JP2022179703A - Credit surplus capacity calculation device, credit surplus capacity calculation method and credit surplus capacity calculation program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit surplus capacity calculation device, a credit surplus capacity calculation method, and a credit surplus capacity calculation program, which can calculate credit surplus capacity for each customer of an entire group company composed of a plurality of companies.

SOLUTION: In this embodiment, (1) a computer-assisted name identification master including an unified code used consistently for an entire group company to identify a customer and a KEY used individually by each company constituting the group company to identify the customer, and cooperation data including the KEY and a claim amount for the customer are referred to, and the claim amount in the cooperation data is aggregated in KEY units associated with the same unified code in the computer-assisted name identification master, and (2) a limit amount table including the unified code and a credit limit amount for the customer in the entire group company is referred to, and an amount obtained by subtracting the aggregated claim amount for the unified code in the limit amount table associated with the credit limit amount from the credit limit amount in the limit amount table is calculated as credit surplus capacity for the customer in the entire group company.

SELECTED DRAWING: Figure 7

COPYRIGHT: (C)2023,JPO&INPIT

Description

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

Patent Literature 1 discloses a credit limit evaluation system capable of supporting evaluation of whether or not the calculated credit limit is at an appropriate level (see paragraph 0007).

JP-A-2006-331333

In the field of managing credit to business partners in this way, when managing credit in a group company consisting of multiple companies, conventionally, each group company managed the credit capacity of each business partner. , there was a problem that it was not possible to manage the credit capacity of each customer for the entire group company.

For example, assume that there is a group company consisting of company A and company B, and both companies are doing business with customer X. In this case, in the past, even if we were able to grasp the information that company A has a credit margin of 10,000,000 yen for customer X and company B has a credit margin of 20,000,000 yen for customer X, both companies A and B ( In other words, it was not possible to grasp the information that the credit capacity for client X was 30,000,000 yen for the entire group company.

The present invention has been made in view of the above problems, and is a credit margin calculation device and a credit margin calculation method capable of calculating the credit margin for each customer in the entire group company composed of a plurality of companies. and to provide a credit margin calculation program.

In order to solve the above-described problems and achieve the object, a credit margin calculation device according to the present invention includes a control unit and a storage unit, and calculates the credit margin for each customer in the entire group company composed of a plurality of companies. , wherein the storage unit stores customer identification unified data used uniformly by the entire group company to identify the customer, and each of the customer identification data to identify the customer A unified master containing customer identification individual data used individually by said company, a transaction amount table containing customer identification individual data and the amount of claim that is the amount of claim of said company against said customer, and a unified customer identification and a credit limit table containing data and a credit limit amount that is the credit limit for the business partner in the entire group company, and the control unit unifies the same business partner identification in the unified master. A first aggregating means for aggregating the receivable amount in the transaction amount table in units of customer identification individual data linked with data; Credit margin calculation for calculating credit margin, which is the credit margin of the entire group company to the customer, by subtracting the amount aggregated by the first aggregation means for the unified data for identifying the customer in the limit amount table. and means.

Further, in the credit margin calculation device according to the present invention, the transaction amount table includes services or products provided by the company that have been ordered from the business partner and that have not yet been provided or delivered to the business partner. Further includes an order backlog, which is the amount of items that have not been processed, and the first aggregating means performs the credit amount in the transaction amount table in units of customer identification individual data linked with the same customer identification unified data in the unified master and aggregating the backlog of orders.

Further, in the credit margin calculation device according to the present invention, the transaction amount table includes a debt amount, which is the amount of debt of the company to the customer, and a collateral amount, which is the amount of collateral the company has taken from the customer. and wherein the control unit aggregates the debt amount and the collateral amount in the transaction amount table in units of customer identification individual data linked with the same customer identification unified data in the unified master Further comprising aggregating means, the credit margin calculating means calculates the first aggregating means for the unified customer identification data in the limit table linked to the credit limit from the credit limit in the limit table The credit capacity is calculated by adding the amount aggregated by the second aggregation means for the unified business partner identification data in the limit table linked to the credit limit to the amount obtained by subtracting the amount aggregated in . characterized by:

Further, in the credit margin calculation device according to the present invention, when the credit margin calculated by the credit margin calculation means is 0 yen or more, the control unit indicates that the group company as a whole can extend credit to the business partner. credit determination result output means for outputting a determination that said credit margin calculated by said credit margin calculation means is not equal to or greater than 0 yen, said group company as a whole cannot give credit to said business partner; characterized by further comprising:

Further, a credit margin calculation method according to the present invention is executed by an information processing apparatus having a control unit and a storage unit, and calculates a credit margin for each customer of a group company comprising a plurality of companies as a whole. In the calculation method, the storage unit stores supplier identification unified data used uniformly by the entire group company to identify the supplier and individual company identification data for each company to identify the supplier A unified master containing the customer identification individual data to be used, a transaction amount table containing the customer identification individual data and the claim amount that is the amount of the claim of the company to the customer, the customer identification unified data and the group company and a credit limit table containing a credit limit amount that is the total credit limit for the business partner, and the same business partner identification unified data in the unified master executed by the control unit a first aggregating step of aggregating the credit amounts in the transaction amount table in units of linked customer identification individual data; a credit margin calculation step of calculating an amount obtained by subtracting the amount aggregated in the first aggregation step for the unified data for identifying the business partner in the table as a credit margin, which is the credit capacity of the entire group company to the business partner; , and

Further, a credit margin calculation program according to the present invention is a credit margin calculation program for calculating a credit margin for each customer in an entire group company composed of a plurality of companies, to be executed by an information processing apparatus having a control unit and a storage unit. A surplus capacity calculation program, wherein the storage unit stores supplier identification unified data used in a unified manner by the entire group companies to identify the supplier and individual company data to identify the supplier A unified master containing individual data for identifying business partners used for the above, a transaction amount table containing individual data for identifying business partners and the amount of claim that is the amount of claims of said company against said business partner, unified data for business partner identification and said group and a limit amount table containing a credit limit amount that is the credit limit amount for the business partner in the entire company, and unification of identification of the same business partner in the unified master for causing the control unit to execute A first aggregating step of aggregating the credit amounts in the transaction amount table in units of customer identification individual data associated with the data; credit margin calculation for calculating the amount obtained by subtracting the amount aggregated in the first aggregation step for the transaction partner identification unified data in the limit amount table as the credit margin, which is the credit margin for the transaction partner of the entire group company and a step.

ADVANTAGE OF THE INVENTION According to this invention, it is effective in the ability to calculate the credit margin for each customer in the whole group company which consists of several companies.

FIG. 1 is a block diagram showing an example of the configuration of a credit margin calculation device. FIG. 2 is a diagram illustrating an example of an overview of data linkage. FIG. 3 is a diagram showing an example of a data utilization image (flow when checking an order). FIG. 4 is a diagram showing an example of the limit table. FIG. 5 is a diagram showing an example of a customer master and name identification master. FIG. 6 is a diagram showing an example of a judgment image of credit capacity. FIG. 7 is a diagram showing an example of linked data and an updated limit table.

Embodiments of a credit margin calculation device, a credit margin calculation method, and a credit margin calculation program will be described in detail below with reference to the drawings. It should be noted that the present invention is not limited by this embodiment. Specific configurations and operations will be described below.

[1. Constitution]
An example of the configuration of the credit margin calculation device 100 according to this embodiment will be described with reference to FIG. FIG. 1 is a block diagram showing an example of the configuration of a credit margin calculation device 100. As shown in FIG.

The credit margin calculation device 100 is a commercially available desktop personal computer. Note that the credit reserve calculation device 100 is not limited to a stationary information processing device such as a desktop personal computer, and may be a mobile device such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), a smart phone, or a tablet personal computer. type information processing device.

The credit reserve calculation device 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 margin calculation apparatus 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicably connects the credit reserve calculation 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 another device via a communication line. Here, the network 300 has a function of connecting the credit reserve calculation apparatus 100 and the server 200 so as to be able to communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). Data such as various masters 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 section 108 . The output device 114 can be a monitor (including a home television), a speaker, or a printer. The input device 112 can be a keyboard, a mouse, a microphone, or a monitor that realizes a pointing device function in cooperation with a mouse. Note that, hereinafter, the output device 114 may be referred to as the monitor 114 and the input device 112 may be referred to as the keyboard 112 or the mouse 112 .

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for performing various processes by giving commands to a CPU (Central Processing Unit) in cooperation with an OS (Operating System). As the storage unit 106, for example, memory devices such as RAM (Random Access Memory) and ROM (Read Only Memory), fixed disk devices such as hard disks, flexible disks, and optical disks can be used.

The storage unit 106 includes, for example, a customer master 106a, a name identification master 106b as a unified master, cooperation data 106c as a transaction amount table, and an amount limit table 106d.

According to the credit margin calculation device 100 according to the present embodiment, it is possible to calculate the credit margin for each client for the entire group company composed of a plurality of companies. In the following explanation, it is assumed that the group company consists of the head office, subsidiary A and subsidiary B, and that the business partners are XX, XX, XX Shoji Co., Ltd., and XX Real Estate. , proceed with the explanation.

The customer master 106a is a master for managing the customer individually in each company. In FIG. 5, customer masters 106a for the head office, subsidiary A, and subsidiary B are shown. As shown in FIG. 5, the customer master 106a includes, for example, customer identification individual data (KEY) individually used by each company to identify the customer, and the company name (company name) of the customer. and etc.

As shown in the customer master 106a of FIG. 5, between the head office and subsidiary A, XX Co., Ltd. is managed with KEY 100, XX with KEY 200, XX Commercial with KEY 300, and XX real estate with KEY 400. KEY is common. On the other hand, as shown in the customer master 106a of FIG. The difference is that XX real estate is managed by KEY402. In this way, even though the business partner is the same, if different KEYs are used between the companies to manage the business partner, the amount of claims, etc. cannot be aggregated for each business partner. A name identification master 106b is required for grouping business partners (so-called name identification) by assigning the same code to the destination.

The name identification master 106b is a master for managing the business partners in a unified manner throughout the group companies. As shown in FIG. 5, the name identification master 106b includes, for example, company identification data (company) for identifying the companies that constitute the group companies, and standardized data for the entire group companies for identifying the trading partners. It includes unified data (uniform code) for identifying the customer, the individual data for identifying the customer (KEY), the company name (company name) of the customer, and the like.

In the name identification master 106b of FIG. 5, the head office, subsidiary A, and subsidiary B all have common code 123456789 for XX, unified code 100000001 for XX, unified code 100000002 for XX Shoji, and XX real estate. are managed with the uniform code 100000003, it can be said that the same code is assigned to the same business partner to group the business partners (so-called name identification).

The linked data 106c is data for managing the credit amount, order backlog, debt amount, and collateral amount for each of the trading partners of each of the companies constituting the group companies. As shown in FIG. 7, the linked data 106c includes, for example, the company identification data (company), the supplier identification individual data (KEY), the supplier company name (company name), and the group company. The amount of receivables (credits), which is the amount of receivables from the said company that constitutes the said group company, against the said business partner, and the services or products that the said company that constitutes the said group company provides and that have been ordered from said business partner to said business partner The backlog of orders (backlog), which is the amount of items that have not yet been provided or delivered to the group company; A collateral amount (collateral), which is the amount of collateral taken from the trading partner by the company that constitutes the company, and the like.

The credit limit table 106d is a table for managing credit limits, credit reserves, and the like for each business partner in the entire group company. As shown in FIG. 4, only the credit limit and credit reserve are set in the limit amount table 106d before the aggregation processing according to the present embodiment is performed. Then, when the aggregation process according to the present embodiment is performed, the credit balance, debt collateral, and credit margin in the limit amount table 106d are updated as shown in FIG. As shown in FIG. 7, the credit limit table 106d includes, for example, the unified data for identifying the business partner (unified code), the company name of the business partner (company name), and the credit amount of the business partner as a whole group company. and an amount (credit balance) obtained by subtracting the credit limit amount and the order backlog in the linked data 106c aggregated by the first aggregation unit 102a described later from the credit limit amount (credit limit) , the debt amount and the collateral amount (debt collateral) in the linked data 106c aggregated by the second aggregation unit 102b described later, and the aggregated debt amount and the collateral amount (debt collateral), and credit capacity, etc.

The control unit 102 is a CPU or the like that controls the credit margin calculation device 100 in an integrated manner. The control unit 102 has an internal memory for storing a control program such as an OS, a program defining various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Run.

The control unit 102 functions conceptually, for example, (1) in units of customer identification individual data linked to the same customer identification unified data in the unified master, the amount of claims in the transaction amount table is aggregated; (2) the debt amount and the collateral amount in the transaction amount table in units of customer identification individual data linked to the same customer identification unified data in the unified master; and (3) from the credit limit amount in the limit table, the business partner identification unified data in the limit table linked with the credit limit amount A credit margin calculation unit 102c as credit margin calculation means for calculating the amount obtained by subtracting the amount aggregated by the first aggregation means as the credit margin, which is the credit margin for the business partner of the entire group company; 4) When the credit margin calculated by the credit margin calculation means is 0 yen or more, outputting a determination that the group company as a whole can give credit to the business partner, and a credit determination result output unit 102d as credit determination result output means for outputting a determination that the entire group company cannot give credit to the customer when the credit margin is not 0 yen or more.

The first aggregating unit 102a aggregates claims in the linked data 106c in units of KEYs associated with the same unified code in the name identification master 106b. The first aggregating unit 102a may aggregate the claims and outstanding balances in the linked data 106c in units of KEYs associated with the same unified code in the name identification master 106b.

The second aggregating unit 102b aggregates debts and collaterals in the linked data 106c for each KEY associated with the same unified code in the name identification master 106b.

The credit capacity calculation unit 102c subtracts the amount aggregated by the first aggregation unit 102a for the unified code in the limit table 106d linked to the credit limit from the credit limit in the limit table 106d, It is calculated as the credit margin for customers in In this case, the formula for calculating the credit margin is credit margin=credit limit−credit, or credit margin=credit limit−(credit + outstanding balance).

The credit reserve calculation unit 102c subtracts the amount aggregated by the first aggregation unit 102a for the unified code in the credit limit table 106d linked to the credit limit from the credit limit in the credit limit table 106d. The amount obtained by adding the amount aggregated by the second aggregating unit 102b for the unified code in the limit amount table 106d associated with the above may be calculated as the credit margin for the business partner of the entire group company. In this case, the formula for calculating the credit margin is: credit margin = credit limit - (claim + outstanding balance) + (debt + collateral).

If the credit margin calculated by the credit margin calculation unit 102c is 0 yen or more, the credit determination result output unit 102d outputs a determination (o) indicating that the entire group company can give credit to the customer, and calculates the credit margin. If the credit margin calculated by the unit 102c is not equal to or greater than 0 yen, a determination (x) is output to the effect that the group company as a whole cannot give credit to the business partner.

[2. Overview of processing]
In this section, an outline of processing according to this embodiment will be described.

[2-1. Overview of data linkage]
In the present embodiment, as shown in FIG. 2, the credit management system manages credit/debt/backlog data, collateral/deposit data, business partner data, etc., managed by the accounting/sales system in each of the companies that make up the group companies. Able to cooperate with the system.

[2-2. Data utilization image (flow when checking orders)]
In this embodiment, as shown in FIG. 3, (1) the credit limit is set in the limit table 106d. (2) Considering the expected order amount, check the credit limit for the entire group. Furthermore, (3) the credit limit can be reviewed based on the result of the credit limit check.

[2-3. Judgment image of credit capacity]
In this item, the image of credit capacity judgment is divided into three patterns: (1) no accounts payable, no collateral, (2) accounts payable, no collateral, and (3) accounts payable, with collateral. explain.

First, in the case of (1) the pattern of no accounts payable and no collateral, as shown in FIG. 6, the amount obtained by subtracting the sum of the balance of receivables and backlog of orders from the credit limit is the credit capacity.

Next, (2) In the case of the pattern of accounts payable and no collateral, even if the "sum of outstanding receivables and backlog of orders" exceeds the credit limit, accounts payable (debts) exist against the party with receivables. In such cases, the accounts payable can be regarded as credit capacity. That is, as shown in FIG. 6, the amount obtained by subtracting the sum of the balance of receivables and the backlog of orders from the credit limit amount and adding accounts payable is the credit margin.

Finally, in the case of (3) accounts payable and collateral, even if the "sum of outstanding receivables and backlog of orders" exceeds the credit limit, accounts payable (debt) and If collateral exists, such accounts payable and such collateral may be considered credit capacity. That is, as shown in FIG. 6, the credit margin is the amount obtained by subtracting the sum of the balance of receivables and the backlog of orders from the credit limit amount plus the amount of accounts payable and collateral.

[3. Details of processing]
In this section, the details of the processing according to this embodiment will be described with reference to FIGS. 4, 5 and 7. FIG.

As a first premise of the description in this section, it is assumed that the contents of the customer master 106a and the name identification master 106b are as shown in FIG.

Also, as a second premise of the description in this item, the contents of the linked data 106c are assumed to be as shown in FIG. That is, as shown in records A and B in FIG. 7, the head office (company 100) has transaction amount information for XX and XX Shoji, which are business partners, and subsidiary A (company 101) has transaction amount information for XX and XX real estate, which are business partners, as shown in records C and D of FIG. 7, and subsidiary B (company 102) has record E As shown in ~G, it is assumed that transaction amount information for XX, XX real estate, and XX Co., Ltd., which are business partners, is provided.

As a third premise of the description in this item, the contents of the limit amount table 106d are as shown in FIG. That is, the credit limit for the entire group company (headquarters, subsidiary A, and subsidiary B) is 10,000,000 yen for XX Co., Ltd., and the credit limit for XX is 50,000 yen for the entire group company. 1,000,000 yen, the credit limit for the trading partner of the entire group company: XX Trading is 20,000,000 yen, and the credit limit for the trading partner of the entire group company: XX real estate is 10,000,000 yen. .

In the case that the above three premises exist, the trading partner of the entire group company: credit capacity for XX, the trading partner of the entire group company: credit capacity of XX Shoji, the trading partner of the entire group company: XX An example of calculating the credit margin for real estate and the credit margin for the business partner of the entire group company: XX will be described.

[3-1. Business partners of the entire group company: Calculation of credit capacity for XX]
First, referring to the name identification master 106b in FIG.

In this case, the first aggregating unit 102a aggregates claims and balances received in the record A with KEY 200, record C with KEY 200, and record E with KEY 202 from the linked data 106c of FIG. That is, the first aggregating unit 102a calculates (30,000,000 yen receivables of record A + 10,000,000 yen outstanding of record A) + (2,000,000 yen receivables of record C) + (5,000,000 yen receivables of record E + 5,000,000 yen receivable of record E Receipt balance 4,000,000 yen) = 51,000,000 yen.

Further, the second aggregating unit 102b aggregates debts and collaterals in records for record A having KEY 200, record C having KEY 200, and record E having KEY 202 from the linked data 106c of FIG. That is, the second aggregation unit 102b aggregates (3,000,000 yen in debt of record A) + (5,000,000 yen in debt of record C) + (2,000,000 yen in debt of record E) = 10,000,000 yen.

Subsequently, the credit reserve calculation unit 102c calculates the credit reserve for the trading partner XX in the entire group companies as follows. That is, in the limit amount table 106d of FIG. 7, the unified code associated with the credit limit of 50,000,000 yen is 100000001, the amount aggregated by the first aggregation unit 102a for the unified code 100000001 is 51,000,000 yen, and the unified code 100000001 is The amount of money aggregated by the second aggregation unit 102b is 10,000,000 yen. In this case, the credit reserve calculation unit 102c subtracts the amount of 51,000,000 yen aggregated by the first aggregation unit 102a from the credit limit of 50,000,000 yen as the credit balance, as shown in record B of the limit amount table 106d of FIG. Calculate the amount -1,000,000 yen. In addition, as shown in record B of the limit amount table 106d of FIG. 7, the credit reserve calculation unit 102c adds the amount of 10,000,000 yen aggregated by the second aggregation unit 102b to the reduced amount of minus 1,000,000 yen as the credit reserve. Calculate the added amount of 9,000,000 yen. The calculated 9,000,000 yen will be the credit margin for the customer: XX for the entire group company.

Finally, the credit determination result output unit 102d determines that the credit reserve of 9,000,000 yen calculated by the credit reserve calculation unit 102c is 0 yen or more, so that the entire group company can provide credit to the customer: XX ( The credit judgment "○" in the record B of the limit amount table 106d of FIG. 7) is output.

[3-2. Business partners of the entire group company: Calculation of credit capacity for XX Shoji]
First, referring to the name identification master 106b in FIG.

In this case, the first aggregating unit 102a aggregates the claims and outstanding balance in the record for the record B having the KEY300 from the linked data 106c of FIG. That is, the first aggregation unit 102a aggregates (3,000,000 yen outstanding of record B)=3,000,000 yen.

Further, the second aggregation unit 102b aggregates obligations and collaterals in the record for record B having KEY300 from the linked data 106c of FIG. That is, the second aggregation unit 102b aggregates (2,000,000 yen in debt of record B + 1,000,000 yen in collateral of record B) = 3,000,000 yen.

Subsequently, the credit reserve calculation unit 102c calculates the credit reserve for the trading partner XX Shoji in the entire group companies as follows. That is, in the limit amount table 106d of FIG. 7, the unified code associated with the credit limit of 20,000,000 yen is 100000002, the amount consolidated by the first aggregation unit 102a for the unified code 100000002 is 3,000,000 yen, and the unified code 100000002 is The amount of money aggregated by the second aggregation unit 102b is 3,000,000 yen. In this case, the credit reserve calculation unit 102c subtracts the amount of 3,000,000 yen aggregated by the first aggregation unit 102a from the credit limit of 20,000,000 yen as the credit balance, as shown in record C of the limit amount table 106d of FIG. Calculate the amount of 17,000,000 yen. In addition, the credit reserve calculation unit 102c adds the amount of 3,000,000 yen aggregated by the second aggregation unit 102b to the reduced amount of 17,000,000 yen as the credit reserve, as shown in record C of the limit amount table 106d of FIG. Calculate the amount of 20,000,000 yen. The calculated 20,000,000 yen will be the credit capacity for the trading partner of the entire group company: XX Shoji.

Finally, the credit determination result output unit 102d determines that the credit reserve of 20,000,000 yen calculated by the credit reserve calculation unit 102c is 0 yen or more, so that the group company as a whole can extend credit to the customer: XX Shoji. (Credit judgment "○" in record C of limit table 106d in FIG. 7) is output.

[3-3. Business partners of the entire group company: Calculation of credit capacity for XX real estate]
First, referring to the name identification master 106b in FIG.

In this case, the first aggregating unit 102a aggregates claims and balances in the records for record D with KEY 400 and record F with KEY 402 from the linked data 106c of FIG. That is, the first aggregating unit 102a aggregates (4,000,000 yen of receivables of record D + 15,000,000 yen of outstanding balance of record D) = 19,000,000 yen.

Further, the second aggregating unit 102b aggregates debts and collaterals in records for record D having KEY 400 and record F having KEY 402 from the linked data 106c of FIG. That is, the second aggregation unit 102b aggregates (5,000,000 yen collateral for record D) + (3,000,000 yen debt for record F) = 8,000,000 yen.

Subsequently, the credit reserve calculation unit 102c calculates the credit reserve for the trading partner: XX real estate of the entire group company as follows. That is, in the limit amount table 106d of FIG. 7, the unified code associated with the credit limit of 10,000,000 yen is 100000003, the amount aggregated by the first aggregation unit 102a for the unified code 100000003 is 19,000,000 yen, and the unified code 100000003 is The amount of money aggregated by the second aggregation unit 102b is 8,000,000 yen. In this case, the credit reserve calculation unit 102c subtracts the amount of 19,000,000 yen aggregated by the first aggregation unit 102a from the credit limit of 10,000,000 yen as the credit balance, as shown in record D of the limit amount table 106d of FIG. Calculate the amount -9,000,000 yen. In addition, as shown in the record D of the limit table 106d of FIG. 7, the credit reserve calculation unit 102c adds the amount of 8,000,000 yen aggregated by the second aggregation unit 102b to the reduced amount of -9,000,000 yen as the credit reserve. Calculate -1,000,000 yen, which is the added amount. The calculated -1,000,000 yen will be the credit capacity for the transaction partner: XX real estate for the entire group company.

Finally, the credit determination result output unit 102d determines that the credit margin -1,000,000 yen calculated by the credit margin calculation unit 102c is not equal to or greater than 0 yen. The determination (credit determination "x" in record D of limit table 106d of FIG. 7) is output.

[3-4. Business partner of the entire group company: Calculation of credit capacity for XX Co., Ltd.]
First, referring to the name identification master 106b in FIG.

In this case, the first aggregating unit 102a aggregates the claims and outstanding balance in the record for the record G having the KEY 100 from the linked data 106c of FIG. That is, the first aggregating unit 102a aggregates (9,000,000 yen in claims of record G)=9,000,000 yen.

Further, the second aggregation unit 102b aggregates obligations and collaterals in the record for the record G having KEY100 from the linked data 106c of FIG. That is, since the debt and collateral in the record G are 0 yen, the second aggregation unit 102b aggregates 0,000 yen.

Next, the credit reserve calculation unit 102c calculates the credit reserve for the trading partner of the entire group companies: XX Corporation as follows. That is, in the limit amount table 106d of FIG. 7, the unified code associated with the credit limit of 10,000,000 yen is 12,345,6789, the amount consolidated by the first aggregation unit 102a for the unified code 12,345,6789 is 9,000,000 yen, and the unified code 12,345,6789 is The amount of money aggregated by the second aggregation unit 102b is 0,000 yen. In this case, the credit reserve calculation unit 102c subtracts the amount of 9,000,000 yen aggregated by the first aggregation unit 102a from the credit limit of 10,000,000 yen as the credit balance, as shown in record A of the limit amount table 106d of FIG. Calculate the amount of 1,000,000 yen. In addition, as shown in record A of the limit amount table 106d of FIG. 7, the credit reserve calculation unit 102c adds the amount of 0 thousand yen aggregated by the second aggregation unit 102b to the reduced amount of 1,000 thousand yen as the credit reserve. Calculate the amount of 1,000,000 yen. The calculated 1,000,000 yen will be the credit capacity for the business partner of the entire group company: XX Corporation.

Finally, the credit determination result output unit 102d determines that the credit margin of 1,000,000 yen calculated by the credit margin calculation unit 102c is 0 yen or more, so that the group companies as a whole can extend credit to the customer: XX Corporation. The judgment (credit judgment “◯” in record A of limit table 106d in FIG. 7) is output.

[4. Summary of this embodiment]
As described above, according to the credit margin calculation device 100 according to the present embodiment, it is possible to calculate the credit margin for each client for the entire group company composed of a plurality of companies.

Here, in the conventional credit balance management, since the credit limit and credit balance were managed for each group company, it was not possible to visualize the credit limit and credit balance for each business partner throughout the group. In addition, in the past, there was a restriction that even the same business partner was managed with a different customer number for each group company. It was necessary to aggregate the credits, debts, and collaterals, and to aggregate the credit balance.

If the credit balance is not tallied correctly, there is a risk that the group will sell excessively to specific business partners and the receivables will increase. was there.

Therefore, in the present embodiment, for example, based on "name identification information of business partners within the group company" and "claims, obligations and collateral information of each business partner from each group company", By adding debt information and collateral information in addition to the credit balance, it is possible to make a detailed trial calculation of the credit capacity.

As a result, for example, the credit capacity of the entire company (whole group) can be visualized, and the risk of bad debt can be reduced.

[5. Other embodiments]
The present invention may be implemented in various different embodiments other than the embodiments described above 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 manually performed, or all of the processes described as being manually performed Alternatively, some can be done automatically by known methods.

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

Also, with respect to the credit margin calculation device 100, each component shown in the figure is functionally conceptual, and does not necessarily need to be physically configured as shown in the figure.

For example, the processing functions of the credit margin calculation device 100, particularly the processing functions performed by the control unit, are implemented in whole or in part by a CPU and a program interpreted and executed by the CPU. Alternatively, it may be implemented as hardware using wired logic. In addition, the program is recorded on a non-temporary computer-readable recording medium containing programmed instructions for causing the information processing apparatus to execute the processing described in this embodiment. It is read mechanically by the device 100 . That is, a storage unit such as a ROM or HDD (Hard Disk Drive) stores a computer program for giving commands to the CPU in cooperation with the OS to perform various processes. This computer program is executed by being loaded into the RAM and constitutes a control section in cooperation with the CPU.

In addition, this computer program may be stored in an application program server connected to the credit margin calculation apparatus 100 via any network, and it is possible to download all or part of it as necessary. is.

Also, the 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 term "recording medium" refers to memory cards, USB (Universal Serial Bus) memories, SD (Secure Digital) cards, flexible disks, magneto-optical disks, ROMs, EPROMs (Erasable Programmable Read Only Memory), EEPROMs (registered (trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), DVD (Digital Versatile Disk), and Disc (registered trademark) such as Blu- shall include any "portable physical medium".

A "program" is a data processing method written in any language or writing method, regardless of the format such as source code or binary code. In addition, the "program" is not necessarily limited to a single configuration, but is distributed as multiple modules or libraries, or cooperates with a separate program represented by the OS to achieve its function. including things. It should be noted that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium in each device shown in the embodiments, the installation procedure after reading, and the like.

The various databases stored in the storage unit are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks. It stores programs, tables, databases, files for web pages, and so on.

Further, the credit margin calculation 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 any peripheral device is connected. Further, the credit margin calculation device 100 may be implemented by installing software (including programs, data, or the like) that causes the device to implement the processing described in the present embodiment.

Furthermore, the specific forms of distribution and integration of devices are not limited to those shown in the figures, and all or part of them can be functionally or physically arranged in arbitrary units according to various additions or functional loads. It can be distributed and integrated. In other words, the embodiments described above may be arbitrarily combined and implemented, or the embodiments may be implemented selectively.

INDUSTRIAL APPLICABILITY The present invention is useful, for example, in a group company composed of a plurality of companies, and is extremely useful especially when the number of the plurality of companies is large.

100 credit reserve calculation device 102 control unit
102a first aggregation unit
102b second aggregation unit
102c credit margin calculator
102d credit determination result output unit 104 communication interface unit 106 storage unit
106a Customer master
106b name identification master
106c federation data
106d limit table 108 input/output interface unit 112 input device 114 output device 200 server 300 network

Claims (5)

A credit margin calculation device that includes a control unit and a storage unit and calculates the credit margin for each business partner in the entire group company composed of a plurality of companies,
The storage unit contains
a unified master containing supplier identification unified data used uniformly by the entire group company to identify the supplier and supplier identification individual data used individually by each of the companies to identify the supplier; ,
a transaction amount table including individual data for identifying a business partner, an amount of claim that is the amount of the company's claim to the business partner, and an amount of debt that is the amount of the company's liability to the business partner;
a credit limit table including business partner identification unified data and a credit limit amount that is the credit limit for the business partner in the entire group company;
is stored and
The control unit
a first aggregating means for aggregating the receivable amount in the transaction amount table in units of customer identification individual data linked with the same customer identification unified data in the unified master;
a second aggregation means for aggregating the debt amount in the transaction amount table in units of supplier identification individual data linked with the same supplier identification unified data in the unified master;
The amount obtained by subtracting the amount aggregated by the first aggregation means for the unified business partner identification data in the limit table associated with the credit limit from the credit limit in the limit table, and the credit limit The amount obtained by adding the amount aggregated by the second aggregation means with respect to the unified data for identifying business partners in the limit amount table linked to the amount is used as the credit capacity that is the credit capacity of the entire group company to the business partner. credit margin calculating means for calculating;
to provide
A credit margin calculation device characterized by: The transaction amount table further includes an order backlog, which is the amount of services or products provided by the company that have been ordered from the business partner but have not yet been provided or delivered to the business partner,
The first aggregation means is
Aggregating the receivable amount and the backlog of orders in the transaction amount table in units of supplier identification individual data linked with the same supplier identification unified data in the unified master,
The credit margin calculation device according to claim 1, characterized by: The control unit
when the credit margin calculated by the credit margin calculation means is 0 yen or more, outputting a determination that the group company as a whole can give credit to the trading partner, and the credit margin calculated by the credit margin calculation means; is not equal to or greater than 0 yen, further comprising a credit determination result output means for outputting a determination to the effect that credit cannot be given to the business partner by the entire group company;
3. The credit margin calculation device according to claim 1 or 2, characterized by: A credit margin calculation method for calculating a credit margin for each business partner in an entire group company composed of a plurality of companies, which is executed by an information processing device including a control unit and a storage unit,
The storage unit contains
a unified master containing supplier identification unified data used uniformly by the entire group company to identify the supplier and supplier identification individual data used individually by each of the companies to identify the supplier; ,
a transaction amount table including individual data for identifying a business partner, an amount of claim that is the amount of the company's claim to the business partner, and an amount of debt that is the amount of the company's liability to the business partner;
a credit limit table including business partner identification unified data and a credit limit amount that is the credit limit for the business partner in the entire group company;
is stored and
executed by the control unit;
a first aggregating step of aggregating the credit amounts in the transaction amount table in units of customer identification individual data linked with the same customer identification unified data in the unified master;
a second aggregating step of aggregating the debt amounts in the transaction amount table in units of supplier identification individual data linked with the same supplier identification unified data in the unified master;
The amount obtained by subtracting the amount aggregated in the first aggregation step for the unified business partner identification data in the limit table associated with the credit limit from the credit limit in the limit table, and the credit limit The amount obtained by adding the amount aggregated in the second aggregation step with respect to the unified data for identifying business partners in the limit amount table linked to the amount is used as the credit capacity that is the credit capacity of the entire group company to the business partner. a credit margin calculation step to calculate;
including
A credit margin calculation method characterized by: A credit margin calculation program for calculating a credit margin for each business partner in an entire group company composed of a plurality of companies, to be executed by an information processing device having a control unit and a storage unit,
The storage unit contains
a unified master containing supplier identification unified data used uniformly by the entire group company to identify the supplier and supplier identification individual data used individually by each of the companies to identify the supplier; ,
a transaction amount table including individual data for identifying a business partner, an amount of claim that is the amount of the company's claim to the business partner, and an amount of debt that is the amount of the company's liability to the business partner;
a credit limit table including business partner identification unified data and a credit limit amount that is the credit limit for the business partner in the entire group company;
is stored and
for causing the control unit to execute
a first aggregating step of aggregating the credit amounts in the transaction amount table in units of customer identification individual data linked with the same customer identification unified data in the unified master;
a second aggregating step of aggregating the debt amounts in the transaction amount table in units of supplier identification individual data linked with the same supplier identification unified data in the unified master;
The amount obtained by subtracting the amount aggregated in the first aggregation step for the unified business partner identification data in the limit table associated with the credit limit from the credit limit in the limit table, and the credit limit The amount obtained by adding the amount aggregated in the second aggregation step with respect to the unified data for identifying business partners in the limit amount table linked to the amount is used as the credit capacity that is the credit capacity of the entire group company to the business partner. a credit margin calculation step to calculate;
including
A credit margin calculation program characterized by:

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