JP6651173B1 - Credit judgment material providing system for construction industry - Google Patents

Abstract

An object of the present invention is to make it possible to easily manage individual payments and withdrawals and their schedules even when a plurality of works are performed in parallel, and to enable a financial institution to judge whether or not to lend. Provide a delivery system. A system for providing a credit judgment material for a building business according to the present invention includes a work for creating a work ledger including customer information, estimate information, invoice information, sales information, and information on payment related to work performed by a contractor. Ledger creation means, and a deposit and withdrawal management display means for displaying a deposit and withdrawal management screen that summarizes the contents of deposit and withdrawal during a predetermined period as deposit information and withdrawal information, respectively, and the sales information includes a scheduled deposit. Scheduled deposit date information, which is information on the date, and confirmed deposit date information, which is information on the confirmed deposit date, which is the date on which the actual deposit was made from the customer, is included in the deposit / withdrawal management screen. The date information and the payment confirmation date information are displayed. [Selection] Fig. 6B

Description

  The present invention relates to a system for providing credit judgment material, and in particular, it can be used as a construction ledger handled by a civil engineer or a contractor such as a construction shop that performs a plurality of works in parallel, and a loan provided by a financial institution to the contractor. This is useful as a system that provides a material for judging whether or not it is possible.

  2. Description of the Related Art Conventionally, a construction ledger has been used in order for a contractor who performs a plurality of works at the same time to manage each work.

  The construction ledger describes in detail the delivery time, material procurement costs, etc. in each construction, and by looking at the construction ledger, it is possible to grasp the progress of construction and the flow of money.

  A service for creating such a construction ledger on a computer has been proposed (Patent Document 1).

JP-A-2004-54662

  In Patent Literature 1, a work ledger is created for each work, and orders, sales, and costs in a predetermined period are managed as a list based on billing content and cost information input in the work ledger. be able to.

  By the way, in construction work and civil engineering work, the construction period may take several months or even one year or more, and payment for construction work will be paid sequentially according to the work volume or collectively after completion. In most cases, it is usually treated as accounts payable. In this case, the timing of payment is later than the timing at which expenses such as material costs and outsourcing costs are dispensed, and the funds are temporarily in short supply. In order to avoid such a shortage of funds, the shortage of funds is resolved by receiving loans from financial institutions such as banks.

  As a financial institution in the position of lending, it is necessary to determine whether or not the borrower is a reliable business, and how much money is needed, that is, It was difficult to judge whether to set. The builder who receives the loan does not know the details of future withdrawal plans and deposit plans for each construction, and explains to the financial institution how much money is needed It was difficult to do.

  In such a situation, the owner of the builder, who has many works at the same time, had to work hard to explain to the financial institution. In addition, the materials presented to financial institutions cannot explain in detail the individual withdrawals and deposits, but only show rough figures and explain them. Disclosure of materials that can be explained in detail was desired.

  The present invention has been made in view of such a demand, and even when a plurality of works are concurrently performed at the same time, it is possible to easily manage individual deposits and withdrawals and their schedules, It is an object of the present invention to provide a material providing system that allows a financial institution to determine whether a loan can be made.

  The present invention provides the following solutions.

  The invention according to the first feature is a credit judgment material providing system for the construction industry in which a material provided by a contractor to a financial institution is created on a computer, wherein customer information, estimate information, A construction ledger creating means for creating a construction ledger including billing information, sales information, and payment information, and a deposit / withdrawal management screen that summarizes the contents of deposit and withdrawal in a predetermined period as deposit information and withdrawal information, respectively. Means for displaying the deposit / withdrawal management display means, and the sales information includes scheduled deposit date information which is information on the scheduled deposit date, and a deposit confirmed date which is information on a deposit confirmed date which is the date when the actual deposit was received from the customer. The present invention provides a credit determination material providing system for the building industry, which includes date information and a deposit / withdrawal management screen on which scheduled payment date information and payment settlement date information are displayed.

  According to the invention of the first aspect, the scheduled payment date information and the payment confirmation date information are displayed for each transaction on the deposit / withdrawal management screen that summarizes the details of the deposit and withdrawal during the predetermined period. The forecasts are easy to make, and the scheduled payment date information and the payment confirmation date information are based on the sales information included in each construction ledger, so even if multiple works are being performed in parallel, the money at a glance Flow can be accurately grasped, and a system that can easily obtain the trust of financial institutions can be provided.

  The invention according to the second aspect is the invention according to the first aspect, wherein the construction ledger creating means is configured to create a bill for billing a contractor for a construction-related fee, Sales accounting means for accounting the contents of the invoice written in the invoice created by the invoice creating means as sales. Provide a credit judgment material providing system for the construction industry, which adds the contents as payment information to the payment management screen.

  According to the invention according to the second aspect, the billing content is added to the deposit / withdrawal management screen as payment information on the condition that the billing content is recorded as sales by the sales recording means. A system capable of accurately updating the money management screen can be provided.

  The invention according to the third aspect is the invention according to the first or second aspect, wherein the sales information includes, in addition to the scheduled payment date information and the payment confirmation date information, a date recorded as sales by the sales recording means. The system provides a credit determination material providing system for the construction industry, which includes sales accounting date information that is information on the estimated payment date, and the expected payment date information is determined based on the sales accounting date information and customer information.

  According to the invention according to the third aspect, the scheduled payment date information is determined based on the sales accounting date information and the customer information. Therefore, each construction item is determined based on a customer-specific closing date and a payment site. , It is possible to determine the expected date of deposit, and it is possible to provide a system capable of grasping the incoming and outgoing of money in more detail.

  Advantageous Effects of Invention According to the present invention, even when a plurality of works are simultaneously performed, individual payments and withdrawals and their schedules can be easily managed, and a financial institution can determine whether or not to lend. It is possible to provide a system for providing credit judgment materials for the building industry.

FIG. 1 is a block diagram illustrating a hardware configuration and software functions of a credit-determination-material providing system 1 for the building industry according to the present embodiment. FIG. 2 is a diagram illustrating an example of the home screen 1000. FIG. 3 is a diagram illustrating an example of the customer database 32. FIG. 4 is a diagram illustrating an example of the trader database 33. FIG. 5 is a diagram illustrating an example of the construction ledger list screen. FIG. 6A is a diagram illustrating an example of a construction ledger (part 1). FIG. 6B is a diagram illustrating an example of a construction ledger (2). FIG. 6C is a diagram illustrating an example of the construction ledger (No. 3). FIG. 7 is a diagram showing an example of the deposit / withdrawal management screen. FIG. 8A is a diagram illustrating an example of a cash flow annual result prediction table (part 1). FIG. 8B is a diagram illustrating an example of a cash flow annual result prediction table (part 2). FIG. 8C is a diagram illustrating an example of a cash flow annual result prediction table (3).

  Hereinafter, embodiments for carrying out the present invention will be described with reference to the drawings. Note that this is merely an example, and the technical scope of the present invention is not limited to this.

[Configuration of Credit Determination Material Providing System 1 for Construction Industry]
FIG. 1 is a block diagram for explaining a hardware configuration and a software function of a credit determination material providing system 1 for the construction industry in the present embodiment.

  The credit judgment material providing system 1 for the building industry includes a control unit 10 that controls data, a storage unit 30 that stores data, a communication unit 40 that communicates with a user or another device, and inputs information from the user. The apparatus includes an input unit 50 for receiving data and a display unit 60 for outputting data and images controlled by the control unit 10.

  The control unit 10 includes a CPU (Central Processing Unit), a RAM (Random Access Memory), a ROM (Read Only Memory), and the like.

  The storage unit 30 is a device that stores data and files, and includes a data storage unit such as a hard disk, a semiconductor memory, a recording medium, and a memory card. The storage unit 30 stores a construction database 31, a customer information database 32, and a trader information database 33 described later. The construction database 31 stores a construction case database 311, which stores information on construction, a payment-related database 312, which stores information on payment of a case, and a payment-related database 313, which stores information on payment of a case.

  The communication unit 40 includes a device that enables communication with another device, for example, a device compatible with Wi-Fi (Wireless Fidelity) compliant with IEEE 802.11.

  By providing the communication unit 40, it is possible to connect to a terminal of a financial institution via the Internet, and to exchange information necessary for credit determination.

  The control unit 10 reads a predetermined program, and cooperates with the communication unit 40 and / or the storage unit 30 as necessary, so that the work ledger creating unit 11, the customer information registering unit 12, the contractor information registering unit 13 Construction ledger list display part 14, construction ledger display part 15, deposit and withdrawal management display part 16, cash flow annual result prediction display part 17, customer change part 18, budget determination part 19, and estimate creation Unit 20, an ordered amount registering unit 21, an invoice creating unit 22, a sales accounting unit 23, a deposit / withdrawal determining unit 24, a receivable input unit 25, a payable input unit 26, and a current month actual determining unit 27. And realize.

  The type of the input unit 50 is not particularly limited. Examples of the input unit 50 include a keyboard, a mouse, and a touch panel.

  The type of the display unit 60 is not particularly limited. Examples of the display unit 60 include a monitor, a touch panel, and the like.

[Overview of Credit Judgment Material Providing System 1 for Construction Business]
The outline of the credit-determination-material providing system 1 for the building industry in the present embodiment will be described. FIG. 2 is a diagram illustrating an example of a home screen 1000 first displayed on the display unit 60 when the credit-determination-material providing system 1 for the construction industry is used.

  On the home screen 1000, six buttons including a construction ledger button 1100, a deposit / withdrawal management button 1300, a cash flow annual prediction button 1400, a new customer registration button 1500, and a new contractor registration button 1600 are displayed. By clicking or tapping any of the buttons, the screen proceeds to a screen displaying menus corresponding to the six buttons. In addition, a communication column 1200 from the system is displayed on the home screen 1000, and information useful for using the credit judgment material providing system 1 for the construction industry, such as maintenance information and Q & A of the system, and information to be noted are disclosed. are doing.

  Although details will be described later, by clicking or tapping the construction ledger button 1100, a list of the construction ledgers created so far is displayed, and by clicking or tapping the deposit / withdrawal management button 1300, the scheduled payment or Deposit confirmation operation can be performed, and by clicking or tapping the cash flow annual forecast button 1400, it is possible to display the breakdown of income, expenditure, financial procurement, etc., and the amount of financial balance in the selected period, By clicking or tapping a new customer registration button 1500, information on a business partner who has become a new customer can be registered. By clicking or tapping a new supplier registration button 1600, a new transaction can be performed. You can register the information of the company that has changed.

[Register new customer information]
First, a procedure for registering information relating to a new customer, which is necessary information when using the credit judgment material providing system 1 for the construction industry, will be described. When the user clicks or taps a new customer registration button 1500 on home screen 1000, control unit 10 executes customer information registration unit 12, and causes display unit 60 to display a screen for inputting information on the new customer. As information to be input, in addition to information such as a customer's name, address, name of a person in charge, and contact information, information on a required arrival date of a bill and a payment site is also input. When the user inputs necessary information, the input information is stored in a customer database 32 as shown in FIG.

[Registration of new trader information]
Next, a procedure for registering information on a new contractor will be described. When the user clicks or taps a new trader registration button 1600 on home screen 1000, control unit 10 executes trader information registration unit 13 and causes display unit 60 to display a screen for inputting information on the new trader. As information to be input, in addition to information such as the name, address, person in charge, and contact information of the trader, information on the date of sending the bill and the payment site is also input. When the user inputs necessary items, the input information is stored in a trader database 33 whose example is shown in FIG.

[Overview of the construction ledger list 100]
A construction ledger list 100 using the credit judgment material providing system 1 for the construction industry in the present embodiment will be described with reference to FIG.

  When the user clicks or taps on the work ledger button 1100, the control unit 10 executes the work ledger list display unit 14 and displays the work ledger list 100, an example of which is shown in FIG. As shown in FIG. 5, on the page of the work ledger list 100, a summary of the work ledgers created on the new work ledger creation page is displayed in a list. A new construction ledger creation button 140 is displayed at the upper right of the list.

  In the search menu 110, a search can be performed according to the year, and in the figure, the work ledger created in the 2018 fiscal year is set to be displayed. Further, a search by the type of construction such as "construction" or "large", a search by the progress status such as "in progress" or "completed", and a search by the name of the business partner may be made possible.

  The table showing the construction ledger list 100 includes a progress status 111, an order category 112, an order number 113, a construction subject 114, a construction outline 115, a supplier name 116, an order date 117, a construction start date 118, a completion date 119, a correction date 120, Total sales 121, material costs 122, external labor costs 123, outsourcing costs 124, gross profit 125, gross profit ratio 126, in-house labor costs 127, overhead costs 128, transportation costs 129, profit 130, profit ratio 131, profit forecast 132 And so on.

  In the progress status 111, the progress status of the construction such as “before construction”, “in progress”, “completion” and the like is displayed.

  In the order category 112, types of construction such as "construction", "management", and "large" are displayed.

  The order number 113 is a symbol and / or number assigned to each construction, and displays a management number for managing the construction in the company.

  In the construction subject 114, for example, names of constructions such as “○ apartment building construction” and “△△ park landscaping project” are displayed.

  In the construction outline 115, the contents of the construction such as “planting management”, “construction work”, “civil work”, “landscaping work” and the like are displayed.

  The supplier name 116 displays the name of the orderer of the construction. When the construction is subcontracting construction, the name of the main contractor may be displayed.

  In the order receiving date 117, the date when the construction was ordered is displayed.

  The start date of the start of the construction is displayed on the start part 118.

  The completion date 119 indicates the date when the construction was completed. When the construction is in progress and the progress status 111 is “in progress”, this is blank.

  As the correction date 120, a date when the stored data is corrected is displayed.

  In the total sales 121, the total amount of sales of the construction is displayed.

  The material cost 122 displays the total amount paid when purchasing materials for the construction, such as concrete, steel frames, and fences.

  The labor cost (outside) 123 displays the cost of hiring a human resource other than the company.

  The outsourcing cost 124 displays the cost required to outsource a part of the construction to a contractor.

  The gross profit 125 indicates the amount of gross profit obtained by subtracting material costs, personnel costs (external), and outsourcing costs from the total amount of sales.

  The gross profit rate 126 displays a gross profit rate which is a ratio of gross profit to sales.

  In the labor cost (company) 127, the amount of labor cost required for the company's personnel is displayed.

  The various expenses 128 indicate the amount of other expenses.

  In the transportation expenses 129, the amount of transportation expenses required for traveling to the site is displayed.

  The profit 130 displays the net profit excluding the in-house personnel costs and various expenses from the total sales amount.

  The profit rate 131 is a profit rate which is a ratio of net profit to sales.

  In the profit prediction 132, a predicted value of the profit ratio including the amount corrected from the initial plan is displayed. Also, an arrow indicating whether the revised profit has risen or fallen from the original plan is displayed.

  A "details" button 133 is provided at a location corresponding to each construction line outside the margin in the construction ledger list 100, and the construction ledger relating to each construction listed can be displayed in detail.

  That is, when the user clicks or taps the details button, the control unit 10 executes the work ledger display unit 15 and displays the detailed work ledger 200 related to each work, as shown in FIGS. 6A to 6C, on the display unit 60. I do. The construction ledger 200 includes customer information, quotation information, billing information, sales information, and payment information related to the construction work performed by the contractor using the credit-determination-material providing system 1 for the construction industry in the present embodiment. In the present embodiment, the construction ledger (part 1), the construction ledger (part 2), and the construction ledger (part 3) of FIG. 6C will be described separately. However, in the actual screen, they are integrated into one screen. Is displayed.

  The construction ledger (No. 1) shown in FIG. 6A includes an order number 201, an order category 202, a construction subject 203, a construction outline 204, a site address 205, a customer name 206, a progress status 207, a sales (excluding tax) 208, a sales ( A summary of the construction is shown, such as 209, an order receipt date 210, a construction start date 211, a scheduled completion date 212, a completion date 213, a scheduled billing date 214, and a completion date 215.

  A customer change button 216 is displayed in the column of the customer name. By clicking or tapping the customer change button 216, customer information relating to the construction can be changed. That is, when the user clicks or taps the customer change button 216, the control unit 10 executes the customer change unit 18 in cooperation with the customer database 32, and transitions to a page for changing the customer. The change of the customer can be selected from the customers stored in the customer database 32, or can be changed by the user directly inputting. A new customer is identified based on the user's selection or input.

  Further, the construction ledger (part 1) also displays information relating to the payment, such as the closing date 217, the payment site 218, and the invoice required arrival date 219.

  Further, payment and profits such as material costs 220, external labor costs 221, outsourcing costs 222, gross profits 223, gross profit rates 224, in-house labor costs 225, overhead costs 226, transportation costs 227, profits 228, profit ratios 229, etc. Items are listed.

  Then, when the budget is confirmed, a budget confirmation button 230 to be clicked or tapped, a budget confirmation date 231, and a fluctuation rate 232 of the profit rate are displayed. An arrow 233 is displayed next to the column for displaying the degree of change in the profit rate so that the profit rate can be seen at a glance as to whether the profit rate is positive or negative compared to the original plan.

  When the user clicks or taps the budget determination button 230, the control unit 10 executes the budget determination unit 19, and determines the budget related to the work already registered in association with the work.

  In the construction ledger (No. 2) shown in FIG. 6B, detailed information on deposits and withdrawals is displayed for each tab. The tab types include a “sales tab 234”, a “purchase (material cost) tab 235”, a “outsourcing cost tab 236”, and a “personnel cost tab 237”. In FIG. 6B, when the “sales tab 234” is clicked. Screen is displayed. In addition, although not shown, as tabs, in addition to the above, “material costs + outsourcing costs”, “special memos”, “personnel costs”, “traffic costs / overhead costs”, “purchase (outsourcing costs)”, “construction” "Budget", "Actual / Schedule", "Process", "List of workers", "Report" and "Response history" are prepared.

  The information shown in the “sales tab 234” includes quote information, bill information, and sales information.

  In the table showing the estimate information, information on the created estimate is listed for each estimate. Specifically, the status 238, the estimate issue date 239, the estimate amount 240, the invoice issue 241, the details The display 242 is displayed. In the column of invoicing 241, an invoicing button 243 is displayed for each quote displayed in the list. Similarly, in the column of the detail display 242, a detail display button 244 and a release button are displayed for each quotation displayed in the list.

  By clicking or tapping the bill issuing button 243, a bill can be issued for the quote in the corresponding column. Further, by clicking or tapping the detail display button 244, the quote in the corresponding column can be displayed in detail.

  A new estimate button 245 and a received order amount registration button 246 are arranged near the table showing the estimate information. By clicking or tapping the new estimate button 245, a new estimate for the construction can be created and registered in the construction ledger. The newly created quotation is displayed in addition to a table showing quotation information. In addition, by clicking or tapping on the received order amount registration button 246, when the estimate presented to the customer has reached an order, it can be recorded as the order amount.

  Subsequently, in the table showing the invoice information, information on the created invoice is listed for each invoice. Specifically, the invoice date 247, the invoice amount 248, the sales account 249, the details The display 250 is displayed. In the column of sales accounting 249, a sales accounting button 251 is displayed for each bill displayed in the list. Similarly, in the column of the detailed display 250, a detailed display button 252 and a delete button 253 are displayed for each invoice displayed in a list.

  When the sales accounting button 251 is clicked or tapped, the billed amount of the invoice in the corresponding column is accounted for as sales, and “done” is displayed in the sales accounting 249 column. That is, when the billing content described in the invoice is booked as sales, when the user clicks or taps the sales book button 251, the control unit 10 executes the sales book unit 23, and uses the billing amount as the sales amount as a ledger. After registration in the database 31, the billing content is added to the sales information table.

  Further, by clicking or tapping the detail display button 252 in the bill information table, the bill in the corresponding column can be displayed in detail. Further, by clicking or tapping the delete button 253, the bill in the corresponding column can be deleted from the construction ledger 200.

  In addition, a new invoice creation button 254 is arranged near the table indicating the invoice information. By clicking or tapping the new bill creation button 254, a new bill related to the construction can be created and registered in the construction ledger 200. The newly created bill is displayed in addition to a table showing bill information.

  In the table showing the sales information, information on sales is displayed in a list. Specifically, the sales recording date 255, the expected payment date 256, the payment type 257, the payment confirmation date 258, the payment amount 259, the payment confirmation 260, A delete button 261 is displayed.

  The table showing the sales information is created based on the operation of the invoice created by the new invoice creation button 254 and the sales accounting button 251. That is, regarding the invoice created by clicking or tapping the new invoice button 254 and displayed in the table showing the invoice information, clicking or tapping the sales accounting button 251 adds it to the table showing the sales information. Will be displayed. Therefore, the bill information clicked or tapped on the sales accounting button 251 is displayed as a list of sales information.

  In the column of the sales accounting date 255 in the table showing the sales information, the date shown in the column of the invoice issue date of the table showing the invoice information is displayed as the sales accounting date information.

  In the column of the expected payment date 256, a date calculated based on the information on the payment site 218 corresponding to the customer shown in FIG. 6A is displayed as expected payment date information. For example, referring to FIG. 6A, since the deposit site in this case is the 15th of the month following the month to which the last day of the closing day belongs, the invoice issued on September 30, 2018 November 15 is calculated as the scheduled payment date.

  In the column of the payment confirmation date 258, when a payment is made based on an operation on a payment management screen 300 (FIG. 7) described later, the date is displayed as payment confirmation date information.

  In the column of the deposit amount 259, the amount shown in the column of the amount of bill displayed in the table showing the bill information is displayed.

  Further, a delete button 261 is arranged for each sales information displayed in a list, and by clicking or tapping the delete button 261, the sales in the corresponding column can be deleted from the construction ledger 200.

  Further, a deposit / withdrawal management button 262 is arranged close to the table indicating the sales information. When the user clicks or taps the deposit / withdrawal management button 262, the control unit 10 executes the deposit / withdrawal management display unit 16, and displays a deposit / withdrawal management screen 300 (FIG. 7) described later on the display unit 60. On the deposit / withdrawal management screen 300, the user can perform an operation for confirming the scheduled deposit or withdrawal.

  In the construction ledger (No. 3) shown in FIG. 6C, detailed information on material costs and detailed information on outsourcing costs are displayed.

  The detailed information of the material cost displays a payee 263, a date 264, payment details 265, a unit price 266, a quantity 267, a payment amount 268, a scheduled payment date 269, and a payment confirmation date 270.

  As for the detailed information on the outsourcing cost, the payee 271, the date 272, the details of the payment 273, the unit price 274, the quantity 275, the payment amount 276, the expected payment date 277, and the payment confirmation date 278 are displayed in the same manner as the detailed information on the material cost. Is done.

  Both the material costs and the outsourcing costs are blank on the payment settlement dates 270 and 278 if the payment is not fixed.

  When creating the construction ledger 200 shown in FIGS. 6A to 6C, the builder who is the user first clicks or taps the construction ledger button 1100 on the home screen 1000. When the construction ledger button 1100 is clicked or tapped, the control unit 10 executes the construction ledger list display unit 14 and displays the construction ledger list 100 shown in FIG. Then, when the user clicks or taps a new construction ledger creation button 140 displayed on the upper right of the construction ledger list, the control unit 10 executes the construction ledger creation unit 11 and displays new construction not shown on the display unit 60. Display the ledger creation page. The user inputs necessary information on the displayed new construction ledger creation page, whereby a new construction ledger 200 is created.

  That is, though not shown, when the construction ledger button 1100 on the home screen 1000 is clicked or tapped, the construction ledger list 100 is displayed. When the new construction ledger creation button 140 in the construction ledger list 100 is clicked or tapped, the construction ledger 200 is displayed. Is displayed.

  On the screen for newly creating the construction ledger 200, first, the order information, the construction subject, the construction outline, the site address, and the customer name, which are basic information related to the construction, are input. In addition, information on an order receiving date, a construction start date, and a scheduled completion date is input as necessary. As a result, basic information forming the construction ledger 200 shown in FIG. 6A is registered, and the construction ledger 200 shown in FIGS. 6A to 6C is displayed on the display unit 60.

  Next, when the user clicks or taps the new estimate button 245 of the estimate information shown in FIG. 6B, the control unit 10 executes the estimate creation unit 20 and displays the estimate creation page (not shown) on the display unit 60. indicate. The user inputs necessary items on the estimate creation page, and a new estimate is created and registered in the construction ledger. The created estimate is stored in the construction database 31 as estimate information linked to the construction.

  If the user clicks or taps the received amount registration button 246 in the estimate information when the construction has been ordered, the control unit 10 executes the received amount registration unit 21 and records the estimated amount as the received amount. . Note that, even when an estimate has not been prepared, the received amount can be registered by clicking or tapping the received amount registration button 246.

  When the user clicks or taps the new bill creation button 254 in the bill information, the control unit 10 executes the bill creation unit 22 and displays a bill creation page (not shown) on the display unit 60. By inputting necessary information on the bill creation page, the user newly creates a bill for requesting a contractor for a construction-related fee, and registers the bill in the construction ledger 200. If the payment is based on the volume, a plurality of bills are prepared according to a plurality of stages.

  Then, the information related to the estimation and the billing is registered in the payment-related database 312 as a payment plan at the time of receiving an order.

  Although details are omitted, a table as shown in FIG. 6C is also created for payment information such as outsourcing costs and material costs by similarly registering information such as the amount of money to be paid, the scheduled payment date, and business partners. can do. Information on these payments is registered in the payment-related database 313 as a withdrawal plan at the time of receiving an order.

  All the information on the newly created construction ledger is registered in the construction database 31. That is, information on the construction is registered in the construction case database 311, information on the payment of the case is registered in the payment relation database 312, and information on the payment of the case is registered in the payment relation database 313.

  Then, the information based on the initial plan, which was input at the time of receiving the order, is compared with the actual results of each month, and is corrected as necessary.

[Overview of Deposit and Withdrawal Management Screen 300]
Next, with reference to an example of the deposit / withdrawal management screen shown in FIG. 7, the deposit / withdrawal management screen 300 displayed when the deposit / withdrawal management button 1300 displayed on the home screen 1000 is clicked or tapped will be described. The deposit and withdrawal management screen 300 summarizes the contents of deposit and withdrawal during a predetermined period as deposit information and withdrawal information, respectively.

  When the user clicks or taps the deposit / withdrawal management button 1300, the control unit 10 executes the deposit / withdrawal management display unit 16 and displays the deposit / withdrawal management screen 300 shown in FIG. The deposit / withdrawal management screen 300 shown in FIG. 7 includes deposit / withdrawal contents 301, customer name / payee name 302, construction subject 303, transaction date 304, scheduled date 305, fixed date 306, deposit amount (including tax) 307, A table listing amounts (tax included) 308 and contents (arbitrary) 309 is displayed. Further, a period designation button 310 for designating a period to be displayed is also displayed. This table is created by specifying a period to be displayed by clicking or tapping the period specification button 310. Even if the table is displayed once, by changing the display period, the deposit / withdrawal management screen 300 corresponding to the changed period is displayed. Although not described in detail, not only the period but also the conditions to be displayed on the deposit / withdrawal management screen 300 for each item such as the customer name / payee name 302, the construction subject 303, the transaction date 304, the scheduled date 305, and the fixed date 306. It is also possible to set.

  The information on deposits and withdrawals shown in FIG. 7 is created based on bill information and payment information registered in the construction ledger shown in FIGS. 6B and 6C. That is, the deposit / withdrawal management display unit 16 of the control unit 10 extracts the bill information and the payment information stored in the construction database 31, sorts them into a table, and displays them on the display unit 60. Specifically, by clicking or tapping the sales accounting button 249 of the bill information, the billing content is accounted for as sales. Similarly, when the sales accounting button 249 is clicked or tapped, the control unit 10 The deposit and withdrawal management display unit 16 adds the content of the request to the deposit and withdrawal management screen 300 as deposit information. Although description is omitted, withdrawal information is similarly added to the deposit / withdrawal management screen 300.

  In the deposit / withdrawal management screen 300 shown in FIG. 7, information such as “sales” or “outsourcing costs”, “material costs”, and “on-site expenses” is displayed as a breakdown of deposits and withdrawals in the column of deposit / withdrawal contents 301. Is done.

  In the column of customer name / payee name 302, the name of the customer or payee trader with whom the deposit / withdrawal is made is displayed.

  In the column of the construction subject 303, the construction subject in which the transaction is performed, that is, the construction subject 114 shown in the construction ledger list of FIG. 3 is displayed.

  In the column of the transaction date 304, the date of the order or order, in other words, the date recorded as sales or payment, is displayed as transaction date information. Alternatively, the date when the content of the transaction is registered in the work ledger may be displayed.

  In the column of the scheduled date 305, the date when payment or payment is scheduled is displayed as scheduled payment date information or scheduled payment date information.

  In the column of the fixed date 306, the date when the payment or the payment is fixed is displayed as payment fixed date information or payment fixed date information. A check box 311 is arranged in the column, and when the user clicks or taps the check box 311, the control unit 10 executes the deposit / withdrawal determination unit 24, and displays information on the deposit schedule or withdrawal registered in the ledger. The information of the money schedule can be determined. That is, by clicking or tapping the check box 311 in the payment column, the payment is confirmed in the ledger, and the date of payment confirmation is displayed in the column of the payment confirmation date 258 in the sales information table shown in FIG. 6B. You. Also, by clicking or tapping the check box 311 in the withdrawal column, the withdrawal is confirmed in the ledger, and the payment confirmation dates 270 and 278 in the payment information table such as the outsourcing cost and the material cost shown in FIG. 6C. The date when the withdrawal is confirmed is displayed in the column.

  In the column of the deposit amount (including tax) 307, the scheduled or fixed deposit amount is displayed as the deposit amount information with the price including tax. In the case where the content column is a description related to withdrawal, 0 is displayed in the deposit amount (tax included) column. In the column of the amount to be paid (including tax) 308, the planned or fixed amount to be paid is displayed as the amount of money to be paid with tax-included price. In the case where the content column is a description relating to payment, 0 is displayed in the column of withdrawal amount (including tax). Although not shown, the consumption tax rate may be displayed for each transaction.

  In the column of contents (optional) 309, contents of the transaction are arbitrarily displayed in order to help the reader understand. For example, if the content is related to the subcontracting cost column, the content "volume" is displayed.

  The table of the deposit / withdrawal management screen shown in FIG. 7 is created based on the construction ledger shown in FIGS. 6A to 6C. That is, as shown in FIG. 6B, by clicking or tapping the new bill creation button 254 in the sales tab of the construction ledger, a new bill associated with the construction viewing the construction ledger is newly created. Can be. By registering the created bill in the system, the bill is newly added to the bill information. In this state, when the sales accounting button 249 in the table is clicked or tapped, it is counted as sales, and is newly added to the sales information table displayed in FIG. 6B. At the same time, it is newly added as data extracted by the deposit / withdrawal management display unit 16.

  Although details are omitted, the payment management table is similarly created and registered in the outsourcing expense tab 236 and the purchase (material cost) tab 235 of the construction ledger 200 by newly creating and registering a payment slip. Is reflected in

  In this way, a payment management table is created based on the information newly added to the construction ledger.

[Overview of annual cash flow forecast 400]
Next, by using an example of the cash flow annual result prediction table detail screen shown in FIG. 8, the cash flow annual result forecast button 1400 displayed on the home screen 1000 is clicked or tapped and displayed. The prediction table detail screen 400 will be described. The cash flow annual performance forecast table shows the cash flow performance and forecast in the fiscal year for each month. In FIG. 8, description is made separately from FIG. 8A, the details of the cash flow annual results forecast table (part 1), FIG. 8B, the details of the cash flow annual results forecast table (part 2), and FIG. 8C, the details of the cash flow annual results forecast table (part 3). However, on an actual screen, they are displayed collectively on one screen.

  When the user clicks or taps on the funding annual result prediction button 1400 on the home screen 1000, the control unit 10 executes the funding annual result prediction display unit 17, and the display unit 60 displays the funding result and prediction in the fiscal year. The funding annual performance forecast table detailed screen 400 shown is displayed.

  The cash flow annual performance forecast table detail screen 400 is roughly divided into the previous month carry-over 420 shown in FIG. 8A, the income 430, the expenditure 440 shown in FIG. 8B, the current month balance 450 shown in FIG. 470, financial balance 480, carry-over 490 for the following month, public works upfront balance 491, and periodic / reserved money 492. These items are displayed as a 12-month list based on the month designated by the display start date 410.

  The column of income 430 shown in FIG. 8A includes middle items of sales collection 431 and accounts receivable 432, and accounts receivable 432 includes small items of ledger cases, construction cases, other ward cases, prime contract cases, and EPS cases. The items of the ledger case of the accounts receivable collection 432 are calculated from the payment-related database 312 of the ledger database 31, and the other items can be arbitrarily input with predicted values. The sum of these sales is displayed as the total income (2) 433.

  As described above, the column of the ledger case of the accounts receivable 432 shown in the cash flow annual result forecast table detail screen 400 includes, among the accounts receivable for the construction registered in the construction ledger 200 shown in FIGS. Accounts receivable that has been collected are recorded based on the payment-related database 312. Also, in the example shown in FIG. 8A, there is an input button 434 for correcting the amount for the past month, and by clicking or tapping the input button 434, the amount can be directly input to the table and corrected. it can.

  That is, with respect to the item of the ledger case of the receivable collection 432, the receivable collected in the month out of the receivables of the construction registered in the construction ledger 200 is recorded based on the payment-related database 312. When it is necessary to correct the amount of the month of the month, when the user clicks or taps the input button 434 displayed in the column of the accounts receivable, the control unit 10 executes the accounts receivable input unit 25 and gives the user the accounts receivable. The screen to be input is displayed on the display unit 60. When the user inputs the amount, the receivable input unit 25 corrects the input amount as the receivable collected in the current month and records the amount.

  The expenditures shown in FIG. 8B include purchase payment 441, accounts payable payment (1) 442, accounts payable payment (2) 443, personnel expenses 444, expenses 445, taxes and dividends 446, interest paid 447, and tax payment. Consists of Accounts payable (1) 442 and accounts payable (2) 443 are items related to the payment of accounts payable having different payment cycles. Other medium items and small items of accounts payable are optional depending on the trader used. Can be set to In the example shown in FIG. 8B, the accounts payable (1) is composed of small items related to construction and civil engineering, and the accounts payable (2) is composed of small items related to EPS. The sum of these expenditures is displayed as the total expenditure (3) 448.

  In the columns of accounts payable (1) 442 and accounts payable (2) 443 shown in the cash flow annual result forecast table, of the accounts payable of the work registered in the work ledger 200 shown in FIGS. 6A to 6C. The accounts payable that was paid in the month is recorded based on the payment-related database 313 of the construction database 31. In the example shown in FIG. 6B, an input button 449 for correcting the amount of money in the past month is provided in the field of accounts payable (1) and the field of accounts payable (2). By clicking or tapping 449, the amount corrected in the past month can be directly input to the table.

  In other words, regarding the items of the accounts payable payment (1) 442 and the accounts payable payment (2) 443, among the accounts payable of the work registered in the The account is calculated based on the database 313, but if it is necessary to correct the amount in the past month, the input button 449 displayed in the column of the accounts payable (1) or the accounts payable (2) is changed by the user. When the user clicks or taps, the control unit 10 executes the accounts payable input unit 26 and causes the display unit 60 to display a screen for allowing the user to input the accounts payable. When the user inputs the amount, the accounts payable input unit 26 corrects the input amount as the accounts payable paid in the current month and records the corrected amount.

  The financial procurement 460 and bond repayment 470 shown as examples in FIG. 8C are arbitrary items that can be set by the user. In this embodiment, the financial procurement 460 includes short-term, long-term, ABL, and corporate bonds, and the sum of these procurement amounts is displayed as the total (5) of the financial procurement. The items related to bond repayment 470 consist of short-term and long-term private placement bonds, and the sum of these repayments is displayed as the total (6) of bond repayments. Further, a value obtained by subtracting the total (6) of bond repayments from the total (5) of financial procurement is displayed as a financial balance (7) 480.

  As shown in FIG. 8C, a result obtained by subtracting the total amount of expenditure (3) 448 shown in FIG. 68 from the total amount of income (2) 433 shown in FIG. 8A is displayed as the current month balance (4) 450. The financial balance (7) 480 and the previous month's carry-over (1) 420 shown in FIG. 8A are added to the current month's balance (4) 450, and the result is displayed as the carry-over amount 490 for the next month.

  A confirm button 493 is arranged in each month of the funding annual result forecast table. By clicking or tapping the confirm button 493, the budget for the current month can be confirmed, and is arranged adjacent to the confirm button 493. The check box 494 is checked.

  That is, when the user clicks or taps the confirmation button 493, it is assumed that the control unit 10 executes the result confirmation unit 27 for the current month and confirms the input and displayed result prediction.

  In this manner, the funding annual performance forecast table detail screen 400 can be created and managed. According to the detailed display screen 400 of the cash flow annual result prediction table by the credit judgment material providing system 1 for the building industry according to the present embodiment, it is possible to more accurately input items that have been received but have not been registered in the system. A cash flow forecast table can be created. In other words, the income item includes the amount of income for the project to be ordered, and the expenditure item includes the expenditures such as the cost of Each month includes almost the same amount of expenditures and salaries. When the order has been received, by accurately inputting these items, accurate cash flow prediction can be performed.

  According to the credit-determination-material providing system 1 for the building industry according to the present embodiment, the expected payment date information and the payment confirmation date information are displayed for each transaction on the deposit / withdrawal management screen 300 that summarizes the contents of deposits and withdrawals in a predetermined period. , It is easy to make a prediction of payment, and since the scheduled payment date information and the payment confirmation date information are based on the sales information included in each construction ledger 200, a plurality of works are performed in parallel. Even in such a case, it is possible to accurately grasp the flow of money at a glance, and it is possible to provide a system that can easily obtain the trust of financial institutions.

  Further, on the condition that the billing content is recorded as sales by the sales accounting means, the billing content is added to the deposit / withdrawal management screen 300 as deposit information, so that the deposit / withdrawal management screen 300 is accurately updated by a simple operation. It becomes possible.

  Furthermore, since the expected payment date information is determined based on the sales accounting date information and the customer information, it is possible to determine the expected payment date for each construction item based on a customer-specific closing date and a payment site. It becomes possible, and it becomes possible to grasp in and out of money in more detail. That is, in the system 1 for providing credit judgment material for the building industry according to the present embodiment, a payment plan and a withdrawal plan for each case are input to the payment-related database 312 and the payment-related database 313, respectively, when the order is received. The system replaces the plan figures with actual figures every month, and corrects and inputs the schedule after the month. By checking the results and schedules every month and correcting them one by one, it is possible to make a very accurate forecast of construction project income and expenditure and a long-term cash flow forecast. As a result, it is possible to construct a system that allows a financial institution to view a construction project list and a detailed table of financing forecast results for each construction project, and the system leads to the establishment of a trusting relationship between the contractor and the financial institution.

  By configuring as described above, even when multiple works are performed in parallel, it is possible to easily manage individual deposits and withdrawals and their schedules, and the financial institution determines whether or not to lend. It is possible to provide a credit-determination-material providing system for the building industry that can perform the above.

  As described above, the embodiments of the present invention have been described, but the present invention is not limited to these embodiments. In addition, the effects described in the embodiments of the present invention merely enumerate the most preferable effects resulting from the present invention, and the effects of the present invention are limited to those described in the embodiments of the present invention. is not.

  In addition, the above-described embodiments have been described in detail in order to easily explain the present invention, and are not necessarily limited to those having all the configurations described above. In addition, part of the configuration of one embodiment can be replaced with the configuration of another embodiment, and the configuration of one embodiment can be added to the configuration of another embodiment. . In addition, a part of the configuration of each embodiment may be added, deleted, or replaced with another configuration.

  In addition, a part or all of the above-described configurations, functions, and processing units may be realized by hardware (for example, an integrated circuit). Further, each of the above configurations, functions, and processing units may be realized by software by a processor interpreting and executing a program for realizing each function. Information such as programs, tables, and files for realizing each function can be stored in a memory, a hard disk, a recording device such as an SSD (Solid State Drive), or a recording medium such as an IC card, an SD card, or a DVD.

DESCRIPTION OF SYMBOLS 1 Credit judgment material provision system for construction industry 10 Control part 11 Construction ledger creation part 12 Customer information registration registration part 13 Contractor information registration part 30 Storage part 31 Construction database 311 Construction case database 312 Payment relation database 313 Payment relation database 32 Customer database 33 Trader database 40 Communication unit 50 Input unit 60 Display unit

Claims (3)

A credit judgment material providing system for a building industry in which a material provided by a contractor to a financial institution is created on a computer,
Construction ledger creating means for creating a construction ledger including customer information, quote information, invoice information, sales information, and information on payment relating to the construction in charge of the builder,
Deposit and withdrawal management display means for displaying a deposit and withdrawal management screen that summarizes the contents of deposit and withdrawal during a predetermined period as deposit information and withdrawal information, respectively.
The sales information includes scheduled payment date information that is information about a scheduled payment date, and payment confirmed date information that is information about a payment confirmed date that is a date when the actual payment from the customer was made,
On the deposit / withdrawal management screen, the deposit confirmation date information is displayed simultaneously with the estimated deposit date information determined based on the sales accounting date information and the customer information ,
It further comprises a cash flow annual result forecast display means for displaying a cash flow annual result forecast table detail screen including a cash flow annual result forecast table which simultaneously displays the forecast together with the cash flow results in the fiscal year for each month,
On the cash flow annual performance forecast table details screen, the income amount for the project to be ordered from now on, the expenditure such as construction cost related to the project to be ordered from now on, the monthly expenditure such as SG & A expenses and salary, Are displayed at the same time,
The payment plan and the withdrawal plan for each project are input at the time of receiving an order, the figures of the plan are replaced with the actual figures every month, the schedule after the month is corrected and input, and the cash flow annual result forecast table details The results and the forecasts that are included and displayed simultaneously on the screen are checked monthly and corrected one by one,
Credit judgment material providing system for the construction industry. The construction ledger creating means includes: a bill creating means for creating a bill for claiming a fee for the construction to the orderer of the construction; and a bill described in the bill created by the bill creating means. A sales accounting means for accounting the content as sales,
The deposit and withdrawal management display means, when the billing content is recorded as sales by the sales accounting means, adds the billing content to the deposit and withdrawal management screen as the deposit information;
The credit judgment material providing system for the construction industry according to claim 1. The sales information includes, in addition to the expected payment date information and the payment confirmation date information, sales accounting date information that is information on a date that has been accounted for as sales by the sales accounting unit,
The expected payment date information is determined based on the sales accounting date information and customer information,
The credit judgment material providing system for the construction industry according to claim 2.

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