JP6183867B1 - Notional pooling system and notional pooling method - Google Patents

Abstract

A cross-border notional pooling system including risk management is provided. A customer information registration means 1 for registering customer information and a pooling engine 2 for performing pooling, wherein the customer information registration means 1 is registered with a pooling target account in a company group participating in pooling. An account registration unit 12 and an account group registration unit 14 in which a plurality of account groups consisting of accounts registered in the account registration unit 12 are registered. The pooling engine 2 acquires the account balance information of the account to be pooled, an interest / benefit calculation unit 24 for calculating the interest and benefit when the funds of the account balance are virtually transferred, and an identifier for identifying the account group of the customer And a risk management screen display unit that displays the overdraft / overdraft status of the account group. [Selection] Figure 3

Description

  The present invention relates to a pooling system in a financial institution. In particular, it relates to a system of national pooling.

  Conventionally, a pooling system in which funds are interchanged within a company group is known (Patent Documents 1 and 2, etc.). The pooling system makes it possible to efficiently manage the funds of the entire corporate group by concentrating the cash flow of each group company in the parent account opened by the supervising company in the financial institution, and interfacing funds within the corporate group. Is.

  For example, in Patent Literature 1, the totaling amount of each account of the participating company is totalized by the totaling means, and the transfer effective means is a shortage transfer instruction from the parent account of the managing company A based on the transfer instruction by the transfer instruction means. The shortage is transferred to the child account of Participating Company B, and the surplus is transferred from the child account of Participating Company C, which is a surplus funds transfer instruction, to the parent account. As a result, a pooling system is disclosed that requests a loan when the parent account balance of the managing company A is red, and conversely requests a surplus when the account balance is black.

  Patent Document 2 discloses a pooling system in which a fund management apparatus acquires an account balance of a group company via a network, and an account management server of each bank transfers funds according to the funds transfer data created by the fund management apparatus. It is disclosed.

JP 2000-029970 A JP 2002-230308 A

  By the way, in recent years, the increasing trend of companies expanding into Asia including Japanese companies continues, and with the expansion of diversification and multinationalization, financial management needs such as pooling services are becoming more sophisticated.

  There are roughly two types of pooling for managing the parent company account and subsidiary account of a group company as a whole: actual pooling and national pooling. Actual pooling is a system that actually concentrates the balance in the parent company account with the transfer of funds. As a feature, financial resources can be effectively utilized by collecting surplus funds, but the account of the same currency is fundamental, and interest calculation and interest payment depend on the account system. In addition, pooling of a separate corporation requires a lease between companies. On the other hand, national pooling is a mechanism for offsetting the balances of accounts of parent companies and subsidiaries as virtually concentrating without transferring funds. The feature is that it is possible to effectively use financial resources by collecting surplus funds, but pooling is also possible in different currency accounts, and the interest calculation and interest payment methods are highly flexible. In addition, inter-company leases are not required even in separate corporations.

  In addition, as described above, with the diversification of companies' advancement forms and multinationalization, it is desirable to provide not only optimization of benefits but also risk management means, particularly in cross-border pooling. .

  The object of the present invention is to provide a cross-border national pooling system that includes risk management among the above-mentioned problems in the pooling service, and provides the following solutions.

(1) A first aspect of the present invention is a cross-border notional pooling system that concentrates and distributes funds among a plurality of accounts of a customer, and customer information registration means for registering the customer information; A pooling execution unit that virtually executes pooling, and the customer information registration unit includes an account registration unit in which a pooling target account in a company group is registered, and a plurality of accounts that are registered in the account registration unit. The pooling execution means obtains account balance information of the pooling target account based on the account group information registered in the customer information registration means. Interest balance calculation unit that calculates the interest when the funds of the account balance are virtually transferred based on the acquired account balance information And the benefit calculation unit that calculates the difference between the interest calculated by the interest calculation unit using the normal interest rate and the interest calculated using the interest rate that is preferentially given by the pooling contract over the normal rate And a pool benefit calculation unit for calculating the total benefit as a pool benefit, and an identifier for identifying a customer account group is received, and for the risk management monitoring of the bank side, the participation account of the entire company group is received. A risk management screen display unit for displaying the overdraft / overdraft status including a total bank deposit / loan ratio.

(2) In the system of (1), the risk management screen display unit includes a risk management screen including an overdraft / overdraft status of the account group and an overdraft / overdraft status for each base of the account group. Is displayed.

(3) In the system according to (1) or (2), the risk management screen display unit allows the customer to set a warning condition and a warning condition regarding the deterioration of the loan / deposit ratio of participating accounts in the account group. The warning or warning is displayed according to the set warning and warning conditions.

(4) According to a second aspect of the present invention, there is provided a cross-border notional pooling method for concentrating and allocating funds among a plurality of customer accounts, wherein the computer is a pooled account in a corporate group. Are registered, a plurality of account groups consisting of the registered accounts are registered, and the account balance information of the pooling target accounts is obtained based on the registered account group information. And based on the acquired account balance information, calculating the interest when the funds of the account balance are virtually transferred, the interest calculated using the normal interest rate in the calculating step, and a pooling agreement Calculating the difference between the interest calculated using the preferential interest rate over the interest rate applied as normal and the benefit The calculation of the total as a pool benefit and the input of an identifier for identifying the account group of the customer to be displayed are accepted, and for the risk management monitoring of the bank side, the total amount of the participation account of the entire corporate group is deposited to the bank. and executes a step of displaying the overdraft / overdraft situations involving ratios, the.

  ADVANTAGE OF THE INVENTION According to this invention, the system of the cross border national pooling including risk management can be provided.

It is a figure which shows the outline | summary of the national pooling system which concerns on embodiment of this invention. It is a figure which shows the specific example of the fund concentration in the national pooling. It is a figure which shows the function structure of the global pooling system (GPS) which concerns on embodiment of this invention. It is a figure which shows the report screen (use status display screen of the overdraft / overdraft frame of a company group) of risk management. It is a figure which shows the report screen of risk management (usage overdraft / overdraft frame usage status display screen for each base). It is a figure which shows the report screen (warning condition, warning condition setting screen) of risk management. It is a figure which shows the report screen (attention alert, warning generation | occurrence | production display screen) of risk management.

  The present specification is based on the description of Japanese Patent Application No. 2014-260658, which has been filed, and constitutes a part of the specification of the present application by citing the description of the above application. DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In the following drawings, the same numbers or symbols are assigned to the same elements throughout the description of the embodiments. In the functional configuration diagram, an arrow between functional blocks represents a data flow direction or a process flow direction.

<Examples of National Pooling>
As described above, the notional pooling is a mechanism that considers that the balance of the leader account and the member account is virtually concentrated without fund transfer. The simplest basic form is the same domestic and within the same bank branch. However, in the case of cross-border national pooling, the cross-border fund transfer is performed in advance and the same as the basic form described above. There are many examples of creating and implementing conditions. However, there is also a national pooling that virtually calculates the account balance information and the interest calculation without transferring funds when it is difficult to transfer funds to the leader country. If there are multiple holders of participating accounts, credit risk can be reduced through mutual authentication between pooling participants and agreement on the operation of funds using deposits when members fail. In addition, there is a scheme called “interest optimization” as another method of calculating interest by virtually collecting account balance information without transferring funds. Under this scheme, contracts that reduce credit risk, such as mutual authentication between pooling participants and agreement on the operation of funds using deposits when members fail, are not concluded.

<Outline of the National Pooling System>
FIG. 1 is a diagram showing an overview (system-compatible overview) of a global pooling system (hereinafter referred to as GPS: Global Pooling System) according to an embodiment of the present invention. GPS is a core system that provides a cross-border national pooling service in a pooling service that concentrates and allocates funds. As shown in the figure, GPS processing consists of (1) contract / interest / exchange registration, (2) account balance inquiry, (3) interest / benefits calculation / allocation, (4) interest payment, (5) customer / Divided into inline reporting. Hereinafter, the outline will be described in order.

  (1) The contract / interest / currency registration stage is a stage for registering the pooling target account based on the contract contents with the customer. Here, in each bank where the customer's corporate group exists, various data such as contract information with the customer, interest rate information, currency exchange information is input to the GPS from the terminal of the person in charge of the bank, Registration for pooling advance preparation is made. The figure shows the case of registration from a base in Japan or Australia.

(2) The account balance inquiry stage is a stage for acquiring the balance of the target account from the account system. Here, at the time of pooling execution, the balance inquiry is made for all accounts to be pooled by the company group. The bases of the corporate group are located in Japan, Australia, Europe and the United States, and bank branches in charge of each base are connected via a SWIFT network system. The SWIFT network system is a global financial message service system provided by the Society for Worldwide Interbank Financial Telecommunication (SWIFT). Hereinafter, the financial message service system itself is referred to as “SWIFT”. In the figure, it is expressed by a SWIFT symbol mark. Although not shown in the figure, the AWA system and the Japanese system are also connected by SWIFT.

(3) The interest / benefits calculation / allocation stage is a stage where interest and pool benefits using normal interest rates / preferential interest rates are calculated, and pool benefits are allocated to each account according to customer requests. Here, “pool benefit” means the sum of the reduction in interest expense and the increase in interest income due to the application of a preferential interest rate over the interest rate applied at normal times due to the conditions in the pooling agreement. Say. In national pooling, the balance of deposits and loans remains without being offset, but interest calculation can be handled and calculated as if the deposits and loans were offset, and this is called “deemed offset”.

(4) The interest receiving and paying stage is a stage in which interest amounts are linked to the accounting system.

(5) The customer / in-line report creation stage is a stage in which a customer pooling report and an in-line report are provided. In addition to pooling usage data, these reports provide a screen for risk management described later. Customers can view reports directly from the EB system (Electronic Banking System) of each country that provides a user interface such as Internet banking.

  As related systems, there are (6) European and US balance linkage, (7) Interest incorporation, and (8) Reporting. (6) The European and US balance linkage has a function to link the balance information transmitted from the Western account system to SWIFT with the GPS for the balance information of the Western account. Further, (7) Interest incorporation (account system) has a function of executing an interest receipt / payment process based on a process from GPS. (8) Reporting is the above-mentioned EB system and has a function as a window (portal) for actually providing a customer report to the customer.

<Specific examples of fund concentration>
FIG. 2 is a diagram for explaining fund concentration in the national pooling. This figure shows a simple example in which multiple currencies are concentrated in one country as a specific example of virtual fund concentration in the national pooling. As an example, a description will be given of a process in which the GPS calculates interest based on the final balance on the day of two accounts in the UK base, an A account (for euro currency) and a B account (for US dollar).

  Assuming that the last balance on the current day of the A account is ▲ 100EUR and the last balance on the current day of the B account is +300 USD at the GPS interest calculation period start date, the virtual balance of the A account and the B account at this time is +150 USD It becomes. However, the exchange rate is 1 EUR = 1.5 USD (hereinafter the same). Further, it is assumed that the benefit calculated based on the virtual balance at this time is +5 USD.

  On the other hand, if the final balance of the current day of the A account is ▲ 200 EUR and the final balance of the current day of the B account is +600 USD at the start date of the interest calculation period on another day, the virtual balance of the A account and the B account at this time The balance is +300 USD. Then, it is assumed that the benefit calculated based on the virtual balance at this time is +10 USD.

  Thereafter, the same calculation is repeated for each day, and when the end date of the interest calculation is reached, assuming that the pool benefit is fixed at 60 USD, the GPS calculates the amount allocated to the participating account. Here, assuming that the distribution rate (apportionment rate) is 25% for the A account and 75% for the B account, the benefit allocation amount is allocated to the A account, 10 EUR to the A account, and 45 USD to the B account.

<Functional configuration of GPS>
FIG. 3 is a diagram showing a functional configuration of the global pooling system according to the embodiment of the present invention. The GPS 100 is communicably connected to the accounting system 200 in each country via the GPS-accounting system linkage platform 150. In the figure, the accounting system 200 of each country is shown as being divided into a Japanese accounting system, an Australian accounting system, and a Western accounting system. However, the accounting system 200 is not limited to this method. Further, as the name implies, the GPS-accounting system linkage platform 150 is a subsystem for linking the GPS100 and the accounting system 200 of each country, but since it is not a main part of the present invention, description thereof is omitted here. .

  Hereinafter, the functional configuration of the GPS 100 will be described. As shown in the figure, the GPS 100 is roughly divided into a customer information registration means 1 for pre-registering contract information with a customer and a pooling engine 2 which is a pooling execution means. The customer information registration unit 1 and the pooling engine 2 may be constructed in one server or by connecting a plurality of servers via a network. Hereinafter, the GPS 100 will be described with a focus on functions at the time of national pooling, but the GPS 100 itself can also support actual pooling.

(Customer information registration means)
The customer information registration unit 1 includes a company group registration unit 11, an account registration unit 12, a contract information registration unit 13, an account group registration unit 14, a pooling rule holding unit 15, and a credit management information registration unit 16. Hereinafter, each part of the customer information registration unit 1 will be described.

  The company group registration unit 11 registers a company group that makes a pooling service contract with a financial institution as a customer. Information to be registered is information on the corporate group such as the corporate group name and the supervising company name.

  The contract information registration unit 13 registers the contents of the pooling service contract between the company group registered in the company group registration unit 11 and the financial institution. The registered contract information includes a pooling service contract start date and end date, a report distribution method, an interest calculation method, an applicable exchange rate, and the like.

  The pooling rule holding unit 15 registers a pooling rule for each account group when the pooling engine 2 instructs the transfer of funds. As the pooling rule, conditions such as the activation condition of the pooling engine 2, the activation time, the transfer direction of funds between accounts (1Way / 2Way), and the pooling method are registered. The pooling rule holding unit 15 may store not only the above conditions as data but also a logic for executing the pooling rule or a program for executing the logic itself. By doing so, it is possible to flexibly cope with the new setting or change of the pooling rule without modifying the pooling engine 2. Refer to the specification of Japanese Patent Application No. 2014-260658 for details of the account group and account hierarchy and pooling rules described below. Note that an account group (for example, the first account group) can be linked to another account group (for example, the second account group) to form a new third account group.

  In the account registration unit 12, account information handled by pooling of the registered company is registered. The account information includes information necessary for linking with the account system 200 in each country, such as the account name, account type, and account number, the account group name specified by the customer in the pooling system, and the role in the account group as the parent account. Information about the child account is registered.

  The account group registration unit 14 creates a list of accounts belonging to the account group based on information about the designated account group name and the role of parent account or child account of each account registered in the account registration unit 12. Create, set and register parent and child accounts for each account group. At this time, an account designated by the customer to belong to two account groups is registered as a parent account in one account group (first account group) and as a child account in another account group (second account group). The

  Further, the account group registration unit 14 assigns a pooling rule registered in the pooling rule holding unit 15 to the created account group. In the information registered in the account group registration unit 14, an account group name, a parent / child account, a pooling rule name, a currency system, a bank type, and account information are registered. Although detailed explanation is omitted in the account information, for each group company account, account name, bank type, currency, company name, BIC code, base name, account number, usage, landing balance / trigger, target balance, range Information such as the upper limit / lower limit is registered. Further, the credit management information registration unit 16 registers credit information such as setting conditions for risk management described later.

(Pooling engine)
The pooling engine 2 acquires account balance information in accordance with the set pooling rules, and calculates the amount of funds transferred that is the amount of funds that are transferred from the child account to the parent account and the amount of funds that is transferred from the parent account to the child account. , Fund transfer instructions. The pooling engine 2 includes an account balance information acquisition unit 21, a fund transfer amount calculation unit 22, a fund transfer instruction unit 23, an interest / benefit calculation unit 24, an allocated amount processing unit 25, and a customer report creation unit 26. Hereinafter, each part of the pooling engine 2 will be described.

  When the customer information registration means 1 determines that it is the timing for performing the pooling of the first account group from the activation conditions registered in the pooling rule holding unit 15 as the pooling rule of the first account group, the pooling engine 2 The pooling engine 2 acquires the pooling rule and account group information registered in the pooling rule holding unit 15 and the account group registration unit 14.

  The account balance information acquisition unit 21 of the pooling engine 2 determines the account balance of the account belonging to the account group from the account system 200 in each country via the GPS-account system linkage platform 150 based on the acquired account information belonging to the account group. Get information.

  The fund transfer amount calculation unit 22 calculates the amount of funds to be virtually transferred between the parent account and each child account of the account group according to the acquired account balance information and pooling rules. In national pooling, funds are not actually transferred between accounts.

  In actual pooling, the fund transfer instruction unit 23 transmits the fund amount calculated by the fund transfer amount calculation unit 22 to the account system 200 in each country, and funds transfer of each account of the account group is executed. However, in the case of national pooling, the funds transfer instruction unit 23 does not give instructions for transferring funds between actual accounts at the time of pooling, but funds transfer after the interest amount allocated to each account is determined from the obtained benefits. In the order processing, a deposit instruction is given to the account.

  Unlike actual pooling, national pooling does not actually transfer funds, which may result in a large red balance depending on the location. For this reason, when it is determined that a red balance has occurred at the base (or when the overdraft exceeds a certain ratio), the funds transfer instruction unit 23 may be controlled to execute.

  The interest / benefit calculation unit 24 of the pooling engine 2 calculates the interest and benefit when the funds in the account balance are virtually transferred based on the acquired account balance information. Specifically, interest and benefits are calculated by referring to a database of currency, exchange rate / interest rate reference data and customer account related masters (not shown). In more detail, the interest / benefit calculation unit 24 is divided into three parts. Based on the acquired account balance information, the interest calculation unit 24 calculates interest when the funds of the account balance are virtually transferred, and the interest A benefit calculation unit that calculates the difference between the interest calculated by the calculation unit using the normal interest rate and the interest calculated using the interest rate preferentially applied to the interest rate that is normally applied by the pooling contract, and the benefit A pool benefit calculation unit that calculates the sum of the above as a pool benefit.

  Detailed explanation of the customer account related master is omitted, but the customer code / customer name / country country, branch name / account number / deposit / lending classification / currency / residential classification / deposit and loan contract number, account group / hierarchy information, Deposit interest rate, deposit interest rate, interest rate calculation mode (compound interest, Act / Act, etc.), functional currency / reference exchange rate, interest rate calculation / delivery cycle, cut-off setting (automatic / manual), remittance setting ( Sweep frequency / Target amount, etc.), overdraft facility (by company, by group), intercompany loan interest rate, intergroup credit facility, borrowing / lending (amount, interest rate) limit, tax rate-customer (withholding tax rate, VAT, etc.), This is a database that stores data such as tax rate-bank, gross net classification, and commission.

  The allocation amount processing unit 25 of the pooling engine 2 performs processing for allocation and payment of the interest and the pool benefit calculated by the interest / benefit calculation unit 24. When allocation of pool benefits occurs in the national pooling, the bank pays interest for each final account with each account based on instructions from the customer. However, when looking at the entire group, the total interest paid by the bank to the entire group is the same as when the benefits are not allocated.

  The customer report creation unit 26 of the pooling engine 2 creates a customer report including an allocation of pool benefits, which is a result of calculation by the interest / benefit calculation unit 24. The customer report includes a risk management screen display unit that receives an input of an identifier for identifying a customer account group and displays an overdraft / overdraft status of the customer account group, and displays a risk management screen described later. Good. The customer report includes a report for a customer and an in-line report. The content of the report (disclosure range, etc.) may be different for customers and for in-line use. There are various types of reports. Of these, specific examples of the risk management screen are shown in FIGS.

  FIG. 4 is a diagram showing the overdraft usage (overdraft usage) of the customer's corporate group (account group) and the latest balance data (balance balance) status (Latest Balance Acquisition Date and Time) on the risk management screen. . Here, a screen is displayed for the purpose of managing the credit card allowances of the corporate groups scattered in each base in a unified manner from the viewpoint of group credit.

  FIG. 5 is a diagram showing the overdraft / overdraft status for each base (Branch) on the risk management screen. Here is an example of a screen with a function to monitor the overdraft limit and its usage record for each currency at its own base and other bases, with the purpose of assisting liquidity risk management. Display the screen. Here, the risk management screen display unit of the customer report creation unit 26 displays a risk management screen including the overdraft / overdraft status of the customer's account group and the overdraft / overdraft status of each account group base.

  FIG. 6 is a diagram showing a screen for setting alert / warning conditions in an account group. That is, it is an example of a screen for registering the entire pooling scheme and a screen for registering the deposit / loan ratio of the entire participating account as a mechanism for detecting the deterioration of the setting of the scheme participating account and the credit status. Here, the portion “Alarm Threshold (deposit coverage ratio)” surrounded by the frame of the figure is the ratio of the total amount of loans and the total amount of deposits. For example, if deposit 100> loan 80 (80%), deposit 100 = Loan 100 (100%).

  FIG. 7 is an example of a screen for notifying the user when an unusual situation or a situation that requires judgment by the user occurs. In this example screen, the deterioration of the deposit / lending ratio of the national pooling participation account is notified in two stages, caution and warning. As a result, it is possible to notify the deterioration of the loan / deposit ratio from an early stage. Here, the risk management screen display unit of the customer report creation unit 26 causes the customer to set the alert conditions and alert conditions in the account group, and generates alerts or alerts according to the set alert conditions and alert conditions. .

  By adopting the above-mentioned configuration in this system, (1) For the fund management of group companies holding accounts in different countries, the balance and interest can be virtually calculated even if the account spans multiple accounting systems. The amount can be calculated. (2) Accounts of both bases directly connected to GPS and bases connected via SWIFT can be processed in a centralized manner. (3) It is possible to monitor not only the pooling amount of the customer, but also the risk management monitoring on the bank side that alarms by monitoring the deposit / lending ratio of accounts across different account systems. (4) Customer reports can be returned to different EB systems depending on the region.

  The functional configuration of the system described above is merely an example, and one functional block (database and function processing unit) may be divided or a plurality of functional blocks may be configured as one functional block. Each function processing unit reads a computer program stored in a storage device such as a ROM (Read Only Memory) or a hard disk by a CPU (Central Processing Unit) built in the device, and executes the computer program executed by the CPU. Realized. That is, in each function processing unit, this computer program reads and writes necessary data such as a table from a database (DB; Data Base) stored in a storage device or a storage area on a memory, and may be related in some cases. This is realized by controlling hardware (for example, an input / output device, a display device, and a communication interface device). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself is not questioned.

(Effect of embodiment)
According to the above-described embodiment of the present invention, a cross-border national pooling system including risk management can be provided. In this risk management, it is possible to centrally manage the credit usage of corporate groups from the viewpoint of group credit. In addition, for each of the locations scattered throughout the country, the cashier in charge at each location has the function to monitor the overdraft limit and usage results for each currency at their location and other locations, and assists liquidity risk management. can do. Furthermore, in addition to the screen for registering the entire pooling scheme, the deposit / lending ratio of the entire participating account can be registered as a mechanism for detecting the setting of the scheme participating account and the deterioration of the credit status. In addition, by providing a screen for alerting and warning, it is possible to notify the deterioration of the loan / deposit ratio from an early stage.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above embodiment. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention. In the above embodiments, the pooling system has been described with the present invention as a product invention. However, the present invention can also be understood as a method invention (national pooling method).

DESCRIPTION OF SYMBOLS 1 Customer information registration means 11 Company group registration part 12 Account registration part 13 Contract information registration part 14 Account group registration part 15 Pooling rule holding part 16 Credit management information registration part 2 Pooling engine 21 Account balance information acquisition part 22 Fund transfer amount calculation part 23 Fund Transfer Instruction Unit 24 Interest / Benefit Calculation Unit 25 Allocation Amount Processing Unit 26 Customer Report Creation Unit 100 Global Pooling System (GPS)
150 GPS-Accounting System 200 Account system of each country

Claims (4)

A cross-border national pooling system that concentrates and distributes funds among multiple customers' accounts,
Customer information registration means for registering the customer information; and pooling execution means for virtually executing pooling,
The customer information registration means has an account registration unit for registering pooling target accounts in a company group, and an account group registration unit for registering a plurality of account groups consisting of accounts registered in the account registration unit. And
The pooling execution means includes
An account balance information acquisition unit that acquires account balance information of the pooling target account based on the information of the account group registered in the customer information registration unit;
Based on the acquired account balance information, an interest calculation unit that calculates interest when the funds of the account balance are virtually transferred;
A benefit calculation unit that calculates the difference between the interest calculated by the interest calculation unit using a normal interest rate and the interest calculated using the interest rate preferentially applied to the interest rate that is normally applied by the pooling contract as a benefit;
A pool benefit calculator that calculates the total benefit as a pool benefit;
Accepts the input of an identifier identifying the customer's account group, and displays the overdraft / overdraft status including the ratio of the total of the participating accounts of the entire corporate group to the bank for bank management risk management monitoring A risk management screen display,
A national pooling system characterized by comprising:   The risk management screen display unit displays a risk management screen including an overdraft / overdraft status of the account group and an overdraft / overdraft status for each base of the account group. National pooling system. The risk management screen display unit allows a customer to set a warning condition and a warning condition regarding a deterioration in the deposit / lending ratio of participating accounts in the account group, and a warning or warning is issued according to the set warning condition and warning condition. The national pooling system according to claim 1, wherein the national pooling system is displayed. A cross-border national pooling method for concentrating and allocating funds among a plurality of customer accounts,
Computer
The pooling account in the corporate group is registered,
Registering a plurality of account groups comprising the registered accounts;
Obtaining account balance information of the pooling target account based on the registered account group information;
Calculating the interest when the funds of the account balance are virtually transferred based on the acquired account balance information;
Calculating, as a benefit, the difference between the interest calculated using the normal interest rate in the calculating step and the interest calculated using the interest rate preferentially applied to the interest rate that is normally applied by the pooling contract;
Calculating the sum of the benefits as a pool benefit;
Accepting the input of an identifier for identifying the account group of the customer to be displayed , and for the risk management monitoring of the bank side, the overdraft / overdraft status including the loan / deposit ratio for the bank of the total number of participating accounts of the entire corporate group A display stage,
No relational pooling method, characterized by the execution.

Images