JPH1196247A - Batch factoring device, credit floating device and batch factoring system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To timely raise money by the flotation of credit and to considerably reduce the burden of a business routine in performing factoring. SOLUTION: A batch factoring device 5 is connected with a credit floating device 6 and raises money for purchasing credit receivable by floating the credit receivable, credit receivable data for which the flotation is required is continuously transmitted for the credit floating device 6, a credit flotation parameter regarding the credit receivable capable of being floated among the transmitted credit receivable data is received from the credit floating device 6, the credit receivable data for which time credit flotation is executed by the credit floating device 6 are erased based on the credit floating parameter and the credit receivable data for which the credit flotation is unexecuted are updated by the device.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a collective factoring device, a liquidation device and a collective factoring system for performing settlement of commercial transactions by collective settlement of accounts receivable.

[0002]

2. Description of the Related Art Bill settlement has been mainly used as fund settlement in commercial transactions. However, with the spread of e-commerce settlement systems in recent years, there is a growing need for fund settlement without using bills.

As a settlement method that does not use bills, there is a settlement method called a collective factoring method (collective settlement method).

[0004] The collective factoring method refers to a parent company,
Based on the contract between the subcontractor and the financial institution (factoring institution), the subcontractor transfers the receivables (subcontracted receivables) corresponding to all or a part of the subcontracted money to the financial institution and the amount of the subcontracted amount And the parent company pays the financial institution the amount corresponding to the amount of the subcontracted receivables.

[0005] According to such a system, there is an advantage that a large amount of settlement can be performed by computer processing since various procedures conventionally required for bill settlement, such as bill issuance and issuance, become unnecessary.

[0006]

However, the conventional collective factoring method has the following problems.

That is, according to the above-mentioned method, when the factoring institution seeks to raise funds necessary for the purchase of accounts receivable by liquidation of receivables, it takes time to liquidate the receivables, and the time required for payment of the receivable purchase price is increased. In some cases, it was not possible to raise funds in a timely manner.

[0008] On the other hand, in the collective factoring system, generally, a financial institution is a factoring institution. However, there is a problem in that the parent financial institution and the subcontractor have different financial institutions, and it may be easier for the subcontractor to accept when the parent or its affiliate is a factoring institution.

[0009] However, since the parent business or its affiliated company is not a financial institution, there is a procedural difficulty in performing the factoring business, and there has been a case where it has been practically necessary to give up adopting this system. .

[0010] The present invention has been made in view of the above-described circumstances.
It is an object of the present invention to provide a collective factoring device, a receivables liquidating device, and a collective factoring system that can significantly reduce the burden on administrative procedures.

[0011]

In order to solve the above-mentioned problems, a first means of the present invention is connected to a receivables refining apparatus and procures funds for purchasing receivables by liquidating the receivables. A means for continuously transmitting receivables data required for liquidation to the receivables liquidating apparatus, and a receivable receivable that can be liquidated from the transmitted receivables data. Means for receiving a receivables liquidation parameter for the receivables liquidation device from the receivables liquidation device; and Means for updating the unexecuted credit data.

The second means is a receivables refining apparatus connected to a collective factoring apparatus for procuring receivables repurchase funds by liquidating the receivables. A means for continuously receiving data from the collective factoring device, matching receivables data with investor parameters, performing receivables liquidation simulation, and generating receivables liquidation parameters for receivables that can be liquidated. Means, and means for executing liquidation of the receivable based on the receivable liquidation parameter.

A third means is a collective factoring system having a receivables liquidating device and a collective factoring device connected to the receivables liquidating device and procuring receivables repurchase funds by liquidating the receivables. And
A receivable flow non-executing table that is provided in both the receivable liquidation device and the collective factoring device and stores receivable data that needs to be liquidated, and based on the receivable liquidation execution of both receivables, Means for updating the execution table in conjunction with the execution table.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to FIGS.

FIG. 1 is an overall view showing a schematic configuration of this system.

In FIG. 1, reference numeral 1 denotes a parent company, reference numeral 2 denotes a purchase / subcontractor having a transaction with the parent company (hereinafter, simply referred to as “subcontractor”), and reference numeral 3 denotes a subcontractor. Is a factoring institution. The factoring institution 3 is provided with a factoring device 4, which is connected to a receivables liquidating device 6 provided in the financial institution 5.

The functions of the factoring device 4 can be broadly divided into (1) determination of the receivables to be transferred to a factoring organization, and (2) financing of the discount application from the subcontractor 2 (liquidation of receivables). The function of the receivables liquidator 6 is as follows: (3) calculation of receivables liquidation parameters by receivables receivable simulation; Divided into procurement. A function that characterizes the entire system includes (5) a function of linking and updating the credit data that has not been liquidated between the factoring device 4 and the credit liquidation device 6.

Hereinafter, the configuration and functions of this system will be described with reference to the flowcharts shown in FIGS. 1 and 2 to 4. 2 and 3 are flowcharts showing the processing of the factoring device, and FIG. 4 is a flowchart showing the processing of the debt securitization device.

(1) Determining the receivables to be transferred to the factoring institution 3 First, the parent company 1, the subcontractor 2 and the factoring institution 3 delegate the factoring of the receivables to the factoring institution 3 in advance. Contract (factoring contract). Factoring organization 3
Based on the factoring contract, information on the parent company 1 and subcontractor 2 is stored in the customer management master 8 shown in FIG. 1, and contract content information is stored in the contract information management master 9 (step S1 in FIG. 2).

Then, the subcontractor 2 sells goods and provides services to the parent operator 1, thereby acquiring a receivable (a receivable) for the parent operator 1. Thereafter, the subcontracting company 2 notifies the parent company 1 of a list of the payment claims for the parent company 1 that the user wishes to settle by bill issuance.

In this way, the parent company 1 specifies a factoring loan, out of the payment claims, that is, a loan that the subcontractor 2 wants to transfer to a factoring company. Then, the parent company 1 transmits the list of receivables to the factoring device 4 via the communication network 11 together with information for specifying the factoring contract (step S2 in FIG. 2).

The factoring device 4 stores the received list of receivables in a customer management master 8 and a contract management master 9.
After checking the validity of the data (step S3), each credit data is stored in the credit management master indicated by 10 in FIG. 1 in association with the contract management master 9 (step S4). The processing related to the credit management is executed by the credit management unit 12 shown in FIG.

The factoring device 4 has a bond transfer confirmation unit 13. This claim transfer confirmation unit 13
FIG. 2 shows steps S5, S6 (a, b), S7 (a,
b) and 8 (a, b), and has a function of confirming the will of the subcontractor to transfer each of the claims included in the list of claims received from the parent company.

That is, in step S5, the claim transfer confirmation unit 13 classifies the newly registered claim data into claims for "collective discount" and claims for "individual discount", and then assigns claims for each. A statement slip is created (steps S6a, b). Here, the “collective discount” means that discount is executed by discounting the total amount of the receivables on the payment date (receivable date). “Individual discount” means discounting based on a creditor's application for a discount on a specific day before the payment date. The distinction between the collective discount and the individual discount is selected at the time of the factoring contract, and is stored in the receivable management master 10 together with each receivable data.

Next, the receivable-transfer confirmation unit 13 proceeds to step S
7a and 7b, the receivables transfer statement is sent to subcontractor 2
Send to In the case of an individual discount, an individual discount application form for applying for the individual discount is also transmitted at the same time (step S7b). Then, step S8
The transferred claims are fixed in a and b. This determination is made based on the fact that the subcontractor does not make a statement within a certain period of time to the transmitted statement of receipt of claims.

Through the above steps, the receivable to be transferred is determined.

(2) Procurement of Funds for Discount Application from Subcontractor Procurement of funds is performed by the financing management unit 14 based on the loan data stored in the financing management table 15 shown in FIG. ing.

That is, in the case of a collective discount, step S8
Since it is necessary to raise funds on the loan due date for all of the loans determined in a, all the loan data are registered in the loan procurement master 14 together with the due date data (step S9).

On the other hand, in the case of individual discount, steps S10
In S12, it is necessary to raise funds for the receivables for which a subcontractor has applied for a discount by the discount date. Therefore, only the receivables for which a discount application has been made and for which the discount has been executed are eligible for financing (step S1
3).

The individual discount processing (steps S10 to S)
12) will be described.

The individual discount processing is performed by the discount management unit 1 shown in FIG.
6.

As described above, the subcontractor makes an individual discount application before the due date of the loan by using the discount application form. Although not shown, this form includes columns for inputting a telephone number, a fax number, a debtor number, a company number, a date of consent to transfer, a credit number, a discount application amount, a date of receipt of a price, and a confirmation number. After filling in these fields, the subcontractor transmits to the factoring device 4 (step S10).

The discount management unit 16 performs a reconciliation process with the customer management master 8 and the credit management master 9 based on the discount application form received from the subcontractor, and confirms the validity of the discount application (step S11). ). Specifically, the confirmation number, the fax number, the telephone number, and the company number included in the form are compared with the customer management master 8, and the receivable number, the discount application Perform the matching process for the amount and the date of receipt of the price.

The transmission of the discount application form may be performed by e-mail or other data transmission means.
The information included in the form transmitted by facsimile may be converted into data and taken in using the FAX / OCR device 17 shown in FIG.

If the result of the comparison is OK, the discount management section 16 generates a discount statement. Then, discount transfer data is generated, and an account transfer instruction is issued by firm banking (step S12).

Next, the discount management unit 16 transfers the discounted credit data to the funding management table 15 (step S13).

Thus, the individual discount processing is completed.

(3) Calculation of Receivables Liquidation Parameter by Receivables Liquidation Simulation As described above, the funding management table 15
The loan data to be raised is classified and stored for each discount date. Of these, the loan data for which the liquidation has not been executed is shown in the non-executed liquidation list table 19 shown in FIG.
(Step S14).

As shown in FIG. 1, the same table 21 as the non-executed liquidation liquidation list table 19 is also provided in the liquidation device 6. The change information of the bond liquidation table 21 of the bond liquidation device 6 is transmitted to the bond liquidation device every time the non-executable list table 19 of the factoring device is updated, and is updated in conjunction therewith. (Step S15).

Further, the receivables liquidating apparatus 6 includes parent company and claim information for storing the name of the parent company, the date of acceptance of the transfer of the claims, the date of the claim, the maximum number of lump-sum discounted receivables of the parent company, and the maximum number of individual receivables. It has a management master 22. This management master 2
2 is obtained in advance from the factoring device 4.

Further, the receivables liquidating apparatus 6 includes an investor parameter management table 2 for storing investor parameters.
3 This investor parameter indicates the purchase condition of the accounts receivable-trade trust beneficiary right for each investor, and is generated by the investor parameter generating unit 24 shown in FIG. That is, as for the receivables stored in the parent company and receivables management master 22, if the receivables for which the investor parameters match are included in the non-executable receivable liquidation list table 21, the receivables are immediately liquidated. Can be performed.

In order to perform this processing, the receivables liquidating apparatus 6 uses the receivables data included in the non-executable receivables liquidation list table 21, the parent company / receivables management master 22, and the investor parameter management table 23. Has a debt liquidation simulation unit 25 that performs a debt liquidation simulation by matching the data stored in the data.

The receivable liquidation simulation unit 25
Is used to select an investor based on the investor parameters and to judge whether or not liquidation of the receivable is possible. When possible, the receivables liquidation parameter generation unit 26 causes the receivables liquidation condition (liquidation parameter) Is output (steps S16 and S17 in FIG. 4). The liquidation parameters include a discount rate, a discount amount (a liquidation amount), and a liquidation execution date.

Then, the bond liquidation parameter generation unit 26 attaches the fund liquidation parameter as flag information to the non-executable bond list table and transfers it to the factoring device 4 (step S18 in FIG. 4).

(4) Execution of Receivables Liquidation On the other hand, the receivables liquidation execution unit 27 provided in the receivables liquidation apparatus 6 receivables to a factoring institution based on the conditions determined in the receivables simulation. Generates loan trust rate condition tables, accounts receivable trust contracts, receivables trust beneficiary right application forms for investors, guidance on payment of purchase price, certificates, and liquidates the receivables to the banking system 28 (Step S)
19).

(5) Updating the link of the data of the list of unexecuted receivables liquidation In addition, the factoring device 4 sets the step S20 of FIG.
As shown in (1), the non-executed credit list data to which the credit liquidation parameter is attached is received from the credit liquidation device 6. Funding management unit 14 of this factoring device 4
Reflects the data in the financing management table 15, generates a request for consent to transfer the loan to the financial institution for the parent company for the liquidation execution portion, and transmits it to the parent company (step S21).

Further, the credit management unit 12 deletes the liquidation execution amount from the credit management master 10 based on the flag information (step S22).

Then, based on the updated credit management master 9 and the financing management table 15, the non-executed credit liquidation list table 19 is updated. As described above, the non-executed receivable liquidation list table 19 stores the receivable
And the list 21 of non-executed receivables liquidation of the receivables liquidating device 6 is similarly updated (step S2
3).

For loans that could not be liquidated by the above-mentioned loan liquidation system, the funds are raised or left as they are in the bank lending system, and are added to the list of unexecuted receivables together with the next discounted amount. Let it remain.

The above processing is repeated every business day until the due date, as shown by reference numeral 24 in FIG. 3, and the factoring remaining amount is cleared on the due date (step S25).

According to the configuration described above, the following effects can be obtained.

First, there is an effect that fund procurement through liquidation of receivables can be promptly performed.

In other words, in this system, the non-executed receivable liquidation list tables 19 and 21 are linked between the factoring device 4 and the receivable liquidity device 6, and are constantly updated in synchronization. This has the effect of enabling quick data processing.

In this system, since investor parameters are obtained and held in advance, it is possible to quickly determine the possibility of liquidation of the receivable by matching, and to execute liquidation of the receivable. Then, by using the bond liquidation parameter, the update of the bond data can be easily performed.

Second, even if the parent company 1 or its affiliated company becomes the factoring institution 3, the data of the factoring device 4 of the present invention is linked to the receivables liquidation device 6 provided in the financial institution. Therefore, factoring work can be performed by simple business procedures.

Therefore, it is possible to construct a factoring system that is easily accepted by subcontractors.

The present invention is not limited to the above-described embodiment, but can be variously modified without changing the gist of the invention.

[0058]

As described above, according to the present invention, it is possible to procure funds by securitization of receivables in a timely manner and to considerably reduce the burden of administrative procedures in performing factoring. is there.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a schematic configuration of an embodiment of the present invention.

FIG. 2 is a flowchart showing a processing procedure of the factoring device.

FIG. 3 is a flowchart showing a processing procedure of the factoring device.

FIG. 4 is a flowchart showing a processing procedure of the debt liquidation device.

[Explanation of symbols]

4: Factoring device, 6: Receivable liquidation device, 19:
Receivable liquidation unexecuted list table (receivables data requiring liquidation), 21 ... Receivable liquidation unexecuted list table (receivables data requiring liquidation), 25 ... Receivable liquidation simulation unit, 26 ... Debt securitization parameter generator.

Claims (3)

[Claims] Claims: 1. A collective factoring device connected to a receivables refining device for procuring receivables repurchase funds by liquidating the receivables, wherein the receivables data required for liquidation is receivable flow. Means for continuously transmitting to the liquefier, means for receiving, from the transmitted receivables receivable data, a receivables liquidation parameter for receivables that can be liquidated from the receivables liquidator, Means for erasing the receivable data on which receivable liquidation has been executed by the receivable liquidation device and updating the receivable data on which receivable liquidation has not been executed, based on the parameterization. apparatus. 2. A receivables liquidation device connected to a collective factoring device for procuring receivables repurchase funds by liquidating the receivables, wherein the receivables data required to be liquidated is collectively factored. Means for continuously receiving from the apparatus, means for matching receivables data and investor parameters, performing receivables liquidation simulation, and means for generating receivables liquidation parameters for receivables that can be liquidated, Means for executing liquidation of the bond based on the bond liquidation parameter. 3. A collective factoring system comprising: a receivables liquidating device; and a collective factoring device connected to the receivables liquidating device and for procuring receivables repurchase funds by liquidating the receivables. A receivable flow non-executing table which is provided in both the receivable liquidation device and the collective factoring device and stores the receivable data required for liquidation, based on the receivable execution of the receivable, Means for updating the execution table in conjunction with the execution table.