JP2015022610A - Collateral voluntary sell-out management program and collateral voluntary sell-out management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To facilitate execution of voluntary sell-out clerical work, and management and disposal of collateral, to thereby enable simple creation of multiple distribution plans.SOLUTION: A collateral voluntary sell-out management program includes: a credit data registration function for allowing credit data to be obtained and stored; a security right data registration function for allowing security right data to be obtained and stored; a collateral data registration function for allowing bidding assumed amount data and sell-out estimated amount data of collateral to be obtained and stored; an expense deduction amount data registration function for allowing expense deduction amount data to be obtained and stored; an auction simulation function for allowing auction expense data to be obtained, and allowing a dividend amount at a time of auction to be calculated on the basis of the credit data, security right data, bidding assumed amount data, and auction expense data; a voluntary sell-out simulation function for allowing a dividend amount at a time of voluntary sell-out to be calculated on the basis of the credit data, security right data, sell-out estimated amount data, and expense deduction amount data; and a voluntary sell-out adjustment simulation function for allowing a new dividend amount at a time of voluntary sell-out in which the dividend amount at a time of voluntary sell-out has been changed to be obtained, and allowing a changed dividend amount at a time of voluntary sell-out to be calculated on the basis of the new dividend amount at a time of voluntary sell-out.

Description

The present invention relates to a system that manages information related to disposal of collateral properties that are related to each other, simulates a dividend forecast to a creditor by auction and a distribution plan by voluntary sale, and a computer program used therefor.

If the debtor is unable to meet its obligations through normal repayment, the collateral will be disposed of. This disposal of collateral may be by auction or voluntary sale. In many cases, there are multiple receivables and collateral for a single obligor, and these must be managed together. Of these, voluntary sales of collateral are conducted by agents entrusted by the debtor and real estate intermediaries, etc., but mainly by hand, using spreadsheet software.

Patent Document 1 describes a program for calculating an auction dividend.

JP 2006-164227 A

A certain amount of time is required for the auction or voluntary sale of collateral properties after the necessity arises until the payment of dividends or distributions to creditors is completed. There are various procedures and considerations in the meantime, and it is necessary to handle them accurately according to the schedule. In the case of auctions, the court takes the lead in accordance with statutory procedures, so there are few options for managing collateral, the management is relatively uniform, and the burden of manual work is not very large. . However, bidding by auction is generally low and it is difficult to pay a sufficient dividend.

On the other hand, if the disposal is voluntary sale, sale higher than the auction bid can be expected, and more allocation can be made to creditors. However, the mutual interests of multiple creditors clash depending on how they are allocated. Moreover, since the distribution plan by voluntary sale is not enforceable, it cannot be established unless the creditors understand. Therefore, in order to obtain the consent of creditors who are interested in each other, it is preferable to prepare a plurality of allocation plans flexibly. In addition, auction procedures often proceed in parallel, and schedule management is also important in order to establish a voluntary sale. Thus, it is difficult to create a large number of distribution plans within a limited time limit by the conventional manual management method. The invention of Patent Document 1 also relates to an auction dividend calculation method, which is insufficient as a distribution plan for voluntary sale.

An object of the present invention is to provide a collateral property arbitrary sale management program and a collateral property arbitrary sale management system that facilitate disposal of collateral properties by arbitrary sale using a computer and that can easily create a plurality of distribution plans. And

In order to solve the above problems, the collateral property arbitrary sale management program of the present invention is a program that is executed by a computer and causes the computer to function as a collateral property arbitrary sale management system,
A claim data registration function that allows a computer to acquire bond data and store it in a computer storage device;
A security right data registration function for causing a computer to acquire security right data and storing it in a storage device of the computer;
A collateral property data registration function that causes a computer to acquire estimated bid data and planned sale amount data of a collateral property and store it in a computer storage device,
Cost deduction data registration function that allows the computer to acquire deductible amount (expense deduction data) of the costs associated with optional sale and store it in the storage device of the computer,
An auction simulation function for causing a computer to acquire the cost required for an auction (auction cost data), and causing the computer to calculate a dividend amount at the time of auction based on bond data, collateral rights data, expected bid data, and auction cost data;
Arbitrary sale simulation function that allows the computer to calculate the distribution amount at the time of voluntary sale based on the bond data, collateral right data, planned sale amount and expense deduction data,
An instruction to change the distribution amount at the time of arbitrary sale is displayed on the display device on the computer, the distribution amount at the time of arbitrary sale changed through the input device is acquired, and the computer after the change is changed to the computer based on the distribution amount at the time of arbitrary sale It has a voluntary sale modification simulation function that calculates the distribution amount at the time of sale.

In addition to the above functions, the computer also calculates the ratio of the sum of the cost deduction amount data and the sum of the planned sale amount data, compares the ratio with a predetermined threshold value, and indicates when the threshold value is exceeded. Cost deduction evaluation function to display,
The auction schedule data registration function that allows the computer to acquire schedule data related to auctions, and the computer to acquire progress data related to arbitrary sales, and the comparison result between the progress status data and the auction schedule data. It is preferable to have an optional sale schedule management function for displaying.

Moreover, the collateral property arbitrary sale management system of this invention is the collateral which installs a computing device, a storage device, an input device, a computer provided with a display device, and a computer installed in the storage device and functions as a collateral property arbitrary sale management system. Has a property voluntary sale management program,
The collateral property voluntary sale management program allows a computer to acquire bond data and store it in a computer storage device.
A security right data registration function for causing a computer to acquire security right data and storing it in a storage device of the computer;
A collateral property data registration function that causes a computer to acquire estimated bid data and planned sale amount data of a collateral property and store it in a computer storage device,
Cost deduction amount data registration function for causing a computer to acquire expense deduction amount data and storing it in a computer storage device, and
An auction simulation function for causing a computer to acquire auction cost data and causing the computer to calculate a dividend amount at the time of auction based on the bond data, the security right data, the expected bid data, and the auction cost data;
Arbitrary sale simulation function that allows the computer to calculate the distribution amount at the time of voluntary sale based on the bond data, collateral right data, planned sale amount and expense deduction data,
An instruction to change the distribution amount at the time of arbitrary sale is displayed on the display device on the computer, the distribution amount at the time of arbitrary sale changed through the input device is acquired, and the computer after the change is changed to the computer based on the distribution amount at the time of arbitrary sale Arbitrary sale modification simulation function to calculate distribution amount at the time of sale,
A cost deduction evaluation function that allows the computer to calculate the ratio of the sum of the cost deduction data and the total of the planned sale amount data, and to compare the ratio with a predetermined threshold value, and to display when it exceeds the threshold value, and ,
The auction schedule data registration function that allows the computer to acquire schedule data related to auctions, and the computer to acquire progress data related to arbitrary sales, and the comparison result between the progress status data and the auction schedule data. And an optional sale schedule management function for displaying.

The collateral property voluntary sale management program and the collateral property voluntary sale management system of the present invention can calculate the dividend amount at the auction based on the claim data, the collateral right data, the expected bid data, and the auction cost data. The distribution amount at the time of voluntary sale can be calculated based on the data, the planned sale price data, and the cost deduction data. Furthermore, it is possible to easily create multiple allocation proposals by acquiring the changed voluntary sale allocation amount, calculating the voluntary sale allocation amount based on the voluntary sale allocation amount, and easily creating multiple allocation plans It is possible to compare the dividend amount at the time of auction with the distribution amount at the time of voluntary sale.

It is a conceptual diagram which shows the structure of a collateral property arbitrary sale management system. It is a conceptual diagram which shows the structure of a collateral property arbitrary sale management program. It is a conceptual diagram which shows the example of the screen display in a case management program. It is a conceptual diagram which shows the example of the screen display in a basic information management program. It is a conceptual diagram which shows the example of the screen display of the credit management in a credit guarantee management program. It is a conceptual diagram which shows the example of the screen display of collateral property management in a loan collateral management program. It is a conceptual diagram which shows the example of the screen display in an expense management program. It is a conceptual diagram which shows the example of the screen display in a simulation program. It is a conceptual diagram which shows the example of the screen display of the auction simulation in a simulation program. It is a conceptual diagram which shows the example of the screen display of the arbitrary sale simulation in a simulation program. It is a conceptual diagram which shows the example of the screen display in a work management program.

EMBODIMENT OF THE INVENTION The form for implementing this invention is demonstrated in detail based on drawing. FIG. 1 is a conceptual diagram showing a configuration of a collateral property arbitrary sale management system.

In the collateral property arbitrary sale management system 1, the computer 2 includes an arithmetic device 3, a storage device 4, an input device 5, and a display device 6. Here, the computer 2 is not particularly limited, and may have a certain arithmetic processing function, and may be a general-purpose personal computer or server. A plurality of computers may be connected via a network.

The storage device 4 is installed with a collateral property arbitrary sale management program 10, and when the collateral property arbitrary sale management program 10 is executed by the computer 2, the computer 2 functions as a collateral property arbitrary sale management system. FIG. 2 is a conceptual diagram showing the configuration of the collateral property arbitrary sale management program. The collateral property arbitrary sale management program 10 includes a case management program 11, a basic information management program 12, a claim collateral management program 13, an expense management program 14, a simulation program 15, and a work management program 16.

The case management program 11 acquires / registers case information and displays it. In this collateral property arbitrary sale management program 10, a series of mutually related receivables and collateral properties are taken as one item, and the arbitrary sale is managed for each item. When the case management program 11 is executed, a screen for prompting input of case information is displayed on the display device 6 of the computer 2, and the case data 21 input by the user using the input device 5 is stored in the storage device 4.

The basic information management program 12 acquires / registers basic information of a case. When the basic information management program 12 is executed, a screen for prompting input of basic information is displayed on the display device 6 of the computer 2, and the basic information data 22 input by the user using the input device 5 is stored in the storage device 4. .

The claim collateral management program 13 is for acquiring and registering information on claims and information on security rights. When the bond collateral management program 13 is executed, a screen for prompting input of bond information or collateral right information is displayed on the display device 6 of the computer 2, and the bond data 23 or collateral right data entered by the user using the input device 5 24 is stored in the storage device 4.

The cost management program 14 acquires and registers information related to deduction costs associated with voluntary sale of collateral. When the cost management program 14 is executed, a screen prompting the user to input expense deduction data is displayed on the display device 6 of the computer 2, and the expense deduction data 26 input by the user using the input device 5 is stored in the storage device 4. save.

The simulation program 15 includes an auction simulation program 15a and an optional sale simulation program 15b. The auction simulation program 15a causes the computer to acquire auction cost data, and causes the computer to calculate the auction dividend amount based on the bond data, the security right data, the expected bid data, and the auction cost data. The arbitrary sale simulation program 15b causes the computer to calculate the distribution amount at the arbitrary sale based on the bond data, the security right data, the planned sale price data, and the cost deduction data. In addition, let the computer display an instruction to change the distribution amount at the time of arbitrary sale on the display device, acquire the distribution amount at the time of arbitrary sale changed via the input device, and change to the computer based on the distribution amount at the time of arbitrary sale And an arbitrary sale modification simulation program 15c for calculating the distribution amount at the time of arbitrary sale.

The work management program 16 acquires and registers information related to schedules in auction procedures and voluntary sale procedures. When the work management program 16 is executed, a screen is displayed on the display device 6 of the computer 2 to prompt the user to input the auction procedure schedule and work data, or the optional sale procedure schedule and work data. The schedule and work data input using are stored in the storage device 4.

Specific examples of the collateral property arbitrary sale management program and the arbitrary sale management system will be further described. FIG. 3 is a conceptual diagram showing an example of screen display in the case management program 11. When the collateral property arbitrary sale management program 10 is activated, the case management program 11 is executed first, and the display of FIG. 3 appears on the screen. If there are already registered matters, they will be displayed here. This display screen can be switched between an in-progress case and a closed case, and in addition to the in-progress case, closed cases can also be viewed.

On the ongoing project screen, a “new registration” selection button is displayed, and a new project can be registered by selecting this button. When a person who performs a voluntary sale operation receives a request for a new case, first, the case is registered.

Items that have already been registered are displayed in the form of a list. If a case is selected on this screen using the input device, it is possible to perform an operation related to an arbitrary sale operation for the case.

FIG. 4 is a conceptual diagram showing an example of screen display in the basic information management program. This screen display appears when a case is selected in the case management program 11 or when a new case is registered. Here, on the left side of the screen, a selection menu of “basic information”, “credit, collateral”, “expense”, “distribution table”, and “work management” is displayed. The collateral management program 13, the expense management program 14, the simulation program 15, and the work management program 16 can be called. Since this selection menu is always displayed on the screen, each program can be switched freely. Therefore, although the order of performing each work is free for one item, here, description will be made in the order of flow from the top to the bottom of the selection menu.

The basic information management program can register and manage project information, debtor / owner information, and broker / purchaser information. FIG. 4 shows a screen for registration management of case information, and information such as the date of acceptance, the person in charge, the introducer, the progress, the requester, and the memo can be registered. Further, as information related to the auction status, information such as a petition status, a petitioner, a jurisdiction court, a case number, a bid opening date, a memo, and the like can be registered. The bid opening date data registered here is used in the arbitrary sale schedule management function as the arbitrary sale agreement deadline in the creditor.

FIG. 5 is a conceptual diagram showing an example of a screen display for receivable management in the receivable collateral management program. The bond collateral management program 13 executes a bond data registration function for causing a computer to acquire bond data and storing it in a computer storage device. When the screen shown in FIG. 5 is displayed on the display device and a creditor, initial borrowing amount, remaining bond amount, substitute repayment, substitute amount, etc. are input as bond data, they are stored in the storage device.

Furthermore, a security right data registration function for causing the computer to acquire the security right data and storing it in the storage device of the computer is also executed by the bond security management program 13. As the security right data, data indicating the type of security right and collateral amount data are acquired, and data indicating the relationship with the target security property is acquired and stored in the storage device.

FIG. 6 is a conceptual diagram showing an example of a screen display of collateral property management in the credit collateral management program. Here, the collateral property management program 13 executes a collateral property data registration function that causes the computer to acquire the expected bid amount data and the planned sale amount data of the collateral property and store it in the storage device of the computer. The screen shown in FIG. 6 is displayed on the display device, prompting the input of location, lot number (house number), fixed asset valuation amount, court valuation amount, estimated bid amount, planned sale amount, etc. as collateral property data. Is stored in the storage device. In addition, each collateral property is numbered as identification information and displayed as “No.” on the left side. With this identification information, the security right and the security property are associated.

As collateral property data is input, the estimated bid amount and the planned sale amount are accumulated, and the total value is displayed at the bottom of the screen. In addition, since the ratio of the total sale amount to the total expected bid amount is calculated and displayed as a percentage, the user can use it as a material for judging whether an auction or voluntary sale is advantageous.

FIG. 7 is a conceptual diagram showing an example of screen display in the expense management program 14. Here, the cost management program 14 causes the computer to calculate the ratio of the sum of the cost deduction amount data and the sum of the planned sale amount data, and to compare the ratio with a predetermined threshold value, and indicates that the threshold value is exceeded. A cost deduction evaluation function for display is performed. The screen shown in FIG. 7 is displayed on the display device, prompting the user to input cost items, amount, payment destination, transfer destination, etc. as the cost data, obtains the input data, and saves it in the storage device.

As the cost data is input, the amount (expense deduction data) is accumulated and the total value is displayed at the bottom of the screen. In addition, the ratio of the total cost deduction data to the total planned sale price is calculated and displayed as a percentage. In the cost management program 14, a certain threshold is set for this ratio, and the calculated ratio is compared with the threshold. And it displays on a screen whether a ratio exceeds this threshold value. As the threshold value, a value serving as a reference that is considered to allow arbitrary sale disposal is selected, and for example, about 10% is used. In many cases, when the cost deduction amount is 10% or more of the planned sale price, the cost becomes too high to obtain the creditor's consent and it becomes difficult to dispose of the sale. In this example, the calculated ratio is 8.74%, which is lower than the threshold value of 10%. Therefore, a circle is displayed to indicate that the cost remains within the reference range. If the ratio exceeds the threshold, a warning is displayed to alert the user.

FIG. 8 is a conceptual diagram showing an example of screen display in the simulation program 15. Here, an auction simulation function or an arbitrary sale simulation function is performed. In the case of the auction simulation, the computer calculates the auction dividend amount based on the bond data, the security right data, the expected bid data, and the auction cost data. The screen displays a list of collateral properties included in the project. And the security right corresponding to each property is acquired according to order. For example, a display prompting the user to select from already registered bond data is performed, and the input device is operated to select and register the selected bond data and display it on the screen. Then, the computer calculates a dividend amount at the time of auction based on the bond data, the security right data, the expected bid data, and the auction cost data. For a certain property, the awardable amount is obtained by subtracting the auction cost data from the expected bid amount. The amount available for dividends will be allocated from creditors with higher security rights. For example, in property 1, the root mortgage (A) corresponds to rank number 1. This root mortgage (A) has an extreme amount of 120,000,000 yen, but is joint collateral between Property 1 and Property 2. Therefore, the amount for property 1 is determined from the ratio of the payable amount for property 1 and property 2 (for example, 80,000,000 yen). Since the amount available for dividends exceeds that amount, the full amount will be distributed to rank number 1. The remaining amount is allocated to creditors with rank number 2 or lower. As long as the remaining amount exceeds the amount of the security interest, the full amount will be distributed, and if it falls below that amount, the remaining amount will be distributed (for example, rank number 3), and the dividend amount below that will be 0 yen (for example, rank number) 4).

When the same processing is performed for all collateral properties, the auction simulation is completed. FIG. 9 is a conceptual diagram showing an example of an auction simulation screen display in the simulation program 15. The amount of dividends is accumulated for each creditor, and the total amount is displayed below.

FIG. 10 is a conceptual diagram showing an example of a screen display of an arbitrary sale simulation in the simulation program 15. Here, a voluntary sale simulation function is executed in which the computer calculates the distribution amount at the time of voluntary sale based on the bond data, the security right data, the planned sale amount and the cost deduction data. A screen similar to the auction simulation is displayed. The collateral properties included in the project are displayed in a list. And the security right corresponding to each property is acquired according to order. This process may be the same as in the auction simulation, but if registration has already been made in the auction simulation, a bond may be allocated with the same relationship. Then, the computer calculates the distribution amount at the time of arbitrary sale based on the bond data, the security right data, the planned sale amount, and the cost deduction data. For a property, the amount that can be allocated is calculated by subtracting the cost deduction from the planned sale price. The amount that can be allocated is allocated from creditors with higher security rights. The distribution process is the same as in the auction simulation. In this way, a simulation of allocation that is faithful to the order of security rights is performed. The total amount is added to each creditor, and the total amount is displayed on the lower side (sales distribution amount). Further, for comparison, the dividend amount by auction simulation is also written (auction dividend amount) and the difference is also displayed. Generally, the sale by voluntary sale is higher than the auction bid, and it is often possible to allocate a larger amount to more creditors. By showing this in the amount of difference, it will be a material for judging whether or not to sell voluntarily, and it is also effective as a material for persuading creditors.

The collateral property arbitrary sale management program of this invention further causes the display device to display an instruction for changing the arbitrary sale distribution amount on the computer, obtains the changed arbitrary sale distribution amount via the input device, and optionally It has an optional sale modification simulation function that allows the computer to calculate the changed distribution amount at the time of sale based on the distribution amount at the time of sale.

In the display screen shown in FIG. 10, the amount of distribution can be input by an input device such as a keyboard. For example, when the allocation amount of the creditor of the ranking number 4 of the property 2 is calculated as 0 yen, the user moves the cursor to the position with the input device and changes another numerical value (for example, 100,000) with the keyboard. When entered, the computer acquires and registers the value as the changed voluntary sale distribution amount. At this time, the amount allocated to other creditors must also be changed in accordance with the increase or decrease. This change may also be made manually by the user, but may be automatically corrected by providing an automatic correction function. For example, if the allocation amount of a creditor is increased, the amount is subtracted from the allocation amount of the last (subordinate) creditor (in the example, the creditor of rank number 3 of property 2) that can be allocated to the allocation. Can be adjusted. In this way, when the change is confirmed, the distribution amount is calculated based on the change and displayed on the screen. The simulation result created in this way can also be registered as one distribution plan.

If there are multiple proposals for allocation, there is a high possibility that creditors' understanding will be gained. However, if it is a manual operation, even if it is a partial change, almost all the calculations have to be redone, and the work load is large. In the present invention, it is also possible to easily change the distribution amount of other creditors or create a plurality of proposals with different change amounts by this arbitrary sale correction simulation function. It is also easy to revise the allocation plan in detail according to the negotiation situation with creditors. Since voluntary sales cannot be realized without the consent of all creditors, creditors who do not have a distribution such as subordinate creditors will also need to pay a security release fee. For this reason, the arbitrary sale correction simulation function is an important function for successful arbitrary sale.

FIG. 11 is a conceptual diagram showing an example of screen display in the work management program. The work management program 16 executes an arbitrary sale schedule management function for causing the computer to acquire progress status data regarding arbitrary sales, comparing the progress status data with auction schedule data, and displaying the comparison result. The computer allows the user to input the schedule and work related to the auction procedure and voluntary sale procedure, and the computer acquires and registers it. The registered schedule and work are displayed on the screen according to the order of time. Since the schedule and work related to the auction procedure and the voluntary sale procedure are displayed in parallel, the user can easily grasp the progress and what to do in the future.

The schedule and work data can be entered by the user one by one, and an auction template function and an optional sale template function are provided. A typical series of schedules and operations in the auction procedure and the voluntary sale procedure are registered in the storage device in advance, and the user can select a series of schedules and operations at once by using this template function.

Dates can be further registered for each schedule and work, and the progress status data and auction schedule data are configured by this combination. Of particular importance in the auction schedule is the date of bid opening, and it will be difficult to carry out voluntary sales without consent to voluntary sale of each creditor and a petition for withdrawal of auction by two days before the bid opening date. Therefore, when the auction bid opening date approaches within a predetermined number of days, a warning is displayed.

1. Optional sale management system for collateral. Computer 4. 4. Storage device Input device 6. Display device 10. 10. Collateral property voluntary sale management program Item management program 12. Basic information management program 13. Debt collateral management program14. Cost management program15. Simulation program 16. Work management program

Claims (3)

A program executed by a computer and causing the computer to function as a collateral property arbitrary sale management system,
A claim data registration function that allows a computer to acquire bond data and store it in a computer storage device;
A security right data registration function for causing a computer to acquire security right data and storing it in a storage device of the computer;
A collateral property data registration function that causes a computer to acquire estimated bid data and planned sale amount data of a collateral property and store it in a computer storage device,
Cost deduction amount data registration function for causing a computer to acquire expense deduction amount data and storing it in a computer storage device, and
An auction simulation function for causing a computer to acquire auction cost data and causing the computer to calculate a dividend amount at the time of auction based on the bond data, the security right data, the expected bid data, and the auction cost data;
Arbitrary sale simulation function that allows the computer to calculate the distribution amount at the time of voluntary sale based on the bond data, collateral right data, planned sale amount and expense deduction data,
An instruction to change the distribution amount at the time of arbitrary sale is displayed on the display device on the computer, the distribution amount at the time of arbitrary sale changed through the input device is acquired, and the computer after the change is changed to the computer based on the distribution amount at the time of arbitrary sale A collateral property voluntary sale management program with a voluntary sale modification simulation function that calculates the distribution amount at the time of sale. A cost deduction evaluation function that allows the computer to calculate the ratio of the sum of the cost deduction data and the total of the planned sale amount data, and to compare the ratio with a predetermined threshold value, and to display when it exceeds the threshold value, and ,
The auction schedule data registration function that allows the computer to acquire schedule data related to auctions, and the computer to acquire progress data related to arbitrary sales, and the comparison result between the progress status data and the auction schedule data. The collateral property arbitrary sale management program of Claim 1 which has the arbitrary sale schedule management function to display. A computing device, a storage device, an input device, a computer provided with a display device, and a collateral property arbitrary sale management program installed in the storage device and causing the computer to function as a collateral property arbitrary sale management system;
The collateral property voluntary sale management program allows a computer to acquire bond data and store it in a computer storage device.
A security right data registration function for causing a computer to acquire security right data and storing it in a storage device of the computer;
A collateral property data registration function that causes a computer to acquire estimated bid data and planned sale amount data of a collateral property and store it in a computer storage device,
Cost deduction amount data registration function for causing a computer to acquire expense deduction amount data and storing it in a computer storage device, and
An auction simulation function for causing a computer to acquire auction cost data and causing the computer to calculate a dividend amount at the time of auction based on the bond data, the security right data, the expected bid data, and the auction cost data;
Arbitrary sale simulation function that allows the computer to calculate the distribution amount at the time of voluntary sale based on the bond data, collateral right data, planned sale amount and expense deduction data,
An instruction to change the distribution amount at the time of arbitrary sale is displayed on the display device on the computer, the distribution amount at the time of arbitrary sale changed through the input device is acquired, and the computer after the change is changed to the computer based on the distribution amount at the time of arbitrary sale Arbitrary sale modification simulation function to calculate distribution amount at the time of sale,
A cost deduction evaluation function that allows the computer to calculate the ratio of the sum of the cost deduction data and the total of the planned sale amount data, and to compare the ratio with a predetermined threshold value, and to display when it exceeds the threshold value, and ,
The auction schedule data registration function that allows the computer to acquire schedule data related to auctions, and the computer to acquire progress data related to arbitrary sales, and the comparison result between the progress status data and the auction schedule data. An optional sale management system for collateral with an optional sale schedule management function for displaying

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