JP2017182787A - Credit frame management device, credit frame management method, and credit frame management program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit frame management device, a credit frame management method, and a credit frame management program in which a claim/credit frame is managed for each day, thereby preventing occurrence of a bad claim and grasping an arrival day of expiration date to accurately grasp the credit frame so as to be capable of increasing opportunity of sales.SOLUTION: A credit frame management device managing a claim/credit frame manages the claim/credit frame for each day in consideration with outstanding amount on an expiration date of a bill with respect to the claim frame at the time of the reference date.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a credit frame management device, a credit frame management method, and a credit frame management program.

  According to Patent Literature 1, when ordering information, which is information related to product purchase, is received from the business partner, the calculated payment probability, collection period and average recovery cost, the selling price of the product related to the received order information, Based on the sales cost rate, a predetermined value related to the received order information is calculated, it is determined whether the calculated predetermined value is within the range of the available credit line, and the calculated predetermined value is There is disclosed a credit management system that determines that the order amount of a product related to the received order information is within the range of the customer's credit frame if it is within the range of the available credit frame.

JP 2006-331231 A

  However, Patent Document 1 is managing the credit line on a monthly basis, but because it was not possible to manage the credit line on a daily basis, There was a problem that the loss of sales opportunities could not be prevented by grasping the arrival date of unsettled due dates.

  The present invention has been made in view of the above problems, and by managing the credit lines of credits on a daily basis, the occurrence of non-performing loans can be prevented and the arrival date of unsettled due dates can be grasped. It is an object of the present invention to provide a credit limit management device, a credit limit management method, and a credit limit management program capable of increasing sales opportunities by accurately grasping a credit limit.

  In order to solve the above-described problems and achieve the object, a credit frame management device according to the present invention is a credit frame management device including a storage unit and a control unit, and the storage unit is a credit for each corporation. Corporate storage means for storing a credit limit, which is a frame, and the control unit determines the amount for the corporation on the base date from the sum of the credit limit on the corporation and the debt balance for the corporation on the base date. The sum of the balance of receivables and the sum of the bill amount of unsettled bills drawn by the corporation between the first day of the month including the reference date and the reference date, the due date after the reference date A credit limit balance calculating means for calculating a credit limit balance which is an amount obtained by subtracting the credit limit, and a credit limit balance display means for displaying the credit limit balance.

  The credit line management device according to the present invention is characterized in that the credit line balance display means further displays a list of the due dates of the unsettled bills.

  Further, in the credit limit management device according to the present invention, the storage unit stores a monthly receivable balance storage means for storing a monthly receivable balance of a month preceding the month including the reference date, and the reference from the first day of the month including the reference date. Sales storage means for storing sales data up to the date, and payment storage means for storing payment data from the first day of the month including the reference date to the reference date, and the control unit comprises the monthly bond balance And a credit balance calculating means for calculating the credit balance, which is an amount obtained by subtracting the deposit data from the sum of the sales data and the sales data.

  Further, in the credit line management device according to the present invention, the storage unit stores a monthly debt balance storage means for storing a monthly debt balance of a month preceding the month including the reference date, and the reference date from the first day of the month including the reference date. Purchase storage means for storing purchase data up to the date, and payment storage means for storing payment data from the first day of the month including the reference date to the reference date, and further comprising: The apparatus further comprises debt balance calculating means for calculating the debt balance, which is an amount obtained by subtracting the payment data from the total amount with the incoming data.

  Further, in the credit line management device according to the present invention, the control unit, based on the range specification input by the user, the month including the reference date that becomes the payment due date after the reference date including the reference date Bill data including the bill amount of the unsettled bills drawn by the corporation between the first day of the date and the record date, or the due date after the record date not including the record date, It is provided with bill acquisition means for acquiring bill data including the bill amount of the unsettled bill drawn by the corporation between the first day of the month including the reference date and the reference date. .

  Further, the credit frame management method according to the present invention is a credit frame management method for causing a credit frame management apparatus including a storage unit and a control unit to execute, wherein the storage unit is a credit frame for each corporation. A corporate storage means for storing a credit limit, which is executed by the control unit, based on a sum of the credit limit for the legal entity and a debt balance for the legal entity on the base date, and a claim for the corporation on the base date A credit line balance calculating step for calculating a credit line balance that is an amount obtained by subtracting a sum of the balance and the total bill amount of unsettled bills issued by the corporation that becomes the payment date after the base date; A credit line balance display step for displaying the credit line balance.

  Further, the credit frame management program according to the present invention is a credit frame management program for causing a credit frame management apparatus including a storage unit and a control unit to execute, wherein the storage unit is a credit frame for each corporation. Corporate storage means for storing a credit limit, and in the control unit, from the sum of the credit limit for the corporation and the debt balance for the corporation on a base date, the balance of the credit for the corporation on the base date A credit line balance calculating step of calculating a credit line balance that is an amount obtained by subtracting a sum of bills of unsettled bills drawn by the corporation that becomes due on the payment date after the reference date; And a credit line balance display step for displaying the frame balance.

  According to the present invention, by managing the credit lines by day, it is possible to prevent the occurrence of non-performing loans in advance, and to grasp the arrival date of unsettled due date and accurately grasp the credit line to increase sales. There is an effect that the opportunity can be increased.

FIG. 1 is a block diagram illustrating an example of a configuration of a credit frame management apparatus. FIG. 2 is a flowchart illustrating an example of processing of the credit frame management apparatus according to the present embodiment. FIG. 3 is a diagram illustrating an example of data acquisition in the credit frame management apparatus. FIG. 4 is a diagram illustrating an example of a corporate master screen. FIG. 5 is a diagram illustrating an example of a range designation screen. FIG. 6 is a diagram illustrating an example of a list of receivable balance outstanding dates. FIG. 7 is an explanatory diagram of the principle of the data acquisition composition of the credit frame management device. FIG. 8 is an explanatory diagram of the principle of the data acquisition composition of the credit frame management device. FIG. 9 is a diagram illustrating a specific example of the data acquisition composition of the credit frame management apparatus.

  Embodiments of the present invention will be described in detail with reference to the drawings. In addition, this invention is not limited by this embodiment.

[1. Overview]
Conventionally, since the balance of unsettled payments can only be grasped on a monthly basis and only the credit balance can be checked on a monthly basis, there have been problems such as delay in responding to the occurrence of bad loans and loss of sales opportunities. For this reason, it is necessary to check the credit balance on a daily basis in consideration of the balance of the unsettled due date. Conventionally, there is no method for managing the credit balance in consideration of the balance on the unsettled due date.

  Therefore, in the present embodiment, the credit limit at the reference date is dealt with in consideration of the balance of unsettled due dates, and further, the unsettled due date list is also considered. As a result, in the present embodiment, since it becomes possible to grasp the credit limit that takes into account the unsettled due date of the previous date, it is possible to reduce the risk of bad debts and use it as information on sales activities. Realized. For example, in this embodiment, by applying it to industries such as the steel industry or engineering business where bills trade practices remain, it becomes possible to manage the credit line on a daily basis, and to prevent the occurrence of bad loans. In addition to being able to prevent this, it is possible to grasp the arrival date of the unsettled due date and reduce the loss of sales opportunities.

[2. Constitution]
An example of the configuration of the credit frame management apparatus 100 according to the present embodiment will be described with reference to FIG. FIG. 1 is a block diagram illustrating an example of the configuration of the credit frame management apparatus 100.

  The credit line management device 100 is a commercially available desktop personal computer. The credit line management device 100 is not limited to a stationary information processing device such as a desktop personal computer, but is a portable personal computer such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), smartphone, or tablet personal computer. It may be a type information processing apparatus.

  The credit frame management apparatus 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each unit included in the credit frame management apparatus 100 is connected to be communicable via an arbitrary communication path.

  The communication interface unit 104 communicatively connects the credit frame management device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of connecting the credit line management device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

  The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for giving various instructions to a CPU (Central Processing Unit) in cooperation with an OS (Operating System). As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) and a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, and an optical disk can be used. The storage unit 106 includes a corporate master 106a, a monthly credit balance file 106b, a sales file 106c, a deposit file 106d, a monthly debt balance file 106e, a purchase file 106f, and a payment file 106g.

  The corporation (corporate company) master 106a stores (registers) a credit limit that is a credit frame for each corporation. Here, the corporate master 106a may register the credit limit in units of corporations (codes).

  The monthly credit balance file 106b stores the monthly credit balance. Here, the monthly credit balance file 106b may store the monthly credit balance of the month preceding the month including the reference date. The monthly credit balance file 106b may store the monthly credit balance in units of billing destinations (codes) and / or corporations (codes).

  The sales file 106c stores sales data. Here, the sales file 106c may store sales data from the first day of the month including the reference date to the reference date. The sales file 106c may store sales data in units of billing destinations (codes).

  The deposit file 106d stores deposit data. Here, the deposit file 106d may store deposit data from the first day of the month including the reference date to the reference date. The deposit file 106d may store deposit data in units of billing destinations (codes). The deposit file 106d may store bill data. Here, the deposit file 106d may store bill data of unsettled bills including bill amounts.

  The monthly debt balance file 106e stores a monthly debt balance. Here, the monthly debt balance file 106e may store the monthly debt balance of the previous month of the month including the reference date. The monthly debt balance file 106e may store monthly debt balances in units of payees (codes) and / or corporations (codes).

  The purchase file 106f stores purchase data. Here, the purchase file 106f may store purchase data from the first day of the month including the reference date to the reference date. The purchase file 106f may store purchase data in units of corporations (codes).

  The payment file 106g stores payment data. Here, the payment file 106g may store payment data from the first day of the month including the reference date to the reference date. The payment file 106g may store payment data in units of corporations (codes).

  An input device 112 and an output device 114 are connected to the input / output interface unit 108. As the output device 114, a speaker (including a home television), a speaker, and a printer can be used. As the input device 112, in addition to a keyboard, a mouse, and a microphone, a monitor that realizes a pointing device function in cooperation with the mouse can be used. In the following description, the output device 114 may be described as the monitor 114, and the input device 112 may be described as the keyboard 112 or the mouse 112.

  The control unit 102 is a CPU or the like that comprehensively controls the credit frame management apparatus 100. The control unit 102 has an internal memory for storing a control program such as an OS, a program that defines various processing procedures, and necessary data, and performs various information processing based on these stored programs. Run. The control unit 102 is functionally conceptually provided with a credit balance calculation unit 102a, a bill acquisition unit 102b, a debt balance calculation unit 102c, a credit limit balance calculation unit 102d, and a credit limit display unit 102e.

  The receivable balance calculating unit 102a calculates (acquires) a receivable balance that is an amount obtained by subtracting the deposit data from the sum of the monthly receivable balance and the sales data. Here, the claim balance calculation unit 102a may calculate the claim balance in units of billing destinations (codes).

  The bill acquisition unit 102b acquires bill data including the bill amount of the bill. Here, the bill acquisition unit 102b is based on the range (position) designation input by the user from the first day of the month including the reference date to the reference date, which becomes the payment due date after the reference date including the reference date. Bill data including the amount of bills of unsettled bills issued by the corporation during the period, or the record date from the first day of the month including the record date, which becomes the due date after the record date not including the record date The bill data including the bill amount of the unsettled bill drawn by the corporation may be acquired. The bill acquisition unit 102b may acquire bill data from the deposit file 106d. The bill acquisition unit 102b may acquire bill data in units of billing destinations (codes).

  The debt balance calculation unit 102c calculates (acquires) a debt balance that is an amount obtained by subtracting the payment data from the sum of the monthly debt balance and the purchase data. Here, the debt balance calculation unit 102c may calculate the debt balance in units of corporations (codes) and / or payees (codes).

  The receivable limit calculation unit 102d calculates the receivable balance for the corporation on the base date and the due date after the base date from the sum of the credit limit for the corporation and the debt balance for the corporation on the base date. Calculate (acquire) receivables balance that is the sum of the amount of bills of unsettled bills drawn by the corporation from the first day of the month including the base date to the base date. . Here, the receivable limit balance calculation unit 102d makes a payment by the corporation between the first day of the month including the reference date and the reference date, which becomes the payment date after the reference date and the payment balance after the reference date. The sum total of the bill amount of the outstanding bills that have been settled may be calculated (acquired) as a receivable position. Here, the credit line balance calculating unit 102d may calculate the credit position in units of billing destinations (codes).

  The credit limit balance display unit 102e displays the credit limit balance (remaining credit limit). Here, the credit line balance display unit 102e may further display a list of payment dates (bills dates) of unsettled bills. In addition, the receivable limit display section 102e includes a corporation (corporate destination) code, a billing destination code, a corporate name, a billing destination name, a receivable balance, an unsettled bill amount (unsettled due date balance), a receivable position, and a debt balance. And / or a credit limit amount may be displayed. Here, the receivable frame balance display unit 102e may output the printed bill due date list by printing (printing).

[3. Concrete example]
A specific example of this embodiment will be described with reference to FIGS.

[Credit limit management processing]
Here, with reference to FIG. 2, an example of the credit frame management process in the present embodiment will be described. FIG. 2 is a flowchart illustrating an example of processing of the credit frame management apparatus 100 according to the present embodiment.

  As shown in FIG. 2, the claim balance calculation unit 102a calculates the monthly claim balance for the previous month including the reference date stored in the monthly claim balance file 106b and the first day of the month including the reference date stored in the sales file 106c. The balance of receivables, which is the amount obtained by subtracting the payment data from the first day of the month including the reference date stored in the payment file 106d to the reference date from the sum of the sales data from the reference date to the reference date, in the billing code unit of the corporation Calculate (step SA-1).

  Based on the position designation input by the user via the input device 112, the bill acquisition unit 102 b receives the reference date from the first day of the month including the reference date, which becomes a payment due date after the reference date including the reference date. Bill data including the amount of bills of unsettled bills issued by the corporation between the two days, or from the first day of the month including the base date, which becomes the payment date after the base date not including the base date Bill data including the bill amount of unsettled bills drawn by the corporation up to the base date is acquired in units of billing codes of the corporation (step SA-2).

  Then, the receivable limit calculation unit 102d calculates the sum of the receivable balance calculated by the receivable balance calculation unit 102a and the sum of the bill amount acquired by the bill acquisition unit 102b as a receivable position for each billing code of the corporation. (Step SA-3).

  Then, the debt balance calculation unit 102c reads the monthly debt balance of the previous month including the reference date stored in the monthly debt balance file 106e and the first day to the reference date of the month including the reference date stored in the purchase file 106f. The debt balance, which is an amount obtained by subtracting the payment data from the first day of the month including the reference date stored in the payment file 106g to the reference date from the total amount with the purchase data of the purchase data, is calculated in units of corporation codes (step SA- 4).

  Then, the receivable limit calculation unit 102d calculates from the sum of the receivable limit amount of the corporation registered in the corporate master 106a for each corporate code and the debt balance for the corporation on the reference date calculated by the debt balance calculation unit 102c. Then, the balance of receivables, which is the amount obtained by subtracting the receivable position, is calculated for each corporate code (step SA-5).

  Then, the credit limit balance display unit 102e displays a credit limit balance, a list of due dates for unsettled notes, a corporate code, a billing destination code, a corporate name, a billing name, a credit balance, an unsettled bill amount, The position, the debt balance, and / or the bond limit is displayed on the output device 114 (step SA-6), and the process is terminated.

  Here, with reference to FIGS. 3 to 6, an example of the credit frame management processing content according to the present embodiment will be described. FIG. 3 is a diagram illustrating an example of data acquisition in the credit frame management apparatus 100. FIG. 4 is a diagram illustrating an example of a corporate master screen. FIG. 5 is a diagram illustrating an example of a range designation screen. FIG. 6 is a diagram illustrating an example of a list of receivable balance outstanding dates.

  As shown in FIG. 3, in the present embodiment, “customer” in the “client hierarchy” means “customer” on the system, and this “customer” is viewed from credit management. It becomes “Billing party” and “Payment party” from the viewpoint of debt management. Further, “customer” is “customer” when viewed from the sales record, and “supplier” when viewed from the purchase record. In the present embodiment, there is a group “corporation” as the person who controls them, and the credit line management (credit management) is performed at the group “corporation”. In the present embodiment, the credit limit is calculated by associating the credit balance of the billing unit and the balance of the bill due date on a corporate basis.

  Here, for the calculation (setting) of the credit limit for each corporation, for example, the corporation master screen shown in FIG. 4, collection site information (for example, collection at the end of the end of the closing period, etc.) and / or consumption tax calculation zone (accumulation for each item) , Slip unit calculation, closing time batch calculation) and a billing destination master. On the corporate master screen shown in FIG. 4, the credit limit item on the screen is used as the corporate credit limit item in the corporate master 106a.

  Further, in the data acquisition composition shown in FIG. 3, when a reference date is designated on the range designation screen shown in FIG. 5, a line is once drawn (range is set) as shown in FIG. . Therefore, in the present embodiment, by using the monthly balance (monthly receivable balance) aggregated by the closing process and various transaction data (sales data, receipt data, purchase data, and payment data), which monthly balance is selected. Is used based on the reference date (reference date) designated by the user.

  Here, as shown in FIG. 6, in the receivable balance unsettled due date list output (printed) in the present embodiment, the display of “XX group” in the upper left is in the supplier hierarchy in FIG. It corresponds to “corporate name”, and the display hanging below it corresponds to “name of billing party”. For example, some billing destinations such as “△△△ Industry”, “XXX Business”, “△△△ Steel Industry”, “XXX Steel Sheet”, and “XXX Product” are “XX Group”. There is a loan for each. FIG. 6 (A) displays the balance of receivables of “△△△ industrial” receivable that has not yet reached the bill due date (the receivable balance as of the reference date on the range designation screen). In FIG. 6B, an unsettled balance total (total amount of unsettled due date according to the position classification on the range designation screen), which is an actual balance of accounts receivable, is displayed. In FIG. 6C, the sum of FIG. 6A and FIG. 6B is displayed as “bond position”. The bond position (position) may be viewed in a form including a bill date and a reference date, or may be viewed without including a bill date, and the user can specify a condition for either. For example, if the reference date is 2012/08/31 and the position is “reference date ≦ note date”, FIG. 6B = 748,950,356 is displayed (2012/08/31 is If the reference date is 2012/08/31 and the position is “reference date <bill date”, FIG. 6B = 690,548,091 is displayed. (2012/08/31 does not display bills for due date) Further, FIG. 6D shows the total claim position by billing destination associated with the same corporation code. Further, FIG. 6E shows the debt balance as of the reference date on the range designation screen associated with the same corporation code. In addition, FIG. 6F shows the credit limit amount registered in the corporate master 106a. FIG. 6 (G) shows the credit limits calculated in FIG. 6 (F) −FIG. 6 (D) + FIG. 6 (E), and any of the above positions is designated. 6 (D) changes, and as a result, the value of the credit limit in FIG. 6 (G) changes. In the present embodiment, the position designation is made possible because companies have different ways of thinking about the bill date, and the way of viewing changes depending on the time zone.

  In this way, in this embodiment, it becomes possible to manage receivables for each billing party hanging from the corporation, and when there is a bill collection in the collection of receivables, it is possible to finely manage the credit line based on the date of the bill it can. For example, the credit frame can be checked every day using the reference date designated on the range designation screen shown in FIG. 5 as a key, and the credit frame for the future as well as the present can be confirmed.

  In addition, an example of obtaining a bond position in the present embodiment will be described with reference to FIG. FIG. 7 is an explanatory diagram of the principle of the data acquisition composition of the credit frame management device.

  As shown in Fig. 7, the acquisition of receivables in units of billing code is based on the monthly fixed receivables balance (monthly receivables balance) for the fixed month (the month before the month including the base date) Add the sales slip amount (sales data) from the first day of the month including the base date to the base date, and then subtract the deposit slip amount (payment data) from the first day of the month including the base date to the base date. May be. In addition, as shown in FIG. 7, bill data acquisition for each billing destination code includes a payment date (the date of withdrawal) between the first day of the month including the reference date and the reference date, and the reference date The bill due date and the bill amount of an unsettled due note that later becomes the bill due date (payment due date) may be acquired from the deposit file 106d. Then, as the acquisition of the receivable position in units of the billing destination code, the receivable position may be acquired by adding the sum of the bill amount of the unsettled due note to the receivable balance.

  In addition, with reference to FIG. 8, an example of the acquisition of the credit limit balance in the present embodiment will be described. FIG. 8 is an explanatory diagram of the principle of the data acquisition composition of the credit frame management device.

  As shown in Fig. 8, the acquisition of the debt balance in the corporate code unit is based on the monthly fixed debt balance (monthly debt balance) in the fixed month (the month before the month including the base date) and the base date. Add the purchase slip amount (purchase data) from the first day of the month including the base date to the base date, and subtract the payment slip amount (payment data) from the first day of the month including the base date to the base date as the debt balance You may get it. Moreover, as shown in FIG. 8, as the credit limit amount acquisition for each corporate code, the corporate credit limit registered in the corporate master (corporate master) 106a may be acquired. Then, as the credit limit balance acquisition in units of corporate codes, the balance of the credit limit (credit limit balance) may be acquired by subtracting the credit position from the credit limit and adding the debt balance.

  An example of the data acquisition composition in the present embodiment will be described with reference to FIG. FIG. 9 is a diagram showing a specific example of the data acquisition composition in the present embodiment.

  FIG. 9 shows a specific example of calculation of receivable balance, unsettled due date balance, receivable position, debt balance, receivable limit, and receivable limit based on the calculation method described with reference to FIGS. Is shown.

  In this way, in this embodiment, it is now possible to manage credit lines on a daily basis, so that the occurrence of non-performing loans can be prevented in advance, and the credit lines can be determined by grasping the arrival date of unsettled due dates. Accurately grasping sales opportunities has been realized.

[4. Other Embodiments]
In addition to the above-described embodiments, the present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims.

  For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed can be performed manually, or all of the processes described as being performed manually are all performed. Alternatively, a part can be automatically performed by a known method.

  In addition, the processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions for each processing, screen examples, and database configurations shown in the present specification and drawings, unless otherwise specified. Can be changed arbitrarily.

  Further, regarding the credit frame management apparatus 100, each illustrated component is functionally conceptual and does not necessarily need to be physically configured as illustrated.

  For example, all or some of the processing functions provided in the credit frame management apparatus 100, particularly the processing functions performed by the control unit 102, are realized by a CPU and a program interpreted and executed by the CPU. It may also be realized as hardware by wired logic. The program is recorded on a non-transitory computer-readable recording medium including a programmed instruction for causing the information processing apparatus to execute the processing described in this embodiment, and credit frame management is performed as necessary. It is mechanically read by the device 100. In other words, in a storage unit such as a ROM or a HDD (Hard Disk Drive), a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded. This computer program is executed by being loaded into the RAM, and constitutes a control unit in cooperation with the CPU.

  The computer program may be stored in an application program server connected to the credit line management apparatus 100 via an arbitrary network, and may be downloaded in whole or in part as necessary. It is.

  In addition, a program for executing the processing described in this embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the “recording medium” refers to a memory card, USB (Universal Serial Bus) memory, SD (Secure Digital) card, flexible disk, magneto-optical disk, ROM, EPROM (Erasable Programmable Read Only Memory), EEPROM (registration). Trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), DVD (Digital Digital, Trademark) Any “portable physical media It is intended to include.

  The “program” is a data processing method described in an arbitrary language or description method, and may be in any form such as source code or binary code. Note that the “program” is not necessarily limited to a single configuration, and functions are achieved in cooperation with a separate configuration such as a plurality of modules and libraries or a separate program represented by the OS. Including things. In addition, a well-known structure and procedure can be used about the specific structure and reading procedure for reading a recording medium in each apparatus shown to embodiment, the installation procedure after reading, etc.

  Various databases and the like stored in the storage unit 106 are storage means such as a memory device such as a RAM and a ROM, a fixed disk device such as a hard disk, a flexible disk, and an optical disk. Programs, tables, databases, web page files, and the like.

  Further, the credit line management device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which an arbitrary peripheral device is connected. Further, the credit frame management device 100 may be realized by installing software (including a program or data) that realizes the processing described in the present embodiment in the device.

  Furthermore, the specific form of distribution / integration of the devices is not limited to that shown in the figure, and all or a part of them may be functionally or physically in arbitrary units according to various additions or according to functional loads. It can be configured to be distributed and integrated. That is, the above-described embodiments may be arbitrarily combined and may be selectively implemented.

  The present invention is particularly useful in industries such as the steel industry and the engineering business, which mainly manage bill credit lines for bill transactions.

DESCRIPTION OF SYMBOLS 100 Credit frame management apparatus 102 Control part 102a Claim balance calculation part 102b Bill acquisition part 102c Debt balance calculation part 102d Claim frame balance calculation part 102e Claim frame balance display part 104 Communication interface part 106 Storage part 106a Corporation master 106b Monthly claim balance file 106c Sales file 106d Deposit file 106e Monthly debt balance file 106f Purchase file 106g Payment file 108 Input / output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims (7)

A credit frame management device comprising a storage unit and a control unit,
The storage unit
Corporate storage means for storing the credit limit, which is a credit limit for each corporation,
With
The controller is
From the sum of the credit limit for the corporation and the debt balance for the corporation on the base date, the balance of the receivable for the corporation on the base date and the due date after the base date, including the base date A credit line balance calculating means for calculating a credit line balance which is an amount obtained by subtracting a sum of bills of unsettled bills drawn by the corporation from the first day to the reference date;
A credit line balance display means for displaying the credit line balance;
A credit line management device comprising: The credit line balance display means includes:
The credit line management device according to claim 1, further comprising displaying a list of the due dates of the unsettled bills. The storage unit
A monthly receivable balance storage means for storing a monthly receivable balance of a month preceding the month including the reference date;
Sales storage means for storing sales data from the first day of the month including the reference date to the reference date;
Deposit storage means for storing deposit data from the first day of the month including the reference date to the reference date;
Further comprising
The controller is
A receivable balance calculating means for calculating the receivable balance, which is an amount obtained by subtracting the deposit data from a sum of the monthly receivable balance and the sales data;
The credit frame management device according to claim 1, further comprising: The storage unit
A monthly debt balance storage means for storing the monthly debt balance of the previous month including the reference date;
Purchase storage means for storing purchase data from the first day of the month including the reference date to the reference date;
Payment storage means for storing payment data from the first day of the month including the reference date to the reference date;
Further comprising
A debt balance calculating means for calculating the debt balance, which is an amount obtained by subtracting the payment data from a sum of the monthly debt balance and the purchase data;
The credit frame management device according to claim 1, further comprising: The controller is
Based on the range specification input by the user, the payment date is after the reference date including the reference date, and the payment was made by the corporation between the first day of the month including the reference date and the reference date. Bill data including the bill amount of the unsettled bill, or the corporation between the first day of the month including the base date and the base date, which becomes the payment date after the base date not including the base date A bill acquisition means for acquiring bill data including the bill amount of the unsettled bill drawn by
The credit frame management device according to any one of claims 1 to 4, further comprising: A credit limit management method for causing a credit limit management apparatus including a storage unit and a control unit to execute,
The storage unit
Corporate storage means for storing the credit limit, which is a credit limit for each corporation,
With
To be executed by the control unit;
From the sum of the credit limit for the corporation and the debt balance for the corporation on the record date, the outstanding balance drawn on the record date after the record date and the balance of the claim for the corporation on the record date A credit line balance calculating step for calculating a credit line balance that is an amount obtained by subtracting a sum of the bill amounts of the bills of
A credit line balance display step for displaying the credit line balance;
A credit line management method comprising: A credit frame management program for causing a credit frame management device including a storage unit and a control unit to execute,
The storage unit
Corporate storage means for storing the credit limit, which is a credit limit for each corporation,
With
In the control unit,
From the sum of the credit limit for the corporation and the debt balance for the corporation on the record date, the outstanding balance drawn on the record date after the record date and the balance of the claim for the corporation on the record date A credit line balance calculating step for calculating a credit line balance that is an amount obtained by subtracting a sum of the bill amounts of the bills of
A credit line balance display step for displaying the credit line balance;
A credit line management program for executing

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