JP7227725B2 - Claims management device, claims management method, and claims management program - Google Patents

Description

The present invention relates to a bond management device, a bond management method, and a bond management program.

In calculating the general allowance for bad debts, financial institutions calculate the loan loss rate by borrower classification (normal borrowers, other borrowers requiring caution, borrowers requiring attention) and the total credit balance for each category. Conventionally, for example, Patent Literature 1 is known as an asset assessment system that assesses the credit risk of a claim. In the system of Patent Document 1, a basic data acquisition unit that acquires basic data that is the basis for asset assessment including self-assessment work such as classification of debtors and classification of claims according to credit risk, and a basic data acquisition unit that specifies debtors An occasional form issuing control unit is provided for automatically or manually controlling the issuing of an asset assessment work at an appropriate timing according to an operator's instruction. The asset assessment system further includes basic data, input data input according to the knowledge of the worker, and derived data derived from the basic data and the input data when the asset assessment work is submitted. An occasional assessment support department that supports the creation of assessment data at any time on the date related to the issue of the relevant invoice, and a new basic data on the day related to the end of the term, based on the basic data and the most recent assessment data. and a term-end related date processing unit that controls filing of asset assessment work or partial update of latest assessment data for each debtor.

JP-A-2003-248754

However, in the prior art, the bad debt risk can only be analyzed by obligor category.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a credit management device, a credit management method, and a credit management program capable of multifaceted analysis of bad debt risk.

In order to solve the above-described problems and achieve the object, the present invention is a claim management device comprising a control unit and a storage unit, wherein the storage unit stores an account number, beginning balance, and damage amount for each claim. , and credit attribute data, and current balance detail storage for storing current balance details including debtor classification, account number, credit balance, and credit attribute data for each credit. wherein the control unit comprises bad debt performance calculation means for calculating a bad debt performance rate for each debtor category and credit attribute based on the credit details and the current balance details. do.

Further, according to a preferred aspect of the present invention, the bad debt record calculation means may calculate the bad debt record rate for each credit attribute based on the credit details and the current balance details.

Further, according to a preferred aspect of the present invention, the credit attribute may be at least one of product, use of funds, occupation, and lending conditions.

Further, in order to solve the above-described problems and achieve the object, the present invention provides a bond management method executed by an information processing apparatus having a control unit and a storage unit, wherein the storage unit stores , account number, beginning balance, amount of damage, and credit attribute data; current balance details storage means for storing balance details, and calculating a bad debt performance rate for each debtor category and each credit attribute based on the credit details and the current balance details, which is executed by the control unit It is characterized by including a bad debt performance calculation step.

Further, in order to solve the above-described problems and achieve the object, the present invention provides a credit management program to be executed by an information processing apparatus having a control unit and a storage unit, wherein the storage unit stores a credit statement storage means for storing credit statement data including account number, beginning balance, amount of damage, and credit attribute data; current balance details storage means for storing current balance details, wherein the control unit calculates a bad debt performance rate for each debtor category and each credit attribute based on the credit details and the current balance details. It is characterized by being a credit management program for executing a performance calculation step.

ADVANTAGE OF THE INVENTION According to this invention, there exists an effect that it becomes possible to analyze a bad debt risk from many aspects.

FIG. 1 is an explanatory diagram for explaining the outline of this embodiment. FIG. 2 is a block diagram showing an example of the configuration of the credit management device according to this embodiment. FIG. 3 is a diagram for explaining the calculation of the bad debt performance rate when the credit attribute=merchandise. FIG. 4 is a diagram for explaining the calculation of the bad debt record rate when the credit attribute=use of funds. FIG. 5 is a diagram for explaining the calculation of the bad debt record rate when the credit attribute=type of job.

Embodiments of a claim management device, a claim management method, and a claim management program according to the present invention will be described in detail below with reference to the drawings. In addition, this invention is not limited by this embodiment.

[1. overview]
An outline of the present embodiment will be described with reference to FIG. FIG. 1 is a diagram for explaining the outline of this embodiment.

In calculating the general allowance for bad debts, financial institutions calculate the loan loss rate by borrower classification (normal borrowers, other borrowers requiring caution, borrowers requiring attention) and the total credit balance for each category. Specifically, based on the financial inspection manual, the default rate was calculated for each obligor category. In recent years, however, financial institutions have continued to take a proactive approach to strengthening regional industrial power and regional revitalization. There is a possibility that new risks and costs that have not been reflected in the past results may be included in the credit portfolio due to the restructuring and other factors. In light of these points, it is important to appropriately factor in the possible impact of changes in current portfolio characteristics and risk-taking attitudes on future risks and costs when calculating allowances for doubtful accounts.

Therefore, in the present embodiment, as one of the methods for calculating allowances, the bad debt performance rate and allowances are calculated for each group by adding credit attributes (credit classification) to the obligor classification. .

FIG. 1 is a diagram for explaining a normal (based on the financial inspection manual) calculation method of allowance for bad debts. In FIG. 1, FIG. 1(A) shows customer information. The customer information includes the beginning debtor category, branch number (loan branch number), customer number, and the like.

FIG. 1(B) shows the credit statement. The receivable details include item (loan item number: e.g. 50: loan on deed, 60: card loan by purpose), account number (loan account number), beginning balance (receivable balance at beginning of period), and amount of damage.

FIG. 1(C) shows the current balance details. The current balance statement includes the debtor category, account number (loan account number), and credit balance. Based on the receivable details and current balance details, as shown in FIG. In FIG. 1(D), the beginning balance, the amount of damage, the bad debt performance rate, the current balance, and the allowance for each debtor category are calculated. In FIG. 1(D), the actual bad debt rate is calculated by the formula: (damage amount/beginning balance)×100. The allowance is calculated as follows: allowance = current balance x actual bad debt rate / 100. The current balance is calculated by aggregating the total credit balance managed separately from the credit statement for each obligor classification.

In the example shown in FIG. 1(D), the default rate is 0.75 for the debtor classification "normal borrower", the default rate is "7.41" for the borrower classification The bad debt performance rate of “requiring attention” is “11.82”.

With the conventional calculation of the bad debt performance rate, it is possible to confirm that the bad debt performance rate of the borrowers requiring management is high, but it is difficult to take countermeasures because the inherent risks are not visible.

Therefore, in the present embodiment, by adding credit attributes (e.g., product, use of funds, job category, lending conditions, etc.) to the existing concept of each obligor classification, and adopting a way of thinking that takes account of credit attributes, By calculating grouped (subdivided) allowances, future risks and costs can be addressed. In addition to calculation of reserves, it is also possible to plan for the future from a different perspective by aggregating by attribute of receivables and calculating actual bad debt rates (development of product-specific strategies, etc.).

Specific configurations and operations will be described below.

[2. composition]
The configuration of the claim management device 100 according to this embodiment will be described with reference to FIG. FIG. 2 is a block diagram showing an example of the configuration of the claim management device 100. As shown in FIG.

The bond management device 100 is a commercially available desktop personal computer. Note that the credit management apparatus 100 is not limited to a stationary information processing apparatus such as a desktop personal computer, and may be a portable type such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), a smart phone, or a tablet personal computer. It may be an information processing device.

As shown in FIG. 2, the credit management apparatus 100 includes a control section 102, a communication interface section 104, a storage section 106, and an input/output interface section . Each unit provided in the credit management apparatus 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicably connects the bond management apparatus 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 bond management 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). Note that data stored in the storage unit 106 to be described later may be stored in the server 200 .

An input device 112 and an output device 114 are connected to the input/output interface unit 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 realizes a pointing device function in cooperation with a mouse. In the following description, 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 . In addition, a user's display on the monitor 114 and operation with the input device 112 may be described as "user operation via UI".

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.

The storage unit 106 includes a customer information file 106a, a credit statement file 106b, and a current balance statement file 106c.

The customer information file 106a is a file for storing customer information. The customer information may include data such as the classification of the beginning debtor (normal borrower, other caution borrowers, and attention required borrowers), branch number (loan branch number), and customer number (see FIG. 3(A)).

The credit statement file 106b is a file for storing the credit statement. Debt details include items (loan item number: e.g. 50: loan on deed, 60: card loan by purpose), account number (loan account number), beginning balance (balance of receivables at the beginning of the period), amount of damage, and attribute of receivables ( product, use of funds, occupation, lending conditions, etc.), etc. (see FIG. 3(B)).

The current balance statement file 106c is a file for storing the current balance statement. The current balance details may include data such as debtor classification, account number (loan account number), credit balance, and credit attributes (product, use of funds, occupation, loan conditions, etc.) (Fig. 3 (C) reference).

The control unit 102 is a CPU or the like that comprehensively controls the credit management apparatus 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. The control unit 102 functionally conceptually includes a bad debt performance calculation unit 102a,
and a data update unit 102b.

The bad debt record calculation unit 102a calculates the bad debt record rate for each debtor category and credit attribute based on the credit details and current balance details in the credit details file 106b. Further, the bad debt record calculation unit 102a calculates the bad debt record rate for each debtor category and credit attribute based on the credit details and the current balance details in the credit details file 106b. The bond attribute may be, for example, at least one of product, use of funds, debtor, and lending conditions.

The data update unit 102b updates data such as customer information in the customer information file 106a, credit information in the credit statement file 106b, and current balance details in the current balance statement file 106c based on the operation of the operator, for example. Update.

[3. Specific example of processing]
A specific example of the processing of the control unit 102 of the claim management apparatus 100 according to this embodiment will be described in detail with reference to FIGS. 2 to 5. FIG. 3 to 5 are sample data for explaining specific examples of processing of the control unit 102 of the claim management apparatus 100 according to this embodiment.

(1) Case where bond attribute=product With reference to FIG. 3, the calculation of the bad debt record rate when bond attribute=product will be described. FIG. 3 is a diagram for explaining the calculation of the bad debt performance rate when the credit attribute=merchandise.

In FIG. 3, FIG. 3(A) shows an example of customer information, and the customer information includes data of beginning obligor category, branch number, and customer number. FIG. 3(B) shows the details of the receivables, to which items of products (general loans, card loans, educational loans, new products), which are the attributes of the receivables, are added. The receivable details include data such as items, account numbers, beginning balances, damage amounts, and receivable attributes such as products (general loans, card loans, educational loans, and new products). FIG. 1(C) shows the current balance details. Items of products (general loans, card loans, educational loans, new products), which are credit attributes, are added to the current balance details. Current balance details include data such as debtor classification, account number, credit balance, and products.

Based on the credit statement and the current balance statement, the bad debt record calculation unit 102a creates information including the bad debt record rate and allowance for each debtor category and product, as shown in FIG. In the information shown in FIG. 3(D), the balance at the beginning of the period, the amount of damage, the bad debt record rate, the current balance, and the allowance for each debtor classification and product classification are calculated. In the example shown in FIG. 3(D), the debtor classification "other caution required" and the product "educational loan" have a default rate of "9.11", the debtor classification "other caution required" and the product "new product" However, the bad debt record rate is "5.28", the debtor classification "needs supervision" and the product "new product" are the bad debt record rate "21.88". In this example, it can be seen that the default rate (risk) is affected not only by the obligor category but also by the product.

The bad debt record calculation unit 102a creates information including the bad debt record rate for each product, as shown in FIG. In the information shown in FIG. 3(E), the balance at the beginning of the period, the amount of damage, and the bad debt record rate are calculated for each product category. In the example shown in FIG. 3E, the product "new product" has a bad debt record rate of "13.09", and the product "educational loan" has a bad debt record rate of "9.11". In this example, since the default rate (risk) for new products is particularly high, it is necessary to take countermeasures.

(2) When bond attribute=use of funds With reference to FIG. 4, the calculation of the bad debt record rate when the bond attribute=use of funds will be described. FIG. 4 is a diagram for explaining the calculation of the bad debt record rate when the credit attribute=use of funds.

In FIG. 4, FIG. 4A shows an example of customer information. Fig. 4(B) shows the details of receivables, to which items of use of funds (purchase of real estate, purchase of durable consumer goods, educational expenses, other living expenses, medical expenses, etc.), which are attributes of receivables, are added. ing. The statement of receivables includes data such as line item, account number, beginning balance, amount of impairment, and fund usage. FIG. 4(C) shows the current balance details. Items of use of funds (purchase of real estate, purchase of durable consumer goods, educational expenses, other living expenses, medical expenses, etc.), which are credit attributes, are added to the current balance statement. Current balance details include data such as debtor classification, account number, credit balance, and use of funds.

The bad debt record calculation unit 102a creates information including the bad debt record rate and allowance for each debtor classification and fund use as shown in FIG. 4(D) based on the credit statement and current balance statement . In the information shown in FIG. 4(D), the beginning balance, the amount of damage, the bad debt record rate, the current balance, and the allowance are calculated for each debtor classification and fund use. In the example shown in FIG. 4(D), the debtor category "other caution required" and the use of funds "educational expenses" have a bad debt record rate of "9.11", the debtor category "needs attention" and the use of funds "living “Funds and others” has a default rate of “21.88”. In this example, it can be seen that the bad debt performance rate (risk) is affected not only by the obligor classification but also by the use of funds.

The bad debt record calculation unit 102a creates information including the bad debt record rate for each use of funds, as shown in FIG. In the information shown in FIG. 4(E), the balance at the beginning of the period, the amount of damage, and the bad debt record rate are calculated for each use of funds. In the example shown in FIG. 4(E), the use of funds "living expenses and others" has a bad debt performance rate of "13.09". In this example, it is necessary to take countermeasures because the bad debt performance rate (risk) is high for those whose use of funds is "living funds and others."

(3) Case where credit attribute=type of job With reference to FIG. 5, the calculation of the bad debt performance rate when credit attribute=type of job will be described. FIG. 5 is a diagram for explaining the calculation of the bad debt record rate when the credit attribute=type of job.

In FIG. 5, FIG. 5A shows an example of customer information. FIG. 5(B) shows the details of the claim, and the item of the obligor's occupation (company employee, company executive, self-employed, etc.), which is the attribute of the claim, is added to the details of the claim. A receivables statement includes data such as line item, account number, beginning balance, amount of impairment, and occupation. FIG. 5(C) shows the current balance details. The item of the obligor's occupation (e.g., company employee, company executive, self-employed, etc.), which is a credit attribute, is added to the current balance details. Current balance details include data such as debtor classification, account number, credit balance, and occupation.

Based on the credit statement and the current balance statement, the bad debt record calculation unit 102a creates information including the bad debt record rate and allowance for each debtor classification and occupation, as shown in FIG. 5(D). In the information shown in FIG. 5(D), the beginning balance, the amount of damage, the bad debt record rate, the current balance, and the allowance are calculated for each debtor classification and occupation. In the example shown in FIG. 5(D), the debtor classification "other caution required" and occupation "office worker" have a default rate of "10.65", the debtor classification "needs attention" and occupation "self-employed" However, the actual bad debt rate is 21.88. In this example, it can be seen that the bad debt performance rate (risk) is affected not only by the obligor classification but also by occupation.

The bad debt record calculation unit 102a creates information including the bad debt record rate for each job type, as shown in FIG. 5(E), based on the credit statement and the current balance statement. In the information shown in FIG. 5(E), the beginning balance, the amount of damage, and the bad debt performance rate are calculated for each occupation. In the example shown in FIG. 5(E), the occupational category "self-employed" has a default rate of "6.28". In this example, it is necessary to take countermeasures because the bad debt performance rate (risk) is high for those whose occupation is "self-employed."

As described above, according to the present embodiment, the bad debt record calculation unit 102a calculates the bad debt record rate for each debtor category and credit attribute based on the credit details and the current balance details. Therefore, it is possible to analyze bad debt risk from multiple perspectives.

Further, according to the present embodiment, the bad debt record calculation unit 102a calculates the bad debt record rate for each credit attribute based on the credit details and the current balance details. Risk can be analyzed.

[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 Or partly can be done automatically by a known method.

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.

Further, regarding the credit management apparatus 100, each component shown in the figure is functionally conceptual, and does not necessarily need to be physically configured as shown in the figure.

For example, the processing functions of the claim management apparatus 100, particularly the processing functions performed by the control unit 102, may be 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 in a non-temporary computer-readable recording medium containing programmed instructions for causing the information processing apparatus to execute the processing described in the present embodiment, and the credit management apparatus as necessary. 100 mechanically read. That is, a storage unit such as a ROM or HDD (Hard Disk Drive) stores a computer program for giving instructions 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 a control section in cooperation with the CPU.

In addition, this computer program may be stored in an application program server connected to the claim management apparatus 100 via any network, and all or part of it can be downloaded as necessary. be.

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 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. programs, tables, databases, and files for web pages.

Further, the claim management apparatus 100 may be configured as an information processing apparatus such as a known personal computer or workstation, or may be configured as the information processing apparatus to which arbitrary peripheral devices are connected. Also, the credit management apparatus 100 may be realized by installing software (including programs, data, etc.) for realizing the processes described in the present embodiment.

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 loads. It can be distributed and integrated. In other words, the embodiments described above may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

100 credit management device
102 control unit
102a Bad debt performance calculation unit
102b data update unit
104 communication interface unit
106 storage unit
106a Customer information file
106b Claims statement file
106c Current balance statement file
108 input/output interface
112 input device
114 output device 200 server 300 network

Claims (5)

A credit management device comprising a control unit and a storage unit,
The storage unit
a claim statement storage means for storing the claim statement including the account number, the balance at the beginning of the term, the amount of damage, and the attribute of the claim for each claim;
current balance details storage means for storing current balance details including data on debtor category, account number, credit balance, and credit attribute for each claim;
with
The control unit
A claim management apparatus, comprising: credit loss record calculation means for calculating a credit loss record rate for each debtor classification and credit attribute based on the credit statement and the current balance statement. 2. The claim management apparatus according to claim 1, wherein said bad debt history calculation means calculates a bad debt record rate for each credit attribute based on said credit details and said current balance details. 3. The claim management apparatus according to claim 1, wherein the claim attribute includes at least one of product, use of funds, and occupation . A claim management method executed by an information processing device comprising a control unit and a storage unit,
The storage unit
a claim statement storage means for storing a claim statement including account number, beginning balance, damage amount, and claim attribute data for each claim;
current balance details storage means for storing current balance details including data on debtor category, account number, credit balance, and credit attribute for each claim;
with
executed by the control unit;
A claim management method, comprising: a credit loss performance calculation step of calculating a credit loss performance rate for each debtor category and each credit attribute based on the credit details and the current balance details. A credit management program to be executed by an information processing device having a control unit and a storage unit,
The storage unit
a claim statement storage means for storing a claim statement including account number, beginning balance, damage amount, and claim attribute data for each claim;
current balance details storage means for storing current balance details including data on debtor category, account number, credit balance, and credit attribute for each claim;
with
In the control unit,
A claim management program for executing a credit loss performance calculation step of calculating a credit loss performance rate for each debtor classification and credit attribute based on the credit details and the current balance details.

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