JPH11265412A - Interest calculating device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a means capable of calculating interest and yield with high versatility independently of merchandise in an interest calculating device for calculating the interest and yield of financial merchandise such as various deposits and savings. SOLUTION: This device is constituted of an accumulation characteristic storage means 1 for storing characteristics specifying an accumulation including the paying-in amount corresponding to the date, an interest calculating means 2 for calculating the interest based on the characteristics stored in the accumulation characteristic storage means 1, and an interest payment amount storage means 3 for storing the interest payment amount calculated by the interest calculating means 2 corresponding to the date. Thus, the interest and the yield can be easily calculated only by setting an accumulation condition table even without developing any accumulation calculation program for calculating the interest and the yield at every time producing the new financial merchandise.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to an interest calculation device for calculating interest rates and yields of financial instruments such as various savings and deposits.

[0002]

2. Description of the Related Art Conventionally, calculation of interest and yield on savings and deposits is performed by a specific formula for each of the savings and savings financial products, and an interest and yield calculating program has been developed for each financial product.

[0003]

According to the conventional method, it is necessary to create a new calculation formula every time a new deposit / deposit financial product is developed, and it takes time to develop a program.
In the competition for developing financial products, there is a risk of losing their competitive advantage by lagging behind competitors.

[0004] In view of the above, an object of the present invention is to provide means for enabling highly versatile interest and yield calculations independent of products.

[0005]

The above object is achieved by an interest calculation device configured as follows. FIG.
FIG. 1 is a configuration diagram of the present invention.

In FIG. 1, reference numeral 1 denotes a profit characteristic storing means for storing characteristics defining a profit including a deposit amount corresponding to a due date, and reference numeral 2 denotes an interest based on the characteristics stored in the profit characteristic storing means 1. Is an interest payment storage means for storing the interest payment amount calculated by the interest calculation means 2 corresponding to the due date (claim 1).

[0007] In the above-described characteristics defining the profit-making, the deposit / withdrawal pattern defines the deposit amount to be deposited in order to make a profit with the financial product, the withdrawal amount and the due date to be paid, and the interest rate pattern corresponds to the interest-generating interest rate. The interest payment pattern stipulates the date on which interest is paid as a result of breeding, the principal-addition pattern stipulates the date on which interest is to be added to the principal to be cultivated, and the tax rate pattern is The tax rate on interest is defined according to the due date (claim 2).

[0008] The interest payment amount stored corresponding to the date by the interest payment amount storage means 3 of the first interest calculator corresponding to the first financial instrument is stored in the second interest calculator corresponding to the second financial instrument. Is stored in the breeding characteristic storage means 1 as a deposit amount corresponding to, and becomes a breeding target (claim 3).

[0009]

FIG. 2 shows a configuration diagram of an embodiment of the present invention. In the present embodiment, a mode realized by a computer program executed on a computer used for general purposes such as a personal computer and a workstation will be described.

The interest calculation device of the present invention is realized by executing a computer program on a computer including a processing device, a main storage device, an auxiliary storage device, and an input / output device. The computer program is provided by being stored in a portable medium such as a floppy disk or a CD-ROM, or in a main storage device or an auxiliary storage device of another computer connected to a network. The recording medium of the present invention corresponds to the portable medium, the main storage device, and the auxiliary storage device.

The provided computer program is loaded directly from the portable medium to the main storage device of the computer, or once copied or installed from the portable medium to the auxiliary storage device, and then loaded into the main storage device and executed. Also, when provided by being stored in another device connected to a network, it is also copied to an auxiliary storage device, loaded into a main storage device, and executed after receiving from another device via a network.

In FIG. 2, reference numeral 10 denotes a computer;
Reference numeral 11 denotes a display on which the user operates the computer 10, and reference numeral 12 denotes a printer for printing a processing result. 13a
Denotes a profit calculation unit A that realizes a function of calculating interest and yield of the financial product A by a computer program. A plurality of profit calculation units can be arranged on the computer, and one of the profit calculation units B corresponding to the financial product B shown in 13b is shown. The configurations of the profit calculation units A and B are the same, and will be collectively described hereinafter simply as the profit calculation unit 13.

Reference numeral 20 denotes a multiplication condition table. The financial product generates interest according to the deposited amount and the period, and breeds. The breeding condition table 20 has five basic condition tables that define the characteristics of breeding. In these condition tables, conditions from the user input from the input / output operation unit 15 by the multiplication condition operation unit 17 are set. As will be described later, the deposit / withdrawal table 21 may be set with a deposit amount from the interest payment amount output unit 28 of the other profit calculation unit 13 via the deposit amount input unit 16. The setting may be made so as to refer to the interest rate table 22 of the unit 13.

The deposit and withdrawal table 21 is used to set when and how much to deposit and withdraw. As a result, the fund that is the source of the profit, that is, the amount of the principal is set in accordance with the passage of the date. FIG. 3 is an explanatory view of the deposit / withdrawal table.

The interest rate table 22 is for setting an interest rate to be applied according to a due date. The corresponding date is indicated by the date in addition to the relative number of elapsed months. That is, for example, the interest rate may be set to change depending on the elapsed months, such as a fixed deposit, and the due date is indicated as 6 months, 12 months or the like relatively from the first date.

FIG. 4 is an explanatory diagram of the interest rate table. FIG.
(A) is an example of an ordinary deposit, in which the date when the applied interest rate is changed (or becomes) and the interest rate are set.
Interest rates are actual and fixed in the past, but future rates are set as planned. Some financial instruments are contractual, but when applying a fluctuating interest rate, simulations to calculate tentative interest may be performed assuming.

FIG. 4B shows an example of a fixed-amount savings, and shows that the applicable interest rate is changed and set according to the number of months passed. Once the period for calculating interest is determined from these, the interest rate to be applied at that time can be known from this interest rate table.

The interest payment table 23 pays all or a part of the interest up to that date on an intermediate date from the start to the end of the deposit of the principal, that is, the interest payment. It indicates the due date. When paying a part of interest each time, the rate is set separately as the interest payment rate.

FIG. 5 is an explanatory diagram of the interest payment table 23. FIG. 5A shows an interest payment table of the super time deposit (interim interest payment). The financial instrument has two years from deposit to termination and pays interest up to that point in the middle year. Since the deposit start date is in the deposit / withdrawal table 21, this table does not indicate the date but indicates the interest payment interval and the number of repetitions. As a result, it is possible to easily specify the date of interest payment that occurs every certain period.

That is, assuming that the deposit start date in the deposit / withdrawal table 21 is September 1, 1998, the interest payment is “12 months later” in the “interval” column and “repeat” on September 1, 1999. This is performed only once in the column. FIG.
As shown in the “Date” column of (b), “19999090
This is the same as specifying "1" directly with the due date. FIG. 5 (c)
It is also possible to directly specify the interest payment date as in

The principal addition table 24 adds the amount of interest obtained up to that time to the principal from which interest is calculated,
The following table is a table for designating a date for performing “principle addition” for calculating interest on the principal to which the interest has been added. When making the partial interest payment, the remainder is incorporated into the principal in the same manner as the principal.

FIG. 6 is an explanatory diagram of the source table 24.
FIG. 6A shows a source table in a format for designating the number of intervals months and the number of repetitions for a fixed deposit. Flat-rate savings is a compound interest-type financial product with a ten-year maturity and interest added to the principal every six months. In FIG. 6A, the interval is designated as “6” months, and the number of repetitions is designated as “20”. This has the same effect as directly specifying the date as shown in FIG.

The tax rate table 25 is for setting a tax rate corresponding to the due date, similarly to the interest rate table 22 described above. Taxes are levied on interest earned as a result of breeding on a financial instrument and are usually at the time in the respective tax rate table 25 for interim interest payments, interest payments at maturity or at maturity. Tax rates apply.

As described above, the breeding condition table 2
Each financial instrument can be defined by the profit condition specified as 0. In the profit calculation unit A13, the interest calculation unit 26 is executed according to the conditions specified in the profit condition table 20, and the calculated result is stored in the calculation result storage unit 27.

The calculation result storage unit 27 stores the profit condition table 20 during the period from the start to the end of depositing the principal of the financial product.
The interest at that time is calculated each time the various dates specified in, and the results of the multiplication are accumulated and recorded. That is, the information includes an interest calculation period, a deposit / withdrawal amount, a balance, an interest rate, a tax, an interest payment amount, a principal addition amount, and the like.

FIG. 7 shows an example of the profit calculation result screen.
This is an example in which the calculation result of the fixed amount saving of interest payment is displayed on the display screen. The interest payment output unit 28 extracts the interest payment amount from the calculation results stored and stored in the calculation result storage unit 27 in association with the due date, and outputs the interest payment amount to be used as a deposit for another financial product. is there.

The deposit input unit 16 receives the interest payment from the profit calculating unit 13 of another financial product as a deposit when necessary. As described above with reference to FIG. 2 and the related drawings, the profit calculation unit 13 corresponding to each financial product stores the characteristics of the financial product in the breeding condition table 20.
It can be understood that the configuration is such that the breeding calculation can be performed by setting the date corresponding to the due date, and the transition of numerical values such as the amounts of various items can be recorded and obtained as a breeding calculation result.

Here, a mechanism for calculating a profit, such as an interest and a yield, using data set in the profit conditions will be described. FIG. 8 is an explanatory diagram of the profit calculation. This means that there are three deposits between the date of payment and the date of payment, and the interest calculation to calculate the interest and yield when the interest rate is changed once and the interest is added to the principal once. Is what you do.

Interest accrues daily for the principal, but the calculation is made at the time the profit conditions change. Note that the calculation method has a daily / monthly basis and one end / both ends, which can be separately defined as an interest rate pattern.

The time points at which the profit conditions change are the date of payment, the date of addition, the date of change of interest, the date of interest payment, and the date of payment. Therefore, as shown in FIG. 8, the interest is calculated by dividing the breeding target period into days a, b, c, d, e, and f. The interest payment is determined by the interest payment rate set separately, leaving a part of the original payment amount. In addition,
When the interest payment date and the original date overlap, priority is given to interest payment.

When paying interest, that is, interest payment,
Taxes according to the tax rate are deducted on the interest at the time of addition and payment. Yield represents the interest accrued on the principal in one year, and is calculated from the average balance obtained from the deposit, the breeding period, and the total interest paid there.

Actually, the date of payment, the date of addition, the date of interest change, and the date of interest payment differ in the number of times and the order. However, by dividing the interest into the calculation period shown here, the profit from the start to the end of the financial instrument can be obtained. Occurrences and transitions of the payment balance, interest, addition, interest payment, tax, and the like in the period can be similarly calculated. As described above, it can be understood that the profit calculation can be realized by setting the characteristics of the financial product by the profit condition table 20 in the embodiment of the present invention.

FIG. 9 is a flowchart showing the operation of the above-described profit calculation mechanism. In step S901, the characteristics of the financial product described above are input, and each pattern of deposit / withdrawal, interest rate, interest payment, principal addition, and tax rate is set in the profit condition table 20.

In step S902, as described above with respect to the configuration of each condition table, the breeding condition change date may be directly specified by the date or may be specified by the interval and the number of repetitions. Remember. In this way, a section in which interest calculation is performed on the border of the breeding condition change date is set. The following breeding calculation is performed for each breeding condition change date using this interest calculation section as a unit.

In step S903, the breeding condition change dates arranged in the order of the calendar are sequentially taken out. In step S904, the section interest of the interest calculation section immediately before the extracted cultivation condition change date is calculated. The section interest is calculated from the principal balance, the principal addition balance, the number of section days, and the applicable interest rate of the section as described with reference to FIG. 8, stores the interest generated corresponding to the due date, and integrates the interest into the interest balance. Then, processing corresponding to each type of change in the profit conditions is started. However, tax rate changes are included in each process.

On the dates of deposit and withdrawal (including the last day of the breeding period), deposit and withdrawal processing is performed in step S905 to update the principal balance. On the original date, an original addition process is executed in step S906. The interest balance accumulated up to that point is added to the former addition balance to clear the interest balance.

On the interest payment date, the interest payment processing of step S907 is executed. In this case, the interest payment is made as the interest payment amount of the entire unprocessed interest balance accumulated up to that time or a portion corresponding to a separately set interest payment rate. The remaining outstanding interest balance is reduced by the amount paid and added to the original balance. When the due date of the main addition process and the interest payment process overlap, only the interest payment process is performed.

On the day of interest change, the interest change process is executed in step S908, but when the interest rate is changed, only the calculated interest record immediately before and the interest balance record are recorded. Step S
909 confirms the end of the breeding period after the deposit / withdrawal processing. At the end of the breeding period, in step S910, the principal balance, the principal addition balance, and the interest balance received as a result of the breeding of the financial product are totaled to be paid.

In step S911, the history of the profit from the start of the financial product to the end of the period is recorded and output corresponding to the date. Here, the yield is also output. Next, an example of construction of a composite product in which financial products are combined will be described. FIG. 10 is an explanatory diagram of a composite product based on a combination of financial products. First, for example, long-term government bonds will be managed as the main financial products. Long-term government bonds are such that the principal is deposited for a long period of time, for example, 10 years, and interest is paid periodically, for example, twice a year. The interest received in this way can be multiplied by using another financial product individually, or can be automatically deposited and operated in another sub-financial product, for example, a super time deposit. In the embodiment of the present invention, the interest payment amount output unit 28 provided in the above-described profit calculation unit 13 is replaced with another profit calculation unit 13.
By connecting to the deposit amount input unit 16 of this example, a composite product can be easily constructed.

That is, interest payment dates a, b, and c are set in the interest payment table from the payment date to the maturity date in the main financial product of FIG. 10, and interest is paid up to that point each time. In the combined sub-financial products, the interest to be paid is output by the interest payment amount output unit 28, input to the deposit amount input unit 16 of the sub-financial products, and set as a principal in the deposit / withdrawal table in the breeding condition table.

As described above, the profit calculation section 1 of the main financial product
By executing the sub-financial product profit calculation unit 13 after the execution of 3, the profit calculation result as the composite financial product can be obtained. Although the control for connecting the plurality of multiplication units 13 is not shown, it can be easily realized by totalizing the multiplication conditions and the multiplication results in the multiplication condition table 20 of each multiplication unit 13.

The composite financial products described above are arranged in such a way that the result of one of the multiplications is used as the other principal, but the composite financial product of the parallel type in which the principal is distributed to a plurality of financial products and multiplied. Can be realized by providing a simple mechanism of a control unit that connects the two profit calculation units 13. This facilitates the design of new financial products that can diversify risks.

FIG. 11 is an explanatory diagram for referring to the reference interest rate.
Here, three financial products are shown. The breeding conditions that define each product are set in each breeding condition table 20. For example, the interest rate table 22 of the savings deposit shown in FIG. 11 is replaced with the other two financial products, that is, the interest rate table of the large time deposit and the ordinary deposit. 22 and can be set in a format referring to the interest rate table 22.

The interest rate table for savings accounts is 1998
Deposited on January 1st of the year, the amount of money was divided into two stages and 3
If the amount is less than ¥ 100,000, the interest rate is 70% for ordinary savings, and if it is more than 300,000 yen, the interest rate is 60% for large time deposits. The reference interest rate name is indicated by the name of the financial instrument, and the symbol of the reference indication indicates the relationship with the reference interest rate, that is, the rate is shown as a ratio or an additional rate with respect to the reference interest rate. As an example, "*" indicates that the ratio is multiplied. In this case, the applicable interest rate is expressed in%. In addition, "+"
The difference in interest rates can be indicated by "-".

The applicable interest rate of the ordinary deposit is 1 until April 14.
The rate is set at 1.2% from April 15, and interest rates for savings deposits of less than 300,000 yen will be linked by applying this rate to 70%. In this way, it is possible to easily and reliably set the profit conditions of a new financial product.

[0046]

As is apparent from the above description, according to the present invention, each time a new financial product is created, interest can be easily obtained only by setting the breeding condition table without developing a profit calculation program for calculating interest and yield. Interest and yield can be calculated. Further, the profit calculation of a new financial product can be performed only by combining a plurality of financial products. As a result, product planning and development can be speeded up, leading to an advantage in development competition, and it is also effective as a simulation tool for financial products and an educational tool for customers, improving work efficiency, improving service and improving quality. There are economic effects.

[Brief description of the drawings]

FIG. 1 is a block diagram of the present invention.

FIG. 2 is a configuration diagram of an embodiment of the present invention.

FIG. 3 is an explanatory diagram of a deposit / withdrawal table.

FIG. 4 is an explanatory diagram of an interest rate table.

FIG. 5 is an explanatory diagram of a coupon payment table.

FIG. 6 is an explanatory diagram of a former addition table.

FIG. 7 is an example of a profit calculation result screen

FIG. 8 is an explanatory diagram of a profit calculation.

FIG. 9 is a flowchart of the profit calculation.

FIG. 10 is an explanatory diagram of a composite product based on a combination of financial products.

FIG. 11 is an explanatory diagram of reference to a base interest rate.

[Explanation of symbols]

 1 means for storing profit characteristics 2 means for calculating interest 3 means for storing interest

Claims (5)

[Claims] 1. An interest calculating device for calculating an interest of a financial instrument, wherein: a profit characteristic storing means for storing a characteristic defining a profit including a deposit amount in correspondence with a due date; An interest calculation device, comprising: an interest calculation unit that calculates an interest based on the calculated characteristics; and an interest payment amount storage unit that stores the interest payment amount calculated by the interest calculation unit corresponding to a due date. 2. The characteristics defining the breeding stored in the breeding characteristics storage means correspond to the respective due dates, a deposit / withdrawal pattern in which a deposit amount and a withdrawal amount are set, an interest rate pattern in which an applied interest rate is set, and an interest rate. The interest payment pattern that sets the presence or absence of interest payment to be calculated and calculated, the principal addition pattern that sets whether interest is added to the principal to be cultivated, and the tax rate pattern that sets the applicable tax rate 2. The interest calculation device according to claim 1, wherein: 3. The method according to claim 1, wherein the interest payment amount corresponding to the due date stored in the interest payment amount storage means of the first interest calculation device is stored as a deposit amount in the cultivation characteristic storage means of the second interest calculation device. 3. The interest calculation device according to claim 1. 4. The interest rate pattern stored in the breeding characteristic storage means of the second interest calculation apparatus is set based on the interest rate pattern stored in the breeding characteristic storage means of the first interest calculation apparatus. 3. The interest calculation device according to 3. 5. An interest calculation program for calculating interest of a financial instrument, wherein the computer stores a characteristic defining a culture including a deposit amount in accordance with a due date; A computer-readable recording medium storing a program for functioning as interest calculation means for calculating interest based on the stored characteristics; and interest payment storage means for storing the interest payment amount calculated by the interest calculation means in accordance with the due date. recoding media.