JP2015064788A - Overdraft frame setting system, method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To set a proper overdraft frame according to a transaction state of a customer automatically, and achieve enhancement of risk management.SOLUTION: The overdraft frame setting system determines confidence of transaction environment of a customer account on the basis of a transaction state management unit for managing payment, disbursement and balance of the customer account, and rank values of the customer account for each currency, each nation, and each region. Then, based on an overdraft extreme volatility setting table for setting overdraft extreme volatility according to a transaction amount of the customer account and the determined confidence of transaction environment, the overdraft extreme to the customer account is calculated. The calculated overdraft extreme updates to the customer account as an overdraft frame which is applied next time (next month etc.). The overdraft extreme volatility has vertical width, and does not interlock extremely even when the confidence of transaction environment is changed due to an economical state.

Description

  The present invention relates to an overdraft frame setting system, an overdraft frame setting method, and an overdraft frame setting program in an automatic overdraft service provided by a financial institution.

  Traditionally, financial institutions provide an automatic overdraft service that automatically lends money within a certain range when the balance of a customer's trading account is insufficient at the time of withdrawal, and automatically repays when there is a deposit in the trading account. providing. In the automatic overdraft service, overdraft limits, ie overdraft limits (overdraft limits) are set according to customer credit, but due to changes in the environment (economic conditions, exchange rates, etc.) There is always a need to review. For this reason, a method of setting an overdraft extreme amount that can be flexibly set automatically or in response to a request from a customer, particularly when a plurality of currencies are involved, has been proposed.

  For example, in Patent Document 1, when the type of overdraft currency is specified by a customer's instruction, the balance of collateral products in various currencies is read, and each currency multiplier corresponding to the type of the underlying currency is read and each collateral is read. Temporary balances are calculated by multiplying the balance of each product, each corresponding item item (ratio to the market value of time deposits, investment trusts, etc.) is read, multiplied by the temporary balance of each collateral product, and further specified by the user The extreme amount calculation method of calculating the overdraft extreme amount by reading the exchange rate against the temporary balance of the collateral product in the key currency different from the type of the overdraft currency and multiplying them respectively and then obtaining the total of each of these temporary balances Is described.

  Further, in Patent Document 2, when the account specifying information and the setting change consultation information of the maximum overdraft limit of the general account overdraft are transmitted from the ATM terminal side that is operated by the customer, the record information on the general account of the customer is recorded. Collect and calculate the range of changeable amount of the maximum overdraft limit in the general account. After that, when the information on the specified amount related to the setting change is sent from the ATM terminal side, it is determined whether the setting can be changed, and finally When the confirmation information from the customer is transmitted to, the maximum overdraft limit setting method of the general account overdraft for executing the setting change process is described.

JP 2003-288484 A JP 2005-128828 A

  According to the method described in Patent Document 1, the risk that the lender bears can be reduced according to the balance of the collateral products held by the customer and the type of the underlying currency, and the borrower can borrow as much money as possible. It is aimed. In addition, the method described in Patent Document 2 is intended to allow the maximum overdraft limit for general account overdraft to be set as freely as possible in accordance with customer needs.

  Generally, if the overdraft limit is low, the financial institution that is the lender is more secure, but the borrower's customer side (the correspondent account may be another bank) also has liquid funds (cash The liquidity risk that the settlement is delayed increases. Liquidity risk means that if the account balance becomes negative and the overdraft limit is exceeded, withdrawals will be suspended and customer settlement will be delayed. Conversely, if the overdraft limit is high, the degree of freedom of settlement on the customer side increases, but for the financial institution side, the risk of loss at the time of credit loss increases. For this reason, the setting of the overdraft limit amount was reviewed manually by the person in charge of financial institutions from time to time by looking at various information such as past transaction results, market trends, and economic conditions of the trading country. However, such a method is likely to cause variations among the persons in charge and delays in setting, and has a problem in terms of managing the liquidity risk and loss risk.

  The extreme amount calculation method described in Patent Document 1 automates the setting of the excessive amount of overdraft when the type of overdraft currency is specified by a user's instruction. Even though the risk of foreign exchange fluctuations on the lender side can be suppressed by making detailed settings using the currency and line items for collateral products, the risk due to other customer transactions and the liquidity risk borne by the borrower are considered is not. The maximum overdraft limit setting method described in Patent Document 2 is also intended to increase the degree of freedom on the borrower side relative to the currency, and thus does not solve the above-described risk management problem.

  Therefore, in view of the above-described problems, an object of the present invention is to automatically set an appropriate overdraft frame according to a customer's transaction status and realize enhanced risk management.

  In order to solve the above problems, the overdraft frame setting system of the present invention provides the following solution.

  The invention according to claim 1 is an overdraft frame setting system for setting an overdraft frame in an automatic overdraft service of a financial institution, a transaction status management unit that records and manages a deposit / withdrawal amount and a balance of a customer account, and the customer account A credit level determination unit that determines the credit level of the customer account based on the rank of each currency, and a predetermined amount of credit overdraft for the customer account according to the transaction amount of the deposit and withdrawal of the customer account and the determined credit level An overdraft extreme calculation unit that determines a fluctuation rate and calculates the overdraft extreme amount to be applied next time, and an overdraft extreme update unit that updates the calculated overdraft extreme amount as a next-time overdraft frame for the customer account. It is characterized by that.

  According to the above configuration, the next overdraft amount is automatically set based on the transaction amount in the customer account and the creditworthiness of the transaction environment such as exchange rate fluctuations, eliminating the need for manual renewal work and improving operational efficiency. It becomes possible. In addition, since the overdraft extreme is set in view of the transaction status and market trend, it is possible to accurately determine each transaction. Furthermore, by providing a rate of extreme overdraft fluctuation with a certain vertical range, even if the trading environment changes, the overdraft facility will not be extremely linked, and liquidity risk in customer transactions can be suppressed.

  The invention according to claim 2 is characterized in that, in the system according to claim 1, the credit quality judgment unit further judges the credit quality of the customer account based on a rank for each country and / or region. To do.

  According to the above configuration, more appropriate risk management can be performed by adding the economic situation of the country or region to the creditworthiness of the transaction environment.

  The invention described in claim 3 is the system according to claim 1 or 2, wherein the peak red balance of the customer account determines the overdraft extreme fluctuation rate according to a ratio with respect to the overdraft extreme amount of the current month or a predetermined period. It is characterized by that.

  According to the above configuration, the next overdraft extreme amount is calculated taking into account the relationship between the peak red balance (the peak value of the negative balance for the current month or specified period) and the overdraft extreme amount, so risk management of the actual transaction status Can be reflected.

  The invention according to claim 4 is the system according to any one of claims 1 to 3, wherein the transaction amount of the customer account is calculated by adding a balance of another account designated by the customer. Features.

  According to the above configuration, the balance of another deposit account other than the customer's trading account is added to the transaction amount as the calculation target of the overdraft allowance, thereby expanding the extreme amount of overdraft and reducing the liquidity risk of the customer's cash flow can do.

  The invention according to claim 5 is a method for setting an overdraft limit in an automatic overdraft service in a computer system of a financial institution, and is a transaction status management step for recording and managing a deposit / withdrawal amount and a balance of a customer account And a credit quality determination step for determining the credit quality of the customer account based on the rank of the customer account according to currency, and depending on the transaction amount of the deposit and withdrawal of the customer account and the determined credit quality, Determining the overdraft extreme variation rate within a predetermined range and calculating the overdraft extreme amount to be applied next time, and overdraft extreme update for updating the calculated overdraft extreme amount as the next overdraft frame for the customer account And a step.

  The invention described in claim 5 is an overdraft frame setting system according to claim 1 that is regarded as an invention of an overdraft frame setting method performed by a computer, and has the same effect as that of the invention described in claim 1. Play.

  The invention described in claim 6 is an overdraft frame setting program for setting an overdraft frame in an automatic overdraft service of a financial institution, and a transaction status management step of recording and managing a deposit / withdrawal amount and balance of a customer account in a computer A credit determination step for determining the credit quality of the customer account based on the rank of the customer account according to currency, and a predetermined amount for the customer account according to the transaction amount of the deposit and withdrawal of the customer account and the determined credit rating. An overdraft extreme calculation step for determining the overdraft extreme fluctuation rate of the width and calculating the overdraft extreme amount to be applied next time, and an overdraft extreme update step for updating the calculated overdraft extreme amount as the next applied overdraft frame for the customer account Are executed.

  The sixth aspect of the invention is obtained by capturing the overdraft setting system according to the first aspect as an invention of a computer program, and has the same operational effects as the first aspect of the invention.

  According to the present invention, it is possible to automatically set an appropriate overdraft frame according to a customer's transaction status, and to realize enhanced risk management.

It is the figure which showed the concept of the overdraft frame setting system of this invention. It is the figure which showed the functional block of the overdraft frame setting system 100 which concerns on embodiment of this invention. It is the figure which showed the processing flow of the overdraft frame setting program which concerns on embodiment of this invention. It is the figure which showed the specific example of the account transaction condition which concerns on embodiment of this invention. It is the figure which showed the rank table according to currency, country, and area which concerns on embodiment of this invention. It is the figure which showed the overdraft extreme fluctuation rate setting table and overdraft extreme setting result which concern on embodiment of this invention.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In addition, the same number or code | symbol is attached | subjected to the same element throughout the description of embodiment.

  FIG. 1 is a diagram showing the concept of the overdraft setting system of the present invention. As shown in the figure, in the conventional automatic overdraft service, if the customer's account balance is negative, the person in charge of the financial institution manually maintained or updated the overdraft limit, which is the limit of lending. .

  In the overdraft setting system of the present invention, it is possible to always record and manage the transaction amount and balance of a customer's account for each deposit and withdrawal, and extract the peak red balance of the account (the peak value within the current month or a predetermined period of minus balance). In addition, the credit quality of the trading environment, which is an external factor, is determined from the currency of the customer's trading account, the country of the customer, and the region, and the overdraft extreme of the customer account is based on the above transaction amount, peak red balance, and credit rating Calculate the amount. At this time, the overdraft extreme fluctuation rate is used to calculate the overdraft extreme amount, and a predetermined vertical width is provided for this fluctuation rate.

  In this way, based on the transaction status (transaction amount, balance, peak red balance) and the credit quality of the transaction environment (currency, country, region), calculate the overdraft extreme amount to be applied next time (typically the next month) Automatically set / update as overdraft limits for customer accounts. The customer account here may be a correspondent account held by an overseas financial institution in a domestic bank, or a transaction account of a general company.

  By doing in this way, the renewal work by the overdraft extreme becomes unnecessary, and the work efficiency can be improved. In addition, since the overdraft extreme is set in view of the transaction status and market trends, more appropriate determination of the transaction is possible. Furthermore, the overdraft limit is not determined by an absolute amount, but the rate of extreme overdraft fluctuation with respect to the transaction amount, and by setting a range for the overdraft extreme fluctuation rate, even if the creditworthiness of the trading environment fluctuates due to economic conditions, it will not be extremely linked Like that. By doing so, liquidity risk in the customer's trading account can be suppressed.

  FIG. 2 is a functional block diagram of an overdraft setting system 100 (hereinafter referred to as the present system) according to an embodiment of the present invention in order to describe the present invention more specifically. This system may be composed of a single computer or a plurality of computers (servers). The system shown in the figure typically includes, as a function processing unit, a transaction status management unit 10, a currency / country / regional credit rating determination unit 11, an overdraft extreme calculation unit 12, an overdraft extreme update unit 13, a determination table update unit 14, An account information inquiry unit 15 is provided. Further, as a database (DB) for storing data necessary for processing, a customer account DB 20 storing all the deposit / withdrawal information of the customer's transaction account, and a determination table DB 21 storing ranks (credit levels) for each currency, country, and region. It has.

The transaction status management unit 10 sequentially reads the customer account deposit / withdrawal information from the customer account DB 20, and records and manages it in the storage unit as the account transaction status of the current month or a predetermined period.
Specifically, for example, they are recorded together in an account transaction status table as shown in FIG. If the balance of the account becomes negative at this time, the maximum amount of overdraft for the current month or a predetermined period is set as the upper limit, and the amount corresponding to the negative amount is automatically lent (indicated by a dotted line in the figure). However, the lending process itself may be performed by another functional unit (not shown). In addition, the transaction status management unit 10 may manage the deposit / withdrawal information in the currency of each account, or may convert the account into a yen currency instead of the currency for each account.

  The currency / country / regional credit quality determination unit 11 reads out a rank table 22 storing ranks (credit levels) by currency, country, and region from the determination table DB 21, and based on the rank values, the currency of the customer account・ Determine the creditworthiness of the transaction environment by country / region. Here, each rank value may be simply multiplied by each rank value, but a priority may be given or a predetermined weight may be defined.

  The overdraft extreme calculation unit 12 reads the overdraft extreme fluctuation rate setting table 23 that defines the overdraft extreme fluctuation rate having a certain vertical width (predetermined width) according to the transaction amount and the creditworthiness from the determination table DB 21, and the account transaction amount And the overdraft extreme for the account is calculated from the overdraft extreme fluctuation rate. Then, the overdraft extreme update unit 13 writes the calculated overdraft limit in the customer account DB 20 or a separate DB, and updates it as the overdraft extreme amount to be applied next time.

  The determination table update unit 14 receives a request from the administrator terminal 110, which is a system administrator terminal of a financial institution, reads the rank table 22 or the overdraft extreme fluctuation rate setting table 23 from the determination table DB 21, and appropriately stores these tables. Provide functions that can be updated. In the overdraft extreme change rate setting table 23, the overdraft extreme change rate is set in advance according to the credit amount calculated according to the transaction amount of the customer account and the transaction environment (currency, country, region). However, an appropriate vertical range should be provided for the overdraft extreme fluctuation rate to avoid extreme linkage of the overdraft extreme amount.

  Moreover, the account information inquiry part 15 similarly receives the request | requirement from the administrator terminal 110, and provides the function which can acquire the information of the said account from customer account DB20 suitably. The processing steps for each function and specific examples of each table stored in the DB will be described in more detail in the following figures.

  The functional block configuration of the above system is merely an example, and one functional block (database and functional processing unit) is further divided, or a plurality of functional blocks are combined into one functional block. Also good. Each function processing unit reads a computer program stored in a storage device such as a ROM (Read Only Memory) or a hard disk by a CPU (Central Processing Unit) built in one or more computer devices constituting the system, This is realized by a computer program executed by the CPU. That is, in each function processing unit, this computer program reads and writes necessary data such as a table from a database (DB; Data Base) stored in a storage device or a storage area on a memory, and may be related in some cases. This is realized by controlling hardware (for example, an input / output device, a display device, and a communication interface device). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself is not questioned.

  FIG. 3 is a diagram showing a processing flow of the overdraft frame setting program according to the embodiment of the present invention. FIG. 4 is a diagram showing a specific example of the account transaction status. FIG. 5 is a diagram showing a rank table for each currency / country / region. FIG. 6 is a diagram showing the overdraft extreme change rate setting table and the overdraft extreme setting result. Hereinafter, the processing executed by the present system will be described in more detail with reference to FIGS.

  The function of this system is realized by a computer program executed by a CPU in the system. FIG. 3 shows the most important processing flow of the overdraft extreme setting method. However, the processing order is not necessarily performed according to the flowchart shown here, and the order of the steps may be changed as long as the dependency between the input data and the output data is not impaired.

  As shown in FIG. 3, the transaction status management unit 10 acquires the deposit / withdrawal amount and the balance at that time for all deposits / withdrawals in the customer account in step S <b> 10. Put it together in the account status table. FIG. 4B is a graph showing this account status table. Actually, the deposit / withdrawal amount and the account balance are recorded for each deposit / withdrawal, but in FIG. 4, it is shown in a simplified form with a table and graph every five days.

  As shown in FIGS. 4 (a) and (b), the transaction amount for the current month is the sum of the deposit amount and the withdrawal amount (in this example, 740 = 320 + 420). The peak red residue (in this example, -70 recorded on the 25th). Note that this transaction amount may be added to the balance of another account designated by the customer. For example, if the customer has a time deposit account or an investment trust account in addition to the trading account, add the amount obtained by multiplying the balance by a predetermined factor to the trading amount of the trading account. Also good. By doing in this way, the calculation object of an overdraft frame spreads and the liquidity risk of a customer's cash flow can be reduced.

  Returning to FIG. 3, the transaction status management unit 10 extracts the transaction amount and the peak red balance from the account transaction status table in step S11. Although not specifically shown, it goes without saying that when the account balance becomes negative, the amount corresponding to the negative balance is automatically lent within the range of the overdraft extreme of the current month or a predetermined period. However, if the balance of the account is negative and the overdraft limit is exceeded, the withdrawal will normally be suspended and settlement will be delayed. To cancel the withdrawal hold, a new deposit is required for the account. However, with the approval of a person with higher authority, it is also possible to release the withdrawal hold beyond the overdraft limit.

  Next, in steps S12 to S14, the currency / country / regional credit rating determination unit 11 reads the rank table 22 for each currency, country, and region, and determines the respective credit ratings. Although the order of the processes of steps S12 to S14 is not questioned, some steps (for example, step S13 or step S14) may be skipped depending on the case. As shown in FIG. 5, the rank table 22 is stored in the determination table DB 21 by being divided into a currency rank table, a country rank table, and a region rank table. The region may be divided into, for example, Asia (Japan and others), Asia (China, Korea, etc.), Middle East, Europe, Northern Europe, North America, America, Central America, South America, etc. Also good.

  Returning to FIG. 3 again, in step S15, the overdraft extreme calculation unit 12 refers to the currency, country, and region credits obtained in steps S12 to S14, the overdraft extreme fluctuation rate setting table 23, and the peak red balance. The overdraft extreme fluctuation rate is determined, and the overdraft extreme amount to be applied to the customer account next time is calculated. The overdraft extreme fluctuation rate setting table 23 is a table in which the fluctuation rate of the overdraft extreme is defined in advance in accordance with the credit required from the currency, the country, and the region (credit of the transaction environment) and the transaction amount of the account.

  A specific example of the overdraft extreme fluctuation rate setting table 23 is shown in FIG. In the example of FIG. 6 (a), the credit quality of the transaction environment is simply multiplied by the rank of currency, country, and region, such as high (1-3), medium (4-8), and low (9-). Although the calculation is performed in three stages, it goes without saying that the calculation method is not limited to this. For example, as described above, the final reliability may be obtained by multiplying each rank value by a weighting factor. As the credit rating, in addition to the currency, the country, and the region, the reliability of the customer account such as the external rating of the customer, the establishment year, and the transaction year may be added. In addition, the evaluation of the currency, country, and region may include not only the current evaluation but also a credit tendency (up or down). Further, depending on whether the account is a correspondent account or a general company transaction account, the credit rating may be evaluated using different indexes.

  In Fig. 6 (a), the overdraft fluctuation rate can be set in the range of 20% to 0%, but it is not limited to the range of the range shown here. An account with a small number may have a negative change rate applied.

  Further, in step S15 of FIG. 3, the overdraft extreme fluctuation rate is not a value described in the overdraft extreme fluctuation rate setting table 23 according to the ratio of the remaining peak red to the overdraft extreme for the current month or a predetermined period, but a predetermined predetermined value. You may make it set to the value of. For example, if the peak red balance for the current month is significantly less than the maximum overdraft for the current month or period, the next overdraft extreme fluctuation rate is set to 0% regardless of the set value in the table, or the peak red balance and overdraft extreme It is also possible to determine the rate according to the ratio. This is to respond flexibly to the customer's funding needs. Of course, the relationship between such peak red balance, overdraft extreme, and overdraft extreme fluctuation rate may be included in the overdraft extreme fluctuation rate setting table 23 and defined in advance.

  The overdraft extreme calculation result calculated from the overdraft extreme fluctuation rate determined in this way and the transaction amount is, for example, as shown in FIG. In this example, accounts A, B, and C have the same month overdraft extreme of -100 million yen and the transaction amount is 12.0 billion yen. However, since the creditworthiness determined by currency, country, and region, and the relationship between the peak red balance and the current month's overdraft extreme, the applicable overdraft extreme fluctuation rate differs, and the overdraft extreme amount is -120 million yen,- It is 100 million yen and -100 million yen. In other words, account A has a peak red balance exceeding the overdraft limit, but has a high creditworthiness and a large transaction amount, so the upper limit of the overdraft limit fluctuation rate is 20%. This is because it is judged that the customer's demand for funds is high. In addition, account B has a large transaction amount and high credit quality, but the peak red balance is small and it does not exceed the overdraft extreme, so it is considered that there is little demand for funds. It is set to 0% regardless of the rate setting table 23. Account C has a large transaction amount and the peak red balance exceeds the overdraft limit, but the credit rating is low, so the overdraft extreme fluctuation rate is set to 0% as set in the overdraft extreme fluctuation rate setting table 23. It is fastened. In this way, according to the present system, the risk of the lender and the risk of the borrower can be balanced.

  Finally, in step S16 of FIG. 3, the overdraft extreme amount calculated from the overdraft extreme fluctuation rate and the transaction amount is used as the overdraft frame (overdraft extreme amount) to be applied next time by the overdraft extreme update unit 13 as the customer account DB 20. Alternatively, it is updated on another appropriate DB. It goes without saying that the overdraft amount updated here may also be notified to the customer side.

  The embodiment (example) shown in FIGS. 2 to 6 has been described with an automatic overdraft service for corporate customers in mind, but the same mechanism can be applied to individual customers.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above embodiment. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 10 Transaction status management part 11 Currency / country / regional credit quality judgment part 12 Overdraft extremes calculation part 13 Overdraft extremes update part 14 Judgment table update part 15 Account information reference part 20 Customer account DB
21 Judgment table DB
22 Rank table (by currency, country, region)
23 Overdraft extreme fluctuation rate setting table 100 Overdraft frame setting system 110 Administrator terminal

The invention according to claim 1 is an overdraft frame setting system for setting an overdraft frame in an automatic overdraft service of a financial institution, a transaction status management unit that records and manages a deposit / withdrawal amount and a balance of a customer account, and the customer account based on the currency by the rank of the the credit determining credit determination of customer accounts, the peak red residue of the transaction amount of the customer account deposits and withdrawals and the determined credibility and the customer port seat month or predetermined According to the ratio to the overdraft extreme amount of the period, the overdraft extreme fluctuation rate of a predetermined width for the customer account is determined, the overdraft extreme amount calculation unit for calculating the overdraft extreme amount to be applied next time, and the calculated overdraft extreme amount And an overdraft extreme update unit that updates as a next-time overdraft frame for the customer account.

According to the above configuration, the next overdraft amount is automatically set based on the transaction amount in the customer account and the creditworthiness of the transaction environment such as exchange rate fluctuations, eliminating the need for manual renewal work and improving operational efficiency. It becomes possible. In addition, since the overdraft extreme is set in view of the transaction status and market trend, it is possible to accurately determine each transaction. Furthermore, by providing a rate of extreme overdraft fluctuation with a certain vertical range, even if the trading environment changes, the overdraft facility will not be extremely linked, and liquidity risk in customer transactions can be suppressed. In addition, since the next overdraft extreme amount is calculated considering the relationship between the peak red balance (the peak value of the negative balance for the current month or specified period) and the overdraft extreme amount, the actual transaction status may be reflected in risk management. it can.

According to a third aspect of the present invention, in the system according to the first or second aspect, the transaction amount of the customer account is calculated by adding the balance of another account designated by the customer.

The invention according to claim 4 is a method for setting overdraft limit in an automatic overdraft service in a computer system of a financial institution, and is a transaction status management step for recording and managing a deposit / withdrawal amount and a balance of a customer account A credit quality determination step for determining the credit quality of the customer account based on a rank of the customer account according to currency, a transaction amount of the deposit and withdrawal of the customer account, the determined credit quality, and a peak red balance of the customer account Depending on the ratio to the overdraft extreme amount for the current month or the predetermined period, the overdraft extreme fluctuation rate of the predetermined width for the customer account is determined, and the overdraft extreme amount calculating step for calculating the overdraft extreme amount to be applied next time, and the calculated An overdraft extreme update step of updating the overdraft extreme amount as a next-time applicable overdraft frame for the customer account.

The invention described in claim 4 is an overdraft frame setting system according to claim 1 that is regarded as an invention of an overdraft frame setting method performed by a computer, and has the same effect as that of the invention described in claim 1. Play.

The invention described in claim 5 is an overdraft frame setting program for setting an overdraft frame in an automatic overdraft service of a financial institution, and a transaction status management step of recording and managing a deposit / withdrawal amount and a balance of a customer account in a computer, A credit determination step for determining the credit rating of the customer account based on a rank of the customer account according to currency, a transaction amount of the deposit and withdrawal of the customer account, the determined credit rating, and a peak red balance of the customer account An overdraft extreme calculation step of determining a fluctuation range of overdraft extreme of a predetermined width for the customer account according to a ratio to the overdraft extreme amount of the current month or a predetermined period, and calculating an overdraft extreme amount to be applied next time, and the calculated overdraft And an overdraft extreme update step of updating an extreme amount as a next-time applied overdraft frame for the customer account.

According to the fifth aspect of the present invention, the overdraft setting system according to the first aspect is regarded as a computer program invention, and the same effect as the first aspect of the invention can be achieved.

Claims (6)

An overdraft setting system for setting an overdraft limit in an automatic overdraft service of a financial institution,
A transaction status management unit that records and manages the amount and balance of customer accounts; and
A credit quality determination unit that determines the credit quality of the customer account based on the rank of the customer account by currency;
In accordance with the transaction amount of the deposit and withdrawal of the customer account and the determined creditworthiness, the overdraft extreme fluctuation rate of a predetermined width for the customer account is determined, and the overdraft extreme calculation unit for calculating the overdraft extreme amount to be applied next time;
An overdraft extreme update unit that updates the calculated overdraft extreme amount as a next-time applicable overdraft frame for the customer account;
A credit line setting system characterized by comprising:   2. The overdraft setting system according to claim 1, wherein the credit quality determination unit further determines the credit quality of the customer account based on a rank for each country and / or region.   3. The overdraft limit setting system according to claim 1, wherein the overdraft extreme fluctuation rate is determined according to a ratio of a peak red balance of the customer account to an overdraft extreme amount for a current month or a predetermined period.   The overdraft setting system according to any one of claims 1 to 3, wherein the transaction amount of the customer account is calculated by adding the balance of another account designated by the customer. In a computer system of a financial institution, an overdraft setting method for setting an overdraft limit in an automatic overdraft service,
A transaction status management step for recording and managing the amount and balance of the customer account; and
A credit quality determination step of determining the credit quality of the customer account based on a rank of the customer account according to currency;
According to the transaction amount of the deposit and withdrawal of the customer account and the determined creditworthiness, determining the overdraft extreme fluctuation rate of a predetermined width for the customer account, and calculating the overdraft extreme calculation step for calculating the overdraft extreme amount to be applied next time;
An overdraft extreme update step of updating the calculated overdraft extreme amount as a next-time applicable overdraft frame for the customer account;
A method for setting an overdraft facility, comprising: An overdraft allowance setting program for setting an overdraft allowance in an automatic overdraft service of a financial institution,
On the computer,
A transaction status management step for recording and managing the amount and balance of the customer account; and
A credit quality determination step of determining the credit quality of the customer account based on a rank of the customer account according to currency;
According to the transaction amount of the deposit and withdrawal of the customer account and the determined creditworthiness, determining the overdraft extreme fluctuation rate of a predetermined width for the customer account, and calculating the overdraft extreme calculation step for calculating the overdraft extreme amount to be applied next time;
An overdraft extreme update step of updating the calculated overdraft extreme amount as a next-time applicable overdraft frame for the customer account;
An overdraft setting program characterized in that

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