Lending asset management apparatus, lending asset management method, and lending asset management program

Abstract

To provide a lending asset management apparatus, a lending asset management method, and a lending asset management program which can carry out accounting processing required upon asset loss when, in a lease business, a large number of assets of the same kind are treated as a group of assets.SOLUTION: A method according to the present invention has a step of acquiring, if loss of lease asset occurs, based on an exchange rate master, cancellation data set in association with the cancellation date of the lease asset, lost asset acquisition amount thereof, cancellation currency, and a rate upon cancellation, a step of setting uncollected cancellation amount on each collection money remittance date after the cancellation date based on the lost asset acquisition amount, a step of updating balance specification data with setting an amount obtained by subtracting the uncollected cancellation amount from a scheduled collection amount set in the balance specification data as a new scheduled collection amount, and a step of setting, to the balance specification data, an uncollected cancellation amount collection schedule set in association with the cancellation rate upon cancellation, the collection money remittance date after the cancellation date, and the uncollected cancellation amount.SELECTED DRAWING: Figure 2

Description

Technical Field

[0001] The present invention relates to a lending asset management device, a lending asset management method, and a lending asset management program.

Background Art

[0002] Patent Document 1 discloses a configuration for managing the circulation volume, inventory, and loss quantity of rental items, realizing the collection management of rental fees, and the loss compensation fee management of rental items in the lease business of rental items.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, in the invention described in Patent Document 1, when there is a loss of assets due to loss or theft of assets, etc., there is a problem that the amount corresponding to the loss cannot be separated from the original lease schedule and managed as a cancellation.

[0005] The present invention has been made in view of the above problems, and an object of the present invention is to provide a lending asset management device, a lending asset management method, and a lending asset management program capable of performing accounting processing at the time of asset loss when managing a large number of assets of the same type as a group of assets in a lease business.

Means for Solving the Problems

[0006] In order to solve the above-described problems and achieve the object, a lending asset management device according to the present invention is a lending asset management device including a storage unit and a control unit, wherein the storage unit stores deposit and withdrawal detail data in which a lease fee collection schedule in which a lease asset's recovery payment scheduled date and the scheduled recovery amount are associated and set, and asset management storage means for storing an exchange rate master in which a currency, an exchange rate, and an application period are associated and set. The control unit, when the loss of the lease asset occurs, is a cancellation acquisition means for acquiring cancellation data in which a cancellation date of the lease asset, an acquisition price of the lost asset, a currency at the time of cancellation, and a rate at the time of cancellation are associated and set based on the exchange rate master; and based on the cancellation data, sets an outstanding cancellation amount for each recovery payment scheduled date after the cancellation date from the acquisition price of the lost asset, and updates the deposit and withdrawal detail data with the amount obtained by subtracting the outstanding cancellation amount from the scheduled recovery amount set in the deposit and withdrawal detail data as a new scheduled recovery amount after the cancellation date, and an outstanding cancellation amount collection schedule in which the rate at the time of cancellation, the recovery payment scheduled date after the cancellation date, and the outstanding cancellation amount are associated and set is set in the deposit and withdrawal detail data, characterized by comprising outstanding cancellation amount setting means.

[0007] Further, in the lending asset management device according to the present invention, when the fee collection corresponding to the recovery payment scheduled date is made, the control unit further includes recovery setting means for additionally setting a recovery actual date, an outstanding cancellation amount recovery actual amount, and a deposit rate in the outstanding cancellation amount collection schedule in which the recovery payment scheduled date is set, based on the exchange rate master.

[0008] Further, in the lending asset management device according to the present invention, the recovery setting means further additionally sets the recovery actual date, the lease fee recovery actual amount, and the deposit rate in the lease fee collection schedule in which the recovery payment scheduled date is set, based on the exchange rate master, when the fee collection corresponding to the recovery payment scheduled date is made.

[0009] In the lending asset management device according to the present invention, the asset management storage means further stores a journal definition master in which account items for the details of deposits and withdrawals are set, and the control unit calculates a total converted amount obtained by converting the total amount of the outstanding cancellation amount on the cancellation date based on the journal definition master and the deposit / withdrawal detail data, and further includes cancellation journal creation means for creating cancellation journal data in which the total converted amount is set.

[0010] In the lending asset management device according to the present invention, the control unit calculates an outstanding converted amount obtained by converting the outstanding cancellation amount on the cancellation date and an actual performance converted amount obtained by converting the actual performance amount of the outstanding cancellation amount recovery on the recovery actual performance date based on the journal definition master and the deposit / withdrawal detail data, calculates the exchange difference profit and loss between the outstanding converted amount and the actual performance converted amount, and further includes actual performance journal creation means for creating outstanding journal data in which the actual performance converted amount and the outstanding converted amount are set.

[0011] In the lending asset management device according to the present invention, the control unit further includes lease fee journal creation means for creating lease fee journal data in which the actual performance amount of the lease fee recovery is set based on the journal definition master and the deposit / withdrawal detail data.

[0012] In the lending asset management device according to the present invention, the control unit further includes outstanding cancellation amount output means for calculating the outstanding cancellation amount balance for each recovery actual performance date based on the deposit / withdrawal detail data and displaying the actual performance amount of the outstanding cancellation amount recovery and the outstanding cancellation amount balance for each recovery actual performance date.

[0013] In the lending asset management device according to the present invention, the outstanding cancellation amount output means further calculates an outstanding cancellation amount recovery converted amount obtained by converting the actual performance amount of the outstanding cancellation amount recovery for each recovery actual performance date and an outstanding cancellation amount converted balance obtained by converting the outstanding cancellation amount balance for each recovery actual performance date based on the deposit / withdrawal detail data, and displays the outstanding cancellation amount recovery converted amount and the outstanding cancellation amount converted balance for each recovery actual performance date.

[0014] In addition, in the lending asset management device according to the present invention, the lease asset is characterized by being a container, a pallet, or a cage truck.

[0015] The lending asset management method according to the present invention is a lending asset management method for causing a lending asset management device including a storage unit and a control unit to execute. The storage unit stores deposit and withdrawal detail data in which a lease fee collection schedule in which a lease asset's collection payment scheduled date and a scheduled collection amount are associated and set, and asset management storage means for storing an exchange rate master in which a currency, an exchange rate, and an application period are associated and set. When the loss of the lease asset occurs, which is executed in the control unit, a cancellation acquisition step of acquiring cancellation data in which the cancellation date of the lease asset, the acquisition price of the lost asset, the currency at the time of cancellation, and the rate at the time of cancellation are associated and set based on the exchange rate master; and a non-collected cancellation amount setting step of setting, based on the cancellation data, a non-collected cancellation amount for each collection payment scheduled date after the cancellation date from the acquisition price of the lost asset, and updating the deposit and withdrawal detail data with an amount obtained by subtracting the non-collected cancellation amount from the scheduled collection amount set in the deposit and withdrawal detail data as a new scheduled collection amount after the cancellation date, and setting a non-collected cancellation amount collection schedule in which the exchange rate at the time of cancellation, the collection payment scheduled date after the cancellation date, and the non-collected cancellation amount are associated and set in the deposit and withdrawal detail data.

[0016] Furthermore, a lending asset management program according to the present invention is a lending asset management program for causing a lending asset management apparatus including a storage unit and a control unit to execute. The storage unit stores asset management storage means for storing deposit and withdrawal details data in which a lease fee collection schedule in which a lease asset's scheduled collection payment date and scheduled collection amount are associated and set, and a foreign exchange rate master in which a currency, an exchange rate, and an application period are associated and set. In the control unit, when the loss of the lease asset occurs, a cancellation acquisition step of acquiring cancellation data in which a cancellation date of the lease asset, an acquisition price of the lost asset, a currency at the time of cancellation, and a rate at the time of cancellation are associated and set based on the foreign exchange rate master, and based on the cancellation data, setting an outstanding cancellation amount for each scheduled collection payment date after the cancellation date from the acquisition price of the lost asset, and subtracting the outstanding cancellation amount from the scheduled collection amount set in the deposit and withdrawal details data to obtain a new scheduled collection amount after the cancellation date, updating the deposit and withdrawal details data, and setting an outstanding cancellation amount collection schedule in which the exchange rate at the time of cancellation, the scheduled collection payment date after the cancellation date, and the outstanding cancellation amount are associated and set in the deposit and withdrawal details data, which is characterized by causing the steps to be executed.

Effect of the Invention

[0017] According to the present invention, in the Japanese operating lease (JOLCO) business of a leasing company, when managing a large number of assets of the same type, such as containers, as a group of assets, it is possible to perform accounting processing in the event of asset loss. Further, according to the present invention, when there is an asset loss due to loss or theft of assets every period, the amount equivalent to the loss can be treated as a cancellation and managed separately from the original lease schedule. Further, according to the present invention, for each cancellation schedule, the respective cancellation date rate is held, the unbilled cancellation amount at the time of cancellation is recorded, and the unbilled cancellation amount at the time of receipt is converted into yen at an appropriate rate to automatically create journal entries. Further, according to the present invention, even in the case of multiple losses, it is possible to eliminate the complexity of capturing and managing the remaining amount of liquidated damages stipulated for each cancellation date. Further, according to the present invention, for losses occurring every period, the unbilled cancellation amounts for each cancellation date are collectively recorded, and the recovery journal entry of the unbilled cancellation amount on the receipt date is automatically recorded at an appropriate conversion rate. Further, according to the present invention, by holding the TTM (Telegraphic Transfer Middle) rate of the cancellation date in the schedule of unbilled cancellation amounts, it is possible to grasp the correct yen conversion balance of the unbilled cancellation amount for each cancellation date. Further, according to the present invention, by holding the respective cancellation date rates for each cancellation schedule, it is possible to summarize the unbilled cancellation amount at the time of cancellation and automatically create journal entries. Further, according to the present invention, it is possible to correctly grasp the yen conversion balance of the unbilled cancellation amount for each cancellation date.

Brief Description of the Drawings

[0018]

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Mode for Carrying Out the Invention

[0019] Embodiments of the present invention will be described in detail with reference to the drawings. It should be noted that the present invention is not limited by these embodiments.

[0020] [1. Overview] First, referring to FIG. 1, the overview of the present invention will be described. FIG. 1 is a diagram showing an example of the collection schedule in this embodiment.

[0021] Conventionally, in the lease business of leasing companies, regarding the accounting treatment when managing a large number of assets of the same type, such as containers, as a group of assets, in the case of foreign currency leases, for the uncollected cancellation fees that are lump-sum accounted for on the cancellation date, yen conversion is performed at the TTM rate on the cancellation date, and when the uncollected cancellation fees are recovered, yen conversion is performed at the TTM rate at the time of receipt, and it is necessary to create a journal entry to handle the difference as exchange gain or loss. However, since cancellation processes accompanied by losses due to asset loss, theft, etc. occur every period, the management of the cancellation schedule and the yen conversion process of the journal entry have been extremely complicated.

[0022] Therefore, in the present embodiment, when losses occur every period, the cancellation schedule increases, and it is necessary to manage different conversion rates for each cancellation date. By holding the respective cancellation date rates for each cancellation schedule, a mechanism is provided to eliminate the complexity of accounting for uncollected cancellation fees at the time of cancellation and yen conversion at the time of recovery of uncollected cancellation fees at the time of receipt. That is, in the present embodiment, regarding the accounting for uncollected cancellation fees at the time of cancellation, by summarizing the cancellation schedules on the same cancellation date and performing accounting for uncollected cancellation fees based on the total amount, the complexity of the journal entry is eliminated (the occurrence of a large number of journal entries is suppressed).

[0023] For example, FIG. 1 shows the recovery schedule in the present embodiment, with the vertical axis: schedule, and the horizontal axis: the lease fee recovery amount per period and uncollected cancellation fees. Here, as shown in FIG. 1, the lease fee recovery plan and the uncollected cancellation fee recovery schedule for which the recovery date has arrived are grayed out.

[0024] [2. Configuration] An example of the configuration of the lending asset management device 100 according to the present embodiment will be described with reference to FIG. 2. FIG. 2 is a block diagram showing an example of the configuration of the lending asset management device 100 in the present embodiment.

[0025] As shown in FIG. 2, the lending asset management device 100 is a commercially available desktop personal computer. Note that the lending asset management device 100 is not limited to a stationary information processing device such as a desktop personal computer, and may be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), smartphone, or tablet personal computer.

[0026] The lending asset management device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each unit included in the lending asset management device 100 is communicably connected via an arbitrary communication path.

[0027] The communication interface unit 104 communicably connects the lending asset management device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via a communication line. Here, the network 300 has a function of communicably connecting the lending asset management device 100 and the server 200 to each other, and is, for example, the Internet or a LAN (Local Area Network).

[0028] An input device 112 and an output device 114 are connected to the input / output interface unit 108. As the output device 114, in addition to a monitor (including a touch panel), a speaker or a printer can be used. As the input device 112, in addition to a keyboard, a mouse, and a microphone, a monitor that cooperates with the mouse to realize a pointing device function can be used. In the following, the output device 114 may be described as the monitor 114 or the printer 114, and the input device 112 may be described as the keyboard 112 or the mouse 112.

[0029] The storage unit 106 stores various databases, tables, files, and the like. In the storage unit 106, a computer program for giving instructions to the CPU (Central Processing Unit) in cooperation with the OS (Operating System) to perform various processes is recorded. As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, or the like can be used. The storage unit 106 includes an asset management database 106a.

[0030] The asset management database 106a stores asset management data of leased assets. Here, the asset management database 106a may store deposit and withdrawal details data in which a lease fee collection schedule in which the scheduled collection date and the scheduled collection amount of the leased asset are associated is set, and a foreign exchange rate master in which a currency, an exchange rate, and an application period are associated and set. Further, the asset management database 106a may store a journal definition master in which accounting items for the deposit and withdrawal details are set. Further, the leased asset may be a container, a pallet, or a cargo vehicle. Further, the asset management database 106a may store a deposit and withdrawal processing target master in which the classification of the processing content is set for each deposit and withdrawal code, and a property master in which a leased asset (property) is set. Further, the asset management database 106a may store cancellation data and journal data. Note that the foreign exchange rate master may be imported from a file or registered on a screen. Further, the property master may be registered at the time of purchasing a leased asset.

[0031] The control unit 102 is a CPU or the like that comprehensively controls the lending asset management device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs defining various processing procedures, and required data, and executes various information processes based on these stored programs. Conceptually in terms of functions, the control unit 102 includes a detail registration unit 102a, a cancellation acquisition unit 102b, an outstanding cancellation amount setting unit 102c, a collection setting unit 102d, a journal creation unit 102e, and a cancellation amount output unit 102f.

[0032] The detail registration unit 102a registers deposit / withdrawal detail data. Here, when registration data is set on the deposit / withdrawal registration screen, the detail registration unit 102a may register the deposit / withdrawal detail data in the asset management database 106a.

[0033] The cancellation acquisition unit 102b acquires cancellation data of lease assets. Here, when the loss of a lease asset occurs, the cancellation acquisition unit 102b may acquire cancellation data in which the cancellation date, acquisition price of the lost asset, currency at the time of cancellation, and rate at the time of cancellation of the lease asset are associated and set based on the exchange rate master.

[0034] The outstanding cancellation amount setting unit 102c sets the outstanding cancellation amount for each scheduled collection date, and sets an outstanding cancellation amount collection schedule with the outstanding cancellation amount set in the deposit / withdrawal detail data. Here, based on the cancellation data, the outstanding cancellation amount setting unit 102c sets the outstanding cancellation amount for each scheduled collection date after the cancellation date from the acquisition price of the lost asset, updates the deposit / withdrawal detail data with the amount obtained by subtracting the outstanding cancellation amount from the scheduled collection amount set in the deposit / withdrawal detail data as the new scheduled collection amount after the cancellation date, and may set the exchange rate at the time of cancellation, the scheduled collection date after the cancellation date, and the outstanding cancellation amount collection schedule with the outstanding cancellation amount associated and set in the deposit / withdrawal detail data.

[0035] The recovery setting unit 102d adds the uncollected liquidated damages recovery results to the uncollected liquidated damages recovery schedule. Here, when the fee recovery corresponding to the scheduled collection date is completed, the recovery setting unit 102d may, based on the exchange rate master, add the recovery actual date, the uncollected liquidated damages recovery actual amount, and the exchange rate at the time of deposit to the uncollected liquidated damages recovery schedule for which the scheduled collection date is set. In addition, when the fee recovery corresponding to the scheduled collection date is completed, the recovery setting unit 102d may, based on the exchange rate master, add the recovery actual date, the lease fee recovery actual amount, and the exchange rate at the time of deposit to the lease fee recovery schedule for which the scheduled collection date is set.

[0036] The journal entry creation unit 102e creates journal entry data. Here, the journal entry creation unit 102e may calculate the converted total amount obtained by converting the total of the uncollected liquidated damages amount on the cancellation date based on the journal entry definition master and the deposit / withdrawal detail data, and create cancellation journal entry data with the converted total amount set. In addition, the journal entry creation unit 102e may calculate the unconverted amount obtained by converting the uncollected liquidated damages amount on the cancellation date and the converted actual amount obtained by converting the uncollected liquidated damages recovery actual amount on the recovery actual date based on the journal entry definition master and the deposit / withdrawal detail data, calculate the exchange gain or loss between the unconverted amount and the converted actual amount, and create uncollected journal entry data with the converted actual amount and the unconverted amount set. In addition, the journal entry creation unit 102e may create lease fee journal entry data with the lease fee recovery actual amount set based on the journal entry definition master and the deposit / withdrawal detail data.

[0037] The cancellation fee output unit 102f displays the amount of uncollected cancellation fees recovered for each collection actual date. Here, the cancellation fee output unit 102f may calculate the balance of uncollected cancellation fees for each collection actual date based on the deposit and withdrawal detail data, and display the amount of uncollected cancellation fees recovered and the balance of uncollected cancellation fees for each collection actual date. Further, the cancellation fee output unit 102f may calculate the converted amount of uncollected cancellation fees recovered by converting the amount of uncollected cancellation fees recovered for each collection actual date, and the converted balance of uncollected cancellation fees by converting the balance of uncollected cancellation fees, based on the deposit and withdrawal detail data, and display the converted amount of uncollected cancellation fees recovered and the converted balance of uncollected cancellation fees for each collection actual date. Additionally, the cancellation fee output unit 102f may output the amount of uncollected cancellation fees recovered and the balance of uncollected cancellation fees for each collection actual date to a file as data.

[0038] [3. Specific Example] A specific example of this embodiment will be described with reference to FIGS. 3 to 15.

[0039] [Lending Asset Management Process] Here, with reference to FIG. 3, an example of the lending asset management process in this embodiment will be described. FIG. 3 is a flowchart showing an example of the process of the lending asset management apparatus 100 in this embodiment.

[0040] As shown in FIG. 3, when a lease contract for a leased asset is concluded and registration data is set on the deposit and withdrawal registration screen by the user via the input device 112, the detail registration unit 102a registers the deposit and withdrawal detail data in which a lease fee collection schedule in which the case number, settlement currency, collection deposit scheduled date, and scheduled collection amount of the leased asset are associated and set in the asset management database 106a (step SA-1).

[0041] Then, the cancellation acquisition unit 102b determines whether the cancellation date of the leased asset and the acquisition price of the lost asset have been registered by the user via the input device 112 due to the occurrence of the loss of the leased asset (step SA-2).

[0042] If the cancellation acquisition unit 102b determines that the cancellation date of the leased asset and the acquisition price of the lost asset are not registered (step SA-2: No), the process proceeds to step SA-5.

[0043] On the other hand, if the cancellation acquisition unit 102b determines that the cancellation date of the leased asset and the acquisition price of the lost asset are registered (step SA-2: Yes), the process proceeds to step SA-3.

[0044] Then, the cancellation acquisition unit 102b acquires cancellation data in which the cancellation date of the leased asset, the acquisition price of the lost asset, the currency at the time of cancellation, and the exchange rate at the time of cancellation are associated and set based on the exchange rate master (step SA-3).

[0045] Then, the outstanding cancellation amount setting unit 102c sets the outstanding cancellation amount for each scheduled collection date after the cancellation date from the acquisition price of the lost asset based on the cancellation data, and updates the deposit and withdrawal details data with the amount obtained by subtracting the outstanding cancellation amount from the scheduled collection amount set in the deposit and withdrawal details data as the new scheduled collection amount after the cancellation date, and sets the outstanding cancellation amount collection schedule in which the exchange rate at the time of cancellation, the scheduled collection date after the cancellation date, and the outstanding cancellation amount are associated in the deposit and withdrawal details data (step SA-4).

[0046] Then, the collection setting unit 102d determines whether the lease fee collection corresponding to the scheduled collection date has been made and whether the actual lease fee collection amount and / or the actual outstanding cancellation amount collection amount of the leased asset have been registered on the deposit and withdrawal registration screen via the input device 112 by the user (step SA-5).

[0047] If the collection setting unit 102d determines that the actual lease fee collection amount and / or the actual outstanding cancellation amount collection amount of the leased asset are not registered (step SA-5: No), the process proceeds to step SA-2.

[0048] On the other hand, when the recovery setting unit 102d determines that the actual lease fee collection amount and / or the actual uncollected cancellation fee collection amount of the leased asset has been registered (step SA-5: Yes), it causes the process to proceed to step SA-6.

[0049] Then, when the actual lease fee collection amount is registered based on the exchange rate master, the recovery setting unit 102d additionally sets the recovery actual date, the actual lease fee collection amount, and the exchange rate at the time of deposit in the lease fee collection schedule for which the scheduled recovery date has been set. When the actual uncollected cancellation fee collection amount is registered, the recovery actual date, the actual uncollected cancellation fee collection amount, and the exchange rate at the time of deposit are additionally set in the uncollected cancellation fee collection schedule for which the scheduled recovery date has been set (step SA-6).

[0050] Then, when the actual uncollected cancellation fee collection amount is registered, the cancellation fee output unit 102f calculates the remaining uncollected cancellation fee for each recovery actual date based on the deposit and withdrawal detail data, and calculates the converted uncollected cancellation fee collection amount obtained by converting the actual uncollected cancellation fee collection amount for each recovery actual date and the converted remaining uncollected cancellation fee obtained by converting the remaining uncollected cancellation fee, and causes the output device 114 to display the actual uncollected cancellation fee collection amount, the remaining uncollected cancellation fee, the converted uncollected cancellation fee collection amount, and the converted remaining uncollected cancellation fee for each recovery actual date (step SA-7).

[0051] Then, the recovery setting unit 102d determines whether the fee collection of the leased asset has been completed based on the deposit and withdrawal detail data (step SA-8).

[0052] When the recovery setting unit 102d determines that the fee collection of the leased asset has not been completed (step SA-8: No), it causes the process to proceed to step SA-2.

[0053] On the other hand, when the recovery setting unit 102d determines that the fee collection of the leased asset has been completed (step SA-8: Yes), it causes the process to proceed to step SA-9.

[0054] Then, when the uncollected cancellation amount recovery actual amount is registered based on the journal entry definition master and the deposit / withdrawal details data, the journal entry creation unit 102e calculates the total converted amount obtained by converting the total uncollected cancellation amount on the cancellation date, creates cancellation journal entry data with the total converted amount set, calculates the unconverted amount obtained by converting the uncollected cancellation amount on the cancellation date and the actual converted amount obtained by converting the uncollected cancellation amount recovery actual amount on the recovery actual date, calculates the exchange rate gain or loss between the unconverted amount and the actual converted amount, creates uncollected journal entry data with the actual converted amount and the unconverted amount set, and when the lease fee recovery actual amount is registered, creates lease fee journal entry data with the lease fee recovery actual amount set (step SA-9), and ends the process.

[0055] Here, with reference to FIGS. 4 to 15, an example of the lending asset management process in the present embodiment will be described. FIGS. 4 to 14 are diagrams showing an example of the lending asset management process in the present embodiment. FIG. 15 is a diagram showing an example of output items in the present embodiment.

[0056] As shown in FIG. 4, in the present embodiment, when the asset acquisition price is 1,000 yen, the number of containers is 1,000, the useful life is 10 years, and a lease contract is concluded using the 200% declining balance method, registration data (scheduled details data) is set on the deposit / withdrawal registration screen. Then, as shown in FIG. 5, in the present embodiment, the deposit / withdrawal details data is registered. Here, as shown in FIG. 5, in the present embodiment, the settlement date is referred to, and the deposit rate is set from the exchange rate master.

[0057] Then, as shown in FIGS. 6 and 7, in the present embodiment, when 100 out of 1,000 container assets are lost on September 1, 2023, the uncollected cancellation amount recovery schedule at the time of (initial) loss occurrence is separated from the lease fee recovery schedule on September 1, 2023, and additionally set in the deposit / withdrawal details data. Here, as shown in FIG. 7, in the present embodiment, the TTM of the cancellation date is set in the uncollected cancellation amount recovery schedule.

[0058] Then, as shown in FIGS. 8 and 9, in this embodiment, when the lease fee collection date of March 31, 2024 is reached, the collection record is registered in the transaction details data.

[0059] Then, as shown in FIGS. 10 and 11, in this embodiment, when the project No. and target period are set on the journal voucher automatic creation screen and the journal creation execution button is pressed, the journal definition master is referred to, and the journals within the settlement period target period are automatically counted. Here, as shown in FIG. 10, in this embodiment, the TTM at the time of cancellation is held in the transaction details data, and the outstanding cancellation amount journal is counted. That is, as shown in FIG. 10, in this embodiment, the outstanding cancellation amount generated by one cancellation is summarized and automatically counted.

[0060] Then, as shown in FIG. 12, in this embodiment, when 100 out of 900 container assets are lost on May 1, 2024, the outstanding cancellation amount schedule at the time of (second) loss occurrence is separated from the lease fee collection schedule on May 1, 2024 and additionally set in the transaction details data. Here, as shown in FIG. 12, in this embodiment, the TTM of the cancellation date is set in the outstanding cancellation amount collection schedule.

[0061] Then, as shown in FIG. 13, in this embodiment, when the lease fee collection date of March 31, 2025 is reached, the collection record is registered in the transaction details data.

[0062] Then, as shown in FIG. 14, in the present embodiment, the cancellation fee per recovery date and the outstanding cancellation fee balance are calculated, and through multiple loss management processes, the recovery amount of the outstanding cancellation fee per recovery schedule and the remaining balance can be captured. Here, as shown in FIG. 14, in the present embodiment, for the cancellation fee per occurrence, the cancellation fee per occurrence and the outstanding cancellation fee balance are calculated in foreign currency and yen respectively for each schedule, and the cancellation rate on the cancellation date is used at the time of calculation. Also, as shown in FIG. 14, in the present embodiment, it can be output in the file format of Excel (registered trademark) or csv. Note that FIG. 15 shows the acquisition sources and calculation methods of the output items in the present embodiment. Also, as shown in FIG. 15, in the present embodiment, for each cancellation occurrence (for example, aggregating the records with the transaction code: 108 in the transaction details data shown in FIG. 12), the cancellation fee per occurrence and the yen conversion of the outstanding cancellation fee balance are performed, and after the yen conversion, the aggregation is performed on the recovery date.

[0063] [4. Contribution to the United Nations' Sustainable Development Goals (SDGs)] With the present embodiment, it is possible to contribute to improving business efficiency and making appropriate business decisions for enterprises, and thus it is possible to contribute to Goals 8 and 9 of the SDGs.

[0064] Also, with the present embodiment, it is possible to contribute to reducing waste loss and promoting paperless and digitalization, and thus it is possible to contribute to Goals 12, 13, and 15 of the SDGs.

[0065] Also, with the present embodiment, it is possible to contribute to strengthening control and governance, and thus it is possible to contribute to Goal 16 of the SDGs.

[0066] [5. Other Embodiments] The present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims, in addition to the above-described embodiments.

[0067] For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed can be manually performed, or all or part of the processes described as being manually performed can be automatically performed by a known method.

[0068] Also, regarding the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and the drawings, they can be arbitrarily changed unless otherwise specified.

[0069] Also, regarding the lending asset management device 100, each illustrated component is a functional concept, and it is not necessarily physically configured as illustrated.

[0070] For example, regarding the processing functions provided in the lending asset management device 100, particularly each processing function performed by the control unit 102, all or any part of them may be realized by a CPU and a program interpreted and executed by the CPU, or may be realized as hardware by wired logic. Note that the program is recorded on a non-transitory computer-readable recording medium including programmed instructions for causing an information processing device to execute the processes described in this embodiment, and is mechanically read by the lending asset management device 100 as necessary. That is, in a storage unit such as a ROM or an HDD (Hard Disk Drive), a computer program for giving commands to the CPU in cooperation with the OS to perform various processes is recorded. This computer program is executed by being loaded into the RAM and constitutes the control unit in cooperation with the CPU.

[0071] Also, this computer program may be stored in an application program server connected to the lending asset management device 100 via an arbitrary network, and all or part of it can be downloaded as necessary.

[0072] Also, a program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium, or may be configured as a program product. Here, this "recording medium" includes any "portable physical medium" such as a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), an EEPROM (registered trademark) (Electrically Erasable and Programmable Read Only Memory), a CD-ROM (Compact Disk Read Only Memory), an MO (Magneto-Optical disk), a DVD (Digital Versatile Disk), and a Blu-ray (registered trademark) Disc.

[0073] Also, the "program" is a data processing method described in any language or description method, and is not limited to a form such as source code or binary code. Note that the "program" is not necessarily limited to being configured singularly, and also includes those that are distributed as a plurality of modules or libraries, or those that achieve their functions in cooperation with another program typified by an OS. Note that for the specific configuration, reading procedure, and installation procedure after reading for reading the recording medium in each device shown in this embodiment, well-known configurations and procedures can be used.

[0074] The various databases and the like stored in the storage unit 106 are storage means such as a memory device such as a RAM or a ROM, a fixed disk device such as a hard disk, a flexible disk, and an optical disk, and store various programs, tables, databases, and web page files used for various processes and website provision.

[0075] Further, the lending asset management device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. Further, the lending asset management device 100 may be realized by installing software (including programs or data, etc.) that realizes the processing described in this embodiment in the device.

[0076] Furthermore, the specific forms of the distribution and integration of the devices are not limited to those illustrated, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various additions or according to the functional load. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

Industrial Applicability

[0077] The present invention is useful in industries such as the financial industry and the leasing industry.

Explanation of Signs

[0078] 100 Lending asset management device 102 Control unit 102a Detail registration unit 102b Cancellation acquisition unit 102c Uncollected cancellation amount setting unit 102d Recovery setting unit 102e Journal creation unit 102f Cancellation amount output unit 104 Communication interface unit 106 Storage unit 106a Asset management database 108 Input / output interface unit 112 Input device 114 Output device 200 Server 300 Network

Claims

1. A lending asset management device comprising a memory unit and a control unit, wherein the memory unit is an asset management memory means for storing deposit and withdrawal detail data in which a lease fee collection schedule in which a lease asset's collection payment due date and the expected collection amount are associated and set, and a foreign exchange rate master in which a currency, an exchange rate, and an application period are associated and set, and includes, wherein the control unit when a loss of the lease asset occurs, a cancellation acquisition means for acquiring cancellation data in which a cancellation date of the lease asset, an acquisition price of the lost asset, a currency at the time of cancellation, and a rate at the time of cancellation are associated and set based on the foreign exchange rate master; Based on the cancellation data, an unsettled cancellation amount for each collection payment due date after the cancellation date is set from the acquisition price of the lost asset, and the amount obtained by subtracting the unsettled cancellation amount from the expected collection amount set in the deposit and withdrawal detail data is used as a new expected collection amount after the cancellation date, and the deposit and withdrawal detail data is updated, and an unsettled cancellation amount collection schedule in which the cancellation rate, the collection payment due date after the cancellation date, and the unsettled cancellation amount are associated and set is set in the deposit and withdrawal detail data; an unsettled cancellation amount setting means, A lending asset management device characterized by comprising.

2. The control unit when the fee collection corresponding to the collection payment due date is made, a collection setting means for additionally setting a collection actual date, an unsettled cancellation amount collection actual amount, and a deposit rate in the unsettled cancellation amount collection schedule in which the collection payment due date is set based on the foreign exchange rate master, The lending asset management device according to claim 1, further comprising.

3. The collection setting means furthermore, when the fee collection corresponding to the collection payment due date is made, based on the foreign exchange rate master, the collection actual date, the lease fee collection actual amount, and the deposit rate are additionally set in the lease fee collection schedule in which the collection payment due date is set. The lending asset management device according to claim 2, characterized by this.

4. The asset management memory means further stores a journal definition master in which an accounting item for the deposit and withdrawal details is set, and further stores, The control unit Based on the journal definition master and the deposit and withdrawal detail data, a journal creation means for calculating a converted total amount obtained by converting the total of the unsettled cancellation amounts on the cancellation date and creating cancellation journal data in which the converted total amount is set, The lending asset management device according to claim 3, further comprising

5. The control unit Based on the journal definition master and the deposit / withdrawal detail data, calculates the unrealized conversion amount obtained by converting the unrealized cancellation amount on the cancellation date, and the realized conversion amount obtained by converting the realized amount of the unrealized cancellation amount recovered on the recovery actual date, calculates the exchange gain or loss between the unrealized conversion amount and the realized conversion amount, and creates unrealized journal data in which the realized conversion amount and the unrealized conversion amount are set, which is realized journal creation means The lending asset management device according to claim 4, further comprising

6. The control unit Based on the journal definition master and the deposit / withdrawal detail data, creates lease fee journal data in which the lease fee recovery actual amount is set, which is lease fee journal creation means The lending asset management device according to claim 4 or 5, further comprising

7. The control unit Based on the deposit / withdrawal detail data, calculates the balance of the unrealized cancellation amount for each recovery actual date, and is a cancellation amount output means for displaying the realized amount of the unrealized cancellation amount and the balance of the unrealized cancellation amount for each recovery actual date The lending asset management device according to claim 2 or 3, further comprising

8. The cancellation amount output means Further, based on the deposit / withdrawal detail data, calculates the unrealized cancellation amount recovery converted amount obtained by converting the realized amount of the unrealized cancellation amount for each recovery actual date, and the unrealized cancellation amount converted balance obtained by converting the balance of the unrealized cancellation amount, and displays the unrealized cancellation amount recovery converted amount and the unrealized cancellation amount converted balance for each recovery actual date. The lending asset management device according to claim 7

9. The lease asset Is a container, a pallet, or a cargo vehicle. The lending asset management device according to any one of claims 1 to 3

10. A lending asset management method for causing a lending asset management device provided with a storage unit and a control unit to execute, The storage unit Is asset management storage means for storing deposit / withdrawal detail data in which the scheduled recovery date of lease assets and the lease fee recovery schedule associated with the scheduled recovery amount are set, and the exchange rate master in which the currency, exchange rate, and application period are associated and set Comprises Executed in the control unit When the loss of the leased asset occurs, a cancellation acquisition step of acquiring cancellation data in which the cancellation date of the leased asset, the acquisition price of the lost asset, the currency at the time of cancellation, and the exchange rate at the time of cancellation are associated and set based on the exchange rate master; Based on the cancellation data, set the outstanding cancellation amount for each scheduled collection date after the cancellation date from the acquisition price of the lost asset, and update the deposit and withdrawal detail data with the amount obtained by subtracting the outstanding cancellation amount from the scheduled collection amount set in the deposit and withdrawal detail data as the new scheduled collection amount after the cancellation date, and set an outstanding cancellation amount collection schedule in which the exchange rate at the time of cancellation, the scheduled collection date after the cancellation date, and the outstanding cancellation amount are associated in the deposit and withdrawal detail data; an outstanding cancellation amount setting step; A lending asset management method, characterized by including the above.

11. A lending asset management program for causing a lending asset management apparatus including a storage unit and a control unit to execute, wherein the storage unit stores asset management storage means for storing deposit and withdrawal detail data in which the scheduled collection date of the leased asset and the lease fee collection schedule in which the scheduled collection amount are associated, and an exchange rate master in which the currency, the exchange rate, and the applicable period are associated; is provided with In the control unit, When the loss of the leased asset occurs, a cancellation acquisition step of acquiring cancellation data in which the cancellation date of the leased asset, the acquisition price of the lost asset, the currency at the time of cancellation, and the exchange rate at the time of cancellation are associated and set based on the exchange rate master; Based on the cancellation data, set the outstanding cancellation amount for each scheduled collection date after the cancellation date from the acquisition price of the lost asset, and update the deposit and withdrawal detail data with the amount obtained by subtracting the outstanding cancellation amount from the scheduled collection amount set in the deposit and withdrawal detail data as the new scheduled collection amount after the cancellation date, and set an outstanding cancellation amount collection schedule in which the exchange rate at the time of cancellation, the scheduled collection date after the cancellation date, and the outstanding cancellation amount are associated in the deposit and withdrawal detail data; an outstanding cancellation amount setting step; A lending asset management program for causing the above to be executed.

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