JP6852212B1 - Credit management device and credit management method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a technique for improving the profitability of a transfer claim. SOLUTION: One aspect of the present invention is an information acquisition unit that acquires target claim information regarding a target claim from a first server of a first business operator, and incidental income is attached to the target claim based on the target claim information. It has an information processing unit that determines whether or not the target claim is attached, and when it is determined that the target claim is accompanied by incidental income, the information acquisition unit acquires incidental income information related to the incidental income of the target claim. Regarding the device. [Selection diagram] Fig. 2

Description

The present invention relates to financial technology (fintech).

Basel regulations require banks to maintain a certain capital adequacy ratio in order to improve the soundness of financial institutions. Specifically, banks engaged in international business are required to maintain a capital adequacy ratio of 8% or more, and banks with only domestic business are required to maintain a capital adequacy ratio of 4% or more. Therefore, each bank needs to increase its equity capital in order to increase lending.

On the other hand, it is often difficult to flexibly increase equity capital through investment, etc., and transfer of receivables and securitization of receivables are used as a scheme for increasing lending without increasing equity capital. As a result, lending can be increased without increasing lending assets.

In order to increase mortgage lending, banks are working with business companies to reduce lending rates. For example, when a mortgage contractor contracts for electricity or communication services in a new house with a predetermined business company, the business company provides compensation, which provides an approach to lower the lending interest rate.

Japanese Unexamined Patent Publication No. 2004-220554

https://www.kddi.com/jibun-denki/

Due to the declining demand for funds and historically low interest rates, the competition for lending of various loans including mortgages by banks is intensifying, and the lending interest rate is kept at a low level. For this reason, the profitability of loan receivables is low, and it is becoming difficult to complete the transfer of receivables.

In addition, in the conventional bond transfer and bond securitization, a trust bank intervenes between the lending financial institution and the bond purchasing financial institution, and a part of the profit obtained from the bond is paid as consideration for the trust bank's entrusted business. , Further reduce the profitability of the transferred receivables.

In view of the above problems, an object of the present invention is to provide a technique for improving the profitability of the transferred claim.

In order to solve the above problems, one aspect of the present invention is an information acquisition unit that acquires target claim information regarding a target claim from a first server of a first business operator, and an incidental income to the target claim based on the target claim information. It has an information processing unit that determines whether or not it is incidental, and when it is determined that incidental income is incidental to the target claim, the information acquisition unit acquires incidental income information related to the incidental income of the target claim. Regarding the credit management device to be used.

According to the present invention, the transfer of a claim can be promoted by improving the profitability of the transfer claim.

It is the schematic which shows the claim transfer scheme by one Example of this invention. It is the schematic which shows the claim transfer system by one Example of this invention. It is a block diagram which shows the hardware composition of each apparatus by one Example of this invention. It is a block diagram which shows the functional structure of the credit management apparatus by one Embodiment of this invention. The object claim information according to one embodiment of the present invention is shown. The compensation information and the dividend information according to one embodiment of the present invention are shown. It is a flowchart which shows the transfer claim determination process by one Example of this invention.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

In the following embodiment, a bond transfer system that realizes a bond transfer with incidental income is disclosed.

[Receivable transfer scheme for purpose receivables with incidental income]
Summarizing the claim transfer scheme according to the embodiment of the present invention, as shown in FIG. 1, the lending financial institution executes a loan to a mortgage user and holds a target claim for the loan. Typically, a lending financial institution composes a transferable object receivable by grouping individual receivables to a large number of mortgage users. In the loan transfer scheme according to this embodiment, the lending financial institution provides compensation provided by the operating company by the mortgage user using the prescribed services such as electric power and communication, group credit insurance used by the mortgage user, etc. The incidental income such as dividends from the insurance company obtained from the loan is added to the monetary value of the target loan to be transferred to form the target loan with incidental income, and the created target loan with incidental income is purchased without the intervention of the trust bank. Transfer to a financial institution. According to the bond transfer scheme, the profitability of the target loan can be improved by the incidental income, which makes it possible to promote the transfer of the loan.

In the following embodiment, the target claim is a mortgage claim, and the incidental income is a compensation from a partner company and a dividend from a group credit insurance, but the present invention is not limited to this, and other It may be a type of claim and a purpose claim with ancillary income with ancillary income.

[Assignment transfer system]
A claim transfer system according to an embodiment of the present invention will be described with reference to FIG. FIG. 2 is a schematic view showing a bond transfer system according to an embodiment of the present invention.

As shown in FIG. 2, the credit transfer system 10 includes a loan financial institution server 20, an affiliated business server 30, an insurance company server 40, and a credit management device 100.

The loan financial institution server 20 is operated by a loan financial institution that executes a loan such as a mortgage, and generates and holds target loan information regarding a loan claim lent to a loan user. For example, the target interest rate information includes identification information of the target interest rate, loan amount, interest rate type such as floating interest rate or fixed interest rate, and lending interest rate (for example, a spread from the base interest rate in the case of a floating interest rate, and the fixed interest rate in the case of a fixed interest rate). In addition to lending conditions such as interest rate) and lending period, a flag indicating the presence or absence of incidental income incidental to the target loan, such as compensation from a partner company and dividend from an insurance company, may be included.

The affiliated business server 30 is operated by a business affiliated with a lending financial institution regarding loan lending, and is a loan financial institution as a resource for reducing loan interest rates for loan users who use their own services such as electric power services and communication services. Generates and retains compensation information regarding compensation provided to. For example, the compensation information may include identification information, identification information of the target claim that is the basis of the compensation, compensation amount, provision method, and the like. For example, the provision method may indicate details of the provision method, such as whether the compensation is provided in a lump sum or in installments.

The insurance company server 40 is operated by an insurance company that provides group credit insurance for loan lending such as mortgages by a lending financial institution, and surplus is generated by the difference between the collected insurance premium and the actually paid out insurance money. Generates and retains dividend information regarding the dividend to be distributed in the event of a failure. For example, the dividend information may include identification information, identification information of the target claim that is the basis of the dividend, the dividend amount, and the like. The dividend amount may be an estimated value of the present value of the total amount of expected future dividends.

As will be described in detail below, the loan management device 100 is operated by a purchasing financial institution that purchases loan claims lent by a lending financial institution as the purpose of claim transfer, and incidental income (for example, compensation, dividends). Etc.), extract, compose, manage, etc. In addition, after the purchase of the target credit, the credit purchasing financial institution may acquire incidental revenue from the lending financial institution, or from the provider of incidental revenue such as a partner business operator without going through the lending financial institution. The incidental revenue may be directly acquired, and the credit management device 100 may manage the receipt status of the incidental revenue. The credit management device 100 according to the present invention is not limited to this, and some or all the functions of the credit management device 100 are realized by, for example, a server operated by another entity such as a lending financial institution or an intermediary institution. May be done.

Here, the credit management device 100 is realized by a server, and may have a hardware configuration as shown in FIG. 3, for example. That is, the credit management device 100 includes a drive device 101, an auxiliary storage device 102, a memory device 103, a CPU (Central Processing Unit) 104, an interface device 105, and a communication device 106 that are interconnected via the bus B.

Various computer programs including programs for realizing various functions and processes described later in the credit management device 100 may be provided by a recording medium 107 such as a CD-ROM (Compact Disk-Read Only Memory). When the recording medium 107 storing the program is set in the drive device 101, the program is installed in the auxiliary storage device 102 from the recording medium 107 via the drive device 101. However, the program does not necessarily have to be installed on the recording medium 107, and may be downloaded from any external device via a network or the like. The auxiliary storage device 102 stores the installed program and also stores necessary files and data. The memory device 103 reads and stores a program or data from the auxiliary storage device 102 when a program start instruction is given. The CPU 104, which functions as a processor, executes various functions and processes of the credit management device 100 as described later according to various data such as a program stored in the memory device 103 and parameters necessary for executing the program. The interface device 105 is used as a communication interface for connecting to a network or an external device. The communication device 106 executes various communication processes for communicating with the external device.

However, the credit management device 100 is not limited to the hardware configuration described above, and may be realized by any other appropriate hardware configuration.

Further, the loan financial institution server 20, the affiliated business server 30, and the insurance company server 40 can also be realized by the hardware configuration described above.

[Claims management device]
Next, the credit management device 100 according to the embodiment of the present invention will be described with reference to FIGS. 4 and 5. In this embodiment, the bond management device 100 is operated by the loan purchase financial institution, and when the loan purchase financial institution purchases the loan claim from the loan financial institution, it determines whether the loan claim has ancillary income, and there is an incidental income. , Manage loan receivables to be purchased, including incidental income, as target receivables. In this embodiment, a floating interest rate loan is targeted for simplification of explanation, but the present invention is not limited to this, and is a fixed interest rate loan, a combination of a fixed interest rate loan and a floating interest rate loan, and the like. May be good. Further, in the present embodiment, the target loan is purchased from the lending financial institution that lent to the loan user, but the target loan according to the present disclosure is not limited to this. For example, the target claim according to the present disclosure may be a target bond that is further sold from the bond-purchasing financial institution that purchased the target bond to another bond-purchasing financial institution. FIG. 4 is a block diagram showing a functional configuration of the credit management device 100 according to an embodiment of the present invention.

As shown in FIG. 4, the credit management device 100 includes an information acquisition unit 110, an information processing unit 120, and a credit management unit 130.

The information acquisition unit 110 acquires the target loan information regarding the target loan from the loan financial institution server 20. For example, the information acquisition unit 110 receives the target loan information regarding the loan receivable lent by the lending financial institution from the lending financial institution server 20 via the communication network.

The target loan information indicates the contract details of each loan claim, and for example, as shown in FIG. 5, a flag indicating whether or not loan identification information, loan conditions, and incidental income are attached to each loan claim. May include. The loan identification information is an identifier (for example, L001, L002, L003, ...) That identifies each loan claim. Lending terms can typically include loan amounts, interest rates (eg, spreads from base rates such as short-term prime rates), terms and conditions. The flag indicates whether the loan receivable has ancillary income such as compensation and / or dividends. The object claim information according to the present invention is not limited to the illustrated information items, and may be composed of any other appropriate information item indicating the contract contents of the loan claim.

In addition, the information acquisition unit 110 acquires incidental revenue information related to incidental revenue. For example, the information acquisition unit 110 receives the incidental income information related to the incidental income obtained attached to the loan claim lent by the loan financial institution from the loan financial institution server 20 via the communication network.

Ancillary income information is composed of compensation information related to compensation provided by affiliated companies incidental to each loan claim, dividend information related to dividends provided by insurance companies incidental to each loan claim, etc. May be good.

For example, in a compensation contract, if a loan user concludes a usage contract for various services such as electric power service and communication service provided by a partner company at the time of the loan contract and continues to use the contracted service, the compensation from the business operator Will reduce the loan interest rate from the start of the loan to the repayment. For example, suppose a lending financial institution wants to lend to a loan user at an interest rate of 0.8%. At this time, if the affiliated electric power company concludes a compensation contract with the loan user to cover the interest rate of 0.02% by using the electric power service by the loan user, the loan financial institution will have an interest rate of 0.78% with the loan user. And receive a 0.02% interest rate compensation from a partner company. When there is compensation in this way, in this embodiment, when the loan purchase financial institution purchases 0.78% loan receivables, not only the 0.78% loan receivables but also the 0.02% interest rate Make it possible to receive compensation as ancillary income. This makes it possible to improve the profitability of the target loan to be transferred.

The compensation information related to the compensation indicates the contents of each compensation contract and the loan receivables that are the basis of the compensation contract. For example, as shown in FIG. 6A, for each compensation contract, the compensation contract identification information, the loan identification information and the loan identification information It may consist of compensation. The compensation contract identification information is an identifier (for example, C001, C002, C003, ...) That identifies each compensation contract. The loan identification information is an identifier (for example, L001, L002, L003, ...) That identifies the loan claim that is the basis of the compensation contract. Compensation indicates the amount of reduction in the interest rate of the loan receivable. The compensation amount is not limited to this, and may be the compensation amount provided by the affiliated business company. The compensation information according to the present invention is not limited to the illustrated information items, and may be composed of any other appropriate information items indicating the contents of the compensation contract.

In addition, when the loan user has an insurance contract such as group credit insurance for the loan, the dividend is the insurance money actually paid by the insurance company due to death etc. from the insurance premium received from the loan user. This is a distribution that is refunded from the insurance company to the lending financial institution when surplus is generated by deducting the expenses of the insurance company. By adding the dividend as ancillary income of the target loan, it is possible to improve the profitability of the target loan to be transferred.

Dividend information regarding dividends indicates the content of each dividend and the underlying loan receivables, and for example, as shown in FIG. 6 (b), for each dividend, from the dividend identification information, the loan identification information, and the dividend. It may be configured. The dividend identification information is an identifier (for example, D001, D002, D003, ...) That identifies each dividend. The loan identification information is an identifier (for example, L001, L002, L003, ...) That identifies the loan claim that is the basis of the dividend. Dividend indicates the amount of dividend. Dividends are fixed at a future point in time and are undecided at this point. Therefore, the amount obtained by multiplying the premium paid by the expected distribution rate expected from past data or its present value. It may be.

The incidental income information is not limited to the compensation information and the dividend information, and may include information on any other income incidental to the loan receivable.

The information processing unit 120 determines whether or not incidental income is attached to the target loan based on the target loan information. Specifically, the information processing unit 120 refers to the incidental revenue flag of each loan claim in the target loan information received by the information acquisition unit 110, and determines whether or not the loan claim is incidental to the incidental revenue. When the loan receivable is accompanied by ancillary income, the information acquisition unit 110 further acquires the incidental income information related to the incidental income of the loan receivable from the loan financial institution server 20. However, the present disclosure is not limited to this, and for example, the information acquisition unit 110 obtains incidental revenue information from a server of a business operator that provides incidental revenue such as a partner business operator server 30 without going through the loan financial institution server 20. You may get it directly.

For example, in the specific examples shown in FIGS. 5 and 6, when the information processing unit 120 detects that the incidental income flag of the loan identification information "L001" is "Yes", the information acquisition unit 110 causes the loan financial institution server. The compensation information and / or the dividend information corresponding to the loan identification information "L001" is extracted from 20. In the illustrated specific example, the information acquisition unit 110 detects the compensation contract identification information "C001" and the dividend identification information "D001" corresponding to the loan identification information "L001", thereby causing the loan identification information "L001". It can be seen that the target loan corresponding to the above has ancillary income of compensation "0.03%" and dividend "0.01%".

Similarly, when the target bond with the incidental profit flag "Yes" is detected, the information acquisition unit 110 extracts the compensation information and / or the dividend information corresponding to the target bond. On the other hand, when the target bond whose incidental income flag is "none" is detected, it can be determined that the target bond does not have incidental income.

The claim management unit 130 calculates the monetary value such as the value of the target claim based on the target claim information and the incidental income information. Specifically, the claim management unit 130 adds the income in the incidental revenue information to the interest rate in the target claim information and calculates the monetary value of the target claim with the incidental revenue.

For example, when compensation is attached to the target claim as incidental income, the claim management unit 130 adds the compensation in the compensation information to the interest rate in the target claim information and calculates the monetary value of the target claim with incidental income. To do. For example, for the target bond "L004" shown in FIG. 5, the claim management unit 130 adds the compensation "0.02" of the compensation contract "C003" incidental to the interest rate "+ 0.30%" in the target bond information. % "Is added to derive the monetary value" + 0.32% "of the target loan with incidental income.

Further, for example, when a dividend is attached to the target claim as ancillary income, the claim management unit 130 adds the dividend in the dividend information to the interest rate in the target claim information, and the monetary value of the target claim with the incidental income. To calculate. For example, with respect to the target bond "L005" shown in FIG. 5, the claim management unit 130 adds the dividend "0.011%" of the dividend "D003" incidental to the interest rate "+ 0.20%" in the target bond information. Is added to derive the monetary value "+ 0.211%" of the target loan with incidental income.

Further, for example, when compensation and dividends are attached to the target bond as incidental income, the credit management unit 130 sets the interest rate in the target bond information as the compensation in the compensation information and the dividend in the dividend information. Add up to calculate the monetary value of the target loan with incidental income. For example, for the target bond "L001" shown in FIG. 5, the claim management unit 130 adds the compensation "0.03%" of the compensation contract "C001" incidental to the interest rate "+ 0.30%" in the target bond information. And the dividend "0.01%" of the incidental dividend "D001" is added to derive the monetary value "+ 0.34%" of the target loan with incidental income.

When the monetary value of the individual target claims with incidental income is calculated in this way, the claim management unit 130 collects one or more target claims with incidental income as a target claim group to be transferred, and the entire target claim group. Calculate the monetary value of. For example, when the target claims "L001", "L002", "L004", and "L005" with incidental income shown in FIG. 5 are determined to be transferred, the claim management unit 130 determines the target claims in the target claim information. Compensation information and dividends for L001 "," L002 "," L004 "," L005 "interest rates" + 0.30% "," + 0.35% "," + 0.30% "," + 0.20% " The monetary value such as the income and value of the object loan group with incidental income is added by adding the compensation and / or dividend in the money information and appropriately weighting it based on the loan conditions such as the loan amount and period of each object loan. Is calculated.

When the target credit group to be transferred and its monetary value are determined in this way, the credit management unit 130 may notify the user of the credit management device 100 of the determined target credit group to be transferred and its monetary value. ..

Further, the claim management unit 130 uses the target claim information and the incidental income information such as compensation information and dividend information according to the above-mentioned calculation method of the income and monetary value of the target loan group with incidental income. The monetary value such as the income and value of the object loan group may be calculated for various combinations of the object loan with incidental income. Then, when the credit management unit 130 determines the target credit group that brings the monetary value equal to or higher than a predetermined threshold value, the credit management unit 130 may notify the user of the determined target credit group. As a result, the credit management device 100 can automatically determine the combination of the target credits that exceeds the monetary value set by the user, and the purchased credit financial institution can obtain the target credit information and incidental profit information obtained from the loan financial institution. Based on, it is possible to determine the target loan group that exceeds the set monetary value. The purchased loan financial institution can present the determined target loan group as a transferable loan to the lending financial institution and transfer the target loan group from the lending financial institution.

In the above-described embodiment, the target claim to be transferred is determined only from the target claim with incidental revenue, but the claim management device 100 according to the present invention is not limited to this, and the target claim without incidental revenue is the purpose to be transferred. It may be included in the credit group. For example, there may be a target loan without incidental income loaned at an interest rate higher than the income of the target loan with incidental income, and this may be included in the target loan group to be transferred.

Further, in the above-described embodiment, the incidental income is a positive income, but the present invention is not limited to this, and may be a negative income, that is, an incidental loss. In this case, the income of the target loan with incidental income can be calculated by deducting the incidental loss.

Further, in the above-described embodiment, only the presence / absence of the incidental revenue flag is shown, but the present invention is not limited to this, and may indicate the incidental revenue type such as compensation and dividend.

[Assignment claim determination process]
Next, the transfer claim determination process according to the embodiment of the present invention will be described with reference to FIG. 7. The process may be realized by, for example, the above-mentioned credit management device 100, and in particular, the processor of the credit management device 100 may be realized by executing a program stored in the memory. FIG. 7 is a flowchart showing a transfer claim determination process according to an embodiment of the present invention.

As shown in FIG. 7, in step S101, the claim management device 100 acquires the target claim information of the target claim to be processed. Specifically, the loan management device 100 receives the target loan information regarding the loan loan from the loan financial institution server 20. For example, the target loan information may include loan identification information, loan conditions, and ancillary income flags as shown in FIG.

In step S102, the credit management device 100 determines whether or not there is an incidental revenue flag in the target credit information in order to determine whether or not the target credit is accompanied by incidental revenue. For example, the claim management device 100 confirms whether the incidental profit flag of the target claim in the target claim information is “yes” or “no”.

When the incidental revenue flag is "Yes" (S102: YES), in step S103, the claim management device 100 acquires the incidental revenue information of the target claim. Specifically, the credit management device 100 receives incidental revenue information related to incidental revenue such as compensation information and dividend information from the loan financial institution server 20, and extracts incidental revenue information corresponding to the target claim. On the other hand, when the incidental revenue flag is "none", the flow proceeds to step S104 without acquiring the incidental revenue information of the target loan.

In step S104, the claim management device 100 calculates the monetary value such as the profit and value of the target claim. Specifically, when the target claim has incidental income such as compensation and dividends, the claim management device 100 adds the compensation in the compensation information, the dividend in the dividend information, etc. to the interest rate in the target claim information. Then, calculate the monetary value of the target loan with incidental income. On the other hand, when the target claim does not have ancillary income, the claim management device 100 determines the monetary value of the target claim based on the interest rate in the target claim information. The index showing the monetary value of the target claim is not limited to revenue or value, and any other appropriate index showing the monetary value of the target claim may be used.

In step S105, the credit management device 100 determines whether the calculated profit or value is equal to or greater than a predetermined threshold value. The threshold value may be set by the user of the credit management device 100, for example, and may be the lower limit of the profit required by the user for the target credit group to be transferred.

When the profit or value of the target claim is equal to or higher than the threshold value (S106: YES), in step S106, the claim management device 100 incorporates the target claim into the target claim group to be transferred. That is, since the revenue of the target claim is equal to or greater than the revenue requested by the user, it is eligible for transfer and is included in the target claim group to be transferred. On the other hand, when the income or value of the target bond is less than the threshold value (S106: NO), the flow proceeds to step S107 without including the target bond in the transferable target loan group.

In step S107, the credit management device 100 determines whether or not the termination condition is satisfied. For example, it may be determined whether or not the above-described processing has been executed for the target claim information of all the target claims held by the loan financial institution server 20. Alternatively, the purchase conditions by the loan purchase financial institution (for example, whether the monetary value of all the receivables of the target receivable group to be transferred has reached the threshold amount, or whether the monetary value of the target receivable group to be transferred has exceeded the threshold value, etc.) are satisfied. It may be determined whether or not it has been done.

When the termination condition is satisfied (S107: YES), the claim management device 100 terminates the transfer claim determination process. On the other hand, when the termination condition is not satisfied (S107: NO), the claim management device 100 repeats the above-mentioned steps for the next target claim.

Although the examples of the present invention have been described in detail above, the present invention is not limited to the above-mentioned specific embodiments, and various modifications are made within the scope of the gist of the present invention described in the claims.・ Can be changed.

10 Credit transfer system 20 Lending financial institution server 30 Partner company server 40 Insurance company server 100 Credit management device 110 Information acquisition department 120 Information processing department 130 Credit management department

Claims (6)

The information acquisition department that acquires the target loan information related to the target loan from the first server of the first business operator,
An information processing unit that determines whether or not ancillary income is attached to the objective claim based on the objective claim information.
Have,
When it is determined that the incidental revenue is incidental, the information acquisition unit is a claim management device that acquires incidental revenue information related to the incidental revenue of the target claim. The incidental revenue includes compensation from the second business operator.
The claim management device according to claim 1, wherein the incidental profit information includes compensation information transmitted from the second server of the second business operator. The incidental income includes dividends paid by a third party after the maturity of the insurance for the target loan.
The claim management device according to claim 1 or 2, wherein the incidental profit information includes dividend information transmitted from the third server of the third business operator. The claim management device according to any one of claims 1 to 3, further including a claim management unit that calculates the monetary value of the target claim based on the target claim information and the incidental income information. The claim management device according to claim 4, wherein the claim management unit determines the target claim as a transferable claim based on the calculated monetary value. The step that the server acquires the target loan information regarding the target loan from the first server of the first business operator,
A step in which the server determines whether or not incidental income is attached to the target loan based on the target loan information.
When it is determined that the incidental revenue is incidental, the server acquires the incidental revenue information related to the incidental revenue of the target claim, and
Credit management method with.

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