JP2020201777A - Credit management device, credit management method, and credit management program - Google Patents

Abstract

To provide a credit management device, a credit management method, and a credit management program for quickly perform credit management for each customer in the whole group composed of a plurality of subgroups.SOLUTION: A credit management device 100 includes: a setting part 102a for setting a credit limit amount and a plan maintenance ratio for each customer of the whole group; a collection part 102b for collecting cooperation data including debt collateral information of each customer for each subgroup constituting the group; a monthly processing part 102c for monthly calculating results on the set credit limit amount and plan maintenance ratio by using the cooperation data in units of the customer of the whole group being a unified code unit associated with an individual code with reference to a computer-aided name identification master; and a warning part 102d for extracting and outputting warning candidates based on the results on the credit limit amount and the plan maintenance ratio with reference to a warning master with a warning condition for the results of the credit limit amount and the plan maintenance ratio set.SELECTED DRAWING: Figure 3

Description

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

Conventionally, there is Patent Document 1 as a system for performing credit management. In the system of Patent Document 1, the standard credit cost rate acquisition means for acquiring the standard credit cost rate, the standard transaction share acquisition means for acquiring the standard transaction share, and the credit rating of the business partner for calculating the credit limit are supported. The credit risk rate acquisition means for acquiring the credit risk rate, the transaction share calculation means for calculating the transaction share by calculating the standard transaction share × the standard credit cost rate ÷ the credit risk rate, and the above-mentioned in a predetermined reference period. Within the standard period, which is the standard amount of business activities of the business partner, the standard evaluation value of the business partner within the standard period is acquired, and the average collection site, which is the average period for collecting the receivables of the business partner. It is provided with an average collection site acquisition means for acquiring the credit limit amount, and a credit limit amount calculation means for calculating the credit limit amount by calculating the customer standard evaluation value within the reference period × the average collection site × the transaction share.

JP-A-2006-921150

However, in Patent Document 1, regarding credit management for each business partner in the entire group composed of a plurality of subgroups (for example, the entire group company composed of a plurality of companies or the entire company composed of a plurality of business divisions). Is not mentioned at all.

The present invention has been made in view of the above, and is a credit management device, a credit management method, and a credit capable of quickly performing credit management for each business partner in an entire group composed of a plurality of subgroups. The purpose is to provide a management program.

In order to solve the above-mentioned problems and achieve the object, the present invention is a credit management device including a control unit and a storage unit, which manages credit for each business partner in the entire group composed of a plurality of subgroups. In the storage unit, a unified code for unifying the entire group to identify the business partner and an individual code for individually identifying the business partner in the plurality of subgroups are associated with each other. Cooperation including the registered name identification master, the warning master that sets the warning conditions for the credit limit and the actual performance for the planned maintenance rate, and the individual code and the credit / debt collateral information for the business partner collected for each subgroup. The data and the data are stored, and the control unit sets the credit limit amount and the planned maintenance rate for each business partner in the entire group, and the collection means for collecting the linked data for each subgroup. And, on a monthly basis, referring to the name identification master, the credit limit and the plan set above are used for each business partner of the entire group, which is a unified code unit linked to the individual code. It is provided with a monthly processing means for calculating the actual result for the maintenance rate and a warning means for extracting and outputting warning candidates based on the actual result for the credit limit and the planned maintenance rate by referring to the warning master. It is a feature.

Further, according to the present invention, the group composed of the plurality of subgroups may include a group company composed of a plurality of companies or a company composed of a plurality of business units.

Further, according to the present invention, the credit / debt collateral information includes the credit balance, the order balance, the debt balance, and the collateral amount, and the actual result with respect to the credit limit amount is (credit balance + order balance) / credit limit amount. It is a calculated credit limit rate, and the actual result with respect to the planned maintenance rate may be the actual maintenance rate calculated by (debt balance + collateral amount) / (credit balance + order balance).

Further, in order to solve the above-mentioned problems and achieve the object, the present invention is executed by an information processing device including a control unit and a storage unit, and is executed by a business partner in the entire group composed of a plurality of subgroups. In the storage unit, a unified code for unifying the entire group to identify the business partner and the plurality of subgroups individually identify the business partner. A name identification master registered in association with an individual code for the purpose of processing, a warning master in which warning conditions for credit limits and actual results for the planned maintenance rate are set, and the individual code and the business partner collected for each subgroup. Linkage data including credit / debt collateral information for the above is stored, and a setting step for setting a credit limit amount and a planned maintenance rate for each business partner in the entire group, which is executed by the control unit, and For each of the subgroups, the collection step of collecting the cooperation data, and monthly, referring to the name identification master, the cooperation data is the unit of the business partner of the entire group, which is the unified code unit linked to the individual code. Use to calculate the actual results for the set credit limit and planned maintenance rate, and refer to the warning master for warning candidates based on the actual results for the credit limit and planned maintenance rate. It is characterized by including a warning step for extracting and outputting.

Further, in order to solve the above-mentioned problems and achieve the object, the present invention is executed by an information processing device including a control unit and a storage unit, and is executed by a business partner in the entire group composed of a plurality of subgroups. In the credit management program that manages the credit of the above, the storage unit has a unified code for unifying the entire group to identify the business partner, and the plurality of subgroups individually identify the business partner. A name identification master registered in association with an individual code for the purpose of processing, a warning master in which warning conditions for the credit limit and the actual performance for the planned maintenance rate are set, and the individual code and the business partner collected for each of the subgroups. Linkage data including credit / debt collateral information for the above is stored, and in the control unit, a setting step for setting a credit limit and a planned maintenance rate for each business partner in the entire group, and the subgroup. Each time, the cooperation data is used in the collection step of collecting the cooperation data and in the customer unit of the entire group, which is the unified code unit linked to the individual code, with reference to the name identification master in the monthly. Then, with reference to the monthly processing step for calculating the actual results for the set credit limit and the planned maintenance rate, and the warning master, warning candidates based on the actual results for the credit limit and the planned maintenance rate are extracted. It is characterized by being a credit management program for executing a warning step to be output.

According to the present invention, it is possible to quickly perform credit management for each business partner in the entire group composed of a plurality of subgroups.

FIG. 1 is a diagram showing an example of an outline of data linkage of the credit management system according to the present embodiment. FIG. 2 is a diagram showing an example of a data utilization image (flow at the time of order check) of the credit management system according to the present embodiment. FIG. 3 is a block diagram showing an example of the configuration of the credit management system according to the present embodiment. FIG. 4 is a diagram showing a configuration example of a customer master and a name identification master. FIG. 5 is a diagram showing a configuration example of the credit setting master. FIG. 6 is a diagram showing a configuration example of the warning master. FIG. 7 is a flowchart for explaining the outline of the overall processing flow of the control unit of the credit management system. FIG. 8 is a diagram showing sample data of cooperation data and aggregated data. FIG. 9 is a diagram showing an example of form output of warning candidates. FIG. 10 is a diagram showing an output example summarizing warning candidates.

The credit management device, the credit management method, and the embodiment of the credit management program will be described in detail below with reference to the drawings. The present invention is not limited to the present embodiment. Hereinafter, a specific configuration and operation will be described.

[1. Overview]
Conventionally, the credit limit, credit balance, and collateral are managed for each company of a group company composed of multiple companies or for each business unit of a company composed of multiple business divisions, so that the entire group company or the company It was not possible to visualize the credit limit, credit balance, and collateral ratio for each business partner as a whole. Even for the same business partner, there is a restriction that different customer numbers are managed for each group company or each business division, so the system user aggregates receivables, debts, and collateral after performing name identification, and the credit balance. It was necessary to aggregate.

In addition, although the above check is performed at the timing of monthly closing, it takes time for counting work, so there is a risk of excessive sales to specific business partners and swelling of receivables, lack of maintenance, and there is a credit limit warning. Despite this, there was a management problem that it took time to make credit management decisions, such as delays in countermeasures.

Therefore, in the credit management system of the present embodiment, a mechanism has been constructed in which credit management is performed monthly for each business partner in a group company or a company adopting a divisional system, and candidates within the warning standard are extracted.

Specifically, in the monthly check of credit management, "name identification information of business partners within group companies and each business division" and "credit and debt collateral information of each business partner by each group company and business division" As of the end of the month, the credit balance and collateral rate for each business partner are totaled. In this way, it has become feasible to calculate the precise credit reserve by adding debt / collateral information in addition to credit information.

In addition, it has become possible to extract not only those who exceed the credit check criteria but also candidates included in the warning criteria, and it has become possible to take action with a sense of speed regarding credit management issues. ..

In the present embodiment, a group company composed of a plurality of companies, a company composed of a plurality of business divisions, and the like are collectively referred to as a "group composed of a plurality of subgroups". In the following description, a group company composed of a plurality of companies will be described as an example of a "group composed of a plurality of subgroups", but the present invention is not limited to this, and a plurality of business units may be used. Needless to say, it can also be applied to constituent companies.

Specifically, in the following, a case where the group company is composed of the head office, the subsidiary A, and the subsidiary B, and the business partners are XX, XX trading, and XX real estate will be described as an example.

The outline of the credit management system 100 (also referred to as “credit management device”) according to the present embodiment will be described with reference to FIGS. 1 and 2. FIG. 1 is a diagram showing an example of an outline of data linkage. FIG. 2 is a diagram showing an example of a data utilization image (flow at the time of order check).

In the credit management system 100 according to the present embodiment, as shown in FIG. 1, the claims and debts managed by the accounting systems 400 ... Of the companies constituting the group companies (for example, the head office, the subsidiary A, the subsidiary B), respectively. -The backlog data, collateral / security deposit data, business partner data, etc. can be linked (acquired) and aggregated by the entire group company.

The credit balance can be calculated by the following: credit balance = credit limit- (credit balance + order balance). For example, if the credit limit is 10 million yen, the bond balance is 6 million yen, and the order backlog is 3 million yen, the credit balance is 1 million yen.

In the credit management system 100 of the present embodiment, as shown in FIG. 2, first, the credit limit amount and the planned maintenance rate are set (1). Next, each accounting system 400 is aggregated monthly (base date) (refer to the balance of receivables, deposit amount, etc.), and the credit line for the entire group is updated (2), which is excessive for a specific business partner. It is possible to review the credit limit, etc. by extracting warning candidates in order to check whether or not the credit is given (3).

[2. Constitution]
An example of the configuration of the credit management system (credit management device) 100 according to the present embodiment will be described with reference to FIG. FIG. 3 is a block diagram showing an example of the configuration of the credit management system 100. In the following description, the unit of the amount of money is "thousand yen", and the description of the unit is omitted.

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

The credit management system 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each part of the credit management system 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 connects the credit management system unit 100 to the network 300 so as to be communicable 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 another device via a communication line. Here, the network 300 connects the credit management system 100 and the accounting system 400 (for example, the head office, the subsidiary A, the subsidiary B) of each company constituting the server 200 and the group companies so as to be able to communicate with each other. It has a function and is, for example, the Internet or a LAN (Local Area Network). The credit management system 100 can collect (acquire) credit / debt collateral information about the business partner of the company from the accounting system 400 via the communication interface unit 104 and the network 300. Data of various masters and the like, which will be described later, may be stored in the server 200, for example.

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 or a printer can be used in addition to a monitor (including a home television). As the input device 112, in addition to a keyboard, a mouse, and a microphone, a monitor that cooperates with the mouse to realize a pointing device function can be used. In the following, the output device 114 may be referred to as a monitor 114, and the input device 112 may be referred to as a keyboard 112 or a mouse 112.

Various databases, tables, files, and the like are stored in the storage unit 106. In the storage unit 106, a computer program for giving an instruction to a CPU (Central Processing Unit) in cooperation with an OS (Operating System) to perform various processes is recorded. As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, or the like can be used.

The storage unit 106 includes, for example, a customer master 106a, a name identification master 106b, a credit setting master 106c, a warning master 106d, cooperation data 106e, and aggregated data 106f. FIG. 4 is a diagram showing a configuration example of the customer master 106a and the name identification master 106b. FIG. 5 is a diagram showing a configuration example of the credit setting master 106c. FIG. 6 is a diagram showing a configuration example of the warning master 106d.

The customer master 106a is a master for managing business partners individually in each company. FIG. 4 shows the customer master 106a for each of the head office, subsidiary A, and subsidiary B. As shown in FIG. 4, the customer master 106a is composed of, for example, a table registered by associating KEY, which is an individual code individually used by each company to identify a business partner, with the company name of the business partner. can do.

In the example of the customer master 106a shown in FIG. 4, between the head office and the subsidiary A, XX is managed by KEY "200", XX trading is managed by KEY "300", and XX real estate is managed by KEY "400". , All KEYs are common. On the other hand, in subsidiary B, XX is managed by KEY "202", XX trading is managed by KEY "302", and XX real estate is managed by KEY "402". In this way, if business partners are managed using different KEYs between companies even though they are the same business partner, it is not possible to aggregate linked data for each business partner, so the same business partner can be used. On the other hand, a name identification master 106b for grouping business partners (so-called name identification) by attaching the same code is required.

The name identification master 106b is a master for managing business partners in a unified manner for the entire group company. As shown in FIG. 4, the name identification master 106b includes, for example, a company code for identifying a company constituting a group company, a unified code used uniformly for the entire group company for identifying a business partner, and a KEY. , It can be composed of a table etc. registered in association with the company name of the business partner.

In the name identification master 106b of FIG. 4, XX is the unified code "100000001", XX Trading is the unified code "100000002", and XX real estate is the unified code "100000003", which is common to all of the head office, subsidiary A and subsidiary B. It can be said that the same business partners are grouped together (so-called name identification) by attaching the same code to the same business partners.

The credit setting master 106c is a master for setting the credit limit amount and the planned maintenance rate for each business partner in the entire group company. As shown in FIG. 5, the credit setting master 106c is, for example, a unified code, a company name of a business partner, a record date for monthly aggregation, and a credit limit for the business partner in the entire group company. The credit limit and the planned maintenance rate, which is the target maintenance rate for claims to business partners in the entire group company, can be registered in association with each other and composed of a table or the like.

In the example shown in FIG. 5, the first line is the unified code "100000001", the company name "XX", the base date "March 31, 2019", the credit limit "70,000", and the planned maintenance rate "60". %, The second line is the unified code "100000002", the company name "XX Shoji", the record date "March 31, 2019", the credit limit "4,000", and the planned maintenance rate "50%". The third line is the unified code "100000003", the company name "XX Real Estate", the record date "March 31, 2019", the credit limit "20,000", and the planned maintenance rate "40%". ..

The warning master 106d defines warning conditions based on the actual credit limit rate for the set credit limit and the actual maintenance rate for the set planned maintenance rate, and extracts warning candidates. It is a master. As shown in FIG. 6, the warning master 106d can be composed of, for example, a table in which a warning code, a name that is a warning content, and warning condition data are registered in association with each other.

In the example shown in FIG. 6, the first line is the warning code "001", the name "credit limit exceeded", the warning condition "credit limit rate> 100%", and the second line is the warning code "002", the name "credit". "Limit warning", condition "credit limit rate> 80% and credit limit rate ≤ 100%", the third line is warning code "101", name "planned maintenance not achieved", warning condition "actual maintenance rate> planned maintenance rate" The fourth line is the warning code "102" and the name "insufficient performance maintenance".

The linked data 106e is data for managing credit / debt collateral information (credit amount, backlog, debt amount, and collateral amount) for each business partner of each company constituting the group company. The linked data 106e includes, for example, a company code, a KEY, a company name of a business partner, a record date for monthly processing, a balance of receivables that is the balance of receivables from the business partners of the companies that make up the group company, and a group. The order balance, which is the amount of services or products provided by the companies that make up the company and that have not yet been provided or delivered to the business partners among the orders received from the business partners, and the companies that make up the group companies It may include the debt balance, which is the balance of the debt to the business partner, and the collateral amount, which is the amount of collateral (for example, the guarantee amount) that the companies constituting the group company take from the business partner (Fig. 8). reference).

The aggregated data 106f is data for monthly management of the credit limit rate, maintenance rate, etc. for each business partner of the entire group company set in the credit setting master 106c. More specifically, the aggregated data 106f is monthlyly set by the group company using the cooperation data 106e for the credit limit amount and the planned maintenance rate for each business partner of the entire group company set in the credit setting master 106c. This is data for calculating the credit limit rate and actual maintenance rate for each business partner in the entire company and determining whether or not they correspond to warning candidates.

The aggregated data 106f contains, for example, a unified code, a record date, a company name of a business partner, a credit limit amount which is a credit limit amount for a business partner in the entire group company, and a credit limit rate which is an actual credit limit amount. And, the planned maintenance rate, which is the target maintenance rate of the claims against the business partners in the entire group company, the actual maintenance rate, which is the actual result of the planned maintenance rate, and the credit / debt collateral information (claims) that aggregates the cooperation data 106e for each business partner. Amount, backlog, debt amount and collateral amount) may be included (see FIG. 8). The data of the credit setting master 106c is written as the data of the unified code, the company name, the record date, the credit limit, and the planned maintenance rate.

The credit limit interest rate can be calculated by the credit limit rate = (credit balance + order balance) / credit limit amount. The actual maintenance rate can be calculated by the actual maintenance rate = (debt balance + collateral amount) / (credit balance + order balance).

Returning to FIG. 3, the control unit 102 is a CPU or the like that collectively controls the credit management system 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, required data, and the like, and performs various information processing based on these stored programs. Execute.

The control unit 102 is functionally conceptually provided with a setting unit 102a, a collection unit 102b, a monthly processing unit 102c, and a warning unit 102d.

The setting unit 102a, for example, responds to an operator's operation on an input screen (not shown) displayed on the monitor 114, and for each business partner in the entire group company, the unified code, company name, and standard of the credit setting master 106c. Set the date, credit limit, and planned maintenance rate.

The collection unit 102b collects the linkage data 106e, which is the credit / debt collateral information for each company, from the accounting system 400 of the head office, the subsidiary A, and the subsidiary B. The cooperation data 106e may be collected at the end of the month when the monthly processing (monthly check) is performed, or may be performed at a shorter cycle and updated to the latest one.

The monthly processing unit 102c performs monthly processing, and on a monthly basis (base date), the name identification master 106b is referred to, and the unit is a unified code unit linked to the individual code KEY. , The actual result for the credit limit amount and the planned maintenance rate set by the setting unit 102a is calculated by using the cooperation data 106e.

The warning unit 102d refers to the warning master 106d, extracts and outputs warning destination candidates based on the actual credit limit of the aggregated data 106f and the planned maintenance rate.

The credit / debt collateral information includes the credit balance, the order balance, the debt balance, and the collateral amount, and the actual credit limit is the credit limit interest rate calculated by (credit balance + order balance) / credit limit, and is planned. The actual maintenance rate may be the actual maintenance rate calculated by (debt balance + collateral amount) / (credit balance + order backlog). The bond / debt collateral information is not limited to the bond balance, the order balance, the debt balance, and the collateral amount, and other information may be used. Further, the actual results of the credit limit amount and the planned maintenance rate are not limited to the credit limit interest rate and the actual maintenance rate, and other actual values may be used, for example, the credit reserve capacity or the like may be used.

[3. Concrete example]
A specific example of the processing of the control unit 102 of the credit management system 100 according to the present embodiment will be described with reference to FIGS. 3 to 10. FIG. 7 is a flowchart for explaining the outline of the overall processing flow of the control unit 102 of the credit management system 100.

With reference to FIG. 7, the outline of the overall processing flow of the control unit 102 of the credit management system 100 will be described. In FIG. 7, the setting unit 102a responds to, for example, an operator's operation on an input screen (not shown) displayed on the monitor 114, and the credit limit amount for each business partner of the entire group company of the credit setting master 106c. And the planned maintenance rate and the like are set (step S1).

The collection unit 102b collects the linkage data 106e, which is the credit / debt collateral information of each business partner, from the accounting system 400 ... Of the companies constituting the group companies (for example, the head office, the subsidiary A, the subsidiary B) (for example). Step S2).

The monthly processing unit 102c refers to the name identification master 106b on a monthly basis (base date), and collects cooperation data 106e for each business partner of the entire group company, which is a unified code unit linked to the individual code KEY. Is used to calculate the actual results for the credit limit and the planned maintenance rate set by the setting unit 102a, and create the aggregated data 106f (step S3).

The warning unit 102d refers to the warning master 106d, extracts and outputs warning destination candidates based on the actual credit limit of the aggregated data 106f and the planned maintenance rate (step S4).

Next, with reference to the master configuration examples of FIGS. 4 to 6 and the sample data of FIGS. 8 to 10.
A specific example of the processing of the control unit 102 of the credit management system 100 will be described. FIG. 8 is a diagram showing sample data of cooperation data and aggregated data.

In the following description, the data examples of the customer master 106a, the name identification master 106b, and the warning master 106d shown in FIGS. 3 to 6 described above and the data example of the cooperation data 106e shown in FIG. 8 are shown in FIG. The case of creating the aggregated data 106f will be described.

In the example of the linked data 106e shown in FIG. 8, for the head office of the company code “100”, the first line is KEY “200”, the company name “XX”, the record date “March 31, 2019”, and the debt balance “ 10,000 ", order balance" 5,000 ", debt balance" 8,000 ", collateral amount" 12,000 ", the second line is KEY" 300 ", company name" XX Shoji ", record date" It is "2019/3/31", the bond balance "500", the order balance "3,000", the debt balance "500", and the collateral amount "1,000".

Regarding subsidiary A of company code "101", the third line is KEY "200", company name "XX", record date "March 31, 2019", bond balance "12,000", order balance "2," 000 ”, debt balance“ 7,000 ”, collateral amount“ 0 ”, 4th line is KEY“ 400 ”, company name“ XX real estate ”, record date“ 2019/3/31 ”, bond balance“ 10, The order balance is "5,000", the debt balance is "0", and the collateral amount is "10,000".

Regarding subsidiary B with company code "102", the fifth line is KEY "202", company name "XX", record date "March 31, 2019", bond balance "14,000", order balance "1, 000, debt balance "2,000", collateral amount "10,000", 6th line is KEY "402", company name "XX real estate", record date "2019/3/31", bond balance " The order balance is "0", the order balance is "8,000", the debt balance is "5,000", and the collateral amount is "0".

Next, the creation of the aggregated data 106f shown in FIG. 8 from the linked data 106e shown in FIG. 8 will be described. Hereinafter, the aggregation for the business partners "XX", "XX Trading", and "XX Real Estate" of the entire group companies will be described in this order.

First, in FIG. 8, the monthly processing unit 102c displays the unified code, company name, reference date, credit limit amount, and planned maintenance rate of the credit setting master 106c shown in FIG. 5 on the 1st to 3rd lines of the aggregated data 106f. Write the data of.

(1. Aggregation of business partners "XX")
With reference to the name identification master 106b in FIG. 4, the unified code for the business partner “XX” is “100000001”, and the KEYs corresponding to the unified code “100000001” are “200” and “202”.

The monthly processing unit 102c uses the KEY "200" and "202" as keys to obtain data on the bond balance, order balance, debt balance, and collateral amount in the first, third, and fifth lines from the linkage data 106e. Acquired, debt balance (36,000 = 10,000 + 12,000 + 14,000), order balance (8,000 = 5,000 + 2,000 + 1,000), debt balance (17,000 = 8,000 + 7,000 + 2,000) ), The collateral amount (13,000 = 12,000 + 0 + 1,000) is totaled, and the totaled result is written in the first line of the totaled data 106f.

Next, the monthly processing unit 102c calculates the credit limit rate = (credit balance "36,000" + order balance "8,000") / credit limit amount "70,000" = 62.9%, and at the same time. Actual maintenance rate = (debt balance "17,000" + collateral amount "13,000") / bond balance "36,000" + order balance "8,000")) = 68.2% is calculated and one line Write in the eyes.

(2. Aggregation of business partners "XX Shoji")
With reference to the name identification master 106b in FIG. 4, the unified code for the business partner “XX Shoji” is “100000002”, and the KEYs associated with the unified code “100000002” are “300” and “302”.

The monthly processing unit 102c acquires the data of the bond balance, the order balance, the debt balance, and the collateral amount in the second line from the cooperation data 106e using the KEY "300" and "302" as keys, and obtains the bond balance (500). ), Order balance (3,000), debt balance (500), and collateral amount (1,000) are written in the second line (in this case, only one hit is made, so it is written as it is).

Next, the monthly processing unit 102c calculates the credit limit rate = (credit balance "500" + order balance "3,000") / credit limit "4,000" = 87.5%, and maintains the actual results. Write rate = (debt balance "500" + collateral amount "1,000") / (credit balance "500" + order balance "3,000") = 42.9% on the second line.

(3. Aggregation of business partners "XX Real Estate")
With reference to the name identification master 106b in FIG. 4, the unified code for the business partner “XX real estate” is “100000003”, and the KEYs associated with the unified code “100000003” are “400” and “402”.

The monthly processing unit 102c acquires the data of the bond balance, the order balance, the debt balance, and the collateral amount in the 4th and 6th lines from the cooperation data 106e using the KEY "400" and "402" as keys, and the bond balance. (10,000 = 10,000 + 0), order balance (13,000 = 5,000 + 8,000), debt balance (5,000 = 0 + 5,000), collateral amount (10,000 = 10,000 + 0) Then, write the total result on the third line.

Next, the monthly processing unit 102c calculates the credit limit rate = (credit balance "10,000" + order balance "13,000") / credit limit amount "20,000" = 115.0%, and at the same time. Write the actual maintenance rate = (debt balance "5,000" + collateral amount "10,000") / (credit balance "10,000" + order balance "13,000") = 65.2% on the third line ..

(4. Extraction of warning candidates)
The warning unit 102d extracts warning candidates based on the credit limit rate and the actual maintenance rate of the aggregated data 106f aggregated by the monthly processing unit 102c with reference to the warning master 106d shown in FIG.

The customer "XX" in the first row of the aggregated data 106f has a credit limit rate of "62.9%" and an actual maintenance rate of "68.2%", and therefore does not correspond to the warning conditions of the warning master 106d.

Regarding the customer "XX Shoji" in the second line of the aggregated data 106f, the credit limit rate is "87.5%" and the actual maintenance rate is "42.9%". Since it corresponds to the warning condition of "planned maintenance not achieved" of the warning code "101" of the warning master 106d, "actual maintenance rate (42.9%)> planned maintenance rate (50%)", "planned maintenance not achieved". Is extracted as a warning candidate. In addition, it corresponds to the warning condition "credit limit rate (87.5%)> 80% and credit limit rate (87.5%) ≤ 100%" of the "credit limit warning" of the warning code "102" of the warning master 106d. Therefore, it is extracted as a warning candidate of "credit limit warning".

Regarding the customer "XX real estate" in the third line of the aggregated data 106f, the credit limit rate is "115.0%" and the actual maintenance rate is "65.2%", so the warning code "001" of the warning master 106d. Since it corresponds to the warning condition "credit limit rate (115.0%)> 100%" of "credit limit exceeded", it is extracted as a warning candidate for "credit limit exceeded".

FIG. 9 is a diagram showing a form output example of a warning candidate output by the warning unit 102d. In the warning form output example, the judgment result of the warning candidate for each business partner of the group company and the breakdown of the companies constituting the group company are shown. As for "XX Shoji", "planned maintenance has not been achieved", so it is conceivable to request transaction restraint or additional margin as a countermeasure. In addition, since "XX Shoji" is a "credit limit warning", it is conceivable to apply for a change in the credit limit as a countermeasure.

As for "XX real estate", since it is "exceeding the credit limit", it is conceivable to apply for transaction restraint or change the credit limit as a countermeasure. In this way, it is possible to take measures to quickly maintain credit.

FIG. 10 is a diagram showing an output example summarizing the warning candidates output by the warning unit 102d. In the example shown in FIG. 10, the form format shown in FIG. 9 is summarized based on the number of cases.

As described above, according to the present embodiment, the unified code for unifying the entire group to identify the business partner and the individual code for individually identifying the business partner in a plurality of subgroups are associated with each other. Cooperation with the name identification master 106b registered in the above, the warning master 106d in which the warning conditions for the credit limit and the actual performance for the planned maintenance rate are set, and the individual code and the credit / debt collateral information for the business partner collected for each subgroup. The data 106e, the setting unit 102a that sets the credit limit and the planned maintenance rate for each business partner in the entire group, the collection unit 102b that collects the cooperation data 106e for each subgroup, and the name identification master on a monthly basis. Monthly processing to calculate the actual results for the set credit limit and planned maintenance rate using the linkage data 106e for each business partner of the entire group, which is a unified code unit linked to the individual code with reference to 106b. Since it includes a unit 102c and a warning unit 102d that extracts and outputs warning candidates based on the actual results for the credit limit and the planned maintenance rate with reference to the warning master 106d, it is composed of a plurality of subgroups. It is possible to quickly manage credit for each business partner in the entire group.

Since the group composed of a plurality of subgroups includes a group company composed of a plurality of companies or a company composed of a plurality of business divisions, the entire group company composed of a plurality of companies or a plurality of companies It is possible to quickly manage credit for each business partner in the entire company consisting of business divisions.

[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 ideas described in the claims.

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

In addition, the processing procedure, control procedure, specific name, information including parameters such as registration data and search conditions of each processing, screen examples, and database configuration shown in this specification and drawings are not specified unless otherwise specified. Can be changed arbitrarily.

Further, with respect to the credit management system 100, each component shown in the figure is a functional concept and does not necessarily have to be physically configured as shown in the figure.

For example, with respect to the processing functions included in the credit management system 100, particularly each processing function performed by the control unit, all or any part thereof may be realized by the CPU and a program interpreted and executed by the CPU. It may be implemented as hardware by wired logic. The program is recorded on a non-temporary computer-readable recording medium including programmed instructions for causing the information processing apparatus to execute the processing described in the present embodiment, and a credit management system is required. Read mechanically to 100. That is, a computer program for giving commands to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or an HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM, and constitutes a control unit in cooperation with a CPU.

Further, this computer program may be stored in an application program server connected to the credit management system 100 via an arbitrary network, and all or a part thereof can be downloaded as needed. is there.

Further, the program for executing the process described in the present embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the "recording medium" includes a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), and an EPROM (registered). Trademarks) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magnet-Optical Disk), MO (Magnet-Optical Disk), Digital Disk, DVD (Digital), DVD (Digital) It shall include any "portable physical medium".

The "program" is a data processing method described in any language or description method, regardless of the format such as source code or binary code. The "program" is not necessarily limited to a single program, but is distributed as a plurality of modules or libraries, or cooperates with a separate program represented by the OS to achieve its function. Including things. A well-known configuration and procedure can be used for a specific configuration and reading procedure for reading the recording medium in each device shown in the embodiment, and an installation procedure after reading.

Various databases and the like stored in the storage unit are memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and storage means such as optical disks, and are used for various processes and website provision. Stores programs, tables, databases, files for web pages, etc.

Further, the credit management system 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 management system 100 may be realized by mounting software (including a program or data) that realizes the processing described in the present embodiment on the device.

Furthermore, the specific form of dispersion / integration of the device is not limited to that shown in the figure, and all or part of the device may be functionally or physically in any unit according to various additions or functional loads. It can be distributed and integrated. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

100 Credit management system (credit management device)
102 Control unit 102a Setting unit 102b Collection unit 102c Monthly processing unit 102d Warning unit 104 Communication interface unit 106 Storage unit 106a Customer master 106b Name identification master 106c Credit setting master 106d Warning master 106e Linkage data 106f Aggregate data 108 Input / output interface unit 112 Input Device 114 Output device 200 Server 300 Network
400 accounting system

Claims (5)

It is a credit management device that has a control unit and a storage unit, and manages credit for each business partner in the entire group composed of a plurality of subgroups.
In the storage unit
A name identification master registered in association with a unified code for unifying the entire group to identify a business partner and an individual code for individually identifying the business partner in the plurality of subgroups.
A warning master that sets warning conditions for actual credit limits and planned maintenance rates,
Linkage data collected for each subgroup and including the individual code and credit / debt collateral information for the business partner,
Is stored,
The control unit
Setting means for setting the credit limit and planned maintenance rate for each business partner in the entire group,
A collection means for collecting the cooperation data for each of the subgroups,
Monthly, with reference to the name identification master, the set credit limit and planned maintenance rate are used for each business partner of the entire group, which is a unified code unit linked to the individual code, using the cooperation data. Monthly processing means to calculate the actual results for
With reference to the warning master, warning means for extracting and outputting warning candidates based on the credit limit calculated by the monthly processing means and the actual results for the planned maintenance rate, and
A credit management device characterized by being equipped with. The credit management device according to claim 1, wherein the group composed of the plurality of subgroups includes a group company composed of a plurality of companies or a company composed of a plurality of business divisions. The bond / debt collateral information includes a bond balance, an order balance, a debt balance, and a collateral amount.
The actual result for the credit limit is the credit limit rate calculated by (balance of receivables + balance of orders) / credit limit.
The credit management device according to claim 1 or 2, wherein the actual maintenance rate with respect to the planned maintenance rate is an actual maintenance rate calculated by (debt balance + collateral amount) / (credit balance + order balance). .. It is a credit management method that manages credit for each business partner in the entire group composed of a plurality of subgroups, which is executed by an information processing device including a control unit and a storage unit.
In the storage unit
A name identification master registered in association with a unified code for unifying the entire group to identify a business partner and an individual code for individually identifying the business partner in the plurality of subgroups.
A warning master that sets warning conditions for actual credit limits and planned maintenance rates,
Linkage data collected for each subgroup and including the individual code and credit / debt collateral information for the business partner,
Is stored,
Executed by the control unit,
A setting step for setting a credit limit and a planned maintenance rate for each business partner in the entire group.
For each of the subgroups, a collection step for collecting the linked data and
Monthly, with reference to the name identification master, the set credit limit and planned maintenance rate are used for each business partner of the entire group, which is a unified code unit linked to the individual code, using the cooperation data. Monthly processing step to calculate the actual results for
With reference to the warning master, a warning step of extracting and outputting warning candidates based on the actual credit limit calculated by the monthly processing means and the planned maintenance rate, and
A credit management method characterized by including. A credit management program that manages credit for each business partner in an entire group consisting of multiple subgroups, which is executed by an information processing device including a control unit and a storage unit.
In the storage unit
A name identification master registered in association with a unified code for unifying the entire group to identify a business partner and an individual code for individually identifying the business partner in the plurality of subgroups.
A warning master that sets warning conditions for actual credit limits and planned maintenance rates,
Linkage data collected for each subgroup and including the individual code and credit / debt collateral information for the business partner,
Is stored,
In the control unit
A setting step for setting a credit limit and a planned maintenance rate for each business partner in the entire group.
For each of the subgroups, a collection step for collecting the linked data and
Monthly, with reference to the name identification master, the set credit limit and planned maintenance rate are used for each business partner of the entire group, which is a unified code unit linked to the individual code, using the cooperation data. Monthly processing step to calculate the actual results for
With reference to the warning master, a warning step of extracting and outputting warning candidates based on the actual credit limit calculated by the monthly processing means and the planned maintenance rate, and
Credit management program to execute.

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