WO2016190367A1

WO2016190367A1 - Lease installment guaranty system and lease installment guaranty processing method

Info

Publication number: WO2016190367A1
Application number: PCT/JP2016/065504
Authority: WO
Inventors: 隆之土岐
Original assignee: 株式会社デジックスホールディング
Priority date: 2015-05-25
Filing date: 2016-05-25
Publication date: 2016-12-01
Also published as: JP2016218914A

Abstract

[Problem] To set a premium of trade credit insurance in accordance with an outstanding balance of installment payments at the time of signing of a lease installment contract. [Solution] The lease installment guaranty system provides assistance in fulfilling an installment contract through addition of trade credit insurance to installment payments at the time of signing of a lease installment contract. The system is provided with: a storage unit in which a total amount of installment payments, a term of payment, an insurance premium rate of the trade credit insurance to be applied to installment payments as set forth in the installment contract are stored in association with one another; and a processing control unit for calculating an insurance premium of the trade credit insurance in accordance with an outstanding balance of the installment payments. The processing control unit calculates an outstanding balance as of a payment day for the installment payments, calculates an outstanding balance of the installment payments by subtracting the amount paid on the payment day from the calculated outstanding balance, and calculates an insurance premium of the trade credit insurance using this outstanding balance of the installment payments as the principal.

Description

Lease installment guarantee system and lease installment guarantee processing method

The present invention relates to a lease installment guarantee system and a lease installment guarantee processing method, and is suitable for application to a lease installment guarantee system and a lease installment guarantee processing method for providing transaction credit insurance using a residual bond method. .

In recent years, the number of companies engaged in lease transactions has increased. Lease transaction means that when a lease user procures an article such as a machine, the lease company purchases the article from the sales company instead of lending the purchase funds of the article from the lease company to the lease user, and the lease user The leasing company collects all or most of the price of goods as lease fees over a relatively long period (lease period).

In the case of goods whose value decreases over time, such as automobiles, determine the lease fee by setting the value (residual value) of the goods at the time of lease expiration and subtracting the residual value from the price of the goods Has been done. For example, Patent Document 1 describes a technology for accurately predicting a residual value of a leased object after the lease period has elapsed and calculating a residual value guarantee premium based on the predicted residual value after the lease period has elapsed. .

Usually, when making capital investment, it is common to procure goods such as machinery through lease transactions or installment transactions. If equipment such as machinery can be procured through lease transactions or installment transactions, the latest machines and equipment can be introduced with only a fixed payment every month, so the funds planned for capital investment can be used as business and operating funds. By doing so, efficient management becomes possible.

However, companies that can start with small capital, such as the service industry, are currently in a state where their human resources and organizations are fluid and it is difficult to receive financial services for capital investment. Most of these companies lack assets and credit, and even when procuring goods such as machinery by lease transactions or installment transactions, the companies could not receive financial services alone. Therefore, when these industries make capital investment, it is conceivable that a credit insurance guarantee of a major general insurance company is granted to make it easier to receive financial services.

JP 2003-216819 A

However, when regular transaction credit insurance is set, the insurance premiums to be paid are fixed at the time of lease contract or installment contract even though the monthly balance of bonds is decreasing. There is a problem that the burden on financial institutions increases and the risk of financial institutions that provide loans increases.
The present invention has been made in consideration of the above points, and is a lease installment guarantee that can set insurance premiums for transaction credit insurance for residual installment payments in lease installment contracts such as lease transactions and installment transactions. The system and the lease installment guarantee processing method are proposed.

In order to solve such a problem, in the present invention, a lease installment guarantee system for supporting installment payment guarantee by providing transaction credit insurance to installment payment claims at the time of a lease installment contract, the installment payment claims set by the installment payment contract A storage unit that associates and stores a total amount of payments, a payment period, and an insurance premium rate of transaction credit insurance given to installment receivables, and an insurance premium of transaction credit insurance corresponding to the remaining amount of the installment claim claims And a processing control unit that calculates a residual bond amount until the due date of the installment claim, and subtracts the payment amount paid on the due date from the calculated residual amount. The lease installment guarantee system characterized in that the remaining amount of the installment receivable is calculated and the insurance premium of the transaction credit insurance is calculated using the remaining amount of the installment receivable as the principal It is provided.

Further, in order to solve such a problem, the present invention provides a lease installment guarantee processing method in a lease installment guarantee system that provides guarantee for installment payment contracts by providing transaction credit insurance to installment receivables at the time of lease installment contracts. The installment guarantee support device stores a total amount of installment payment claims set by an installment payment contract, a payment period, and an insurance premium rate of transaction credit insurance given to the installment claim claims, A process control unit that calculates insurance premiums for transaction credit insurance according to the remaining amount of the installment receivable, and the process control unit calculates a remaining amount until the due date of the installment claim; The process control unit subtracting the payment amount paid on the due date from the calculated residual amount to calculate the residual amount of the installment claim; Management control unit, a principal remaining debt amount of the installment loans, said calculating a premium credit insurance, characterized in that it comprises a method for treating lease installment guarantee is provided.

According to the present invention, a credit of insurance for transaction credit insurance is set for the remaining installment payment at the time of a lease installment contract, and the creditworthiness to financial institutions is reduced while reducing the burden on the user such as lease transactions and installment transactions. Can be improved.

It is a conceptual diagram explaining the lease transaction which concerns on one Embodiment of this invention. It is a chart explaining the rough estimate of installment payment concerning the embodiment. It is a chart explaining the rough estimate of installment payment concerning the embodiment. It is a block diagram which shows the structure of the installment payment guarantee assistance system concerning the embodiment. It is a block diagram which shows the structure of the installment payment guarantee assistance apparatus concerning the embodiment. It is a chart which shows an example of the company information table concerning the embodiment. It is a chart which shows an example of the property examination information table concerning the embodiment. It is a chart which shows an example of the estimate information table concerning the embodiment. It is a chart which shows an example of the contract information table concerning the embodiment. It is a chart which shows an example of the payment information table concerning the embodiment. It is a timing chart which shows the detail of the lease guarantee assistance process concerning the embodiment. It is a flowchart which shows the detail of the calculation process of the lease insurance premium concerning the embodiment. It is a conceptual diagram which shows an example of the estimate concerning the embodiment. It is a conceptual diagram which shows an example of the contract document concerning the embodiment. It is a conceptual diagram which shows an example of the payment status log | history concerning the embodiment.

Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings.

(1) Outline of the present embodiment First, the outline of the present embodiment will be described. In recent years, industries that provide services that enhance each person's life and improve their satisfaction, such as health, learning, healing, and beauty, have become active. Examples of such industries include fitness gyms, sports classes, yoga studio classes, and supplement sales companies as health industries. In addition, the education industry includes various schools and cultural centers such as school cram schools, computer classes, and language classes. Examples of the healing industry include spas, massage, pet-related, animal hospitals, ceremonial services, and restaurants. Examples of the beauty industry include aesthetic dentistry, cosmetic surgery, beauty salon, nail salon, beauty salon and barber shop. Other examples include exhibitions, door-to-door sales, housing contractors, and vehicle contractors.

However, the industries mentioned above tend to be shunned by financial institutions due to the strengthening of regulations such as the Specified Commercial Transactions Law that regulates the provision of services and storeless sales. For this reason, financial services cannot be provided for capital investment in the industry. In addition, the industry can be opened with small capital due to the nature supported by a specific customer, but the human resources and organization are fluid and the industry cannot be stabilized. is the current situation. However, the market size of the industry is increasing year by year, and it is expected to provide financial services widely to the industry in order to revitalize various industries.

Usually, when making capital investment, it is common to procure goods such as machinery through lease transactions or installment transactions. If equipment such as machinery can be procured through lease transactions or installment transactions, the latest machines and equipment can be introduced with only a fixed payment every month, so the funds planned for capital investment can be used as business and operating funds. By doing so, efficient management becomes possible. In particular, since the above-mentioned industries are lacking in asset strength, it is important to reduce capital investment costs when establishing a company.

However, when performing lease transactions and installment transactions, the above industry lacks creditworthiness, so there is a problem that contracts such as leasing companies are not accepted alone and loans from financial institutions cannot be received. Therefore, when these industries make capital investment, it is conceivable that a credit insurance guarantee of a major general insurance company is granted to make it easier to receive financial services.

However, in general, when setting up credit insurance for lease transactions and installment transactions, the insurance premiums to be paid are fixed at the time of contract even though the balance of payments is reduced due to monthly payments. However, there is a problem that the burden on the user increases and the risk of the financial institution performing the loan increases.

Therefore, in this embodiment, it is possible to set insurance premiums for transaction credit insurance for the remaining installment payments at the time of lease installment contracts such as lease transactions and installment transactions. Thereby, it becomes possible to improve the creditworthiness to the financial institution while reducing the burden on the user at the time of the lease installment contract such as the lease transaction or the installment transaction. In the following, services such as lease contracts, rental contracts, installment replacement payment contracts, payment consignment contracts, loan repayment contracts and debt guarantee contracts are referred to as lease installments, and the contracts are collectively referred to as lease installment contracts. The monthly usage fees and repayments are called lease installments.

Next, when explaining the lease installment guarantee system according to the present embodiment, an outline of a lease installment transaction which is a premise will be described with reference to FIG. FIG. 1 is a conceptual diagram illustrating an outline of a lease installment transaction. Hereinafter, lease installment transactions will be mainly described. However, the present invention can also be applied to installment payment receivable transactions, guarantee contract transactions, and the like that pay a fixed amount on a predetermined date multiple times.

As shown in FIG. 1, the lease installment user 200 first negotiates with the property provider 400 about the property desired by the lease installment user 200 and concludes a provision agreement for the property. Then, the lease installment user 200 applies for a lease installment contract for the property to the lease installment company 300 or the specified commercial transaction association 100. The lease installment company 300 includes financial institutions. The Specified Commercial Transaction Association 100 is a lease installment contractor or an association that provides a guarantee service, and uses a lease installment guarantee system 110, which will be described later, to provide transaction credit insurance for lease installment transactions, etc. Provide to installment companies 300.

When the lease installment contract is concluded between the lease installment user 200 and the specified commercial transaction association 100, the property provider 400 delivers the property to the lease installment user 200. On the other hand, between the specified commercial transaction association 100 and the lease installment company, etc. 300, the specified commercial transaction association 100 guarantees the lease installment contract, which is a “sublease rental contract, loan contract or installment contract (hereinafter referred to as sublease contract, etc.)”. ”And the like. The non-life insurance company 500 grants transaction credit insurance to the lease installment contract and provides it to the specified commercial transaction association 100. The specified commercial transaction association 100 then submits to the lease installment company 300 a transaction credit insurance card in which the lease installment company 300 becomes a pledgee or insured person.

Then, when the property price is paid from the lease installment company etc. 300, the ownership or bond of the property is transferred to the lease installment company etc. 300, and the property provider 400 is paid the property price from the specified commercial transaction association 100. As described above, after the sublease contract or the like is performed between the lease installment company 300 and the specified commercial transaction association 100, the lease installment fee is paid from the lease installment user 200 to the specific commercial transaction association 100. The monthly installment fees and repayments (hereinafter referred to as “sublease fees, etc.”) are paid to the lease installment company, etc. 300.

In the present embodiment, when the Specified Commercial Transactions Association 100 uses the lease installment guarantee system 110 to grant a transaction credit insurance to a lease installment transaction etc. and provides it to the lease installment company etc. 300, a lease installment contract Sometimes insurance premiums are calculated using the residual bond method. As mentioned above, an industry that lacks creditworthiness cannot receive financial services with a normal lease installment contract. Therefore, by calculating the insurance premiums for lease installment contracts using the residual bond method at the time of lease installment contracts, ordinary lease installment receivables that cannot be financed as they are, and good lease installment receivables that can be guaranteed by a major nonlife insurance company. Can be.

Normally, when setting up transaction credit insurance for lease installment transactions, the insurance premium is calculated by multiplying the total payment at the time of the contract by the insurance premium rate. However, in the lease installment transaction, the insurance premiums are fixed at the time of the contract even though the balance of payment decreases due to monthly payments. Therefore, in the present embodiment, the insurance premium is calculated by multiplying the remaining amount obtained by subtracting the monthly payment amount from the total payment amount by the insurance premium rate.

The above-mentioned lease installment guarantee system 110 of the specified commercial transaction association 100 includes the total amount of installment receivables set by the installment payment contract of the lease installment contract, the payment period of the installment receivable, and the guarantee given to the installment receivable A fee rate, a guarantee fee rate given to a lease installment user, and the like are stored in association with each other. Then, the lease installment guarantee system 110 calculates the insurance premium of transaction credit insurance according to the remaining amount of the installment receivable. In the following, the premium rate of transaction credit insurance is assumed to be 3% per year, but it is not limited to this example.

Specifically, the lease installment guarantee system 110 calculates the remaining amount of the debt until the due date of the installment receivable, and subtracts the amount of payment paid on the due date from the calculated amount of the remaining debt, thereby the remaining amount of the installment receivable Is calculated. Then, the premium for transaction credit insurance is calculated using the remaining amount of installment receivables as principal.

Here, with reference to FIG. 2A and FIG. 2B, the transaction credit insurance premium corresponding to the lease residual bonds in the present embodiment will be described. In FIG. 2A, the calculation results of the conventional transaction credit insurance and the transaction credit insurance corresponding to the lease residual bonds in the present embodiment are compared. FIG. 2B shows a list of insurance premiums for lease residual bonds for a certain month (target period) for each lease installment user.

Table 11 in FIG. 2A is an example of transaction credit insurance premiums corresponding to lease residual bonds in the case of a 60-month contract. Table 12 is an example of transaction credit insurance premiums corresponding to lease residual bonds for 12-month contracts. In FIG. 2A, the case of a 60-month contract and the case of a 12-month contract are illustrated. However, the present invention is not limited to this example, and the case where an arbitrary contract period such as a 48-month contract or a 36-month contract is also shown below. Transaction credit insurance premiums can be calculated in the same manner as the calculation method.

From Table 11 in Fig. 2A, as a premise of a lease installment contract for a 60-month contract, the property amount of a property is 1,000,000 yen ((1) in the figure), and the monthly lease fee rate ((2) in the figure) Is 1.960%, monthly lease fee ((3) = (1) x (2) in the figure) is 19,600 yen, total payment ((4) = (1) x (2) x number of months in the figure) Is 1,176,000 yen, and the insurance premium rate ((5) in the figure) is 3% per year.

The monthly transaction credit insurance premium is calculated as “End-of-month bonds ((4)-(3)) × Insurance rate 3% ÷ 365 days × number of months”. Therefore, if the total payment is 1,176,000 yen and the monthly lease fee is 19,600 yen, the total insurance premium for the 60-month contract is 88,393 yen, which is 8.84% of the property price. Become. On the other hand, the conventional insurance premium for transaction credit is 3% for the total payment of 1,176,000 yen, so the total insurance premium is 176,400 yen, which is 17.64% of the property price. Become. The transaction credit insurance premium for a 12-month contract can be calculated using the same calculation method. As shown in Table 12, the total insurance premium for this embodiment is 14630 yen, which is 1 of the property price ratio. It is .46%, and the conventional insurance premium is 93,960 yen, which is 9.40% of the property price ratio.

Thus, in this embodiment, the insurance premium for installment payments is calculated by the residual bond method. As a result, the transaction credit insurance premium for lease installment contracts is not based on the total installment payment amount at the time of the lease installment contract, but is based on the residual bond amount obtained by subtracting the monthly payment amount from the total installment payment amount. As a book, insurance premiums for transaction credit insurance can be calculated.

In addition, for monthly margin transaction insurance premiums calculated by the calculation method shown in FIG. 2A, as shown in FIG. 2B, insurance premiums for a certain month (target period) for each lease installment user are calculated on a monthly (target period) basis. By managing, the contract entity of the lease installment contract or the specified commercial transaction association 100 that provides the guarantee service can collectively manage the transaction amount for each month.

In the above description, the sublease method has been described as an example, but the present embodiment is not limited to this example. For example, for a lease installment contract, a method for making a credit transfer agreement between the lease installment company 300 and the specified commercial transaction association 100, or a loan collateral financing contract between the lease installment company 300 and the specified commercial transaction association 100 It can be applied to the calculation processing of insurance premiums for transaction credit insurance when users pay in installments depending on the method used.

In addition, the lease installment company 300 repays the installment contract with the user, and the Specified Commercial Transactions Association 100 undertakes the repayment payment consignment. The present invention can also be applied to the calculation processing of insurance premiums for transaction credit insurance when granting transaction credit insurance.

(2) Configuration of Installment Payment Guarantee Support System Next, the configuration of the installment payment guarantee support system will be described with reference to FIG. As shown in FIG. 3, the installment payment guarantee support system includes a plurality of lease installment guarantee systems 110 of the specified commercial transaction association 100 that are used by the lease installment user 200, the lease installment company, etc. 300, the property provider 400, and the nonlife insurance company 500. Are connected to the information processing apparatus via the network 700.

The plurality of information processing devices used by the lease installment user 200, the lease installment company, etc. 300, the property provider 400, and the non-life insurance company 500 are computer devices (notebook type, desktop type) such as personal computers. It is configured.

Lease installment user 200 transmits data related to application for lease installment transactions in response to user input via information processing device 210 or estimates related to transactions from Specified Commercial Transaction Association 100, lease installment company 300, etc. And receive data on payment plans.

The lease installment company 300 or the like transmits the data related to the application transmitted from the user to the installment guarantee support device 10 of the specified commercial transaction association 100 via the information processing device 310. In addition, information on the transaction credit insurance card assigned to the lease receivable or installment receivable is received from the installment guarantee support device 10.

The property provider 400 concludes a property provision agreement with the lease installment user 200, and then, through the information processing terminal 410, information such as a sublease contract between the Specified Commercial Transactions Association 100 and the lease installment company and the Receive information on payments such as lease payments.

The non-life insurance company 500 receives the contract information and residual bond information of the lease installment contract via the information processing device 510, and transmits information on the transaction credit insurance attached to the lease receivable and the installment receivable to the lease installment guarantee system 110. To do.

The network 700 is a communication network that connects the lease installment guarantee system 110 and a plurality of information processing terminals in a communicable manner. For example, a public network such as the Internet, a telephone network, a satellite communication network, a WAN (Wide Area), and the like. Network), LAN (Local Area Network), private network such as IP-VPN, etc., whether wired or wireless.

(3) Configuration of Installment Payment Guarantee Support Device Next, the configuration of the lease installment guarantee system 110 will be described with reference to FIG. As shown in FIG. 4, the lease installment guarantee system 110 includes a processing control unit 111, an input processing unit 112, an output processing unit 113, a communication control unit 114, a storage unit 120, and the like.

The process control unit 111 includes a CPU (Central Processing Unit) for controlling the operation of the lease installment guarantee system 110. The processing control unit 111 determines the amount of the remaining installment payment such as the lease installment contract and the insurance premium for the remaining amount in accordance with the input from the information processing device 210 of the lease installment user 200 or the input from the input processing unit 112. , Calculating an estimate of installment payments, and issuing a transaction credit insurance card based on information on transaction credit insurance granted by the nonlife insurance company 500. Then, information regarding the lease installment transaction is provided to the output processing unit 113 and the communication control unit 114.

The input processing unit 112 includes a keyboard, a pointing device, and the like, and includes an input control circuit that generates an input signal based on the input and outputs the input signal to the processing control unit 111. The output processing unit 113 includes a display device, a printing device, and the like. The output processing unit 113 displays a display screen on the display device according to the image information supplied from the processing control unit 111, and prints a form, an invoice, a report, and the like. Or output from.

The communication control unit 114 performs communication processing with the information processing devices of the lease installment user 200, the lease installment company 300, and the nonlife insurance company 500.

The storage unit 120 is composed of a ROM or a RAM, and stores a program and calculation parameters used by the processing control unit 111. In addition, the storage unit 120 stores information on lease installment users, information on lease installment contracts, and various types of information necessary for calculating insurance premiums using a residual bond method. For example, the storage unit 120 stores a company information table 121, a property examination information table 122, an estimate information table 123, a contract information table 124, a payment information table 125, and the like. These tables storing various information will be described in detail later with reference to FIGS.

Specific functions of the above-described parts of the lease installment guarantee system 110 will be described. When receiving the lease installment contract application information from the lease installment company 300 via the communication control unit 114, the process control unit 111, as described above, includes the total payment amount, the number of payments, and the split included in the lease installment contract application information. The lease premium for each due date is calculated from the payment amount and the like, and estimate information including property information and payment plan information is generated and stored in the estimate information table 123. The processing control unit 111 creates an estimate based on the estimate information and outputs the estimate via the output processing unit 113. The estimate is provided to the lease installment company 300 and the lease installment user 200.

Then, the processing control unit 111 receives the lease installment user information from the estimate information when the above-mentioned contract such as the sublease contract is established between the lease installment company 300 and the specified commercial transaction association 100. Contract information including information such as property information and lease insurance premiums is generated and stored in the contract information table 124. The process control unit 111 transmits the contract information to the nonlife insurance company 500 via the communication control unit 114.

When the processing control unit 111 receives information on the transaction credit insurance granted by the nonlife insurance company 500 via the communication control unit 114, the transaction control insurance for submitting to the lease installment company etc. 300 via the output processing unit 113. Issue a certificate.

When there is a payment for a property price from the lease installment company 300 or a lease payment from a lease installment user, the processing control unit 111 receives the payment information received via the communication control unit 114 as payment information. Store in table 125. In addition, the lease installment company, etc. 300 calculates the lease residuals based on the payment information and recalculates the lease premiums when the lease payments are paid by the lease installment users. The payment information in the information table 125 is updated.

(4) Various Tables Next, details of the various tables stored in the storage unit 120 will be described with reference to FIGS.

FIG. 5 is a chart showing an example of the company information table 121. The company information table 121 is a table for managing information on companies that use lease installment transactions or installment transactions. As shown in FIG. 5, the company information table 121 includes a company number column 1210, a division column 1211, a corporation / individual column 1212, a company name column 1213, a business content column 1214, an address column 1215, a capital column 1216, and an annual sales column. 1217, employee number column 1218, bank account column 1219, guarantee association system interest rate column 1220, representative column 1221, and imperial DTB column 1222.

The company number column 1210 stores a number for identifying a company that is a lease installment user. The division column 1211 stores company division information, for example, information on whether the company is a dealer or manufacturer. The corporation / individual column 1212 stores information indicating whether the company is a corporation or an individual. The company name column 1213 stores company name information. The business content column 1214 stores information indicating the business content of the company, for example, “esthetic salon”, “restaurant”, and the like.

The address column 1215 stores information indicating the company address. The capital column 1216 stores company capital information. In the annual sales column 1217, information indicating the annual sales of the company is stored. The number of employees column 1218 stores information indicating the number of employees of the company. The transaction bank column 1219 stores information indicating the company's transaction bank.

The guarantee association system interest rate column 1220 stores information indicating the interest rate (guarantee fee rate) of the guarantee fee set by the guarantee association system in the specified commercial transaction association 100 set for each company. This guarantee fee rate is set to a different interest rate depending on the business and credit quality of each company. For example, different interest rates may be set according to the evaluation points set by the Teikoku Data Bank. In this case, a low guarantee fee rate is set by a company with a high evaluation score. Different guarantee fee rates may be set according to payment periods such as lease periods. Further, different guarantee fee rates may be set according to credit lines set by financial institutions.

The representative column 1221 stores information on company representatives. The imperial DTB column 1222 stores information indicating the points set by the imperial data bank for the company.

FIG. 6 is a chart showing an example of the property examination information table 122. The property review information table 122 is a table for managing property review information for lease installment transactions. As shown in FIG. 6, the property review information table 122 includes a property review number column 1230, a property number column 1231, a property name column 1232, a model column 1233, a product number column 1234, a manufacturer column 1235, a subject column 1236, and a country of manufacture column 1237. , A price column 1238, a market price range column 1239, a release date column 1240, and an approval status column 1241.

In the property examination number column 1230, the examination number assigned to the property subject to the lease installment transaction is stored. The property number column 1231 stores a number for identifying the property. The property name column 1232 stores information indicating the property name. The model column 1233 stores information indicating the model of the property. The product number column 1234 stores information indicating the product number of the property. The manufacturer column 1235 stores information indicating the manufacturer of the property. Information indicating the subject of the property is stored in the subject column 1236. The manufacturing country column 1237 stores information indicating the manufacturing country of the property.

The price column 1238 stores information indicating the price of the property. The market price range column 1239 stores information indicating the market price range of the property. The sale date column 1240 stores information indicating the sale date of the property. The approval status column 1241 stores information indicating the approval status of the property. The information indicating the approval state is information indicating whether or not the property is approved as a property of the lease installment transaction, and stores “approved”, “unapproved”, “conditional approval”, and the like.

FIG. 7 is a chart showing an example of the estimate information table 123. The estimate information table 123 is a table for managing estimate information created based on the lease installment transaction application information provided from the lease installment company 300 or the like. As shown in FIG. 7, the estimate information table 123 includes an estimate number column 1250, a customer number column 1251, a customer name column 1252, a property number column 1253, a property name column 1254, a payment period column 1255, a total amount column 1256, an estimated amount. A field 1257, a person in charge field 1258, and an estimated date field 1259 are configured.

In the estimate number column 1250, a number for identifying the created estimate information is stored. The customer number column 1251 stores a number for identifying a customer, for example, the company number in the company information table of FIG. 5 described above. The customer name column 1252 stores information indicating the customer name.

In the property number column 1253, a number for identifying a property is stored and corresponds to the property number in FIG. The property name column 1254 stores information indicating the property name of the lease installment transaction. The payment period column 1255 stores information indicating the payment period for the target property by the customer. The total amount column 1256 stores the total amount of the target property. The estimated amount column 1257 stores the amount of lease fee or installment fee. The person in charge column 1258 stores information indicating the person in charge of the customer. The estimated date column 1259 stores information on the date when the property is estimated.

FIG. 8 is a chart showing an example of the contract information table 124. The contract information table 124 is a table for managing contract information created from the estimate information. As shown in FIG. 8, the contract information table 124 includes a contract number field 1260, a guarantee number field 1261, a classification field 1262, a contract field 1263, a status field 1264, a customer number field 1265, a customer name field 1266, and a property number field 1267. , Property name column 1268, payment period column 1269, payment method column 1270, lease fee installment sales price column 1271, property price column 1272, person in charge column 1273, registration date column 1274, and conclusion date column 1275.

The contract number column 1260 stores information for identifying each contract such as a lease contract and an installment contract. The warranty number column 1261 stores the number of the warranty given to each contract. The section column 1262 stores information indicating the section of each contract, and stores “lease”, “installment”, and the like. The contract destination column 1263 stores information on the contract destination of the lease contract or installment contract. In the status column 1264, information indicating the status of the contract is stored, and “not yet concluded” and information on the number of contracts are stored. The customer number column 1265 stores the number of the customer who is the contract target of the contract. The customer name column 1266 stores the name of the customer. The property number column 1267 stores the number of the property that is the subject of the contract. The property name column 1268 stores the name of the property.

The payment period column 1269 stores information on the payment period of the contract and corresponds to the payment period 1255 in FIG. The payment method column 1270 stores information on the payment method of the contract, and stores “account transfer”, “card”, and the like. The lease fee installment sales price field 1271 stores the fee information of the lease fee or installment sales fee. The property price column 1272 stores information indicating the property price. The person in charge column 1273 stores information indicating the person in charge of the contract. The registration date column 1274 stores information indicating the date on which the contract is registered. The conclusion date column 1275 stores information indicating the date on which the contract is concluded.

FIG. 9 is a chart showing an example of the payment information table 125. The payment information table 125 is a table for managing the payment status of lease transactions and installment transactions. As shown in FIG. 9, the payment information table 125 includes a contract number field 1280, another company contract number field 1281, a guarantee number field 1282, a classification field 1283, a customer number field 1284, a customer name field 1285, a property number field 1286, a property name. A column 1287, a final payment date column 1288, a remaining payment number column 1289, a final payment number column 1290, a next payment date column 1291, a next payment amount column 1292, and a remaining bond column 1293 are configured.

The contract number column 1280 stores information indicating the contract number and corresponds to the contract number in the contract information table 124 of FIG. The other company contract number column 1281 stores information on the contract number of the other company when the customer of the contract contracts with another company. The warranty number field 1282 stores the number of the warranty given to each contract, and corresponds to the warranty number in the contract information table 124 of FIG. Information indicating the classification of each contract is stored in the classification column 1283, and “lease”, “installment”, and the like are stored. The customer number column 1284 stores the number of the customer who is the contract target of the contract. The customer name column 1285 stores the name of the customer.

The property number column 1286 stores the number of the property subject to the contract. The property name column 1287 stores the name of the property. The remaining payment count column 1289 stores information indicating the remaining number of payments. The final payment number column 1290 stores information indicating the number of final payments, that is, how many times the most recent payment was made. The next payment date field 1291 stores information on the next payment date. The next payment amount column 1292 stores information indicating the payment amount to be paid on the next payment date. The remaining bond column 1293 stores information on the current remaining bond amount.

As described above, in this embodiment, the insurance premium is calculated according to the amount of the remaining bonds. That is, when the “next payment amount” is paid on the “next payment date”, the remaining bond 1293 of the payment information table 125 is subtracted by the next payment amount. Then, the insurance premium for the contract is calculated by multiplying the remaining bond from which the payment amount has been subtracted by the insurance premium rate.

(5) Lease Guarantee Support Processing Next, details of the lease guarantee support processing according to the present embodiment will be described with reference to FIG.

As shown in FIG. 10, first, the property provider 400 and the lease installment user 200 negotiate on the property desired by the lease installment user 200 (S101). Then, the lease installment user 200 applies for a lease installment contract for the property to the specified commercial transaction association 100 or its exclusive dealer (S102). The application in step S102 may come from the lease installment company 300 or the like, or may come from the property provider 400 or its agency. The specific trade association 100 and its dealers are collectively referred to as the specific trade association 100.

The Specified Commercial Transaction Association 100 obtains and examines the examination information of the lease installment user 200 (S103), and estimates the total lease installment fee (S104).

In step S <b> 104, the specified commercial transaction association 100 is set for the total payment amount, the number of payments, the installment payment amount, and the lease installment user 200 included in the application information of the lease installment contract transmitted from the lease installment user 200. The lease installment residual amount for each payment date is calculated from the guarantee fee rate. Then, the specified commercial transaction association 100 generates estimate information including property information, payment plan information, and the like, and creates an estimate. The estimate created in step S104 is issued as an estimate 40 shown in FIG. 12, for example.

As shown in FIG. 12, the estimate includes the information stored in the estimate information table 123. For example, the customer name 41, the estimate subject 42, the payment year and installment amount 43, the property name 44, and installment payment Forehead details 45 and the like are included. The estimate 40 may be printed out as an estimate including the information shown in FIG. 12, or may be displayed on a display screen.

Then, the specific commercial transaction association 100 generates contract information including information such as lease installment user information, property information, and lease insurance premiums from the estimate information, and registers the contract information in the contract information table 124 (S105).

In step S105, the dealer of the specified commercial transaction association 100 may output a contract including contract information. FIG. 13 shows an example of the contract 50 output in step S105. The contract 50 includes information stored in the contract information table 124. For example, the contract number 51, the estimate number 52, the sublease destination 53, the estimate category 54, the contract destination 55, the property name 56, the property price 57, The lease period 58, the payment method 59, and the lease fee installment sales price 60 are included. Further, the bank account information 63 and the credit guarantee information 64 may be included based on the input of the lease installment user 200.

Then, the lease installment guarantee system 110 of the specified commercial transaction association 100 transmits the contract information registered in step S105 to the lease installment company 300 and the non-life insurance company 500 or an agent thereof (S106). The non-life insurance company 500 and its agents are collectively referred to as the non-life insurance company 500.

Then, the contract review is performed by the lease installment company 300, and the review result is transmitted to the specified commercial transaction association 100 (S107). Further, the non-life insurance company 500 examines the transaction credit insurance, and the examination result is transmitted to the specified commercial transaction association 100 (S108).

Then, when the contract review in the lease installment company etc. 300 and the transaction credit insurance review in the non-life insurance company 500 are established, a lease installment contract is concluded between the lease installment user 200 and the specified commercial transaction association 100 (S109). The property sales contract is concluded between the person 400 and the specified commercial transaction association 100 (S110).

Then, the property is delivered from the property provider 400 to the lease installment user (S111), and a property receipt is issued from the lease installment user 200 to the specific commercial transaction 100 (S112).

Then, a non-life insurance company 500 gives a transaction credit insurance to the lease installment contract and issues an insurance card (S113).

When the insurance card is selected from the non-life insurance company 500 in step S113, the Specified Commercial Transaction Association 100 submits the lease installment contract to the lease installment company 300 (S114), submits the property receipt (S115), and obtains the insurance card. Submit (S116).

Then, a property sales contract is concluded between the specified commercial transaction association 100 and the lease installment company 300 (S117), a debt guarantee contract is concluded (S118), and a sublease contract is concluded (S119).

Then, the property price is paid to the specified commercial transaction association 100 from the lease installment company 300 (S120). The property price is paid to the property provider 400 from the specified commercial transaction association 100 (S121).

Then, on the due date, the lease installment usage 200 pays the lease installment fee to the specified commercial transaction association 100 (S122), and the specified commercial transaction association 100 pays the sublease fee etc. to the lease installment company 300 (S123).

In step S123, the specified commercial transaction association 100 may output the payment status history 60 including the payment status of the lease installment user. FIG. 14 shows an example of the payment status history 60 output in step S123. The payment status history 60 includes information indicating the payment status based on the information stored in the various tables and the information on the lease installment paid from the lease installment user in step S122. As illustrated in FIG. 14, the payment status history 60 includes, for example, a contract number 71, an estimate number 72, a customer name 73, a customer address 74, an estimate classification 75, a contract destination 76, a property name 77, a property price 78, and a payment period. 79, payment method 80, lease payment / installment sales price 81, advance payment / down payment 82, advance deposit 83, payment history detailed information 84, and the like.

Here, with reference to FIG. 11, the details of the lease residual amount calculation process in the case of a lease contract calculated by the process control unit 111 of the lease installment guarantee system 110 of the specified commercial transaction association 100 will be described. As shown in FIG. 11, the lease installment guarantee system 110 acquires application information from the lease installment user 200 (S201).

Then, based on the application information acquired in step S201, the processing control unit 111 of the lease installment guarantee system 110 determines the total payment of the lease contract, a predetermined installment fee, and the guarantee set for the lease installment user 200. The installment payment amount for each payment date is calculated by adding the rate and the like (S202).

Then, the process control unit 111 of the lease installment guarantee system 110 calculates the total amount of installment payments calculated in step S202 as the remaining amount of lease payments (S203). In the present embodiment, as described above, lease insurance premiums are calculated by multiplying the residual bond amount by the insurance premium rate using the residual bond amount as the principal of the insurance premium. Specifically, the lease premium is calculated by the following equation (1).

Lease insurance premiums = amount of residual bonds (total of installment payments) x insurance premium rate (1)

In the present embodiment, as described above, the insurance premium rate is uniformly set as “3%” in advance and stored in the storage unit 120, but is not limited to this example. For example, the insurance premium rate may be changed under the instruction of the nonlife insurance company 500, or may be changed depending on the property to be sold or the type of business.

When the lease payment is paid by the lease installment user (S204), the processing control unit 111 of the lease installment guarantee system 110 recalculates the lease residual amount (S205).

Then, the process control unit 111 of the lease installment guarantee system 110 determines whether the lease residual amount calculated in step S205 has changed (S206). If it is determined in step S206 that the lease residual amount has changed, the processing control unit 111 of the lease installment guarantee system 110 changes the lease residual amount, and multiplies the changed lease residual amount by the insurance rate. The lease insurance premium is calculated (S207). Specifically, the lease premium is recalculated by the following formula (2).

Lease insurance premium = (residual bond amount-payment amount) x insurance premium rate (2)

In step S203, the lease residual amount for each payment date is calculated as a simulation result. If the simulation result does not change, the recalculation process in step S205 may be omitted. For example, in step S203, as shown in Table 13 of FIG. 2, the remaining bond amount and the lease premium for the number of payments may be output as a simulation result.

Returning to FIG. 10, the Specified Commercial Transactions Association 100 subtracts the lease installment fee paid in step S122 from the lease residual amount, calculates the lease installment residual bond (S124), and gives the nonlife insurance company 500 an insurance premium. Pay (S125).

The non-life insurance company 500 pays insurance money to the specified commercial transaction association 100 or the lease installment company 300 when the lease installment user 200 goes bankrupt or a non-payment occurs (S126).

(6) Effects of the present embodiment According to the above embodiment, the lease installment guarantee system 110 is configured so that the total amount of installment receivables set by the installment contract, the payment period, and the transactions granted to the installment receivables The insurance premium rate of the credit insurance is associated and stored in the storage unit 120, and the processing control unit 111 calculates the amount of the remaining bond until the due date of the installment receivable, and the payment paid on the due date from the calculated remaining amount Subtract the amount to calculate the remaining amount of installment receivables, and calculate the insurance premium for transaction credit insurance using the remaining amount of installment receivables as principal.

As a result, the premium of transaction credit insurance for lease installment contracts is not the sum of installment payments at the time of contracts such as lease installment contracts and installment contracts, but the monthly payments are subtracted from the total installment payments. Insurance premiums for transaction credit insurance can be calculated using the bond amount as principal, and the creditworthiness of financial institutions can be improved while reducing the burden on users of lease installment transactions.

100 Specified Commercial Transaction Association 110 Lease Installment Guarantee System 111 Processing Control Unit 112 Input Processing Unit 113 Output Processing Unit 114 Communication Control Unit 120 Storage Unit 121 Company Information Table 122 Property Review Information Table 123 Estimate Information Table 124 Contract Information Table 125 Payment Information Table 200 Lease installment user 210 Information processing device 300 Lease installment company 400 Property provider 500 Non-life insurance company 700 Network

Claims

Installment payment guarantee support device that supports the guarantee of installment payment contracts by attaching transaction credit insurance to installment payment claims at the time of lease installment contract,
A storage unit that stores the total amount of installment receivables set by the installment contract, the payment period, and the insurance rate of transaction credit insurance given to the installment receivables in association with each other;
A processing control unit for calculating insurance premiums for transaction credit insurance in accordance with the remaining amount of the installment receivable,
With
The processing control unit
Calculate the remaining bond amount until the due date of the installment claim,
Subtracting the amount of payment paid on the due date from the calculated amount of remaining bonds to calculate the amount of remaining bonds of the installment claim,
The lease installment guarantee system, wherein the premium of the transaction credit insurance is calculated using the residual amount of the installment receivable as principal.
The processing control unit
2. The lease installment guarantee system according to claim 1, wherein an insurance premium of the transaction credit insurance is calculated by multiplying a residual bond amount of the installment receivable by an insurance premium rate of the transaction credit insurance.
The processing control unit
Subtract the payment amount on the due date of the installment claim from the remaining amount of the installment claim until the due date, and multiply the subtracted amount by the premium rate of the transaction credit insurance to calculate the premium for the transaction credit insurance The lease installment guarantee system according to claim 2, wherein:
In the storage unit,
The contractor of the installment claim and the guarantee fee rate for calculating the remaining amount of the installment claim set for the contractor are stored in association with each other. The lease installment guarantee system described.
The lease installment guarantee system according to claim 1, wherein the installment receivable is a lease receivable, a rental receivable, an installment installment receivable, a payment consignment receivable or a debt guarantee receivable.
The processing control unit
According to the payment period of the installment receivables, calculate the amount of residual bonds for each payment date,
By subtracting the amount of payment to be paid for each due date from the calculated amount of remaining bonds, to calculate the amount of remaining bonds for each due date of the installment claim,
2. The lease installment guarantee system according to claim 1, wherein an insurance premium of transaction credit insurance for each payment date is calculated based on a residual amount of the installment claim for each payment date.
In the storage unit, the payment date and the amount of the remaining bond for each payment date are stored in association with each other,
6. The processing unit according to claim 5, wherein the processing unit calculates the insurance premium of the transaction credit insurance for each payment date by multiplying the amount of the remaining bond for each payment date by the insurance premium rate of the transaction credit insurance. The lease installment guarantee system described.
The processing control unit
When the payment amount to be paid for each payment date has been changed, recalculate the remaining bond amount for each payment date of the installment claim,
7. The lease installment guarantee system according to claim 6, wherein transaction credit insurance premiums for each payment date are recalculated based on a residual amount of each payment date of the recalculated installment receivable. .
Installment payment guarantee support method in an installment guarantee support device that supports guarantee of installment payment contract by giving transaction credit insurance to installment payment claims at the time of lease installment contract,
The installment payment guarantee support device stores a storage unit that associates and stores a total amount of installment payment claims set by an installment payment contract, a payment period, and an insurance premium rate of transaction credit insurance given to the installment payment claims, A processing control unit that calculates insurance premiums for transaction credit insurance in accordance with the amount of the remaining installment receivables,
The process control unit calculating a residual bond amount until the due date of the installment claim;
The process control unit subtracting the payment amount paid on the due date from the calculated residual amount to calculate the residual amount of the installment claim;
The process control unit calculates the premium of the transaction credit insurance based on the residual amount of the installment receivable as principal,
A method for processing a lease installment guarantee.
The processing control unit includes a step of calculating an insurance premium of the transaction credit insurance by multiplying a residual amount of the installment receivable by an insurance premium rate of the transaction credit insurance. Processing method of lease installment guarantee system.
The processing control unit subtracts the payment amount on the due date of the installment claim from the remaining amount of the installment claim until the due date, and multiplies the subtracted amount by the insurance rate of the transaction credit insurance, The method for processing a lease installment guarantee according to claim 10, further comprising: calculating a premium for the lease.
In the storage unit,
The contractor of the installment claim and the guarantee fee rate for calculating the remaining amount of the installment claim set for the contractor are stored in association with each other. Processing method of lease installment guarantee described.
The method of processing lease installment guarantee according to claim 9, wherein the installment receivable is a lease receivable rental receivable, an installment receivable receivable, a payment consignment receivable or a debt guarantee receivable.
The process control unit calculates a residual bond amount for each payment date according to a payment period of the installment receivable,
The process control unit subtracts the payment amount to be paid for each payment date from the calculated residual amount, and calculates the residual amount for each payment date of the installment claim.
The process control unit calculates the premium of transaction credit insurance for each payment date based on the residual amount for each payment date of the installment claim,
The lease installment guarantee processing method according to claim 9, comprising:
In the storage unit, the payment date and the amount of the remaining bond for each payment date are stored in association with each other,
The processing unit multiplies the residual amount for each payment date by the insurance rate of the transaction credit insurance;
The processing unit calculating a premium of transaction credit insurance for each payment date;
The lease installment guarantee processing method according to claim 9, comprising:
The process control unit, when the payment amount to be paid for each payment due date has been changed, to recalculate the residual bond amount for each payment due date of the installment claim,
The process control unit recalculates a transaction credit insurance premium for each payment date based on a residual amount for each payment date of the installment claim,
The lease installment guarantee processing method according to claim 15, further comprising: