JP2012078987A - Loan management system, loan management method, and loan management program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a loan management system, a loan management method, and a loan management program for effectively and accurately providing loan to company employees.SOLUTION: A control part 21 of a service management server 20 performs specific processing for an evaluation object person. Then, the control part 21 performs company requirement determination processing. Here, financial contents of a company employing the person are acquired to be compared with a company requirement. When a first company requirement is not cleared, warning processing for registering a mortgage is performed. When a second company requirement is not cleared, warning processing for renewing a seal certificate is performed. After that, the control part 21 performs employee requirement determination processing. Here, employment status information is acquired to be compared with an employee requirement. When a first employee requirement is not cleared, warning processing for registering a mortgage is performed. When a second employee requirement is not cleared, warning processing for renewing a seal certificate is performed.

Description

  The present invention relates to a loan management system, a loan management method, and a loan management program for providing a loan to a company employee.

  For example, when a self-funding is insufficient when purchasing a house, a loan is often used, and a housing loan for this purpose is provided by a financial institution (see, for example, Non-Patent Document 1). In this mortgage, for the purpose of acquisition of residential land and new construction / renovation of a house, funds are lent from a bank or the like with the house as a mortgage.

In addition, a repayment plan generation support system that reduces the risk of a financial institution and provides a loan that is highly convenient for the user has been studied (for example, see Patent Document 1).
In addition, each company may have an internal loan system as one of the employee benefits. Such in-house loan systems include direct loans by companies and company-guaranteed corporate alliance loans.

  In the case of direct lending by a company, the company provides funds to employees and repays by payroll deduction. In this case, mortgages are often not set, and companies may use loan insurance to avoid risk.

  In addition, in company-guaranteed corporate tie-up loans, for the benefit of corporate employees, the company and the bank sign a contract so that benefits such as interest rate preferential treatment can be obtained. Sometimes make loans. Again, repayments can be made by payroll deduction or the company can guarantee the risk. A bank server system that accepts applications using the Internet when an employee applies for various services such as corporate tie-up loans to a bank has also been studied (see, for example, Patent Document 2).

JP 2009-87050 A (first page, FIG. 1) JP 2002-109215 A (first page, FIG. 1)

Mizuho Bank, “mortgage”, [online], [searched on September 11, 2010], Internet, <URL: http://www.mizuhobank.co.jp/direct/about_direct/housing/>

  When a company lends directly to an employee, the burden of lending management at the company increases. Employees also need to refinance their financial institutions when they retire or take leave, which is expensive and time-consuming.

In the case of company-guaranteed corporate tie-up loans, there is a concern that the debt will become apparent when the employee defaults. In addition, a mortgage is often set for the borrower's property, which increases the administrative burden and expense burden on companies and employees. Some borrowers may hate having a mortgage registration history in their home or other property. Furthermore, it is necessary for the bank to consider the risk burden of the deterioration of the business performance of the company where this employee works.

  SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and an object of the present invention is to provide a loan management system, a loan management method, and a loan management for efficiently and accurately providing a loan to a company employee. To provide a program.

  In order to solve the above-mentioned problems, the invention described in claim 1 includes a workplace information storage means for storing company status information of a workplace company of an employee who uses a loan, and employment of an employee who uses the loan. A loan management system that is connected to an employee information storage means that stores a situation and includes a control means for managing a loan provided to an employee, wherein the control means is a member of the employee who uses the loan. The means for identifying the employee to be evaluated and the company to be evaluated and the company status information of the employer company are obtained from the employer information storage means, and it is determined whether or not the company status information satisfies the employer requirement. And information on the employment status of the employee is acquired from the employee information storage means, an employee index value is calculated based on the employment status, and the employee index value satisfies a borrower requirement Whether And if the client's requirements and the borrower's requirements are satisfied, the loan is continued. If the employer's requirements and / or the borrower's requirements are not satisfied, And a means for performing an alerting process.

The invention described in claim 2 is summarized in that, in the loan management system according to claim 1, the company status information of the employer company includes information on a financial index value.
The invention described in claim 3 is the loan management system according to claim 1 or 2, wherein the employment status includes information on an employee's annual income, and the employee index value includes the annual income and annual repayment. The gist is to calculate the first index value using the amount and the second index value using the annual income and the loan balance.

The gist of the invention according to claim 4 is the loan management system according to any one of claims 1 to 3, wherein the employment status includes employee retirement schedule information.
The gist of the invention described in claim 5 is that, in the loan management system according to any one of claims 1 to 4, in the alert processing, a notification email for renewal of registration application required documents is transmitted. .

  The gist of a sixth aspect of the present invention is that, in the loan management system according to any one of the first to fifth aspects, in the alert processing, a notification mail of the registration is transmitted.

  The invention described in claim 7 is a workplace information storage unit that stores company status information of a company that employs a loan, and an employee information storage unit that stores a status of employment of an employee who uses the loan. And managing a loan using a loan management system having a control means for managing a loan provided to an employee, wherein the control means Identifying the employee to be evaluated and the employer company, and obtaining the enterprise status information of the employer company from the employer information storage means, and determining whether the enterprise status information satisfies the employer requirement Obtaining information on the employment status of the employee from the employee information storage means, calculating an employee index value based on the employment status, and the employee index value satisfies a borrower requirement Corner The loan is continued if the employer requirement and the borrower requirement are satisfied, and if at least one of the employer requirement and the borrower requirement is not satisfied, The gist is to execute the alerting process for the property.

  The invention according to claim 8 is an employee information storage means for storing the company status information of the employer company of the employee who uses the loan, and an employee information storage means which stores the employment status of the employee who uses the loan. A program for managing a loan using a loan management system having a control means for managing a loan provided to an employee, wherein the control means is an employee using the loan. Means for identifying an employee to be evaluated and a company at work, company status information of the company at work is obtained from the work information storage means, and whether or not the company status information satisfies a job requirement Means for determining, information on the employment status of the employee is obtained from the employee information storage means, an employee index value is calculated based on the employment status, and the employee index value satisfies a borrower requirement The means for determining whether or not the employer requirement and the borrower requirement are satisfied, the loan is continued, and if not satisfying at least one of the employer requirement and the borrower requirement, The gist is to make it function as an alerting process for collateral.

(Function)
According to the invention described in claim 1, 7 or 8, the control means specifies the employee to be evaluated and the employer company among the employees who use the loan. Then, the company status information of the employer company is acquired from the employer information storage means, and it is determined whether or not the company status information satisfies the employer requirement. Further, information on the employee's working status is obtained from the employee information storage means, an employee index value is calculated based on the working status, and it is determined whether the employee index value satisfies the borrower requirement. If the employer requirement and the borrower requirement are satisfied, the loan is continued, and if not satisfying at least one of the employer requirement and the borrower requirement, a warning process is performed for the collateral property of the user. Thereby, a corporate alliance loan can be provided efficiently and accurately according to the financial status of the company and the employment status of the employees.

  According to the invention described in claim 2, the information on the financial index value is included in the company status information of the employer company. Thereby, it is possible to alert the company status information of the employer company according to the financial status.

  According to the third aspect of the present invention, as the employee index value, the first index value is calculated using the annual income amount and the annual repayment amount, and the second index value is calculated using the annual income amount and the loan balance. Thereby, an employee's repayment ability can be evaluated.

  According to the fourth aspect of the present invention, the employment status includes employee retirement schedule information. As a result, even if the corporate alliance loan cannot be used, the loan form can be promptly changed.

According to the invention described in claim 5, in the alert process, a notification mail for renewal of the registration application required document is transmitted. This can call attention if there is a default concern.
According to the sixth aspect of the present invention, the notice mail for the main registration is transmitted in the alerting process. Thereby, it is possible to accurately collect the loan.

  According to the present invention, it is possible to provide a loan management system, a loan management method, and a loan management program for efficiently and accurately providing loans to employees of a company.

The system schematic of embodiment of this invention. It is explanatory drawing of the data storage part of embodiment of this invention, (a) is a user management data storage part, (b) is a company management data storage part, (c) is a case management data storage part, (d) Is an explanatory diagram of data recorded in the collateral management data storage unit. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of other embodiment. Explanatory drawing of the service form of this embodiment.

  Hereinafter, an embodiment embodying the present invention will be described with reference to FIGS. First, the outline of this service form will be described with reference to FIG. In the present embodiment, the bank C provides a loan to the employee B working for the company A through a corporate alliance loan. In addition, although this embodiment demonstrates mortgage as object, it is not limited to this, It can provide to secured financing. In this case, the company A repays the loan amount to the bank C by deducting the repayment amount from the salary amount of the employee B. On the other hand, the guarantee company D collects the guarantee fee from the employee B as the borrower, and performs provisional registration or registration reservation processing of the mortgage on the property subject to the corporate tie-up loan. When default concerns occur, the mortgage on the collateral is fully registered, and the guarantee company D guarantees the bank C with a loan. Furthermore, the guarantee company D pays an insurance premium to the insurance company E, and insures the estimated loss amount obtained by subtracting the estimated recovery amount due to disposal of collateral from the guarantee amount to the bank C.

In order to manage this corporate alliance loan service, the service management server 20 (service management system) shown in FIG. 1 is used.
The service management server 20 is connected to the client terminal 10 and the company server 30 via a network.

  The client terminal 10 is a computer terminal used by a person in charge at a bank or a guarantee company. The client terminal 10 includes a display as output means, and a keyboard and pointing device as input means.

The company server 30 is a computer system that manages information related to work status and income for each employee code of an employee. In addition to managing information on the work status and the amount of income, the company server 30 may execute a process of providing work status information and income information in response to a request from the service management server 20.
In this work status information, retirement schedule information is managed for each employee code.
In the income information, annual income information is managed for each employee code.

  The service management server 20 is a computer system that manages corporate alliance loans provided to employees. As shown in FIG. 1, the service management server 20 includes a control unit 21, a user management data storage unit 22, a company management data storage unit 23, a case management data storage unit 24, and a collateral management data storage unit 25. The control unit 21 performs various processes for managing loans provided to employees. The control unit 21 includes a CPU, a RAM, a ROM, and the like as control means, and performs processes (processes such as a loan management stage, a company evaluation stage, and an employee evaluation stage) described later. By executing the loan management program for this purpose, the control unit 21 functions as the loan management means 211, the company evaluation means 212, the employee evaluation means 213, and the like.

The loan management unit 211 receives a credit evaluation request from the client terminal 10 and executes a process of outputting a credit evaluation result for the target person.
The company evaluation unit 212 executes an evaluation process of a company in which an employee whose credit is to be evaluated works. For this purpose, the company evaluation means 212 holds data relating to the company first requirement and the company second requirement as the employer requirement in correspondence with the financial index value (company status information). In the present embodiment, it is assumed that the company second requirement is a condition in which the alert target range is wider than the company first requirement.

  The employee evaluation means 213 executes an evaluation process for employees who are credit evaluation targets. For this purpose, the employee evaluation means 213 holds data relating to a calculation formula for calculating an employee index value (borrower first index value or borrower second index value) regarding the employee. Furthermore, the employee evaluation means 213 holds data relating to the employee first requirement and the employee second requirement in correspondence with the employee index value. In the present embodiment, it is assumed that the employee second requirement is a condition in which the target range for alerting is wider than the employee first requirement.

  The user management data storage unit 22 functions as an employee information storage unit, and stores a user management record 220 relating to an employee who uses a corporate alliance loan, as shown in FIG. This user management record 220 is recorded when a corporate alliance loan is provided to an employee. The user management record 220 includes data related to a user code, a company code, an employee code, a user name, a contact address, a work status, and an annual income.

  In the user code data area, data relating to an identifier for identifying the user of the corporate affiliate loan is recorded. In this service, employees who work for the company become users.

In the company code data area, data relating to an identifier for identifying the company of the employer where the user works is recorded.
In the employee code data area, data relating to an identifier (for example, an employee number) for identifying an employee in this company is recorded.

In the user name data area and the contact address data area, data related to the user's name and contact information (for example, an e-mail address) are recorded.
In the work status data area and the annual income data area, data relating to the work status of the user at the place of employment and the income paid from the company are recorded.

  The company management data storage unit 23 functions as a workplace information storage unit, and stores a company management record 230 relating to company status information of a company that provides a company-affiliated loan to an employee, as shown in FIG. To do. This company management record 230 is recorded when each company providing a corporate alliance loan is registered. The company management record 230 includes data relating to a company code, a company outline, and financial indicators.

  In the company code data area, data relating to an identifier for specifying a company that provides a corporate partnership loan to an employee is recorded. By using this company code, a financial index described later can be acquired from a known company information database.

In the company outline data area, data relating to the outline of the company is recorded.
In the financial index data area, data relating to a financial index value indicating the financial status is recorded as the corporate status information of this company. As this corporate status information, financial contents, external ratings, financial covenants, etc. can be used. As the company status information, information periodically acquired from a company information database or a company is registered.

  As shown in FIG. 2C, the case management data storage unit 24 stores a case management record 240 related to a corporate alliance loan provided to employees. This case management record 240 is recorded when a corporate alliance loan is provided to an employee. The case management record 240 includes data related to the user code, balance, period, annual repayment amount, and other case information.

In the user code data area, data relating to an identifier for identifying a user who uses a corporate affiliate loan is recorded.
In the balance data area, data related to the loan balance in this corporate alliance loan is recorded.

In the period data area, data relating to the repayment period in this corporate alliance loan is recorded.
In the annual repayment amount data area, data relating to the amount that the user repays in one year is recorded in this corporate alliance loan.
In the other project information data area, data relating to information normally held by a financial institution for managing a mortgage project is recorded.

  As shown in FIG. 2 (d), the collateral management data storage unit 25 manages collateral on a property (in principle, a housing property to be purchased in a mortgage loan) for ensuring the performance of the repayment obligation of a corporate tie-up loan. Records 250 are stored. This collateral management record 250 is recorded when a collateral property for a corporate alliance loan is registered. The collateral management record 250 includes data relating to a user code, property contents, collateral status, and seal certificate renewal status.

In the user code data area, data relating to an identifier for identifying a user of a corporate affiliate loan is recorded.
In the property content data area, various data (address, property type, etc.) for specifying a collateral property for a corporate alliance loan are recorded.

In the collateral status data area, data related to flags for specifying the mortgage setting status (provisional registration (or registered reservation), final registration) for this property, and various information (evaluation amount, construction) Years, floor plan, area, structure, etc.) are recorded.
In the seal certificate renewal status data area, data relating to the date of renewal of a registration application required document (here, a seal certificate) necessary for setting a mortgage for a property is recorded. In this embodiment, it is assumed that the renewal status of the seal certificate is managed, but the registration application required document is not limited to the seal certificate, but should be applied to the document necessary for registration of mortgage setting Can do.

  A credit evaluation process in the case of managing a corporate alliance loan provided to a user using the system configured as described above will be described. This credit evaluation process is performed based on the determination of company requirements and the determination of employee requirements.

  First, the control unit 21 of the service management server 20 executes an evaluation subject identification process (step S1-1). When checking the credit status of a user at a bank or a guarantee company, the service management server 20 is accessed using the client terminal 10. In this case, the control unit 21 of the service management server 20 outputs a user code input screen on the display of the client terminal 10. The person in charge of the bank inputs a user code for credit evaluation on this input screen and inputs an evaluation instruction. In this case, the client terminal 10 transmits an evaluation request to the service management server 20 via the network. This evaluation request includes the user code input on the input screen. The loan management unit 211 of the control unit 21 of the service management server 20 acquires the user code from the client terminal 10.

In this case, first, the service management server 20 executes a company requirement determination process.
Here, the control part 21 of the service management server 20 performs the acquisition process of the financial content of a working company (step S1-2). Specifically, the company evaluation unit 212 of the control unit 21 extracts the user management record 220 in which the acquired user code is recorded from the user management data storage unit 22. Then, the company evaluation unit 212 acquires the company code stored in the extracted user management record 220. Next, the company evaluation unit 212 extracts the company management record 230 in which the company code is stored from the company management data storage unit 23. Then, the company evaluation unit 212 acquires the financial index of the extracted company management record 230.

  Next, the control unit 21 of the service management server 20 executes a determination process as to whether or not the index value of the financial contents satisfies the company first requirement (step S1-3). Specifically, the company evaluation unit 212 of the control unit 21 compares the acquired financial index with the company first requirement.

  When the index value does not satisfy the company first requirement (in the case of “NO” in Step S1-3), the control unit 21 of the service management server 20 executes a mortgage registration process for alerting (Step S1). -4). Specifically, the company evaluation unit 212 of the control unit 21 notifies the loan management unit 211 that the company first requirement has not been cleared. In this case, the loan management means 211 determines that the corporate affiliation loan cannot be used. Then, the loan management unit 211 acquires the collateral management record 250 in which the user code is stored from the collateral management data storage unit 25. When the real registration flag is not stored in the collateral status data area of the collateral management record 250, it is determined that the real registration of the mortgage is necessary. In this case, the loan management unit 211 generates evaluation result screen data indicating that the use is not possible. The evaluation result screen data includes a message indicating that the company in which the user works does not clear the company first requirement. Further, the evaluation result screen data includes a message indicating that this property requires mortgage registration.

  On the other hand, when the index value has cleared the company first requirement (in the case of “YES” in step S1-3), the control unit 21 of the service management server 20 clears the index value of the financial content to the company second requirement. A determination process is performed as to whether or not it is being performed (step S1-5). Specifically, the company evaluation unit 212 of the control unit 21 compares the acquired financial index with the company second requirement (a condition that is more difficult to clear than the company first requirement).

  When the index value does not satisfy the company second requirement (“NO” in step S1-5), the control unit 21 of the service management server 20 executes a reminder process for renewing the seal certificate (step S1). -6). Specifically, the company evaluation unit 212 of the control unit 21 notifies the loan management unit 211 that the company second requirement has not been cleared. In this case, the loan management means 211 determines that it can be used under certain conditions. Then, the loan management unit 211 acquires the collateral management record 250 in which the user code is stored from the collateral management data storage unit 25. Next, the loan management means 211 acquires the date of renewal stored in the seal certificate renewal status data area of the collateral management record 250, and calculates the number of days that have elapsed since this renewal date. If the number of elapsed days exceeds the reference number of days, it is determined that the seal certificate needs to be renewed. In this case, the loan management means 211 generates evaluation result screen data indicating that it can be used with some conditions. The evaluation result screen data includes a message indicating that the company in which the user works does not satisfy the company second requirement. Further, the evaluation result screen data includes a message indicating that the seal certificate needs to be updated for this property.

If the index value of the financial content has cleared the company first requirement and the second requirement (in the case of “YES” in step S1-5), the service management server 20 executes an employee requirement determination process.
Here, the control unit 21 of the service management server 20 executes an operation status information acquisition process (step S1-7). Specifically, the employee evaluation means 213 of the control unit 21 accesses the company server 30 of the company that the user is working for, or the company that the financial institution recognizes as managing the management of the company. Then, the employee evaluation unit 213 acquires the work status and the annual income corresponding to the employee code from the company server 30 as the work status information. The work status information may be obtained directly from the company. Employee evaluation means 213
Records the acquired work status and annual income in the user management record 220.

Next, the control unit 21 of the service management server 20 executes a borrower index value calculation process (step S1-8). Specifically, the employee evaluation unit 213 of the control unit 21 extracts a case management record 240 in which a user code to be evaluated is recorded from the case management data storage unit 24. Then, the employee evaluation unit 213 acquires the annual repayment amount and the balance recorded in the case management record 240. For example, each borrower index value is calculated by the following formula.
[Borrower 1st index value] = [Annual repayment amount] / [Annual income]
[Borrower second index value] = [Balance] / [Annual income]

  Next, the control part 21 of the service management server 20 performs the determination process about whether the borrower index value has cleared the employee 1st requirement (step S1-9). Specifically, the employee evaluation means 213 of the control unit 21 compares the calculated borrower first index, the borrower second index and the employee first requirement.

  When the borrower index value does not satisfy the employee first requirement (in the case of “NO” in step S1-9), the control unit 21 of the service management server 20 executes an attention calling process for mortgage registration. (Step S1-4). Specifically, the employee evaluation unit 213 of the control unit 21 notifies the loan management unit 211 that the employee first requirement has not been cleared. In this case as well, the loan management unit 211 determines that the corporate affiliation loan cannot be used, and generates evaluation result screen data indicating that the loan cannot be used. The evaluation result screen data includes a message indicating that the user has not cleared the employee first requirement. Further, the evaluation result screen data includes a message indicating that this property requires mortgage registration.

  When the retirement schedule is set in the work status information acquired from the company server 30, the period of the corporate alliance loan in the case management record 240 is compared with the planned retirement date. Here, even when a retirement schedule is set during the repayment period of the corporate affiliated loan, the loan management means 211 determines that the loan cannot be used, and performs an alert process (step S1-4) for registering the mortgage. Execute. In this case, the amount required for the full advance redemption is calculated at the same time as the alerting process for the final mortgage registration, and it is notified that, in addition to the full mortgage registration, the full advance redemption by retirement allowance is also possible.

  When the borrower index value has cleared the employee first requirement (“YES” in step S1-9), the control unit 21 of the service management server 20 determines that the borrower index value satisfies the employee second requirement. A determination process is performed as to whether or not it has been cleared (step S1-10). Specifically, the employee evaluation means 213 of the control unit 21 calculates the calculated borrower first index, the borrower second index, and the employee second requirement (conditions that are more difficult to clear than the employee first requirement). Compare.

  When the borrower index value does not satisfy the employee second requirement (in the case of “NO” in step S1-10), the control unit 21 of the service management server 20 executes a reminder process for renewing the seal certificate. (Step S1-6). Specifically, the employee evaluation unit 213 of the control unit 21 notifies the loan management unit 211 that the employee second requirement is not cleared. Also in this case, the loan management means 211 determines that the condition can be used, and generates evaluation result screen data indicating that the condition can be used. Include a message indicating that is not cleared. Further, the evaluation result screen data includes a message indicating that the seal certificate needs to be updated for this property.

And the control part 21 of the service management server 20 performs a result output process (step S1-11). Specifically, the loan management means 211 of the control unit 21 is the client terminal 1
The evaluation result screen is output to the 0 display. Here, when all the company requirements and employee requirements are cleared, an evaluation result screen indicating that there is no problem is output. On the other hand, if either the company requirement or the employee requirement has not been cleared, the evaluation result screen generated in steps S1-4 and S1-6 is output.

According to this embodiment, the following effects can be obtained.
(1) In this embodiment, the control part 21 of the service management server 20 performs the determination process about whether the index value of the financial content has cleared the company 1st requirement (step S1-3). When the index value does not satisfy the company first requirement (in the case of “NO” in Step S1-3), the control unit 21 of the service management server 20 executes a mortgage registration process for alerting (Step S1). -4). As a result, when there is a problem with the financial situation of the company providing the corporate tie-up loan, the risk that the repayment money cannot be collected can be reduced by setting a mortgage on the collateral.

  (2) In the present embodiment, when the index value clears the first requirement of the company (in the case of “YES” in step S1-3), the control unit 21 of the service management server 20 determines the index value of the financial content Is executed to determine whether or not the company has satisfied the company second requirement (step S1-5). When the index value does not satisfy the company second requirement (“NO” in step S1-5), the control unit 21 of the service management server 20 executes a reminder process for renewing the seal certificate (step S1). -6). As a result, if there is a default concern about the financial situation of the company providing the corporate tie-up loan, prepare the necessary documents for the registration application for setting the mortgage and reduce the risk that the repayment will not be collected can do.

  (3) In this embodiment, the control part 21 of the service management server 20 performs the determination process about whether the borrower index value has cleared the employee 1st requirement (step S1-9). When the borrower index value does not satisfy the employee first requirement (in the case of “NO” in step S1-9), the control unit 21 of the service management server 20 executes an attention calling process for mortgage registration. (Step S1-4). Thereby, when there is a problem in the working situation of the employee who uses the corporate alliance loan, the risk that the repayment money cannot be collected can be reduced by setting a mortgage on the collateral.

  (4) In this embodiment, when the borrower index value has cleared the employee first requirement (“YES” in step S1-9), the control unit 21 of the service management server 20 A determination process as to whether or not the index value satisfies the employee second requirement is executed (step S1-10). When the borrower index value does not satisfy the employee second requirement (in the case of “NO” in step S1-10), the control unit 21 of the service management server 20 executes a reminder process for renewing the seal certificate. (Step S1-6). As a result, if there is a default concern for an employee using a corporate tie-up loan, the mortgage can be set up and the risk that the repayment will not be collected can be reduced.

In addition, you may change each said embodiment as follows.
In the above embodiment, the service management server 20 executes the credit evaluation process in response to the credit status inquiry from the client terminal 10. The execution timing of the credit evaluation process is not limited to this, and the service management server 20 may periodically execute it. In this case, the credit evaluation process is sequentially executed for the users of the respective user management records 220 stored in the user management data storage unit 22.

In the above-described embodiment, the company management data storage unit 23 records the company management record 230 related to the company that provides the company with an affiliated loan. The company management record 230 includes data relating to a company code, a company name, and a financial index. This financial index may be obtained by accessing the company information database when executing the company requirement determination process.

  -In the above embodiment, in the employee requirement determination process, if the borrower's first and second indicators do not satisfy the borrower requirement, the mortgage registration process (step S1-4), seal certification A renewal warning process (step S1-6) is executed. Alternatively, if the borrower requirement cannot be cleared, it may be urged to clear the borrower requirement by partial advance repayment. In this case, the control unit 21 of the service management server 20 holds a guarantee fee calculation table for calculating a guarantee fee (including a returnable guarantee fee amount) corresponding to the balance. In the employee requirement determination process, the process shown in FIG. 4 is performed.

Here, the control part 21 of the service management server 20 performs the identification process of an evaluation object person similarly to step S1-1 (step S2-1).
Next, the control part 21 of the service management server 20 performs the calculation process of a borrower index value similarly to step S1-8 (step S2-2).

  Next, the control part 21 of the service management server 20 performs the determination process about whether a borrower index value has cleared the employee 1st requirement similarly to step S1-9 (step S2-3). .

  When the borrower index value has cleared the employee first requirement (in the case of “YES” in step S2-3), the control unit 21 of the service management server 20 performs the borrower index similarly to step S1-10. A determination process is performed as to whether or not the value satisfies the employee second requirement (step S2-4).

  When the borrower index value satisfies the borrower first and second requirements (in the case of “YES” in Step S2-4), the control unit 21 of the service management server 20 is the same as Step S1-11. Then, a result output process is executed (step S2-9). Specifically, the loan management unit 211 of the control unit 21 outputs an evaluation result screen indicating that there is no problem.

  On the other hand, when the borrower index value does not satisfy the employee first requirement or second requirement (in the case of “NO” in steps S2-3 and S2-4), the control unit 21 of the service management server 20 advances A calculation process of balance and annual repayment amount when the repayment is performed is executed (step S2-5). Specifically, the employee evaluation unit 213 of the control unit 21 sequentially generates a partial advance repayment candidate amount in which the amount is changed. Then, the employee evaluation means 213 subtracts the partial advance repayment candidate amount from the repayment balance of the case management record 240 to calculate the balance when the advance repayment is performed. Furthermore, the employee evaluation means 213 calculates a review amount of the guarantee fee corresponding to the balance change (difference between the initial guarantee fee and the guarantee fee corresponding to the calculated balance) from the guarantee fee calculation table. Furthermore, the employee evaluation unit 213 acquires the period of the case management record 240 and calculates an annual repayment amount for repayment of the balance.

  Next, the control unit 21 of the service management server 20 executes a determination on whether there is a repayment condition that can clear the employee requirement (step S2-6). Specifically, the employee evaluation means 213 of the control unit 21 calculates the borrower second index using the balance calculated for each advance repayment candidate amount, and this index value can partially clear the employee requirements. Search for the repayment candidate amount. Furthermore, the employee evaluation means 213 calculates a borrower second index, and searches for a partial advance repayment candidate amount that can clear the employee requirement by this index value. Then, the employee evaluation means 213 searches for a partial advance repayment candidate amount that the borrower first index and second index clear the employee requirement.

When there is a repayment condition that can clear the employee requirement ("YES" in step S2-6
), The control unit 21 of the service management server 20 executes a partial advance repayment recommendation process (step S2-7). Specifically, the employee evaluation unit 213 of the control unit 21 notifies the loan management unit 211 that the employee requirement can be cleared by partial advance repayment. In this case, the loan management means 211 generates evaluation result screen data that prompts partial advance repayment. The evaluation result screen data includes the minimum amount of the partial advance repayment candidate amount that allows the index value to clear the employee requirement and the amount of review of the guarantee fee.

  On the other hand, when there is no repayment condition that can clear the employee requirement (in the case of “NO” in step S2-6), the control unit 21 of the service management server 20 executes a warning process according to the employee requirement. (Step S2-8). Specifically, the employee evaluation unit 213 of the control unit 21 generates evaluation result screen data as in steps S1-4 and S1-6.

  In the above embodiment, the employee index values (the borrower first index value and the borrower second index value) are calculated using the annual repayment amount, the annual income balance, and the annual income, and compared with the borrower requirements. Borrower requirements are not limited to this. You may make it calculate based on the total borrowing balances other than a loan. In this case, the total borrowing balance information to be evaluated is acquired from the credit information database in which the borrower's total borrowing balance is stored. Then, the borrower requirement is evaluated by using [annual income] / [total borrowing balance] or the like as the employee index value. Thereby, when the total borrowing balance increases, it is possible to call attention based on borrower requirements.

  Further, it may be calculated based on the repayment status of other loans. Also in this case, the repayment status information of other loans is acquired from the credit information database in which the repayment status of the borrower's other loans is stored. Then, repayment status information of other loans is also used as an employee index value, and borrower requirements are evaluated. For example, if there is a delay in repayment of other loans, alerts can be made based on borrower requirements.

  Furthermore, the level of the index value may be changed based on information on the borrower's employment form (for example, regular employee / contract employee). In this case, the employee evaluation means 213 holds an index value correction table storing a correction value for changing the index value according to the borrower's employment form. The employee evaluation means 213 acquires the borrower's employment form information from the company server 30, and obtains a correction value corresponding to the employment form from the index value correction table. And the employee evaluation means 213 changes an index value with this correction value. Thereby, since a risk changes according to an employment form, an exact index value can be used.

  In the above embodiment, the service management server 20 executes the credit evaluation process. The hardware configuration for executing the credit evaluation process is not limited to the server / client system, and may be realized by a cloud computing system in which computers for executing each process are distributed. In this case, the loan management system can be accessed from a plurality of bank servers, and the credit evaluation result can be provided to each bank server that provides a corporate linkage loan.

  DESCRIPTION OF SYMBOLS 10 ... Client terminal, 20 ... Service management server, 21 ... Control part, 211 ... Loan management means, 212 ... Company evaluation means, 213 ... Employee evaluation means, 22 ... User management data storage part, 23 ... Company management data storage Part, 24 ... matter management data storage part, 25 ... collateral management data storage part, 30 ... company server.

Claims (8)

Employer information storage means for storing company status information of the employer's employer who uses the loan;
Connected to employee information storage means that stores the employment status of employees who use loans,
A loan management system having a control means for managing loans provided to employees,
The control means is
A means of identifying employees and employers to be evaluated among the employees using the loan;
Means for obtaining company status information of the employer company from the employer information storage means, and determining whether the company status information satisfies an employer requirement;
Obtaining information on the employment status of the employee from the employee information storage means, calculating an employee index value based on the employment status, and determining whether the employee index value satisfies a borrower requirement Means to
If you satisfy the employer requirement and the borrower requirement, continue financing,
A loan management system, comprising: means for performing an alerting process for the collateral property of the user when at least one of the employer requirement and the borrower requirement is not satisfied.   The loan management system according to claim 1, wherein the company status information of the employer includes information related to a financial index value. The employment status includes information on the employee's annual income,
The first index value is calculated using the annual income amount and the annual repayment amount as the employee index value, and the second index value is calculated using the annual income amount and the loan balance. The loan management system according to 2.   The loan management system according to any one of claims 1 to 3, wherein the employment status includes employee retirement schedule information.   The loan management system according to any one of claims 1 to 4, wherein a notification mail for renewal of a registration application-necessary document is transmitted in the alerting process.   The loan management system according to any one of claims 1 to 5, wherein a notification mail of the registration is transmitted in the alerting process. Employer information storage means for storing company status information of the employer's employer who uses the loan;
Connected to employee information storage means that stores the employment status of employees who use loans,
A method of managing a loan using a loan management system having a control means for managing a loan provided to an employee,
The control means is
Identifying the employees and employers to be evaluated among the employees using the loan;
Obtaining company status information of the employer company from the employer information storage means, and determining whether the company status information satisfies an employer requirement;
Obtaining information on the employment status of the employee from the employee information storage means, calculating an employee index value based on the employment status, and determining whether the employee index value satisfies a borrower requirement And the stage of
If you satisfy the employer requirement and the borrower requirement, continue financing,
A loan management method comprising: performing an alerting process on a collateral property of the user when at least one of the employer requirement and the borrower requirement is not satisfied. Employer information storage means for storing company status information of the employer's employer who uses the loan;
Connected to employee information storage means that stores the employment status of employees who use loans,
A program for managing a loan using a loan management system having a control means for managing a loan provided to an employee,
The control means;
A means to identify employees and employers to be evaluated among employees who use loans,
Means for obtaining company status information of the employer company from the employer information storage means, and determining whether the company status information satisfies an employer requirement;
Obtaining information on the employment status of the employee from the employee information storage means, calculating an employee index value based on the employment status, and determining whether the employee index value satisfies a borrower requirement Means to
If you satisfy the employer requirement and the borrower requirement, continue financing,
A loan management program characterized by causing a user to function as an alerting process for a user's secured property when at least one of the employer requirement and the borrower requirement is not satisfied.

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