JP6856703B2 - Information providing device, information providing method and information providing program - Google Patents

Description

The present disclosure relates to an information providing device, an information providing method, and an information providing program that determines whether or not a loan is possible to a person who wishes to obtain a loan and provides loan information of a financial product that can receive the loan.

For managers who run businesses such as small and medium-sized enterprises and sole proprietorships, procuring the necessary funds for the business is a very important matter for the stable continuation of the business. One way to raise business funds is to get a loan from a financial institution. Financial institutions provide various financial products and provide loans to business owners according to the business scale and years of business continuity of companies and sole proprietors.

Therefore, in order for the managers of small and medium-sized enterprises and individual businesses to obtain appropriate loans for their own business scale, it is necessary to appropriately acquire loan information for financial products. However, financial products that provide business financing have various financing conditions, and it is not easy to obtain appropriate financing information for financial products.

For example, Patent Document 1 discloses an information processing device that estimates and calculates the creditworthiness of a user. In this device, when a user intends to receive a service such as a loan, the creditworthiness (credit ability) of the user is estimated and calculated based on the fee payment information of the user who subscribes to the communication service. With such a configuration, it is possible to easily calculate the creditworthiness of the user.

Japanese Unexamined Patent Publication No. 2019-02996

By the way, for the managers of small and medium-sized enterprises and individual businesses, applying for a loan to a financial institution poses a high psychological hurdle when considering the case of refusal. This is because the credit information agency that manages personal credit information registers the application information for the loan, so that it is possible to grasp whether or not the loan has been received after that. Therefore, by referring to the credit information of the loan applicant, it is possible to grasp that the applicant could not receive the loan at another financial institution. Under these circumstances, there is a tendency to think that the failure to obtain a loan at one financial institution will affect the loan screening at another financial institution.

Therefore, for example, a system has been desired in which the managers of small and medium-sized enterprises and individual businesses perform a preliminary examination and present appropriate financial products before applying for a loan to a financial institution. .. However, for example, the system described in Patent Document 1 is effective for easily estimating the creditworthiness of an individual, but is used as a creditworthiness when lending business feasibility to a manager of a small or medium-sized enterprise or an individual business. It was not possible, and as mentioned above, it was not a device that offered appropriate financial products to those who were applying for a business loan.

Therefore, in this disclosure, for example, before a manager of a small or medium-sized enterprise or a private business applies for a loan to a financial institution, it is possible to conduct a preliminary examination to determine whether or not the loan is possible and receive the loan. An information providing device, an information providing method, and an information providing program for providing loan information of financial products will be described.

The information providing device in one aspect of the present disclosure is an information providing device that determines whether or not a loan can be made and provides loan information of a financial product that can receive a loan, and is a financial information of an applicant for a loan in the past. Based on the credit model storage unit that stores the credit model for calculating the creditworthiness of the applicant, and the provisional examination department that determines whether or not to lend to the applicant based on the credit model, and the application. A loan information provider that recommends loan information for financial products that can be financed when it is possible to lend to a person, and a financial product provider that accepts applications for loans from applicants and provides financial products. It is provided with an application information transmission unit for transmitting the application information of the applicant and a notification unit for receiving notification information from the financial product provider and notifying the applicant regarding the application for the loan of the applicant.

The information providing method in one aspect of the present disclosure is an information providing method of determining whether or not a loan can be made and providing loan information of a financial product capable of receiving a loan, and the provisional examination department provides a loan in the past. Based on the credit model for calculating the creditworthiness of the applicant based on the financial information of the applicant, a preliminary examination step for determining whether or not to lend to the applicant from the financial information of the applicant and the loan information providing department perform , If the loan to the applicant is possible, the loan information provision step that recommends the loan information of the financial product that can receive the loan, and the application information transmission department accepts the application for the loan from the applicant, The application information transmission step of sending the application information of the applicant to the financial product provider that provides the financial product, and the notification information from the financial product provider regarding the application for the applicant's loan performed by the notification department are accepted and applied. It includes a notification step for notifying a person.

In addition, the information providing program in one aspect of the present disclosure is an information providing program that determines whether or not a loan can be made and provides loan information of financial products that can receive a loan, and is an information providing program of an applicant for a loan in the past. Based on the credit model for calculating the creditworthiness of the applicant based on the financial information, a preliminary examination step to determine whether or not to lend to the applicant from the financial information of the applicant, and when the loan to the applicant is possible, The loan information provision step that recommends the loan information of financial products that can receive a loan, and the application information of the applicant is sent to the financial product provider that provides the financial product by accepting the application for the loan from the applicant. The computer is made to execute the application information transmission step and the notification step of receiving the notification information from the financial product provider and notifying the applicant for the application for the loan of the applicant.

According to the present disclosure, based on a credit model for calculating the creditworthiness of a loan applicant, whether or not the loan is possible is determined from the applicant's financial information. Therefore, for example, it is possible for a manager of a small or medium-sized enterprise or a private business to conduct an examination in advance before applying for a loan to a financial institution. In addition, if it is possible to lend to the applicant, we will recommend the loan information of the financial products for which the loan can be obtained. This makes it possible to provide financing information for appropriate financial products.

It is a functional block block diagram which shows the information provision system which concerns on one Embodiment of this disclosure. It is a schematic diagram which shows the example of the relationship with the user terminal 200, the information providing apparatus 100, and the financial institution server 300 of FIG. It is a functional block block diagram which shows the user terminal 200 of FIG. It is a flowchart which shows the operation of the information providing apparatus 100 of FIG. It is a screen display figure which shows the example of the login screen W1 displayed on the display part 220 of FIG. It is a screen display figure which shows the example of the accounting processing screen W2 displayed on the display part 220 of FIG. It is a graph of the cash balance transition which shows the example of the cash balance processing in the provisional examination unit 132 of FIG. It is a histogram which shows the example of the simulation processing in the preliminary examination part 132 of FIG. It is a screen display diagram which shows the example of the loan information provision screen W3 displayed on the display part 220 of FIG. It is a screen display figure which shows the example of the repayment simulation screen W4 displayed on the display part 220 of FIG. It is a screen display diagram which shows the example of the user notification screen W5 displayed on the display part 220 of FIG. It is a screen display figure which shows the example of the usage history screen W6 displayed on the display part 220 of FIG. It is a functional block block diagram which shows the information provision system 1A which concerns on one Embodiment of this disclosure. It is a functional block block diagram which shows the computer 700 which concerns on one Embodiment of this disclosure.

Hereinafter, embodiments of the present disclosure will be described with reference to the drawings. The embodiments described below do not unreasonably limit the contents of the present disclosure described in the claims. Also, not all of the components shown in the embodiments are essential components of the present disclosure.

(Embodiment 1)
<Structure>
FIG. 1 is a functional block configuration diagram showing an information providing system 1 according to the first embodiment of the present disclosure. This information providing system 1 is not limited, but as an example, a financial product capable of determining whether or not to lend to a user who is a manager of a small or medium-sized enterprise or a private business on behalf of a financial institution and receiving a loan. It is a system that provides loan information of the above and provides application information to financial institutions that provide the financial products.

The service provided by the information providing system 1 is not limited to the provision of loan information as described above, and may be a general accounting processing service related to the user's company or individual business, and is input in the accounting processing service. You may use the financial information. Further, when it is determined that the cash flow is poor in the accounting process, a service for improving the cash flow may be provided, and a service for providing loan information of a financial product may be included in the service.

The information providing system 1 includes an information providing device 100, a user terminal 200, a financial institution server 300, and a network NW. The information providing device 100, the user terminal 200, and the financial institution server 300 are connected to each other via a network NW. The network NW is a communication network for communication, and is not limited to the Internet, an intranet, a LAN (Local Area Network), a WAN (Wide Area Network), a wireless LAN (Wireless LAN), and a wireless WAN (Wireless LAN). It is composed of a communication network including Wireless WAN (WAN), Virtual Private Network (VPN), and the like.

The information providing device 100 includes a credit model for calculating the creditworthiness of a loan applicant, and when receiving an input of a loan application from the user terminal 200, determines whether or not the loan is possible based on the credit model on behalf of the financial institution. It is a device that provides loan information for financial products that can receive loans, and provides application information to financial institutions that provide the financial products. The information providing device 100 is not limited, but is composed of, for example, a computer (desktop, laptop, tablet, etc.) that provides various Web services, a device including a server device, and the like. The server device is not limited to a server device that operates independently, but may be a distributed server system that operates cooperatively by communicating via a network NW, or a cloud server, and is one of the database configurations and functions of the present embodiment. The unit may be provided by an external server.

The user terminal 200 is a device that accepts a loan application operation input by the user and displays loan information of a financial product provided by the information providing device 100. It consists of a desktop, laptop, tablet, etc.). In this user terminal 200, as an example, not limited to, an application for receiving the provision of loan information in the information providing system 1 is installed, or a URL or the like for accessing the information providing device 100 is set, and tapping or tapping them is performed. By double-clicking or the like to start or display it on the browser, the loan information provision or accounting processing service is started.

The financial institution server 300 is, for example, a server device installed in a financial institution that provides loans to small and medium-sized enterprises, sole proprietors, and the like. The financial institution server 300 is not limited, but is composed of, for example, a computer (desktop, laptop, tablet, etc.) that provides various Web services, a device including a server device, and the like. Similar to the information providing device 100, the server device is not limited to the server device that operates independently, and may be a distributed server system or a cloud server that cooperates by communicating via the network NW.

FIG. 2 is a schematic diagram showing an example of the relationship between the user terminal 200, the information providing device 100, and the financial institution server 300 of FIG. As shown in FIG. 2, the information providing system 1 in the present embodiment is a user who operates by himself / herself when, for example, a user (applicant) U who is a manager of a small or medium-sized enterprise or a private business wants a business loan. The information providing device 100 is accessed via the terminal 200.

Then, the information providing device 100 determines whether or not the loan is possible based on the stored credit model from the financial information of the user U as a preliminary examination in the pre-stage of the loan examination by the financial institution. The determination of whether or not a loan can be made by the information providing device 100 is hereinafter referred to as a provisional examination. If it is determined that the loan is possible in this preliminary examination, the loan information of the financial product that can receive the loan is provided. The user U selects a financial product for which he / she receives a loan from the provided loan information.

When the user U selects a financial product, the information providing device 100 applies for a loan on behalf of the user U to the financial institution server 300 of the financial institution that provides the financial product selected by the user U, and transmits the application information. To do. At this time, the information providing device 100 transmits, for example, the personal information (name, age, etc.) of the user U, the attribute information, and the financial information related to the company or personal business of the user U stored in the information providing device 100.

The financial institution server 300 determines whether or not to lend from the application information of the user U based on the credit determination system provided for each financial institution. The determination of whether or not a loan can be made by the financial institution server 300 is hereinafter referred to as a main examination. In the main examination by the financial institution server 300, for example, depending on the financial product of the loan, the server of a predetermined credit information institution is accessed. By configuring the information provision system 1 in this way, it is possible to undergo a preliminary examination before applying for a loan to a financial institution, so that a user who is a manager of a small or medium-sized enterprise or a private business can apply for a loan. The purpose is to lower the psychological hurdle and lead to financing.

As shown in FIG. 1, the information providing device 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

The communication unit 110 is a communication interface for communicating with the user terminal 200 and the financial institution server 300 via the network NW by wire or wirelessly, and any communication protocol is used as long as mutual communication can be executed. May be good. The communication unit 110 is not limited, and for example, communication is performed by a communication protocol such as TCP / IP (Transmission Control Protocol / Internet Protocol).

The storage unit 120 stores programs, input data, and the like for executing various control processes and each function in the control unit 130, and is not limited, but as an example, a RAM (Random Access Memory) and a ROM (Read Only). It is composed of a memory including a memory) and a storage including an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory and the like. Further, the storage unit 120 stores the financial DB 121, the financial product DB 122, and the credit model DB (credit model storage unit) 123. Further, the storage unit 120 temporarily stores data when communicating with the user terminal 200 and the financial institution server 300, and data generated by each process described later.

The financial DB 121 stores financial information of a company or an individual business that is a user of the information providing system 1. Specifically, transaction information such as billing information related to the delivery of goods, business consignment fees, and various payment information such as purchase of equipment generated in the business of the company, etc. is the information of the business partner of the transaction. It is stored for each user as information such as expense items, dates of occurrence, and transaction amounts. In addition, by aggregating this transaction information, the company or the like treats it as financial information for a predetermined period such as daily, monthly, or yearly.

The financial product DB 122 stores, for example, loan information of a financial product at a financial institution that provides a business loan. Specifically, the loan information of a financial product includes information on the maximum amount of loan that can be obtained and the interest rate at the time of loan, which are provided in the product design. Normally, the lending limit and interest rate differ depending on the lender (user), but a certain range is set. For example, the lending limit is set at 100,000 to 3 million yen, and the interest rate is set at 13.5% to 15.5% per year.

The credit model DB 123 stores model information for calculating the creditworthiness based on the financial information of the company or individual business that is the user. This model information is not limited, but as an example, machine learning is performed based on the financial information stored in the financial DB 121 and the information of the financial product that the user has applied for in the past, and the user's financial information and the application are made. This is model information generated so as to show the relationship with the information of the financial product for which the above is performed, and is stored for each financial product stored in the financial product DB 122. This model information may include information on the availability of a loan from the financial institution to which the user has applied, and information on the repayment status of the user who has received the loan. The credit model DB 123 in the present embodiment may be generated by another system or the like.

The control unit 130 controls the overall operation of the information providing device 100 by executing a program stored in the storage unit 120, and is not limited to, but as an example, a CPU (Central Processing Unit), an MPU ( A device including a Micro Processing Unit (GPU), a GPU (Graphics Processing Unit), a microprocessor (Microprocessor), a processor core (Processor core), a multiprocessor (Multiprocessor), an ASIC (Application-Specific Integrated Circuit), and an FPGA (Field Programmable Gate Array). Etc. The control unit 130 includes an examination reception unit 131, a provisional examination unit 132, a loan information provision unit 133, an application information transmission unit 134, and a notification unit 135. The examination reception unit 131, the provisional examination unit 132, the loan information provision unit 133, the application information transmission unit 134, and the notification unit 135 are activated by the program stored in the storage unit 120 and executed by the information providing device 100. To.

In the examination reception unit 131, the user operates the user terminal 200 to access the information providing device 100, and the user terminal 200 operates to apply for a loan (provisional examination). Accept through. The loan application information may include, for example, information on the desired financial product, desired borrowing amount, desired borrowing date, and repayment period. As will be described later, even if the provisional examination unit 132 does not receive an application from the user, it may determine whether or not to lend to the user and perform a provisional examination. In this case, the examination reception unit 131 is provided. It does not have to be.

The provisional examination unit 132 performs a provisional examination by determining whether or not to lend to the user from the financial information of the user stored in the financial DB 121 based on the credit model stored in the credit model DB 123. Specifically, for example, from the user's financial information, the credit rating is calculated based on the credit model when the user receives a loan for a predetermined financial product applied for. The provisional examination unit 132 determines that the loan is possible when the credit rating is equal to or higher than a predetermined threshold value. This preliminary examination may be performed on all users or users who meet the predetermined conditions at a predetermined timing regardless of whether or not there is an application from the user. Further, it may be performed by an application from a user.

This preliminary examination may be performed for all financial products stored in the financial product DB 122, and if there is information on the financial product desired by the user, or information on the desired amount of borrowing or the desired date of borrowing, the request is made. It may be done in the range of. In addition, if the lending amount is less than the borrowing limit desired by the user, or if the interest rate is equal to or higher than the interest rate desired by the user, it may be determined that the loanable amount or interest rate can be conditionally financed.

Further, the provisional examination unit 132 predicts the cash balance on a predetermined date from the user's financial information stored in the financial DB 121 as an example, and calculates the ratio (PD) at which the balance is equal to or less than the loan amount. To do. The provisional examination unit 132 sets the predicted value of the cash balance at which the PD is equal to or less than a predetermined threshold value as the lending limit amount. Further, when the desired lending amount is set, it is determined that the lending is possible when the PD is equal to or higher than a predetermined threshold value. The forecast of the cash balance will be described later.

The loan information providing department 133 determines whether or not to lend to the user by the provisional examination department 132, and if the loan is available (if there is a financial product that can be financed), the loan of the financial product that can be loaned is provided. Make information recommendations. For example, for a financial product that can be financed, information on the lending limit and the interest rate at the time of financing stored in the financial product DB 122 is read and transmitted to the user terminal 200 via the communication unit 110. In the user terminal 200, for example, the received financial product information is displayed together with a button (application means) for the user to apply to the financial institution, and the user accepts the application to the financial institution.

Further, the loan information providing unit 133 may calculate a repayment simulation for the loan information, as will be described later. In this repayment simulation, when the desired loan amount and the desired repayment period of the loan are set by the examination reception unit 131, the monthly payment amount is calculated based on the loan amount and the repayment period.

The application information transmission unit 134 applies for a loan (main examination) to a financial institution by selecting from the loan information of the recommended financial product by the user pressing a button on the user terminal 200, etc. Information is received via the communication unit 110. Further, the application information transmission unit 134 transmits the user's application information to the financial institution server 300 of the financial institution that provides the financial product. The user's application information includes, for example, the user's personal information (name, age, etc.), attribute information such as the name of a company or a private business, and the user's financial information stored in the financial DB 121. The selection of loan information by the user is not limited to one, and a plurality of loan information may be selected. In this case, for example, as a loan condition, a condition that the loan cannot be used in combination with another company may be imposed.

Since the notification information is transmitted from the financial institution server 300 to the user's application to the financial institution server 300 sent by the application information transmission unit 134, the notification unit 135 transmits the notification information via the communication unit 110. Accept. Further, the notification unit 135 transmits the received notification information to the user terminal 200 via the communication unit 110. The user terminal 200 displays, for example, the received notification information from the financial institution server 300. The notification information from the financial institution server 300 is, for example, a notification that a loan application has been accepted, a status notification or result notification of the main examination, status information for a loan, or the like.

FIG. 3 is a functional block configuration diagram showing the user terminal 200 of FIG. The user terminal 200 includes a communication unit 210, a display unit 220, an operation unit 230, a storage unit 240, and a control unit 250.

The communication unit 210 is a communication interface for communicating with the information providing device 100 by wire or wirelessly via the network NW, and any communication protocol may be used as long as mutual communication can be executed. The communication unit 210 is not limited, and for example, communication is performed by a communication protocol such as TCP / IP.

The display unit 220 is a user interface used for displaying the operation content input by the user and the transmission content from the information providing device 100, and is composed of a liquid crystal display or the like. The display unit 220 displays the loan information of the financial product transmitted by the loan information providing unit 133, and displays the notification information from the financial institution server 300 transmitted by the notification unit 135.

The operation unit 230 is a user interface used for a user to input an operation instruction, and is composed of a keyboard, a mouse, a touch panel, and the like. The operation unit 230 is used to input the application information for the loan (provisional examination) to the examination reception unit 131 and the application information for the loan (main examination) to the financial institution to the application information transmission unit 134.

The storage unit 240 stores programs for executing various control processes and each function in the control unit 250, input data, and the like. The storage unit 240 is not limited, and as an example, a memory including a RAM, a ROM, and the like, an HDD, and the like. It is composed of storage including SSD, flash memory and the like. In addition, the storage unit 240 temporarily stores the data that has communicated with the information providing device 100.

The control unit 250 controls the entire operation of the user terminal 200 by executing a program stored in the storage unit 240, and is not limited to, but as an example, a CPU, an MPU, a GPU, a microprocessor, and a processor. It is composed of a core, a multiprocessor, an ASIC, a device including an FPGA, and the like.

<Processing flow>
With reference to FIG. 4, a processing flow of an example of the information providing method executed by the information providing device 100 of the information providing system 1 will be described. FIG. 4 is a flowchart showing the operation of the information providing device 100 of FIG.

As the process of step S101, the information providing device 100 performs user authentication in order to provide the user with the loan information providing service and the accounting service by the information providing system 1. Therefore, the user is requested to input the account information and the password, and the user authentication is performed by collating the registered information based on the input information. If they match, the information providing device 100 is logged in.

FIG. 5 is a screen display diagram showing an example of the login screen W1 displayed on the display unit 220 of FIG. In step S101, since the user operates the user terminal 200 to access the information providing device 100, the URL of the login screen is transmitted according to the instruction of the information providing device 100, and the login screen is displayed. Alternatively, the login screen is displayed according to the instruction of the application installed in the user terminal 200 in advance. By these operations, the login screen W1 as shown in FIG. 5 is displayed on the display unit 220 of the user terminal 200.

When the login screen W1 as shown in FIG. 5 is displayed on the user terminal 200, the user operates the operation unit 230 to display the account input field T1 and the password input field T2 provided on the login screen W1. Enter your account information (email address in this embodiment) and password respectively. After that, by pressing the login button B1, the user authentication in step S101 is performed, and the user is logged in to the information providing device 100.

As the process of step S102, in the examination reception unit 131 of the information providing device 100, the user applies for a loan (provisional examination) by operating the user terminal 200, so that the information of the application is accepted via the communication unit 110. In this embodiment, the case where the provisional examination is performed by the application from the user is described as an example, but as described above, the provisional examination is performed at a predetermined timing regardless of whether or not there is an application from the user. You may. In this case, the process of step S102 is not performed.

FIG. 6 is a screen display diagram showing an example of the accounting processing screen W2 displayed on the display unit 220 of FIG. When the user authentication is performed in step S101 and the user is logged in to the information providing device 100, the screen of the service provided by the information providing device 100 is displayed. For example, when the information providing device 100 provides all services of accounting processing related to a company or a private business, the initial screen of the accounting service is displayed.

In the example shown in FIG. 6, the accounting processing screen W2 displays the income and expenditure graph G1 showing the transition of the income and expenditure calculated by the accounting processing related to the user's company or individual business. In this accounting processing screen W2, a guide regarding the cash flow improvement service is described adjacent to the income and expenditure graph G1. Further, a service guidance button B2 is provided in the guidance regarding the cash flow improvement service.

When the user presses the service guidance button B2 on the accounting processing screen W2 shown in FIG. 6, the application from the user is received and the preliminary examination process of the subsequent step S103 is performed, and the financial product that can be financed in the next screen transition is performed. Information may be displayed. Further, as described above, regardless of whether or not there is an application from the user, a preliminary examination is performed in advance at a predetermined timing, and when the user presses the service guidance button B2, a loan can be made based on the result of the preliminary examination performed in advance. Information on financial products may be displayed. As a result, it is possible to receive a loan approval / disapproval judgment with a simple application procedure.

Furthermore, before the preliminary examination is conducted, a screen for entering information on the financial product for which you wish to borrow, the desired amount of borrowing, the desired date of borrowing, the repayment period, and the interest rate is displayed, and the preliminary examination is performed according to the input information. You may. The input information in this case is accepted by the examination reception unit 131.

As a process of step S103, the provisional examination unit 132 performs a provisional examination by determining whether or not the loan is possible for the user who applied for the loan (provisional examination) in step S102. In this preliminary examination, based on the credit model stored in the credit model DB 123, whether or not the loan is possible is determined from the financial information of the user stored in the financial DB 121.

Further, this preliminary examination may be performed for all financial products stored in the financial product DB 122, and in step S102, the information of the financial product desired by the user, the desired amount of borrowing, and the desired date of borrowing are input. If so, it may be done within the desired range. In the preliminary examination in step S103, the cash balance on a predetermined date is predicted from the user's financial information and the lending limit is calculated as an example, not limited to this. Therefore, the cash balance prediction will be described.

FIG. 7 is a graph of cash balance transition showing an example of cash balance processing in the provisional examination unit 132 of FIG. Further, FIG. 8 is a histogram showing an example of simulation processing in the provisional examination unit 132 of FIG. The graph L1 showing the transition of the cash balance shown in FIG. 7 is calculated from the financial information of the user stored in the financial DB 121, and is calculated for each month of the cash balance at a predetermined time (for example, the end of the month) in one month. It shows the transition. The graph L1 showing the change in the cash balance shows the change for one year (12 months) as an example.

Graph L2 showing the difference in cash balance shown in FIG. 7 shows the change in each month of the difference from the cash balance in the previous month, which is calculated from the change in cash balance shown in graph L1. The graph L2 showing the transition of the difference in the cash balance is also, for example, the transition of one year (12 months) (difference between January and February), difference between February and March, and March. Since the difference between minutes and April is ..., 11) is shown as the number of elements.

The histogram G2 showing the distribution of the predicted value of the cash balance shown in FIG. 8 shows the distribution of the predicted value of the cash balance calculated by performing a simulation from the transition of the difference of the cash balance shown in the graph L2. Specifically, this simulation is performed as follows.

From the difference value of the cash balance shown in the graph L2, any one is randomly extracted and added to the current cash balance to calculate the predicted value of the cash balance one month later. Similarly, one of them is randomly extracted and added to the predicted value of the cash balance after one month to calculate the predicted value of the cash balance after two months. The same calculation is repeated for the number of months in which the loan is made, and the predicted value of the cash balance on the repayment date is calculated. The calculation by such a simulation is repeated a sufficient number of times to obtain the distribution of the predicted value of the cash balance as shown in the histogram G2 shown in FIG. A method in which a simulation is performed using such random values and a predicted value is calculated is called a Monte Carlo simulation.

From the elements of the histogram G2, the ratio at which the predicted value of the cash balance on the repayment date is equal to or less than the loan amount is defined as the PD described above. In step S103, the loan limit is set to the predicted value of the cash balance at which the PD is equal to or less than a predetermined threshold value. Further, when the desired lending amount is set, it is determined that the lending is possible when the desired lending amount of the user is an amount in which the PD is equal to or higher than a predetermined threshold value. By judging whether or not a loan is possible by such a method, a more accurate judgment is possible.

As the process of step S104, the loan information providing unit 133 receives a loan when the result of the determination of whether or not to lend to the user performed in step S103 is that the loan is possible (when there is a financial product that can be loaned). Recommendations for loan information for one or more financial instruments that are possible. If the result of determining whether or not to lend is not possible (when there is no financial product that can be financed), it is displayed that there is no financial product that can be financed, but the illustration in this case is omitted. ..

FIG. 9 is a screen display diagram showing an example of the loan information providing screen W3 displayed on the display unit 220 of FIG. On the loan information provision screen W3 shown in FIG. 9, when the result of the loan availability determination performed in step S103 is that the loan is possible, the loan information of the financial product that can be financed is displayed in FIG. 9 as the process of step S104. It is displayed as the loan information P1 and P2 shown. The loan information P1 and P2 are information on the name of the financial institution (product name), the maximum loan amount that can be loaned, and the interest rate at the time of loan, which are stored in the financial product DB 122. If the determination result in step S103 has a condition on the lending limit or the interest rate, it is displayed within the range of the condition.

Further, the loan information providing screen W3 shown in FIG. 9 is provided with application buttons (application means) B3 and B4 that can be applied by pressing the loan information P1 and P2 when the loan application is desired. ing. When the user wishes to apply for the loan information P1 and P2, he / she applies by pressing the application buttons B3 and B4 by operating the operation unit 230.

FIG. 10 is a screen display diagram showing an example of the repayment simulation screen W4 displayed on the display unit 220 of FIG. The display of the loan information of the financial product that can be financed in step S104 may be performed by displaying the repayment simulation display P4 with respect to the loan information P3 shown in FIG. The repayment simulation display P4 is calculated in step S104 when the desired loan amount and the desired repayment period of the loan are set in step S102. For example, the set repayment period and the unit period. The repayment amount, that is, the monthly repayment amount, the breakdown of the principal (principal appropriation amount) and interest (interest appropriation amount) in the payment amount is displayed, and the monthly payment amount when receiving a loan. Can be understood. This makes it easier for the user to make a repayment plan and thus makes it easier to decide whether or not to receive a loan.

Further, for example, together with the repayment simulation screen W4 shown in FIG. 10, an input field for a set repayment period and a repayment amount per unit period may be displayed so that these values can be changed. In this case, the recalculation is performed with the value input by the loan information providing unit 133. This makes it possible to make a more appropriate repayment plan.

For example, when displaying the loan information of a financial product that can be financed, the repayment status of another user may be displayed. This makes it possible for other users with similar financial status to receive a loan and grasp the repayment status, so that it is possible to obtain information useful for deciding whether or not to receive a loan. it can.

As the process of step S105, the application information transmission unit 134 applies for a loan (main examination) to a financial institution by selecting from the loan information of the financial product recommended in step S104, and therefore the application information. Is accepted. For example, when the user selects the loan information P1 and P2 on the loan information providing screen W3 shown in FIG. 9 as the loan desired destination, the user presses the application buttons B3 and B4, so that the signal transmitted as the operation signal of the user terminal 200 is displayed. It is accepted via the communication unit 110.

As the process of step S106, the application information transmission unit 134 transmits the user's application information to the financial institution server 300 of the financial institution that provides the financial product of the loan destination received in step S105. The user's application information includes, for example, the user's personal information, attribute information such as the name of the user's company or private business, and the user's financial information stored in the financial DB 121.

As a process of step S107, in the notification unit 135, notification information is transmitted from the financial institution server 300 in response to the loan application to the financial institution server 300 transmitted in step S106, so that the notification information is communicated. It is accepted via the unit 110. Further, the received notification information is transmitted to the user terminal 200 via the communication unit 110 and displayed on the display unit 220 of the user terminal 200.

FIG. 11 is a screen display diagram showing an example of the user notification screen W5 displayed on the display unit 220 of FIG. On the user notification screen W5 shown in FIG. 11, the notification information transmitted from the financial institution server 300 in step S107 is displayed as the notification information P5 and P6 shown in FIG. The notification information P5 indicates that the loan application made by the user has been accepted by the financial institution server 300 and is under examination. The notification information P5 is provided with an application content confirmation button B5 so that the application content can be confirmed. Further, the notification information P6 indicates that the financial institution server 300 has notified the examination result to the loan application made by the user. The notification information P6 is provided with an examination result confirmation button B6, which makes it possible to confirm the examination result (whether or not the loan is possible). From such notification information, the user can know the examination status of the loan for which he / she has applied.

FIG. 12 is a screen display diagram showing an example of the usage history screen W6 displayed on the display unit 220 of FIG. The usage history screen W6 shown in FIG. 12 shows a state after the actual contract is made and the loan is made when the notification information transmitted from the financial institution server 300 in step S107 can be financed. It is displayed as the notification information P7 shown in FIG. The notification information P7 indicates that the loan application made by the user has been concluded and the information regarding the repayment after the loan has been notified from the financial institution server 300. With such notification information, the user can know the status of repayment of the loan even after the loan has been made.

<Effect>
As described above, the information providing device and the information providing method according to the present embodiment are provided with a credit model for calculating the creditworthiness of the loan applicant, and when the user receives the input of the loan application, the information providing device and the information providing method take the place of the financial institution. , Determines the availability of a loan based on a credit model and provides loan information for financial products that can receive a loan. Therefore, for example, it is possible for a manager of a small or medium-sized enterprise or a private business to conduct an examination in advance before applying for a loan to a financial institution. This can lower the psychological hurdles for applying for a loan and lead to a loan.

In addition, when conducting a preliminary examination, it is judged whether or not to lend to all the financial products that are memorized, so it is judged whether or not to lend not only to a specific financial product but also to various financial products. be able to. This makes it possible to receive loan information for appropriate financial products.

Furthermore, since an application button (application means) is provided in the screen for providing loan information, it is possible to apply for a loan with a simple application procedure. Further, at this time, since the application information of the user is transmitted, the resource of the financial information of the user can be effectively utilized. As a result, it is possible to reduce the time and effort of the user and lead to a loan.

(Embodiment 2)
FIG. 13 is a functional block configuration diagram showing the information providing system 1A according to the second embodiment of the present disclosure. This information providing system 1A determines whether or not to lend on behalf of a financial institution to the user, provides loan information of a financial product capable of receiving a loan, and provides application information to the financial institution that provides the financial product. The information providing system 1 according to the first embodiment is the same as the information providing system 1 according to the first embodiment, but the machine learning unit 136 is provided as a function of the control unit 130. Different from 1.

In the present embodiment, the credit model DB 123 included in the information providing device 100 is generated by performing machine learning in its own system. Other configurations and processing flows are the same as those in the first embodiment.

The machine learning unit 136 performs machine learning based on the past financial information of another user and generates the credit model DB 123. The information associated with the financial information of the other user may be the loan availability information in the main examination or the repayment status information of the other user who received the loan. Further, as the machine learning method, machine learning may be performed by any method such as supervised machine learning or reinforcement learning. The machine learning unit 136 also performs machine learning for the user at a predetermined timing, for example, when the examination result is notified from the financial institution server 300, or when the loan contract is concluded, and is reflected in the credit model DB 123 and updated. To do.

According to the present embodiment, in addition to the effect of the first embodiment, the machine learning unit is provided, so that the application information of the user can be appropriately reflected. This makes it possible to make a more accurate judgment as to whether or not a loan is possible.

(Embodiment 3 (program))
FIG. 14 is a functional block configuration diagram showing an example of the configuration of the computer (electronic computer) 700. The computer 700 includes a CPU 701, a main storage device 702, an auxiliary storage device 703, and an interface 704.

Here, each of the examination reception unit 131, the provisional examination unit 132, the loan information provision unit 133, the application information transmission unit 134, the notification unit 135, and the machine learning unit 136 according to the first and second embodiments. The details of the control program (information providing program) for realizing the function will be described. These functional blocks are implemented in the computer 700. The operation of each of these components is stored in the auxiliary storage device 703 in the form of a program. The CPU 701 reads the program from the auxiliary storage device 703, expands it to the main storage device 702, and executes the above processing according to the program. Further, the CPU 701 secures a storage area corresponding to the above-mentioned storage unit in the main storage device 702 according to the program.

Specifically, the program is based on a credit model for calculating the creditworthiness of an applicant based on the financial information of the applicant for a loan in the past on the computer 700, and from the financial information of the applicant to the applicant. A provisional examination step to determine whether or not a loan is possible, a loan information provision step to recommend loan information for financial products that can receive a loan if it is possible to lend to the applicant, and an application for a loan from the applicant. The application information transmission step of accepting and sending the application information of the applicant to the financial product provider that provides the financial product, and the notification information from the financial product provider regarding the applicant's loan application are received and sent to the applicant. It is a control program that realizes a notification step to notify and a computer.

The auxiliary storage device 703 is an example of a non-temporary tangible medium. Other examples of non-temporary tangible media include magnetic disks, magneto-optical disks, CD-ROMs, DVD-ROMs, semiconductor memories, etc. connected via interface 704. When this program is distributed to the computer 700 via the network, the distributed computer 700 may expand the program to the main storage device 702 and execute the above processing.

Further, the program may be for realizing a part of the above-mentioned functions. Further, the program may be a so-called difference file (difference program) that realizes the above-mentioned function in combination with another program already stored in the auxiliary storage device 703.

Although the embodiments related to the disclosure have been described above, these can be implemented in various other embodiments, and can be implemented by making various omissions, substitutions, and changes. These embodiments and modifications, as well as those omitted, replaced and modified, are included in the technical scope of the claims and the equivalent scope thereof.

1, 1A information providing system, 100, 100A information providing device, 110 communication unit, 120 storage unit, 121 financial DB, 122 financial product DB, 123 credit model DB (credit model storage unit), 130 control unit, 131 examination reception unit , 132 Provisional examination unit, 133 Loan information provision unit, 134 Application information transmission unit, 135 Notification unit, 136 Machine learning unit, 200 User terminal, 210 Communication unit, 220 Display unit, 230 Operation unit, 240 Storage unit, 250 Control unit , NW network

Claims (15)

An information providing device that determines whether or not a loan can be made and provides loan information for financial products that can receive the loan.
A credit model storage unit that stores a credit model for calculating the creditworthiness of the applicant for the loan based on the financial information of the applicant for the loan in the past.
Based on said credit model, the calculated from applicant's financial information to finance the creditworthiness of applicants to the loan, based on the predicted value of the cash balance in the predetermined repayment date from applicant's financial information to the lending calculates a credit limit, and based on said the applicant's creditworthiness to finance and the credit limit, the provisional examination unit judges whether the financing of applicant to the loan,
When the loan to the applicant for the loan is possible, the loan information of the financial product is referred to based on the loan limit, and the loan information of the financial product that can receive the loan is recommended. Information provision department and
It said with respect to the financial instruments that can get a loan, accepting the application to the loan from the applicant to the loan, the applicant of the application information to the financial product provider to provide financing to the financial product The application information transmission unit to be sent and
Wherein for the applicant's previous Kisaru write to loan receives the notification information from the financial product provider, the information providing device and a notification unit for notifying the applicant to the loan. The information providing device according to claim 1, wherein the loan information providing unit recommends the loan information of one or a plurality of the financial products that can receive the loan together with the information of the financial product provider. The second aspect of claim 2, wherein the loan information providing unit provides a means of applying to a financial product provider that provides the financial product together with loan information of one or a plurality of the financial products that can receive the loan. Information providing device. The loan information providing department receives information on the desired loan amount and repayment period from the applicant for the loan , calculates repayment simulation information for the loan based on the desired loan amount and the repayment period, and receives the loan. The information providing device according to claim 2 or 3, which is provided together with a loan information of one or a plurality of said financial instruments which can be used. The repayment simulation information includes the value of one or both of the repayment period for the loan and the repayment amount per unit period.
The fourth aspect of claim 4, wherein the loan information providing unit accepts a change in the value of one or both of the repayment period and the repayment amount, calculates and provides the repayment simulation information with the changed value. Information providing device. The loan information providing unit provides information on the repayment status of another applicant who has received the loan together with the loan information of one or a plurality of the financial products capable of receiving the loan, according to claim 2. Item 5. The information providing device according to any one of items 5. The credit model calculates the creditworthiness of another applicant for the loan to repay the loan from the relationship between the financial information of another applicant for the loan in the past and the loan information of the financial product. The information providing device according to any one of claims 1 to 6, which is model information for the purpose. Any of claims 1 to 7, wherein the credit model includes information generated by a Monte Carlo simulation that predicts a cash balance on a predetermined repayment date from cash balance information of another applicant for the loan in the past. The information providing device according to item 1. The credit model includes model information in which the past financial information of the other applicant who received the loan is associated with the approval / disapproval information indicating the approval / disapproval of the loan, which is the notification information from the financial product provider. The information providing device according to any one of claims 1 to 8. The credit model includes model information obtained by supervised machine learning by associating the past financial information of the other applicant who received the loan with the repayment status information of the other applicant who received the loan. , The information providing device according to any one of claims 1 to 9. A credit model generator for generating the credit model is provided.
The credit model generation unit updates the credit model based on the financial information of the applicant for the loan and / or the information on the availability of the loan and / or the repayment status of the loan. The information providing device according to any one of claims 10. The information according to any one of claims 1 to 11, wherein the application information transmitting unit transmits the attribute information and financial information of the applicant for the loan together with the application information of the applicant for the loan. Providing equipment. The loan information of the financial product is according to any one of claims 1 to 12, which includes a loan limit amount capable of receiving the loan and one or both values of the interest rate related to the loan. The information providing device described. An information providing method executed by a computer including a control unit, determining whether or not a loan can be made, and providing loan information of a financial product capable of receiving the loan. The control unit is an information providing method.
Based on the credit model for calculating the creditworthiness of the applicant for the loan based on the past financial information of the applicant for the loan, the provisional examination department performs the loan from the financial information of the applicant for the loan. The creditworthiness of the applicant to the loan is calculated, the lending limit based on the predicted value of the cash balance on the predetermined repayment date is calculated from the financial information of the applicant to the loan, and the creditworthiness of the applicant to the loan and the loan are calculated. based on the limit, and the provisional examination determining the propriety of the loan to the applicant to the loan,
When the loan to the applicant for the loan is possible by the loan information providing department, the loan information of the financial product is referred to based on the loan limit, and the loan of the financial product that can receive the loan. Loan information provision step to recommend loan information,
The application information transmitting unit accepts an application for the loan from the applicant for the loan to the financial product that can receive the loan, and makes the loan to the financial product provider that provides the financial product . The application information transmission step to send the application information of the applicant of
Notification unit performs, for the applicant's previous Kisaru write to the loan, receiving the notification information from the financial product providers, a notification step of notifying the applicant to the loan, the execution information providing method .. It is an information providing program that determines whether or not a loan is possible and provides loan information for financial products that can receive the loan.
Based on the credit model for calculating the creditworthiness of the applicant for the loan based on the financial information of the applicant for the loan in the past , the creditworthiness of the applicant for the loan from the financial information of the applicant for the loan. Is calculated, the loan limit is calculated from the financial information of the applicant for the loan based on the predicted value of the cash balance on the predetermined repayment date, and based on the creditworthiness of the applicant for the loan and the loan limit. A provisional examination step to determine whether or not the loan is available to the applicant for the loan, and
When the loan to the applicant for the loan is possible, the loan information of the financial product is referred to based on the loan limit, and the loan information of the financial product that can receive the loan is recommended. Information provision steps and
It said with respect to the financial instruments that can get a loan, accepting the application to the loan from the applicant to the loan, the applicant of the application information to the financial product provider to provide financing to the financial product The application information transmission step to be sent and
For the applicant's previous Kisaru write to the loan, the reception notification information from financial product provider, for executing a notification step of notifying the applicant to the loan, the electronic computer, information providing program ..

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