JP4920704B2 - Loan business support system, loan business support method, and loan business support program - Google Patents

Description

  The present invention relates to a loan business support system, a loan business support method, and a loan business support program used when a financial institution calculates a repayment plan for a loan provided to a customer.

  For example, when own funds are insufficient, such as when a house is purchased, loans are often used, and various loans for this purpose are provided by financial institutions (see Non-Patent Document 1, for example). . In borrowing such a loan, it is important to make a repayment plan.

  Then, the technique for creating a mortgage plan is examined (for example, refer patent document 1). In the technique described in this document, an object is to determine the amount of borrowing in consideration of the living conditions and income conditions unique to the home buyer and to search for an appropriate repayment method.

  In addition to the monthly repayment, there may be a partial advance repayment that pays a collective amount. By performing such partial prepayment, the future repayment amount is reduced. A loan calculator for executing this prepayment has also been studied (see, for example, Patent Document 2). In the technique described in this document, the input of the timing for executing the advance repayment and the advance amount is accepted. Then, the repayment state after executing the advance repayment by the advance amount at the designated time is calculated and displayed in a graph.

JP-A-7-65070 (first page) JP 2003-288486 A (first page)

Mizuho Bank, “mortgage”, [online], [October 27, 2008 search], Internet, <URL: http://www.mizuhobank.co.jp/loan/housing/>

  When setting a loan as described above, it is necessary to set various conditions (parameters) such as a repayment method, an interest rate method, and the number of repayments according to the principal. For this reason, there is a need for loan users to consider various repayment methods according to their asset status. In this case, since the interest rate fluctuates in particular, it is necessary to set various conditions in consideration of this fluctuation.

  And when calculating a repayment plan, there are a case where it calculates using a publicly known loan calculation formula, and a case where a simulation which repeats subtraction of a repayment amount from principal is repeated. Even in such a case, it is necessary to calculate a consistent plan.

It is desirable that the person in charge of the financial institution who has received such consultation on the repayment method can efficiently provide accurate advice even when there is little experience in dealing with the counter.
The present invention has been made to solve the above problems, and provides a loan business support system, a loan business support method, and a loan business support program for efficiently changing various setting conditions for a loan. There is to do.

In order to solve the above problem, the invention described in claim 1 is applied to a loan information storage means for recording an interest rate method and a loan balance for a customer identifier of a customer who provides a loan, and the loan. A loan business support system comprising interest rate information storage means for recording an interest rate and control means connected to an input / output means and for calculating a repayment plan using a loan calculation formula for calculating repayment conditions. When the control means acquires a customer identifier from the input / output means, the control means acquires an interest rate method and a loan balance from the loan information storage means, and accepts a change in repayment conditions to the input / output means. outputs change acceptance screen in the condition change reception screen, when acquiring the desired part prepayment and interest rate switching from said input means, said condition change receiving window smell Gets the set change date, the substituting rate information from the storage unit after the change date rates as variables of the loan calculation, perform the repayment plan calculation process of calculating the repayments on which to base, the current repayment Using the amount, calculate the balance of the principal for equal repayment and increased repayment on the date of the condition change, calculate the balance ratio from the balance of the equal repayment and the balance of the increased repayment, and calculate the prepayment amount from the loan balance on the date of the condition change Subtract the partial loan balance to calculate the balance, distribute the loan balance to the equal repayment balance and the increased repayment balance according to the balance ratio, and the repayment amount as the basis until the balance disappears. Subtract repeatedly, calculate the repayment count, substitute the calculated repayment count as a parameter value in the loan formula, execute the prepayment process to recalculate the repayment amount, and include the recalculated repayment amount To perform a repayment plan calculation process for outputting a simulation result display screen and gist.

Invention according to claim 2, calculated in loan service support system according to claim 1, in the condition change reception screen, when acquiring the desired payments specified, repayments by the repayment plan calculation process And outputting the repayment amount to the input / output means, obtaining a specified repayment amount and a specified period equal to or greater than the repayment amount from the input / output means, calculating a loan balance after the end of the specified period, The gist is to calculate the repayment amount by substituting the loan balance and the number of repayments after the specified period into the loan calculation formula.

The invention according to claim 3 is a loan information storage unit that records an interest rate method and a loan balance for a customer identifier of a customer who provides a loan, and an interest rate information storage unit that records an interest rate applied to the loan. The loan business support system is executed using a loan business support system that is connected to the input / output means and includes a control means for calculating a repayment plan using a loan formula for calculating repayment conditions. When the control means acquires a customer identifier from the input / output means, the control means acquires an interest rate method and a loan balance from the loan information storage means, outputs conditions change receiving screen for receiving the changes in the condition change reception screen, when acquiring the desired part prepayment and interest rate switching from said input means, said condition variable Gets the set modification date in the reception screen, the substituting rate information from the storage unit after the change date rates as variables of the loan calculation, perform the repayment plan calculation process of calculating the repayments on which to base, Using the current repayment amount, calculate the balance of the principal for equal and incremental repayments on the date of change, calculate the balance ratio from the balance of equal repayment and the balance of increased repayment, and advance from the loan balance on the date of change Subtract the repayment amount, calculate the loan balance after the partial advance, distribute the loan balance to the balance of equal repayment and the balance of increased repayment according to the balance ratio, and become the basis until the balance disappears Repeatedly deducting the repayment amount, calculating the repayment count, substituting the calculated repayment count as a parameter value in the loan formula, executing the prepayment process to recalculate the repayment amount, and executing the recalculation And summarized in that executing the repayment plan calculation process for outputting a simulation result display screen including the repayments it was.

The invention according to claim 4 is a loan information storage unit that records an interest rate method and a loan balance for a customer identifier of a customer who provides a loan, and an interest rate information storage unit that records an interest rate applied to the loan. The loan business support system is executed using a loan business support system that is connected to the input / output means and includes a control means for calculating a repayment plan using a loan formula for calculating repayment conditions. When the control means acquires a customer identifier from the input / output means, the interest rate method and the loan balance are acquired from the loan information storage means, and the repayment condition is changed for the input / output means. outputs conditions change receiving screen for receiving, at said condition changing reception screen, when acquiring the desired part prepayment and interest rate switching is returned to calculate the repayments on which to base Execute the plan calculation process, use the current repayment amount to calculate the balance of the principal for equal repayment and incremental repayment on the condition change date, calculate the balance ratio from the balance of equal repayment and the balance of increased repayment, By subtracting the advance repayment amount from the loan balance at the date of change, the loan balance after partial advance is calculated, and according to the balance ratio, the loan balance is distributed to the balance of equal repayment and the balance of increased repayment. Until it runs out, repeatedly subtract the repayment amount as the basis, calculate the repayment count, substitute the calculated repayment count as a parameter value in the loan formula, and execute the prepayment process to recalculate the repayment amount The gist is to function as means for executing a repayment plan calculation process for outputting a simulation result display screen including the recalculated repayment amount .

(Function)
According to the first, third, or fourth aspect of the invention, when the control unit acquires the customer identifier from the input / output unit, the control unit acquires the interest rate method and the loan balance from the loan information storage unit. Next, a condition change acceptance screen for accepting a change in repayment conditions is output to the input / output means. Next, the change date set on the condition change acceptance screen is acquired from the input / output means, and the interest rate after the change date is substituted as a variable in the loan calculation formula from the interest information storage means. Then, a repayment plan calculation process is executed for calculating the repayment amount by setting the change condition set in the condition change acceptance screen to the loan calculation formula. As a result, the current state can be specified in consideration of the interest rate after the date of change such as the interest rate, the change condition can be set, and the repayment amount can be calculated.

According to the present invention, when a request for partial advance repayment is obtained on the condition change acceptance screen, the repayment amount is calculated by a loan formula that applies all interest rates after the change date specified in the input / output means. To do. Then, the repayment count is calculated by repeating the repayment using the repayment amount until there is no loan balance obtained by subtracting the prepayment amount of the partial prepayment. Further, the repayment amount is substituted into the loan formula to recalculate the repayment amount. As a result, even when a simulation is performed, the repayment amount is finally calculated using the loan calculation formula, so that consistency of the repayment amount can be ensured.

According to the present invention, the loan balance is composed of the equal repayment balance and the increased repayment balance, and the balance obtained by subtracting the advance repayment amount from the loan balance is distributed to the balance ratio of the equal repayment balance and the increase repayment balance. Then, the advanced repayment process is executed by using the distributed equal repayment balance and the increased repayment balance after partial advancement. Thereby, the advance repayment amount can be appropriately distributed with respect to the equal repayment and the increased repayment.

According to the second aspect of the present invention, when the request for repayment amount designation is obtained on the condition change acceptance screen, the interest rate method and the loan balance are obtained from the loan information storage means for the loan associated with the customer identifier. Then, the repayment amount is calculated by substituting the interest rate after the change date as a variable of the loan calculation formula from the interest rate information storage means. Next, the calculated repayment amount is output to the input / output means. Next, a designated repayment amount and a designated period that are greater than or equal to the repayment amount are acquired from the input / output means. Then, the loan balance after the end of the specified period is calculated, and the repayment amount is calculated by substituting the loan balance and the number of repayments after the specified period into the loan formula. Accordingly, the repayment amount can be designated in consideration of the actual situation of the change date.

  According to the present invention, it is possible to provide a loan business support system, a loan business support method, and a loan business support program for efficiently changing various setting conditions for a loan.

The system schematic of embodiment of this invention. It is explanatory drawing of the data recorded on the data storage part, Comprising: (a) is a use loan management information storage part, (b) is explanatory drawing of the data recorded on the loan calculation formula information storage part. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment. Explanatory drawing of the process sequence of this embodiment.

  Hereinafter, an embodiment embodying the present invention will be described with reference to FIGS. In the present embodiment, a loan business support system, a loan business support method, and a loan business support program used to calculate a repayment plan (here, repayment amount) in response to a repayment condition change request for a loan provided to a customer Will be described.

  In order to support the calculation of such a repayment plan, in this embodiment, as shown in FIG. 1, a client terminal 10 and a loan business support server 20 installed at a counter of a main branch of a financial institution have a network. Are connected to each other.

  The client terminal 10 functions as an input / output unit and is a computer terminal used when accessing the loan business support server 20. In the present embodiment, the client terminal 10 is installed at a window of a financial institution and is used by a person in charge of the window. The client terminal 10 has a function of transmitting data via a network, a function of displaying received data, and the like. For this reason, the client terminal 10 includes an input unit such as a keyboard and a mouse, an output unit such as a display, a communication unit, and the like in addition to a CPU, RAM, and ROM (not shown). Further, a printing device (not shown) is connected to the client terminal 10. In the present embodiment, a necessary document is printed out using this printing apparatus.

  The loan business support server 20 is a computer server for supporting calculation of a repayment plan. As shown in FIG. 1, the loan business support server 20 includes a control unit 21, a basic management information storage unit 22, a used loan management information storage unit 23, a loan calculation formula information storage unit 24, and a necessary document management information storage unit 25. ing. The control unit 21 performs a data management process used when creating a repayment plan. And the control part 21 has a control means (CPU, RAM, ROM, etc. which are not shown in figure), and processing (condition change reception stage, condition acquisition stage, calculation management stage, simulation calculation stage, loan calculation formula stage, etc. which will be described later (Including processing). By executing the loan business support processing program for this purpose, the control unit 21 functions as a condition change receiving unit 211, a condition acquiring unit 212, a calculation management unit 213, a simulation processing unit 214, a loan calculation formula processing unit 215, and the like. .

The condition change accepting unit 211 executes a accepting process for a customer who desires to change the loan repayment condition in the client terminal 10.
The condition acquisition unit 212 executes processing for acquiring information related to the repayment condition desired to be changed in the client terminal 10. The condition acquisition unit 212 includes a memory that records repayment conditions set by the loan user.

  The calculation management means 213 executes a repayment plan calculation process in response to a request from the client terminal 10. Therefore, the calculation management unit 213 controls a simulation processing unit 214 and a loan calculation formula processing unit 215 which will be described later.

  The simulation processing unit 214 performs a process of calculating the number of repayments by performing a simulation of repeating repayment every month (or every increase repayment month) until the balance of principal is exhausted.

  The loan calculation formula processing means 215 substitutes a value acquired in the client terminal 10 or a value of the original repayment condition into a known loan calculation formula parameter, thereby obtaining a desired parameter value (a value of another repayment condition). ) Is calculated.

  The basic management information storage unit 22 functions as an interest rate information storage means, and stores a basic management information file that records basic information used when creating a loan repayment plan. This basic management information file is recorded when basic information necessary for calculating a repayment plan is registered. The basic management information file includes the latest interest rate applied in each interest rate method and data related to calendar information.

  The used loan management information storage unit 23 functions as loan information storage means. In the use loan management information storage unit 23, as shown in FIG. 2A, a use loan management record 230 for a loan provided to the user is recorded. This use loan management record 230 is registered when a loan is set. The use loan management record 230 includes data relating to a customer identifier, a repayment method identifier, an interest rate method identifier, a principal (equal), a principal (increased), a contract date, an increased repayment month, and a final repayment date. Furthermore, the customer identifier is associated with data relating to the applicable interest rate, monthly repayment amount, increase repayment amount, and specified period.

In the customer identifier data area, data relating to an identifier for specifying each business partner (customer) using the loan is recorded.
In the repayment method identifier data area and the interest rate method identifier data area, data relating to an identifier for specifying the repayment method (equity of principal and interest) or interest rate method (fixed or variable) selected by the loan user is recorded.

  In the principal (equal) data area and principal (increased) data area, data related to the equal repayment balance that is repaid evenly in the principal borrowed by the loan user and the increased repayment balance that is used to increase repayment when bonus is recorded Is done.

In the contract date data area, data relating to an identifier for specifying the date of each month for equal repayment is recorded.
In the increase repayment month data area, data relating to an identifier for specifying a month (for example, June and December) in which the increase repayment (bonus repayment) is performed is recorded.

  In the final repayment date data area, data relating to the repayment due date of the user's loan is recorded. The number of repayments can be calculated from the number of months until the final repayment date.

In the applicable interest rate data area, data relating to the interest rate applied to the user's loan is recorded.
In the monthly repayment amount data area, data relating to the monthly repayment amount is recorded.
Data relating to the repayment amount of the bonus month is recorded in the increase repayment amount data area.
In the designated period data area, data relating to the application period of the repayment amount designated by the loan user is recorded. In the designated period in the repayment amount designation service, as will be described later, it is possible to increase the repayment amount higher than the original repayment amount.

The loan calculation formula information storage unit 24 stores a loan calculation formula record 240 for a calculation formula for calculating the repayment amount, as shown in FIG. The loan calculation formula record 240 is recorded when a loan calculation formula is registered. The loan calculation formula record 240 includes data relating to a calculation formula for calculating the repayment amount in association with the repayment method identifier. In this loan calculation formula, there are an equal amount of principal and interest (equal portion), an equal amount of principal and interest (increased amount), and the like. The loan calculation formula uses “principal”, “interest rate”, “repayment count”, “repayment amount”, and “repayment amount”, and “months until the first bonus” as parameters. The loan calculation formula shown in FIG. 2B illustrates a calculation formula for calculating a repayment amount for an increase in repayment by the principal and interest method.

  The necessary document management information storage unit 25 stores a necessary document management template related to documents required when the loan repayment conditions are changed. This required document management template is recorded when a required document is registered in accordance with the repayment conditions and customer attributes. In the necessary document management information storage unit 25, templates of necessary documents are recorded corresponding to information for specifying the type of loan used, contents of condition change, and customer attributes.

An outline of the repayment condition change support process when a repayment plan is calculated using the system configured as described above will be described with reference to FIG.
The person in charge of the loan who has received the loan setting condition consultation from the loan user accesses the loan business support server 20 using the client terminal 10.

In this case, the control unit 21 of the loan business support server 20 outputs the menu screen 500 on the display of the client terminal 10.
Next, the control unit 21 of the loan business support server 20 outputs a condition change acceptance screen 510 on the display of the client terminal 10. The condition change acceptance screen 510 is provided with an item input field (for example, customer identifier) for searching for a loan set by the loan user. When search information for specifying a loan is set in each item input field, the control unit 21 of the loan business support server 20 acquires the search information set in the condition change reception screen 510 and uses this information. The used loan management information storage unit 23 is searched.

  Then, the control unit 21 of the loan business support server 20 outputs a search result list screen 520 on the display of the client terminal 10. The search result list screen 520 includes a list display of the used loan management records 230 extracted based on the search.

  Then, the loan user specifies the loan for which the repayment condition is to be changed from the list display on the search result list screen 520. When a loan to be changed is specified, the control unit 21 of the loan business support server 20 outputs a repayment condition change type selection screen 530 on the display of the client terminal 10. The condition change type selection screen 530 is provided with an input field for setting the type of repayment condition that can be changed by the loan user. In this condition change type selection screen 530, as the repayment condition change types, “interest rate switching”, “partially advanced repayment”, “change of trade date”, “change of bonus month”, “shortening of period”, “breakdown change” (Principal) "," Breakdown change (repayment amount) "," Repayment amount designation "can be selected. Furthermore, in this embodiment, it is also possible to select a combination of a plurality of types from among these types.

  When the type of repayment condition desired to be changed is set on the condition change type selection screen 530, the control unit 21 of the loan business support server 20 outputs a simulation condition setting screen 540 on the display of the client terminal 10. The simulation condition setting screen 540 is provided with an input field for setting a desired repayment condition change date and parameter value for the repayment condition change type selected by the loan user.

When a change date and various parameter values are set on the simulation condition setting screen 540, the control unit 21 of the loan business support server 20 performs a repayment plan simulation (step S01) described later. Then, the control unit 21 of the loan business support server 20 outputs a simulation result display screen 550 to the display of the client terminal 10.

  Here, the loan user confirms the simulation result display screen 550 and determines whether further condition change is necessary. When the condition change is reselected (in the case of “YES” in step S02), the control unit 21 of the loan business support server 20 again displays the condition change type selection screen 530 on the display of the client terminal 10. Output.

  If the condition change is not reselected (“NO” in step S02) and the simulation result is accepted and the condition confirmation is input (“YES” in step S03), the loan business support server 20 The control unit 21 executes a process for causing the printing apparatus connected to the client terminal 10 to output the necessary document 560.

  On the other hand, if the re-selection of the condition change is not performed (“NO” in step S02) and no condition confirmation is input (“NO” in step S03), a simulation end input is performed. In this case, the repayment condition change support process is terminated.

(Repayment plan simulation)
Next, the repayment plan simulation when the loan setting conditions are changed will be described in detail with reference to FIG.

  First, the control unit 21 of the loan business support server 20 executes a search process for a loan to be changed (step S101). Specifically, the condition change acceptance unit 211 of the control unit 21 outputs the above-described condition change acceptance screen 510 to the display of the client terminal 10. Then, the condition change accepting unit 211 acquires the search information set in the condition change accepting screen 510 and searches the use loan management information storage unit 23. Then, the condition change accepting unit 211 generates a search result list screen 520 including a list display of the used loan management records 230 extracted based on the search, and outputs the search result list screen 520 to the display of the client terminal 10. Then, the condition change accepting unit 211 acquires information for specifying the condition modified loan selected on the search result list screen 520.

  Next, the control unit 21 of the loan business support server 20 executes use loan information acquisition processing (step S102). Specifically, the condition change accepting unit 211 of the control unit 21 extracts the use loan management record 230 related to the loan selected on the search result list screen 520 from the use loan management information storage unit 23.

  Next, the control unit 21 of the loan business support server 20 executes an output process of the condition change type selection screen (step S103). Specifically, the condition acquisition unit 212 of the control unit 21 outputs a condition change type selection screen 530 on the display of the client terminal 10. Then, the condition acquisition unit 212 acquires information for specifying the condition change type selected on the condition change type selection screen 530. In this case, the condition acquisition unit 212 outputs a simulation condition setting screen 540 for setting the parameter value of each condition according to the condition change type. Even when a plurality of condition change types are selected, a simulation condition setting screen 540 corresponding to each condition change type is output.

When “interest rate switching” is selected on the condition change type selection screen 530, the control unit 21 of the loan business support server 20 executes a desired interest rate acquisition process (step S104). Specifically, the condition acquisition means 212 of the control unit 21 acquires a selectable interest rate from the basic management information storage unit 22 and generates a simulation condition setting screen 540 that can select each interest rate. Then, the condition acquisition unit 212 outputs the simulation condition setting screen 540 to the display of the client terminal 10. Then, the condition acquisition unit 212 acquires information for specifying the desired interest rate selected by the loan user through the simulation condition setting screen 540 and records it in the memory. Here, when the loan user wishes to simulate a plurality of interest rates, the plurality of interest rate information selected on the simulation condition setting screen 540 is acquired and recorded in the memory.

  Further, when “partially advanced repayment” is selected on the condition change type selection screen 530, the control unit 21 of the loan operation support server 20 executes processing for acquiring the condition change date and the advanced repayment amount (step S105). ). Specifically, the condition acquisition unit 212 of the control unit 21 outputs a simulation condition setting screen 540 on which the condition change date and the advance repayment amount can be set to the display of the client terminal 10. Then, the condition acquisition unit 212 acquires information regarding the desired condition change date and the advance repayment amount through the simulation condition setting screen 540 and records it in the memory.

  Further, when “change of contract date” is selected on the condition change type selection screen 530, the control unit 21 of the loan operation support server 20 executes an acquisition process of the contract date (step S106). Specifically, the condition acquisition unit 212 of the control unit 21 outputs a simulation condition setting screen 540 that can set a trade date to the display of the client terminal 10. Then, the condition acquisition unit 212 acquires information about the desired trade date through the simulation condition setting screen 540 and records it in the memory.

  If “change bonus month” is selected on the condition change type selection screen 530, the control unit 21 of the loan operation support server 20 executes a bonus month acquisition process (step S107). Specifically, the condition acquisition unit 212 of the control unit 21 outputs a simulation condition setting screen 540 that can set a bonus month to the display of the client terminal 10. Then, the condition acquisition unit 212 acquires information about the desired bonus month through the simulation condition setting screen 540 and records it in the memory.

  In addition, when “period reduction” is selected on the condition change type selection screen 530, the control unit 21 of the loan operation support server 20 executes a process for acquiring the number of repayments (step S108). Specifically, the condition acquisition unit 212 of the control unit 21 outputs a simulation condition setting screen 540 that can set the shortened number of repayments to the display of the client terminal 10. Through this simulation condition setting screen 540, information on the desired number of repayments is acquired and recorded in the memory.

  If “breakdown change (principal)” is selected on the condition change type selection screen 530, the control unit 21 of the loan business support server 20 executes a principal acquisition process (step S109). Specifically, the condition acquisition unit 212 of the control unit 21 outputs a simulation condition setting screen 540 that can set the breakdown change of the principal to the display of the client terminal 10. Then, the condition acquisition unit 212 acquires information on the desired breakdown change (principal) through the simulation condition setting screen 540 and records it in the memory.

  If “breakdown change (repayment amount)” is selected on the condition change type selection screen 530, the control unit 21 of the loan operation support server 20 executes a repayment amount acquisition process (step S110). Specifically, the condition acquisition unit 212 of the control unit 21 outputs a simulation condition setting screen 540 that can set a change of the breakdown of the repayment amount to the display of the client terminal 10. Then, the condition acquisition unit 212 acquires information regarding the breakdown change (repayment amount) through the simulation condition setting screen 540 and records it in the memory.

  When “repayment amount designation” is selected on the condition change type selection screen 530, the condition acquisition means 212 of the control unit 21 of the loan business support server 20 executes a repayment amount designation registration process (step S111). ). Specifically, the condition acquisition means 212 of the control unit 21 records in the memory that the repayment amount designation has been selected.

  Next, as shown in FIG. 5, for each selected interest rate, the control unit 21 of the loan business support server 20 executes a repayment plan calculation process to be described later (step S201). Specifically, the calculation management means 213 of the control unit 21 executes a repayment plan calculation process to be described later for each interest rate selected by the loan user and recorded in the memory of the condition acquisition means 212.

  When the repayment amount plan calculation processing is completed for all interest rates, the control unit 21 of the loan business support server 20 executes determination processing as to whether or not the repayment amount is designated (step S202). Specifically, the calculation management unit 213 of the control unit 21 determines whether or not the repayment amount designation selection is recorded in the memory of the condition acquisition unit 212.

  When the repayment amount designation is not selected (in the case of “NO” in step S202), the control unit 21 of the loan business support server 20 executes a determination process for condition reselection or registration completion (step S203). Specifically, the calculation management unit 213 of the control unit 21 makes a determination on the simulation result display screen 550 by reselecting conditions or selecting to end simulation.

  Here, when a registration completion instruction is input on the simulation result display screen 550 (in the case of “registration complete” in step S203), the control unit 21 of the loan operation support server 20 creates a necessary document according to the product attribute and status. A specific process is executed (step S207). Specifically, the calculation management unit 213 of the control unit 21 acquires the required document template from the required document management information storage unit 25 according to the type of loan used, the contents of the condition change, and the customer attribute. Then, the calculation management unit 213 transmits the necessary document template to the client terminal 10 so that the necessary document can be printed by the printing apparatus.

On the other hand, when a condition reselection instruction is input (in the case of “condition reselection” in step S203), the process returns to step S103 shown in FIG.
When the repayment amount designation is selected (in the case of “YES” in step S202), the control unit 21 of the loan business support server 20 executes the repayment amount designation and designated period acquisition processing (step S204). Specifically, the calculation management unit 213 of the control unit 21 notifies the condition acquisition unit 212 that the repayment plan calculation process has been completed. In this case, the condition acquisition unit 212 outputs a simulation condition setting screen 540 on which the repayment amount designation and the designated period can be set to the display of the client terminal 10. Then, the condition acquisition unit 212 acquires information regarding the desired repayment amount designation and the designated period through the simulation condition setting screen 540.

  Then, the control unit 21 of the loan business support server 20 executes a state calculation process at the end of the designated period (step S205). Specifically, the calculation management unit 213 of the control unit 21 calculates the acquired state (principal) at the end of the specified period by a repayment amount plan calculation process.

Then, the control unit 21 of the loan business support server 20 executes a repayment plan calculation process after the designated period ends (step S206). Specifically, the calculation management means 213 of the control unit 21 executes a repayment plan calculation process for the remaining repayment period using the principal at the end of the designated period.
Also in this case, the process after step S203 is repeated by checking the simulation result.

(Repayment plan calculation process)
Next, the repayment plan calculation process will be described with reference to FIGS.

First, the repayment plan calculation process when there is no partial prepayment or repayment amount designation will be described with reference to FIG.
Here, the control unit 21 of the loan business support server 20 executes a loan calculation formula specifying process (step S301). Specifically, the calculation management means 213 of the control unit 21 acquires the repayment method identifier from the loan user's use loan management record 230. Then, the loan calculation formula processing means 215 of the control unit 21 acquires the loan calculation formula associated with the repayment method identifier from the loan calculation formula information storage unit 24. Then, the calculation management unit 213 substitutes the latest interest rate recorded in the basic management information storage unit 22 and the parameter values recorded in the used loan management record 230 as initial values in the loan calculation formula. This initial value is changed by substituting each parameter described later.

  When “interest rate switching” is selected and the changed interest rate is acquired, the control unit 21 of the loan business support server 20 executes the changed interest rate setting process (step S302). Specifically, the loan calculation formula processing means 215 of the control unit 21 substitutes this interest rate as a parameter value into the loan calculation formula.

  When “change bonus month” is selected, the control unit 21 of the loan operation support server 20 executes a process of setting the number of months until the first bonus (step S303). Specifically, the calculation management means 213 of the control unit 21 calculates the number of months until the first bonus. Then, the loan calculation formula processing means 215 of the control unit 21 substitutes the number of months until the first bonus as a parameter value in the loan calculation formula.

  When “shortening the period” is selected, the control unit 21 of the loan operation support server 20 executes a process for setting the changed number of repayments (step S304). Specifically, the loan calculation formula processing means 215 of the control unit 21 substitutes the changed repayment count as a parameter value into the loan calculation formula.

  When “breakdown change (principal)” is selected, the control unit 21 of the loan operation support server 20 executes the setting process for the changed principal (step S305). Specifically, the loan calculation formula processing means 215 of the control unit 21 substitutes the changed principal amount into the loan calculation formula as a parameter value.

  When “breakdown change (repayment amount)” is selected, the control unit 21 of the loan operation support server 20 executes a desired repayment amount setting process (step S306). Specifically, the loan calculation formula processing means 215 of the control unit 21 substitutes the desired repayment amount as a parameter value into the loan calculation formula.

  Then, the control unit 21 of the loan business support server 20 executes a calculation process based on the loan calculation formula (step S307). Specifically, the loan calculation formula processing means 215 of the control unit 21 calculates the principal using the loan calculation formula.

  Then, the control unit 21 of the loan business support server 20 executes the setting process for the calculated principal (step S308). Specifically, the loan calculation formula processing means 215 of the control unit 21 substitutes the calculated principal amount as a parameter value into the loan calculation formula.

Then, the control unit 21 of the loan business support server 20 executes a repayment amount calculation process using a loan calculation formula (step S309). Specifically, the loan calculation formula processing means 215 of the control unit 21 calculates the repayment amount using a loan calculation formula in which each parameter value is substituted.

  In addition, even when “change of contract date” is selected and the changed contract date is acquired, the control unit 21 of the loan business support server 20 calculates the repayment amount using the loan formula with parameters already set. Is executed (step S309). Then, if “change of trade date” is selected, or if a condition change is performed on a date other than the trade day (“YES” in step S310), a daily step calculation process until the first repayment date is executed. (Step S311). Specifically, the calculation management means 213 of the control unit 21 calculates the number of days until the first repayment date, and calculates the interest by multiplying the number of days by the daily step (interest per day) and the principal.

  Then, after execution of the daily step calculation process (step S311) or when “change of contract date” is not selected (in the case of “NO” in step S310), the control unit 21 of the loan business support server 20 calculates the calculation result. (Repayment amount) output processing is executed (step S312). Specifically, the calculation management unit 213 of the control unit 21 outputs a simulation result display screen 550 including the calculated repayment amount on the display of the client terminal 10. In addition, when the daily walk is calculated in step S310, this interest is added to the initial repayment amount.

  Next, the repayment plan calculation process in the case where partial advance repayment is desired will be described with reference to FIG. Here, “interest rate switching”, “changing contract date”, “changing bonus month”, “shortening the period”, and “changing the breakdown” can be performed together.

  When “interest rate switching” is selected, the control unit 21 of the loan business support server 20 executes the changed interest rate setting process (step S401). Specifically, the calculation management means 213 of the control unit 21 substitutes the changed interest rate as a parameter value in the loan calculation formula.

  Then, the control unit 21 of the loan business support server 20 executes a calculation process based on the loan calculation formula (step S402). Thereby, the loan calculation formula processing means 215 of the control unit 21 calculates a repayment amount as a basis. This repayment amount is used when calculating the number of repayments in a simulation described later.

  When “partially advanced repayment” is selected, the control unit 21 of the loan operation support server 20 executes a balance ratio calculation process (step S403). Specifically, the calculation management means 213 of the control unit 21 calculates the balance of the principal for equal repayment and increased repayment on the condition change date using the current repayment amount. Then, the calculation management unit 213 calculates a balance ratio from the balance of equal repayment and the balance of increased repayment.

  Next, the control unit 21 of the loan business support server 20 executes a balance calculation process after partial advancement (step S404). Specifically, the calculation management means 213 of the control unit 21 subtracts the advance repayment amount from the loan balance (the sum of the balance of equal repayment and the balance of the increased repayment) on the condition change date, and obtains the loan balance after partial advancement. calculate.

  Then, the control unit 21 of the loan business support server 20 executes the distribution process equally / increasing using the balance ratio (step S405). Specifically, the calculation management means 213 of the control unit 21 distributes the loan balance to the balance of equal repayment and the balance of increased repayment according to the previously calculated balance ratio.

Next, the control unit 21 of the loan business support server 20 executes a determination process as to whether or not “period reduction” is selected (step S406). Specifically, the calculation management unit 213 of the control unit 21 determines whether or not the condition change receiving unit 211 has acquired the shortening period designated by the loan user for the period shortening.

  When “period reduction” is not selected (in the case of “NO” in step S406), the control unit 21 of the loan operation support server 20 uses the calculated repayment amount and the distributed balance after partial advancement. The simulation process is executed (step S407). Specifically, the simulation processing unit 214 calculates the number of repayments by repeatedly subtracting the repayment amount until there is no balance.

  Then, the control unit 21 of the loan business support server 20 executes setting processing for the calculated repayment count (step S408). Specifically, the calculation management means 213 of the control unit 21 substitutes the calculated repayment count as a parameter value into the loan calculation formula.

  On the other hand, when the shortening period “shortening period” is selected (“YES” in step S406), the control unit 21 of the loan operation support server 20 uses the number of repayments acquired by the condition acquisition unit 212, A repayment count setting process is executed (step S408).

  If “change bonus month” is selected, the control unit 21 of the loan operation support server 20 executes a process for setting the number of months until the first bonus (step S409). Specifically, the calculation management means 213 of the control unit 21 calculates the number of months until the first bonus. Then, the loan calculation formula processing means 215 of the control unit 21 substitutes the number of months until the first bonus as a parameter value in the loan calculation formula.

  When “breakdown change (principal)” is selected, the control unit 21 of the loan operation support server 20 executes a setting process for the changed principal (step S410). Specifically, the loan calculation formula processing means 215 of the control unit 21 substitutes the changed principal amount into the loan calculation formula as a parameter value.

  When “breakdown change (repayment amount)” is selected, the control unit 21 of the loan operation support server 20 executes a desired repayment amount setting process (step S411). Specifically, the loan calculation formula processing means 215 of the control unit 21 substitutes the desired repayment amount as a parameter value into the loan calculation formula.

  Then, the control unit 21 of the loan business support server 20 executes a calculation process based on the loan calculation formula (step S412). Specifically, the loan calculation formula processing means 215 of the control unit 21 uses the currently set repayment count to calculate an equal or increased principal based on the loan calculation formula.

  Then, in the loan calculation formula processing means 215, the control unit 21 of the loan business support server 20 executes a repayment amount calculation process using the loan calculation formula (step S413). Specifically, the loan calculation formula processing means 215 of the control unit 21 calculates the repayment amount using a loan calculation formula in which each parameter value is substituted.

  In addition, even when “change of contract date” is selected and the changed contract date is acquired, the control unit 21 of the loan business support server 20 calculates the repayment amount using the loan formula with parameters already set. Is executed (step S413).

As shown in FIG. 8, when “change of contract date” is selected, or when a condition change is performed on a date other than the contract date (“YES” in step S 414), the date until the first repayment date is reached. A daily walk calculation process is executed (step S415). Specifically, the calculation management means 213 of the control unit 21 calculates the number of days until the first repayment date, and multiplies the number of days by the daily step (interest rate per day) and the principal to calculate interest.

  Then, after execution of the daily step calculation process (step S415) or when “change of contract date” is not selected (in the case of “NO” in step S414), the control unit 21 of the loan business support server 20 calculates the calculation result. (Repayment amount) output processing is executed (step S416). Specifically, the calculation management unit 213 of the control unit 21 outputs a simulation result display screen 550 including the calculated repayment amount on the display of the client terminal 10. If the daily steps are calculated in step S414, this interest is added to the initial repayment amount.

Next, processing when “repayment amount designation” is selected will be described with reference to FIG.
In this case, the control unit 21 of the loan business support server 20 executes processing for acquiring a specified amount and a specified period (step S501). Specifically, the condition acquisition unit 212 of the control unit 21 outputs a simulation condition setting screen 540 to the display of the client terminal 10. The simulation condition setting screen 540 is provided with an input field for setting a designated amount and a designated period for the repayment amount designation.

  Then, when a specified amount or a specified period is set on the simulation condition setting screen 540, the control unit 21 of the loan business support server 20 executes a state calculation process at the end of the specified period (step S502). Specifically, the calculation management unit 213 of the control unit 21 calculates the balance of the principal at the end of the specified period.

  Next, the control unit 21 of the loan business support server 20 executes a calculation process using a loan calculation formula (step S503). Specifically, the loan calculation formula processing means 215 of the control unit 21 calculates the repayment amount by substituting the principal balance at the end of the specified period into the loan calculation formula as a parameter value.

  Then, the control unit 21 of the loan business support server 20 executes a calculation result (repayment amount) output process (step S504). Specifically, the calculation management means 213 of the control unit 21 outputs a simulation result display screen 550 including the repayment amount after the end of the specified period on the display of the client terminal 10.

According to this embodiment, the following effects can be obtained.
In the present embodiment, the control unit 21 of the loan business support server 20 executes loan calculation formula specifying processing (step S301). And the control part 21 performs the setting process of various parameter values (step S302-S306, S308, S408, S409, S410, S412). As a result, when the condition is changed, the repayment amount is calculated by substituting it into the loan calculation formula. When calculating the repayment count, it is possible to calculate the exact repayment count by executing a simulation process (S407) that repeats the repayment. In this case, the calculated repayment count is again expressed in the loan formula. Substitute (S413). Therefore, a consistent repayment plan can be calculated in each condition change.

  -In this embodiment, when "interest rate switching" is selected, the control part 21 of the loan operation | work assistance server 20 performs the setting process of the changed interest rate (step S401). And the control part 21 performs the calculation process by a loan calculation formula (step S402). Thereby, the loan calculation formula processing means 215 of the control unit 21 calculates a repayment amount as a basis. As a result, a value as a basis for the simulation can be calculated according to the change in interest rate, and a simulation result suitable for the current situation can be calculated.

In addition, you may change each said embodiment as follows.
In the above embodiment, the repayment amount is increased during the specified period in this repayment amount designation service, but it may be reduced in addition to this. In this case, a limit value that can be reduced (for example, an allowable rate) is recorded in the basic management information storage unit 22. Then, the control unit 21 of the loan business support server 20 allows a reduction within this allowable range. As a result, the flexibility of the repayment method can be secured and the convenience of the loan user can be achieved.

  In the above embodiment, the repayment plan calculation processing is executed on the loan business support server 20 side by the client server method, but may be calculated on the client terminal 10 side. In this case, the client terminal 10 acquires data necessary for calculation (information recorded in the basic management information storage unit 22) from the loan business support server 20. Further, all information may be stored in a stand-alone computer terminal and the repayment plan calculation process may be executed independently.

  ○ In the above embodiment, “Interest rate change”, “Partial advance repayment”, “Change of trade date”, “Change of bonus month”, “Shorten period”, “Breakdown change (principal)”, “Breakdown change” In the “repayment amount” and “repayment amount designation”, a repayment plan calculation process is executed by combining desired condition changes. The content of the condition change is not limited to this, and some or a combination of these may be used. Further, regarding the loan period, “period extension” may be possible.

  In the above embodiment, the contents of the condition change are acquired using the client terminal 10 installed at the window of the financial institution. The client terminal 10 is not limited to this as long as the client terminal 10 can accept the conditions desired to be changed. For example, the loan user's own computer terminal may be connected to the loan business support server 20 via a network such as the Internet to execute the repayment plan calculation process.

  DESCRIPTION OF SYMBOLS 10 ... Client terminal, 20 ... Loan business support server, 21 ... Control part, 211 ... Condition change reception means, 212 ... Condition acquisition means, 213 ... Calculation management means, 214 ... Simulation processing means, 215 ... Loan calculation formula processing means, 22 ... Basic management information storage unit, 23 ... Usage loan management information storage unit, 24 ... Loan calculation formula information storage unit, 25 ... Necessary document management information storage unit.

Claims (4)

Loan information storage means for recording an interest rate method and a loan balance for a customer identifier of a customer providing a loan;
Interest rate information storage means that records the interest rate applied to the loan;
A loan business support system that is connected to the input / output means and includes a control means that calculates a repayment plan using a loan calculation formula for calculating repayment conditions,
The control means is
When obtaining a customer identifier from the input / output means, obtain an interest rate method and a loan balance from the loan information storage means,
Output a condition change acceptance screen for accepting changes in repayment conditions to the input / output means,
In the condition change accepting screen, when obtaining the partial advance repayment and the interest rate switching request, the change date set in the condition change accepting screen is obtained from the input / output means, and from the interest rate information storing means. Substituting the interest rate after the change date as a variable in the loan calculation formula, and executing the repayment plan calculation process to calculate the repayment amount as the basis,
Using the current repayment amount, calculate the balance of the principal for equal and incremental repayments on the date of change, calculate the balance ratio from the balance of equal repayment and the balance of increased repayment, and advance from the loan balance on the date of change Subtract the repayment amount to calculate the loan balance after partial advancement, and distribute the loan balance to the balance of equal repayment and the balance of increased repayment according to the balance ratio,
Until the balance runs out, repeatedly subtract the repayment amount that is the basis, calculate the number of repayments,
Substituting the calculated number of repayments into a loan formula as a parameter value, and executing a prepayment process for recalculating the repayment amount,
A loan business support system for executing a repayment plan calculation process for outputting a simulation result display screen including the recalculated repayment amount .   In the condition change acceptance screen, when a request for repayment amount designation is acquired, the repayment amount is calculated by the repayment plan calculation process, and the repayment amount is output to the input / output means,
  From the input / output means, obtain a designated repayment amount and a designated period that are equal to or greater than the repayment amount
  The loan balance after the end of the specified period is calculated, and the repayment amount is calculated by substituting the loan balance and the number of repayments after the specified period into the loan calculation formula. Loan business support system. Loan information storage means for recording an interest rate method and a loan balance for a customer identifier of a customer providing a loan;
Interest rate information storage means that records the interest rate applied to the loan;
A method for executing a loan business support process using a loan business support system, which is connected to an input / output means and includes a control means for calculating a repayment plan using a loan formula for calculating repayment conditions Because
The control means is
When obtaining a customer identifier from the input / output means, obtain an interest rate method and a loan balance from the loan information storage means,
Output a condition change acceptance screen for accepting changes in repayment conditions to the input / output means,
In the condition change accepting screen, when obtaining the partial advance repayment and the interest rate switching request, the change date set in the condition change accepting screen is obtained from the input / output means, and from the interest rate information storing means. Substituting the interest rate after the change date as a variable in the loan calculation formula, and executing the repayment plan calculation process to calculate the repayment amount as the basis,
Use the current repayment amount to calculate the balance of the principal for equal and incremental repayments on the date of change, calculate the balance ratio from the balance of equal repayment and the balance of increased repayment, and advance from the loan balance on the date of change Subtract the repayment amount to calculate the loan balance after partial advancement, and distribute the loan balance to the balance of equal repayment and the balance of increased repayment according to the balance ratio,
Until the balance runs out, repeatedly subtract the repayment amount that is the basis, calculate the number of repayments,
Substituting the calculated number of repayments into a loan formula as a parameter value, and executing a prepayment process for recalculating the repayment amount,
A loan business support method, wherein a repayment plan calculation process for outputting a simulation result display screen including the recalculated repayment amount is executed. Loan information storage means for recording an interest rate method and a loan balance for a customer identifier of a customer providing a loan;
Interest rate information storage means that records the interest rate applied to the loan;
A program that executes a loan business support process using a loan business support system that is connected to the input / output means and includes a control means for calculating a repayment plan using a loan calculation formula for calculating repayment conditions. Because
The control means;
When obtaining a customer identifier from the input / output means, obtain an interest rate method and a loan balance from the loan information storage means,
Output a condition change acceptance screen for accepting changes in repayment conditions to the input / output means,
In the above condition change acceptance screen, when a request for partial prepayment and interest rate switching is acquired, a repayment plan calculation process for calculating a repayment amount as a basis is executed,
Using the current repayment amount, calculate the balance of the principal for equal and incremental repayments on the date of change, calculate the balance ratio from the balance of equal repayment and the balance of increased repayment, and advance from the loan balance on the date of change Subtract the repayment amount to calculate the loan balance after partial advancement, and distribute the loan balance to the balance of equal repayment and the balance of increased repayment according to the balance ratio,
Until the balance runs out, repeatedly subtract the repayment amount that is the basis, calculate the number of repayments,
Substituting the calculated number of repayments into a loan formula as a parameter value, and executing a prepayment process for recalculating the repayment amount,
A loan business support program which functions as means for executing a repayment plan calculation process for outputting a simulation result display screen including the recalculated repayment amount .

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