JP2006107427A - Credit line output system, credit line transmission system, and credit line setting system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a credit line calculation method and a credit line calculation system for calculating a credit line in association with a deposit result of accounts receivable without periodically reporting details of the accounts receivable and allowing acceptance of accounts receivable, to which a nonnegotiable special contract and the like is attached, as a target. <P>SOLUTION: Transfer information asked by a customer via an ATM 20 or an EB system 12 is written in account information for a deposit account at a loan customer of an account file 13. A credit line calculation system 14 is actuated in predetermined timing such as once a month to carry out processing for calculating a credit line for the loan customer. In calculation of the credit line, deposit information for the deposit account of the loan customer is read from the account file 13 for calculating a deposit total sum during an objective term. The total sum is calculated for each transfer requester, and if the total sum exceeds a predetermined rate, it is determined as a special deposit and an upper limit amount is adjusted. Based on the deposit total sum after the adjustment, the credit line is calculated. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  TECHNICAL FIELD The present invention relates to a loan limit calculation method and a loan limit calculation system for calculating a loan limit linked to a credit record of an account receivable, which is used for managing a loan utilizing an account receivable held by a loan destination. It is.

  When sales are recorded by selling products and services in business transactions, it is common that a certain settlement deadline (site) is provided before the sales price is paid. Receivables related to receipt of such sales prices are called trade receivables, but the seller may have to pay the purchase price of raw materials before collection of trade receivables. Often there is a need for funds.

  In order to meet such demand for funds, financial institutions, etc., reduce sellers' receivables by discounting bills issued by sellers and cashing them, and factoring to purchase receivables held by sellers. A cashing service is provided. Among these, regarding factoring, inventions relating to computer systems for improving the efficiency of identification of required receivables and necessary procedures (for example, see Patent Document 1 and Patent Document 2) are disclosed.

  The method of quickly cashing receivables is not limited to the method in which financial institutions purchase bills and receivables as described above, and it corresponds to loans secured by receivables and receivables and collection times of receivables. Financial institutions etc. provide funds in the form of loans. In the former method, receivables are collected as collateral for the loan, and when the loan is delayed, the security right is executed and the collection price of the receivable is applied to repayment of the loan. In the latter method, there is a high probability that deposits equivalent to the amount of receivables will be made on the date of collection of accounts receivable. Therefore, regardless of whether or not collateral is set for accounts receivable, The loan is executed until the collection date.

  As a technique for efficiently performing financing corresponding to such accounts receivable, an invention that systematizes a procedure for executing financing secured by accounts receivable (see, for example, Patent Document 3), An invention (for example, see Patent Document 4) that systematizes a procedure up to the execution of a loan with provision for accounts receivable is disclosed.

JP 11-96247 A JP-A-11-96262 JP 2001-319060 A JP 2003-99612 A

  The inventions described in Patent Document 1 and Patent Document 2 are intended to improve the efficiency of factoring procedures, but are subject to the fact that the factoring technique is based on a scheme for transferring accounts receivable to financial institutions. It is an indispensable procedure for identifying trade receivables and contracts for assigning receivables. When factoring is used to respond to demand for working capital generated on an ongoing basis, debtors regularly report details of accounts receivable to financial institutions, etc., and conduct contract procedures for setting collateral. There must be.

  The inventions described in Patent Document 3 and Patent Document 4 contribute to efficiently and safely performing financing for receivables as collateral and financing for accounts receivable. For loans corresponding to, it is essential to specify receivables, and contracting procedures are also required when setting collateral. In other words, even when using loans for accounts receivable as a response to the demand for working capital generated continuously, the debtor has to report the details of accounts receivable periodically to financial institutions. There is no difference that will occur. If the debtor is provided with a means for raising working capital without reporting the details of accounts receivable, the burden on funding can be reduced.

  In addition, it is not uncommon for trade receivables to have special provisions prohibiting assignment of receivables and setting of collateral, so even if you want to use a loan secured by factoring or receivables, It may happen that it cannot be cashed. For debtors, it will be possible to expand the funding framework by providing means that can be used to raise funds for receivables with such special provisions.

  The present invention has been made in order to cope with such a problem, and it is not an essential requirement to regularly report details of accounts receivable, and accounts receivable with a transfer prohibition special agreement, etc. The object of the present invention is to provide a loan limit calculation method and a loan limit calculation system for calculating a loan limit linked to the amount of receivables receivable that can be used for fund procurement.

  A first invention that solves the problem of the present application is a method for calculating a loan limit amount that is linked to a deposit record of an account receivable, and the computer system that calculates the loan limit amount includes a loan partner. A step of acquiring transfer deposit details data during a predetermined target period from an account file of an account for accounts receivable deposits, and the computer system reads the transfer requester recorded in the transfer deposit details data, Totaling the deposits recorded in the transfer receipt details data for each client, calculating a qualifying receivable amount by summing the deposits by client, and the computer system during a predetermined target period Calculating a total qualifying receivable receivable total amount of the qualifying receivable receivables for all the transfer requesters included in the transfer deposit details data of The system calculates the ratio of the amount of eligible receivables to the total amount of eligible receivables for all transfer requesters included in the transfer receipt details data during a predetermined target period, and stored in the computer system For the amount of eligible receivables of the transfer requestor exceeding the prescribed upper limit ratio, the amount calculated so that the ratio to the total eligible receivables total becomes the upper limit ratio is the amount of the transfer requester who does not exceed the upper limit ratio. For the amount of eligible receivables, the step of identifying the amount of eligible receivables as the amount of eligible receivables for each client, and the computer system includes all transfers included in the transfer receipt details data for a predetermined target period. Calculating a total qualifying receivable amount by summing the qualifying receivable amounts for the client; and Multiplying the total amount by a predetermined multiplier stored in the computer system to calculate a loanable reference amount; and the computer system stores the loan maximum amount and the loan for the loan destination stored in the computer system And a step of specifying the smaller amount as a possible loan amount in comparison with a possible reference amount.

  A second invention that solves the problem of the present application is a method of calculating a loan limit amount that is linked to an actual amount of receipts of accounts receivable. The computer system that calculates the loan limit amount includes a loan partner. A step of acquiring transfer deposit details data during a predetermined target period from an account file of an account for accounts receivable deposits, and the computer system reads the transfer requester recorded in the transfer deposit details data, Totaling the deposits recorded in the transfer receipt details data for each client, calculating a qualifying receivable amount by summing the deposits by client, and the computer system during a predetermined target period Calculating a total qualifying receivable receivable total amount of the qualifying receivable receivables for all the transfer requesters included in the transfer deposit details data of The system calculates the ratio of the amount of eligible receivables to the total amount of eligible receivables for all transfer requesters included in the transfer receipt details data during a predetermined target period, and stored in the computer system For qualifying receivables of the transfer requester who does not exceed the prescribed upper limit ratio, the qualifying receivables are specified as qualifying receivables for each client, and the qualifying sales of the transfer requester exceeding the upper limit ratio. With respect to the amount of receivables, the step of identifying the qualifying receivable amount for each client as zero, and the computer system, the qualifying receivables for all the transfer requesters included in the transfer receipt details data during a predetermined target period Calculating the total amount of eligible receivables by summing the amount, and the computer system adds the computer to the total amount of eligible receivables Calculating a loanable reference amount by multiplying a predetermined multiplier stored in the system, and the computer system compares the loan maximum amount and the loanable reference amount for the loan destination stored in the computer system. And a step of specifying a smaller amount as a loanable limit amount, and a method of calculating a loan limit amount.

  In the present invention, the conventional factoring or financing secured by accounts receivable is a mechanism for raising funds for accounts receivable that are scheduled to be deposited in the future, while depositing into a predetermined deposit account. By setting the loan limit based on the actual payments made using past receivables, the debtor can raise funds without regularly reporting the details of the receivables. Become. Since the loan limit is set by predicting the future deposit amount based on the past performance, compared to the conventional method linked to the future deposit schedule, Although certainty may be inferior to certainty, safety is guaranteed in terms of loan protection by providing a unique mechanism for improving the accuracy of forecasting.

  Specifically, first, in order to eliminate the impact of deposit results based on special factors, the total amount of deposits is calculated for each transfer requester who is the debtor of accounts receivable. Judge whether or not it is a safe deposit. If the ratio of the deposit amount to the transfer requester exceeds the predetermined ratio, it is judged that there was an abnormal deposit, and in the first invention, the amount obtained by cutting the deposit amount to the predetermined ratio is the qualifying receivable amount In the second invention, the deposit amount is set to be zero and is excluded from the eligible receivable amount. In this way, by providing a process for determining and adjusting the possibility of deposit results due to special factors, it is possible to predict deposits with high accuracy. As for the method of determining whether the ratio of the total deposit amount exceeds the total amount, the ratio of the total deposit amount may be calculated and compared with whether the predetermined ratio is exceeded. It is also possible to calculate a limit amount corresponding to the above and compare whether the deposit amount exceeds the limit amount.

  In addition, the loan maximum amount set in advance for each loan destination is applied as a cap to the loanable reference amount calculated by accumulating the qualifying receivable amounts adjusted for irregular factors as described above. In this way, by providing a process for applying the maximum amount of loan according to the financial structure of the borrower, it is possible to prevent the loan limit from being unconditionally increased just because of the accumulation of deposits.

  The accounts receivable in the present invention is not necessarily limited to claims related to sales recorded as consideration for goods and services, but includes other monetary claims that are continuously generated such as fees, license fees, and interest income. There may be. In addition, the accounts receivable deposit account used in the present invention may be a deposit account used exclusively for deposits of accounts receivable as long as it is a deposit account that can confirm receipt of accounts receivable. It may be a savings account or a checking account to be used. The target deposit account may be a plurality of accounts.

  In the present invention, the predetermined target period for acquiring the transfer deposit details is not particularly limited, but it is usually set on the basis of a monthly unit or a standard account receivable site of the borrower. The upper limit ratio used for specifying the qualifying receivable amount is not particularly limited, and may be set in consideration of a level that is difficult to exceed in the normal transaction of the borrower. The predetermined amount used in the calculation of the loanable reference amount is not particularly limited, and may be 100% or more, but is set within a range of about 60 to 85% based on the analysis of the financial details of the borrower. It is good as well. In determining whether or not these reference values are exceeded, the same reference value may be included. Although the maximum amount of loan is determined for each loan destination, it is generally determined individually in consideration of the transaction results and financial structure of the loan destination.

  In the first invention and the second invention, in the exclusion destination storage unit in which the computer system stores an exclusion destination that the transfer requester recorded in the transfer deposit details data excludes from the calculation target of the loan limit amount. A step of determining whether or not the transfer requester is stored as an exclusion destination, and specifying transfer deposit details data to be excluded from the calculation target of the loan limit amount, and calculating the total amount of eligible receivables receivable And the step of excluding the qualifying receivables amount relating to the transfer requester specified as the transfer receipt details data to be excluded from the calculation target of the loan limit from the calculation of the total amount of the qualifying receivables receivable, You can also

  In the present invention, the actual amount of receivables receivable is ascertained from the record of deposits into a predetermined deposit account. However, in this method, the provision for repayment of loans is substantially made, such as transactions with affiliated companies and deposits by bank loans. In order to exclude deposits that would not be possible, the specified counterparty is excluded from the calculation of the loan limit.

  In the first invention and the second invention, the computer system allows the transfer requester recorded in the transfer receipt details data to exclude the qualifying receivables from the application target of the upper limit ratio. It is determined whether or not the transfer requester is stored as a full-destination recipient in the full-destination storage unit that stores the full-destination recipient included in the amount, and is excluded from the application of the upper limit ratio in the calculation of the eligible receivable amount A step of specifying a transfer requester, and in the step of specifying the qualifying receivable amount, the transfer requester identified as the transfer requester excluded from the application target of the upper limit ratio is transferred to the transfer requester. Even if the ratio of the eligible receivables to the total eligible receivables exceeds the upper limit ratio, the eligible receivables are categorized as qualifying receivables for each client. It may be characterized to identify with.

  In the present invention, in order to eliminate the influence of the deposit results due to special factors, the upper limit ratio is set for each transfer client and the eligible accounts receivable are adjusted. Since there may be a case where the ratio is constantly high rather than a factor, in this method, a partner excluded from application of the upper limit ratio in the specification of the qualifying receivable amount can be set in advance as the total amount included.

  Further, in the first invention and the second invention, in the step of obtaining the transfer receipt details data, a transfer receipt details is obtained by providing a plurality of target periods for one loan destination, and the total amount of eligible receivables is calculated. In the calculating step, a total value of the total qualifying receivable amounts calculated in each target period may be calculated as the qualifying receivable total amount.

  For example, even if the target period is set to 1 month, if the site of accounts receivable is 3 months, there will be accounts receivable for 3 months at the time of loan standard. In such a case, it is preferable to set a loan limit corresponding to the accounts receivable for three months. In this method, the total value of the total amount of eligible accounts receivable calculated for multiple target period units is qualified. Adopted as the total amount of accounts receivable. In addition, about the adjustment of the upper limit ratio when applying this method, the comparison with the upper limit ratio may be performed in each target period unit (for example, one month unit), or a plurality of entire target periods (for example, for the site) The total value of 3 months) may be calculated and compared with the upper limit ratio.

  Furthermore, the first invention and the second invention can also be configured as a loan limit calculation system for carrying out the loan limit calculation method according to each invention.

  In other words, the loan limit calculation system corresponding to the first invention is a loan limit calculation system for calculating a loan limit linked to the deposit performance of the accounts receivable, From the account file of the account, transfer payment details acquisition means for acquiring transfer payment details data during a predetermined target period, and the transfer requestor recorded in the transfer payment details data is read and the transfer payment is made in units of transfer requests Qualifying accounts receivable amount calculation means for calculating the amount of eligible accounts receivable by summing up the amount of receipts recorded in the statement data and summing the amounts received for each client, and transfer receipt details data for a predetermined target period Included in qualifying receivables total amount calculation means for calculating the total amount of eligible receivables receivable by summing up the above-mentioned eligible receivables amount for all included transfer requesters, and transfer receipt details data for a predetermined target period Calculate the ratio of the amount of eligible receivables for all transfer requesters to the total amount of eligible receivables, and the amount of eligible receivables of the transfer requester exceeding the predetermined upper limit ratio stored in the computer system The amount calculated so that the ratio to the total amount of eligible receivables will be the upper limit ratio, and the amount of eligible receivables of the transfer client who does not exceed the upper limit ratio, the amount of eligible receivables Qualifying accounts receivable amount specifying means specified as eligible accounts receivable amount by client, and the total amount of eligible accounts receivable that is the sum of the eligible accounts receivable amount for all transfer requesters included in the transfer receipt details data for a given period The qualifying receivable total amount calculation means for calculating, and the qualifying receivable total amount is multiplied by a predetermined multiplier stored in the computer system to calculate the loanable reference amount. A loanable reference amount calculating means, and a loan that specifies a smaller amount as a loanable limit amount as compared with the loan maximum amount and the loanable reference amount stored in the computer system A loan limit calculation system comprising: a possible limit amount specifying means.

  The loan limit calculation system corresponding to the second invention is a loan limit calculation system for calculating a loan limit linked to the credit record of the accounts receivable. From the account file, transfer payment details acquisition means for acquiring transfer payment details data during a predetermined target period, and the transfer requester recorded in the transfer payment details data are read, and the transfer payment details data in units of transfer requests Included in qualifying accounts receivable amount calculation means for calculating the amount of eligible accounts receivable by summing up the amount of receipts recorded in the client, and totaling the amounts received for each client, and in the transfer receipt details data for a predetermined target period Qualifying receivables total amount calculating means for calculating the total amount of eligible receivables receivable by summing up the above-mentioned eligible receivables amount for all the transfer requesters, Shake The ratio of the qualifying receivables amount for the client to the total qualifying receivables is calculated, and the qualifying receivable amount of the transfer client who does not exceed the predetermined upper limit ratio stored in the computer system Qualifying receivables are specified as qualifying receivables for each client, and qualifying receivables for transfer clients exceeding the above limit ratio are specified as zero for each client. A receivable amount specifying means, a qualified receivable amount total amount calculating means for calculating a total amount of eligible receivables totaling the eligible receivable amounts for all the transfer requesters included in the transfer receipt details data during a predetermined target period, and A loanable reference amount calculating means for calculating a loanable reference amount by multiplying the total amount of eligible receivables by a predetermined multiplication stored in the computer system; A loanable limit amount specifying means for specifying the smaller amount as a loanable limit amount in comparison with the loan maximum amount stored in the computer system and the loanable reference amount; Is a loan limit calculation system characterized by

  Further, the loan limit calculation system corresponding to the first invention and the second invention is recorded in an exclusion destination storage means for storing an exclusion destination to be excluded from the loan limit calculation target, and in the transfer deposit details data. And determining whether the transfer requester is a transfer requester stored as an exclusion destination in the exclusion destination storage means, and specifying transfer deposit details data to be excluded from the calculation target of the loan limit amount The qualifying receivables total amount calculation means includes the qualifying receivables amount relating to the transfer requester specified as the transfer receipt details data to be excluded from the loan limit calculation target, It may be characterized in that it is excluded from the calculation of the total amount of accounts receivable.

  Further, the loan limit calculation system corresponding to the first invention and the second invention is a total amount for storing a total amount destination that is excluded from the application target of the upper limit ratio and is included in the total amount of eligible receivables. It is determined whether the transfer requester recorded in the transfer destination storage means and the transfer receipt details data is the transfer requester stored as a full transfer destination in the full transfer destination storage means, and A full-destination specifying unit that specifies a transfer requester who excludes the eligible receivables from the application of the upper-limit ratio in the calculation, and the eligible receivable-amount specifying means For the transfer requester identified as the transfer requester to be excluded from the scope of application, the ratio of the eligible receivable amount for the transfer requester to the total eligible receivable amount exceeds the upper limit ratio. It also said eligible accounts receivable amount, may be characterized loan limit calculation system according to any one of claims 6-8, characterized in that identifying as respective clientele different eligible accounts receivable amount.

  Furthermore, in the loan limit calculation system corresponding to the first invention and the second invention, the transfer deposit details acquisition unit acquires transfer deposit details data by providing a plurality of target periods for one loan destination, The qualifying receivable amount total calculating means may calculate the total value of the qualifying receivable amount calculated in each target period as the qualifying receivable amount total amount.

  Since the present invention makes it possible to calculate a safe loan limit based on the receipts of receivables, companies that receive loans are like factoring or loans secured by receivables. Since it becomes possible to receive loans without regularly reporting the details of accounts receivable, it contributes to reducing the administrative burden of borrowing working capital of financial institutions that provide loans, companies that receive loans, etc. It will be.

  In addition, unlike loans secured by factoring and accounts receivable, accounts receivable with transfer prohibitions can be used for fundraising. Funding opportunities will increase.

  The best mode for carrying out the present invention will be described below in detail with reference to the drawings. The following explanation is an example of an embodiment of a method for calculating a loan limit and a system for calculating a loan limit according to the present invention, and the present invention includes the set target period, upper limit ratio, multiplication item, etc. It is not limited.

  FIG. 1 is a diagram showing a difference between a loan corresponding to a conventional trade receivable and a loan using a receivable executed by the present invention. FIG. 2 is a diagram showing the concept of the loan limit amount in the loan utilizing the accounts receivable executed according to the present invention. FIG. 3 is a block diagram showing the configuration of the loan limit calculation system according to the present invention. FIG. 4 is a diagram showing an example of an account file used in the loan limit calculation system according to the present invention. FIGS. 5 and 6 are first and second diagrams, respectively, showing examples of calculation of the loan limit by the method of calculating the loan limit according to the present invention. 7 to 10 are first to fourth flowcharts showing a calculation flow of a loan limit amount according to a method of calculating a loan limit amount according to the present invention, respectively.

  With reference to FIG. 1, the difference between a loan corresponding to a conventional trade receivable and a loan utilizing the trade receivable executed by the present invention will be described. As explained in the background section, as a means of quickly cashing receivables, factoring to purchase bills and receivables, financing with receivables as collateral and receivable amounts and collection times of receivables The loan is provided by financial institutions. With these measures, considering the time when factoring is executed or when the loan is executed as the base time, the amount that can be loaned (factoring) is the amount that is set for a specific item for accounts receivable that are scheduled to be paid in the future. It becomes. That is, these means supply working capital with provisions for future payment plans based on accounts receivable.

  On the other hand, in the loan utilizing the accounts receivable executed according to the present invention, the loan limit is set based on the past payment history of the accounts receivable with respect to the loan execution time which is the reference time. In this loan, it is assumed that the same amount of deposits can be generated in the near future in the near future based on the latest record of receivables receivable, and the deposit record of the specified period is recorded in the deposit account. And set a loan limit. In other words, this loan supplies working capital backed up by the past receipt of receivables.

  FIG. 2 shows the concept of the loan limit in the loan utilizing the accounts receivable executed according to the present invention. For example, if the receivables site of a company that borrows working capital is 1 month, the receivables can be considered to have a balance of 1 month even at the base time when the loan is executed. If we know the payment history of the accounts receivable for one month from the previous month at the base time, it is estimated that the balance of the accounts receivable at the base time is almost the same in the standard transaction state. Therefore, if you understand the payment history of the accounts receivable for the first month of the previous month and set the loan limit based on the deposit amount, if the loan receivable is up to the loan limit, the remaining accounts receivable It can be considered that there is a high possibility that it can be recovered by depositing a claim.

  However, in actuality, for example, deposits in large transactions, the monthly deposit results often fluctuate due to special factors. In order to eliminate the effects of such special deposits, the present invention aggregates the deposit amounts by transfer requestor who is the debtor of accounts receivable, and the ratio of the total deposit amount exceeds the standard ratio Is determined to be a special deposit, and the deposit amount is adjusted to the upper limit of the standard ratio to eliminate the impact. In addition, when calculating the loan limit from the total deposit amount, a predetermined multiplication is applied in consideration of safety.

  In addition, regardless of the amount of accounts receivable, the maximum amount set for the loan is determined for each loan destination, and if the calculated maximum loan amount exceeds the set maximum amount, it will be finally adopted. The loan limit is reduced to the maximum amount set. In the example shown in Figure 2, for each month except March, the amount multiplied by the result of deposits on accounts receivable is less than the set maximum amount, so the calculated inner limit is adopted as the loan limit. However, in March, the amount set by multiplying the actual amount of receivables by receivable exceeds the set maximum amount, so the set maximum amount is adopted as the loan limit.

  In addition to this, for example, if the site of accounts receivable is 3 months, the accounts receivable can be considered to have a balance of 3 months even at the base time when the loan is executed. Estimate the balance of accounts receivable at the base time based on the amount of accounts receivable received for 3 months. As for the calculation of the payment results for 3 months and the adjustment method of special factors, it is possible to calculate the payment results for 3 months at a time, or add up 3 months for each month, It is also possible to set the loan amount as the total amount by adjusting each special factor and multiplying the factor. Regarding the comparison with the set extreme amount, the extreme amount with respect to the total amount for three months may be set and compared, or the extreme amount may be set and compared every month.

  FIG. 3 shows the configuration of the loan limit calculation system according to the present invention. The loan limit calculation system according to the present invention corresponds to the loan limit calculation system 14 included in the bank system 10. In the daily business activities of the borrower, for example, when the sales price of the product is received from the customer, the customer makes a transfer request from the customer terminal 30 connected to the ATM 20 or the EB system 12, and the host computer 11 accepts this and writes the deposit information into the account information of the deposit account of the loan destination in the account file 13.

  The loan limit calculating unit 141 is composed of a calculation device and a program for calculating the loan limit, and for example, the loan limit calculating unit 141 calculates the loan limit of the loan destination at a regular timing such as once a month. Start the program. The loan limit is calculated as follows. First, the deposit information during the target period is acquired from the account information of the deposit account of the borrower in the account file 13, and the total amount of the deposit during the target period is calculated for each transfer requester.

  The depositing account used here may be a dedicated account for depositing accounts receivable, but it may also be a checking account or a savings account used by the borrower for ordinary transactions. The target deposit account is not limited to a single account, and may be configured to acquire payment information during a target period for a plurality of deposit accounts.

  FIG. 4 shows an example of an account file when a checking account or a savings account used for normal transactions is used as a deposit account. In this example, for each record that is numbered for each deposit / withdrawal, if you select a record in which the deposit is recorded in the deposit amount field and the description column is “Transfer”, the normal transaction Even for the account used for the transaction, it is possible to specify the deposit information of the accounts receivable. For the selected record, using the client information recorded in the client's field as a key, the total deposit amount for each transfer client is calculated (so-called “name identification” processing is executed).

  When totaling the deposit amount, the transfer requester registered in the loan condition database 142 as an exclusion destination for the loan destination is excluded from the calculation target. For example, in addition to affiliated companies and business banks, you may specify suppliers who are worried about collection.In addition to transactions with affiliated companies and deposits by bank borrowing, etc. Exclude deposits that could not be practically reserved for loan repayments, such as doubtful possibilities. Accounts receivable excluding such exclusions are recognized as eligible receivables used for calculating the loan limit.

  FIG. 5 shows the procedure for calculating the loan limit amount in the example of FIG. 4, but the transfer requester registered as an exclusion destination in the deposit amount list totaled by transfer requester (account). Deposits from the company, specifically 10,000,000 yen for two companies, are excluded from the calculation of the total amount during the target period, and are eligible for eligible receivables subject to calculation of the loan limit It will not be. As a result, the total amount of eligible receivables is 100,000,000 yen. In addition, in this example, the process of excluding the excluded party from eligible trade receivables is performed after name identification. However, it may be performed before name identification, and the order of processing is not particularly limited. Absent.

  Next, the ratio of the total deposit amount calculated for each transfer client to the total amount of eligible trade receivables that is the total deposit amount (excluding the above-mentioned excluded deposit amount) during the target period Is calculated. If this ratio exceeds the preset upper limit ratio, it is highly likely that the deposit is based on a special factor, so adjust the deposit amount by cutting to the preset upper limit ratio, Adopt the amount as a qualifying receivable amount. If the preset value is not exceeded, the deposit amount is directly adopted as the eligible receivable amount. By such processing, the loan limit is prevented from being increased more than the actual amount due to special factors such as irregular deposits due to large transactions.

  If the preset upper limit ratio is exceeded and it is determined that there is a high possibility of deposit based on a special factor, the deposit itself is not cut instead of cutting to the preset upper limit ratio as described above. It may be determined that the transaction is a regular transaction, and the eligible account receivable amount may be treated as zero. As to whether to cut to the upper limit ratio or treat it as zero, either one may be applied uniformly to all the transfer requesters, and which one to apply for each transfer requester is entered in the loan condition database 142 It is good also as registering and processing based on each registered rule.

  In the adjustment of the deposit amount, there may be cases where the ratio is constantly high, not a special factor, for a given counterparty. The other party may be registered in advance in the loan condition database 142. In the case where such a total amount is included, even if the upper limit ratio is exceeded, the deposit amount is directly adopted as the eligible receivable amount.

  FIG. 6 shows an example in which the deposit amount is adjusted by applying a preset upper limit ratio of 5% to the eligible receivables identified in the example of FIG. In this example, the upper limit ratio is set to 5%, but a numerical value of 5% may be registered in the loan condition database 142 or set as part of a program executed by the loan limit calculating unit 141. May be.

  Of the accounts receivable to which the 5% rule applies, two companies have received deposit adjustments and the total amount of eligible accounts receivable multiplied by the upper limit ratio of 5% is 5,000,000 yen. Identified as On the other hand, select the accounts receivable registered as the total credit recipient by using the name of the bank request (account receivable) as the key, and exclude the accounts receivable from the 5% rule, Is identified as a qualified receivable amount.

  When the total amount of eligible receivables is calculated by adjusting the total amount of eligible receivables after adjusting the deposit amount, the loanable reference amount is calculated by multiplying a predetermined multiplier. In the example of FIG. 6, the loanable reference amount is calculated by applying 80% which is a preset multiplier, but the numerical value of 80% may be registered in the loan condition database 142 or the loan limit It may be set as a part of a program executed by the forehead calculation unit 141.

  When the loanable reference amount is calculated, it is determined whether this amount exceeds an extreme amount preset for each loan destination. As for the extreme amount for each loan destination, what has been registered in advance in the loan condition database 142 for the amount determined in consideration of the financial status of the loan destination, the performance of loan transactions, and the like may be read. If the maximum amount is not exceeded, the loanable reference amount calculated as in the example of FIG. 6 is determined as the loan limit amount. In the case of exceeding the maximum amount, the maximum amount sets the absolute amount that can be lent to the loan destination, and therefore, it is not possible to adopt a loanable standard amount that exceeds this amount as the loan limit amount. Is determined as the loan limit.

  With respect to the loan limit determined in this way, the output device 143 may output management documents in the bank and report documents addressed to the loan destination, or may be transmitted to the loan destination terminal 40 through the EB system 12. May be. The loan limit amount may be stored in a database, and it may be configured to determine whether or not the loan is possible by referring to the loan amount when applying for a loan from a loan destination.

  With reference to the flowcharts of FIGS. 7 to 10, the calculation flow of the loan limit by the method of calculating the loan limit according to the present invention will be described. In addition, since the following flow is an example of a method for calculating the loan limit amount according to the present invention, the timing of excluding the exclusion destination from eligible receivables, the adjustment procedure when the upper limit ratio is exceeded, the numerical value of the upper limit ratio, etc. The calculation flow is not limited to the following example.

  FIG. 7 shows a flow for acquiring the deposit details during the target period. First, the deposit details are acquired from the account file of the target deposit account (S01), and the date column of the deposit details is read. It is determined whether or not the deposit is in the target period from the read date (S02). If it is not in the target period, it is excluded from the subject of name identification (S05), and if there is the next deposit details (S06) The next deposit details are acquired (S01). If there is no next deposit details (S06), the process proceeds to the name identification process.

  If it is during the target period, the summary column of the payment details is read to determine whether or not it is a transfer payment (S03). If it is not transfer deposit, it is determined that the deposit is not due to collection of accounts receivable, and is excluded from name identification (S05). If there is a next deposit detail (S06), the next deposit detail is acquired (S01), and if there is no next deposit detail (S06), the process proceeds to name identification processing.

  If it is a transfer deposit, it is determined that the deposit is due to collection of accounts receivable, and is adopted as a name identification target (S04). If there is a next deposit detail (S06), the next deposit detail is acquired (S01), and if there is no next deposit detail (S06), the process proceeds to name identification processing.

  FIG. 8 shows a flow of name identification and narrowing of eligible receivables. For the deposit details that are subject to name collation, the transfer requester column is read (S07), and a name collation process for summing the deposit amount for each transfer requester is performed (S08).

  Here, it is determined whether each transfer requester does not fall under the exclusion destination registered in advance as not included in the eligible trade receivables (S09). For those that fall under the exclusion destination, exclude the eligible receivables from the calculation target (S10), and calculate the total amount of eligible receivables, which is the total deposit amount of all the transfer clients other than the exclusion recipient. Then, a 5% limit amount corresponding to the upper limit ratio set to 5%, that is, an amount that is the upper limit of the qualifying receivable amount for each transfer client is calculated (S11).

  FIG. 9 shows a flow for adjusting the deposit amount due to special factors to calculate the total amount of eligible accounts receivable that serves as a basis for the loan limit. First, the eligible receivables calculated for each transfer requester are read (S12), and if the transfer requester exceeds the upper limit ratio, it is determined whether it is a pre-registered full amount account that is not determined as special payment. Determine (S13). If the customer is a full account, the entire amount of eligible receivables is directly incorporated as a qualified receivable amount (S15).

  If it is not a full-quantity account, it is determined whether the amount of eligible receivables on the transfer requester exceeds the previously calculated 5% limit (S14). If the 5% limit is not exceeded, all eligible receivables are directly incorporated as eligible receivables (S15). If the 5% limit is exceeded, the 5% limit is incorporated as the eligible receivable amount instead of the full amount of eligible receivables (S16). When the qualifying receivable amount is calculated for each transfer requester in such a procedure, the qualifying receivable amounts of all the transfer requesters excluding the previously excluded exclusion destinations are totaled to calculate the total qualifying receivable amount (S17). .

  FIG. 10 shows the flow from setting the total amount of eligible accounts receivable to setting the loan limit. A loanable reference amount is calculated by multiplying the total amount of eligible accounts receivable by a preset multiplier (S18). On the other hand, the extreme amount provided reflecting the creditworthiness of the loanee registered in advance for each loanee is acquired (S19) and compared with the loanable reference amount (S20).

  When the loanable reference amount is less than the maximum amount, the loanable reference amount is adopted as the loan limit amount (S21). When the loanable reference amount exceeds the extreme amount, the extreme amount is adopted as the loan limit (S22). The adopted loan limit is set as the loan limit of the borrower at the reference time (S23), and is used for output of a notification, transmission to the loan destination terminal, determination at the time of loan execution, and the like.

It is a figure which shows the difference between the loan corresponding to the conventional account receivable, and the loan using the account receivable performed by this invention. It is a figure which shows the idea of the loan ceiling in the loan using the accounts receivable performed by this invention. It is a block diagram which shows the structure of the loan limit calculation system concerning this invention. It is a figure which shows an example of the account file used in the loan limit calculation system concerning this invention. It is a 1st figure which shows the example of calculation of the loan limit by the calculation method of the loan limit concerning this invention. It is a 2nd figure which shows the example of calculation of the loan limit by the calculation method of the loan limit concerning this invention. It is a 1st flowchart which shows the calculation flow of the loan limit by the calculation method of the loan limit concerning this invention. It is a 2nd flowchart which shows the calculation flow of the loan limit by the calculation method of the loan limit concerning this invention. It is a 3rd flowchart which shows the calculation flow of the loan limit by the calculation method of the loan limit concerning this invention. It is a 4th flowchart which shows the calculation flow of the loan limit by the calculation method of the loan limit concerning this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Bank system 11 Host computer 12 EB system 13 Account file 14 Loan limit calculation system 141 Loan limit calculation part 142 Loan condition database 143 Output device 20 ATM
30 Customer terminal 40 Financing terminal

Claims (10)

A method of calculating a loan limit that calculates a loan limit linked to the actual amount of receivables received,
The computer system for calculating the loan limit obtains transfer deposit details data during a predetermined target period from an account file of an account for accounts receivable deposits of a loan destination;
The computer system reads the transfer requester recorded in the transfer receipt details data, totals the receipt amount recorded in the transfer receipt details data for each transfer requester, and totals the receipt amount for each requester Calculating a qualified receivable amount
The computer system calculates a total amount of eligible receivables receivable by summing up the amount of eligible receivables for all transfer requestors included in the transfer receipt details data during a predetermined target period;
The computer system calculates a ratio of the qualifying receivable amount to the total qualifying receivable receivable amount for all the transfer requesters included in the transfer receipt details data during a predetermined target period, and stores the ratio in the computer system The transfer request that does not exceed the upper limit ratio for the amount of eligible receivables of the transfer requester that exceeds the specified upper limit ratio, the amount calculated so that the ratio to the total eligible receivables is the upper limit ratio. Identifying a qualified receivable amount of a person as a qualified receivable amount for each client,
The computer system calculating a qualifying receivable amount total amount that is a sum of the qualifying receivable amounts for all the transfer requesters included in the transfer receipt details data during a predetermined target period;
The computer system calculates a loanable reference amount by multiplying the total amount of eligible receivables by a predetermined multiplier stored in the computer system;
The computer system compares the maximum loan amount for the loan stored in the computer system with the loanable reference amount, and specifies the smaller amount as the loanable limit amount; and
A method for calculating a loan limit, characterized by comprising: A method of calculating a loan limit that calculates a loan limit linked to the actual amount of receivables received,
The computer system for calculating the loan limit obtains transfer deposit details data during a predetermined target period from an account file of an account for accounts receivable deposits of a loan destination;
The computer system reads the transfer requester recorded in the transfer receipt details data, totals the deposit amount recorded in the transfer receipt details data for each transfer requester, and totals the deposit amount by requester Calculating the amount of eligible receivables
The computer system calculates a total amount of eligible receivables receivable by summing up the amount of eligible receivables for all transfer requestors included in the transfer receipt details data during a predetermined target period;
The computer system calculates a ratio of the qualifying receivable amount to the total qualifying receivable receivable amount for all the transfer requesters included in the transfer receipt details data during a predetermined target period, and stores the ratio in the computer system With regard to the amount of eligible receivables of the transfer requester that does not exceed the prescribed upper limit ratio, the amount of eligible receivables is specified as the amount of eligible receivables for each client, and For qualifying receivables, each step identifies the qualifying receivable amount by client as zero,
The computer system calculating a qualifying receivable amount total amount that is a sum of the qualifying receivable amounts for all the transfer requesters included in the transfer receipt details data during a predetermined target period;
The computer system calculates a loanable reference amount by multiplying the total amount of eligible receivables by a predetermined multiplier stored in the computer system;
The computer system, as compared with the maximum loan amount and the loanable reference amount for the borrower stored in the computer system, specifying the smaller amount as the loanable limit amount;
A method for calculating a loan limit, characterized by comprising: The computer system is a transfer requester stored as an exclusion destination in an exclusion destination storage unit in which the transfer requester recorded in the transfer deposit details data stores an exclusion destination to be excluded from the loan limit calculation target Determining the transfer deposit details data to be excluded from the calculation target of the loan limit,
In the step of calculating the total amount of eligible receivables receivable, the amount of eligible receivables related to the transfer requester specified as the transfer receipt details data excluded from the calculation target of the credit limit is calculated as the total amount of eligible receivables receivable. 3. The method of calculating a credit limit according to claim 1 or 2, characterized in that it is excluded from the calculation of. The computer system stores a full-destination where the transfer requester recorded in the transfer receipt details data stores a full-destination where the total amount of eligible receivables is included in the eligible receivable amount by excluding the upper limit ratio. Determining whether or not the transfer requester is stored as a total amount in the storage unit, and specifying a transfer requester to be excluded from the application target of the upper limit ratio in the calculation of the eligible receivable amount,
In the step of identifying the qualifying receivable amount, for the transfer requester identified as the transfer requester excluded from the application of the upper limit ratio, the qualifying receivable total of the qualifying receivable receivable amount related to the transfer requester 4. The method according to claim 1, wherein even if the ratio to the amount exceeds the upper limit ratio, the qualifying receivable amount is specified as a qualifying receivable amount for each client. 5. How to calculate the loan limit. In the step of acquiring the transfer deposit details data, the transfer deposit details are obtained by providing a plurality of target periods for one loan destination,
5. The step of calculating the total amount of eligible receivables calculates the total value of the total amount of eligible receivables calculated in each target period as the total amount of eligible receivables. The calculation method for the stated loan limit. A loan limit calculation system for calculating a loan limit linked to the amount of receivables received,
A transfer receipt details acquisition means for obtaining transfer receipt details data during a predetermined target period from an account file of an account for accounts receivable deposits of a loan destination;
Qualifying accounts receivables that read the transfer requestor recorded in the transfer receipt details data, total the receipt amount recorded in the transfer receipt details data for each transfer requester, and total the receipt amount by requester Qualifying receivables amount calculation means for calculating the amount,
A qualifying trade receivable total amount calculating means for calculating a total qualifying receivable receivable amount obtained by adding up the qualifying receivable receivable amounts for all the transfer requesters included in the transfer receipt details data during a predetermined target period;
Calculate the ratio of the amount of eligible receivables to the total amount of eligible receivables for all transfer requestors included in the transfer receipt details data during a predetermined target period, and store the predetermined upper limit stored in the computer system For the amount of eligible receivables of the transfer requestor exceeding the ratio, the amount calculated so that the ratio to the total amount of eligible receivables will be the upper limit ratio, the eligible receivables of the transfer requester not exceeding the upper limit ratio With respect to the amount of receivables, a qualified receivable amount specifying means for specifying the above-mentioned eligible receivable receivable amount as a qualified receivable amount for each client,
A qualifying receivable amount total amount calculating means for calculating a qualifying receivable amount total amount obtained by summing up the qualifying receivable amounts for all the transfer requesters included in the transfer receipt details data during a predetermined target period;
A loanable reference amount calculating means for calculating a loanable reference amount by multiplying the total amount of eligible receivables by a predetermined multiplication stored in the computer system;
A loanable limit specifying means for specifying a smaller amount as a loanable limit amount in comparison with a loan maximum amount and the loanable reference amount for the loan destination stored in the computer system;
A loan limit calculation system characterized by comprising: A loan limit calculation system for calculating a loan limit linked to the amount of receivables received,
A transfer receipt details acquisition means for obtaining transfer receipt details data during a predetermined target period from an account file of an account for accounts receivable deposits of a loan destination;
Qualifying accounts receivables that read the transfer requester recorded in the transfer receipt details data, total the receipt amount recorded in the transfer receipt details data for each transfer requester, and total the receipt amount by requester Qualifying receivable amount calculation means for calculating the amount,
A qualifying trade receivable total amount calculating means for calculating a total qualifying receivable receivable amount obtained by adding up the qualifying receivable receivable amounts for all the transfer requesters included in the transfer receipt details data during a predetermined target period;
Calculate the ratio of the amount of eligible receivables to the total amount of eligible receivables for all transfer requestors included in the transfer receipt details data during a predetermined target period, and store the predetermined upper limit stored in the computer system For qualifying receivables of the transfer requester that does not exceed the ratio, the qualifying receivables are specified as qualifying receivables for each client, and the qualifying receivables of the transfer requester that exceed the upper limit ratio Qualifying accounts receivable amount specifying means for identifying the eligible accounts receivable amount for each client as zero,
A qualifying receivable amount total calculating means for calculating a qualifying receivable amount total amount obtained by adding up the qualifying receivable amounts for all the transfer requesters included in the transfer receipt details data during a predetermined target period;
A loanable reference amount calculating means for calculating a loanable reference amount by multiplying the total amount of eligible receivables by a predetermined multiplication stored in the computer system;
A loanable limit specifying means for specifying a smaller amount as a loanable limit amount in comparison with a loan maximum amount and the loanable reference amount for the loan destination stored in the computer system;
A loan limit calculation system characterized by comprising: Exclusion destination storage means for storing an exclusion destination excluded from the calculation target of the loan limit amount;
Transfer payment details to be excluded from the calculation of the loan limit by determining whether the transfer requester recorded in the transfer payment details data is a transfer requester stored as an exclusion destination in the exclusion destination storage means An exclusion destination identifying means for identifying data,
The qualifying trade receivable total amount calculating means calculates the qualifying receivable receivable amount for the transfer requester specified as the transfer receipt details data to be excluded from the loan limit calculation target, The loan limit calculation system according to claim 6 or 7, characterized in that it is excluded from the above. A full-destination storage means for storing a full-destination where the total amount of eligible receivables receivable is included in the eligible receivables amount excluding the application of the upper limit ratio;
It is determined whether the transfer requester recorded in the transfer payment details data is a transfer requester stored as a full amount destination in the total amount storage means, and the upper limit ratio is calculated in the calculation of the eligible receivable amount. A full-destination identification method for identifying a transfer requester who excludes eligible accounts receivable from the scope of application,
The qualifying receivable amount specifying means, with respect to the transfer requester specified as the transfer requester excluded from the application of the upper limit ratio, the qualifying receivable amount related to the transfer requester with respect to the total eligible receivable receivable amount The credit limit according to any one of claims 6 to 8, wherein even if the ratio exceeds the upper limit ratio, the qualifying receivable amount is specified as a qualifying receivable amount for each client. Amount calculation system. The transfer deposit details acquisition means sets up a plurality of target periods for one loan and acquires the transfer deposit details data,
10. The qualifying receivable total amount calculating unit calculates a total value of qualifying receivable total amounts calculated in each target period as a qualifying receivable total amount. Loan limit calculation system.