JP2010113611A - Financial product simulation program and financial product simulation system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a financial product simulation program and a financial product simulation system capable of easily and quickly simulating a trend of a financial product that changes according to a change in an interest rate, by which a content, a character, and a risk of a financial product can be understood intuitively and visually. <P>SOLUTION: In order to simulate a trend of a financial product that changes according to a change in an interest rate, a computer functions as a storage means 2 for storing various data concerning the financial product and its interest rate, an arithmetic processing means 6 for acquiring necessary data from the storage means 2 and simulating a future trend of the financial product, a display means 3 for displaying an interest rate graph in which an expected future interest rate is set for each of predetermined periods by the arithmetic processing means 6, and a result graph in which the future trend of the financial product is simulated, and an operation means 5 for moving a variation point that can be varied on the interest rate graph displayed on the display means 3 by drag and drop. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a technology for simulating a financial product such as a loan product or a deposit product whose future payment amount or receipt amount changes in accordance with fluctuations in interest rates. The present invention relates to a financial product simulation program and a financial product simulation system that can be understood visually and visually.

  Conventionally, as a system for simulating the trend of financial products, for example, a loan repayment simulation system described in Japanese Patent Application Laid-Open No. 2006-309683 is known (Patent Document 1). In this loan repayment simulation system, a scroll bar is set for each item of loan conditions, and the loan conditions (borrowing amount, interest rate, repayment period) are changed by moving the scroll bar with a mouse. Then, a graph reflecting the simulation result is created.

JP 2006-309683 A

  However, the invention described in Patent Document 1 merely employs a configuration in which a scroll bar is moved by a mouse instead of a keyboard as means for inputting numerical values. Therefore, even if scroll bars are provided for numerical values that change with the passage of time, such as interest rates, the trend of interest rates themselves over the years and the relationship between changes in interest rates and simulation results are intuitive and visual. There is a problem that it cannot be grasped.

  Further, referring to FIG. 1 of Patent Document 1, for “initial interest rate”, “second interest rate”, and “third interest rate”, it is necessary to set an “application period” in which these interest rates are applied separately. . For this reason, in order to set various interest rates corresponding to a predetermined period, in addition to the work to set the interest rate value with the scroll bar, it is necessary to separately enter a numerical value for the applicable period from the keyboard. There is also a problem that the nature is bad.

  The present invention has been made to solve such problems, and can easily and quickly simulate the trend of financial products that change in response to fluctuations in interest rates. An object of the present invention is to provide a financial product simulation program and a financial product simulation system capable of intuitively and visually understanding risk.

  A financial product simulation program and a financial product simulation system according to the present invention include a storage means for storing a financial product and various data relating to the interest rate in order to simulate a trend of the financial product that changes in accordance with a change in interest rate. An arithmetic processing means for obtaining necessary data from the storage means and simulating the trend of future financial products, an interest rate graph in which the expected value of the future interest rate is set for each predetermined period by this arithmetic processing means, and a future financial Financial product simulation that causes a computer to function as a display means for displaying a result graph obtained by simulating a product trend, and an operation means for moving a variable point that can change on the interest rate graph displayed on the display means by a drag-and-drop operation Provided with program or above means The financial product simulation system, wherein the storage means stores an initial condition storage unit that stores initial conditions related to borrowing or depositing the financial product, and a starting point and an ending point of a fixed interest period for creating the interest rate graph. An interest rate graph data storage unit for storing interest rate graph data consisting of at least one of an interest rate value set in a period corresponding to the interest rate value and an interest rate value set in a period corresponding to each fluctuation point in the variable interest rate period, and each An interest rate data storage unit that stores interest rate data with an interest rate value applied for each unit period, and a principal amount and an interest amount for each unit to display a simulation result of future payments or deposits on a graph A result graph data storage unit that stores result graph data set in association with a period, and the arithmetic processing means includes: An interest rate graph data creation unit that creates the interest rate graph data by acquiring the initial condition from the initial condition storage unit, and interest rate data that creates the interest rate data by obtaining the interest rate graph data from the interest rate graph data storage unit A creation unit; an interest rate graph display unit that displays the interest rate graph on the display unit based on the interest rate graph data; a result graph data calculation unit that calculates the result graph data based on the initial condition and the interest rate data; A result graph display unit for displaying a result graph simulating a principal amount and an interest amount for each future unit period based on the result graph data on the display unit; and an arbitrary graph on the interest rate graph by the operation unit. When the changing point is moved, the fluctuation value of the interest rate according to the moving amount is calculated and the period of the period corresponding to the changing point A new interest value acquisition unit that adds to and subtracts from the interest value to obtain a new interest value, and when the new interest value acquisition unit acquires the new interest value, the interest rate graph is based on the new interest value. The data creation unit changes the interest rate value of the period corresponding to the changed fluctuating point in the interest rate graph data, and the interest rate graph display unit retransmits the interest rate graph to the display means based on the changed interest rate graph data. And the interest rate data creation unit changes the interest rate value of the period before and after the moved change point in the interest rate data based on the new interest rate value, and the interest rate data after the change and the initial condition are changed. The result graph data calculation unit recalculates the result graph data based on the result graph data, and the result graph display unit displays the result graph based on the result graph data after the recalculation. It is intended to re-display.

  In the present invention, the interest graph data creation unit may set both a fixed interest value and a variable interest value related to the change point for a boundary between the fixed interest period and the variable interest period.

  Further, in the present invention, when an arbitrary fluctuation point in the variable interest period is moved by the operation means, the interest data generation unit, the interest value of the moved fluctuation point and another adjacent to the fluctuation point Floating point interest rate values are obtained, and the difference between these interest rate values is divided by the number of unit periods between the two changing points to obtain the floating interest rate value per unit period. The number of unit periods calculated from the points may be multiplied, and the interest value in each period between the change points may be calculated by adding to or subtracting from the interest value at the change point.

  Further, in the present invention, the storage means associates with a refinancing / depositing condition storage unit that stores a refinancing condition or a reimbursement condition set for the financial product, and each unit period after refinancing or after refinancing. The refinancing / redepositing interest rate data storage unit that stores the refinancing / redepositing interest rate data set with the interest rate value, and the borrowing that simulates the principal amount and interest amount for each unit period after refinancing or after refinancing A refinancing / replacement graph data storage unit for storing refinancing / replacement graph data for displaying a reimbursement / replacement graph, wherein the arithmetic processing means is based on the refinancing condition or the repurchase condition. The refinancing / redepositing interest rate data creation unit for creating the refinancing / reimbursement interest rate data, the refinancing conditions and the refinancing / reimbursement interest rate data, or the reimbursement conditions and the refinancing / reimbursement Based on the refinancing / replacement graph data calculating unit for calculating the refinancing / reception graph data based on interest data, and the refinancing / reception graph data calculated by the refinancing / reception graph data calculating unit A refinancing / replacement graph display unit for comparing and displaying the refinancing / replacement graph in a display area of the result graph.

  According to the present invention, it is possible to easily and quickly simulate the trend of a financial product that changes in accordance with fluctuations in interest rates, and to intuitively and visually understand the content, nature, and risk of the financial product.

  Hereinafter, embodiments of a financial product simulation program 1a and a financial product simulation system 1 according to the present invention will be described with reference to the drawings. FIG. 1 is a block diagram showing a financial product simulation system 1 of the present embodiment. In this embodiment, the term “financial product” refers to the principal amount and interest amount according to changes in interest rates, such as loan products such as mortgages, deposit products such as pension type / compound interest management type, or foreign currency deposits. It is a concept that includes all products whose trends change. Of these, in the present embodiment, an explanation will be given by taking, as an example, a mortgage of an equal interest payment type in which the monthly repayment amount (a sum of principal and interest) is constant as a financial product.

  As shown in FIG. 1, the financial product simulation system 1 of the present embodiment mainly includes a storage unit 2 for storing the financial product simulation program 1a of the present embodiment and various data, and an interest rate graph and simulation results described later. Display means 3 for displaying a graph, input means 4 for inputting initial conditions and the like, operation means 5 for moving a fluctuation point on the interest rate graph, and controlling each of these constituent means and acquiring various data in the future And arithmetic processing means 6 for simulating the trend of financial products. Hereinafter, each constituent means will be described in more detail.

  The storage means 2 is composed of a hard disk, a flash memory, a RAM (Random Access Memory) and the like, and stores various data and functions as a working area when the arithmetic processing means 6 performs arithmetic operations. In the present embodiment, as shown in FIG. 1, the storage means 2 mainly includes a program storage unit 21, an initial condition storage unit 22, an interest rate graph data storage unit 23, an interest rate data storage unit 24, and result graph data. The storage unit 25, the refinancing / depositing condition storage unit 26, the refinancing / depositing interest rate data storage unit 27, and the refinancing / depositing graph data storage unit 28 are included.

  The program storage unit 21 is installed with the financial product simulation program 1a of the present embodiment. The arithmetic processing means 6 executes the financial product simulation program 1a, thereby causing the computer to function as the financial product system of this embodiment. Note that the usage form of the financial product simulation program 1a of the present embodiment is not limited to this configuration, and may be disclosed as a website on the Internet and used without being installed on the user's computer. .

  The initial condition storage unit 22 stores various initial conditions necessary for simulating the trend of financial products. In the present embodiment, an equal repayment type mortgage loan is described as an example of the financial product, so the initial condition storage unit 22 stores the type of mortgage (fixed interest rate selection type, variable interest rate type, lifetime fixed type). ), Borrowing amount, repayment period, borrowing year, initial interest rate and initial fixed interest rate period are memorized as initial conditions.

  The fixed interest rate selection type is a type that has a fixed interest rate for a predetermined period from the start of repayment, and then a variable interest rate. The floating interest rate type is a type in which the interest rate value changes every predetermined period according to the interest rate situation. The lifetime fixed type is a type in which the interest rate value is fixed at a constant value. Therefore, when the all-period fixed type is selected, it is not necessary to store the initial fixed interest period as an initial condition.

  In addition, when applied to a deposit product as a financial product, the initial condition storage unit 22 stores the type of deposit (fixed interest rate type, variable interest rate type, all-period fixed type), single interest / compound interest selection, deposit amount, deposit period, The deposit year, initial interest rate, initial fixed interest rate period, etc. may be stored as initial conditions.

  The interest rate graph data storage unit 23 stores interest rate graph data for displaying on the display means 3 an interest rate graph in which expected values of future interest rates are set for each predetermined period. In this interest rate graph data, at least one of a fixed interest period and a variable interest period is set, and an interest value is set in association with each period. Specifically, in the fixed interest period, a fixed interest value is set in the period corresponding to the start point and the end point. In the variable interest period, a variable point at which the interest rate can fluctuate for each predetermined period is set, and a variable interest value is set for the period corresponding to each variable point.

  In this embodiment, as will be described later, in order to accurately display the interest rate graph, both the fixed interest rate value and the floating interest rate value related to the changing point are associated with the boundary between the fixed interest rate period and the variable interest rate period. It is supposed to be set. In addition, in the floating interest rate period of the interest rate graph data in this embodiment, a variable point is set every 5 years. However, this is not limited to this, and if the interest rate is to be predicted in detail, the interval between the variable points is set short. However, if rough prediction is acceptable, the interval between the variable points may be set long.

  The interest rate data storage unit 24 stores interest rate data applied when simulating the trend of financial products. In this interest rate data, an interest value applied at the time of simulation is set for each unit period within the entire repayment period set as the initial condition. In this embodiment, the interest value is set in units of one year. However, the present invention is not limited to this configuration, and may be set in any unit period such as a half year unit.

  The result graph data storage unit 25 stores result graph data for displaying a result graph as a simulation result of the future payment amount or deposit amount on the display means 3. In the present embodiment, in the result graph data, the future principal amount, interest amount, payment amount, accrued interest amount, etc. calculated by the arithmetic processing means 6 as a mortgage simulation result are set for each unit period. . Further, at least the principal amount and the interest amount may be set as the result graph data.

  The amount of accrued interest is the amount of surplus when the monthly repayment amount exceeds the contracted interest due to the rise in interest rate when the mortgage with variable interest rate is selected in the “equal repayment of principal and interest” type. This is the amount of interest. Further, when a deposit product is simulated, the principal amount, the interest amount, and the deposit amount are stored as result graph data.

  The refinancing / depositing condition storage unit 26 stores refinancing conditions or depositing conditions set for the financial product. In the present embodiment, the refinancing / depositing condition storage unit 26 stores mortgage refinancing conditions. Specifically, the mortgage type (fixed interest rate type, variable interest rate type, fixed term for all periods), refinancing year, initial interest rate and initial fixed interest rate period are stored as the refinancing conditions.

  The refinancing conditions are not limited to the above, and a repayment amount at the time of refinancing may be set. As a result, for example, if there is a remaining principal of 21 million yen at the time of refinancing, it is possible to cope with a simulation of repaying 1 million yen from the funds on hand and refinancing a mortgage with the principal amount of 20 million yen. Furthermore, it is possible to handle a simulation of refinancing a mortgage loan with a principal amount of 22 million yen by adding 1 million yen as a refinancing fee. When a deposit product is simulated, a deposit year, deposit interest rate, deposit period, etc. are set as deposit conditions. When simulating foreign currency deposits, the type of currency (US dollar, euro, Australian dollar, British pound, etc.) is further set and used to calculate foreign exchange gains.

  The refinancing / depositing interest rate data storage unit 27 stores refinancing / depositing interest rate data as an interest rate applied to a simulation when a financial product is refinanced or redeemed. In the present embodiment, the interest rate is set in the refinancing / depositing interest rate data in association with each unit period after refinancing or after depositing. In the present embodiment, the interest rate is set in units of one year as in the interest rate data, but the unit period may be arbitrarily set such as a unit of six months.

  The refinancing / replacement graph data storage unit 28 stores refinancing / replacement graph data for displaying the refinancing / replacement graph as a simulation result after refinancing or reimbursement on the display means 3. is there. In the present embodiment, the refinancing / depositing graph data includes the principal amount, interest amount, payment amount, accrued interest amount, etc. calculated by the processing means 6 based on the refinancing conditions and the refinancing / depositing interest rate data. We have for each unit period. In addition, when a deposit exchange simulation of a deposit product is performed, the refinancing / replacement graph data includes the principal amount, interest amount, and It will have a deposit amount.

  The display means 3 is composed of a liquid crystal display, a CRT display, or the like, and displays an interest rate graph, a simulation result, and the like. In the present embodiment, as shown in FIG. 1, the display means 3 mainly includes an initial condition input field, an interest rate graph, a result graph, a refinancing / depositing condition input field, a refinancing / recharging graph, The detailed information display field is displayed.

  In this embodiment, an example of the screen displayed on the display means 3 is shown in FIG. The initial condition input column has a pull-down menu for selecting the type of mortgage, a result graph display button (“Graph display” button in FIG. 2) for displaying the simulation result, and the like. The interest rate graph is composed of a line graph with the horizontal axis representing years and the vertical axis representing interest rates.

  The result graph is composed of a bar graph in which the horizontal axis is the number of years and the vertical axis is the annual payment amount. Further, the refinancing / deposit graph is composed of an area graph that shares the vertical axis and the horizontal axis with the result graph. In the present embodiment, the bar graph before refinancing constituting the result graph every year and the area graph after refinancing constituting the refinancing / depositing graph are displayed together in the same display area. Yes. In addition, each bar graph and area graph are color-coded according to the principal amount, interest amount and accrued interest amount, and also before and after refinancing.

  The form of each graph is not limited to the above, and may be changed as appropriate. For example, the refinancing / depositing graph may be displayed as a bar graph in which the result graph and the horizontal axis direction are juxtaposed in place of the area graph. In this way, the result graph and the refinancing / depositing graph are displayed in bar graphs or area graphs with different colors and displayed side by side in each unit period, so that the comparison between the two is intuitive and visual. It becomes clear.

  As with the initial condition input field, the refinancing / depositing condition input field is a pull-down menu for selecting the type of mortgage, as well as a refinancing / redebitation graph display button for displaying the refinancing / redealing chart. (“Simulation” button in FIG. 2), a print button, a button for returning to the initial state, and the like. In the detailed information display column, the total repayment amount of the mortgage loan currently borrowed, the total repayment amount after refinancing, the difference between the total repayment amount before and after the refinancing, and the like are displayed.

  The input means 4 is composed of a keyboard, a numeric keypad, and the like, and inputs numerical values into an initial condition input field and a refinancing / depositing condition input field. The operation means 5 is composed of a mouse, a pointing stick, etc., and moves a change point set corresponding to a period during which the interest rate can be changed on the interest rate graph by a drag-and-drop operation. The pull-down menu is also operated by the operation means 5.

  The arithmetic processing means 6 is composed of a CPU (Central Processing Unit) and the like, and by executing the financial product simulation program 1a installed in the storage means 2, as shown in FIG. Interest rate graph data creation unit 62, interest rate data creation unit 63, interest rate graph display unit 64, result graph data calculation unit 65, result graph display unit 66, new interest rate acquisition unit 67, refinancing / deposit The computer functions as a conversion condition acquisition unit 68, a refinancing / depositing interest rate data creation unit 69, a refinancing / depositing graph data calculation unit 70, and a refinancing / depositing graph display unit 71. . Hereinafter, each component will be described in more detail.

  The initial condition acquisition unit 61 acquires various initial conditions related to borrowing or depositing financial products. Specifically, the initial condition acquisition unit 61 acquires various initial conditions input in the initial condition input field when the result graph display button is pressed by the operation unit 5, and stores it in the initial condition storage unit 22. It is like that. The method for obtaining the initial conditions by the initial condition acquisition unit 61 is not limited to this configuration. For example, information on loan products of a certain financial institution is stored in a database or the like, and this database is accessed. You may make it acquire, or you may make it access and access another computer via the internet.

  The interest rate graph data creation unit 62 creates interest rate graph data for displaying an interest rate graph. In the present embodiment, the interest rate graph data creation unit 62 creates the interest rate graph data by acquiring the mortgage type, repayment period, borrowing year, initial interest rate and initial fixed interest rate period stored in the initial condition storage unit 22. . Then, the created interest rate graph data is stored in the interest rate graph data storage unit 23.

  Specifically, the interest rate graph data creation unit 62 sets a start year and an end year from the borrowing year and the repayment period when creating the all-period fixed type interest rate graph data, and corresponds to these start year and end year. In addition, the initial interest rate is set as a fixed interest rate value. An example of the fixed-period interest rate graph data is shown in FIG. In this example, the fixed interest rate is set to 3.00% only in 2008 as the start year and 2042 as the end year.

  In addition, the interest rate graph data creation unit 62 sets the variable interest rate period based on the borrowing year and the repayment period when creating the variable interest rate type interest rate graph data. A variable point that can be moved by the operating means 5 is set to Then, the initial interest rate is set as the variable interest rate value in association with each change point. An example of variable interest rate type interest rate graph data is shown in FIG. In this example, a variable point is set every five years from 2008, and 3.00% is set as the variable interest value at the variable point. From 2038 to 2042, the four years from 2038 to 2041 plus 2042 will be a total of five years, and the final year will be adjusted.

  Further, when creating the interest rate graph data of the fixed interest rate selection type, the interest rate graph data creation unit 62 sets the start year and the end year of the fixed interest rate period based on the borrowing year and the initial fixed interest period. Then, the initial interest rate is set as a fixed interest rate value in association with the start year and the end year. On the other hand, in the variable interest period, a variable point is set for each predetermined period, and the initial interest rate is set as a variable interest value in association with each variable point.

  Further, in the present embodiment, when creating the interest rate graph data of the fixed interest rate selection type, the interest rate graph data creation unit 62 calculates the fixed interest rate value and the floating interest rate value with respect to the boundary between the fixed interest rate period and the floating interest rate period. Both are set as the interest rate for the year corresponding to the boundary. An example of fixed interest rate type interest rate graph data is shown in FIG. In this example, in 2013, 3.00% is set as the fixed interest value, and 4.00% is set as the variable interest value.

  Further, the interest rate graph data creation unit 62, when the change point on the interest rate graph is moved by a drag and drop operation, that is, when the new interest rate acquisition unit 67 described later acquires a new interest rate value, On the basis of the interest rate graph data, the interest rate value for the period corresponding to the moved change point is changed.

  The interest rate data creation unit 63 creates interest rate data used in actual simulation. In the present embodiment, the interest rate data creation unit 63 acquires the interest rate graph data stored in the interest rate graph data storage unit 25, and creates interest rate data in which an interest value is set for each period within the repayment period. The created interest rate data is stored in the interest rate data storage unit 24.

  Specifically, when setting the interest value for each year within the fixed interest period, the interest data creation unit 63 acquires the fixed interest value corresponding to the year from the interest graph data storage unit 23, and this fixed interest value Is set as the interest rate value for the year. When the interest rate value for the year corresponding to the change point is set, the interest rate data creation unit 63 acquires the change rate value corresponding to the year from the interest graph data storage unit 23, and obtains the change rate value for the year. Set as interest rate value.

  Furthermore, when setting an interest rate value for a year that does not correspond to the change point within the variable interest rate period, the interest data creation unit 63 calculates the interest value based on a linear equation that passes through the change points before and after the year. Specifically, the interest rate data creation unit 63 acquires the interest rate value at the point of change before the current year and the interest rate value at the point of change after the year, and calculates the difference between these interest rate values as two change points. Divide by the number of unit periods (years) between them to obtain the floating interest rate per unit period (1 year). Then, the value obtained by multiplying the floating interest value by the number of unit periods (years) calculated from the changing point is added to or subtracted from the interest value at the changing point, thereby calculating the interest value for each year between the changing points.

  The interest rate data creation unit 63 sets the new interest rate value when the changing point on the interest rate graph is moved by a drag-and-drop operation, that is, when a new interest rate acquisition unit 67 described later acquires a new interest rate value. Based on the interest rate data, the interest rate value of the period before and after the moved fluctuation point is changed.

  The interest rate graph display unit 64 displays the interest rate graph on the display means 3. In the present embodiment, the interest rate graph display unit 64 acquires interest rate graph data from the interest rate graph data storage unit 23, and displays a line graph with the horizontal axis as the number of years and the vertical axis as the interest rate on the display means 3. Yes. Moreover, the interest rate graph display unit 64 redisplays the interest rate graph in real time every time the interest rate graph data is changed.

  Further, when displaying the interest rate graph, the interest rate graph display unit 64 may acquire interest rate data from the interest rate data storage unit 24 and separately display a detailed interest rate graph indicating the interest rate value for each unit period. In this case, when the mouse pointer is positioned on the detailed interest rate graph, the period (year) and interest rate value corresponding to that location are displayed in a balloon to show the user how much the interest rate value is set for each year. Can be easily grasped. In addition to the balloon display, the period and the interest rate value may be displayed in response to a mouse click.

  Furthermore, the interest rate graph display unit 64 may display a refinancing / depositing interest rate graph indicating an interest rate applied at the time of refinancing or depositing in accordance with the display area of the interest rate graph. Specifically, the interest rate graph display unit 64 obtains the refinancing / depositing interest rate data from the refinancing / depositing interest rate data storage unit 27, and displays a line graph with the horizontal axis representing the year and the vertical axis representing the interest rate. 3 is displayed in the interest graph display area. As a result, the interest rate graph and the interest rate graph for refinancing and depositing can be directly compared.

  The result graph data calculation unit 65 calculates result graph data for displaying the result graph. In the present embodiment, the result graph data calculation unit 65 is based on the initial condition stored in the initial condition storage unit 22 and the interest rate data stored in the interest rate data storage unit 24, and the principal amount and interest amount for each year. Create result graph data consisting of payments and accrued interest. The created result graph data is stored in the result graph data storage unit 25.

Specifically, the result graph data calculation unit 65 uses the following calculation formula (1) to calculate the monthly payment amount in the first year of the repayment period or the year after the initial fixed interest period ends. A payment amount P is calculated.
_{P = B × [(R m} / 100) / {1- (1 + R m / 100) -N}] ... Equation (1)
However, P: monthly payments, B: borrowing balance, R _m: monthly interest, N: The repayment times where monthly interest indicates a value obtained by rounding off the value obtained by dividing the annual rate of 12 to a predetermined fractional digits Is. Since the setting of the predetermined number of decimal digits may differ depending on each financial institution, the monthly payment amount calculated by the above equation (1) is not always the same.

  Further, when the result graph data calculation unit 65 calculates the payment amount in the review year of the payment amount based on the five-year rule if it is an interest type other than the fixed-period type, it is calculated monthly using the above formula (1). Calculate the payment amount. Here, the “five-year rule” is a rule in which the repayment amount does not fluctuate for five years during the variable interest rate period of the mortgage. And when the calculated payment amount exceeds 125% of the payment amount of the previous year, the amount of 125% of the monthly payment amount of the previous year is calculated as the monthly payment amount. This is because the mortgage has a so-called “125% rule” that the repayment amount can only rise to 125% no matter how much the interest rate rises at the time of review every five years. On the other hand, if the calculated payment amount is 125% or less of the payment amount of the previous year, the calculated payment amount is set as the monthly payment amount as it is.

  Further, the result graph data calculation unit 65 acquires the monthly payment amount of the previous year from the result graph data storage unit 25 when calculating the payment amount for the year not corresponding to any of the above, and the acquired payment amount is Set as monthly payment for the year.

As described above, after calculating the monthly payment amount for each fiscal year, the result graph data calculation unit 65 calculates the monthly interest amount I using the following calculation formula (2).
_{I = B p × R m /} 100 ... formula (2)
However, I: Monthly interest amount, B _p : Remaining borrowing amount in the previous month, R _m : Monthly interest rate As with the monthly payment amount calculated by the above formula (1), the decimal rate of monthly interest is set for each financial It may be different depending on the organization. For this reason, the monthly interest amount calculated by the above equation (2) is not always completely the same.

As described above, after calculating the monthly payment amount and the monthly interest amount in each year, the result graph data calculation unit 65 calculates the monthly principal amount. Specifically, the result graph data calculation unit 65 calculates the monthly principal amount G using the following calculation formula (3) when not the last month of the final payment year and no unpaid interest has occurred. calculate.
G = P-I Formula (3)
Where G: monthly principal amount, P: monthly payment amount, I: monthly interest amount

  When unpaid interest occurs, the result graph data calculation unit 65 adds the unpaid interest amount generated each month and stores it in the result graph data storage unit 25, and sets the monthly principal amount to zero. To do. The stored unpaid interest amount is processed in a manner determined by the financial institution such as payment in the final year or addition to the principal when the repayment amount is reviewed.

  Furthermore, in the last month of the final payment year, the result graph data calculation unit 65 sets the sum of the balance of the principal amount and the interest amount at the time of the final month as the payment amount for the final month, The remaining principal amount as of the last month is set as the monthly principal amount.

  As described above, after calculating the monthly payment amount, monthly interest amount, monthly principal amount and unpaid interest amount for each fiscal year, the result graph data calculation unit 65 calculates the annual payment amount and principal amount. The total remaining amount of the principal amount is calculated. And the calculation mentioned above is performed about all the repayment periods.

  The result graph display unit 66 causes the display unit 3 to display a result graph as a simulation result. In the present embodiment, the result graph display unit 66 acquires the result graph data from the result graph data storage unit 25, and displays on the display means 3 a bar graph having the horizontal axis as the number of years and the vertical axis as the annual payment amount. ing. At this time, the result graph display unit 66 colors each bar graph by the principal amount, the interest amount, and the accrued interest amount. Further, the result graph display unit 66 re-displays the result graph in real time in conjunction with each time the result graph data is changed.

  Further, when the result graph display unit 66 acquires the result graph data from the result graph data storage unit 25 and aligns the mouse pointer with the bar graph on the result graph, the period (year) corresponding to the position, the principal amount Whether the amount of interest or accrued interest, the amount paid, and the ratio of the principal amount, interest amount or accrued interest amount to the amount paid may be displayed in a balloon. As a result, the user can easily grasp the principal amount, interest amount and accrued interest amount for each year, and what percentage of the amount is the payment amount. The period and the interest rate value may be displayed in response to a mouse click, not limited to the balloon display.

  The new interest value acquisition unit 67 acquires a new interest value for a period corresponding to the change point when the change point on the interest rate graph is operated. In this embodiment, the new interest value acquisition unit 67 calculates the fluctuation value of the interest according to the amount of movement when an arbitrary fluctuation point on the interest rate graph is moved by the drag and drop operation by the operation means 5. This fluctuation value is added to or subtracted from the interest value at the fluctuation point to obtain a new interest value.

  Specifically, the new interest value acquisition unit 67 first sets the unit fluctuation amount (V11) of the interest rate with respect to the coordinate value when the change point on the interest rate graph is moved in the vertical direction by the drag operation of the mouse. At this time, the cash interest value (V12) of the year corresponding to the dragged change point is acquired from the interest graph data storage unit 23, and the initial Y coordinate value (V13) of the mouse pointer is acquired.

  Next, the new interest value acquisition unit 67 sequentially acquires the Y coordinate value of the mouse pointer while the change point is being dragged, calculates the difference from the initial Y coordinate value (V13), and then calculates the difference. By multiplying the unit fluctuation amount (V11), the fluctuation value of the interest rate is obtained. Then, after adding or subtracting the fluctuation value of the interest rate to the cash interest value (V12), the new interest value (V21) of the fluctuation point is calculated by rounding off to a predetermined decimal digit. At this time, the new interest value acquisition unit 67 executes addition / subtraction processing according to the sign of the calculated difference.

  Further, when the calculated new interest value (V21) exceeds the upper limit value of the preset interest rate graph, the new interest value acquisition unit 67 sets the upper limit value as the new interest value (V21). Similarly, when the new interest value (V21) falls below a preset lower limit value, the lower limit value is set as the new interest value (V21).

  As described above, while the moving point is moved while being dragged, the new interest rate value acquisition process is always executed, and when the changing point is dropped at a predetermined position after that, the new interest rate value calculated by the process during dragging is performed. (V21) is determined as the interest rate at the relevant point of change.

  The refinancing / depositing condition acquisition unit 68 acquires a refinancing condition or a depositing condition necessary for executing a simulation when a financial product is refinanced or deposited. Specifically, the refinancing / depositing condition acquisition unit 68 displays various refinancing conditions input in the refinancing / depositing condition input field when the refinancing / depositing graph display button is pressed by the operation unit 5. Alternatively, a depositing condition is acquired and stored in the refinancing / depositing condition storage unit 26.

  The refinancing / depositing interest rate data creating unit 69 creates refinancing / depositing interest rate data used for refinancing or depositing simulation. In the present embodiment, the refinancing / depositing interest rate data creating unit 69 acquires the refinancing year, the initial interest rate and the initial fixed interest period stored in the refinancing / depositing condition storage unit 26, and the interest rate data creating unit 63 By executing the same processing, refinancing / depositing interest rate data in which an interest rate is set in association with each period after refinancing is created. The created refinancing / depositing interest rate data is stored in the refinancing / depositing interest rate data storage unit 27.

  The refinancing / depositing graph data calculation unit 70 calculates refinancing / depositing graph data for displaying a refinancing / depositing graph. In this embodiment, the refinancing / depositing graph data calculation unit 70 first calculates the total repayment before refinancing based on the refinancing year. Next, based on the refinancing conditions stored in the refinancing / depositing condition storage unit 26 and the refinancing / reimbursement interest rate data stored in the refinancing / replacement interest rate data storage unit 27, a result graph data calculation unit 65 and By executing the same processing, refinancing / deposit graph data including the principal amount, interest amount, payment amount and accrued interest amount for each year after refinancing is created. Then, the refinancing / replacement graph data created is stored in the refinancing / replacement graph data storage unit 28.

  When applied to a deposit product as a financial product, the refinancing / depositing graph data calculating unit 70 stores the reimbursement conditions and the refinancing / redealing interest rate data storage unit stored in the refinancing / depositing condition storage unit 26. 27. Based on the refinancing / depositing interest rate data stored in 27, the same processing as that of the result graph data calculation unit 65 is executed, so that each year after the depositing, the principal amount, the interest amount, and the deposit amount are formed. Refinancing and deposit graph data is created.

  The refinancing / depositing graph display unit 71 displays on the display unit 3 a refinancing / depositing graph that simulates the principal amount and the interest amount for each unit period after refinancing or depositing. In the present embodiment, the refinancing / replacement graph display unit 71 acquires the refinancing / replacement graph data from the refinancing / replacement graph data storage unit 28 and then displays the horizontal axis in the same manner as the result graph display unit 66. An area graph is displayed on the display means 3 with the number of years and the vertical axis as the annual payment amount. At this time, the refinancing / replacement graph display unit 71 displays the refinancing / replacement graph in the display area so that it can be directly compared with the result graph displayed by the result graph display unit 66. For this reason, it is easy to visually compare simulation results before and after refinancing or before and after deposit.

  The refinancing / replacement graph display unit 71 is preferably displayed in the same area as the result graph, but the refinancing / replacement graph is displayed in a separate display area in a situation where comparison is easy. May be. In the present embodiment, the refinancing / depositing graph display unit 71 color-codes the area graph according to the principal amount, the interest amount, and the accrued interest amount, similarly to the result graph display unit 66. At this time, the refinancing / deposit graph display unit 71 distinguishes between the two using a color different from the color used in the result graph. Further, the refinancing / replacement graph display unit 71 redisplays the refinancing / replacement graph in real time every time the refinancing / replacement graph data is changed.

  Next, the operation of the financial product simulation system 1 executed by the financial product simulation program 1a of this embodiment will be described with reference to the flowchart of FIG.

  When simulating the trend of a financial product using the financial product simulation system 1 of the present embodiment, first, the financial product simulation program 1a is started. At this time, if the financial product simulation program 1a is installed in the terminal of a person in charge at a financial institution, it becomes a tool for explaining the financial product to the customer. Moreover, as long as it is open as a website on the Internet, anyone can easily execute a simulation process from a home terminal or the like at any time.

  Subsequently, after the user inputs various initial conditions in the initial condition input field by the input unit 4 and then presses the result graph display button by the operation unit 5 or the like (step S1: YES), the initial condition acquisition unit 61 Various input initial conditions are acquired and stored in the initial condition storage unit 22 (step S2).

  Subsequently, the interest rate graph data creation unit 62 acquires the initial conditions stored in the initial condition storage unit 22, creates interest rate graph data, and stores it in the interest rate graph data storage unit 23 (step S3). Hereinafter, the interest graph data creation processing executed by the interest graph data creation unit 62 will be described with reference to FIG.

  As shown in FIG. 5, the interest rate graph data creation unit 62 first determines the presence or absence of a fixed interest rate period based on the initial conditions (step S31). As a result of this determination, if there is a fixed interest period (step S31: YES), that is, if the fixed interest rate selection type or the all-period fixed type, the interest graph data creation unit 62 calculates the start year and end year of the fixed interest period. And the value of the initial interest rate is set as a fixed interest value in association with only both these years (step S32).

  On the other hand, when there is no fixed interest period (step S31: NO), that is, in the case of a floating interest rate type, the interest graph data creation unit 62 sets a variation point for each predetermined period within the variable interest rate period, and each variation point The initial interest rate is set as a variable interest value in association with (step S33).

  Subsequently, after setting a fixed interest value in step S32, the interest graph data creation unit 62 determines whether or not there is a variable interest period (step S34). Then, when there is no variable interest period (step S34: NO), that is, in the case where the whole period is fixed, this processing ends. On the other hand, when there is a variable interest rate period (step S34: YES), that is, in the case of the fixed interest rate selection type, the interest graph data creation unit 62 sets a change point for each predetermined period within the variable interest rate period, The initial interest rate is set as the variable interest value in association with the point (step S35).

  The interest graph data creation unit 62 associates both the fixed interest rate value set in step S32 and the variable interest rate value set in this step with the boundary between the fixed interest rate period and the variable interest rate period. It is set as the interest value for the corresponding year (step S35). As a result, when the interest rate graph is displayed in step S5 described later, the interest value is displayed easily and accurately even at the boundary between the fixed interest rate period and the variable interest rate period.

  Subsequently, returning to FIG. 4, the interest rate data creation unit 63 acquires interest rate graph data from the interest rate graph data storage unit 25, creates interest rate data, and stores it in the interest rate data storage unit 24 (step S4). Hereinafter, the interest data creation process executed by the interest data creation unit 63 will be described with reference to FIG.

  As shown in FIG. 6, the interest rate data creation unit 63 first determines whether or not the year in which the interest value is to be set is within a fixed interest rate period (step S41). As a result of this determination, if it is within the fixed interest period (step S41: YES), the interest data creation unit 63 acquires the fixed interest value corresponding to the year from the interest graph data storage unit 23 (step S42), The fixed interest value is set as the interest value for the year (step S43).

  On the other hand, when the year in which the interest rate value is to be set is not within the fixed interest period (step S41: NO), the interest rate data creation unit 63 further determines whether or not the year corresponds to a change point ( Step S44). If the result of this determination is that the point is on the change point (step S44: YES), the interest rate data creation unit 63 acquires the change rate value corresponding to the year from the interest rate graph data storage unit 23 (step S45). The interest value is set as the interest value for the year (step S46).

  On the other hand, when the year in which the interest rate value is to be set is not on the changing point (step S44: NO), the interest rate data creating unit 63 is based on the slope of the straight line passing through the changing point set before and after the year. An interest rate value is calculated (step S47). Then, the calculated interest value is set as the interest value for the year (step S46). The above process is repeated until all the periods within the repayment period are completed (step S48), and this process ends.

  Subsequently, returning to FIG. 4, the interest graph display unit 64 acquires the interest graph data from the interest graph data storage unit 23, and displays the interest graph on the display means 3 (step S5). At this time, in this embodiment, since both the fixed interest rate value and the floating interest rate value are set in association with the boundary between the fixed interest rate period and the floating interest rate period, the interest value for each year is accurately displayed in a graph. The

  This point will be described using a specific example shown in FIG. In this specific example, a fixed interest rate period in which the interest rate value was fixed at 3% for 15 years from 2008 to 2022, and a variable point was set every 5 years from 2023 to 2042. A variable interest period. In this example, when an interest rate graph is displayed using data consisting only of interest rate values applied to each year, which corresponds to the interest rate data of this embodiment, as shown in FIG. Since the fixed interest rate value of the year and the variable interest rate value of 2023 are connected by a straight line, the graph looks as if the interest rate has gradually increased every month from 2022 to 2023.

  On the other hand, when the interest rate graph is displayed using the interest rate graph data of the present embodiment, since both the fixed interest rate value and the floating interest rate value are set in the boundary 2023, it is shown in FIG. Thus, the state of shifting from 2008 to 2022 in the fixed interest period and from 2023 to the variable interest period is accurately displayed. For this reason, the display is not misunderstood by the user.

  Next, the result graph data calculation unit 65 creates result graph data based on the initial condition and the interest rate data, and then stores the result graph data in the result graph data storage unit 25 (step S6). Hereinafter, the result graph data calculation process executed by the result graph data calculation unit 65 will be described with reference to FIG.

  As shown in FIG. 8, the result graph data calculation unit 65 first determines that the repayment year for which the simulation result is to be calculated is (i) the first year of the repayment period or the initial fixed interest rate period as an iterative process for each year. Determine whether it is the next year of the year ended, or (b) the interest rate type other than the fixed-period type, and the year of review of the payment amount according to the 5-year rule mentioned above, or (c) other than that (Step S61).

  As a result of this determination, in the case of (b) above (step S61: (b)), the result graph data calculation unit 65 calculates the monthly payment amount using the above equation (1) (step S62), then The calculated payment amount is set as the monthly payment amount (step S63).

  On the other hand, in the case of the above (b) (step S61: (b)), the result graph data calculation unit 65 first calculates the monthly payment amount using the above equation (1) (step S64) and then the payment. It is determined whether the amount is 125% or less of the monthly payment amount of the previous year (step S65). If the result of this determination is 125% or less (step S65: YES), the calculated payment amount is set as the monthly payment amount as it is (step S63). On the other hand, if it exceeds 125% (step S65: NO), an amount of 125% of the monthly payment amount of the previous year is set as the monthly payment amount. Thereby, the simulation process is executed in a state where the so-called “125% rule” is applied.

  Further, in the case of (c) (step S61: (c)), the result graph data calculation unit 65 acquires the monthly payment amount of the previous year (step S67), and uses the acquired payment amount for each month of the current year. The payment amount is set (step S63).

  As described above, after setting the monthly payment amount, the result graph data calculation unit 65 calculates the monthly interest amount using the above equation (2) as the iterative process for each month (step S68). Subsequently, the result graph data calculation unit 65 determines whether or not the month is the last month of the repayment period (step S69). As a result of this determination, if it is the last month (step S69: YES), the result graph data calculation unit 65 calculates the sum of the remaining principal amount and the interest amount at the time of the last month for the last month. The payment amount is set (step S70), and the remaining principal amount at the time of the final month is set as the principal amount of the final month (step S71).

  On the other hand, when the month is not the final month (step S69: NO), the result graph data calculation unit 65 determines whether or not unpaid interest is generated (step S72). As a result of this determination, if unpaid interest has occurred (step S72: YES), the result graph data calculation unit 65 adds the amount of unpaid interest generated each month and stores it in the result graph data storage unit 25. At the same time (step S73), the monthly principal amount is set to zero (step S74). As a result, the amount of accrued interest is paid in the final year as determined by the financial institution, or added to the principal when the repayment amount is reviewed.

  On the other hand, when unpaid interest has not occurred (step S72: NO), the result graph data calculation unit 65 calculates the principal amount by using the above equation (3), and uses the calculated principal amount as the monthly principal. The actual amount is set (step S75).

  After repeating the process from step S68 to step S75 for 12 months (step S76), the result graph data calculation unit 65 calculates the annual payment amount and the principal amount (step S77), and the principal amount. Is calculated (step S78). Then, the above-described processing from step S61 to step S78 is executed for the entire repayment period (step S79).

  Subsequently, returning to FIG. 4, the result graph display unit 66 displays the result graph on the display means 3 based on the result graph data (step S7). Thereby, the user can grasp the simulation result intuitively and visually by the result graph. Also, in this embodiment, the principal amount, interest amount and accrued interest amount are displayed in a bar graph format for each year, so that the simulation results of each item amount in the future will be obvious and unfamiliar with financial products. Even users can easily understand.

  Next, if the refinancing / deposit graph is already displayed on the display means 3 (step S8: YES), the process proceeds to step S9 described later. On the other hand, if the refinancing / deposit graph is not displayed (step S8: NO), it is detected by the operation means 5 whether or not an arbitrary change point on the interest rate graph has been moved by the drag-and-drop operation (step S8). S12).

  When the change point is moved (step S12: YES), the new interest value acquisition unit 67 acquires the new interest value at the change point based on the amount of movement (step S13). Thereafter, the process returns to step S3, and the interest rate graph data creation unit 62 changes the interest rate value of the interest rate graph data based on the new interest rate value (step S3), and the interest rate graph based on the changed interest rate graph data. The display unit 64 redisplays the interest rate graph on the display means 3 (step S5).

  As a result, the user can set both the time to change the interest rate value and the amount of change at once by simply dragging and dropping the change point on the interest rate graph with the mouse. The operability is significantly improved compared to the case. At this time, since the interest rate graph is redisplayed in real time, erroneous setting due to an operation error is suppressed.

  Further, the interest data creation unit 63 recreates the interest value of the interest data based on the new interest value (step S4). At this time, in the present embodiment, the interest rate data creation unit 63 obtains the interest value of the moved fluctuation point and the interest value of the other fluctuation point adjacent to the fluctuation point, and calculates the difference between these interest values. Divide by the number of unit periods between two variable points to find the variable interest rate per unit period. Then, the floating interest rate value is multiplied by the number of unit periods calculated from the moved changing point, and the interest rate value in each period between the changing points is calculated by adding to or subtracting from the changing interest rate value. Thereby, as shown in the interest graph display area of FIG. 2, the interest value of each year between the changing points is automatically set so as to gradually increase or decrease between the changing points.

  Subsequently, when the result graph data calculation unit 65 recalculates the result graph data based on the changed interest rate data and the initial condition (step S6), the result graph display unit 66 relies on the recalculated result graph data. The result graph is displayed again on the display means 3 (step S7). This allows the user to intuitively and visually grasp the relationship between the financial product and interest rate because the simulation results are linked and changed interactively and in real time simply by moving the changing point on the interest rate graph. This makes it easier to understand the nature and risks of the financial product.

  On the other hand, if the movement of the changing point is not detected in step S12 (step S12: NO), it is detected whether or not the refinancing / deposit graph display button is pressed by the operation means 5 (step S14). If the refinancing / deposit graph display button is not pressed (step S14: NO), this process is terminated. On the other hand, when the refinancing / depositing graph display button is pressed (step S14: YES), the refinancing / depositing condition acquisition unit 68 uses the refinancing / depositing condition input field to enter the refinancing condition or the reimbursement. The conditions are acquired and stored in the refinancing / depositing condition storage unit 26 (step S15).

  Subsequently, the refinancing / depositing interest rate data creation unit 69 creates refinancing / redepositing interest rate data based on the refinancing condition or the reimbursement condition, and stores it in the refinancing / redepositing interest rate data storage unit 27 (step). S9). In addition, the refinancing / exchange graph data calculation unit 70 creates the refinancing / replacement graph data based on the total repayment before refinancing, the refinancing condition or the reimbursement condition, and the refinancing / replacement interest rate data. The data is stored in the exchange / deposit graph data storage unit 28 (step S10).

  Then, the refinancing / replacement graph display unit 71 displays the refinancing / replacement graph on the display unit 3 based on the refinancing / replacement graph data (step S11). In the present embodiment, the refinancing / replacement graph display unit 71 displays the refinancing / replacement graph in parallel in the display area of the result graph, so that the simulation results before and after refinancing or before and after reimbursement are intuitive.・ It becomes easy to compare visually, and learning effect improves.

  As described above, when the refinancing / deposit graph is displayed (step S8: YES) and the interest rate graph is further operated (step S12: YES), the above-described steps S13 and S3 to S11 are performed. The process up to is repeated. As a result, both the result graph and the refinancing / depositing graph are changed interactively and in real time in conjunction with interest rate fluctuation operations, enabling users to easily and quickly refinance before and after refinancing or before and after refinancing. It will be possible to grasp the trend of.

  In addition, if the refinancing / depositing graph display button is pressed again after inputting the refinancing condition or the depositing condition again (step S14: YES), the processes from step S15 and step S9 to step S11 described above are repeated. It is. As a result, the refinancing / dealing graph is changed interactively and in real time according to the entered conditions, so that the user can easily and quickly search for a financial product that is more suitable for himself / herself and use it as a reference for refinancing or reimbursement. It can be.

According to the present embodiment as described above, the following effects can be obtained.
1. The interest rate value at any time in the future can be easily changed by a single operation of moving the interest rate fluctuation point, and the trend of the financial product can be interactively displayed in a real-time simulation in conjunction with this.
2. Since future interest rates are displayed in a line graph and simulation results are displayed in a bar graph, the contents, nature, and risk of financial products can be understood intuitively and visually.
3. The simulation under various conditions can be repeated in a short time, and the understanding of financial products can be deepened through various trials and errors.
4). Since the simulation related to the refinancing and depositing of financial products is also displayed side by side in the same display area as the result graph, it is possible to intuitively and visually compare the two.

  Next, specific examples of the financial product simulation program 1a and the financial product simulation system 1 according to the present invention will be described. In this example, a mortgage simulation process was performed using the financial product simulation program 1a and the financial product simulation system 1 of the present embodiment.

  First, as the initial conditions, the mortgage type is fixed interest rate type, the borrowing amount is 30 million yen, the repayment period is 35 years, the borrowing year is 2008, the initial interest rate is 3.00%, and the initial fixed interest rate period is 5 years A simulation process was performed (process 1). The display screen after this processing 1 is shown in FIG. As shown in FIG. 9, the interest rate graph, the result graph, and the detailed information are displayed on the display screen based on the initial conditions. The interest rate graph is displayed as a line graph, and the result graph is displayed as a bar graph.

  Next, using the mouse, drag the moving point corresponding to 2013 on the interest rate graph to move it upward, and set the interest rate corresponding to each moving point after 2013 to 4.00% (Process 2). . The display screen after this process 2 is shown in FIG. As shown in FIG. 10, the interest rate graph and the result graph are interactively changed in real time based on the changed interest rate value.

  Furthermore, the fluctuation point corresponding to 2028 on the interest rate graph was moved upward using the mouse, and the interest rate for 2028 was set to 5.60% (Process 3). The display screen after this processing 3 is shown in FIG. As shown in FIG. 11, the interest rate graph and the result graph are further interactively changed in real time based on the changed interest rate value.

  Next, as a refinancing condition, a simulation process was performed in which the mortgage loan type was fixed for the entire period, the refinancing year was 2020, the initial interest rate was 4.20%, and the principal balance was refinanced with a 23-year loan (Process 4). . The display screen after this process 4 is shown in FIG. As shown in FIG. 12, based on the refinancing conditions, the refinancing / depositing graph is displayed together in the area graph in the display area of the result graph. After that, if the fluctuating point on the interest rate graph is moved, the interest rate value is changed, and both the result graph and the refinancing / depositing graph are changed and redisplayed in conjunction with each other.

  In addition, FIG. 13 shows various data calculated after each process. In FIG. 13, among the data after execution of processing 1 to processing 3, “interest rate” corresponds to interest rate data, and “interest amount”, “principal amount”, and “payment amount” correspond to result graph data. In addition, among the data after processing 4, “Interest” is equivalent to the refinancing / depositing interest rate data, and “Interest amount”, “Principal amount”, and “Payment amount” are the refinancing / depositing graph data. Equivalent to.

  As described above, according to the present embodiment, when a mortgage simulation is executed using the financial product simulation program 1a and the financial product simulation system 1 of the present embodiment, the fluctuation point on the interest rate graph is moved with the mouse. Only the interest rate graph and the result graph were changed interactively and in real time, and it was shown that the simulation result can be grasped intuitively and visually. In addition, when refinancing simulation is executed, the refinancing / depositing graph is displayed in the same display area as the result graph, and it is easy to make a comparative study, indicating that the learning effect is expected to be improved.

  The financial product simulation program 1a and the financial product simulation system 1 according to the present invention are not limited to the above-described embodiment, and can be changed as appropriate.

  For example, in the present embodiment described above, the case where the financial product is applied to a mortgage that does not consider bonus payment has been described. However, the present invention is not limited thereto, and may be applied to a mortgage that considers bonus payment. . In this case, as an initial condition for a mortgage that takes into account bonus payments, the bonus payment ratio of the borrowing amount, the number of bonus payments, etc. are set separately, and the repayment amount of the bonus payment is simulated in addition to the monthly repayment amount. Good.

  Further, in the present embodiment described above, the case where it is applied to a housing loan as a financial product has been described. However, the present invention is not limited to this, and the present invention is also applicable to a deposit product such as an annuity type / compound interest management type or a foreign currency deposit. Also good.

  For example, when applying to a lump sum deposit type pension-type deposit product, after entering the deposit principal amount and the annual amount to be withdrawn for each unit period, the interest rate value is changed by operating the interest rate graph, and the principal amount deposited for each unit period It is sufficient to calculate as compound interest management by subtracting the annual amount to be withdrawn from the amount, and obtain a graph showing the fluctuation of principal and interest as a result graph. In addition, when applied to compound interest-type variable interest rate time deposits, after entering the deposit principal amount, the interest rate graph is manipulated to change the interest rate value, and a graph showing the change in principal and interest is calculated as a compound interest management result. What is necessary is just to acquire as a graph.

  Moreover, in this embodiment mentioned above, although only the interest value on an interest rate graph is made into the operation object, it is not restricted to this structure. Specifically, when simulating fluctuations in the principal and interest of foreign currency deposits, as shown in FIG. 14, in addition to the interest rate graph, an exchange graph in which future exchange rates are set for each predetermined period is separately displayed. The exchange rate may be changed by displaying and moving the change point on the exchange graph.

  In the example of FIG. 14, after entering the principal amount of deposit, the foreign currency interest rate is expected to rise, and the exchange rate is expected to be strong. And the result graph which shows the fluctuation | variation of the principal and interest acquired by calculating these as compound interest management is displayed with the biaxial graph of a yen and a foreign currency (US dollar). In this example, the US dollar interest rate rises due to the rise in the US dollar interest rate, but if the yen is converted into yen, the yen is strong and the trend is down, resulting in a loss of principal. In other words, the risk of foreign currency deposits is visualized and grasped intuitively.

  Further, in this example, it is conceivable to perform a simulation of fluctuations in principal and interest when transferring from “foreign currency ordinary deposit” to “foreign currency time deposit”. Specifically, as described above, after the result graph is displayed, the exchange condition relating to the “foreign currency time deposit” in which the interest rate becomes constant from a certain time is input. Then, based on this depositing condition, a refinancing / depositing graph composed of a biaxial graph of yen and foreign currency is displayed in the same area as the result graph. As a result, it is possible to interactively and in real time simulate trends in foreign currency deposits that change in response to fluctuations in both interest rates and exchange rates.

  Moreover, you may add the function which prints a form separately with respect to the financial product simulation system 1 of this embodiment. Furthermore, a function for outputting data (file) in CSV (Comma Separated Values) format, Excel format, etc. may be added to the calculated interest rate data, result graph data, and refinancing / deposit graph data.

1 is a block diagram showing an embodiment of a financial product simulation system according to the present invention. It is a figure which shows an example of the screen displayed on a display means in this embodiment. In this embodiment, it is a figure which shows an example of interest rate graph data of (a) whole period fixed type, (b) variable interest rate type, and (c) fixed interest rate selection type. It is a flowchart figure which shows the process which the financial product simulation program and financial product simulation system of this embodiment perform. In this embodiment, it is a flowchart figure which shows interest rate graph data creation processing. In this embodiment, it is a flowchart figure which shows interest data creation processing. In this embodiment, it is an example of an interest rate graph displayed when (a) a simple interest value is used, and (b) when interest rate graph data is used. In this embodiment, it is a flowchart figure which shows a result graph data calculation process. In a present Example, it is a figure which shows an example of the display screen after the process 1. FIG. In a present Example, it is a figure which shows an example of the display screen after the process 2. FIG. In a present Example, it is a figure which shows an example of the display screen after the process 3. FIG. In a present Example, it is a figure which shows an example of the display screen after the process 4. FIG. It is a figure which shows the result graph data calculated in the present Example. It is a figure which shows an example of the simulation screen of the foreign currency deposit which can operate both an interest rate graph and a currency exchange graph.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Financial product simulation system 1a Financial product simulation program 2 Storage means 3 Display means 4 Input means 5 Operation means 6 Arithmetic processing means 21 Program storage part 22 Initial condition storage part 23 Interest rate graph data storage part 24 Interest rate data storage part 25 Result graph data Storage unit 26 Refinancing / depositing condition storing unit 27 Refinancing / depositing interest rate data storing unit 28 Refinancing / depositing graph data storing unit 61 Initial condition obtaining unit 62 Interest rate graph data creating unit 63 Interest rate data creating unit 64 Interest rate graph Display unit 65 Result graph data calculation unit 66 Result graph display unit 67 New interest value acquisition unit 68 Refinancing / depositing condition acquisition unit 69 Refinancing / depositing interest rate data creation unit 70 Refinancing / depositing graph data calculation unit 71 Borrowing Exchange / deposit graph display

Claims (8)

In order to simulate the trend of financial products that change in response to changes in interest rates, storage means for storing financial products and various data relating to the interest rates, and acquiring necessary data from the storage means, An arithmetic processing means for simulating the trend, a display means for displaying an interest rate graph in which the expected value of the future interest rate is set for each predetermined period by this arithmetic processing means, and a result graph obtained by simulating the trend of the future financial product , A financial product simulation program for causing a computer to function as an operating means for moving a variable point that can change on the interest rate graph displayed on the display means by a drag-and-drop operation,
The storage means includes an initial condition storage unit that stores initial conditions related to borrowing or depositing the financial product, and an interest rate value set in a period corresponding to a start point and an end point of a fixed interest period in order to create the interest rate graph. And an interest rate graph data storage unit that stores interest rate graph data consisting of at least one of the interest rate values set for the period corresponding to each variable point within the variable interest rate period, and an interest rate value applied for each unit period within the entire period An interest rate data storage unit that stores interest rate data for which the amount is set, and a result graph in which the principal amount and interest amount are set in association with each unit period in order to display the simulation result of the future payment amount or deposit amount on the graph A result graph data storage unit for storing data,
The arithmetic processing means obtains the interest rate graph data by obtaining the initial condition from the initial condition storage unit and creates the interest rate graph data, and obtains the interest rate graph data from the interest rate graph data storage unit. An interest rate data creation unit for creating data, an interest rate graph display unit for displaying the interest rate graph on the display means based on the interest rate graph data, and the result graph data based on the initial condition and the interest rate data A result graph data calculation unit; a result graph display unit that displays a result graph simulating a principal amount and an interest amount for each future unit period based on the result graph data; When an arbitrary fluctuation point on the interest rate graph is moved, the fluctuation value of the interest rate corresponding to the amount of movement is calculated and the change Has a new interest rate value acquisition unit for adding or subtracting the interest value of the period corresponding to the point to get a new interest rate value,
When the new interest rate value acquisition unit acquires the new interest rate value, the interest rate graph data creation unit changes the interest rate value of the period corresponding to the moved change point in the interest rate graph data based on the new interest rate value. The interest rate graph display unit redisplays the interest rate graph on the display unit based on the changed interest rate graph data, and the interest rate data creation unit moves out of the interest rate data based on the new interest rate value. Change the interest rate value for the period before and after the change point, the result graph data calculation unit recalculates the result graph data based on the changed interest rate data and the initial condition, and the result after the recalculation A financial product simulation program that executes a computer so that the result graph display unit redisplays the result graph on the display unit based on graph data. Lamb.   2. The financial product simulation program according to claim 1, wherein the interest rate graph data creating unit sets both a fixed interest rate value and a variable interest rate value related to the change point with respect to a boundary between the fixed interest rate period and the variable interest rate period.   3. The interest rate data creation unit according to claim 1, wherein when an arbitrary change point in a variable interest rate period is moved by the operation means, the interest rate value of the moved change point is adjacent to the change point. And obtain the floating interest rate value per unit period by dividing the difference between these interest rate values by the number of unit periods between the two fluctuation points, and move to the floating interest value. A financial product simulation program that multiplies the number of unit periods calculated from the changed points and calculates the interest value for each period between the points of change by adding to or subtracting from the interest value of the points of change. In any one of Claims 1-3,
The storage means stores a refinancing / depositing condition storage unit that stores a refinancing condition or a reimbursement condition set for the financial product, and an interest value is set in association with each unit period after refinancing or after refinancing. A refinancing / reimbursement interest rate data storage unit that stores refinancing / reimbursement interest rate data, and a refinancing / reimbursement graph that simulates the principal amount and interest amount for each unit period after refinancing A refinancing / replacement graph data storage unit for storing refinancing / replacement graph data for display;
The arithmetic processing means includes a refinancing / redepositing interest rate data creation unit that creates the refinancing / reimbursement interest rate data based on the refinancing conditions or reimbursement conditions; Or a refinancing / replacement graph data calculating unit for calculating the refinancing / replacement graph data based on the reimbursement conditions and the refinancing / replacement interest rate data; and A financial product simulation program comprising: a refinancing / depositing graph display unit for comparing and displaying the refinancing / depositing graph within the display area of the result graph based on the calculated refinancing / depositing graph data. In order to simulate the trend of financial products that change in response to changes in interest rates, storage means for storing financial products and various data relating to the interest rates, and acquiring necessary data from the storage means, An arithmetic processing means for simulating the trend, a display means for displaying an interest rate graph in which the expected value of the future interest rate is set for each predetermined period by this arithmetic processing means, and a result graph obtained by simulating the trend of the future financial product , A financial product simulation system comprising an operating means for moving a variable point that can be changed on the interest rate graph displayed on the display means by a drag-and-drop operation,
The storage means includes an initial condition storage unit that stores initial conditions related to borrowing or depositing the financial product, and an interest rate value set in a period corresponding to a start point and an end point of a fixed interest period in order to create the interest rate graph. And an interest rate graph data storage unit that stores interest rate graph data consisting of at least one of the interest rate values set for the period corresponding to each variable point within the variable interest rate period, and an interest rate value applied for each unit period within the entire period An interest rate data storage unit that stores interest rate data for which the amount is set, and a result graph in which the principal amount and interest amount are set in association with each unit period in order to display the simulation result of the future payment amount or deposit amount on the graph A result graph data storage unit for storing data,
The arithmetic processing means obtains the interest rate graph data by obtaining the initial condition from the initial condition storage unit and creates the interest rate graph data, and obtains the interest rate graph data from the interest rate graph data storage unit. An interest rate data creation unit for creating data, an interest rate graph display unit for displaying the interest rate graph on the display means based on the interest rate graph data, and the result graph data based on the initial condition and the interest rate data A result graph data calculation unit; a result graph display unit that displays a result graph simulating a principal amount and an interest amount for each future unit period based on the result graph data; When an arbitrary fluctuation point on the interest rate graph is moved, the fluctuation value of the interest rate corresponding to the amount of movement is calculated and the change Has a new interest rate value acquisition unit for adding or subtracting the interest value of the period corresponding to the point to get a new interest rate value,
When the new interest rate value acquisition unit acquires the new interest rate value, the interest rate graph data creation unit changes the interest rate value of the period corresponding to the moved change point in the interest rate graph data based on the new interest rate value. The interest rate graph display unit redisplays the interest rate graph on the display unit based on the changed interest rate graph data, and the interest rate data creation unit moves out of the interest rate data based on the new interest rate value. Change the interest rate value for the period before and after the change point, the result graph data calculation unit recalculates the result graph data based on the changed interest rate data and the initial condition, and the result after the recalculation A financial product simulation system in which the result graph display unit redisplays the result graph on the display unit based on graph data.   6. The financial product simulation system according to claim 5, wherein the interest rate graph data creation unit sets both a fixed interest rate value and a floating interest rate value related to the change point with respect to a boundary between the fixed interest rate period and the floating interest rate period.   In Claim 5 and Claim 6, the said interest-rate data preparation part, when the arbitrary fluctuation point in a floating interest period is moved by the said operation means, the interest value of this moved floating point and adjacent to this fluctuation point And obtain the floating interest rate value per unit period by dividing the difference between these interest rate values by the number of unit periods between the two fluctuation points, and move to the floating interest value. A financial product simulation system that multiplies the number of unit periods calculated from the changed points and calculates the interest value in each period between the points by adding or subtracting to the interest value at the point of change. In any one of Claims 5-7,
The storage means stores a refinancing / depositing condition storage unit that stores a refinancing condition or a reimbursement condition set for the financial product, and an interest value is set in association with each unit period after refinancing or after refinancing. A refinancing / reimbursement interest rate data storage unit that stores the refinancing / reimbursement interest rate data, and a refinancing / reimbursement graph that simulates the principal amount and interest amount for each unit period after refinancing or after refinancing A refinancing / replacement graph data storage unit for storing refinancing / replacement graph data for display;
The arithmetic processing means includes a refinancing / redepositing interest rate data creation unit that creates the refinancing / reimbursement interest rate data based on the refinancing conditions or reimbursement conditions; Or a refinancing / replacement graph data calculating unit for calculating the refinancing / replacement graph data based on the reimbursement conditions and the refinancing / replacement interest rate data; and A financial product simulation system comprising: a refinancing / depositing graph display unit for comparing and displaying the refinancing / depositing graph within a display area of the result graph based on the calculated refinancing / depositing graph data.