JP2007179125A - Securities collateral management system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a securities collateral management system for performing collateral management without setting up the right of pledge though under a scheme supposing the posterior of the non-issue of securities without making it necessary for a creditor to perform the deposition of securities, the accident stock collation of securities, authenticity check, real stock holder constitution, interest redemption money, the right maintenance of dividend or the like, the disposal of securities, collateral management, and the management of specific account or the like. <P>SOLUTION: This securities collateral management system is provided with a collateral payment/repayment database; an assignor balance database; a creditor collateral management database; a registration check means; a creditor collateral management data updating means; a market price information retrieving means for retrieving market price information data matched with the conditions of the creditor collateral management data from an external market price information data storage part based on the creditor collateral management data; an asset value calculating means for calculating the asset value of the collateral object securities based on the market price information data; and an asset value transmitting means for transmitting the result of the asset value calculation means to the creditor. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a security collateral management system, and more particularly to a security collateral management system that manages the asset value of a securities that are collateral objects when receiving a loan.

  After several years, the stock certificates will be digitized. After that, all the stock certificates will be invalidated, and the name holder will be the owner and the name transfer agent such as a trust bank will manage it in a special account. Yes. Therefore, even if stock certificates are deposited as collateral, the security effect will be lost after the digitalization of stock certificates.

  In addition, the assigned bonds are not issued, but become the owner by entering them in the transfer account book provided by the account management institution, but in order to secure this, the transfer account book in the name of the creditor It is necessary to describe. When written in the account book, the ownership is transferred to the creditor, and all fruits such as principal and interest belong to the creditor.

  Conventionally, as a method to realize the security of such securities after digitization of stock certificates and the acceptance of collateral of assigned government bonds, it becomes an account management mechanism to open a pledge setting account and deposit and manage securities A method of opening an account in the Account Management Organization and depositing and managing securities as a pledge setting account, and a method of opening an account in the Account Management Organization and depositing securities and managing them as transfer collateral Yes.

  However, the method of opening a pledge-setting account and depositing and managing securities by becoming an account management organization is expensive because it opens the organization account, establishes infrastructure, and secures personnel. In addition, there is an increase in operations such as real shareholder management, balance management, and sales, and other issues such as the name of the debtor being disclosed to the operating company and the need for administrative procedures for setting pledges. is there.

  In addition, in the case of the method of opening an account at the Account Management Organization and depositing and managing securities as a pledge setting account, there is no need to deal with the opening of the Organization Account, the establishment of the Organization Infrastructure, or the sale, but Costs for securing personnel, authenticity of securities, real shareholder management, balance management, and other issues, the issue of obligor names being disclosed to operating companies, and the need for administrative procedures for setting pledges remain .

Furthermore, in the case of the method of opening an account with the Account Management Organization and depositing securities and managing them as transfer collateral, it can be carried out by a small number of business personnel, and there is also a need for administrative procedures for balance management, real shareholder management, and pledge setting However, the name of the debtor is not disclosed to the operating company, but it still requires administrative procedures for authenticity of securities, loan balance management, and transfer collateral setting.
JP 2004-151900 A

  The present invention has been made under the above background. Deposit of securities, accidental stock verification of securities, authenticity check, real shareholder system, redemption of interest, distribution of dividends, etc., disposal of securities Securities that can manage collateral without setting up pledges, even though the creditor does not perform collateral management, specific account management, etc. An object is to provide a collateral management system.

  The present invention relates to collateral-targeted securities data indicating the contents of collateral details of a collateral securities that are securities to be collateralized at the time of receiving a loan and items described in creditors, Stores collateral insertion / return database for storing consignor code data indicating the consignor, and consignor balance data indicating the balance of the securities based on the transfer completion notification displayed on the vibration control mechanism terminal. Consignor balance database, creditor collateral management database for storing creditor collateral management data indicating management collateral of creditors based on the balance of securities shown in the consignor balance database, and the collateral insertion The ratio between the consignor code and brand code stored in the return database and the consignor code and brand code stored in the consignor balance database. Then, based on the enrollment balance data of the entrustor balance database checked by the registration check means, the registration check means for checking the presence / absence of registration of the related data of the collateral subject securities data and the entrustor balance data, Based on creditor collateral management data updating means for updating creditor collateral management data in the creditor collateral management database, and creditor collateral management data in the creditor collateral management data updated by the creditor collateral management data updating means Based on the market price information data searched by the market price information search means, the market price information search means for searching the market price information data that matches the condition of the creditor collateral management data from the external market price information data storage unit, Asset value calculation means for calculating the asset value of the collateral securities, and the asset value calculation Securities collateral management system comprising: the asset value transmitting means for transmitting a result of the means to the creditor, and with a the above-mentioned problems are eliminated.

  According to the present invention, there are effects such as reduction of pledge management and promotion of deposit for the vibration control mechanism and the Bank of Japan, and for creditors, reduction of collateral management office work and release from physical securities management. , Sales support, specialization in compliance, and flexibility in management strategy. In addition, the debtor has the effect of simplifying voluntary sale, speeding up financing and settlement.

  Hereinafter, the best mode for carrying out the present invention will be described in detail with reference to FIG. FIG. 1 is a configuration diagram showing an outline of a securities collateral management system according to the best mode for carrying out the present invention.

  The security collateral management system according to the present invention includes a CPU, ROM, RAM, input device, output device, collateral insertion / return database 1, entrustor balance database 2, and creditor collateral management database 3. Are connected via a bus. The CPU controls the securities collateral management system in accordance with a program stored in a storage device such as a ROM or RAM.

  The CPU has a storage unit called a register. Various functions of the security collateral management system are exhibited by reading a program from a ROM, a RAM, or the like into the register and operating according to the program.

  The ROM is a read-only storage device that stores programs and data for the CPU to perform various calculations and controls. The CPU can read programs and data from the ROM, but generally does not rewrite or erase them.

  The RAM is a storage device using a semiconductor element used as a working memory for the CPU. The CPU can write and erase programs and data in the RAM. In the best mode for carrying out the present invention, an area necessary for arithmetic processing, such as a CPU generating a cluster, can be secured in the RAM.

  The input device is composed of devices such as a keyboard and a mouse, for example. The input device is a device for inputting various data such as characters and numbers to the securities collateral management system, and is used when the person in charge performs a predetermined input operation on the securities collateral management system.

  The keyboard is composed of keys for inputting kana and English characters, numeric keys for inputting numbers, various function keys, cursor keys, and other keys. A mouse is a pointing device.

  When operating the securities collateral management system using a GUI or the like, predetermined information can be input by clicking a button or icon displayed on the display with a mouse.

  In addition, you may make it use the apparatus which has a handwritten character recognition function as an input device. This is a device having a function of recognizing and inputting characters written with a special pen on a tablet or the like. As other input devices, a digital camera, a scanner, a tablet, a joystick, a video input device, an audio input device, a barcode reader, or the like may be used.

  The output device is a device that externally outputs the result processed in the securities collateral management system. The output device is configured by a display, a printer, or the like for outputting the processing result as a recognizable character, number, image, or the like.

  The display is a device for displaying information on a screen, which is composed of, for example, a CRT display, a liquid crystal display, a plasma display, or the like. The display displays a field for inputting a character string and a predetermined option when the person in charge uses the securities collateral management system.

  The printer is a device that prints out a processing result in the security collateral management system, and includes, for example, various printer devices such as an ink jet printer, a laser printer, a thermal transfer printer, and a dot printer. In addition, a plotter, an audio output device, or the like may be used as the output device.

  Next, details of the collateral insertion / return database 1 will be described. The collateral insertion / return database 1 includes at least collateral-targeted securities data indicating the details of the collateral details of the collateral-targeted securities that are the collateral-targeted items and the items described by the creditors, and the collateral-targeted securities. It stores consignor code data indicating the consignor of the securities.

  Collateralized securities data is a collection of data related to collateral details relating to collateral insertion / return, sent when creditors use the collateral securities management system. Then, it is composed of an insertion / return category, a brand code, a quantity, and an insertion / return date. These are information input based on the contents described in the collateral insertion / return details.

  As the insertion / return category, for example, data such as 1 is registered for a procedure related to collateral insertion, and 2 is registered for a procedure related to return. As the brand code, for example, a four-digit unique number indicating the brand designated for the relevant securities is registered. As the quantity, for example, data indicating the number of transactions of securities provided as collateral is registered. As the collateral insertion / return date, for example, data indicating the date on which the debtor makes a balance transfer request to the securities protection securities company is registered.

  The consignor code data is data generated by executing the collateral specification automatic acquisition process based on the collateral target securities data. In this securities collateral management system, asset value management of securities to be collateralized is performed mainly based on this consignor code data.

  The collateral insertion / return database 1 stores data relating to these insertion / return categories, brand codes, quantities, insertion / return dates, and consignor code data for each creditor.

  The creditors are identified by identifiers such as ID numbers, ID character strings, serial numbers, etc., set by the operator of the collateralized securities management system. The association between these identifiers and creditors is strictly managed by the operator of the collateralized securities management system.

  Next, details of the entrustor balance database 2 will be described. The entrustor balance database 2 stores at least balance data confirmed by the vibration control mechanism terminal and entrustor code data indicating the entrustor of the collateralized securities.

  The balance data is a collection of data related to securities that the brokerage firm ordered to transfer the balance to the JHF at the request of the debtor. This balance data can be broadly divided into the stock code, quantity, and year of increase. Consists of days. These are information input based on the contents confirmed by the vibration isolating mechanism terminal. Since the brand code, quantity, date of increase, and consignor code data are the same as the contents of the collateral insertion / return database 1 described above, description thereof is omitted.

  Next, details of the creditor collateral management database 3 will be described. The creditor collateral management database 3 stores at least the same balance data as the consignor balance database 2 and processing date data indicating the date of insertion of the security target securities. The processing date data is automatically acquired based on the calendar of the securities collateral management system.

  Next, the market price information data storage unit 4 shown in FIG. 1 will be described. The market price information data storage unit 4 is constituted by a storage device that stores at least data such as market price information of securities, and functions as a market price information data storage unit.

  In addition, the market price information data storage unit 4 is connected to the securities collateral management system via the Internet, and the data stored in the market price information data storage unit 4 is updated by a stock newspaper company. ing.

  Next, the asset value management processing for the collateralized securities in the securities collateral management system having the above-described configuration will be described. First, a consignor who is a debtor submits a collateral insertion details to a creditor and makes a balance transfer request to a securities protection securities company. Upon receiving the request, the securities company issues a securities transfer instruction to the custody transfer organization.

  The creditor who accepts the collateral insertion details creates collateral transfer details data and transmits it to the securities collateral management system by e-mail. The securities collateral management system that has received the e-mail from the creditor acquires the collateral movement details data and updates the collateral insertion / return database 1 based on the data. On the other hand, the person in charge of the securities management system records an increase in the entrustor balance database 2 after confirming the transfer completion at the vibration control mechanism terminal.

  This securities collateral management system checks whether or not related data in the collateral insertion / return database 1 and the entrustor balance database 2 are registered. When there is registration of related data, the creditor collateral management database 3 is updated or decreased based on the data, and the insertion code of the corresponding data on the consignor balance database is updated.

  Next, the updated data on the creditor collateral management database 3 is evaluated by the external market price information data storage unit 4, and the information is transmitted to the creditor by e-mail. By confirming such a message, the creditor can appropriately grasp the current state of the asset value of the collateralized securities. Since the creditors who are lending can grasp the appropriate value of the asset value of the collateralized securities, appropriate risk management such as quick loan suspension processing becomes easy.

  The asset value management process for the series of securities subject to collateral described above is performed not only when instructed by the person in charge, but also periodically at times arbitrarily set using the timer function provided in the securities collateral management system. Can be done.

  Further, the asset value management processing for the collateralized securities may be performed in accordance with the data update status, for example, at the timing when at least one content of the database is updated.

  The processing executed in the CPU described above is a securities collateral management program, and this securities collateral management program can be stored in a machine-readable storage medium. Examples of the storage medium include CD-ROM, DVD-ROM, and MO.

  Although the present invention has been described in some detail with respect to its most preferred embodiments, it will be apparent that a wide variety of different embodiments can be constructed without departing from the spirit and scope of the invention, the invention being defined by the appended claims. It is not restricted to the specific embodiment other than limiting in.

It is the block diagram which showed the outline of the securities collateral management system concerning this invention.

Explanation of symbols

1 Collateral insertion / return database 2 Consignor balance database 3 Creditor collateral management database 4 Market value information data storage

Claims (1)

Indicates the collateral securities data showing the details of the collateral details of the collateral securities, which are the securities that are the collateral subject to the loan, and the creditor description, and the consignee of the collateral securities Collateral insertion / return database for storing consignor code data,
A consignor balance database for storing consignor balance data indicating the balance of securities based on the transfer completion notification shown on the vibration control mechanism terminal;
A creditor collateral management database for storing creditor collateral management data indicating the management collateral of the creditor based on the balance of securities shown in the entrustor balance database;
Compare the collateral code and brand code stored in the collateral insertion / return database with the broker code and brand code stored in the custodian balance database to compare the collateral target securities data and the A registration check means for checking the presence / absence of registration of related data of the consignor balance data;
Creditor collateral management data updating means for updating creditor collateral management data in the creditor collateral management database based on the entrustor balance data in the consignor balance database checked by the registration check means;
Based on the creditor collateral management data in the creditor collateral management database updated by the creditor collateral management data updating means, the market price information data that matches the conditions of the creditor collateral management data from the external market price information data storage unit Market price information search means for searching for,
Asset value calculation means for calculating the asset value of the collateralized securities based on the market price information data searched by the market price information search means;
Asset value transmitting means for transmitting the result of the asset value calculating means to a creditor;
A securities collateral management system characterized by comprising:

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