JP7220034B2 - Debt information underwriting device, debt information underwriting method and debt information underwriting program - Google Patents

Description

The present invention relates to a debt information underwriting device, a debt information underwriting method, and a debt information underwriting program.

In Patent Document 1, complex real estate, which is land, buildings, and a combination of both, has established its position as a jointly managed product that can be made smaller due to the spread of real estate securitization using special purpose companies and investment trusts. there is For example, in Patent Document 1, instead of transferring "any of the asset management products that you own" through securitization products such as real estate-backed securities and real estate investment trusts, "individual land in the area Acquisition of all properties owned by the owner" or "all properties owned by individual compartmentalized owners in the compound real estate", or transfer of "any of the asset management products that you own" Instead, by taking over the “total amount of real estate-backed securities or real estate investment trusts that are securitized products of the target real estate,” we can acquire land in the entire specific area or specific complex real estate without reducing liquidity on hand. Techniques for directly or indirectly obtaining aggregates are disclosed.

JP 2015-109112 A

However, in Patent Document 1, the target product for the exchange transaction is any one or more real estate management products of land, buildings, complex real estate, compartmentalized buildings, real estate-backed securities, and real estate investment trusts. Since the transfer does not take into consideration the ranking information, it requires human intervention, so it requires a high level of operational skill, and there is a risk of miscalculation of collateral due to transfer errors. was there.

The present invention has been made in view of the above. It is an object of the present invention to provide a debt information underwriting device, a debt information underwriting method, and a debt information underwriting program capable of underwriting information.

In order to solve the above-described problems and achieve the object, a debt information underwriting device according to the present invention comprises a storage unit and a control unit, A debt information underwriting device that allows a debtor to undertake underwriting processing of set right information, wherein the storage unit stores lending information that the creditor lends to the debtor and a real estate property associated with the lending information a right information table that stores the right information including set right information; a right information table that stores the right information and a right type indicating the type of right set to the real estate property associated with the right information; and the right information. a transaction partner-right information table that stores whether or not each right information is a right set by the obligee; property information of the real estate property of the loan transaction partner; a property detailed information table storing property detailed information, a priority information table storing the right information linked to the property detailed information, and the priority of the right information; a client information acquiring means for acquiring client information of the underwriting debtor; and a bond information extracting means for extracting the credit information to be underwritten held by the creditor with respect to the underwriting debtor; a right information transfer means for transferring the right information linked to the extracted credit information to the underwriting debtor for underwriting; so that the rights information of the underwriter becomes the rights information of the underwriter based on the property detail information transfer means that moves to the person and performs the underwriting process, and the priority of the rights information linked to the property details information By updating the trading partner-right information table, the obligation of the underwriting obligor is transferred to the underwriting obligor by the order information transfer means and the underwriting process by the right information transfer means rights information linking determination means for determining whether the rights information of the underwriting obligor to be deleted is linked to other rights information, wherein the rights information to be deleted is the rights information linking determination means. When the means determines that the rights information is associated with other rights information, the rights information transfer means leaves the rights information of the underwriting debtor even after the underwriting process, and the rights information to be deleted is the rights information. The right information moving means deletes the right information of the underwriting obligor after the underwriting process when the linking determination means determines that the right information is not linked to other right information.

Further, the debt information underwriting device according to the present invention determines whether or not the property having the property details of the underwriting debtor to be deleted by the underwriting processing by the property details information moving means is associated with other right information. Further comprising a property detailed information link determination means for judging, and when the property having the property details to be deleted is determined to be linked with other right information by the property detailed information link determination means, the property detailed information movement. The means retains the property detail information of the underwriting debtor even after the underwriting process, and determines that the property having the property details to be deleted is not linked to other right information by the property detail information linkage determination means. Then, the property detailed information moving means deletes the property detailed information of the underwriting debtor after the underwriting process.

Further, the debt information underwriting method according to the present invention includes a storage unit and a control unit, and underwrites to the underwriting debtor the right information set in the real estate property of the underwriting debtor who is the creditor's loan transaction partner. A debt information underwriting method executed by a debt information underwriting device to be processed, wherein the storage unit stores lending information for lending by the obligee to the debtor and right information set for real estate associated with the lending information. a right information table that stores the right information and a right type indicating the type of right set to the real estate property associated with the right information; and the right information that is associated with the right information. A loan transaction partner, a transaction partner-right information table that stores whether or not each right information is a right set by the creditor, property information of the real estate property of the loan transaction partner, and property detail information linked thereto and a ranking information table that stores the right information associated with the property details information and the priority of the right information, and is executed by the control unit. a client information acquisition step of acquiring client information of the underwriting obligor; a credit information extracting step of extracting credit information to be underwritten held by the creditor with respect to the underwriting debtor; a right information transfer step for transferring the right information linked to the extracted credit information to the underwriting debtor for underwriting; and a step of moving the property details information to perform underwriting processing, and moving the rights information of the underwriter to become the rights information of the underwriter based on the priority of the rights information linked to the property details information. By updating the supplier-rights information table, the order information transfer step for transferring the debt of the underwriting source obligor to the underwriting obligor for underwriting processing, and deletion by the underwriting processing of the right information transfer step a rights information linkage determination step of determining whether or not the rights information of the target underwriting debtor is linked to other rights information, wherein the rights information to be deleted is the rights information linkage determination step. is determined to be associated with other rights information, the rights information transfer step retains the rights information of the underwriting obligor even after the underwriting process, and the rights information to be deleted is associated with the rights information. characterized in that, if it is determined in the determination step that it is not linked to other rights information, in the rights information transfer step, the rights information of the underwriting obligor is deleted after the underwriting process. and

Further, the debt information underwriting program according to the present invention includes a storage unit and a control unit, and underwrites the right information set for the real estate property of the underwriting debtor who is the creditor's loan transaction partner to the underwriting debtor. A debt information underwriting program to be executed by a debt information undertaking device to be processed, wherein the storage unit stores lending information that the obligee lends to the debtor and a right set to a real estate linked thereto a right information table that stores the right information and a right type that indicates the type of right set to the real estate property associated with the right information; The loan transaction partner, a transaction partner-right information table that stores whether or not each right information is a right set by the creditor, property information of the real estate property of the loan transaction partner, and property detail information linked thereto and a ranking information table for storing the right information associated with the property detailed information and the priority of the right information. 1), a customer information acquisition step of acquiring customer information of the underwriting debtor, and a bond information extraction step of extracting the credit information to be underwritten held by the creditor with respect to the underwriting debtor a right information transfer step for transferring the right information linked to the extracted claim information to the underwriter debtor for underwriting; Based on the step of moving the property details information to the obligor for underwriting processing, and the priority order of the rights information linked to the property details information , the rights information of the underwriter becomes the rights information of the underwriter. a ranking information transfer step for transferring the debt of the underwriting source obligor to the underwriting obligor for underwriting processing by updating the trading partner -right information table; a rights information linking determination step of determining whether the rights information of the underwriting obligor to be deleted is linked to other rights information, wherein the rights information to be deleted is linked to the rights information. If it is determined in the determination step that it is associated with other rights information, in the rights information transfer step, the rights information of the underwriting obligor is left even after the underwriting process, and the rights information to be deleted is the right information. If it is determined in the information link determination step that it is not linked to other right information, in the right information transfer step, after the underwriting process, the right information of the underwriting debtor and deleting the information .

According to the present invention, when rights information set for a real estate property of a business partner is underwritten by another business partner, debt information can be automatically underwritten in consideration of the ranking of real estate collateral. It has the effect of being able to

FIG. 1 is a block diagram showing an example of the configuration of a debt information underwriting device according to this embodiment. FIG. 2 is a diagram showing an example of a relationship in which the underwriting debtor undertakes the right information set for the real estate property of the underwriting debtor who is the creditor's loan transaction partner. FIG. 3 is a diagram showing an example of a supplier information table. FIG. 4 is a diagram showing an example of a bond information table. FIG. 5 is a diagram showing an example of a right information table. FIG. 6 is a diagram showing an example of a supplier-right information table. FIG. 7 is a diagram showing an example of a property detail information table. FIG. 8 is a diagram showing an example of a ranking information table. FIG. 9 is a flowchart showing an example of processing of the debt information underwriting device according to this embodiment. FIG. 10 is a diagram showing an example of a credit transfer image. FIG. 11 is a diagram showing an example of a ledger image associated with the transfer of claims before assuming obligations according to the first embodiment. FIG. 12 is a diagram showing an example of a ledger image associated with a claim transfer after assuming an obligation in the first embodiment. FIG. 13 is a diagram showing an example of a ledger image associated with the transfer of claims before assuming obligations in the second embodiment. FIG. 14 is a diagram showing an example of a ledger image associated with a claim transfer after assuming an obligation in the second embodiment. FIG. 15 is a diagram showing an example of a ledger image associated with claim transfer before obligation assumption in the third embodiment. FIG. 16 is a diagram showing an example of a ledger image associated with a claim transfer after assuming an obligation in the third embodiment.

An embodiment of the present invention will be described in detail based on the drawings. In addition, this invention is not limited by this embodiment.

[1. overview]
Conventionally, credit information, collateral information (right information), and ranking information have been manually transferred individually, and unnecessary information has been deleted. However, the process of manually transferring a large amount of complicated information requires a high level of operational skill, and there is a risk of miscalculation of collateral due to transfer errors.

Therefore, the real estate collateral evaluation business includes a business of underwriting the right information set by the financial institution for the real estate property of the business partner to another business partner. The debt information underwriting device according to the present embodiment focuses on the information of the order of linking the bond information and collateral information (right information), and mechanically extracts the bond information and the related collateral information (right information). has made it possible to automatically underwrite debt information.

[2. composition]
An example of the configuration of the debt information underwriting device according to this embodiment will be described with reference to FIGS. 1 to 8. FIG. FIG. 1 is a block diagram showing an example of the configuration of a debt information underwriting device according to this embodiment. FIG. 2 is a diagram showing an example of a relationship in which the underwriting debtor undertakes the right information set for the real estate property of the underwriting debtor who is the creditor's loan transaction partner. FIG. 3 is a diagram showing an example of a supplier information table. FIG. 4 is a diagram showing an example of a bond information table. FIG. 5 is a diagram showing an example of a right information table. FIG. 6 is a diagram showing an example of a supplier-right information table. FIG. 7 is a diagram showing an example of a property detail information table. FIG. 8 is a diagram showing an example of a ranking information table.

The debt information underwriting device 100 is a commercially available desktop personal computer. Note that the debt information underwriting device 100 is not limited to a stationary information processing device such as a desktop personal computer, but can be a mobile device such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), smart phone, or tablet personal computer. type information processing device.

The debt information underwriting device 100 includes a control section 102 , a communication interface section 104 , a storage section 106 and an input/output interface section 108 . Each unit included in the debt information underwriting device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicably connects the debt information underwriting device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with another device via a communication line. Here, the network 300 has a function of connecting the debt information underwriting apparatus 100 and the server 200 so as to be able to communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for performing various processes by giving commands to a CPU (Central Processing Unit) in cooperation with an OS (Operating System). As the storage unit 106, for example, memory devices such as RAM (Random Access Memory) and ROM (Read Only Memory), fixed disk devices such as hard disks, flexible disks, and optical disks can be used. Here, the storage unit 106 includes a supplier information table 106a, a bond information table 106b, a right information table 106c, a supplier-right information table 106d, a property detail information table 106e, a ranking information table 106f, and the like.

The client information table 106a is a table that stores client information of a debtor who has a business relationship with a creditor. For example, as shown in FIGS. 2 and 3, the customer information table 106a contains customer A (obligator who underwrites) and customer B (obligor who underwrites) as customers of financial institutions who are creditors. (customers) are registered.

The bond information table 106b is a table that stores bond information including loan information that a creditor lends to a debtor and right information set for a real estate linked to this. For example, as shown in FIG. 4, the bond information table 106b contains "loan number" and "loan number" as loan information for lending to "customer" "A" and "B" by the financial institution which is the creditor. A001" and "A002", their "balances", and "right numbers" such as "11111" and "55555" as the right information set for real estate properties linked to them are registered.

The right information table 106c is a table that stores the right information set to the real estate property and the right type indicating the type of right set to the real estate property linked thereto. For example, as shown in FIG. 5, the rights information table 106c contains "rights number" "11111" to "66666" as rights information and "mortgage ” and “Revolving Mortgage” are registered.

The client-right information table 106d is a table that stores loan clients linked to right information and whether or not each piece of right information is a right set by a creditor. For example, as shown in FIG. 6, in the client-right information table 106d, "clients" "A" and "B" linked to "right numbers" "11111" to "66666" as right information, A "present flag" indicating whether or not each "right number" is a right set by the creditor financial institution is registered. Specifically, the "subject flag" is "true" for rights set by the financial institution, and the "subject flag" is "false" for rights set by other financial institutions.

The property detail information table 106e is a table that stores property information of a real estate property of a loan transaction partner and property detail information linked thereto. For example, in the property detail information table 106e, as shown in FIG. 7, "property numbers" "1" to "4" as property information of real estate properties and property sales conditions linked to the "property numbers" are stored. A “property detail number” as property detail information to be clarified, and a “customer” “A” or “B” associated with it are registered.

The ranking information table 106f is a table that stores rights information linked to property detail information and priority of the rights information. For example, as shown in FIG. 8, the ranking information table 106f contains "property detail numbers" "1" to "8" as property detail information and "rights Numbers "11111" to "66666" and priority "order" "1" to "3" of each "right number" are registered.

An input device 112 and an output device 114 are connected to the input/output interface section 108 . The output device 114 can be a monitor (including a home television), a speaker, or a printer. The input device 112 can be a keyboard, a mouse, a microphone, or a monitor that cooperates with the mouse to provide a pointing device function. Note that, hereinafter, the output device 114 may be referred to as the monitor 114 and the input device 112 may be referred to as the keyboard 112 or the mouse 112 .

The control unit 102 is a CPU or the like that comprehensively controls the debt information underwriting device 100 . The control unit 102 has an internal memory for storing a control program such as an OS, a program defining various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Execute. Here, the control unit 102 functionally and conceptually includes a supplier information acquisition unit 102a as supplier information acquisition means, a bond information extraction unit 102b as bond information extraction means, and a rights information transfer unit 102c as rights information transfer means. , a property detailed information moving unit 102d as a property detailed information moving means, a ranking information moving unit 102e as a ranking information moving means, a right information linking determination unit 102f as a right information linking determining means, a property as a property detailed information linking determining means It includes a detailed information link determination unit 102g and the like.

The client information acquisition unit 102a acquires client information of a debtor who has a business relationship with a creditor. For example, as the customer information acquired by the customer information acquisition unit 102a, as shown in FIG. 2 or FIG. ”, “customer name” becomes “customer name 1”. In addition, the underwriter obligor 600 who undertakes the right information set for the real estate property with the “transaction partner” “A” has a “transaction partner” of “B” and a “transaction partner name” of “transaction partner name 2”. becomes. In this embodiment, when the “client” “B” assumes the debt owed by the “client” “A” to the obligee 400, the client information acquisition unit 102a acquires the client information table 106a. is referred to acquire the client information of the underwriting debtor (that is, "client name" and "client name 2" of "client" "B"). If the supplier information of the underwriter is not in the supplier information table 106a, the supplier information acquisition unit 102a newly creates the supplier information of the underwriter and acquires it.

The bond information extraction unit 102b extracts the bond information to be underwritten that the obligee has for the underwriting obligor. For example, as shown in the bond information table 106b in FIG. 4, the bond information extracting unit 102b causes the “client” “B” to assume the debt owed by the “client” “A” to the creditor. In this case, the bond information for which the underwriting process is to be performed is extracted from the bond information for the underwriting source “customer” “A”. Specifically, "client" "A", "loan number" "A001", "balance" "100,000,000", and "rights number" "11111" are extracted.

The right information transfer unit 102c transfers the right information linked to the bond information extracted by the bond information extraction unit 102b to the underwriting obligor, and causes the underwriting process. For example, as shown in the supplier-right information table 106d of FIG. "A" and the "present flag" "true" are moved to the underwriting obligor 600 (transaction partner B) to be underwritten.

The property detailed information transfer unit 102d transfers the property detailed information of the real estate property for which the right information is set to the debtor of the underwriting destination, and causes the underwriting process. For example, as shown in the property detail information table 106e of FIG. "1" and "property detail number" "1" and "2" as the property detail information are transferred to the underwriting obligor 600 (customer B) for underwriting processing.

The order information moving unit 102e moves to the underwriting obligor based on the priority of the right information linked to the property detail information and causes the underwriting process. For example, as shown in the ranking information table 106f of FIG. 8, the ranking information moving unit 102e uses "property detail number" "1" and "2" as property detail information and "right Since the "order" of the number "11111" is "1", based on this, it is moved to the underwriting obligor 600 (customer B) for underwriting processing.

The rights information link determination unit 102f determines whether or not the rights information of the underwriting obligor 500 to be deleted by the underwriting process by the rights information moving unit 102c is linked to other rights information. For example, as shown in FIGS. 5, 6, and 8, the right information linking determination unit 102f determines the right set to the real estate property of the underwriting source debtor 500 to be deleted by the underwriting process, is associated with the set rights information. In other words, if another obligee has set rights to a real estate object to be deleted by the underwriting process, the real estate object cannot be transferred to the underwriter obligor 600 without permission and deleted. Therefore, it is necessary to leave the right information set for the real estate property to the underwriting debtor 500 to the extent that it is associated with other right information.

The property detailed information link determination unit 102g determines whether or not the property having the property details of the underwriting debtor 500 to be deleted by the underwriting process by the property detailed information transfer unit 102d is linked to other right information. For example, as shown in FIGS. 5, 6, and 8, the property detailed information link determination unit 102g determines that the property having the “property detailed number” of the underwriting debtor 500 to be deleted by the underwriting process It is determined whether or not it is associated with the right information set by the obligee. In other words, if another obligee has set rights to the property detail information to be deleted by the underwriting process, the property detail information can be transferred to the underwriter obligor 600 without permission and deleted. Can not. Therefore, it is necessary to leave the property detail information set for the real estate property in the underwriting debtor 500 to the extent that it is associated with other right information.

[3. Concrete example]
As for a specific example of the present embodiment, an example of processing of the debt information underwriting device 100 according to the present embodiment will be specifically described with reference to FIGS. 9 to 16. FIG. FIG. 9 is a flowchart showing an example of processing of the debt information underwriting device according to this embodiment. FIG. 10 is a diagram showing an example of a credit transfer image. FIG. 11 is a diagram showing an example of a ledger image associated with the transfer of claims before assuming obligations according to the first embodiment. FIG. 12 is a diagram showing an example of a ledger image associated with a claim transfer after assuming an obligation in the first embodiment. FIG. 13 is a diagram showing an example of a ledger image associated with the transfer of claims before assuming obligations in the second embodiment. FIG. 14 is a diagram showing an example of a ledger image associated with a claim transfer after assuming an obligation in the second embodiment. FIG. 15 is a diagram showing an example of a ledger image associated with claim transfer before obligation assumption in the third embodiment. FIG. 16 is a diagram showing an example of a ledger image associated with a claim transfer after assuming an obligation in the third embodiment.

The debt information underwriting device 100 according to the present embodiment is used when a financial institution such as a bank conducts a real estate collateral evaluation business. This is a system that automatically performs the underwriting process of revolving mortgages, etc.) to other business partners.

The debt information underwriting device 100 according to the present embodiment shown in FIG. When the right information (mortgage, revolving mortgage, etc.) is set for the real estate property owned by 500, it is possible to automatically perform the work of underwriting the right information by the underwriting obligor (customer B) 600. can.

In the storage unit 106 of the debt information underwriting device 100, as shown in FIG. A table 106a, a bond information table 106b, a right information table 106c, a supplier-right information table 106d, a property detail information table 106e, and a ranking information table 106f are stored. Examples of information stored in each table are shown in FIGS. 3 to 8. FIG. The debt information underwriting device 100 according to the present embodiment uses these pieces of information to cause the underwriting debtor to automatically undertake the rights information set in the real estate property of the underwriting debtor 500 .

[Outline of processing operation]
Here, an overview of the processing operation of the debt information underwriting device 100 will be briefly described using the flowchart of FIG. First, the client information acquisition unit 102a of the debt information underwriting device 100 refers to the client information table 106a of FIG. B" and its "customer name" and "customer name 2" are acquired (step S1).

At this time, if there is no underwriter information in the supplier information table 106a of FIG. 3 (No in step S1), new supplier information is created and acquired (step S2).

In this way, after acquiring the customer information of the underwriting party (Yes in step S1), the bond information extraction unit 102b extracts the bond information of the underwriting debtor 500, namely, “customer” “B” and its “ Extract the loan number "A001", the "balance" "100,000,000", and the "right number" "11111" set for the real estate associated with this from the bond information table 106b in FIG. (Step S3).

Then, the right information moving unit 102c moves the right information linked to the extracted bond information to the underwriting obligor 600 to newly create the customer-right information, and the customer-right information table of FIG. 106d (step S4). In other words, the right information transfer unit 102c moves the right information (“right number” “11111”) linked to the underwriter’s bond information to the underwriter obligor (client B) 600, and transfers the client-right information. Create new.

Furthermore, the property detailed information moving unit 102d moves the property detailed information in which the rights information transferred to the underwriter is set to the underwriter obligor 600 and newly creates the property detailed information table 106e of FIG. Update (step S5). In other words, the property detailed information moving unit 102d moves the property detailed information ("property number" "1", "property detailed number" "1" and "2", "customer "A") is transferred to the underwriting obligor (customer B) 600 to newly create property detail information.

In this way, when the debt information underwriting device 100 performs the underwriting process of transferring the right information and the property detail information from the underwriting debtor 500 to the underwriting debtor 600, the right information in the underwriting party is It is subject to deletion and will be deleted, but if other rights information is set and linked to the real estate property (Yes in step S6), the rights information of the underwriter cannot be deleted without permission. . Therefore, the ranking information moving unit 102e accepts the "right number" "11111" linked to the "property detail number" "1" and "2" of the ranking information table 106f based on the "ranking" "1". The client-right information table 106d is updated by leaving the right information of the surviving underwriter that has been moved to the previous obligor 600 and linked to other right information (step S7). The determination of whether or not the rights information of the underwriter is linked to other rights information is made by the rights information link determination unit 102f.

In addition, if the right information to be deleted is not linked to other right information in step S6 (No in step S6), the credit information of the underwriter is deleted without considering the "order", The right information table 106d is updated (step S8).

Furthermore, if the property having the property details to be deleted is associated with other right information (Yes in step S9), the property details information of the underwriter cannot be deleted without permission. Therefore, the ranking information moving unit 102e accepts the "right number" "11111" linked to the "property detail number" "1" and "2" of the ranking information table 106f based on the "ranking" "1". The property detail information table 106e is updated by leaving the property detail information of the underwriter that survived because it was moved to the former debtor 600 and linked with other right information (step S10). The property detailed information link determination unit 102g determines whether or not the property detailed information of the underwriting source is linked to other right information.

In addition, if the property detail information to be deleted is not linked to other right information in step S9 (No in step S9), the property detail information of the underwriter is deleted without considering the “order”, and the property The detail information table 106e is updated (step S11).

As described above, the debt information underwriting device 100 according to the present embodiment automatically performs underwriting processing of the right information set by the obligee for the real estate property of the loan transaction partner to another transaction partner in the real estate collateral evaluation business. be able to. In the following Examples 1 to 3, when underwriting rights information from an underwriting obligor to an underwriting obligor, credit information to be transferred, collateral information (right information), and ranking information will be described using an example in which the conditions are different from each other.

[Example 1]
The debt information underwriting device 100 according to the present embodiment is provided on the side of a creditor such as a financial institution. By referring to the table 106a, "customer""B","customername" and "customer name 2", which are the customer information of the underwriter, are obtained (step S1).

Subsequently, the operator extracts the bond information of the underwriting source with the bond information extraction unit 102b. Here, as the credit information of the underwriter, the credit information table 106b of FIG. , “right number” “11111” (step S3), moves the right information linked to the bond information to the underwriter (client B) (step S4), and updates the client-right information table 106d. For example, when moving the “loan number” “A001” of the underwriter (customer A) as credit information to the underwriter (customer B), as shown in FIG. The "loan number" "A001" is moved to client B after underwriting, and the "loan number" of the underwritten claim is also changed to "A003". Then, the right information set for the real estate property linked to this bond information is also transferred to the client B after underwriting.

FIGS. 11 and 12 show the ledger images of the first embodiment accompanying the transfer of the credit information before and after the assumption of the obligation. As shown in FIG. 11, the “loan number” “A001” that existed in supplier A before the obligation assumption was changed to “A003” as shown in FIG. 12 after the obligation assumption. to move to client B. Then, "mortgage*right A" in the right information linked to the transferred bond information is transferred to the client B as shown in FIG. 12 after the obligation is assumed. 11 to 16, "Right A", "Right C", "Right E", and "Right F" with "*" in the figures are "Right B" and "Right D" without "*" mean that rights other than the obligee 400 have set.

Furthermore, the property detail information in which the right information is set is also transferred to the underwriter (step S5). In other words, before assuming the obligation, as shown in Figure 11, "property (1)" of the "property number" and "details 1" and "details 2" of the "property detail number", after assuming the debt, As shown in FIG. 12, it is moved to client B as it is.

In the first embodiment, as shown in FIG. 11, the "right A" of the mortgage set for the "property (1)" of the customer A is set as the "right B" and the "right C". Since the properties are different and the order settings do not overlap (No in step S6), the property is deleted from the ledger of client A as shown in FIG. 12 (step S8).

In addition, in the first embodiment, since the property having the property details to be deleted is not associated with other right information (No in step S9), the property details information is deleted from the ledger of the underwriter A. (Step S11).

[Example 2]
Next, FIG. 13 shows the image of the ledger before assuming the obligation in Example 2, and FIG. 14 shows the image of the ledger after assuming the obligation. As shown in Fig. 13, the "loan number""A001" that existed in client A before assuming the obligation was changed to "A003" as shown in Fig. 14 after assuming the obligation. After assuming the obligation, as shown in FIG. are the same.

Then, in step S5, when the property detail information in which the right information is set is transferred to the underwriter, as shown in FIG. Detail number "Detail 1", "Detail 2", "Property number" "Property (2)", and its "Property detail number" "Detail 3" and "Detail 4" As shown in 14, it is moved to customer B as it is.

In the second embodiment, as shown in FIG. 13, the "right A" of the mortgage set for the "property (1)" of the customer A is set as the "right B" and the "right C". Although the properties are different and the order settings do not overlap, "Right A", "Right B", and "Right C" set in "Property (2)" shown in FIG. 13 maintain the order ( If yes at step S6), after assuming the obligation, the surviving underwriter's right information "mortgage right A" remains in the ledger of customer A as shown in FIG. 14 (step S7). In the ledger of client A, the right information "mortgage * right A" set by obligee 400 (see FIG. 2) has been transferred to client B due to the assumption of the obligation, so "*" disappears.

In addition, in Example 2, since "property (1)" having property details to be deleted is not associated with other right information (No in step S9), The property detail information is deleted (step S11). Since it is held (Yes in step S9), as shown in FIG. It remains in the ledger of supplier A (step S10).

In addition, in Example 2, since the "root * right C" set in the "property (2)" is also a right set by the obligee 400, the "loan number" "A001" is assumed by the customer B. By doing so, it is possible to automatically delete "right C" set in "property (2)", but here we have intentionally added control not to delete it, and the final decision will be made by the user. This gives room for determining whether or not to delete "Right C". At this time, the user may be notified of whether to delete or leave "Right C" before and after the obligation is assumed.

[Example 3]
Next, FIG. 15 shows a ledger image before assuming obligations in Example 3, and FIG. 16 shows a ledger image after assuming obligations. As shown in FIG. 15, the “loan number” “A001” that existed in client A before the obligation assumption was changed to “A003” as shown in FIG. 16 after the obligation assumption. After assuming the obligation, the right information "mortgage * right A" linked to the transferred bond information is transferred to the client B. In Example 3, "Right A" does not overlap with "Right B" and "Right C", but when viewed in units of properties, "Right A" is placed against "Property (1)". , and "Right B" are also ranked, and "Right A", "Right B", and "Right C" are also ranked for "Property (2)". Therefore, after assuming the obligation, "Right A", "Right B", and "Right C" are transferred to client B as they are, as shown in FIG.

Then, in step S5, when the property detail information in which the right information is set is transferred to the underwriter, as shown in FIG. After assuming the obligation, the item number "detail 1", the "item number" "detail (2)", and its "detail item number" "detail 3" will be sent to the customer B as it is, as shown in FIG. (Yes in step S6). In addition, in the same way as with the movement of right information described above, in the case of the property details information as well, the order of “right A” and “right B” is set for “property (1)”, and “property ( 2)”, “Right A”, “Right B”, and “Right C” are prioritized, so the property details information related to “Right A”, “Right B”, and “Right C” can be traded as they are. Move to destination B (Yes in step S9).

In Example 3, as shown in FIG. 15, "deposit * right A" of "first order" is set to "details 1" of "property (1)", and "details 2" of "property (1)" is set. ” is set to “first priority” “mortgage right B”. In addition, "details 3" of "property (2)" is set to "mortgage * right A" of "first priority", and "details 4" of "property (2)" is set to be "first priority". “Pledge B” is set. In addition, “Description 3” of “Property (2)” is set to “Root * Right C” of “Second Priority”, and “Description 4” of “Property (2)” is set to be “Second Priority”. "Purchase*Right C" is set. In this way, even if counterparty B assumes obligations for "Right A" set for "Property (1)" and "Property (2)" of counterparty A, "Property (1)" "Property (2)" is associated with other right information and property detail information, and is ranked. For this reason, even after assuming obligations in FIG. It is displayed on both the ledger of A and the ledger of customer B (steps S7 and S10).

In the third embodiment, since the "root * right C" set in the "property (2)" is also a right set by the obligee 400, the customer B assumes the obligation of the "loan number" "A001". By doing so, it is possible to automatically delete "right C" set in "property (2)", but here we have intentionally added control not to delete it, and the final decision will be made by the user. This gives room for determining whether or not to delete "Right C". At this time, the user may be notified of whether to delete or leave "Right C" before and after the obligation is assumed. Similarly, the user may be notified of the handling of "property (1)".

As described above, the debt information underwriting device 100 according to the present embodiment automatically takes into consideration the order of the real estate property when allowing another business partner to undertake the right information set for the real estate property of the business partner. Since the underwriting process of the debt information can be performed, it is possible to perform the underwriting process even if the operation proficiency level is not high.

In particular, the debt information underwriting device 100 according to the present embodiment focuses on the ranking information that links the bond information and the right information, mechanically extracts the bond information and the related right information, and based on the ranking information If it is associated with the right information, it is left in the underwriter without being deleted, and by transferring it to the underwriter, the ranking information is reliably held, thereby preventing miscalculation of the collateral.

Further, when the obligation information underwriting device 100 according to the present embodiment sets rights with different priorities for the same real estate property, if obligation assumption is performed for right information with priority, It is also possible to control so as to automatically delete the rights information of the other. Conversely, even if the obligation is assumed for the priority information, the user can make a final decision as to whether or not to delete it by leaving the priority information. It is also possible to control to entrust

[4. Other embodiments]
The present invention may be implemented in various different embodiments other than the embodiments described above within the scope of the technical idea described in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed can be manually performed, or all of the processes described as being manually performed Alternatively, some can be done automatically by known methods.

In addition, unless otherwise specified, the processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings can be changed arbitrarily.

Also, with respect to the debt information underwriting apparatus 100, each illustrated component is functionally conceptual, and does not necessarily need to be physically configured as illustrated.

For example, the processing functions of the debt information underwriting device 100, particularly the processing functions performed by the control unit 102, are implemented in whole or in part by a CPU and a program interpreted and executed by the CPU. Alternatively, it may be implemented as hardware using wired logic. The program is recorded on a non-temporary computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processing described in this embodiment, and if necessary, the debt information underwriting It is read mechanically by the device 100 . That is, a storage unit such as a ROM or HDD (Hard Disk Drive) stores a computer program for giving commands to the CPU in cooperation with the OS to perform various processes. This computer program is executed by being loaded into the RAM, and constitutes the control section 102 in cooperation with the CPU.

In addition, this computer program may be stored in an application program server connected to the debt information underwriting apparatus 100 via any network, and it is possible to download all or part of it as necessary. is.

Also, the program for executing the processing described in this embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the term "recording medium" refers to memory cards, USB (Universal Serial Bus) memories, SD (Secure Digital) cards, flexible disks, magneto-optical disks, ROMs, EPROMs (Erasable Programmable Read Only Memory), EEPROMs (registered (trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), DVD (Digital Versatile Disk), and Disc (registered trademark) such as Blu- shall include any "portable physical medium".

A "program" is a data processing method written in any language or writing method, regardless of the format such as source code or binary code. In addition, the "program" is not necessarily limited to a single configuration, but is distributed as multiple modules or libraries, or cooperates with a separate program represented by the OS to achieve its function. Including things. It should be noted that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium in each device shown in the embodiments, the installation procedure after reading, and the like.

The various databases and the like stored in the storage unit 106 are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and are used for various processes and website provision. programs, tables, databases, and files for web pages.

Further, the debt information underwriting device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. Further, the debt information underwriting device 100 may be realized by installing software (including programs, data, etc.) for realizing the processing described in the present embodiment in the information processing device.

Furthermore, the specific form of distribution and integration of the device is not limited to the one shown in the figure, and all or part of it can be functionally or physically arranged in arbitrary units according to various additions or functional additions. It can be distributed and integrated. In other words, the embodiments described above may be arbitrarily combined and implemented, or the embodiments may be implemented selectively.

INDUSTRIAL APPLICABILITY The present invention is applicable in the financial industry that conducts real estate collateral evaluation business, and is particularly useful as a mechanism for performing underwriting processing based on real estate collateral ranking information.

100 debt information underwriting device 102 control unit 102a customer information acquisition unit 102b bond information extraction unit 102c right information transfer unit 102d property detailed information transfer unit 102e rank information transfer unit 102f right information link determination unit 102g property detailed information link determination unit 104 communication Interface unit 106 Storage unit 106a Client information table 106b Credit information table 106c Right information table 106d Client-right information table 106e Property detail information table 106f Rank information table 108 Input/output interface unit 112 Input device (keyboard)
114 output device (monitor)
200 Server 300 Network

Claims (4)

A debt information underwriting device comprising a storage unit and a control unit, and causing the underwriting debtor to undertake processing of right information set in a real estate property of the underwriting debtor who is the lending partner of the obligee,
The storage unit contains
a credit information table for storing credit information including lending information that the creditor lends to the debtor and right information set for the real estate linked to the credit information;
a right information table that stores the right information and a right type indicating the type of right set to the real estate property associated with the right information;
a trading partner-right information table that stores information on whether or not each piece of right information is a right set by the obligee;
a property detail information table that stores property information of the real estate property of the loan transaction partner and property detail information linked thereto;
a ranking information table that stores the right information associated with the property detail information and the priority of the right information;
is stored and
The control unit
client information acquisition means for acquiring client information of the underwriter debtor;
a bond information extracting means for extracting the bond information to be underwritten held by the obligee with respect to the underwriting debtor;
a right information transfer means for transferring the right information linked to the extracted claim information to the underwriting obligor and causing the underwriting process;
property detail information transfer means for transferring the property detail information of the real estate property in which the right information is set to the debtor of the underwriting destination and causing the underwriting process;
By updating the trading partner-right information table so that the right information of the underwriter becomes the right information of the underwriter based on the priority of the right information linked to the property detail information, the underwriting a ranking information transfer means for transferring the original debtor's debt to the underwriting destination debtor for underwriting;
a right information link determination means for determining whether or not the rights information of the underwriting debtor to be deleted by the underwriting process by the rights information transfer means is linked to other rights information;
When the rights information to be deleted is determined to be linked with other rights information by the rights information linkage determining means, the rights information transfer means transfers the rights information of the underwriting obligor even after the underwriting process. When it is determined that the rights information to be deleted is not linked to other rights information by the rights information linkage determination means, the rights information transfer means transfers the rights of the underwriting obligor after the underwriting process. delete information;
A debt information underwriting device characterized by: Further comprising a property detailed information link determination means for determining whether or not the property having the property details of the underwriting debtor to be deleted by the underwriting process by the property detailed information moving means is linked to other right information,
When the property having the property details to be deleted is determined to be linked with other right information by the property details information linking determination means, the property details information moving means continues the obligation of the underwriter even after the underwriting process. When it is determined by the property detailed information link determination means that the property having the property details to be deleted is not linked to other right information, the property detailed information transfer means Deleting the property details information of the underwriting debtor after the underwriting process;
The debt information undertaking device according to claim 1, characterized by: Debt information executed by a debt information underwriting device comprising a storage unit and a control unit and causing the underwriting debtor to undertake the right information set in the real estate property of the underwriting debtor who is the lending partner of the obligee. An underwriting method comprising:
The storage unit contains
a credit information table for storing credit information including lending information that the creditor lends to the debtor and right information set for the real estate linked to the credit information;
a right information table that stores the right information and a right type indicating the type of right set to the real estate property associated with the right information;
a trading partner-right information table that stores information on whether or not each piece of right information is a right set by the obligee;
a property detail information table that stores property information of the real estate property of the loan transaction partner and property detail information linked thereto;
a ranking information table that stores the right information associated with the property detail information and the priority of the right information;
is stored and
executed by the control unit;
a customer information acquisition step of acquiring customer information of the underwriter debtor;
a bond information extracting step of extracting the bond information to be underwritten held by the obligee with respect to the underwriting debtor;
a right information transfer step of transferring the right information associated with the extracted claim information to the underwriting obligor and causing the underwriting process;
a property detailed information transfer step for transferring the property detailed information of the real estate property in which the right information is set to the debtor of the underwriting destination for underwriting;
By updating the trading partner-right information table so that the right information of the underwriter becomes the right information of the underwriter based on the priority of the right information linked to the property detail information, the underwriting a ranking information transfer step for transferring the original debtor's debt to the underwriting debtor for underwriting;
a right information linkage determination step of determining whether or not the rights information of the underwriting debtor to be deleted by the underwriting process of the rights information transfer step is linked to other rights information;
When it is determined that the rights information to be deleted is linked to other rights information in the rights information linkage determination step, the rights information of the underwriting obligor is transferred in the rights information transfer step even after the underwriting process. If it is determined that the rights information to be deleted is not linked to other rights information in the rights information linkage determination step, the rights information of the underwriting obligor is transferred after the underwriting process in the rights information transfer step. delete information;
A debt information underwriting method characterized by: Debt for executing a debt information underwriting device that has a storage unit and a control unit and causes the underwriting debtor to perform underwriting processing of right information set in the real estate property of the underwriting debtor who is the lending partner of the obligee. An information underwriting program,
The storage unit contains
a credit information table for storing credit information including lending information that the creditor lends to the debtor and right information set for the real estate linked to the credit information;
a right information table that stores the right information and a right type indicating the type of right set to the real estate property associated with the right information;
a trading partner-right information table that stores information on whether or not each piece of right information is a right set by the obligee;
a property detail information table that stores property information of the real estate property of the loan transaction partner and property detail information linked thereto;
a ranking information table that stores the right information associated with the property detail information and the priority of the right information;
is stored and
for execution by the control unit,
a customer information acquisition step of acquiring customer information of the underwriter debtor;
a bond information extracting step of extracting the bond information to be underwritten held by the obligee with respect to the underwriting debtor;
a right information transfer step of transferring the right information associated with the extracted claim information to the underwriting obligor and causing the underwriting process;
a property detailed information transfer step for transferring the property detailed information of the real estate property in which the right information is set to the debtor of the underwriting destination for underwriting;
By updating the trading partner-right information table so that the right information of the underwriter becomes the right information of the underwriter based on the priority of the right information linked to the property detail information, the underwriting a ranking information transfer step for transferring the original debtor's debt to the underwriting debtor for underwriting;
a right information linkage determination step of determining whether or not the rights information of the underwriting debtor to be deleted by the underwriting process of the rights information transfer step is linked to other rights information;
When it is determined that the rights information to be deleted is linked to other rights information in the rights information linkage determination step, the rights information of the underwriting obligor is transferred in the rights information transfer step even after the underwriting process. If it is determined that the rights information to be deleted is not linked to other rights information in the rights information linkage determination step, the rights information of the underwriting obligor is transferred after the underwriting process in the rights information transfer step. delete information;
A debt information underwriting program characterized by:

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