JP5473967B2 - Fund leveling system - Google Patents

Description

  The present invention relates to a fund leveling system provided from a bank to a company so that a general company or the like does not have difficulty in financial management due to a temporary expense that occurs seasonally.

  In general companies, for example, when funds for new construction or maintenance of facilities are required, funds are raised from their own internal reserves or funded by bank loans. However, in either case, spending tends to be concentrated at one time, and cash flow may deteriorate. The success or failure of such a financial plan depends largely on the management ability of the manager. For this reason, a system for managing fund management by a computer has also been introduced (see Patent Document 1).

JP 2004-302979 A

The known prior art has the following problems to be solved.
There are many small and medium-sized enterprises whose management fails due to a sloppy financial plan, even though they can continue their business smoothly if they do not overdo it. If a bank hesitates to avoid risk, the management of SMEs becomes increasingly difficult. Although advice from an accounting specialist such as a tax accountant is necessary, the tax accountant can grasp the flow of funds of a company at the end of the month when the account book is organized, for example, and the timing may be delayed.
The present invention has been made to solve the above problems, and an object of the present invention is to provide a fund leveling system that combines a large number of periodic deposits and remittance source accounts.

The following configurations are means for solving the above-described problems.
<Configuration 1>
Fixed volume management acceptance that accepts input of management application data including applicable data for multiple periodic deposits that specify the depositor name, item name to be paid, monthly reserve, maturity date, priority, and remittance source account Means, a periodic deposit account opening means for executing a process of opening a periodic deposit account to which the management application data is input, and the monthly reserve amount specified for the periodic deposit account is automatically determined every month. Remittance source designation means for designating a single remittance source account for debiting the corresponding amount for remittance, and withdrawing the corresponding amount from the remittance source account, for the plurality of periodic deposit accounts, A debit processing means for executing a process for automatically remitting the designated monthly reserve amount every month, and a process for automatically remitting the monthly to the deduction processing means, Remittance order control means for controlling to execute within the range in which remittance is possible from the highest priority in the order of specified priority, and the periodic deposit account name that executed the process of automatically remitting the monthly reserve amount When the remittance process to a low-priority periodic deposit account due to a shortage of balance of the remittance source account is canceled, a report containing the name of the scheduled deposit account that stopped the transfer process and the reason for the cancellation was generated. A fund leveling system characterized by comprising: a report generation means for outputting the report.

<Configuration 2>
In the fund leveling system according to Configuration 1, the remittance source account is an account for remittance to all items subject to expenses for which a periodic deposit account has been opened, and the management application data is a depositor Automatically extracted on the basis of the amount of expenses that are extracted from the ledger data, and that are more than a certain amount, and that are related to periodic spending across the month or items that are subject to spending irregularly A fund leveling system characterized by being extracted.

<Configuration 3>
In the fund leveling system according to Configuration 1 or 2, for each of the periodic deposit accounts, a management card on which a designated item including at least the item name to be spent, a monthly reserve amount, a maturity date, and a priority is printed. Fund leveling system characterized by having a printer to issue.

<Configuration 4>
In the fund leveling system according to any one of Structures 1 to 3, the ledger data is displayed, a designation means for designating whether or not the item is an important expense target item is displayed, and a designated result is obtained. A fund leveling system comprising first extraction means for generating a periodic deposit candidate list.

<Configuration 5>
5. The fund leveling system according to Configuration 4, wherein the periodic deposit candidate list is displayed by totaling and displaying a monthly total transfer amount.

<Configuration 6>
In the fund leveling system described in Configuration 5, the periodic deposit candidate list and the designation means for designating the priority for each periodic deposit target are displayed, the designated result is obtained, and the management application data A fund leveling system comprising a second extraction means for generating

<Configuration 7>
A fund leveling system program for causing a computer to function as each means according to any one of configurations 1 to 6.

<Configuration 8>
A computer-readable recording medium on which the fund leveling system program according to Configuration 7 is recorded.

<Effect of Configuration 1>
By making monthly transfers to a large number of periodic deposit accounts from a single remittance source account, it is possible to level out expenses for a large number of items subject to expenses in terms of time. Furthermore, if remittances to low-priority periodic deposit accounts are automatically canceled, the fund management can be reviewed.
<Effect of Configuration 2>
Regular or irregular expenses are extracted from the depositor's ledger data over a certain month or more. Opening a regular deposit account for each of these will greatly enhance the benefits of leveling expenses. At the same time, if you send money from a single source account, the flow of funds becomes clear.
<Effect of Configuration 3>
If the bank prints the management card and provides it to the depositor, the depositor can use the management card widely for purchase plans and budget reviews for each item to be spent.
<Effect of Configuration 4>
It is possible to automatically generate a periodic deposit candidate list from the ledger data and to make a plan for periodic deposit.
<Effect of Configuration 5>
If the total deposit amount for each month is displayed in the regular deposit candidate list, the regular deposit plan can be evaluated and reviewed.
<Effect of Configuration 6>
Priorities can be determined while comparing the entire items. In addition, it is possible to automatically generate management application data in which priorities are entered for submission to the bank.

It is a graph which shows the time change of the fund demand in a certain company. It is explanatory drawing which shows the relationship between fixed deposit and fund demand. It is a system block diagram for money management using a periodic deposit of a bank. It is explanatory drawing which shows the specific example of a management card | curd. It is explanatory drawing of the other material provided from a bank. It is explanatory drawing of a loan process. FIG. 4 is an explanatory diagram of an arithmetic processing unit for automatically operating the system of FIG. 3. It is a processing operation flowchart at the time of a regular deposit account opening. It is an operation | movement flowchart of a monthly withdrawal process. It is explanatory drawing of the process which extracts the expense object item of a periodic deposit account.

FIG. 1 is a graph showing temporal changes in fund demand in a certain company.
The vertical axis of this graph represents the expense amount and the horizontal axis represents the passage of time. The fund demand in the example in the figure shows a change for about one year. The broken line is the actual change. In this way, if there is a large demand for funds several times a year, the management of a company will not be possible if there is not enough funds for the current account. In some cases, there is a need to obtain a loan for funding once every few years. In the present invention, such an expense is leveled like a one-dot chain line.

FIG. 2 is an explanatory diagram showing the relationship between the periodic deposit and the demand for funds.
In the present invention, a regular deposit system is used for leveling out expenses that are not affected by changes in the demand for funds as described above. In the example of FIG. 2, an example is shown in which a regular deposit account is opened for each of three types of expense target items A, B, and C. For example, A is a purchase target item such as replacement of a business vehicle, B replacement of office equipment, and C repair of equipment.

  For the expense item A, a demand for funds is generated every five years. For the expense target item B, funds are generated every two years. With respect to the item subject to expense C, a demand for funds is generated in one and a half years. In addition, any expense is repeated periodically. For each of these items subject to expenditure, a certain amount is accumulated in the regular deposit account each month. Use one remittance account. In this way, the amount automatically deducted from the remittance source account becomes almost constant every month as shown in the figure.

  Here, for example, it is assumed that the expiry date has been reached for the item C to be expensed. At that time, the full amount is withdrawn and the cost is paid for the item subject to C. Immediately thereafter, a new periodic deposit account is opened for the item to be spent on C, and accumulation starts. For items subject to spending that are scheduled to be spent on a regular basis, the regular deposit account is used for this purpose.

  Making a deposit with a certain goal is more common than ever. However, it is not enough to open up a regular deposit account by arbitrarily selecting a large expense item for the purpose of leveling the funding demand of a company. A certain standard value is set, and a regular deposit account is opened independently for almost all items subject to expenses that exceed the standard value.

  Periodic deposits are premised on the accumulation of multiple months, so items related to items subject to expenses that occur regularly or irregularly after multiple months are targeted. At the same time, a single remittance source account is set, and a set amount is set to be transferred from this single remittance source account to all periodic deposit accounts every month. Furthermore, “priority” is set for each periodic deposit account.

  As described above, when a certain amount of money is always paid at a certain period, the time when the money should be spent is set to the maturity date, and the amount is saved every month. Expenses for items planned at maturity. Establishing such a regular deposit account for all major corporate spending will almost completely level out corporate spending. If the schedule disappears, the schedule becomes unnecessary, or the schedule is deferred, the account can be unconditionally suspended or the account maturity date can be changed.

  Periodic deposits are made on the assumption that the expenses have been spent in the state prior to the expenses, so it can be reviewed at the planning stage. Personnel expenses such as bonuses, insurance premiums, etc. are accumulated by dividing the period almost every year. On the other hand, materials of products produced in factories are excluded from this target because they are purchased and spent on average every month. However, parts and materials that are purchased together and stockpiled should be included in this target.

  For example, sales and other amounts are deposited in a remittance source account that transfers money to these regular deposit accounts. And a certain amount for regular deposit is spent from among them. If the remaining amount can be used for monthly fund management, corporate financial management can be performed normally. If the balance is small and proper operation is not possible when the remittance is completed, the regular deposit may be reviewed. In other words, it is only necessary to postpone purchases for items that are purchased at regular intervals, or to cancel purchases for items with low priority. Fund management is performed according to the above procedure.

  The bank performs the deposit / withdrawal processing of the regular deposit account and the source account as described above, and can check the status of the source account in real time. Therefore, the priority of the periodic deposit account is notified to the bank, and a system peculiar to the bank is constructed. That is, the bank remits the corresponding amount from the remittance source account to the regular deposit account every month based on the depositor's request. At this time, the bank calculates the total amount of remittance and the account balance after the withdrawal of the remittance source account. A lower limit is set in advance in the account balance after the remittance source account is withdrawn, and if it falls below the lower limit, a service that notifies the depositor to that effect may be provided.

  Further, for example, the remittance process is executed in the order of the designated priority within a range in which remittance is possible from the one with the highest priority. In the unlikely event that remittance to one of the regular deposit accounts becomes impossible due to a shortage of the balance of the remittance source account, the remittance processing to the regular deposit account with a low priority is stopped. The result is reported to the depositor. In addition, it provides various information services to companies that are depositors.

FIG. 3 is a system block diagram for fund management using a periodic deposit of a bank.
In the figure, a fund leveling system 10 is realized by a bank computer 12 that manages deposit accounts and the like at a bank. Using the arithmetic processing unit of the computer 12 of the bank, the input of the management application data 20 is accepted from the depositor, and the periodic deposit account 34 is opened. At the same time, the remittance source account 32 is designated. Then, automatic withdrawal management is performed, and management reports 54a and 54b useful for depositor's funds management are issued. Hereinafter, the procedure will be described in more detail.

  First, the depositor inputs the management application data 20 to the bank computer 12. Specify the depositor name, expense item name, monthly reserve, maturity date, priority, and remittance source account. Of course, the bank clerk may input this data based on the depositor's request. As a result, the regular deposit account 34 is opened. The regular deposit account 34 is opened individually for each expense target item. And it sets so that remittance may be performed from the single remittance source account 32 with respect to all the periodic deposit accounts. In the existing periodic deposit system, when a plurality of periodic deposit accounts are set, each account is handled completely independently.

  On the other hand, in the present invention, as will be described later, a remittance process considering priority is performed for a large number of periodic deposit accounts 34. The storage device 14 includes, for example, a list of periodic deposit accounts 34 to be handled in a lump, management application data 20 for each periodic deposit account 34, and a package collective management data 36 including a template of a management report 54 and the like. Is memorized. When the automatic withdrawal process is executed with reference to the collective deposit management data 36, for example, management reports 54a and 54b as shown in the figure are issued.

  A periodic deposit account list is printed on the management report 54a. This is data that clarifies all fixed deposit accounts and informs depositors that they have processed them all together. In addition, the withdrawal amount from the remittance source account 32 of this month and the scheduled withdrawal amount of next month are displayed. This encourages depositors to plan their funds. Further, the total accumulated amount of the current periodic deposit account 34 and the remaining amount of the remittance source account 32 are displayed.

  It is desirable that the bank submits the management report 54a to the depositor immediately after the automatic withdrawal process. By presenting these data in real time as much as possible, depositors can make detailed funding plans. On the other hand, when the process of automatically transferring money every month is performed in the order of specified priority from the highest priority, the account balance of the remittance source account 32 may be insufficient. At this time, the withdrawal process is executed within the remittable range, and the remittance to the remaining periodic deposit account 34 is stopped. Then, a management report 54b indicating that the withdrawal could not be made is created. In this management report 54b, it is preferable to display a list of periodic deposit accounts 34 for which remittance has been stopped, an amount to be remittance, and an account balance of the remittance source account 32. In this way, the depositor's attention is urged, and measures such as canceling the expense plan for the expense target items with low priority are taken.

FIG. 4 is an explanatory diagram showing a specific example of the management card.
As another service described above, the bank issues a management card 60 shown in the figure every time a fixed deposit account 34 is opened for a depositor. The management card 60 is printed by the printer 17. On the management card 60, as shown in the figure, the periodic deposit account number, the expense item name, and the priority of the item are printed. In addition, a budget amount (maturity amount), a monthly reserve, a start date and a maturity date, etc. are printed for the items to be expensed.

  The depositor may enter in the management card 60, for example, the necessity of the expense target item, the relationship with other items, and other various precautions as annotations. You can remember what you were aware of when you opened a regular deposit until it expires.

  The management card 60 may be discarded when it expires, and a new management card 60 may be used for a periodic deposit account newly opened for the same expense target item. Of course, the expiration date of the management card 60 may be rewritten and reused. By holding the management card 60 for all the time deposit accounts and confirming the expenses each time, the main money management can be surely executed systematically. As long as the withdrawal process is proceeding smoothly, various expenses can be executed without the administrator having to determine whether or not to pay again. Therefore, it also leads to automation of cash management.

FIG. 5 is an explanatory diagram of other materials provided by the bank.
The time deposit account management ledger 54 c shown in FIG. 5 is included in a part of the management report 54. This is a list showing how much money is repatriated for each deposit to the depositor every month. They are listed in order of priority, for example. As a result, it is possible to compare the items to be spent in each periodic deposit account that has been repaid this month in consideration of the priority. As a result, the depositor can review and improve the expense plan. Such a management ledger is very useful for companies, and services such as receiving payments from banks are also possible.

FIG. 6 is an explanatory diagram of loan processing.
When a company that is a depositor has opened many regular deposit accounts, a considerable amount of funds is withdrawn from the source account. Funds for regular deposits and funds for those that did not have regular deposits are generated in parallel. For this reason, for example, at the beginning of introducing this system, there may be a shortage of funds on hand. At this time, the bank has a deposit equivalent to the cumulative total of the periodic deposits. If the bank makes a loan at least within the range of this deposit, the bank can safely and securely lend without risk of burning.

  Therefore, when the loan application data 64 is input, the loan collective management data 36 stored in the storage device 14 is referred to automatically calculate a planned loan amount by subtracting the past loan amount, A report 66 for the loan determination process can be created. The report 66 is for presenting the calculation result to the bank administrator. By using the above data, it is possible to automatically calculate a safe loan amount and create a loan decision document.

  If a company receives a loan with collateral deposits before the maturity date, the company cannot use the collateral deposits for other purposes before maturity. Therefore, there is an effect that a safe and advantageous fund management can be performed for the bank. On the other hand, companies can equalize the demand for funds using regular deposits from banks, receive services such as due date management for payable items and balance management of remittance source accounts, and receive loans under favorable conditions. There is an effect.

FIG. 7 is an explanatory diagram of an arithmetic processing unit for automatically operating the system of FIG.
The arithmetic processing unit 16 shown in the figure is provided with a fixed volume management accepting means 38, a periodic deposit account opening means 40, a remittance source account specifying means 42, a withdrawal processing means 44, a remittance order control means 46, and a report generating means 48. It has been.

  The computer program executed by the arithmetic processing unit 164 in the figure causes the computer to function as each illustrated means. The program may be modularized or integrated with each functional block. Further, this computer program may be incorporated in an existing application program. The program can be recorded and installed on a computer-readable recording medium such as a CD-ROM, or can be downloaded through a network.

  The function of each means will be described with reference to FIGS. The fixed volume management acceptance means 38 is data for management application including corresponding data for a plurality of periodic deposits that specify a depositor name, an expense item name, a monthly reserve amount, a maturity date, a priority, and a remittance source account. It has a function to accept 20 inputs. The regular deposit account opening means 40 has a function of executing a process for opening the regular deposit account 34 to which the management application data 20 is input.

  The remittance source designation means has a function of designating a single remittance source account from which the corresponding amount is deducted in order to automatically remit the monthly reserve amount designated for the periodic deposit account every month. The debit processing means has a function of executing a process of automatically debiting the designated monthly reserve amount every month to the plurality of periodic deposit accounts by deducting the corresponding amount from the remittance source account.

  The remittance order control means 46 has a function of controlling the debit processing means to execute the automatic remittance process every month in the designated priority order from the highest priority to the remittable range. Have. The report generation means 48 performs a remittance process to a periodic deposit account with a low priority due to a shortage of balances of the remittance source account and a list of regular deposit account names that have been processed to automatically remit the accumulated amount every month. When canceling, it has a function to generate and output a report including the name of the regular deposit account that canceled the remittance processing and the reason for canceling.

FIG. 8 is a flowchart of the processing operation when opening a regular deposit account.
First, in step S11, the fixed volume management receiving means 38 performs processing for receiving the management application data 20. In step S12, the regular deposit account opening means 40 opens the regular deposit account 34. Subsequently, the remittance source account designating unit 42 designates the remittance source account in step S13. As a result of the above processing, the deposit collective management data 36 is stored in the storage device 14 in step S14. Thereafter, the printer 17 prints and issues the management card 60 in step S15.
For example, when there is sales of 8 million yen every month, 5 million yen is sent to a regular deposit account every month, and the remaining 3 million yen is used for monthly cash settlement.

FIG. 9 is an operation flowchart of the monthly withdrawal process.
In step S21, the withdrawal processing means 44 selects the periodic deposit account 34 to be managed. Next, the date data on the processing day is referred to in step S22. In step S23, the deposit collective management data 36 stored in the storage device 14 is referred to. In step S24, preparation for automatic withdrawal processing is made. This is a process of reading the account balance of the remittance source account 32 and the monthly withdrawal amount of the periodic deposit account 34. In step S25, the amounts are compared.

  In step S26, it is determined whether the withdrawal is possible. If the result of this determination is yes, the process proceeds to step S27, and if no, the process proceeds to step S28. In step S27, a withdrawal process is executed. In step S28, it is determined whether or not all the periodic deposit accounts 34 have been selected. If the result of this determination is yes, the process proceeds to step S29. If no, the process returns to step S21. In step S28, the management report 54 is printed. By receiving a monthly report of the balance of the remittance source account from the bank, for example, it can also be confirmed when the account balance of the remittance source account falls below a preset lower limit. For example, if there is a display such as “Caution”, the depositor can consciously manage the deposit to the remittance source account.

FIG. 10 is an explanatory diagram of the process of extracting the expense target items of the regular deposit account.
It is not easy for managers of companies to decide on items to spend based on experience and feeling. Therefore, here, a material for determining an item to be expensed for automatically opening a periodic deposit account is generated. First, the general ledger data 56 for one year or several years for the financial management of the depositor is prepared.

  The ledger data 56 is original data that describes details of every money in / out created by a depositor to prepare financial statements. The ledger data 56 is stored in a computer storage device. In this ledger data 56, income, expenditure, date, amount, description, remittance destination, etc. are entered. If you look at the ledger data, you can list all the expenditures of the company.

  Then, the computer automatically extracts a spending amount that exceeds a certain limit amount, and is a periodic spending across months or an expense target item that occurs irregularly. For example, the fixed limit is 30,000 yen. Instead of regular monthly expenses, expenses such as every two months or every three months correspond to regular expenses across the month. Occasional expenses include equipment repair expenses, etc., but this should be included in the items subject to expenses after calculating the average number of times and costs incurred over a span of several years.

  The extracting means 67 shown in FIG. As a result, a periodic deposit candidate list 68 as shown in the figure is automatically generated. Prior to the automatic extraction, for example, as shown in the figure, the ledger data 56 is displayed on the computer display, and the person in charge of the company is requested to input the importance. In this case, the degree of importance may be such as necessary, unnecessary, or unknown. By extracting only the items that have been checked, it is possible to further narrow down the regular deposit candidates. That is, the first extraction unit of the computer displays the ledger data 56, displays a designation unit for designating whether the item is an important expense target item, and acquires the designated result. The result is a regular deposit candidate list 68.

  In the regular deposit candidate list 68, it is preferable to total and display the total amount transferred every month. As a result, a financial plan including a monthly payment schedule in consideration of the sales of the company can be made. That is, if the regular deposit candidate list 68 is viewed, it is possible to narrow down the target of regular deposit in consideration of the sales of the company. After determining the target of periodic deposit, the person in charge of the company inputs a priority display such as A, B, C, and D in the priority column provided in the regular deposit candidate list 68. With this operation, it is possible to suppress urgent expenses, keep the monthly total transfer amount at an appropriate value, and optimize the regular deposit candidate list 68. The management application data 20 may be automatically generated from the optimized periodic deposit candidate list 68 thus optimized. That is, the second extraction means of the computer displays the regular deposit candidate list 68 and designation means for designating priority for each regular deposit target. Then, the designated result is acquired to generate management application data.

  As described above, when periodic expenses or irregular expenses that exceed a certain limit amount are extracted from the depositor's ledger data, and a periodic deposit account is opened for each of these expenses, the expenses are leveled. The effect of will become great. At the same time, if you send money from a single source account, the flow of funds becomes clear.

  In other words, a candidate list for periodic deposits is created with priority assigned to all items to be expensed. This can be used as management application data for the bank as it is. This is the most effective method for setting up a regular deposit account when using the above system. Since the process for selecting candidates for periodic deposits as described above can be automated by a computer, a specific and detailed study is possible.

  When the above system is used, the state of the company's remittance source account and the periodic deposit account accurately reflect the company's fund management state. If the bank reports the results to the company one after another, it can be used to manage the company. In addition, regular deposit accounts are near interest free. If you receive a loan from a bank for working capital while leaving a regular deposit account, you will be charged interest separately. The difference in interest seems to lead to corporate losses. However, such management services are worth more than interest rates.

  Reading a bank report is much easier to understand and secure than managing cash while predicting future spending and future income. In addition, the company's creditworthiness increases when the regular accumulation is done smoothly. In addition, when it is not possible to withdraw and reserve the low-priority items subject to expense, it will be an opportunity to review the management, so that it is possible to respond quickly.

  Since the total amount of periodic deposits and the total amount of capital will be used as financial resources for working capital, it is in line with the actual situation and it is easier to plan corporate funds. In addition, the current ratio and the quick ratio, which are the management indicators of the company, are improved, which has the effect of raising the objective evaluation of the company.

10 Fund Leveling System 12 Bank Computer 14 Storage Device 16 Arithmetic Processing Device 17 Printer 20 Management Application Data 24 Expense Target Item Name 26 Monthly Reserve 28 Expiration Date 30 Priority 32 Remittance Source Account 34 Regular Deposit Account 36 Deposit Collective management data 38 Fixed volume management acceptance means 40 Periodic deposit account opening means 42 Remittance source account designation means 44 Withdrawal processing means,
46 Remittance ranking control means,
48 Report generation means 54 Management report 56 Depositor's ledger data 60 Management card 64 Loan application data 66 Report 67 Extraction means 68 Periodic deposit candidate list

Claims (7)

Fixed volume management acceptance that accepts input of management application data including applicable data for multiple periodic deposits that specify the depositor name, item name to be paid, monthly reserve, maturity date, priority, and remittance source account Means,
A periodic deposit account opening means for executing a process of opening a periodic deposit account to which the management application data is input;
A remittance source account designating means for designating a single remittance source account for deducting a corresponding amount in order to automatically remit the monthly reserve amount specified for the periodic deposit account every month;
Withdrawing the corresponding amount from the remittance source account, with respect to the plurality of periodic deposit accounts, a deduction processing means for executing a process of automatically remitting the specified monthly reserve amount every month,
Remittance order control means for controlling the debit processing means to execute the remittance process automatically every month in the specified priority order within a range in which remittance is possible from the highest priority,
A list of periodic deposit account names that have executed the process of automatically transferring the monthly reserve amount, and when remittance processing to a low-priority scheduled deposit account due to insufficient balance of the remittance source account, A report generating means for generating and outputting a report including the name of the periodic fund account for which processing was canceled and the reason for the cancellation;
The remittance source account shall be an account for remittance to all items subject to expenses for which periodic deposit accounts have been opened, and the management application data is extracted from the depositor's ledger data, , Characterized in that it is an amount of expenses that exceeds a certain limit and is automatically extracted on the basis of regular expenses across the month or related to items subject to expenses that occur irregularly Fund leveling system. The fund leveling system according to claim 1 ,
A fund leveling system comprising a printer that issues a management card that prints at least a specified item including the item name to be spent, a monthly reserve, a maturity date, and a priority for each periodic deposit account. System. In the fund leveling system according to claim 1 or 2 ,
A first extraction unit for displaying the ledger data, displaying a designation unit for designating whether the item is an important expense target item, obtaining a designated result, and generating a periodic deposit candidate list; Fund leveling system characterized by that. In the fund leveling system according to claim 3 ,
A fund leveling system characterized in that the total deposit amount for each month is tabulated and displayed in the periodic deposit candidate list. In the fund leveling system according to claim 4 ,
A second extraction means for displaying a periodic deposit candidate list and a designation means for designating a priority for each target of the periodic deposit, obtaining a designated result, and generating management application data is provided. Fund leveling system characterized by Computer
A fund leveling system program that functions as each means according to claim 1.   A computer-readable recording medium in which the fund leveling system program according to claim 6 is recorded.

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