JP4459312B2 - Lending management support system, lending management support method, lending management support program and recording medium - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a loan management support system.
[0002]
[Prior art]
When funds are transferred between companies such as between a parent company and a subsidiary or between business partners, or between headquarters and branch offices, or between headquarters and divisions within the same company, it is traditionally an excess of funds. It was done by recording information about shortages in a book.
[0003]
[Problems to be solved by the invention]
As described above, conventionally, management of funds movement between companies or within companies has been performed by registering books in books, etc., so various forms and data for settlement are created according to the requirements of each company. And could not be done quickly.
[0004]
The present invention has been made paying attention to such a problem, and it is possible to create various forms and to make a settlement using loan data generated by funds transfer between companies or within companies through financial institutions. An object of the present invention is to provide a loan management support system capable of quickly creating data in accordance with the demands of each company.
[0005]
[Means for Solving the Problems]
To achieve the above object, lending management support system according to the first aspect of the present invention, the arrangement of the first company and previously signed contract or within a company between the second company via a financial institution Based on the funds stored in the account of the first company and the funds stored in the account of the second company , the excess and deficiency of the funds was exchanged between the companies. A lending management support system that supports lending and lending management of funds between companies or within a company using transaction data including lending data or lending data generated by coordinating excess and deficiency of funds within a company, obtaining means for obtaining from the financial institution via the communication line the transaction details data from the transaction details data, balance data having an identification code for extracting balance data Instruction information for instructing the extraction rate, and a control master which stores information including financial period, based on the transaction statement data acquired by the acquisition means, a form creation unit of making various form, the Adjustment data generation means for generating adjustment data based on the transaction details data acquired by the acquisition means, and the form generation means is based on the instruction information stored in the control master It extracts the balance data from the transaction details data, stored in the cumulative file the balance data as a cumulative balance data, cumulative balance data from the accumulated files according to a plurality of types of forms or al selection species such form reads, aggregates read cumulative balance data, includes a process for calculating interest based on the inputted date, before Settlement data generating unit, when interest addition process has been selected, the cumulative balance data balance, using the information including the account date, the control master to the stored rate, and information including a settlement period calculate the interest Te includes a process for creating the settlement data using the balance and interest that the calculation of the cumulative balance data.
[0006]
Further, the loan management support system according to the second aspect of the present invention is the loan management support system according to the first aspect, wherein the loan data is extracted from the transaction details data in the financial institution.
The loan management support system according to the third aspect of the present invention is the loan management support system according to the first aspect, wherein the transaction details data is stored on the system side by an arbitrary storage medium including a floppy disk and an M / T. Provided to .
In addition, the loan management support system according to the fourth aspect of the present invention is the loan management support system according to the first aspect, wherein the settlement data is at least one of total transfer data and account transfer data. including.
[0007]
Furthermore, lending management support method according to a fifth aspect of the present invention, under the arrangement of the first companies advance signed contract or within a company between the second company via a financial institution, the first and money stored in company accounts, the second funds balance data or the enterprise generated by based on the funds stored in corporate account mutual interchange the excess and deficiency of funds between the company Instructs the extraction of the loan data having the identification code for extracting the loan data from the transaction detail data including the loan data generated by combining the excess and deficiency of the data , and the transaction detail data stored in the control master instruction information for, rate, and by using the information including the settlement period, CPU is a lending management support method for supporting a lending management of funds in the inter-company or within a company, the C An acquisition step in which the PU acquires the transaction details data from the financial institution via a communication line, and a form creation step in which the CPU creates various forms based on the transaction details data acquired in the acquisition step. And a settlement data creation step in which the CPU creates settlement data based on the transaction details data acquired in the acquisition step, and the form creation step is stored in the control master. extracts the balance data from the transaction details data based on the instruction information stored in the cumulative file the balance data as a cumulative balance data, in response to said plurality of types of forms or al selection species such form reading the accumulated balance data from the cumulative file, aggregates read cumulative balance data are input Wherein the step of calculating the interest based on the reference date, the payment data creation step, stored when the interest addition process has been selected, the cumulative balance data balance, the information including the account date, the control master been rate, using information including the closing period calculating interest, comprising the step of creating the settlement data using the balance and interest that the calculation of the cumulative balance data.
Further, the loan management support method according to the sixth aspect of the present invention is the loan management support method according to the fifth aspect, wherein the settlement data is at least one of data for general transfer and data for account transfer. including.
[0008]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.
The lending management support system according to the present embodiment requires each company to create various forms and data for settlement using lending data generated by funds transfer between companies or within a company through a financial institution. FIG. 1 shows the basic flow.
[0009]
First, company A as a parent company and company B as its subsidiary make a specific contract in advance through a financial institution (step S1).
Next, borrowing data is generated by combining the excess and deficiency of funds between A company and B company (step S2).
[0010]
FIG. 2 is a diagram showing how funds are transferred when borrowing or lending. FIG. 2A shows a case of borrowing. Company A 11 as a parent company borrows funds from Company B 12 as its subsidiary by account transfer via the financial institution 10. FIG. 2B shows a case of lending. Company A 11 lends funds to Company B 12 by account transfer via Party A financial institution 10.
[0011]
That is, the account of company A 11 is the parent account, and the account of company B 12 is the child account. Here, if the account balance of the B company 12 is positive, the plus funds are deducted from the account of the B company 12 by using account transfer and transferred to the account of the A company 11. In this case, surplus funds of company B 12 are concentrated in company A 11. This can be done by providing bank transfer data in advance to a financial institution or by signing a contract for automatic transfer based on the balance at a certain time every day.
[0012]
On the other hand, when the funds of Company B 12 are insufficient, funds are withdrawn from the account of Company A 11 and transferred to the account of Company B 12. In this case, the shortage funds from Company A 11 to Company B 12 are allocated.
[0013]
If there are a plurality of subsidiaries, the same is done for each subsidiary's account.
Here, when performing an account transfer, an identification code is set in, for example, the summary field of the account transfer data as the deposit / withdrawal transaction details data, thereby allowing the account transfer data (loan data) to be managed by this system. Can be distinguished from account transfer by payment in ordinary business activities. For example, if “Taishakukanri 123-123567” is entered in the summary column, the management target data in this system can be identified because the kana character “Taishakukanri” is included. Further, the partner can be identified by the branch code of the financial institution “123” and the account number “1234567”. The setting position of the identification code and the partner identification data may be any position as long as the loan identification and the partner identification can be performed.
[0014]
Further, the identification of the management target data is not limited to the method using the application field for fund transfer. For example, by registering the target data recognition information with parameters, you can set a dedicated account transfer contractor number, use the transfer person name as it is using transfer, or identify by adding a code to the transfer person name Is possible. It is also possible to set a similar code for an unused area of data at a financial institution. Alternatively, a dedicated account may be set up so that all funds transferred from the account are recognized as being borrowed.
[0015]
FIG. 3 shows some items included in the loan data used in this embodiment.
Next, deposit / withdrawal transaction details data is obtained by referring to a financial institution (step S3).
[0016]
FIG. 4 is a diagram showing that the company A 11 acquires the account transfer data generated by the transaction from the former financial institution 10. Here, in order to load the loan data into the loan management support system, the deposit / withdrawal transaction details are inquired under the firm banking contract with the former financial institution 10 to receive the deposit / withdrawal transaction details data. That is, the financial institution 10 records the details of the borrowing and lending between Company A 11 and Company B 12, that is, transaction details regarding deposits and withdrawals. For example, when Company A 11 inquires about transaction details, Provide deposit / withdrawal transaction details data to Company A11. Company A 11 extracts only the loan data between Company A 11 and Company B 12 from the deposit / withdrawal transaction details data, and manages the loan relationship based on this data.
[0017]
Next, only the loan data to be managed is extracted and accumulated from the deposit / withdrawal transaction details data acquired by the inquiry (step S4). Here, for example, by registering in advance in the system the information that the target data is only those that are set to “Taishakukanri” in the summary field of the account transfer data, the loan data is borrowed from the deposit / withdrawal transaction details data. Extract and accumulate only balance data required for management.
[0018]
Next, by inputting an arbitrary reference date, based on the accumulated balance data, the loan by the counterparty at the reference date, the balance of the borrowing, and the interest from the time of account transfer to the reference date are calculated. In response to the request, various forms are created and output (step S5).
[0019]
Here, it is assumed that the method of setting the interest rate used for the interest calculation can be selected from “all”, “for each company”, and “for each loan (borrowing)”. In addition, “all periods” and “every fixed period (every day, week, every 10 days, every month, etc.)” can be selected as the setting of the application period. Interest rates can be set for each account. The interest rate at the time of lending and borrowing can be set separately. Moreover, it is possible to combine these. The interest rate is registered from the input unit 103. It is also possible to set the interest rate by taking publicly disclosed interest rate data such as unsecured call rate (weighted average) and adding this or spread.
[0020]
Finally, at the time of settlement of accounts, the balance between companies is settled (step S6).
FIG. 5 is a diagram showing how funds are transferred at the time of settlement. FIG. 5 (a) shows that when A receives a general transfer request from A company 11 to repay borrowed funds, It shows that the general transfer funds are withdrawn from the account of company 11 and the general transfer is made to the account of company B 12. In (b), when A company 11 makes an account transfer request in order to repay the loaned funds, A financial institution 10 withdraws funds from the account of B company 12 and Shows how to deposit money into an account.
[0021]
In other words, in the settlement process, when making a settlement, create data for general transfer and account transfer to settle the loan between companies, and settled (general transfer for settlement, data for account transfer completed) Is deleted from the cumulative balance data. It has a function that removes it from the target of settlement by selection and keeps it in the accumulated data and carries it over to the next term. Further, when a return is desired before the repayment date, the settlement data can be created and deleted by inputting a date other than the settlement date. In addition, if the repayment is not made even when the closing date comes, it can be carried over to the next closing date.
[0022]
For the settlement data, any one of “borrowing amount only”, “borrowing amount + interest amount”, “interest only”, and “not created” can be selected.
FIG. 6 is a block diagram for explaining a procedure when, for example, Company A communicates with a financial institution through a farm banking service.
[0023]
For example, when making an inquiry about deposit / withdrawal transaction details data, the present loan management support system is directly connected to the financial institution 106 or via a common center (ANSER center) 107 connecting the financial institutions 108, 109, 110. The communication message is sent to the financial institution, for example, the financial institution 106, to obtain the deposit / withdrawal transaction details data. In response to this, the financial institution 106 sends detailed data relating to the company A to the present loan management support system. That is, the detailed data is temporarily stored in the data storage unit 104 via the communication control unit 100 and the CPU 101. This detailed data is appropriately read out and subjected to predetermined processing (interest calculation to create a form, etc.), and the result is output to the display unit 102 or the printing unit 105. Parameters necessary for processing are input from the input unit 103.
[0024]
Hereinafter, the inquiry procedure will be described with reference to the screen of the display unit 102.
First, when “12. Deposit / withdrawal transaction details inquiry” is selected on the “general menu” screen, a “connection bank selection” screen as shown in FIG. From this screen, select the receiving bank by number, and then enter the "password" and "file access key" registered in the receiving bank. Then, the screen is switched to a display screen for a message during dialing to the bank center as shown in FIG. When connected to the connection bank by this dialing, the connection bank performs a predetermined process and starts transmitting detailed data to the present loan management support system. The screen at this time is a display screen during data reception as shown in FIG.
[0025]
When the data reception is normally performed, a normal end message display screen as shown in FIG. 8 is displayed. After completion of receiving the detailed data, the data is edited, and after the editing is completed, the deposit / withdrawal transaction schedule is displayed on the screen. FIGS. 9A and 9B are diagrams showing display examples at this time. On this display screen, when “next page: 0” is selected, the screen of the next page is displayed. When “print: 5” is selected, the received data is printed. When “end: 9” is selected, the “general menu” is displayed. Return to the screen.
[0026]
Hereinafter, the above-described inquiry, extraction of target data, and accumulation processing will be described with reference to the flowchart shown in FIG.
First, make the computer operable and launch software for farm banking. Here, the transaction details inquiry operation is selected from among several processes (step S10). With this selection, the deposit / withdrawal transaction details data is received from the financial institution by the method described above (step S11).
[0027]
Since this deposit / withdrawal transaction details data includes all deposit / withdrawal data for the account of company A, only the loan data to be managed is extracted with reference to the control master 200. In other words, the control master 200 stores information indicating that only the data set as “Taishakukanri” is managed data, and based on this information, only transaction details data relating to lending is extracted. Can do. Here, if company A has a dedicated account for loan management, all received data is related to loan management, so all data is extracted (step S12). Furthermore, it is also possible to extract only the transaction details data having a specific account number from the details data having the identification data of “Taishakukanri”. Control data for controlling the selection process at this time is stored in the control master 200. FIG. 11 shows various types of information stored in the control master 200.
[0028]
The extracted detailed data is printed out by the printing unit 202 (step S13). Further, since the extracted detailed data needs to be saved unless settlement is performed, the balance data is accumulated (step S14) and is saved in the accumulation file 201 as accumulated balance data.
[0029]
FIG. 12 shows an example of a detailed list of balance data relating to the extracted balance, and FIG. 13 shows an example of a detailed list of cumulative balance data. FIG. 14 shows some items of transaction details data.
[0030]
The contents of the above-described detail list can be changed and deleted manually.
Next, the form creation process will be described with reference to the flowchart shown in FIG.
[0031]
Since the date and time when the funds were transferred can be grasped from the data accumulated by the accumulation processing described above, the borrowing date can be grasped. Loans, loan balances, and counterparties can also be identified by identification data. Need to manage interest on loans.
[0032]
Therefore, when it is desired to calculate the interest on a specific date before the date when the interest is finally paid, an arbitrary date is input as the reference date (step S20). Next, the settlement period data such as the settlement period date is read from the control master 200 (step S21). Next, for example, a form related to the balance is selected from a plurality of types of forms (step S22).
[0033]
Next, the cumulative balance data is read from the cumulative file 201 in accordance with the selected form type (step S23). Then, these are totaled to calculate interest, and finally a form is created and printed out by the printing unit 202.
[0034]
16 to 19 show various forms for managing the loan, FIG. 16 is a balance sheet by account, FIG. 17 is a balance sheet (child account summary), and FIG. 18 is a year by child account. FIG. 19 shows a balance sheet. FIG.
[0035]
Hereinafter, with reference to FIG. 20, the adjustment data creation processing (FD creation processing) during the above-described settlement processing will be described. The settlement process is to calculate interest until settlement, create settlement data, and update the cumulative master. First, it is determined whether or not the interest addition processing is performed (step S30). If the interest addition processing is selected, the interest is calculated from the balance of the cumulative balance data 201, the account date, the rate of the control master 200, the settlement period, and the like. Is calculated (step S31). Next, the balance of the accumulated balance data 201, the interest calculated in step S31, the parent account information (transfer client code, etc.), and the child account information (account number, etc.) are read out to create general transfer data and account transfer data. And stored in the storage media 203 and 204 (steps S32 and S33).
[0036]
Next, a check list is created based on the created general transfer data and account transfer data, and is printed out by the printing unit 202 (step S34).
If the settlement data created in this way is transmitted to a financial institution using, for example, a farm banking service, transfer and account transfer are automatically performed and settlement is completed.
[0037]
In the above-described embodiment, the data relating to the account transfer is the deposit / withdrawal transaction detail data. However, the present invention is not limited to this as long as the data related to the essential items among the items of the loan data described above is provided. For example, in the case of lending and borrowing funds by transfer, it is possible to use data such as a transfer payment details inquiry. It is also possible to perform management work data extraction work at a financial institution, and provide this as a system-dedicated inquiry service.
[0038]
In addition, the detailed data is not obtained through the normal farm banking service, but the detailed data is attached to the body of the e-mail or entered in the body of the e-mail in the personal computer communication or Internet service. You may make it receive as detailed data.
[0039]
Further, it is possible to exchange the data storage medium (floppy disk, M / T, etc.) instead of receiving the detailed data via the communication line as described above.
[0040]
【The invention's effect】
According to the present invention, since borrowing data generated by funds transfer between companies or within a company through financial institutions is used, the creation of various forms and the creation of data for settlement are required by each company. It will be possible to do it quickly.
[Brief description of the drawings]
FIG. 1 is a diagram showing a basic flow of management by a loan management support system according to an embodiment of the present invention.
FIG. 2 is a diagram showing how funds are transferred when borrowing or lending.
FIG. 3 is a diagram showing some items of loan data used in the present embodiment.
FIG. 4 is a diagram showing how A company obtains account transfer data generated by borrowing from A financial institution.
FIG. 5 is a diagram showing how funds are transferred during settlement.
FIG. 6 is a block diagram for explaining a procedure when each company communicates with a financial institution.
FIG. 7 is a diagram for explaining an inquiry procedure with reference to a screen of a display unit.
FIG. 8 is a diagram showing a screen when the inquiry is completed normally.
FIG. 9 is a diagram showing an example of a deposit / withdrawal transaction schedule obtained by inquiry.
FIG. 10 is a flowchart for explaining inquiry, extraction of target data, and accumulation processing;
FIG. 11 is a diagram illustrating an example of a control master.
FIG. 12 is a diagram showing an example of a balance data extraction detail list.
FIG. 13 is a diagram illustrating an example of a cumulative balance data detail list.
FIG. 14 is a diagram showing some items of deposit / withdrawal transaction details data.
FIG. 15 is a flowchart of a form creation process.
FIG. 16 is a diagram showing a balance sheet by child account as an example of a form.
FIG. 17 is a diagram showing a balance sheet as an example of a form.
FIG. 18 is a diagram showing a yearly total balance table for each child account as an example of a form.
FIG. 19 is a diagram showing a balance total slip as an example of a form.
FIG. 20 is a flowchart of a settlement FD creation process.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 100 ... Communication control part, 101 ... CPU, 102 ... Display part, 103 ... Input part, 104 ... Data storage part, 105 ... Printing part, 106, 108, 109, 110 ... Financial institution, 107 ... ANSER center.

Claims (6)

Under the arrangements of the first company and previously signed contract or within a company between the second company via a financial institution, the funds stored in the first corporate account, the second enterprise Transaction details including lending data generated by coordinating excess and deficiency of funds between the companies based on funds stored in the account, or lending data generated by filing excess and deficiency of funds within the enterprise A lending management support system that supports lending and lending management of funds between companies or within a company using data,
Obtaining means for obtaining the transaction details data from the financial institution via a communication line;
A control master storing information including instruction information for instructing extraction of loan data having an identification code for extracting loan data from the transaction statement data, a rate, and a settlement period;
Based on the transaction statement data acquired by the acquisition means, a form creation unit of making various form,
Based on the transaction details data acquired by the acquisition means, comprising the adjustment data creation means for creating the adjustment data,
The form creation means extracts loan data from the transaction details data based on the instruction information stored in the control master, and saves the loan data in a cumulative file as cumulative balance data . reading the accumulated balance data from the accumulated files according to the type of al selection has been form, aggregate the read cumulative balance data, includes a process for calculating interest based on the inputted date,
When the interest addition processing is selected, the settlement data creation means uses information including the balance and account date of the cumulative balance data, and information including a rate and a settlement period stored in the control master. balance management support system calculates the interest, characterized in that it comprises a process for creating the settlement data using the balance and interest that the calculation of the cumulative balance data.   The loan management support system according to claim 1, wherein the loan data is extracted from the transaction details data in the financial institution.   The lending management support system according to claim 1, wherein the transaction details data is provided to the system side by an arbitrary storage medium including a floppy disk and an M / T.   The loan management support system according to claim 1, wherein the settlement data includes at least one of general transfer data and account transfer data. Under the arrangements of the first company and previously signed contract or within a company between the second company via a financial institution, the funds stored in the first corporate account, the second enterprise Transaction details including lending data generated by coordinating excess and deficiency of funds between the companies based on funds stored in the account, or lending data generated by filing excess and deficiency of funds within the enterprise CPU , using data and information including instruction information for instructing extraction of loan data having an identification code for extracting loan data from the transaction details data stored in the control master, a rate, and a settlement period Is a loan management support method for supporting the loan management of funds between companies or within a company,
An acquisition step in which the CPU acquires the transaction statement data from the financial institution via a communication line;
Form creation step for creating various forms based on the transaction details data acquired by the CPU in the acquisition step ;
The CPU comprises a settlement data creation step for creating settlement data based on the transaction details data obtained in the obtaining step ,
The form creation step extracts loan data from the transaction details data based on the instruction information stored in the control master, and stores the loan data in a cumulative file as cumulative balance data . reading the accumulated balance data from the accumulated files according to the type of al selection has been form, aggregate the read cumulative balance data comprises the step of calculating interest based on the inputted date,
When the interest addition process is selected, the settlement data creation step uses information including the balance and account date of the cumulative balance data, and information including the rate and settlement period stored in the control master. balance management support method characterized by and by calculating interest by, comprising the step of creating the settlement data using the balance and interest that the calculation of the cumulative balance data.   6. The loan management support method according to claim 5, wherein the settlement data includes at least one of general transfer data and account transfer data.

Images