JP2006164227A - Auction dividend calculating method, and data for calculating dividend - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a real-estate registration equity processing method for enabling an instantaneous calculation of a possible value which can be received by a creditor when an auction procedure is to be applied. <P>SOLUTION: The real-estate registration equity processing method has a property precedence file and a credit precedence file each provided as an individual database for enabling dividend calculation, wherein the property precedence file has a real rank, property number, credit number, and tentative calculation value data with respect to information in which the real rank being existing in every combination between the property and the credit, and is configured by adding each index key in order of the real rank, the property number, and the credit number, and the credit precedence file has a real rank, credit number, property number, dividend, and tentative calculation value data with respect to information in which the real rank being existing in every combination between the credit and the property, and is configured by adding each index key in order of the real rank, the credit number, and the property number. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention automatically calculates the dividend amount for each claim right by calculating the dividend of the auction amount associated with the auction based on the relevant laws such as the Civil Code of real estate properties such as land and buildings, or calculating the dividend forecast based on the target property expected price. The present invention relates to an auction dividend calculation method. Further, the present invention relates to payout calculation data for performing payout calculation.

At present, in order to determine the dividend amount according to the priority subordination of the dividend right from the winning bid price determined by the auction, processing based on a calculator, paper, and human power is performed. However, the calculation of the dividend amount is various and requires an enormous amount of time. In particular, when a processing error is found in part, recalculation is required, which is confusing to the person in charge. Even if the auction is decided, the auction process cannot be completed unless the payout calculation is completed. The massive auction case caused by the bursting of the bubble has exceeded the court's processing capacity, and the auction process is being delayed significantly nationwide. One reason for this is the complexity of calculating dividends. In addition, as seen in the bank failure, unpaid bad loans are currently an obstacle to economic revitalization in Japan. When organizing bankruptcy loans, it is a daily method to deal with voluntary sale of properties without auction. However, the current situation is that it takes time to evaluate the collateral held by the right holder of the optional sale property. For this reason, there was a problem that the liquidation of real estate stagnated and the economy could not be activated from this aspect.
In addition, there has been an invention of a real estate collateral management system that employs a simple prior order deduction method (see Japanese Patent Laid-Open No. 7-306890). However, it cannot be applied.
Japanese Patent Laid-Open No. 7-306890

  The present invention has been made in view of the above points, and the purpose of the present invention is to provide information on the collateral reserve capacity in the form of an expected dividend amount, and to provide an approximately method based on the conventional prior claim deduction method. The auction dividend calculation method, which is required as an auction dividend calculation method that more closely matches the actual situation, allows banks to make loans more quickly and appropriately, and the FSA's self-assessment of banks is more accurate. It is possible to receive an evaluation as a highly scientific method, and it is possible to calculate the amount that a creditor may receive in the case of an auction procedure, which may be received by the creditor It can be used very usefully as a tool that allows you to determine an amount greater than or equal to the amount to be paid, and if you want to determine whether a loan can be made at a financial institution such as a bank, the expected dividend amount Asked instantly, it is to provide an auction dividend calculation method that allows to be able to contribute to the reconstruction of the Japanese economy in the emergency situation to be able to quickly process take advantage of the decision of the loan. Another object is to provide data that makes it possible to calculate auction dividends.

The auction dividend calculation method according to claim 1 is:
In order to make it possible to calculate dividends, each has been set up as a separate database.
It is attached to information that has a substantive ranking for each combination of property and receivable, and has data on substantive ranking, property number, receivable number, and provisional calculation value, and index keys are added in the order of the substantive ranking, property number, and receivable number Property priority file configured as
Attached to information that has a substantive ranking for each combination of receivables and properties, has data of substantive ranking, receivable number, property number, dividend, and provisional calculation value, and indexes in the order of the said real ranking, receivable number, and property number Receivable priority file configured with a key,
A property file having data of property number, property original price, property residual price, provision subtotal, provisional calculation value, and an index key attached to the property number;
Using a claim file, a claim file that has data of claim number, original claim claim amount, balance of remaining claim, dividend amount, dividend subtotal, provisional calculation value, and an index key attached to the claim number,
When calculating dividends for claims of the same substantive rank, the central processing unit, based on the instructions of the program,
(1) If the property priority file data has the same real ranking, property number, and multiple receivable numbers, the remnant price corresponding to the property number is prorated by the receivables, and the receivables in the receivable file Setting a provisional calculation value corresponding to the number;
(2) Next, if there is data with the same real rank, the same receivable number, and multiple property numbers for the data of the above-mentioned receivable priority file, the sum of the residual property price for each receivable of the same substantial rank (or a provisional calculation value of the receivable file) Comparing the remaining balance of the receivable with
(3) If the total of the remaining property price (or provisional value in the receivable file)> the remaining receivable amount, the total remaining property price is apportioned by the corresponding receivable, allocated to the remaining property price of the property, and the receivable file Receivable balance / dividend / subtotal subtotal / provisional value, property file property remaining price / property provision subtotal / provisional value, property priority file provisional calculation, receivable priority file dividend / provisional calculation Adding / subtracting to the item,
(4) If the total of the remaining property value (or provisional value in the receivables file) = the remaining amount of the receivable, the total remaining property price is allocated to the corresponding receivable, and as a result, the remaining property price of the property is allocated, Receivable balance / dividend / subtotal subtotal / provisional value in the receivables file, residual property price / property subtotal / provisional value in the property file, provisional calculation value in the property priority file, dividend / temporary calculation in the credit priority file Adding / subtracting to the corresponding item of value;
(5) If the total of the remaining property prices (or provisional value in the receivables file) <the remaining amount of the receivables, the relevant receivables are apportioned by the remnant residual prices, applied to the receivables and allocated to the remnant property prices. , Receivable balance / dividend / dividend subtotal / provisional value in property file, property residual price / property subtotal / provisional value in property file, provisional value in property priority file, dividend priority file / Adding and subtracting the corresponding item of the provisional calculation value;
(6) a step of returning to step (2) again when there is a balance of receivables in receivables of the same substantive rank and a property residual price exists;
By using the property priority file with index keys in the order of the above property numbers and receivable numbers, and using the sort function of the database, it is possible to make a prorated calculation for multiple receivables with the same real rank and the same property. ,
By using the credit priority file with index keys in the order of the above credit number and property number, and using the sort function of the database, it is possible to make a prorated calculation for joint collateral with multiple properties with the same substantive ranking and the same credit. It is characterized by that.
Dividend calculation data according to claim 2 is a dividend calculation that makes a prorated calculation for the same real ranking, the same property with multiple receivables, and a prorated calculation for the same substantive ranking, joint collateral with the same receivable and multiple properties Dividend calculation data with two databases used for
Consists of substantive ranking, property number that identifies the property, receivable number that identifies the receivable, and provisional calculation data used as work data when calculating dividends, and an index key is added in the order of the substantial ranking, property number, and receivable number By configuring the property priority file, which can be prorated for the same real ranking, the same property and multiple claims,
Consists of the substantive rank, the receivable number, the property number, the dividend amount specified for the receivable and the property, and data of provisional calculation values used as work data at the time of calculating the dividend, and in the order of the substantive rank, the receivable number, and the property number It is characterized by comprising an index key and a credit priority file that enables a proportional calculation of joint collateral for a plurality of properties with the same substantive ranking and the same credit.

  Information on the right to pay dividends, information on properties to be auctioned, information on the ranking of dividends, and information on registration acceptance date, registration acceptance number, superiority or inferior date of legal delivery date in a format that makes it possible to calculate dividends This is a feature of the present invention. In addition, it is possible to sequentially calculate the dividend amount corresponding to the target property according to the dividend right and sequentially determine the dividend amount based on the priority condition and the priority condition sequentially from the first priority order and the initial date. If this is accumulated for each dividend right, it becomes the final dividend of the dividend right, and the total allowance for dividends for each property is obtained by accumulating for each property. The calculation result can be displayed on the screen as a list by property and by dividend right, or printed separately as a dividend calculation example diagram.

According to the auction dividend calculation method according to the present invention, a property priority file with an index key in the order of property number and claim number is used, and a plurality of databases with the same real rank and the same property are utilized by utilizing the sort function of the database. Proportional calculation is possible for those with claims,
By using the loan priority file with index keys in the order of bond number and property number, and using the database sort function, it is possible to make a prorated calculation for joint collateral with multiple assets with the same substantive ranking and the same bond. By doing so, it becomes complicated to determine the dividend amount according to the priority subordination of dividend rights, and it is possible to quickly calculate a wide variety of auction dividends, especially when some processing mistakes are found, it is necessary to calculate again When necessary, it is easily and quickly corrected, and the dividend calculation processing capacity is greatly increased. As a result, it is expected that real estate will be promoted and the contribution to the stagnant economy will be greatly enhanced.

  In addition, if the auction dividend calculation method according to the present invention is used, it will be possible to provide information on the collateral reserve in the form of the expected dividend amount, so it is more actual than the conventional method using the prior-order credit deduction method. It is required as a method in line with The function of this method can be expected to be evaluated as a more accurate scientific method by allowing banks to make loans more quickly and appropriately, and the self-assessment of banks promoted by the Financial Services Agency.

  And as seen in the bank failure, unpaid bad loans are currently an obstacle to economic revitalization in Japan. When organizing bankruptcy claims, it is a routine method to deal with voluntary sale of properties without auction. However, the current situation is that it takes time to evaluate the collateral held by the right holder of the optional sale property, and if the auction dividend calculation method according to the present invention is used, the possibility that the creditor can receive it in accordance with the auction procedure. Can be calculated instantaneously, so it can be used very effectively as a tool to determine the amount of money more than this amount, which can contribute to the recovery of the Japanese economy in an emergency situation.

  In addition, when a financial institution such as a bank determines whether or not a loan is possible, the fact that an expected dividend amount is instantly obtained means that a loan decision can be quickly processed and utilized. Therefore, it is possible to prepare for the risk of bankruptcy by using a scientific prescription from “donburi processing” in the processing of collateralized property that has been harmful to the bubble. In addition, according to the data for dividend calculation according to the present invention, a prorated calculation for the same real ranking and the same property with multiple receivables, and a prorated calculation for the same collateral ranking and the same collateral and multiple properties with the same receivable Is possible.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a configuration diagram of an auction dividend calculation method based on the relevant law of the present invention, and FIG. 2 is a processing flow of the auction dividend calculation method.
The auction dividend calculation processing program based on the relevant law is read into the central processing unit (CPU). The original composition data of dividend rights and the original composition data of the auction property are read from the input device, written to the file device as a credit property original file, and the original configuration data that determines the order of receiving dividends is read from the input device, which is also the collateral bond order Write to a file device as a file.
Print the dividend calculation result from the output device.

The contents of the file are as follows.
Receivables source file content Dividend rights information (Records information on dividend rights such as debtors, creditors, amount available for dividends, interest amount, damages, etc.)
Property price information (recorded auction price or expected price)
Auction cost information (Common auction costs and individual auction costs are recorded.)
Collateral receivables ranking original file content registration acceptance date (or legal due date)
Registration registration number Real ranking article number (automatic numbering in this method in ascending order)
Bond number (automatic numbering in this method in ascending order)

In order to process the above-mentioned various file data and calculate dividends according to the present invention, the following credit keys are attached as index files, property files, collateral bond ranking files, bond priority files, property priority files. Is written from the CPU to the file device. The components of the five files are as follows.
Claim File Contents Claim Number 1 Key Original Claim Claim Data Department Receivable Balance Data Department Dividend Amount Data Department Dividend Subtotal Data Department (Total Dividend Amount)
Temporary calculation data section (work data at the time of calculation)
Property file contents Property number 1st key Original property price data section Residual property price data section Subtotal for the determined amount Data section (cumulative amount accumulated)
Temporary calculation data section (work data at the time of calculation)

Secured loan ranking file contents Registration acceptance date (statutory due date) First key Registration acceptance number Second key Substantive ranking Third key
Property number 4th key Claim number 5th key Claim priority file contents Registration acceptance date 1st key Substantive ranking 2nd key Claim number 3rd key
Property number 4th key Dividend amount 5th key Temporary calculation data section (work data at the time of calculation)
Property priority file contents Registration acceptance date 1st key Substantive ranking 2nd key Property number 3rd key Claim number 4th key Temporary calculation data section (work data at the time of calculation)
Auction costs are filed with the highest priority, collateralized claims register ranking, tax arrears due, statutory due date, and the entire seized receivable as a subordinated debt.

Next, the payout calculation processing sequence will be described using the payout calculation flowchart shown in FIG. 2, and steps 1 to 5 are shown as examples of the auction case payout calculation table.
Flow chart (1)
Enter information on dividend rights such as debtors, creditors, possible dividends, interest, damages, auction amount or expected amount, and auction costs, such as collateral claims information, property price information, and auction cost information. Read from the device, write it to the original property file with the basic index, and then determine the superiority or inferiority of the dividend calculation. Each property and each collateral receivable registration acceptance date (or legal payment deadline), registration acceptance The numbers and substantive rankings are artificially numbered, and the property numbers and receivable numbers are written as a database to the secured receivables ranking original file as original data with an index of dividend superiority or inferiority.

Flow chart (2)
As a file for adding the payout amount determined in the middle of each payout calculation to the payout right, a credit file with an index as an initial operation is written as a database.

Flow chart (3)
As a file to be added to the provision amount for each property determined in the middle of each dividend calculation, a property file with an index as an initial work is written as a database.

Flow chart (4)
As work files for facilitating the calculation of dividends, a credit priority file, a property priority file, and a collateral bond ranking file, which are indexed as initial operations, are written as a database.

Flow chart (5)
The common cost required for the auction is allocated and allocated by the property price, and the auction cost of the specific property is allocated to the property and written in the claim file, property file, claim priority file, and property priority file. As an example when apportioning the auction costs, an auction case dividend calculation table is shown in Table 1 as step 1.

Flow chart (6)
Registration date (statutory deadline), registration receipt number, real ranking in ascending order of date, ranking number in ascending order, subordinate in descending order of subordinate ranking, property file, collateral claim ranking file, claim priority file, property Although the priority file is filed as a database, data is read one by one from the bond file to calculate the dividend, and is set as the registration acceptance date during processing and the actual ranking during processing.

Flow chart (7)
Extract real estate and dividend receivables in the same rank as the data being processed from the secured receivables rank file.

Flow chart (8)
When there is another property in the dividend receivable being processed, the property price is apportioned by the remaining dividend receivable and set as a provisional calculation value in the receivable file. As an example in the case of the same ranking processing according to the dividend right, it is shown in Table 3 as 1 in Step 3.

Flow chart (9)
The total property residual price for each bond being processed is compared with the corresponding dividend receivable balance, and the processes of flowcharts (10), (11), and (12) are performed according to the magnitude.

Flow chart (10)
If the dividend receivable is the total remaining property price (or provisional value in the receivables file)> the applicable dividend receivable remaining amount, the total remaining property right price is apportioned by the dividend receivable and allocated to the remaining property price. , Add / subtract to the corresponding items in the secured loan ranking file and the loan priority file. As an example in the case of the same ranking processing by dividend right, the auction case dividend calculation table is shown in Table 4 as step 3-2. As an example of calculating the dividend for the simple dividend right, the auction case dividend calculation table is shown in Table 6 as Step 4.

Flow chart (11)
If the dividend receivable is the total remaining balance of property rights (or the provisional calculation value of the receivable file) = the corresponding dividend receivable balance, the total remaining balance of the property right is allocated to the dividend receivable, and as a result, the remaining balance price of the property is allocated to the receivable file, Addition / subtraction to the relevant items in the property file, secured loan ranking file, and loan priority file.

Flow chart (12)
If the dividend receivable is the total remaining property right price (or provisional value in the receivable file) <the applicable dividend receivable balance, the dividend receivable is apportioned by the property residual price, applied to the dividend receivable amount and allocated to the auction property price, Addition / subtraction to the relevant items in the bond file, property file, collateral bond ranking file, and loan priority file. As an example in the case of the same ranking processing according to the dividend right, the auction case dividend calculation table is shown in Table 3 as 1 in Step 3.

Flow chart (13)
If there is a residual debt in the property receivable and the property residual price exists during the processing of the same rank, the processing returns to the processing of the flowchart (8) again. As an example in the case of re-processing by the same rank according to dividend rights, the auction case dividend calculation table is shown in Table 5 as step 3-3.

Flow chart (14)
In order to move to the next rank process, the collateral bond rank data is read and the process rank is increased by one.
In this example, as shown in Table 6 in the auction case dividend calculation table, step 4, the five collateral root mortgages are shown in the flowchart (7), flowchart (8), flowchart (9), and flowchart (10). This is the calculation of dividends for rights.

Flow chart (15)
It is determined whether or not all the processes are completed. If there is remaining data, the flowchart (8) is repeated.
) To return to processing. As an example of showing the final result, the auction case dividend calculation table is shown in Table 7 as Step 5.

It is an auction dividend calculation system configuration diagram based on the relevant law of the present invention. 3 shows an auction dividend calculation flowchart according to the present invention.

Claims (2)

In order to make it possible to calculate dividends, each database has been set
It is attached to information that has a substantive ranking for each combination of property and receivable, and has data on substantive ranking, property number, receivable number, and provisional calculation value, and index keys are added in the order of the substantive ranking, property number, and receivable number. Property priority file configured as
Attached to information that has a substantive ranking for each combination of receivables and properties, has data of substantive ranking, receivable number, property number, dividend, and provisional calculation value, and indexes in the order of the said real ranking, receivable number, and property number Receivable priority file configured with a key,
A property file having data of property number, property original price, property residual price, provision subtotal, provisional calculation value, and an index key attached to the property number;
Using a claim file, a claim file that has data of claim number, original claim claim amount, balance of remaining claim, dividend amount, dividend subtotal, provisional calculation value, and an index key attached to the claim number,
When calculating dividends for claims of the same substantive rank, the central processing unit, based on the instructions of the program,
(1) If the property priority file data has the same real ranking, property number, and multiple receivable numbers, the remnant price corresponding to the property number is prorated by the receivables, and the receivables in the receivable file Setting a provisional calculation value corresponding to the number;
(2) Next, if there is data with the same real rank, the same receivable number, and multiple property numbers for the data of the above-mentioned receivable priority file, the sum of the residual property price for each receivable of the same substantial rank (or a provisional calculation value of the receivable file) Comparing the remaining balance of the receivable with
(3) If the total of the remaining property price (or provisional value in the receivable file)> the remaining receivable amount, the total remaining property price is apportioned by the corresponding receivable, allocated to the remaining property price of the property, and the receivable file Receivable balance / dividend / subtotal subtotal / provisional value, property file property remaining price / property provision subtotal / provisional value, property priority file provisional calculation, receivable priority file dividend / provisional calculation Adding / subtracting to the item,
(4) If the total of the remaining property value (or provisional value in the receivables file) = the remaining amount of the receivable, the total remaining property price is allocated to the corresponding receivable, and as a result, the remaining property price of the property is allocated, Receivable balance / dividend / subtotal subtotal / provisional value in the receivables file, residual property price / property subtotal / provisional value in the property file, provisional calculation value in the property priority file, dividend / temporary calculation in the credit priority file Adding / subtracting to the corresponding item of value;
(5) If the total of the remaining property prices (or provisional value in the receivables file) <the remaining amount of the receivables, the relevant receivables are apportioned by the remnant residual prices, applied to the receivables and allocated to the remnant property prices. , Receivable balance / dividend / dividend subtotal / provisional value in property file, property residual price / property subtotal / provisional value in property file, provisional value in property priority file, dividend priority file / Adding and subtracting the corresponding item of the provisional calculation value;
(6) a step of returning to step (2) again when there is a balance of receivables in receivables of the same substantive rank and a property residual price exists;
By using the property priority file with index keys in the order of the above property numbers and receivable numbers, and using the sort function of the database, it is possible to make a prorated calculation for multiple receivables with the same real rank and the same property. ,
By using the credit priority file with index keys in the order of the above credit number and property number, and using the sort function of the database, it is possible to make a prorated calculation for joint collateral with multiple properties with the same substantive ranking and the same credit. An auction dividend calculation method characterized by: Dividend calculation with two databases used for distribution calculation for the same substantive ranking, the same property with multiple receivables, and for the same substantive ranking, joint distribution for multiple collateral with the same receivable and multiple properties Data,
Consists of substantive ranking, property number that identifies the property, receivable number that identifies the receivable, and provisional calculation data used as work data when calculating dividends, and an index key is added in the order of the substantial ranking, property number, and receivable number By configuring the property priority file, which can be prorated for the same substance, multiple receivables of the same property,
Consists of the substantive rank, the receivable number, the property number, the dividend amount specified for the receivable and the property, and data of provisional calculation values used as work data at the time of calculating the dividend, and in the order of the substantive rank, the receivable number, and the property number Dividend calculation data, characterized by comprising a credit priority file that enables a proportional calculation for joint collateral with a plurality of properties with the same substantive ranking and the same receivable by being configured with an index key.

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