S1 and Yes in S2), the repayment processing unit 32 reads out the borrowing balance information D7 and the secured financing limit information D4 of the customer from the database server 4 (step S3 in FIG. 3). Then, a calculation process of subtracting the secured financing limit indicated by the secured financing limit information D4 from the borrowed balance indicated by the borrowed balance information D7 is performed, and it is determined whether or not security deficiency has occurred (step S4 in the figure).
As a result of this calculation, if there is no shortage of collateral, the scheduled repayment amount is determined, the scheduled repayment amount notification R7 indicating the scheduled repayment amount is transmitted to the securities company system 100 via the WAN 300, and the I-NET 301 (No, S5, S6 in step S4 in FIG. 4).
At this time, the repayment processing unit 32 stores the scheduled repayment amount notification R7 in the WEB server 2 so that the customer's terminal 200 can refer to the scheduled repayment amount.
If there is a shortage of collateral, the shortage of collateral is applied from the proceeds from the sale of collateral to determine the scheduled repayment amount, and a scheduled repayment notice R7 indicating the scheduled repayment amount is sent to the securities company system 100 and the customer. (Steps S4, S7, S5, and S6 in FIG. 4).
Further, when the customer deposits the repayment amount into the account 91 of the securities financing company of the bank 9 and receives an instruction from the business processing unit 6 that has confirmed the payment, the repayment processing unit 32 updates the new loan balance in the database server 4. It also has a function of updating the information D6. At this time, the repayment processing unit 32 stores the loan balance information D6 in the WEB server 2 so that the customer can refer to the terminal 200 for the loan balance.
Therefore, the repayment processing unit 32 constitutes repayment processing means together with the business processing unit 6.
[0050]
The contract termination processing unit 33 shown in FIG. 4 is a part that performs processing of contract termination due to full repayment of the customer.
FIG. 8 is a flowchart illustrating the function of the contract termination processing unit 33.
The contract termination processing unit 33 checks the status of the transfer to the securities financing company account 91 of the bank 9 through the business processing unit 6, and the repayment amount is transferred from the customer to the securities financing company account 91 based on a built-in calendar (not shown). It is confirmed whether or not there is (step S1 in FIG. 8). At the same time, the loan balance information D6 and the borrowing balance information D7 are updated each time the money is transferred for a while, and it is determined based on the loan balance information D6 whether the full amount of the repayment has been paid by the expiration date of the contract period ( Steps S2 and S3 in FIG. Then, when it is determined that the payment has been fully repaid, it has a function of transmitting a release request RQ3 of the contract and the setting of the security right to the system 100 of the securities company via the WAN 300 (Yes in step S3 in the figure, S4). Further, when it is determined that the contract has not been fully repaid and there is no contract continuation request, the system also has a function of transmitting a security bond sale request RQ4 to the system 100 of the securities company (No. No in S5, S6).
[0051]
By the way, the contract termination processing unit 33 has a function of performing the following processing before transmitting such a security bond sale request RQ4.
The contract end processing unit 33 reads the borrowed balance information D7 from the database server 4, causes the electronic form creation server 5 to create an unpaid customer list L1 based on the borrowed balance information D7, and processes the unpaid customer list L1 for business processing. Transmit to the unit 6. Then, the business processing unit 6 processes the dunning notice R8 and the notice R9 for the unpaid customer. Then, in the event that the payment has not yet been completed, the security value sale request RQ4 is transmitted from the business processing unit 6 to the system 100 of the securities company.
Then, after transmitting the collateral securities sale request RQ4, the contract termination processor 33 confirms that the collateral sale price has been deposited in the securities financing company account 91 of the bank 9 by the business processor 6, and the database server server The borrowing balance information D7 in No. 4 is updated to the borrowing balance information D7 of the new borrowing balance obtained by subtracting the security sale price.
Therefore, the contract termination processing unit 33 constitutes a contract termination processing means together with the business processing unit 6.
[0052]
The additional proof processing unit 34 shown in FIG. 4 is a part for collecting a security deficiency in consideration of a decrease in the security value.
FIG. 9 is a block diagram of the verification processing unit 34.
As shown in FIG. 9, the additional proof processing unit 34 includes a basic processing unit 36, a first compulsory sale processing unit 37, and a second compulsory sale processing unit 38.
[0053]
FIG. 10 is a flowchart illustrating main functions of the basic processing unit 36.
The basic processing unit 36 reads out the securities bond balance information D1 and the loan balance information D6 from the database server 4 (step S1 in FIG. 10), and provides a loan for the evaluation value of the securities bond balance indicated by the bond securities balance information D1. The ratio (finance ratio) of the loan balance indicated by the balance information D6 is calculated. That is, the loan ratio is determined by dividing the loan balance by the evaluation amount (step S2 in the figure). Thereafter, the basic processing unit 36 determines whether or not the loan ratio is equal to or greater than a preset first reference ratio (for example, 70%) that is larger than a sum (for example, 60%) (step S3 in FIG. ). When the calculated loan ratio is larger than the first reference ratio, a function of deducting the current value of the securities securities balance at the time of financing from the value of the securities securities balance at the time of financing and setting the difference as a security shortage is provided. (Yes in step S3 in the figure, S4).
The basic processing unit 36 performs such arithmetic processing periodically (for example, every day) or at an appropriate time according to an instruction from a manager (not shown), and stores the loan ratio information D9 indicating the loan ratio in the database server 4 each time, and The shortage customer list L2 is created by the electronic form creation server 5 and transmitted to the business processing unit 6 (step S5 in the figure). As a result, a security shortage notification R10 indicating the security shortage is sent from the business processing unit 6 to the customer with the security shortage.
Therefore, the basic processing unit 36 and the business processing unit 6 constitute an additional verification processing unit.
[0054]
In addition, when the basic processing unit 36 receives, from the securities company system 100, the security information balance information D 1 based on the receipt of additional collateral to the securities company, the basic processing unit 36 stores the security value securities balance information D 1 in the database server 4. It has the function to do. Further, when the business processing unit 6 confirms the repayment of the shortfall amount due to the sale of the securities held in the securities financing company account 91 of the bank 9, the borrowing balance information D7 is updated according to the instruction of the business processing unit 6, It also has a function of storing in the database server 4. When the business processing unit 6 confirms the repayment of the collateral repayment by direct transfer from the customer to the securities financing company account 91 in the securities financing company account 91, the financing balance information D6 is changed according to the instruction of the business processing unit 6. Update and store in the database server 4.
[0055]
The first compulsory sale processing unit 37 shown in FIG. 9 is a unit that performs a sale process of the security securities when the shortfall amount of the security calculated by the basic processing unit 36 is not repaid within the repayment period.
Specifically, the first compulsory sale processing unit 37 reads out the loan balance information D6 and the security securities balance information D1 from the database server 4 after a predetermined period including the date of dispatch of the security shortage notice R10, and reads out these loans. Based on the balance information D6 and the security securities balance information D1, the electronic form creation server 5 creates an undersecurity request customer list L3 indicating the customers who have sent the undersecurity notification R10 and the undersecurity amount. The list L3 is transmitted to the business processing unit 6. Then, the business processing unit 6 processes the dunning notice R8 and the reminder R9 for the unpaid customer. Is transmitted to the system 100 of the securities company.
After the transmission of the security bond sale request RQ4, the first compulsory sale processing unit 37 executes the database server operation according to the instruction of the business processing unit 6 that has confirmed that the security sale price has been deposited in the securities financing company account 91 of the bank 9. The borrowing balance information D7 in No. 4 is updated to the borrowing balance information D7 of the new borrowing balance obtained by subtracting the security sale price.
Therefore, the first compulsory sale processing section 37 constitutes a first compulsory sale means together with the business processing section 6.
[0056]
The second compulsory sale processing unit 38 performs the same processing as the first compulsory sale processing unit 37 when the loan ratio becomes significantly larger than the first reference ratio (for example, 70%) which is the processing standard in the basic processing unit 36. Is the part that performs
Specifically, the loan ratio information D9 is read out from the database server 4 regularly or timely, and whether or not the loan ratio indicated by the loan ratio information D9 is equal to or greater than a preset second reference ratio (for example, 90%) Judge. When it is determined that the borrowing amount is equal to or more than the second reference ratio, a notification requesting full repayment of the borrowing amount is transmitted to the customer terminal 200 regardless of whether the repayment period is within. Then, when it is confirmed in the securities financing company account 91 of the bank 9 that the full repayment has not been made within the time limit, as in the case of the first compulsory sale processing section 37, the securities held in the securities held by the customer are held. It has a function of transmitting the sale request RQ4 to the system 100 of the securities company, and thereafter performing the same processing as the first compulsory sale processing unit 37.
Therefore, the second compulsory sale processing section 38 constitutes second compulsory sale means together with the business processing section 6.
[0057]
The contract processing unit 35 illustrated in FIG. 4 is a unit that performs processing related to a contract with the customer together with the business processing unit 6 when there is a contract application from a customer and an application for insertion of securities held in securities.
Specifically, when the business processing unit 6 receives the contract application form R11, the security collateral insert R12, etc., after the predetermined procedure is confirmed in the business processing unit 6, the contract security collateral insert R12 is confirmed. Is sent to the securities company. If the security collateral is not accepted by the securities company, the security collateral insert R12 is sent to the business processing unit 6, and the business processing unit 6 applies the security collateral insert R12 to the contract. Return to the customer together with the letter R11.
Also, when the pledged collateral is accepted, the pledge account setting information D11 is transmitted from the securities company system 100 to the contract processing unit 35, and the pledge account setting information D11 is transmitted to the contract processing unit 35. Is stored in the database server 4 and transmitted to the business processing unit 6. The business processing unit 6 creates customer account information D10 of the customer based on the pledge account setting information D11, stores the customer account information D10 in the database server 4, and extremely lends it via the electronic form creation server 5. A contract R13 of the system is created and sent to the customer.
[0058]
The database server 4 shown in FIG. 1 is a part for storing various information.
Specifically, the database server 4 has an area classified for each customer, and in each customer area, the above-mentioned securities securities balance information D1, market value information D2, valuation information D3, secured loan limit In addition to amount information D4, extreme loan limit information D5, loan balance information D6, borrowing balance information D7, loan ratio information D9, customer account information D10, history information such as borrowing and repayment are stored.
[0059]
As shown in FIG. 1, a system 100 connected to the securities-secured loan processing system 1 configured as described above via a WAN 300 includes a database 101 as a storage unit and a contract processing auxiliary unit 102 as a contract processing auxiliary unit. And a loan processing auxiliary unit 103 as a loan processing auxiliary unit, a repayment processing auxiliary unit 104 as a repayment processing auxiliary unit, and a verification processing auxiliary unit 105 as a verification processing auxiliary unit. It assists the contract processing, loan processing, repayment processing and additional proof processing performed by the securities-secured loan processing system 1.
[0060]
The database 101 is a part for storing various information transmitted and received in the system 100 or with the securities-secured loan processing system 1. The contract processing assisting unit 102 performs contract processing in the securities-secured loan processing system 1. This is an auxiliary part.
Specifically, upon receiving the securities collateral insertion document R12 from the contract processing unit 35 of the application server 3, the contract processing assistance unit 102 determines whether or not collateral insertion is possible. Then, when the pledged security is accepted, a security interest (pledge) is set on the security which is the custody of the customer. Thereafter, the contract processing assistance unit 102 has a function of storing the pledge account setting information D11 in the database 101 and transmitting the pledge account setting information D11 to the contract processing unit 35 of the application server 3.
[0061]
The loan processing assisting unit 103 transmits information necessary for processing in the securities-secured loan processing system 1 to the securities-secured loan processing system 1 to assist the loan processing of the securities-secured loan processing system 1 and to receive a request from a customer. This is the part that processes the purchase order.
Specifically, the financing processing assisting unit 103 has a function of transmitting the security value securities balance information D1 in the database 101 to the financing limit calculation unit 30 of the application server 3 every day via the WAN 300. Further, when the loan processing assisting unit 103 receives a purchase order for securities from the customer terminal 200 via the I-NET 301, the loan processing assistance unit 103 performs an operation of subtracting the customer's deposit from the purchase price of the securities related to this purchase order. . Then, in the case where the purchase shortage does not occur in this calculation, an instruction is made to purchase securities with the customer's deposit. When the purchase shortage occurs, the borrowing application request RQ1 with the purchase shortage as the borrowing amount is transmitted to the loan determination unit 31 of the application server 3. Then, after the borrowed amount is deposited from the securities financing company to the customer account 90 of the bank 9, when the borrowed amount is deposited from the customer to the bank account (not shown) of the securities company, the borrowed amount and the customer deposit Money and the purchase order allowance.
Further, when the loan order is received from the client terminal 200 at the time of the purchase order, the financing processing assisting unit 103 adds the sale price of the security bond and allocates the purchase order. Gold.
[0062]
The repayment assisting unit 104 assists the repayment in the securities-secured loan processing system 1.
Specifically, when the repayment processing auxiliary unit 104 receives a request to sell the securities held for repayment from the customer terminal 200 through the I-NET 301, the repayment processing auxiliary unit 104 sends the sales order / sale price report R6 to the repayment processing unit 32 of the application server 3. Has the function of transmitting to Then, when the scheduled repayment amount notification R7 is received from the repayment processing unit 32 through the WAN 300, the repayment amount is determined and transferred to the securities finance company account 91 of the bank 9. If there is a balance in the proceeds from the sale of the securities held after the repayment, the balance is deposited in the customer account 90 as a deposit.
[0063]
The additional proof processing assisting unit 105 assists the additional proof processing in the securities-secured loan processing system 1.
More specifically, upon receipt of the additional security receipt request RQ100 for additional security from the customer terminal 200, the additional security processing auxiliary unit 105 updates the security information balance information D1 and stores it in the database 101, It has a function of transmitting the security securities balance information D1 to the basic processing unit 36 of the confirmation processing unit 34 of the application server 3 through the WAN 300.
Further, upon receiving the collateral sale request request RQ101 for the collateral from the customer terminal 200, the supplementary deposit processing auxiliary unit 105 determines the amount corresponding to the collateral deficiency in the collateral shortage amount among the sale price of the collateral securities held by the customer. It also has the function of transferring money to nine securities finance company accounts 91.
Further, upon receipt of the collateral securities sales request RQ4 from the securities-secured loan processing system 1, the supplementary processing assistant 105 sells the collateral securities of the customer and sets the amount corresponding to the shortage of collateral to that of the bank 9. It also has a function of transferring money to a securities financing company account 91.
[0064]
Next, an example in which the securities-secured loan processing method of the present invention is specifically executed using the securities-secured loan processing system 1 will be described.
[0065]
FIG. 11 is a sequence diagram of the contract process.
If the customer wants to set a security on the securities that are kept in custody with the securities company and wants to receive a loan from the securities finance company, the contract processing shown in FIG. 11 is executed.
That is, when the customer accesses the WEB server 2 of the securities mortgage loan processing system 1 of the securities financing company from the terminal 200 via the I-NET 301 (active A1-A2 in FIG. 11), the WEB page P1 is opened (data display process). ). Then, the user clicks the buttons m11, m12, and m13 of the application menu M1, and downloads the contract application form R11, the securities collateral insert R12, and the like from the WEB server 2 (active A2-A1 in the figure).
Then, when the customer sends the contract application form R11 and the securities collateral insert document R12 to the business processing section 6 of the securities-secured loan processing system 1 (active A1-A3 in the figure), the document processing is performed by the business processing section. After the transaction is performed in step 6, the security deposit slip R12 is sent from the business processing unit 6 to the securities company, and prompts the securities company to set up a security (active A3-A4 in the figure).
Then, the contract processing assisting unit 102 of the securities company system 100 examines whether or not the security can be set, and if it is approved, the security right is set on the customer's securities. Then, the pledge account setting information D11 is stored in the database 101 and transmitted to the contract processing unit 35 of the application server 3 (active A4-A5 in the figure).
The pledge account setting information D11 is stored in the database server 4 of the securities-secured loan processing system 1 and transmitted from the contract processing unit 35 of the application server 3 to the business processing unit 6 (active A5-A6 in FIG. 3). The customer account information D10 is transmitted from the business processing unit 6 to the contract processing unit 35, and is stored in the database server 4 (active A6-A5 in the figure). Further, the contract R13 is sent from the business processing unit 6 to the customer (active A6-A7 in the figure).
As described above, the contract processing according to the securities-backed loan processing method of the present invention is executed.
[0066]
Accordingly, the customer can access the securities mortgage loan processing system 1 of the securities financing company from the terminal 200 and easily download the contract application form R11, the securities security insert R12, etc. from the WEB page P1. Therefore, it is not necessary to take these materials to a securities company. In addition, since the contract can be made with a single application procedure, there is no need to perform complicated complicated exchanges and seals between the customer and the securities company or between the customer and the securities finance company.
[0067]
FIG. 12 is a sequence diagram of the loan processing.
In the loan limit calculation unit 30 of the application server 3, the valuation value and the security limit of the security bond balance are based on the security securities balance information D1 transmitted from the loan processing assistance unit 103 of the securities company system 100. Is calculated periodically or timely, and the evaluation value information D3 and the secured loan amount information D4 are updated and stored in the database server 4 (active A11-A12 in FIG. 12). Then, the evaluation value information D3 and the secured loan amount information D4 are sent to the loan processing assisting unit 103 of the securities company system 100 and stored in the database 101 (active A12-A11 in the figure).
[0068]
In the above-described contract processing, when a customer who has signed a contract with a securities financing company receives a loan from the securities financing company, the terminal 200 accesses the WEB server 2 of the securities-secured loan processing system 1 and opens the WEB page P1. When the loan application button m14 is clicked from the application menu M1 displayed in (1) and the borrowing application request RQ1 is transmitted to the loan determining unit 31 of the application server 3 (active A13-A14 in the figure), the loan determining unit 31 performs a task. The borrowing application form R1 is transmitted to the processing unit 6 (active A14-A15 in the figure), and the borrowing acceptance process is executed.
In parallel with this, in the loan determination unit 31, based on the secured loan limit information D4 and the extreme loan limit information D5 read from the database server 4, the loan amount indicated by the loan application request RQ1 is determined by the loan limit. It is determined whether it is within. If the borrowing amount is within the loan limit, a loan approval notification R2 is transmitted to the terminal 200 (active A14-A13 in the figure), and a loan determination process is executed.
Thereafter, the borrowed money is paid from the business processing unit 6 to the customer account 90 of the bank 9 (active A16-A17 in the figure), and when the notification to that effect is transmitted from the business processing unit 6 to the loan determination unit 31, The balance information D6, the updated valuation information D3, and the secured financing limit information D4 are stored in the database server 4 (active A16-A18 in the figure).
If the borrowing application request RQ1 is an additional borrowing application, it is determined whether the sum of the borrowing balance information D7 read from the database server 4 and the borrowing amount is within the financing limit.
[0069]
By executing the above-described depositing process, the customer can purchase and order securities from the securities company based on the borrowed amount from the securities finance company (active A17-A19 in the figure).
The customer can make a purchase order from the terminal 200 to the loan processing auxiliary unit 103 of the securities company system 100 through the I-NET 301.
When the loan processing assistance unit 103 receives the purchase order from the customer terminal 200, the purchase price of the securities is subtracted from the customer deposit to purchase the securities. However, in the case where a shortfall in purchase occurs due to a shortage of customer deposits, the securities company receives a loan from the loan limit calculation unit 30 of the application server 3 with the purchase shortage as a borrowing amount. The borrowed amount can be used as the reserve for the purchase order (active A19-A20 in the figure).
At the time of the purchase order, the customer may request the securities company to sell the securities held in stock, and the sale price may be used for the purchase order.
[0070]
As described above, in the loan processing of this embodiment, when a borrowing application or an additional borrowing application is made from the customer terminal 200 to the securities-backed loan processing system 1 of the securities financing company, the borrowing is automatically performed. Therefore, unlike the case where a customer continues to obtain a loan at a securities company, there is no need to carry out a contract change procedure every time a loan is made.
In addition, even if a purchase shortage occurs when a customer purchases an order, the securities company can request a loan from a securities financing company and use the borrowed amount as a reserve for the purchase order. In addition, it is possible to proactively purchase securities with little time lag, high variability and high interest for customers without missing an opportunity. As a result, financing opportunities also increase for securities finance companies.
[0071]
In the financing process, the loan provided by the securities financing company to the customer is to be repaid from the customer to the securities financing company. In this case, the following repayment process is executed.
FIG. 13 is a sequence diagram of the repayment process.
As shown in FIG. 13, after the execution of the loan processing, the monthly report R4 is transmitted from the repayment processing unit 32 of the application server 3 of the securities-secured loan processing system 1 to the business processing unit 6 (active A21- of FIG. 13). A22), and a repayment date confirmation notification R5 is transmitted from the repayment processing unit 32 to the customer terminal 200 (active A21-A23 in the figure).
The customer can determine a repayment method based on the repayment date confirmation notice R5.
When the customer applies for repayment of the borrowed amount to the securities financing company, the customer accesses the WEB server 2 of the securities-secured loan processing system 1 and clicks the repayment application button m15 of the application menu M1 on the WEB page P1. Then, after clicking the buttons t1, t2, etc. on the page P2 shown in FIG. 3 and selecting the repayment method and the repayment date, the user presses the send button. For example, the user selects whether to divide the payment or collective repayment. If the repayment is not a contract continuation request, select “repayment application” and press the send button.
Then, the page P2 is transmitted to the repayment processing unit 32 of the application server 3 as the repayment method application request RQ2, and then transmitted to the business processing unit 6 (active A23-A24-A25 in the figure).
[0072]
When the customer makes repayment to the securities financing company by selling the securities held, the sales order is made from the terminal 200 to the repayment processing auxiliary unit 104 of the system 100 of the securities company (active A26-A27 in the figure). At the same time, it accesses the WEB server 2 of the securities-secured loan processing system 1 and transmits a repayment application request RQ2 from the sale price through the WEB page P1 (active A26-A28 in the figure). Thereby, a repayment application receiving process is executed.
That is, the sales order / sales price report R6 is transmitted from the repayment processing assistance unit 104 of the securities company that received the sales order to the repayment processing unit 32 of the application server 3 (active A27-A28 in FIG. 7). Then, the repayment amount reporting process is executed, and the scheduled repayment amount is determined by the above-described arithmetic processing. Then, the scheduled repayment amount notification R7 is transmitted to the customer's terminal 200 and the repayment processing assistance unit 104 of the securities company, and the transfer of the repayment amount is prompted (active A28-A26, A28-A29 in the figure).
Then, in the repayment processing assisting unit 104 of the securities company which has received the scheduled repayment amount notification R7, after accepting a withdrawal request from the customer (active A26-A29 in the figure), the repayment amount is extracted from the sale price. This repayment amount is deposited in the securities financing company account 91, and the repayment process is executed (active A29-A30 in the figure).
Thereafter, when the payment is confirmed in the business processing unit 6, the loan balance information D6 is updated in the repayment processing unit 32 of the application server 3 (active A30-A31-A32 in the figure).
Note that, even when the customer repayments by directly depositing money into the securities financing company account 91, the loan balance information D6 is updated after confirming the deposit (active A33-A30-A31-A32 in the figure).
[0073]
In parallel with the execution of the repayment process, a contract termination process is executed.
That is, in the contract termination processing unit 33 of the application server 3 of the securities-secured loan processing system 1, the repayment amount is continuously confirmed through the business processing unit 6, and when the full payment is confirmed, the security is released. The request RQ3 is transmitted from the contract termination processing unit 33 to the repayment processing assistance unit 104 of the securities company system 100, and the security company releases the setting of the security right. If the full amount has not been paid, a security deposit sale request RQ4 is transmitted to the securities company system 100 (active A32-A34 in the figure).
[0074]
By the way, a predetermined process is performed in the contract termination processing unit 33 of the application server 3 until the above-mentioned security bond sale request RQ4 is transmitted.
FIG. 14 is a sequence diagram illustrating a process of selling the security securities.
As shown in FIG. 14, the unpaid customer list L1 is transmitted from the contract termination processing unit 33 of the application server 3 of the securities-secured loan processing system 1 to the business processing unit 6 (active A35-A36 in FIG. 14), and the dunning notice is written. R8 and notice R9 are sequentially sent to unpaid customers (active A36-A37 in the figure). Then, when the security disposal period has come, a security bond sale request RQ4 is transmitted from the business processing unit 6 to the repayment processing auxiliary unit 104 of the system 100 of the securities company (Yes-A38-A39 of the active A36 in the figure).
Then, in the repayment processing auxiliary unit 104, the collateral sale processing is performed, and the contract termination processing unit 33 of the application server 3 confirms through the business processing unit 6 that the sale proceeds have been deposited in the securities financing company account 91. The borrowing balance information D7 is updated (active A39-A40-A41-A42 in the figure).
In addition, if the customer notifies the business processing unit 6 of the full repayment before sending the security bond sale request RQ4, the business processing unit 6 sends a request RQ3 for releasing the contract and the security right from the securities company. It is transmitted to the repayment processing assisting unit 104 (active A37-A38-A39 in the figure).
[0075]
As described above, according to the repayment process of this embodiment, the customer can perform the order for the sale of the collateral securities and the application for the repayment in one procedure, which not only simplifies the repayment procedure of the customer, but also Financial companies can also eliminate the risk of default. Further, when the customer has fully repaid the contract, the contract is canceled and an instruction to cancel the collateral setting is automatically sent to the securities company, so that the customer does not need to perform a troublesome cancellation procedure with the securities company.
[0076]
In the securities financing company, after the above-mentioned loan processing is executed, an additional proof processing is executed in order to prevent a loss due to a decrease in the evaluation value of the securities held.
FIG. 15 is a sequence diagram of the verification processing.
In the basic processing unit 36 of the confirmation processing unit 34 in the application server 3 of the securities-secured loan processing system 1, when the security shortage calculation process is periodically or timely executed, and the loan ratio is larger than the first reference ratio. Then, the security shortage is calculated as described above.
Then, when a security shortage occurs, the customer list L2 of the security shortage is transmitted from the basic processing unit 36 to the business processing unit 6 (active A51-A52 in FIG. 15), and the security shortage notification R10 is sent to the business processing unit 6 Is sent to the customer to execute a security shortage notifying process (active A52-A53 in the figure).
The customer who has received the security shortage notice R10 can secure the collateral by one of the following methods: receiving additional collateral (active A54 in the figure), requesting the sale of collateral (active A57 in the figure), and inputting own funds (active A62 in the figure). The shortage can be resolved, and the shortage repayment process is performed by such a procedure.
[0077]
If the customer wants to eliminate the shortage of collateral due to the receipt of additional collateral, a request RQ100 for additional collateral receipt is transmitted from the terminal 200 to the additional verification processing assisting unit 105 of the securities company system 100 (active A54-A55 in the figure). . Then, after the collateral processing securities balance information D1 is updated in the collateral processing assistance unit 105, the collateral securities securities balance information D1 is transmitted to the basic processing unit 36 of the collateral processing unit 34, and the security in the database server 4 is The securities balance information D1 is updated to the new security securities balance information D1 (active A55-A56 in the figure).
[0078]
If the customer wants to eliminate the shortage of collateral by selling the collateral, the client 200 sends a collateral sale request request RQ101 from the terminal 200 to the additional registration processing assisting unit 105 of the securities company (active A57-A58 in the figure).
Then, the additional deposit processing assisting unit 105 deposits the shortage of collateral into the securities financing company account 91 from the sale price of the collateral securities (active A58-A59 in the figure). Then, when the business processing unit 6 confirms the payment, the borrowed balance information D7 is updated in accordance with the instruction of the business processing unit 6 (active A59-A60-A61 in the figure).
[0079]
When the customer solves the shortage of collateral with his own funds, the customer directly deposits the shortage of collateral into the securities financing company account 91 (active A62-A63 in the figure). Then, the payment is confirmed in the business processing unit 6, and the loan balance information D6 is updated according to the instruction of the business processing unit 6 (A63-A64-A65).
[0080]
If the shortage of collateral is not repaid by the customer to the securities company within the repayment period, a first compulsory sale process is executed.
FIG. 16 is a sequence diagram of the first compulsory sale process.
When the insufficient security notice R10 is sent to the customer as described above, the first compulsory sale processing section 37 of the additional proof processing section 34 of the application server 3 creates the insufficient security request customer list L3, and the business processing section 6 (Active A71-A72 in FIG. 16). Then, the reminder letter R8 and the reminder letter R9 are sequentially sent from the business processing unit 6 to the customer (active A72-A73 in the figure). It is transmitted to the verification processing auxiliary unit 105 of the system 100 (A72-A75).
Then, the collateral sales processing is performed in the additional deposit processing auxiliary unit 105, and the first compulsory sale processing unit 37 of the additional deposit processing unit 34 notifies the business processing unit that the sale price has been deposited into the securities financing company account 91. 6, the borrowing balance information D7 is updated (active A75-A76-A77-A78 in the figure).
When the customer notifies the business processing unit 6 that the security shortage has been resolved (active A73-A72 in the figure), the improvement of the additional verification is confirmed by the business processing unit 6, and the business processing unit 6 issues an instruction. The security information balance information D1 and the loan balance information D6 are updated in the basic processing unit 36 of the additional confirmation processing unit 34 (active A72-A74 in the figure).
[0081]
By the way, if the loan ratio is found to be larger than the second reference ratio while the basic processing unit 36 of the additional processing unit 34 is executing the security shortage calculation process, the second compulsory sale process described above is executed. This is executed by the second compulsory sale processing unit 38.
[0082]
As described above, since the securities mortgage loan processing system 1 of the securities financing company automatically makes a demand for additional proof of security shortage, there is no need for the securities company to perform additional proof procedures. Also, when a request for additional collateral is received from the customer in the securities company system 100, the securities-secured loan processing system 1 of the securities finance company automatically performs most of the procedures. It can be expected to simplify the security receipt procedure.
[0083]
In other words, according to the securities-secured loan processing system of this embodiment, most of the procedures of contract, loan, repayment, and proof can be performed by the securities-secured loan processing system 1 of the securities financing company. Due to such factors, the number of cases directly taking risks is extremely reduced. For securities companies, the risk is drastically reduced. In addition, since the securities-secured loan processing system 1 and the system 100 of the securities company perform each processing almost automatically, it is possible to improve paperlessness, simplify the procedure, and reduce the operation cost. it can. Since the processing is performed via a network such as the WAN 300 or the I-NET 301, the convenience is high for the customer.
[0084]
Note that the present invention is not limited to the above embodiment, and various changes and modifications can be made within the scope of the invention.
For example, in the above embodiment, when a purchase shortage occurs at the time of a purchase order, the securities company makes a borrowing application to the securities financing company, and after the borrowed amount is deposited into the customer account 90 from the securities financing company, The received borrowing amount was replenished as a reserve for the purchase order, but is not limited thereto. The securities company buys the expected borrowing amount simultaneously with the application for borrowing to the securities financing company or when it receives a loan approval from the securities financing company, that is, before the borrowed amount is deposited into the customer account 90. It can also be used as a reserve for attached orders. As a result, the time lag between the purchase order and the purchase shortage can be further reduced.
[0085]
【The invention's effect】
As described above in detail, according to the invention of claim 1, since most of the processing of each procedure is performed by the securities finance company, it is safe for the securities finance company that directly bears the risk due to bad debt. The risk is also reduced for securities companies. In addition, since each procedure is automatically processed, the risk of the securities financing company can be reduced. In addition, because computers and networks are being automated and paperless, securities firms need to perform procedures between customers and securities firms and between securities firms and securities finance firms in writing using both telephone and fax. And the procedure can be simplified and speeded up. In particular, since the very cumbersome procedure of giving and receiving document forms is not required between the securities company and the securities financing company, it is possible to reduce processing system load costs and administrative costs, thereby improving business profitability. . In addition, the procedure via the network is not only highly convenient for the customer, but also can eliminate complicated and wasteful business processing between the customer and the securities company or securities financing company. Can be reduced.
[0086]
Further, according to the inventions of claims 2 and 23, since various materials relating to the contract can be downloaded by the customer's computer, there is no need for the customer to go to the store of the securities company and acquire the materials. In addition, since a contract can be made by applying once to a securities financing company, at the time of the contract, frequent borrowing applications and receipts are written in writing between the customer and the securities company or between the customer and the securities financing company. There is no need to give or receive or seal, which is very convenient for customers.
[0087]
According to the third, fourth, fourteenth, and fifteenth aspects of the invention, when a borrowing application or an additional borrowing application is made from a customer's computer, a borrowing acceptance process of a loan process is executed, and the application is made by a securities financing company. Unlike the case where a client continues to obtain a loan at a securities company, there is no need to change the contract each time the customer borrows. As a result, the customer is relieved of the stamp duty burden associated with the issuance of the certificate. Further, it is possible to improve the determination of the loan amount to the customer and the execution speed of the loan in the securities company.
[0088]
According to the fifth, sixth, fourth and twenty-fourth aspects of the present invention, the loan amount or the scheduled borrowing amount approved for the loan and the customer deposit or sale price are allocated to the purchase order. Since it is gold, the loan procedure and the securities purchase procedure are performed almost simultaneously, and as a result, the procedure can be omitted. Further, since there is almost no time lag as described above, it is possible to proactively purchase securities with high variability and great interest for customers without missing an opportunity. As a result, financing opportunities also increase for securities financing companies, which can lead to business improvement.
[0089]
Further, according to the inventions of claims 7, 16 and 26, the customer can perform the order for the sale of the securities and the application for repayment in one procedure, and furthermore, using the computer. , Customer procedures are simplified. In addition, since there is no situation in which the repayment of the loan is delayed while the customer is making a profit, the risk of a default of the securities financing company can be eliminated. In addition, if there is a sales order, the securities company only needs to send the sale order report of the collateral securities and the sale price report from the computer of the securities company to the computer of the securities financing company. It is not necessary for the salesperson to confirm the reason for sale and the like each time a sale order is made, and as a result, it is possible to simplify the order check at the time of sale.
[0090]
Further, according to the invention of claim 8 and claim 17, the shortage of collateral is applied to the repayment amount, so that the shortage of collateral can be surely resolved.
[0091]
According to the inventions of claims 9 and 18, when the customer has fully repaid the contract, the contract is canceled and an instruction to cancel the setting of the security is sent to the computer of the securities company. You can have the security removed without having to go through the troublesome cancellation procedure.
[0092]
According to the invention of claims 10 to 13, claim 19 to claim 22, claim 27 and claim 28, the securities financing company makes an additional demand for collateral deficiency. The burden can be eliminated. In addition, it is possible to prevent collateral cracking or the like in advance.
[0093]
In particular, according to the inventions of claims 11, 20, and 27, it is possible to expect simplification of the stocking procedure of the securities held in the securities company.
[Brief description of the drawings]
FIG. 1 is a block diagram showing a securities-secured loan processing system according to an embodiment of the present invention.
FIG. 2 is a display diagram of a web page.
FIG. 3 is a display diagram showing an example of a repayment application page.
FIG. 4 is a functional block diagram of an application server.
FIG. 5 is a flowchart showing functions of a loan limit calculating unit.
FIG. 6 is a flowchart illustrating functions of a loan determination unit.
FIG. 7 is a flowchart illustrating functions of a repayment processing unit for collateral sale repayment.
FIG. 8 is a flowchart illustrating functions of a contract termination processing unit.
FIG. 9 is a block diagram of a confirmation processing unit.
FIG. 10 is a flowchart illustrating main functions of a basic processing unit.
FIG. 11 is a sequence diagram of a contract process.
FIG. 12 is a sequence diagram of a loan process.
FIG. 13 is a sequence diagram of a repayment process.
FIG. 14 is a sequence diagram illustrating a process of selling a security bond.
FIG. 15 is a sequence diagram of an additional verification process.
FIG. 16 is a sequence diagram of a first compulsory sale process.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 ... Securities-secured loan processing system, 2 ... WEB server, 3 ... Application server, 4 ... Database server, 5 ... Electronic form creation server, 8 ... Integrated online system, 30 ... Loan limit calculation unit, 31 ... Loan judgment unit , 32: repayment processing section, 33: contract termination processing section, 34: confirmation processing section, 35: contract processing section, 36: basic processing section, 37: first compulsory sales processing section, 38: second compulsory sales processing section Reference numeral 100: Securities company system 101: Database 102: Contract processing auxiliary unit 103: Loan processing auxiliary unit 104: Repayment processing auxiliary unit 105: Confirmation processing auxiliary unit 200: Terminal 300: WAN 301 ... I-NET, D1 ... Balanced securities balance information, D2 ... Market value information, D3 ... Evaluation value information, D4 ... Collateral loan limit information, D5 ... Extreme loan limit Information, D6: Loan balance information, D7: Loan balance information, D9: Loan ratio information, D10: Customer account information, D11: Pledge account setting information, P1: WEB page, P2: Repayment application page, R1: Borrow application R2: Loan approval notification, R3: Loan rejection notification, R4: Monthly report, R5: Repayment date confirmation notification, R6: Sale order / sale price report, R7: Scheduled repayment amount notification, R8: Dunning notice, R9 ... Notice, R10: Notice of lack of security, R11: Application form, R12: Deposit of security collateral, R13: Contract, RQ1: Request for borrowing application, RQ2: Request for repayment, RQ3: Request to release security right setting, RQ4: Collateral holding securities sale request, L1: Unpaid customer list, L2: Customer list, L3: Collateral shortage claiming customer list.

Claims

A securities-secured loan processing method for automatically processing a procedure by which a securities financing company lends a customer to a customer using securities of a customer who has been kept in custody by a securities company via a network,
Upon receiving a contract application from the customer, the securities financing company sends an extreme lending contract to the customer and sends a request for collateral for securities of the customer to the securities company. A contract process for causing a computer to set collateral on the securities;
When the computer of the securities financing company receives the borrowing application, makes a loan approval / disapproval judgment based on the valuation value of the securities held, and provides a loan to the customer according to the judgment result,
A repayment process in which the repayment amount for the loan is transferred from the client's computer to the securities finance company account, or the repayment amount is transferred from the securities company computer to the account from the sale price of the securities held. ,
A security financing loan, wherein the computer of the securities financing company calculates a security shortfall in consideration of a decrease in the valuation value of the collateral securities, and an additional proof processing for collecting the security shortfall. Processing method.

The method for processing a securities-secured loan according to claim 1,
The above contract processing is
The computer of the securities financing company comprises a material display step of displaying various materials related to the contract downloadable by the computer of the customer.
A securities-secured loan processing method characterized by the above-mentioned.

In the method for processing a securities-secured loan according to claim 1 or 2,
The above loan processing
A borrowing acceptance process in which the computer of the securities finance company accepts a borrowing application from the customer's computer;
The computer of the securities financing company finances the lower limit of the extreme loan limit specified in the contract with the customer and the secured loan limit calculated by multiplying the valuation value of the securities held by the customer by a predetermined amount. As a limit, it is determined whether the borrowing amount of the borrowing application received in the borrowing application process is within the financing limit, and if the borrowing amount is within the financing limit, a loan approval notification is issued, A loan determining step of transmitting a loan refusal notice to the customer's computer if the amount is not within the loan limit;
A method of processing a securities-secured loan, wherein the computer of the securities financing company includes a depositing step of transferring the borrowing amount to the customer's account after transmitting a loan approval notice in the financing determination step.

The method for processing a securities-secured loan according to claim 3,
The loan decision process above
When the borrowing application in the borrowing acceptance process is an additional borrowing application, it is to determine whether or not the sum of the additional borrowing amount and the borrowing balance is within the financing limit.
A securities-secured loan processing method characterized by the above-mentioned.

In the method for processing a securities-secured loan according to claim 3 or claim 4,
When a purchase order for securities is made by the above-mentioned securities company to the above-mentioned securities company, a borrowing application in which the purchase deficiency resulting from deducting the customer deposit from the purchase price of the said securities and the borrowing amount of the said customer, The computer of the securities financing company receives a loan from the computer of the securities company and determines a loan, so that the securities company purchases the amount of the borrowed money or the scheduled borrowing amount approved for the loan and the customer deposit. Allow the order to be funded,
A securities-secured loan processing method characterized by the above-mentioned.

The method for processing a securities-secured loan according to claim 5,
If there is a sale of the collateral securities along with the purchase order, the borrowing amount is the purchase shortfall resulting from subtracting the customer deposit and the sale price of the collateral securities from the purchase price of the securities. The computer of the securities financing company receives a loan application from the computer of the securities company and determines a loan, so that the securities company has the amount of borrowed money or the estimated amount of borrowing approved for financing and customer deposits. And the sale price can be used as a reserve for the purchase order,
A securities-secured loan processing method characterized by the above-mentioned.

The method for processing a securities-secured loan according to any one of claims 1 to 6,
The above repayment process
A computer for the securities financing company accepting a sale order report of the securities held and a report of the sale price from the computer of the securities company, and a repayment application receiving process of accepting a refund application from the sale price from the computer of the customer;
The computer of the securities financing company, after executing the repayment application receiving step, a repayment amount reporting step of transmitting at least the repayment amount calculated based on the borrowing balance of the customer to the computer of the securities company,
The securities company computer has a repayment process of transferring the repayment amount of the repayment amount reporting process from the sale price to the account of the securities financing company and making the remaining balance a customer deposit. Security loan processing method.

The method for processing a securities-secured loan according to claim 7,
The repayment reporting process described above
If there is a collateral deficiency resulting from subtracting the collateral lending limit from the customer's borrowing balance, the collateral deficiency is applied to the repayment amount.
A securities-secured loan processing method characterized by the above-mentioned.

The method for processing a securities-secured loan according to claim 7 or 8,
In the above repayment process,
The computer of the securities financing company determines whether all of the repayment has been paid by the expiration date of the contract, and if it is determined that the repayment has been completed, cancels the contract and secures the security. To the computer of the securities company above, and if it is determined that the payment has not been fully repaid and the contract continuation request has not been received, an instruction to sell the above securities is issued to the securities company. We set a contract termination process to send,
A securities-secured loan processing method characterized by the above-mentioned.

The method for processing a securities-secured loan according to any one of claims 1 to 9,
The above additional verification process,
The computer of the securities financing company calculates the ratio of the loan balance to the valuation value of the security securities held at the present time. A collateral deficiency calculation process for obtaining the deficiency in collateral by subtracting the current collateral holding value balance from the valuation of the security balance;
A security deficiency notification process for notifying the customer of the security deficiency and the repayment date from the securities financing company,
And a shortfall repayment step of updating various balances related to the loan of the customer when the shortfall of the security is repaid from the customer.

The method for processing a securities-secured loan according to claim 10,
The shortfall repayment process described above
If the repayment of the collateral deficiency is made by receiving additional collateral to the securities company, the computer of the securities financing company will use the computer of the securities financing company based on the report on the additional security receipt from the securities company. If the security balance is updated and the repayment of the above-mentioned collateral deficits is made by selling the collateral securities, the computer of the securities financing company will calculate the amount equivalent to the above-mentioned collateral deficiency in the proceeds from the sale. Is confirmed to have been transferred from the computer of the securities company to the account of the securities finance company, the borrowing balance of the customer is updated, and the repayment of the collateral deficiency is transferred from the customer to the account of the securities finance company. If made by direct transfer to, the securities financing company's computer updates the customer's loan balance,
A securities-secured loan processing method characterized by the above-mentioned.

In the method for processing a securities-secured loan according to claim 10 or 11,
In the above verification process,
If the shortfall in collateral is not repaid within the repayment period, the securities financing company requests the securities company to sell the securities held by the customer, and the computer of the securities finance company sells the securities. After confirming that the money was transferred from the securities company's computer to the securities finance company's account, a first compulsory sale process for updating the customer's borrowing balance was established.
A securities-secured loan processing method characterized by the above-mentioned.

In the method for processing a securities-secured loan according to claim 10 or 11,
In the above verification process,
If the ratio calculated in the security shortage calculation process is equal to or higher than a second reference ratio that is larger than the first reference ratio, the customer is required to repay the full amount of the borrowed money regardless of the repayment period. If the repayment is not made, the securities company's computer is made to sell the securities held by the customer and the proceeds are transferred to the securities finance company's account. A second compulsory sale process in which the computer updates the customer's borrowed balance.
A securities-secured loan processing method characterized by the above-mentioned.

A securities-secured loan processing system for processing, via a network, a procedure in which a securities financing company provides a loan to a customer under a contract with securities of a customer who has been kept in custody by a securities company,
In the system of the above securities finance company,
Request page display means for displaying a page capable of transmitting a predetermined request from the client terminal and the system of the securities company;
Storage means for storing various information;
When the information on the securities securities balance is received from the securities company system, the valuation value of the securities securities balance indicated by the balance information is multiplied by a predetermined amount to calculate a security loan limit, and the security loan limit is calculated. Loan limit calculating means for storing the amount and the valuation value of the security securities outstanding in the storage means,
When a request for a borrowing application is received from the terminal of the customer, the lower limit of the collateral financing limit in the storage means and the extreme lending limit specified in the contract is set as the financing limit, and Judge whether the borrowing amount is within the financing limit, and if the borrowing amount is not within the financing limit, send a loan rejection notification to the customer's terminal, and if the borrowing amount is within the financing limit And a loan judging means for transmitting a loan approval notice to the customer terminal and transferring the borrowed amount to the customer account.

The securities-secured loan processing system according to claim 14,
The financing determination means, when receiving a request for an additional borrowing application from the customer terminal, determines whether or not the sum of the borrowing balance in the storage means and the additional borrowing amount is within the financing limit. Is,
A securities-secured loan processing system, characterized in that:

In the securities-secured loan processing system according to claim 14 or claim 15,
Regarding the repayment of the borrowing amount, when the sales order report and the sale price report of the collateral securities are received from the securities company system and a repayment application request from the sale price is received from the customer terminal, Repayment processing means for transmitting at least the information of the repayment amount calculated based on the borrowing balance to the system of the securities company, and updating the customer's loan balance and borrowing balance when the repayment of the repayment amount is confirmed. ,
A securities-secured loan processing system, characterized in that:

The securities-secured loan processing system according to claim 16,
The repayment processing means, if there is a shortfall in collateral generated by subtracting the collateral financing limit from the loan balance of the customer, applies the shortfall in collateral to the repayment amount.
A securities-secured loan processing system, characterized in that:

In the securities-secured loan processing system according to claim 16 or claim 17,
By the expiration date of the contract period of the contract, it is determined whether all of the above repayments have been paid, and if it is determined that the full repayment has been made, a request to release the contract and release the setting of collateral is issued by the securities company. A contract termination processing means for transmitting to the system of the securities company, transmitting to the system of the securities company, transmitting the request for sale of the collateral securities to the system when it is determined that the contract has not been fully repaid and the request for the contract continuation request has not been received; Established,
A securities-secured loan processing system, characterized in that:

The securities-secured loan processing system according to any one of claims 16 to 18,
The present evaluation value of the outstanding securities and the loan balance stored in the storage means are read out, and the ratio of the loan balance to the evaluation value is calculated. If the ratio is equal to or more than the ratio, the current security value balance is deducted from the valuation value of the security value balance at the time of the loan to obtain the security shortage amount, and the security shortage amount is transmitted to the above customer terminal, When it is confirmed that the shortage of collateral has been repaid, the additional payment processing means for updating various balances related to the loan of the customer is provided.
A securities-secured loan processing system, characterized in that:

The securities-secured loan processing system according to claim 19,
The supplementary processing means updates the collateral securities balance of the customer and stores it in the storage means when the collateral securities information based on the receipt of additional collateral to the securities company is received. When the repayment of the shortfall of collateral made by the sale of securities or the repayment of the shortfall of collateral by direct transfer from the customer to the account of the securities financing company is confirmed, the loan balance of the customer is updated. Stored in the storage means,
A securities-secured loan processing system, characterized in that:

The securities-secured loan processing system according to claim 20,
A first compulsory selling means for sending a request for sale of the customer's collateral securities to a securities company system when it is confirmed that the shortfall in collateral is not repaid within the repayment period;
A securities-secured loan processing system, characterized in that:

The securities-secured loan processing system according to any one of claims 19 to 21,
If the ratio calculated by the additional confirmation processing means is equal to or greater than a second reference ratio that is larger than the first reference ratio, a notification requesting full repayment of the borrowed amount is sent to the customer regardless of whether the repayment period is within. A second compulsory selling means for sending to the terminal, and when the repayment is not confirmed, sending a request for sale of the securities held by the customer to the system of the securities company;
A securities-secured loan processing system, characterized in that:

The securities-secured loan processing system according to any one of claims 14 to 22,
Various materials related to the above contract were displayed in a downloadable manner on the page displayed by the request page display means,
A securities-secured loan processing system, characterized in that:

The securities-secured loan processing system according to any one of claims 14 to 23,
In the system of the above securities company,
Storage means for storing information relating to the security setting of securities by the contract and other information;
Transmits the information of the balance of securities held in the storage means to the system of the securities financing company, and, when receiving a request for a purchase order for securities from the customer, purchases the securities. Deduct the customer's deposit from the price to determine the purchase shortfall, send a request for borrowing application with the purchase shortage to the customer's borrowing amount to the securities finance company's system, and obtain the loan amount or loan And a loan processing assisting means for using the approved estimated borrowing amount and the customer deposit for the purchase order.
A securities-secured loan processing system, characterized in that:

The securities-secured loan processing system according to claim 24,
The loan processing assistance means, upon receiving a request from the customer for sale of the securities held, deducts the customer deposit and the sale price of the securities held from the purchase price of the securities to obtain the purchase shortfall. And sends a loan application request to the securities financing company's system with the purchase shortage as the customer's borrowing amount, and the borrowed amount or the scheduled borrowing amount approved for the loan, the customer's deposit and the sale price. And the reserve of the purchase order.
A securities-secured loan processing system, characterized in that:

The securities-secured loan processing system according to any one of claims 24 to 25,
In the system of the above securities company,
When receiving the information on the repayment amount based on the repayment processing means of the securities financing company, transfer the repayment amount from the sales proceeds to the account of the securities financing company, and repay the remaining amount as customer deposit With auxiliary means,
A securities-secured loan processing system, characterized in that:

The securities-secured loan processing system according to any one of claims 24 to 26,
In the system of the above securities company,
When the repayment due to the shortage of collateral is performed by receiving additional collateral, the balance of the securities held by the customer is updated and stored in the storage means, and the information on the balance of securities held is transmitted to the system of the securities finance company, If the repayment of the collateral deficiency was made by the sale of the collateral securities, the above-mentioned auxiliary verification processing auxiliary means for transferring the amount equivalent to the collateral deficiency of the proceeds from the sale to the account of the securities financing company was provided.
A securities-secured loan processing system, characterized in that:

The securities-secured loan processing system according to any one of claims 21 to 27,
The above-mentioned additional verification processing auxiliary means,
Upon receiving a request to sell the securities held based on the first compulsory sale means or the second compulsory sale means of the securities financing company, transfer the proceeds to the securities finance company's account;
A securities-secured loan processing system, characterized in that: