JP2024072560A - Loan management device, loan management method, and loan management program - Google Patents

Abstract

[Problem] The objective of the present invention is to provide a loan management device, a loan management method, and a loan management program that are capable of simulating the calculation of the full repayment amount on a desired full repayment date for a specified small loan, taking into account the presence or absence of contractual repayments on those contractual repayment dates up to the desired full repayment date. [Solution] A simulation request is obtained that sets the full repayment date and the presence or absence of repayments on those contractual repayment dates up to the full repayment date, and the simulated full repayment amount on the full repayment date for the small loan is calculated based on the contract data, log data, and the simulation request. [Selected Figure] Figure 3

Description

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

Patent document 1 discloses a configuration that shows a simulation of the repayment of a relatively long-term, large loan, such as a home loan or car loan, in which the remaining loan amount at a given point in time is repaid in full.

JP 2017-188111 A

However, the invention described in Patent Document 1 above cannot take into account whether or not repayment will be made on the deduction dates between now and the desired full repayment date, and cannot perform a calculation simulation by switching between the interest amount and the full repayment amount on the desired full repayment date. This means that the debtor cannot accurately plan his/her finances, which can lead to late payments and bad debts.

The present invention has been made in consideration of the above problems, and aims to provide a loan management device, a loan management method, and a loan management program that can perform a simulation to calculate the full repayment amount on the desired full repayment date, taking into account whether or not there will be any scheduled repayments on the scheduled repayment dates up to the desired full repayment date for a specified small loan.

In order to solve the above-mentioned problems and achieve the object, the loan management device of the present invention is a loan management device equipped with a memory unit and a control unit, the memory unit is equipped with a contract storage means for storing contract data that sets the loan amount, loan interest rate, and contract repayment date of a small loan, and a log storage means for storing log data that is set in association with a transaction date including the contract repayment date and the loan balance, and the control unit is equipped with a request acquisition means for acquiring a simulation request that sets the full repayment date and whether or not repayment will be made on the contract repayment date up to the full repayment date, and a simulation means for calculating a simulated full repayment amount on the full repayment date of the small loan based on the contract data, the log data, and the simulation request.

In the loan management device according to the present invention, the control unit further includes a billing acquisition means for acquiring billing confirmation data that sets the billing amount for the scheduled repayment dates up to the full repayment date, and the simulation means calculates the interest appropriation amount for the scheduled repayment date if there is a repayment on the scheduled repayment date up to the full repayment date based on the billing confirmation data, the contract data, the log data, and the simulation request, calculates the new loan balance by subtracting the billing amount from the sum of the loan balance and the interest appropriation amount, acquires the loan balance on the scheduled repayment date immediately before the full repayment date as the principal repayment amount with deposit, calculates the interest repayment amount on the full repayment date, and calculates the sum of the principal repayment amount with deposit and the interest repayment amount as the full repayment amount with deposit.

In addition, in the loan management device according to the present invention, the simulation means, based on the billing confirmation data, the contract data, the log data, and the simulation request, if there is a repayment on the scheduled repayment date up to the full repayment date, acquires the log data in which the latest scheduled repayment date is set as simulation log data, calculates the interest appropriation amount on the scheduled repayment date set in the simulation log data, updates the simulation log data by calculating the sum of the loan balance and the interest appropriation amount minus the billing amount as the new loan balance, acquires the loan balance on the scheduled repayment date closest to the full repayment date as the principal repayment amount with deposit, calculates the interest repayment amount on the full repayment date, and calculates the sum of the principal repayment amount with deposit and the interest repayment amount as the full repayment amount with deposit.

In addition, in the loan management device according to the present invention, the simulation means, based on the contract data, the log data, and the simulation request, if there is no repayment on the scheduled repayment date up to the full repayment date, obtains the loan balance as the principal-free repayment amount, calculates the interest-free repayment amount on the full repayment date, and calculates the sum of the principal-free repayment amount and the interest-free repayment amount as the full repayment amount.

In the loan management device according to the present invention, the simulation means further obtains the loan balance as a principal-free repayment amount if there is no repayment on the scheduled repayment date up to the full repayment date based on the billing confirmation data, the contract data, the log data, and the simulation request, calculates the interest-free repayment amount on the full repayment date, calculates the sum of the principal-free repayment amount and the interest-free repayment amount as the full repayment amount without deposit, and obtains a comparison result between the full repayment amount with deposit and the full repayment amount without deposit.

In addition, in the loan management device according to the present invention, the simulation means is further characterized in that it displays a billing amount inquiry screen in which the simulated full repayment amount is set.

In addition, in the loan management device according to the present invention, the request acquisition means displays a billing amount inquiry screen on which the full repayment date and the scheduled repayment dates up to the full repayment date can be set to indicate whether or not repayment will be made, and acquires the simulation request.

The loan management method according to the present invention is a loan management method to be executed by a loan management device having a memory unit and a control unit, the memory unit having a contract storage means for storing contract data that sets the loan amount, loan interest rate, and contract repayment date of a small loan, and a log storage means for storing log data that is set by linking a transaction date including the contract repayment date and the loan balance, and is characterized in that it includes a request acquisition step executed by the control unit for acquiring a simulation request that sets the full repayment date and whether or not repayment will be made on the contract repayment date up to the full repayment date, and a simulation step for calculating a simulated full repayment amount on the full repayment date of the small loan based on the contract data, the log data, and the simulation request.

The loan management program according to the present invention is a loan management program to be executed by a loan management device having a memory unit and a control unit, the memory unit having a contract storage means for storing contract data that sets the loan amount, loan interest rate, and contract repayment date of a small loan, and a log storage means for storing log data that is set in association with a transaction date including the contract repayment date and the loan balance, and the control unit executes a request acquisition step for acquiring a simulation request that sets the full repayment date and whether or not repayment will be made on the contract repayment date up to the full repayment date, and a simulation step for calculating a simulated full repayment amount on the full repayment date of the small loan based on the contract data, the log data, and the simulation request.

According to the present invention, the debtor can accurately grasp the future full repayment amount, so that the needs for the debtor's financial planning can be met. In addition, according to the present invention, the debtor can accurately make a financial plan, which leads to preventing late payment and bad debts, so that the recovery rate of loans and interest can be improved. In addition, according to the present invention, while responding to the needs of the debtor, the creditor (finance company) can prevent the risk of bad debts, and contribute to the management effect of the creditor. In addition, according to the present invention, from the viewpoint of the finance company, it is possible to provide a mechanism for executing personal loan management to properly collect interest, which is a source of revenue. In addition, according to the present invention, the debtor can accurately grasp the future full repayment amount, so that the needs for the debtor's financial planning can be met. In addition, according to the present invention, when there is an agreement repayment date before the full repayment date, it is possible to switch the designation to treat it as if a deposit was made/not made on the agreement repayment date and perform a simulation. Furthermore, according to the present invention, by virtually storing a transaction log and virtually updating the transaction log for the deposit transaction processing on the contract date, it is possible to use the updated transaction log data to simulate the full repayment amount on the specified date (full repayment date).

FIG. 1 is a diagram showing an example of a simulation schedule in this embodiment. FIG. 2 is a diagram showing an example of a simulation schedule in this embodiment. FIG. 3 is a block diagram showing an example of the configuration of the loan management device according to this embodiment. FIG. 4 is a flowchart showing an example of the process of the loan management apparatus in this embodiment. FIG. 5 is a diagram showing an example of a loan management process in this embodiment. FIG. 6 is a diagram showing an example of a loan management process in this embodiment. FIG. 7 is a diagram showing an example of a loan management process in this embodiment. FIG. 8 is a diagram showing an example of a loan management process in this embodiment. FIG. 9 is a diagram showing an example of a loan management process in this embodiment. FIG. 10 is a diagram showing an example of a loan management process in this embodiment. FIG. 11 is a diagram showing an example of a loan management process in this embodiment.

An embodiment of the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to this embodiment.

[1. Overview]
First, an overview of the present invention will be described with reference to Figures 1 and 2. Figures 1 and 2 are diagrams showing an example of a simulation schedule in this embodiment.

In the money lending industry, small loans to individuals have become more popular, and when full repayment is made after the next repayment date, there is a growing need to know the full repayment amount when the account is debited on the next repayment date.

However, previously, if there was a deduction date between now and the full repayment date, the calculated full repayment amount on the full repayment date did not take the deduction date into account, and the logic for calculating interest from the deduction date to the full repayment date was not established as a function.

The full repayment amount calculation simulation function in this embodiment provides a mechanism that allows for a calculation simulation of the full repayment amount as of a specified date, and for two cases where there is a scheduled repayment date (withdrawal date) by the specified date and there is or is not a scheduled repayment.

As shown in FIG. 1, in this embodiment, if the full repayment date, which is the date on which the debtor wishes to repay the full amount, is before the withdrawal date, the full repayment amount is calculated without any deposit being made until the full repayment date.

Also, as shown in FIG. 2, in this embodiment, if the full repayment date is after the withdrawal date, it is possible to select whether or not a deposit will be made on the withdrawal date, and the full repayment amount is calculated to reflect that selection.

2. Configuration
An example of the configuration of the loan management device 100 according to this embodiment will be described with reference to Fig. 3. Fig. 3 is a block diagram showing an example of the configuration of the loan management device 100 according to this embodiment.

As shown in FIG. 3, the loan management device 100 is a commercially available desktop personal computer. Note that the loan management device 100 is not limited to a stationary information processing device such as a desktop personal computer, but may be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

The loan management device 100 includes a control unit 102, a communication interface unit 104, a memory unit 106, and an input/output interface unit 108. Each unit of the loan management device 100 is connected to each other so as to be able to communicate with each other via any communication path.

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

An input device 112 and an output device 114 are connected to the input/output interface unit 108. The output device 114 may be a monitor (including a touch panel), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that works with a mouse to provide a pointing device function. In the following, the output device 114 may be referred to as the monitor 114 or the printer 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 records computer programs that work with the OS (Operating System) to give commands to the CPU (Central Processing Unit) to perform various processes. The storage unit 106 can be, 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, or an optical disk. The storage unit 106 includes a contract database 106a and a log database 106b.

The contract database 106a stores contract data for small loans. Here, the contract database 106a may store contract data that sets the contract number, loan amount, loan interest rate, and scheduled repayment date for the small loan.

The log database 106b stores log data for small loans. Here, the log database 106b may store log data that is linked to the transaction date, including the scheduled repayment date, of the small loan, and the loan balance. Here, the log data may include the contract number, serial number, data category, transaction date, loan amount, loan interest rate, principal allocation amount, interest allocation amount, and loan balance.

The control unit 102 is a CPU or the like that performs overall control of the loan management device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processing based on these stored programs. In terms of functional concept, the control unit 102 includes a request acquisition unit 102a, a request acquisition unit 102b, and a simulation unit 102c.

The billing acquisition unit 102a acquires billing data for small loans. Here, the billing acquisition unit 102a may acquire billing confirmation data that sets the billing amount for the contract repayment date up to the full repayment date of the small loan. Here, the billing confirmation data may be set in such a way that the contract number, billing date, and billing amount are linked together. The billing acquisition unit 102a may also acquire deduction request data for small loans. Here, the deduction request data may be set in such a way that the customer number, contract repayment date, and billing amount are linked together.

The request acquisition unit 102b acquires a simulation request for loan repayment. Here, the request acquisition unit 102b may acquire a simulation request that sets the full repayment date and whether or not repayment will be made on the contracted repayment dates up to the full repayment date. The request acquisition unit 102b may also acquire a simulation request by displaying a billing amount inquiry screen that allows the user to set the full repayment date and whether or not repayment will be made on the contracted repayment dates up to the full repayment date.

The simulation unit 102c calculates the simulated full repayment amount on the full repayment date of the small loan based on the contract data, log data, and simulation request. Here, the simulation unit 102c may calculate the simulated full repayment amount on the full repayment date of the small loan based on the contract data, log data, and simulation request. In addition, the simulation unit 102c may calculate the interest appropriation amount on the contract repayment date when there is a repayment or non-repayment on the contract repayment date up to the full repayment date based on the billing confirmation data, contract data, log data, and simulation request, calculate the amount obtained by subtracting the billing amount from the total of the loan balance and the interest appropriation amount as the new loan balance, obtain the loan balance on the contract repayment date immediately before the full repayment date as the principal repayment amount with deposit, calculate the interest repayment amount on the full repayment date, and calculate the sum of the principal repayment amount with deposit and the interest repayment amount as the full repayment amount with deposit. In addition, based on the billing confirmation data, contract data, log data, and simulation request, if there is a repayment or not on the contracted repayment date up to the full repayment date, the simulation unit 102c may acquire the log data with the most recent contracted repayment date set as simulation log data, calculate the interest appropriation amount on the contracted repayment date set in the simulation log data, update the simulation log data by calculating the new loan balance as the sum of the loan balance and the interest appropriation amount minus the billing amount, acquire the loan balance on the contracted repayment date closest to the full repayment date as the principal repayment amount with deposit, calculate the interest repayment amount on the full repayment date, and calculate the sum of the principal repayment amount with deposit and the interest repayment amount as the full repayment amount with deposit. Also, the simulation unit 102c may obtain the loan balance as the no-deposit principal repayment amount, calculate the no-deposit interest repayment amount on the full repayment date, and calculate the sum of the no-deposit principal repayment amount and the no-deposit interest repayment amount as the no-deposit full repayment amount, based on the contract data, the log data, and the simulation request, when there is no repayment on the contract repayment date until the full repayment date, based on the billing confirmation data, the contract data, the log data, and the simulation request, obtain the loan balance as the no-deposit principal repayment amount, calculate the no-deposit interest repayment amount on the full repayment date, calculate the sum of the no-deposit principal repayment amount and the no-deposit interest repayment amount as the no-deposit full repayment amount, and obtain the comparison result between the no-deposit full repayment amount and the no-deposit full repayment amount. Also, the simulation unit 102c may display a billing amount inquiry screen in which the simulation full repayment amount is set. The simulation unit 102c may also display a billing amount inquiry screen that sets the results of a comparison between the full repayment amount with deposit and the full repayment amount without deposit.

3. Specific Examples
A specific example of this embodiment will be described with reference to FIGS.

[Loan Management Processing]
An example of a loan management process in this embodiment will now be described with reference to Fig. 4. Fig. 4 is a flowchart showing an example of a process of the loan management device 100 in this embodiment.

As shown in FIG. 4, the request acquisition unit 102b displays on the output device 114 a billing amount inquiry screen on which the user can set the full repayment date and whether or not repayment will be made on the scheduled repayment dates up to the full repayment date via the input device 112, and acquires a simulation request that sets the full repayment date and whether or not repayment will be made on the scheduled repayment dates up to the full repayment date (step SA-1).

Then, the simulation unit 102c determines whether the simulation request is set to include repayment on the scheduled repayment dates up to the full repayment date (step SA-2).

Then, if the simulation unit 102c determines that the simulation request has been set to indicate whether or not there will be repayment on the scheduled repayment dates up to the full repayment date (step SA-2: Yes), it transitions the process to step SA-3.

Then, the simulation unit 102c acquires the log data stored in the log database 106b and the log data in which the most recent contractual repayment date is set based on the simulation request as simulation log data (step SA-3).

Then, the simulation unit 102c calculates the interest appropriation amount on the scheduled repayment date set in the simulation log data based on the billing confirmation data acquired by the billing acquisition unit 102a and the contract data stored in the contract database 106a, and updates the simulation log data by calculating the new loan balance as the sum of the loan balance and the interest appropriation amount minus the billing amount (step SA-4).

Then, based on the billing confirmation data acquired by the billing acquisition unit 102a, the contract data stored in the contract database 106a, and the simulation request, the simulation unit 102c acquires the loan balance on the scheduled repayment date immediately preceding the full repayment date as the principal repayment amount with deposit, calculates the interest repayment amount on the full repayment date, and calculates the sum of the principal repayment amount with deposit and the interest repayment amount as the full repayment amount with deposit (step SA-5).

Then, the simulation unit 102c displays the billing amount inquiry screen on the output device 114, in which the full repayment amount with deposit is set (step SA-6), and ends the process.

On the other hand, if the simulation unit 102c determines that the simulation request has been set to "no repayment" on the scheduled repayment dates up to the full repayment date (step SA-2: No), it transitions the process to step SA-7.

Then, based on the billing confirmation data acquired by the billing acquisition unit 102a, the contract data stored in the contract database 106a, the log data stored in the log database 106b, and the simulation request, the simulation unit 102c acquires the loan balance as the principal-free repayment amount, calculates the interest-free repayment amount on the full repayment date, and calculates the sum of the principal-free repayment amount and the interest-free repayment amount as the full repayment amount (step SA-7).

Then, the simulation unit 102c displays the billing amount inquiry screen with the full repayment amount without payment set on the output device 114 (step SA-8), and ends the process.

Now, an example of a loan management process with deposit in this embodiment will be described with reference to Figures 5 to 8. Figures 5 to 8 are diagrams showing an example of a loan management process in this embodiment.

As shown in Figures 5 and 6, in this embodiment, when a user specifies 2022/4/20 as the full repayment date via the billing inquiry screen and selects "with deposit simulation" as the deposit availability, (1) as a simulation log data generation process, the log data with the largest log SEQ (the most recent transaction) is obtained as simulation log data. Here, the "data category" in this embodiment may be a category that holds the type of transaction.

As shown in FIG. 7, in this embodiment, the next scheduled repayment date: 4/5/2022 and the repayment amount: 40,000 yen are identified from the billing confirmation data. Note that in this embodiment, if the billing confirmation data cannot be obtained, the billing amount set in the withdrawal request data is identified as the repayment amount. As shown in FIG. 5 and FIG. 7, in this embodiment, (2) as a deposit simulation, the simulation log data is updated assuming that a repayment will occur on the scheduled repayment date. Here, as shown in FIG. 7, in this embodiment, the billing confirmation data identifies the repayment amount as 40,000 yen.

As shown in Figures 5 and 8, in this embodiment, (3) a billing amount calculation simulation is performed to calculate the billing amount in the case of repayment on April 20, 2022, from the simulation log data updated in (2).

As shown in FIG. 5, in this embodiment, the repayment amount calculated by the billing amount calculation is displayed on the billing amount inquiry screen.

Furthermore, an example of a deposit-free loan management process in this embodiment will be described with reference to Figures 9 to 11. Figures 9 to 11 are diagrams showing an example of a loan management process in this embodiment.

As shown in Figures 9 and 10, in this embodiment, when the user specifies 2022/4/20 as the full repayment date via the billing inquiry screen and selects "No deposit simulation" as the deposit availability, (1) the log data acquisition process acquires the log data with the largest log SEQ (the most recent transaction).

As shown in Figures 9 and 11, in this embodiment, (2) a billing amount calculation simulation is performed to calculate the billing amount in the case of repayment on April 20, 2022, from the log data in (1).

As shown in FIG. 9, in this embodiment, the repayment amount calculated by the billing amount calculation is displayed on the billing amount inquiry screen.

[4. Contribution to the United Nations-led Sustainable Development Goals (SDGs)]
This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby making it possible to contribute to goals 8 and 9 of the SDGs.

In addition, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, which can contribute to the achievement of SDGs goals 12, 13, and 15.

In addition, this embodiment can contribute to strengthening control and governance, making it possible to contribute to Goal 16 of the SDGs.

5. Other embodiments
The present invention may be embodied in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

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

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

Furthermore, with regard to the loan management device 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, the processing functions of the loan management device 100, particularly the processing functions performed by the control unit 102, may be realized in whole or in part by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware using wired logic. The program is recorded on a non-transient computer-readable recording medium that contains programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the loan management device 100 as necessary. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM, and cooperates with the CPU to form the control unit.

This computer program may also be stored in an application program server connected to the loan management device 100 via any network, and all or part of it may be downloaded as needed.

In addition, the program for executing the processing described in this embodiment may be stored on a non-transitory computer-readable recording medium, or may be configured as a program product. Here, the term "recording medium" refers to a memory card, a USB (Universal Serial Bus) memory, a SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical disk), a DVD (Digital Versatile This includes any "portable physical media" such as a DVD (registered trademark) or Blu-ray (registered trademark) Disc.

A "program" is a data processing method written in any language or description method, and may be in any format, such as source code or binary code. Note that a "program" is not necessarily limited to a single configuration, but also includes a distributed configuration consisting of multiple modules or libraries, and a program that works in conjunction with a separate program, such as an OS, to achieve its function. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in this embodiment, as well as the installation procedure after reading, can use well-known configurations and procedures.

The various databases stored in the memory unit 106 are storage devices such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and providing websites.

The loan management device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The loan management device 100 may be realized by implementing software (including programs or data, etc.) that causes the device to realize the processing described in this embodiment.

Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the figures, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various additions or functional loads. In other words, the above-mentioned embodiments can be implemented in any combination, or the embodiments can be implemented selectively.

The present invention is useful in industries such as the financial industry, which can develop money lending businesses, including the non-bank industry.

REFERENCE SIGNS LIST 100 Loan management device 102 Control unit 102a Request acquisition unit 102b Request acquisition unit 102c Simulation unit 104 Communication interface unit 106 Storage unit 106a Contract database 106b Log database 108 Input/output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims (9)

A loan management device including a memory unit and a control unit,
The storage unit is
A contract storage means for storing contract data that sets the loan amount, loan interest rate, and contract repayment date of the small loan;
a log storage means for storing log data set by linking transaction dates including the scheduled repayment date with loan balances;
Equipped with
The control unit is
A request acquisition means for acquiring a simulation request that sets a full repayment date and whether or not repayment is to be made on the scheduled repayment dates up to the full repayment date;
a simulation means for calculating a simulated full repayment amount of the small loan on the full repayment date based on the contract data, the log data, and the simulation request;
A loan management device comprising: The control unit is
a claim acquisition means for acquiring claim determination data that sets the claim amount on the contract repayment date up to the full repayment date;
Further comprising:
The simulation means includes:
The loan management device of claim 1, characterized in that, based on the billing confirmation data, the contract data, the log data, and the simulation request, if there is a repayment on the scheduled repayment date up to the full repayment date, the device calculates the interest appropriation amount on the scheduled repayment date, calculates the new loan balance by subtracting the billing amount from the sum of the loan balance and the interest appropriation amount, obtains the loan balance on the scheduled repayment date immediately before the full repayment date as the principal repayment amount with deposit, calculates the interest repayment amount on the full repayment date, and calculates the sum of the principal repayment amount with deposit and the interest repayment amount as the full repayment amount with deposit. The simulation means includes:
3. The loan management device according to claim 2, further comprising: a simulation request for calculating the amount of the loan balance on the contracted repayment date; a calculation request for calculating the amount of the loan balance on the contracted repayment date on which the loan is to be repaid; a calculation request for calculating the amount of the loan balance on the contracted repayment date on which the loan is to be repaid; and a calculation request for calculating the amount of the loan balance on the contracted repayment date on which the loan is to be repaid. The simulation means includes:
The loan management device as described in claim 1, characterized in that, based on the contract data, the log data, and the simulation request, if the presence or absence of repayment on the scheduled repayment date up to the full repayment date is no, the loan balance is obtained as the principal-free repayment amount, the interest-free deposit repayment amount on the full repayment date is calculated, and the sum of the principal-free deposit repayment amount and the interest-free deposit repayment amount is calculated as the full repayment amount without deposit. The simulation means includes:
The loan management device according to claim 2 or 3, further comprising: a loan management unit that, based on the billing confirmation data, the contract data, the log data, and the simulation request, if the presence or absence of repayment on the scheduled repayment date up to the full repayment date is no, obtains the loan balance as a principal-free repayment amount, calculates the interest-free deposit repayment amount on the full repayment date, calculates the sum of the principal-free deposit repayment amount and the interest-free deposit repayment amount as the full repayment amount without deposit, and obtains a comparison result between the full repayment amount with deposit and the full repayment amount without deposit. The simulation means includes:
2. The loan management device according to claim 1, further comprising: a billing amount inquiry screen in which the simulated full repayment amount is set. The request acquisition means includes:
The loan management device according to claim 1 or 2, characterized in that it displays a billing amount inquiry screen on which the presence or absence of repayment can be set on the full repayment date and the scheduled repayment dates up to the full repayment date, and acquires the simulation request. A loan management method to be executed by a loan management device having a storage unit and a control unit,
The storage unit is
A contract storage means for storing contract data that sets the loan amount, loan interest rate, and contract repayment date of the small loan;
a log storage means for storing log data set by linking transaction dates including the scheduled repayment date with loan balances;
Equipped with
Executed in the control unit,
a request acquisition step of acquiring a simulation request that sets a full repayment date and whether or not repayment is to be made on the scheduled repayment dates up to the full repayment date;
a simulation step of calculating a simulated full repayment amount of the small loan on the full repayment date based on the contract data, the log data, and the simulation request;
A method of managing a loan comprising: A loan management program to be executed by a loan management device having a storage unit and a control unit,
The storage unit is
A contract storage means for storing contract data that sets the loan amount, loan interest rate, and contract repayment date of the small loan;
a log storage means for storing log data set by linking transaction dates including the scheduled repayment date with loan balances;
Equipped with
In the control unit,
a request acquisition step of acquiring a simulation request that sets a full repayment date and whether or not repayment is to be made on the scheduled repayment dates up to the full repayment date;
a simulation step of calculating a simulated full repayment amount of the small loan on the full repayment date based on the contract data, the log data, and the simulation request;
A loan management program to implement.

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