JP4227340B2

JP4227340B2 - Bond securitization equipment

Info

Publication number: JP4227340B2
Application number: JP2002044055A
Authority: JP
Inventors: 泰志佐野; 真一楳木
Original assignee: Sumitomo Mitsui Banking Corp
Current assignee: Sumitomo Mitsui Banking Corp
Priority date: 2002-02-20
Filing date: 2002-02-20
Publication date: 2009-02-18
Anticipated expiration: 2022-02-20
Also published as: JP2003242360A

Description

【０００１】
【発明の属する技術分野】
この発明は、売掛債権、特に手形債権を流動化するための債権流動化装置及び方法に関するものである。
【０００２】
【従来の技術】
近年、企業等が保有する売掛債権を流動化して資金を調達する方法が注目されている。この方法は、債権流動化と称され、ファクタリング、信託方式による信託受益権販売やＳＰＣ（特別目的会社）方式による有価証券化というように様々な方法がある。
【０００３】
手形債権を流動化する場合について説明すると、まず、債権者が流動化候補手形明細を作成し、それを債権流動化可否の審査のために金融機関に提出する。そして、その回答を得た後に、債権者側で、流動化が可能であって債権流動化したい手形の明細を確定する。ついで、債権者は、当該明細を依頼データと共に手形現物を金融機関に提出する。
【０００４】
【発明が解決しようとする課題】
ところで、従来の手形債権の流動化方法には以下のような解決するべき課題がある。
【０００５】
すなわち、従来の方法では、手形債権の流動化を行なうためには、顧客側で予め各手形に関して流動化可否の審査を受け、流動化対象手形を確定しておく必要がある。また、このような流動化対象手形について、金融機関が必要とする形式での依頼データを作成する必要があり、時間と手間がかかっていた。
【０００６】
ここで、グループに複数の会社が属している場合、そのグループの親会社またはグループファイナンス会社が、各会社が保有する手形を纏めて取立てに出し一括して流動化したいという要望がある。しかしながら、前記依頼データにはこのようなグループ企業群に対応する項目がないため、後でどの手形がどのグループ企業のものかを判別することが容易ではなかった。
【０００７】
また、実際には金融機関内で、顧客が作成した流動化依頼データと流動化を行なう手形現物との突合を行なうことが困難であり、確認に手間を要しているということがあった。
【０００８】
この発明は、このような事情に鑑みてなされたものであり、特に手形債権の流動化の手順を簡略化でき、少ないコンピュータ資源で正確かつ高速な処理を行なえる債権流動化装置を提供することを目的とする。
【０００９】
この発明の更なる詳しい目的は、予め債権者側で流動化対象債権を確定したりそれに基づいて依頼データを作る必要のない債権流動化装置を提供することにある。
【００１０】
この発明の更なる詳しい目的は、グループに複数の会社が属している場合であって、これらグループ会社の手形を一括して取立て若しくは流動化したい場合に、これらグループ会社間の賃借関係を効率的に把握できる債権流動化装置を提供することにある。
【００１１】
【課題を解決するための手段】
この発明は、上述のような事情に鑑みてなされたものであり、その第１の主要な観点によれば、複数の受取人に対して振り出された複数の手形売掛債権を保有する債権者から当該債権の取立てを依頼された金融機関に設置され、ＷＥＢサーバ及び流動化受付業務サーバを含む債権流動化装置であって、債権者から金融機関に手形が持ち込まれて取立て依頼を受けた複数の手形売掛債権について、支払人（債務者）、金額、受取人を含む手形明細情報を格納する売掛債権明細情報格納部と、少なくとも前記債権者と金融機関との間で締結された取立業務委託契約の情報と、手形の受取人及び債権者の識別情報と、当該手形売掛債権の取立て依頼前の譲渡に係る譲渡人（受取人）と譲受人（債権者）との譲渡契約情報と、を格納する契約情報格納部と、前記契約情報格納部に格納された取立業務委託契約情報及び取立て依頼前の譲渡契約情報に基づいて前記手形売掛債権の取立て依頼前の譲渡に関する手形裏書情報を生成し、前記売掛債権の明細情報に含めて前記売掛債権明細情報格納部に格納する裏書情報生成部と、前記売掛債権明細情報に含まれる債務者の情報に基づいて作成されたこの債務者の信用情報と当該手形売掛債権の金額と所定のリスク分析モデルとに基づいて代金回収リスクを分析し、このリスク分析の結果に基づいて当該複数の手形売掛債権毎の流動化の可否を判断し、この流動化可否の情報を前記手形売掛債権に関連付けて前記売掛債権明細情報格納部に格納する債権流動化可否判断手段と、前記手形売掛債権毎の流動化の可否情報を、通信ネットワークを通じて債権者の通信端末に提示する前記ＷＥＢサーバの流動化可否情報提供手段と、前記債権者の通信端末に、流動化可能な手形売掛債権についての流動化指示を受け付けるためのインタフェースを提示して流動化指示を受け取る前記ＷＥＢサーバの流動化指示受取手段と、流動化指示を受け取った場合に、前記裏書情報を含む流動化対象明細データを生成し、債権を流動化して資金を調達する事業者に対して送信する流動化受付業務サーバの流動化指示処理手段とを有することを特徴とする債権流動化装置が提供される。
【００１２】
このような構成によれば、売掛債権の取立て依頼を受けた金融機関が、その売掛債権の情報に基づいて予め流動化の可否を判断し、その可否情報を債権者に提示することができる。このことで、債権者が自ら債権流動化の依頼データを用意する必要がなくなる。また、予め登録されている契約情報に基づいて必要な裏書情報を自動的に生成することができる。また、上記構成によれば、グループのファイナンス会社等が手形債権の譲渡を受けて一括的に処理する場合であっても、各グループ会社（取立て依頼前の譲渡にかかる譲渡人）のデータが債権明細データに含まれるからその仕分けが容易になる。
【００１３】
この発明の好ましい実施形態によれば、前記流動化可否情報提供手段は、前記取立て依頼を受けた複数の手形売掛債権の明細情報を、通信ネットワークを介して債権者の通信端末に提示する前記ＷＥＢサーバの売掛債権明細情報提示手段と、前記流動化可否情報に基づいて、前記売掛債権の明細情報から流動化可能な売掛債権の明細情報のみを抽出して債権者の通信端末に提示する前記ＷＥＢサーバの流動化可能売掛債権抽出手段とを有する。
【００１５】
このような構成によれば、金融機関から提示されたデータを確認するのみで、自ら依頼データを用意することなく、債権流動化の依頼を行なうことが可能になる。
【００１６】
この発明の好ましい実施形態によれば、債権流動化可否決定部は、前記債権者信用情報に基づいて債権流動化が可能であると判断した場合、前記債権者信用情報に基づいて債権流動化の条件を算出し、前記債権流動化情報として出力するものである。
【００１７】
このような構成によれば、債権流動化の可否を、企業の信用情報に基づいたリスクに応じて決定することができる。また、そのリスクに応じて債権流動化条件を決定することもできる。
【００２０】
この発明の第２の主要な観点によれば、複数の受取人に対して振り出された複数の手形売掛債権を保有する債権者から当該債権の取立てを依頼された金融機関に設置され、ＷＥＢサーバ及び流動化受付業務サーバを含む債権流動化装置によって、前記手形売掛債権を流動化する方法であって、前記債権流動化装置は、債権者から金融機関に手形が持ち込まれて取立て依頼を受けた複数の手形売掛債権について、支払人（債務者）、金額、受取人を含む手形明細情報を格納する売掛債権明細情報格納部と、少なくとも前記債権者と金融機関との間で締結された取立業務委託契約の情報と、手形の受取人及び債権者の識別情報と、当該手形売掛債権の取立て依頼前の譲渡に係る譲渡人（受取人）と譲受人（支払者）との譲渡契約情報と、を格納する契約情報格納部と、を備え、この方法は、前記債権流動化装置の裏書情報生成手段が、前記契約情報格納部に格納された取立業務委託契約情報及び取立て依頼前の譲渡契約情報に基づいて前記手形売掛債権の取立て依頼前の譲渡に関する裏書情報を生成し、前記売掛債権の明細情報に含めて前記売掛債権明細情報格納部に格納する工程と、前記債権流動化装置の債権流動化可否判断手段が、前記売掛債権明細情報に含まれる債務者の情報に基づいて作成されたこの債務者の信用情報と当該手形売掛債権の金額と所定のリスク分析モデルとに基づいて代金回収リスクを分析し、このリスク分析の結果に基づいて当該複数の手形売掛債権毎の流動化の可否を判断し、この流動化可否の情報を前記手形売掛債権に関連付けて前記売掛債権明細情報格納部に格納する工程と、前記ＷＥＢサーバの流動化可否情報提供手段が、前記手形売掛債権毎の流動化の可否情報を、通信ネットワークを通じて債権者の通信端末に提示する工程と、前記ＷＥＢサーバの流動化指示受取手段が、前記債権者の通信端末に、流動化可能な手形売掛債権についての流動化指示を受け付けるためのインタフェースを提示して流動化指示を受け取る工程と、流動化指示を受け取った場合に、前記流動化受付業務サーバの流動化指示処理手段が、前記裏書情報を含む流動化対象明細データを生成し、債権を流動化して資金を調達する事業者に対して送信する工程とを有することを特徴とする債権流動化方法が提供される。
【００２１】
このような構成によれば、前記第１の観点にかかる債権流動化装置で実行可能な方法を得ることができる。
【００２２】
なお、この発明の他の特徴と顕著な効果は、以下の発明の実施の形態の項及び添付した図面を参照することで当業者に明確に理解される。
【００２３】
【発明の実施の形態】
以下、この発明の一実施形態にかかる債権流動化システムを図面を参照して説明する。
【００２４】
図１は、この実施形態の債権流動化システムを使用した債権流動化の処理スキームを示す概略構成図である。なお、図中Ｓ１〜Ｓ１２は、処理ステップを参照するための符号であり、以下の説明中のステップＳ１〜ステップＳ１２に対応する。
【００２５】
この実施形態においては、グループ会社Ａ、グループ会社Ｂ及びグループファイナンス会社Ｃからなる企業グループＧの手形債権を処理する場合を例にとって説明する。ここで、グループファイナンス会社Ｃは、グループ会社Ａ及びグループ会社Ｂの保有する債権を一括して取立て依頼及び流動化依頼する業務を執行する会社である。
【００２６】
図１に示すように、グループ会社Ａ及びグループ会社Ｂが、商品若しくはサービスを販売先１〜３のいずれかに販売し、その代金を手形で受け取ることで手形債権が発生したとする。グループ会社Ａ及びグループ会社Ｂは受け取った手形債権を、グループファイナンス会社Ｃに譲渡する形で、その取立て及び流動化の処理を委任する（ステップＳ１）。
【００２７】
グループファイナンス会社Ｃは、グループ会社Ａ及びＢから受け取った手形債権を金融機関４に対して纏めて取立て依頼する（ステップＳ２）。金融機関４は受け取った手形債権に基づいて当該手形債権の明細データ（手形明細データ）を生成する（ステップＳ３）。このとき、金融機関４は、予め前記企業グループＧとの間で交わしている契約情報に基づいて、前記手形債権がどの企業グループに属するのかを判断した上で、前記手形明細データ中に、グループ会社Ａ，Ｂを識別できる記号、例えば特有のグループ会社コード５を挿入する。このように生成された手形明細データは、図示しないＷＥＢサーバを通して前記グループファイナンス会社Ｃやグループ会社Ａ、Ｂがいつでもアクセスして閲覧できるように開示される（ステップＳ４）。
【００２８】
また、この手形明細データは、前記金融機関４に設置された債権流動化処理システム６に渡され、この債権流動化処理システム６は、この手形明細データに基づいて、各明細で示される手形債権が流動化可能であるかを判断する（ステップＳ５）。
【００２９】
この流動化の判断は、当該手形の金額、支払人名義等に基づいて各手形毎の代金回収リスクを分析することによって行なう（ステップＳ６）。このようにして判断された流動化可否の情報は前記手形明細データと同様に、上記グループファイナンス会社Ｃやグループ会社Ａ，ＢがＷＥＢ上で閲覧可能なように開示される（ステップＳ７）。なお、前記手形明細データと、流動化可否情報は、クエリー式によって適宜組み合わされ、前記手形明細データから流動化可能な明細データを抽出するため等に用いられる。
【００３０】
また、前記ＷＥＢサーバには、前記グループファイナンス会社Ｃから債権流動化の指示を受け付けるためのインタフェースが備え付けられている。前記ファイナンス会社Ｃは、このインタフェース上で流動化できる債権手形明細を確認した後、選択した手形債権についての流動化を指示する（ステップＳ８）。
【００３１】
このようにして受け付けられた債権流動化の指示は、この流動化指示にかかる売掛債権の流動化データとともにＳＰＣ７に送られる（ステップＳ９）。ＳＰＣ７は、この指示に基づいて手形債権の流動化を行なう（ステップＳ１０）と共に、譲渡代金を前記ファイナンス会社に支払う（ステップＳ１１）。
【００３２】
なお、前記ステップＳ４で流動化が行なえないと判断された手形債権については、金融機関４において通常の取立て処理に回されることになる（ステップＳ１２）。
【００３３】
このような処理によれば、前記グループファイナンス会社Ｃは、前記グループ会社Ａ、Ｂの手形流動化要求に際し、自らその依頼データを作成する必要がない。すなわち、手形明細及び流動化のためのデータは、金融機関４で作成され、グループファイナンス会社Ｃはそれを確認するのみでよい。これにより、予め金融機関４で流動化可否の判断をしておくことができ、流動化のための処理を迅速に行なうことが可能になる。また、ファイナンス会社Ｃでは手形流動化依頼書作成事務の負荷から逃れることできる。
【００３４】
また、上記処理によれば、ファイナンス会社Ｃ側で予め流動化依頼データを確定する必要がなく、流動化可否の判断に基づいて、流動化する手形債権を事後的に確定することができる。
【００３５】
さらに、手形明細及び流動化可否情報は、グループ子会社を識別するためのグループ会社コード５と共に扱われるから、後でグループ会社間賃借管理が容易になる。
【００３６】
このような機能を奏するため、前記金融機関に設けられたシステムは、図２に示すように構成されている。なお、この図は、債権流動化に必要な構成のみ示すものであり、その他の構成については図示を省略している。
【００３７】
まず、前記グループ会社Ａ、Ｂ若しくは前記ファイナンス会社Ｃから、所定の手形債権９について、前記金融機関４に対して取立て依頼がなされる。この場合、この金融機関４に設けられた手形情報入力部１０で当該手形債権のレコードを新たに生成すると共に、受け取った手形をスキャンして手形イメージを生成し、このイメージデータを前記手形明細データのフィールドデータとして追加する。
【００３８】
ついで、裏書・追加入力情報生成部１１が、前記手形若しくは手形イメージに基づいて、流動化処理に必要な情報を裏書情報及び追加の入力情報を生成して、前記手形明細データに追加する。図３は、このようにして生成された手形明細データの例を示すものである。すなわち、この手形明細データは、前記手形情報入力部１０で変換された手形イメージ１４と、前記裏書・追加入力情報生成部１１で追加された支払人情報１５、住所１６、金額１７、期日１８、手形番号１９、その他顧客整理番号２０及びグループ会社コード５からなる。ここで、裏書・追加入力情報生成部１１で生成される情報１５〜２０は、手形イメージ１４をＯＣＲソフトに適用して生成したデータであってもよいし、オペレータが現物手形に基づいて入力したデータであっても良い。
【００３９】
ここで、グループ会社コード５は、前記手形を受け取った元であるグループ会社Ａ，Ｂ若しくはファイナンス会社Ｃの情報を図２に示す契約情報格納部２３に格納されたグループ会社情報２４に適用することで生成される。この契約情報格納部２３内のグループ会社情報２４には、企業グループ内での手形債権の譲渡契約の情報が格納されており、これに基づいてグループ会社コード５を生成して前記手形明細データに付加する。ここで、グループ会社コード５は、企業グループ及びそのグループ内での会社を識別できるように採番された固有の記号である。
【００４０】
また、前記裏書・追加入力情報生成部１１は、前記グループ会社情報２４に基づいて裏書情報を生成し、前記手形９に裏書を追加する。図４は、当該手形がグループ会社Ａのものである場合の裏書情報の例である。
【００４１】
以上のようにして生成された手形明細データは図２の手形明細データ格納部２６に格納される。また、この前記手形明細データ格納部２６中に格納された手形明細データは、ＷＥＢサーバ２７に設けられた手形明細情報提供部２８によってＷＥＢページの形でインターネット網３０を通して前記グループ会社Ａ，Ｂ若しくはファイナンス会社Ｃに閲覧可能に提供される。
【００４２】
また、図に３２で示す流動化可否決定部が、前記手形明細データ格納部２６中の手形明細データに基づいてこのデータ中の各手形債権が流動化可能であるかを判断する。この流動化可否決定部３２は、外部若しくは内部で作成した企業信用情報３３に基づいて支払人すなわち債務者の信用情報を抽出する債務者信用情報抽出部３４と、抽出した信用情報及び所定のリスク分析モデル３５とに基づいて各手形債権の流動化リスクを分析するリスク分析部３６とを有する。この流動化可否決定部３２は、このリスク分析部３６によるリスク分析結果に基づいて各手形債権の流動化可否を判断し、その結果を流動化可否情報格納部３８に格納する。また、このリスク分析部３６は、リスク値に応じて債権流動化の条件を決定し、前記流動化可否情報に含ませるようにしても良い。この流動化可否情報は、例えば固有キーを利用して、前記手形明細データ格納部２６中の手形明細データと関連付けられるようになっている。
【００４３】
この流動化可否情報格納部３８に格納された流動化可否情報は、流動化受付業務サーバ４０を通して前記ＷＥＢサーバ２７からアクセス可能になっている。この流動化可否情報は、前記ＷＥＢサーバ２７に設けられた流動化可能債権抽出部４１によって前記手形明細データに適用され、その結果が前記インターネット網３０を通して前記ファイナンス会社Ｃ等に提供されるようになっている。
【００４４】
図５は、このようにして提供された手形明細画面の一例を示す図である。この図に示すように、各手形債権のデータは、前記手形番号１９、支払人１５、住所１６、金額１７、期日１８、その他整理番号２０の他、グループ会社コード５、流動化可否４３の結果と共に一覧として提示される。そして、流動化が可能な債権については流動化依頼ラジオボタン４４が設けられており、このボタン４４をオンにした後、この画面の右下に設けられた実行ボタン４５を押すことで流動化の依頼を行なえるようになっている。
【００４５】
このようにして入力された命令は、前記ＷＥＢサーバ２７を通して前記流動化受付業務サーバ４０によって受け付けられ、このサーバ４０に設けられた流動化指示処理部４２によって流動化対象明細データが生成され、前記ＳＰＣ７に対して送出されるようになっている（図１のステップＳ９参照）。
【００４６】
なお、この発明は上記一実施形態に限定されるものではなく、発明の要旨を変更しない範囲で種々変形可能である。
【００４７】
例えば、前記一実施形態では、債権流動化処理システム６が金融機関4に設けられていたが、これに限定されるものではない。一部が金融機関４の外部に設けられていても良い。また、一部が前記ＳＰＣ７内に設けられても良い。
【００４９】
さらに、上記一実施形態では、債権者からの指示によって流動化を行なうようにしたが、これに限定されるものではなく、予め決められた一定のルールに基づき、金融機関側で機動的に流動化、割引、取立て、譲渡担保手形として扱うように構成されていても良い。
【００５０】
【発明の効果】
以上説明したように、この発明によれば、債権の流動化、特に手形債権の流動化の手順を簡略化でき、少ないコンピュータ資源で正確かつ高速な処理を行なえる債権流動化装置及びその方法を得ることができる。また、上記構成によれば、予め債権者側で流動化対象債権を確定したりそれに基づいて依頼データを作る必要がない。さらに、企業グループに複数の会社が属している場合であって、これらグループ会社の手形を一括して取立て若しくは流動化したい場合に、これらグループ会社間の賃借関係を効率的に把握することができる。
【図面の簡単な説明】
【図１】この発明の一実施形態の概略を示す図。
【図２】この実施形態にかかるシステムの概略構成図。
【図３】手形明細データの構成を示す図。
【図４】裏書の例を示す図。
【図５】流動化可否情報が入った手形債権データが表示されたインタフェースを示す図。
【符号の説明】
Ａ…グループ会社
Ｂ…グループ会社
Ｃ…グループファイナンス会社
Ｇ…企業グループ
１〜３…販売先
４…金融機関
５…グループ会社コード
６…債権流動化処理システム
７…ＳＰＣ
９…手形債権
１０…手形情報入力部
１１…裏書・追加入力情報生成部
１４…手形イメージ
１５…支払人
１６…住所
１７…金額
２３…契約情報格納部
２４…グループ会社情報
２６…手形明細データ格納部
２７…ＷＥＢサーバ
２８…手形明細情報提供部
３０…インターネット網
３２…流動化可否決定部
３３…企業信用情報
３４…債務者信用情報抽出部
３５…リスク分析モデル
３６…リスク分析部
３８…流動化可否情報格納部
４０…流動化受付業務サーバ
４１…流動化可能債権抽出部
４２…流動化指示処理部
４３…流動化可否
４４…流動化依頼ラジオボタン
４５…実行ボタン[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an apparatus and method for refinancing a receivable, particularly a bill receivable.
[0002]
[Prior art]
In recent years, attention has been focused on a method of raising funds by liquidating accounts receivable held by companies. This method is called receivable securitization, and there are various methods such as factoring, sale of trust beneficiary rights by the trust method and securitization by the SPC (Special Purpose Company) method.
[0003]
To explain the case of liquidating bill receivables, first, a creditor creates a liquidation candidate bill detail and submits it to a financial institution for examination of whether or not the bond can be liquidated. After obtaining the answer, the creditor confirms the details of the bill that can be securitized and is desired to be securitized. Then, the creditor submits the actual bill together with the request data to the financial institution.
[0004]
[Problems to be solved by the invention]
By the way, the conventional method of liquidating bill receivables has the following problems to be solved.
[0005]
That is, in the conventional method, in order to securitize the bill receivable, it is necessary for the customer side to examine in advance whether or not to securitize each bill and determine the bill to be liquidated. Moreover, it is necessary to create request data in a format required by financial institutions for such bills to be liquidated, which takes time and effort.
[0006]
Here, when a plurality of companies belong to a group, there is a request that the parent company or group finance company of the group wants to collect bills held by each company and collect them together for fluidization. However, since there is no item corresponding to such a group company in the request data, it is not easy to later determine which bill belongs to which group company.
[0007]
Further, in practice, it is difficult to collate the liquidation request data created by the customer with the actual bills to be liquidated in the financial institution, and it takes time to confirm.
[0008]
The present invention has been made in view of such circumstances, and in particular, to provide a debt liquidation device that can simplify the procedure for fluidizing bills receivable and perform accurate and high-speed processing with a small amount of computer resources. With the goal.
[0009]
A further detailed object of the present invention is to provide a debt liquidation apparatus that does not require a creditor to preliminarily determine a liquidation target loan and create request data based thereon.
[0010]
A further detailed object of the present invention is when a plurality of companies belong to a group, and when it is desired to collect or mobilize bills of these group companies in a lump, the leasing relationship between these group companies can be improved. It is to provide a debt liquidation device that can be easily grasped.
[0011]
[Means for Solving the Problems]
The present invention has been made in view of the circumstances as described above. According to the first main aspect, a claim that holds a plurality of bill receivables drawn to a plurality of recipients. This is a debt securitization device that is installed in a financial institution requested by the creditor to collect the claim and includes a WEB server and a securitization reception service server. A bill is brought into the financial institution from the creditor and a collection request is received. Concerning multiple notes receivable receivable , it was concluded between at least the creditor and the financial institution, and a receivable receivable item detail information storage unit for storing bill detail information including payer (obligor), amount, and payee Information on collection business consignment contract, identification information of bill recipient and creditor, and transfer agreement between transferor (recipient) and transferee (creditor) related to transfer of bill receivables before collection request And contract information storage to store information Generating bill endorsement information relating to the transfer of the bill receivable before the collection request based on the collection service consignment contract information stored in the contract information storage unit and the transfer contract information before the collection request, and the receivable receivable The endorsement information generation unit stored in the account receivable item description information storage unit included in the account receivable item information , the creditor 's credit information created based on the obligor information included in the account receivable item description information , and analyze the payment collection risk on the basis of the amount of bills accounts receivable with a predetermined risk analysis model, to determine whether the flow of each the plurality of bill receivables based on the results of the risk analysis, the flow and creditors fluidization possibility determining section for storing the accounts receivable account information storage unit information of availability in association with the bill receivables, whether information flow of each of the bills receivables, through a communications network A fluidizing permission information providing means of the WEB server Hisage shown to communication terminal holders, the communication terminal of the creditor, presents an interface for receiving fluidization indication of fluidizable bill receivables A mobilization instruction receiving means of the WEB server that receives the mobilization instruction and a mobilization instruction detail data including the endorsement information when the mobilization instruction is received, and mobilizes the receivable to raise funds There is provided a bond liquidation apparatus characterized by having a liquidation instruction processing means of a liquidation reception service server that transmits to a person .
[0012]
According to such a configuration, a financial institution that has received a collection request for accounts receivable can determine whether or not to liquidate in advance based on the information on the accounts receivable, and present the information on whether or not to the creditor. it can. This eliminates the need for creditors to prepare their own data for requesting securitization. In addition, necessary endorsement information can be automatically generated based on pre-registered contract information. In addition, according to the above configuration, even when a group finance company receives a bill receivable and processes it in a lump sum, the data of each group company (the transferor before the collection request) is stored in the receivable. Since it is included in the detail data, the sorting becomes easy.
[0013]
According to a preferred embodiment of the present invention, the fluidized permission information providing means, the detailed information of a plurality of bills receivables that received the collection request, via the communications network to present the communication terminal creditors the and receivables specification information presenting means of the WEB server, based on said fluidizing permission information, to the communication terminal of the creditor by extracting only the detail information of fluidizable receivables from the detailed information of the accounts receivable The WEB server to be presented is a liquidable receivable receivable extraction means.
[0015]
According to such a configuration, it is possible to make a request for the securitization of receivables by merely checking the data presented by the financial institution without preparing the request data by itself.
[0016]
According to a preferred embodiment of the present invention, when the bond liquidation availability determination unit determines that the bond liquidation is possible based on the creditor credit information, the bond liquidation determination unit determines whether the bond liquidation is based on the creditor credit information. Conditions are calculated and output as the bond liquidation information.
[0017]
According to such a configuration, it is possible to determine whether or not to refinance the bond according to the risk based on the credit information of the company. In addition, it is possible to determine the conditions for liquidation of bonds depending on the risk.
[0020]
According to the second main aspect of the present invention, it is installed in a financial institution requested to collect a claim receivable from a creditor holding a plurality of bill receivables drawn to a plurality of recipients, A method of liquidating the bill receivables by means of a claim liquidation device including a WEB server and a liquidation reception business server, wherein the bond liquidation device requests a collection when a bill is brought into a financial institution from a creditor. A plurality of bill receivables received, and an account receivable item description information storage unit for storing bill item information including a payer (obligor), an amount, and a payee , and at least between the creditor and the financial institution Information on the consignment contract that has been signed, identification information of the recipient and creditor of the bill, and the transferor (recipient) and assignee (payer) related to the transfer of the bill receivable before collection request Store transfer contract information And a contract information storage unit, the method, the endorsement information generating means receivable fluidization device, based on the contract information storage unit stored in the collection service agreement information and collection request before transfer contract information It generates endorsement information on the transfer of previous collection request the bill accounts receivable, and storing in the accounts receivable account information storage unit included in the specification information of the accounts receivable, credit liquidation of the claims fluidizer The decision as to whether or not conversion is possible is based on the credit information of the debtor created based on the debtor information included in the account receivable details information , the amount of the bill receivable, and a predetermined risk analysis model. the collection risk analyzes, to determine whether the flow of each the plurality of bill receivables based on the results of the risk analysis, the accounts receivable in association with information of the fluidizing whether the bill receivables Detail information And storing the pay unit, fluidized permission information providing means of the WEB server, whether the information flow of each of the bills accounts receivable, the steps of Hisage shows the communication terminal creditors through a communications network, wherein A step in which a liquidation instruction receiving means of a WEB server presents an interface for receiving a liquidation instruction for a receivable bill receivable on the creditor's communication terminal and receives the liquidation instruction ; When the instruction is received, the liquidation instruction processing means of the liquidation reception business server generates the liquidation target detail data including the endorsement information, and transmits it to the business operator who mobilizes the receivable and raises funds. credit liquidation wherein the and a step of is provided.
[0021]
According to such a configuration, it is possible to obtain a method that can be executed by the bond liquidation device according to the first aspect.
[0022]
Other features and remarkable effects of the present invention will be clearly understood by those skilled in the art with reference to the following embodiments of the present invention and the accompanying drawings.
[0023]
DETAILED DESCRIPTION OF THE INVENTION
A bond liquidation system according to an embodiment of the present invention will be described below with reference to the drawings.
[0024]
FIG. 1 is a schematic configuration diagram showing a processing scheme of bond securitization using the bond securitization system of this embodiment. In addition, S1-S12 in a figure is a code | symbol for referring a process step, and respond | corresponds to step S1-step S12 in the following description.
[0025]
In this embodiment, a case where a bill receivable of a corporate group G composed of a group company A, a group company B, and a group finance company C is processed will be described as an example. Here, the group finance company C is a company that executes a business to collect and request liquidation of the claims held by the group company A and the group company B in a lump.
[0026]
As shown in FIG. 1, it is assumed that the group company A and the group company B sell goods or services to any one of the customers 1 to 3 and receive bills for the bills, thereby generating bill receivables. The group company A and the group company B delegate the collection and securitization processing by transferring the received bill receivables to the group finance company C (step S1).
[0027]
The group finance company C requests the financial institution 4 to collect bill receivables received from the group companies A and B (step S2). Based on the received bill receivable, the financial institution 4 generates detailed data (hand bill detailed data) of the bill receivable (step S3). At this time, the financial institution 4 determines, based on the contract information previously exchanged with the corporate group G, to which corporate group the bill receivable belongs, A symbol for identifying the companies A and B, for example, a unique group company code 5 is inserted. The bill detail data generated in this way is disclosed so that the group finance company C and the group companies A and B can access and view them at any time through a WEB server (not shown) (step S4).
[0028]
Further, the bill detail data is transferred to a bond liquidation processing system 6 installed in the financial institution 4, and the bond liquidation processing system 6 is based on the bill detail data and shows the bill receivable shown in each detail. Is determined to be fluidizable (step S5).
[0029]
This determination of liquidation is performed by analyzing the price collection risk for each bill based on the amount of the bill, the name of the payer, and the like (step S6). The information on whether or not the liquidation is determined in this way is disclosed so that the group finance company C and the group companies A and B can be viewed on the WEB, similarly to the bill detail data (step S7). Note that the bill detail data and fluidization propriety information are appropriately combined by a query expression, and are used for extracting detail data that can be fluidized from the bill detail data.
[0030]
Further, the WEB server is provided with an interface for accepting an instruction for liquidation of bond from the group finance company C. The finance company C confirms the bill details that can be liquidated on this interface, and then instructs to liquidate the selected bill receivable (step S8).
[0031]
The receivable securitization instruction received in this way is sent to the SPC 7 together with the receivable liquidation data related to the securitization instruction (step S9). The SPC 7 mobilizes the bill receivable based on this instruction (step S10) and pays the transfer fee to the finance company (step S11).
[0032]
Note that the bill receivable that is determined not to be liquidized in step S4 is sent to a normal collection process in the financial institution 4 (step S12).
[0033]
According to such processing, the group finance company C does not need to create its own request data when it requests the group companies A and B to mobilize bills. That is, the bill details and the data for securitization are created by the financial institution 4, and the group finance company C only needs to confirm it. As a result, the financial institution 4 can determine in advance whether the liquidation is possible or not, and it is possible to quickly perform the process for fluidization. In addition, the finance company C can escape from the burden of creating the bill fluidization request form.
[0034]
Further, according to the above process, it is not necessary to determine the liquidation request data in advance on the finance company C side, and it is possible to determine the bill receivable to be liquidated on the basis of the determination as to whether or not the liquidation is possible.
[0035]
Further, since the bill details and the liquidation availability information are handled together with the group company code 5 for identifying the group subsidiary, the leasing management between the group companies becomes easy later.
[0036]
In order to exhibit such a function, the system provided in the financial institution is configured as shown in FIG. This figure shows only the configuration necessary for the securitization of bonds, and the other configurations are not shown.
[0037]
First, the group company A, B or the finance company C requests the financial institution 4 to collect a predetermined bill receivable 9. In this case, the bill information input unit 10 provided in the financial institution 4 newly generates a record of the bill receivable, scans the received bill, generates a bill image, and uses the image data as the bill detail data. Add as field data.
[0038]
Next, the endorsement / additional input information generation unit 11 generates endorsement information and additional input information based on the bill or the bill image, and adds the information to the bill specification data. FIG. 3 shows an example of the bill detail data generated in this way. That is, the bill detail data includes the bill image 14 converted by the bill information input unit 10, the payer information 15 added by the endorsement / additional input information generation unit 11, the address 16, the amount 17, the due date 18, It consists of bill number 19, other customer reference number 20, and group company code 5. Here, the information 15 to 20 generated by the endorsement / additional input information generation unit 11 may be data generated by applying the handprint image 14 to the OCR software, or may be input based on the actual bill. It may be data.
[0039]
Here, the group company code 5 applies the information of the group companies A and B or the finance company C from which the bill is received to the group company information 24 stored in the contract information storage unit 23 shown in FIG. Is generated. The group company information 24 in the contract information storage unit 23 stores information on contracts for transferring bill receivables within the company group. Based on this information, a group company code 5 is generated and stored in the bill details data. Append. Here, the group company code 5 is a unique symbol numbered so as to identify the company group and the companies within the group.
[0040]
The endorsement / additional input information generation unit 11 generates endorsement information based on the group company information 24 and adds the endorsement to the bill 9. FIG. 4 is an example of endorsement information when the bill is that of group company A.
[0041]
The bill detail data generated as described above is stored in the bill detail data storage unit 26 of FIG. The bill detail data stored in the bill detail data storage unit 26 is sent to the group companies A, B or the group companies A, B or the like via the Internet network 30 in the form of a WEB page by the bill detail information providing unit 28 provided in the WEB server 27. Provided to finance company C so that it can be viewed.
[0042]
Further, the liquidation availability determination unit indicated by 32 in the figure determines whether each bill bond in this data can be liquidated based on the bill detail data in the bill detail data storage unit 26. The liquidation availability determination unit 32 includes a debtor credit information extraction unit 34 that extracts payer, that is, debtor credit information based on externally or internally created corporate credit information 33, the extracted credit information, and a predetermined risk. A risk analysis unit 36 for analyzing the liquidation risk of each bill receivable based on the analysis model 35; The liquidation availability determination unit 32 determines whether each bill receivable can be liquidated based on the risk analysis result by the risk analysis unit 36, and stores the result in the liquidation availability information storage unit 38. Further, the risk analysis unit 36 may determine the condition for refinancing the bond according to the risk value and include it in the liquidation availability information. This fluidization availability information is associated with the bill detail data in the bill detail data storage unit 26 using, for example, a unique key.
[0043]
The fluidization availability information stored in the fluidization availability information storage unit 38 is accessible from the WEB server 27 through the fluidization acceptance business server 40. The liquidation availability information is applied to the bill detail data by the liquidable bond extractor 41 provided in the WEB server 27, and the result is provided to the finance company C and the like through the Internet network 30. It has become.
[0044]
FIG. 5 is a diagram showing an example of the bill detail screen provided in this way. As shown in this figure, the data of each bill receivable includes the bill number 19, payer 15, address 16, amount 17, due date 18, other reference number 20, group company code 5, and liquidation availability 43 result. And presented as a list. A liquidation request radio button 44 is provided for receivables that can be liquidated. After this button 44 is turned on, the execution button 45 provided at the lower right of this screen is pressed to activate the liquidation request. Requests can be made.
[0045]
The instruction input in this way is received by the fluidization acceptance business server 40 through the WEB server 27, and the fluidization instruction processing unit 42 provided in the server 40 generates the fluidization target detailed data, It is sent to the SPC 7 (see step S9 in FIG. 1).
[0046]
In addition, this invention is not limited to the said one Embodiment, A various deformation | transformation is possible in the range which does not change the summary of invention.
[0047]
For example, in the one embodiment, the bond liquidation processing system 6 is provided in the financial institution 4, but the present invention is not limited to this. Some may be provided outside the financial institution 4. A part may be provided in the SPC 7.
[0049]
Furthermore, in the above embodiment, the liquidation is performed according to an instruction from the creditor. However, the present invention is not limited to this, and the financial institution can flexibly flow based on a predetermined rule. It may be configured to be handled as a bill, discount, collection, or collateral bill.
[0050]
【The invention's effect】
As described above, according to the present invention, there is provided a debt liquidation apparatus and method capable of simplifying a procedure for liquidation of a bond, in particular, a liquidation of a bill, and performing accurate and high-speed processing with a small amount of computer resources. Obtainable. Moreover, according to the said structure, it is not necessary to confirm the liquidation object loan in advance on the creditor side, or to make request data based on it. In addition, when multiple companies belong to a corporate group and you want to collect or mobilize bills from these group companies in a batch, you can efficiently grasp the leasing relationship between these group companies. .
[Brief description of the drawings]
FIG. 1 is a diagram showing an outline of an embodiment of the present invention.
FIG. 2 is a schematic configuration diagram of a system according to this embodiment.
FIG. 3 is a diagram showing a configuration of bill detail data.
FIG. 4 is a diagram showing an example of endorsement.
FIG. 5 is a diagram showing an interface on which bill receivable data including liquidity availability information is displayed.
[Explanation of symbols]
A ... Group company B ... Group company C ... Group finance company G ... Corporate groups 1-3 ... Sales destination 4 ... Financial institution 5 ... Group company code 6 ... Revenue liquidation processing system 7 ... SPC
9. Bill of credit 10 ... Bill information input unit 11 ... Endorsement / additional input information generation unit 14 ... Bill image 15 ... Payer 16 ... Address 17 ... Amount 23 ... Contract information storage unit 24 ... Group company information 26 ... Bill statement data storage Unit 27 ... WEB server 28 ... Bill statement information providing unit 30 ... Internet network 32 ... Fluidization availability determination unit 33 ... Corporate credit information 34 ... Obligor credit information extraction unit 35 ... Risk analysis model 36 ... Risk analysis unit 38 ... Fluidization Permitted information storage unit 40 ... Fluidization acceptance business server 41 ... Movable debt extractor 42 ... Fluidization instruction processing unit 43 ... Fluidization propriety 44 ... Fluidization request radio button 45 ... Execution button

Claims

Installed from creditors that have multiple bills accounts receivable which swung to a plurality of recipients to financial institutions that are requesting collection of the debt, the fluidization indication of the note accounts receivable, receivables A receivable securitization device that sends to a business that procures and raises funds ,
This bond securitization device includes a WEB server and a liquidation acceptance business server,
Accounts receivable, which are incorporated Chi equity in financial institutions from creditors to scan multiple bills accounts receivable, which has received a collection request into data, the payer (debtor), storing amount, the bill detail information, including the recipient Receivable statement information storage unit;
Information on at least a collection contract signed between the creditor and the financial institution, identification information of the bill recipient and creditor, and the transferor related to the transfer of the bill receivable before collection request ( A contract information storage unit for storing transfer contract information between the payee) and the transferee (creditor);
Generate bill endorsement information related to the transfer of the bill receivable before collection request based on the collection business consignment contract information stored in the contract information storage unit and the transfer contract information before collection request, and the details of the receivable receivable An endorsement information generation unit that is included in the information and stored in the receivables statement information storage unit, a debtor credit information extraction unit that extracts credit information of the debtor based on the debtor's corporate credit information,
Applying the extracted credit information and the amount of the bill receivables included in the receivables details information to a predetermined risk analysis model, the price collection risk of each bill receivable (liquidity risk) Liquidity risk analysis department to analyze,
Based on the result of the risk analysis, it is determined whether or not each of the plurality of bills receivables can be liquidated, and the liquidity of receivables that associates the information on whether or not this liquidation is possible with the accounts receivable item information in the accounts receivable item information storage Means for determining whether or not
Liquidity availability information providing means of the WEB server for presenting the information on whether or not the bill receivables are fluidized to a creditor's communication terminal through a communication network;
The mobilization instruction receiving means of the WEB server that presents an interface for accepting a securitization instruction for a receivable bill receivable on the communication terminal of the creditor and receives the securitization instruction;
When receiving the fluidized instruction, it generates a fluidization target detailed data including the endorsement information, and having a fluidizing instruction processing means of the fluidizing accepted business server to be transmitted to the operator Bond liquidation equipment.

In the claim liquidation device according to claim 1,
The fluidization availability information providing means includes:
Account receivable item description information presenting means of the WEB server for presenting details information of a plurality of bill receivables that have received the collection request to a creditor's communication terminal via a communication network;
Based on the liquidation availability information, only the detailed information of the receivable receivables is extracted from the detailed information of the receivables and presented to the creditor's communication terminal. An apparatus for securitizing bonds, comprising: extraction means.

In the claim liquidation device according to claim 1,
If the means for determining whether or not receivables can be liquidated determines that the receivables of bills receivable can be liquidated based on the result of the risk analysis, the liquidation for each receivable of receivables based on the risk value of the risk analysis is performed. The claim liquidation device is characterized in that it is included in the receivable securitization availability information and is associated with the receivable detailed description information.

Installed from creditors that have multiple bills accounts receivable which swung to a plurality of recipients in financial institutions was asked to collection of the claims, it includes a WEB server and fluidization accepted business server, the bill A method of liquidating the bill receivable by means of a receivable liquidation device that transmits an instruction to refinance the receivable to a business operator that mobilizes the receivable and raises funds ,
The bond liquidation device
Accounts receivable, which are incorporated Chi equity in financial institutions from creditors to scan multiple bills accounts receivable, which has received a collection request into data, the payer (debtor), to store amount of money, the bill detail information, including the recipient Receivable statement information storage unit;
Information on at least a collection contract signed between the creditor and the financial institution, identification information of the bill recipient and creditor, and the transferor related to the transfer of the bill receivable before collection request ( A contract information storage unit for storing transfer contract information between the payee) and the transferee (payer);
With
This method
The endorsement information generating means of the receivables securitization device has an endorsement regarding the transfer of the bill receivables before collection request based on the collection service consignment contract information stored in the contract information storage unit and the transfer contract information before collection request Generating information and including it in the detailed information of the receivable receivable and storing it in the receivable receivable detailed information storage unit;
A debtor credit information extraction unit of the debt securitization device extracts the debtor's credit information based on the debtor's corporate credit information;
The securitization risk analysis unit of the bond securitization apparatus applies the extracted creditor's credit information and the amount of the bill receivables included in the receivables description information to a predetermined risk analysis model To analyze the collection risk (liquidity risk) of each bill receivable,
Based on the result of the risk analysis, the bond liquidation determination unit of the bond liquidation apparatus determines whether the plurality of bills receivables can be liquidated, and the information on the liquidation is displayed as the accounts receivable information. A step of associating with the receivables item information in the item information storage unit;
The liquidation availability information providing means of the WEB server presenting liquidation availability information for each bill receivable on a creditor's communication terminal through a communication network;
The mobilization instruction receiving means of the WEB server presenting an interface for accepting a mobilization instruction for a receivable bill receivable on the creditor's communication terminal and receiving the mobilization instruction;
When receiving a securitization instruction, the securitization instruction processing means of the securitization acceptance business server generates the securitization target detail data including the endorsement information, and for the business that procures funds by securitizing the receivable The method for securitizing claims is characterized by comprising the steps of: