Work support device, work support method, and work support program

Abstract

To support input of a correct account item corresponding to a cost.SOLUTION: A warranty fee rate determination code detection unit detects a warranty fee rate determination code corresponding to a financial product by referring to a product-by-product warranty fee rate determination master table in which a warranty fee rate determination code indicating a determination form of a warranty fee rate of a warranty fee received as a consideration from a financial institution that is another company by guaranteeing a loan by the financial product of the financial institution that is another company is stored for each financial product based on the financial product for which the loan is guaranteed. The guarantee rate detection unit is a master table specified by the guarantee rate determination code, and refers to a guarantee rate master table in which a guarantee rate is set for each financial product and for each approval amount which is an amount of money of a loan to be guaranteed, based on the financial product and the approval amount, and detects a guarantee rate corresponding to the financial product and the approval amount. The output control unit outputs the detected guaranteed fee rate to the output target device.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a business support device, a business support method, and a business support program. [Background technology]

[0002] Currently, financial products are known in which a guarantee fee is received from another financial institution as compensation for guaranteeing a loan using the financial product of that financial institution. Regarding such guarantee fees, Patent Document 1 (JP 2024-059318 A) discloses a guarantee fee revenue prediction device.

[0003] In this guarantee fee revenue prediction device, the guarantee fee calculation unit calculates a lump-sum guarantee fee based on the contract data and the guarantee fee management master. The expansion unit creates scheduled repayment data based on the contract data and the guarantee contract data at the time of application. The totaling unit calculates the total accumulated balance from the accumulated balance for each month of the scheduled repayment data. The annual guarantee rate calculation unit calculates the annual guarantee rate by dividing the lump-sum guarantee fee by the total accumulated balance. The prediction unit predicts guarantee fee revenue based on the annual rate calculation unit, the pre-repayment balance for each month of the scheduled repayment data, and the annual guarantee rate of the guarantee contract data.

[0004] This allows us to predict future guarantee fee revenue based on the pre-repayment balance using information provided by financial institutions at the time the guarantee contract is finalized. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Japanese Patent Application Publication No. 2024-059318 Summary of the Invention [Problem to be solved by the invention]

[0006] However, the guarantee rate must be set taking into consideration various factors, which has resulted in the problem of imposing a burden on the person in charge of setting the guarantee rate.

[0007] The present invention has been made in view of the above-mentioned problems, and aims to provide a business support device, a business support method, and a business support program that can reduce the burden on the person in charge of setting guarantee rates. [Means for solving the problem]

[0008] In order to solve the above-mentioned problems and achieve the objectives, the business support device of the present invention has a guarantee rate determination code detection unit that, based on the financial product for which the loan is guaranteed, references a product-specific guarantee rate determination master table stored for each financial product, where the guarantee rate determination code indicates the determination format of the guarantee rate of the guarantee fee received as compensation from the other financial institution for guaranteeing a loan using a financial product of that other financial institution, and detects the guarantee rate determination code corresponding to the financial product; a guarantee rate detection unit that references a guarantee rate master table, which is a master table specified by the guarantee rate determination code and in which guarantee rates are set for each financial product and for each approval amount, which is the amount of the loan to be guaranteed, based on the financial product and the approval amount, and detects the guarantee rate corresponding to the financial product and the approval amount; and an output control unit that outputs the detected guarantee rate to an output target device.

[0009] In addition, in order to solve the above-mentioned problems and achieve the objective, the business support method of the present invention includes a guarantee fee rate determination code detection step in which a guarantee fee rate determination code detection unit references a product-specific guarantee fee rate determination master table stored for each financial product, where the guarantee fee rate determination code indicates the determination format of the guarantee fee rate of the guarantee fee received as compensation from another financial institution for guaranteeing a loan using a financial product of that financial institution, based on the financial product for which the loan is guaranteed, and detects the guarantee fee rate determination code corresponding to the financial product; a guarantee fee rate detection step in which a guarantee fee rate detection unit references a guarantee fee rate master table, which is a master table specified by the guarantee fee rate determination code and in which a guarantee fee rate is set for each financial product and for each approval amount, which is the amount of the loan to be guaranteed, based on the financial product and the approval amount, and detects the guarantee fee rate corresponding to the financial product and the approval amount; and an output control step in which an output control unit outputs the detected guarantee fee rate to an output target device.

[0010] In addition, in order to solve the above-mentioned problems and achieve the objective, the business support program of the present invention causes a computer to function as: a guarantee fee determination code detection unit that references a product-specific guarantee fee determination master table stored for each financial product, where the guarantee fee determination code indicates the determination format of the guarantee fee rate of the guarantee fee received as compensation from another financial institution for guaranteeing a loan using a financial product of that financial institution, based on the financial product for which the loan is guaranteed, and detects the guarantee fee rate determination code corresponding to the financial product; a guarantee fee detection unit that references a guarantee fee master table, which is a master table specified by the guarantee fee determination code and in which guarantee fees are set for each financial product and for each approved amount, which is the amount of the loan to be guaranteed, based on the financial product and the approved amount, and detects the guarantee fee rate corresponding to the financial product and the approved amount; and an output control unit that outputs the detected guarantee fee rate to an output target device. [Effects of the Invention]

[0011] The present invention can reduce the burden on the person in charge of setting guarantee rates. [Brief explanation of the drawings]

[0012] [Figure 1]FIG. 1 is a block diagram illustrating a hardware configuration of a task assistance device according to an embodiment. [Figure 2] FIG. 2 is a diagram illustrating an example of the case information table. [Figure 3] FIG. 3 is a diagram illustrating an example of the applicant information table. [Figure 4] FIG. 4 is a diagram illustrating an example of a product master table. [Figure 5] FIG. 5 is a diagram showing an example of a product-specific guarantee fee rate determination master table. [Figure 6] FIG. 6 is a diagram showing an example of the interest guarantee fee rate master table. [Figure 7] FIG. 7 is a diagram showing an example of the guarantee fee rate determination criteria master table. [Figure 8] FIG. 8 is a diagram showing an example of the examination screen. DETAILED DESCRIPTION OF THE INVENTION

[0013] The following describes in detail a business support device according to an embodiment of the present invention, with reference to the accompanying drawings. The business support device according to this embodiment is an example in which the present invention is applied to a terminal device of a company that guarantees loans based on financial products offered by other financial institutions.

[0014] (overview) Today, for bank guarantee products that guarantee loans made by financial institutions, the guarantee fee as compensation must be determined taking into consideration the affiliated financial institution, product characteristics, contract amount upon application, and set interest rate, etc.

[0015] Specifically, the guarantee fee is determined by taking into account the following factors, which are just an example:

[0016] 1. Values ​​to be stored in the master table for each product 2. Values ​​to be stored in the master table for each product, contract amount, and interest rate 3. Values ​​to be stored in the master table for each product, contract amount, and interest rate 4. Guarantee rate calculated by multiplying the set interest rate by a predetermined percentage 5. Manually enter desired values

[0017] Since it was necessary to determine the guarantee fee and interest rate by combining these various values ​​in a complex manner, this placed a heavy workload on the person in charge.

[0018] The business support device of this embodiment automates the process of determining guarantee fees and interest rates by creating a master table, which previously required a person to determine each factor, obtain the desired value from a master table, and then perform calculations to determine the guarantee fees and interest rates.

[0019] (Hardware configuration) As shown in FIG. 1, the business support device 1 of the embodiment includes a storage unit 2, a control unit 3, a communication interface unit 4, and an input / output interface unit 5. An input device 6 and an output device 7 are connected to the input / output interface unit 5. The output device 7 corresponds to a display unit such as a monitor device (including a home television), a printing device, or a speaker device. The input device 6 may be a keyboard device, a mouse device, a microphone device, or a monitor device that cooperates with a mouse device to achieve a pointing device function. The communication interface unit 4 is connected to a network, for example, a wide area network such as the Internet or a private network such as a LAN (Local Area Network).

[0020] A storage device such as a ROM (Read Only Memory), a RAM (Random Access Memory), an HDD (Hard Disk Drive), or an SSD (Solid State Drive) can be used as the storage unit 2. The storage unit 2 stores a business support program that aims to reduce the burden of setting guarantee rates and the like.

[0021] In addition, this memory unit 2 is provided with a case information table 11, an applicant information table 12, a product master table 13, a product-specific guarantee rate judgment master table 14, an interest rate guarantee rate master table 15, a guarantee rate judgment criteria master table 16, and an examination result memory unit 17, each of which is a memory area.

[0022] As shown in Figure 2, the case information table 11 stores case information for cases in which a company (financial institution) that owns the business support device 1 of the embodiment provides a guarantee for a financial product (bank guarantee product) in which an affiliated financial institution such as a bank provides a loan to an applicant.

[0023] Specifically, the case information table 11 stores case information for each case (each financial product) including the case number, the product code (product CD) of the financial product (bank guaranteed product) for which a loan is provided to an applicant by an affiliated financial institution such as a bank, the case type code, the date of receipt, the urgent flag, and information on whether or not email can be sent.

[0024] The case number is automatically assigned and added by the control unit 3. The product code is a unique code assigned to the financial product by an affiliated financial institution such as a bank. In this example, it is "200". The case type code is information indicating the type of financial product. In this example, it indicates that the case type is "Card WEB", which indicates that an application for a loan by credit card has been made via a network such as the Internet.

[0025] The urgent flag is information indicating whether or not the review by the financial institution that owns the business support device 1 on whether or not to provide a guarantee for a loan from an affiliated financial institution requires urgent review. In this example, the urgent flag is "1: Urgent," indicating that the case requires urgent review.

[0026] The information on whether or not e-mail is possible indicates whether or not the financial institution that owns the business support device 1 can send the results of the examination on whether or not to provide a guarantee for the loan to the terminal device of the affiliated financial institution by e-mail. In this example, it is "1: Possible", which indicates that the examination results can be sent by e-mail.

[0027] As shown in Figure 3, applicant information table 12 stores applicant information, which is personal information of applicants who have applied for loans to affiliated financial institutions. This applicant information includes the case number, applicant's name, date of birth, nationality, address, residence status, employer name, and employer address. The applicant information also includes company classification, job title, employment status, industry classification, job type classification, monthly salary, annual salary, and years of service.

[0028] As shown in Fig. 4, the product master table 13 stores product information on financial products offered by the financial institution that owns the business support device 1 and financial products offered by affiliated financial institutions. This product information includes product codes, product type classifications, product names, and names of affiliated financial institutions. In the example of Fig. 4, the financial product "XX Card Loan" with product code "010" indicates a financial product offered by the financial institution that owns the business support device 1.

[0029] In addition, the example in Figure 4 indicates that the financial product "Bank of Tokyo XX Loan" with product code "200" and the financial product "Bank of Tokyo XX Loan" with product code "300" are financial products offered by affiliated financial institutions.

[0030] As shown in Figure 5, the product-specific guarantee fee rate determination master table 14 stores a guarantee fee rate determination code, which indicates the determination format for the guarantee fee guarantee fee rate, for each financial product. The guarantee fee rate determination code indicates the master table to be referenced when determining the guarantee fee rate and interest rate for that financial product. In the example of Figure 5, the guarantee fee rate determination code for financial products with product codes "200" and "300" is "2: Master acquisition (by amount and interest rate)". This indicates that when determining the guarantee fee rate and interest rate for financial products with product codes "200" and "300", the interest rate guarantee fee rate master table 15, which will be described later using Figure 6, is referenced.

[0031] Furthermore, the product-specific guarantee fee rate determination master table 14 stores a specified guarantee fee rate. This specified guarantee fee rate indicates that the guarantee fee rate for that financial product is a fixed guarantee fee rate. That is, in the example of Figure 5, the guarantee fee rate determination code for the financial product with product code "100" is "Master Acquisition (Specified)". This indicates that the guarantee fee rate for the financial product with product code "100" is set to a fixed guarantee fee rate, such as "4.50%".

[0032] In the example of Figure 5, the guarantee fee rate determination code for the financial product with product code "400" is "3: Master acquisition (preferential attribute treatment)." This indicates that the guarantee fee rate for the financial product with product code "400" is determined by first referencing the guarantee fee rate determination criteria master table 16, which will be described later with reference to Figure 7, to detect attribute information corresponding to the applicant's repayment ability, and then, based on the detected attribute information, by referencing the interest rate guarantee fee rate master table 15 shown in Figure 6, to determine the guarantee fee rate and interest rate.

[0033] In the example of Fig. 5, the guarantee fee rate determination code for the financial product with the product code "500" is "4: Rate Application." This indicates that the guarantee fee rate will be the guarantee fee rate, such as "50%," stored in the product-specific guarantee fee rate determination master table 14, among the interest rates detected from the interest rate guarantee fee rate master table shown in Fig. 6.

[0034] It should be noted that there are no preset values ​​for the guarantee rate and interest rate for the financial product with the product code "600" shown in FIG. 5 (5: No initial setting).

[0035] In the interest rate guarantee rate master table 15, interest rates and guarantee rates are set for each financial product, each approved loan amount (approved amount), and each attribute information, as shown in Figure 6. In the example of Figure 6, for a financial product with a product code of "200," the interest rate for an approved amount of "100,000 yen or more but less than 500,000 yen" is "14.50%," and the guarantee rate is "7.25%." Also, for a financial product with a product code of "200," the interest rate for an approved amount of "500,000 yen or more but less than 1 million yen" is "12.50%," and the guarantee rate is "6.20%."

[0036] For financial products with the product code "200," the interest rate for approved amounts between 1 million and 2 million yen is 9.80%, and the guarantee rate is 4.85%. For financial products with the product code "200," the interest rate for approved amounts between 2 million and 8 million yen is 7.50%, and the guarantee rate is 3.00%.

[0037] In the example of Figure 6, for a financial product with product code "300," the interest rate for approved amounts between 100,000 yen and 500,000 yen is 13.50%, and the guarantee rate is 6.75%. Also, for a financial product with product code "300," the interest rate for approved amounts between 500,000 yen and 1,000,000 yen is 11.00%, and the guarantee rate is 5.50%.

[0038] For financial products with the product code "300," the interest rate for approved amounts between 1 million and 2 million yen is 8.50%, and the guarantee rate is 4.25%. For financial products with the product code "300," the interest rate for approved amounts between 2 million and 8 million yen is 6.00%, and the guarantee rate is 3.00%.

[0039] Also, in the example of Figure 6, the interest rate and guarantee rate for a financial product with product code "400" indicate the interest rate and guarantee rate for an applicant whose attribute determination information corresponding to the applicant's repayment ability is "A", as determined based on the guarantee rate determination criteria master table 16 described using Figure 7.

[0040] That is, for a financial product with a product code of "400", the interest rate and guarantee fee rate for an applicant with attribute judgment information "A" is "12.50%" and the guarantee fee rate is "6.25%" when the approved amount is "100,000 yen or more but less than 500,000 yen". Also, for a financial product with a product code of "400", the interest rate and guarantee fee rate for an applicant with attribute judgment information "A" is "10.50%" and the guarantee fee rate is "5.20%" when the approved amount is "500,000 yen or more but less than 1 million yen".

[0041] Furthermore, for financial products with product code "400", the interest rate and guarantee fee rate for applicants with attribute judgment information "A" is "8.80%" and "4.40%" when the approved amount is "1 million yen or more but less than 2 million yen". Furthermore, for financial products with product code "400", the interest rate and guarantee fee rate for applicants with attribute judgment information "A" is "5.50%" and "3.00%" when the approved amount is "2 million yen or more but less than 8 million yen".

[0042] The guarantee fee rate determination criteria master table 16 stores guarantee fee rate determination criteria information indicating the guarantee fee rate determination criteria, as shown in Fig. 7. This guarantee fee rate determination criteria information includes nationality, annual income (10,000 yen), company type, employment type, position type, number of months of service, and attribute determination information.

[0043] Nationality is classified as either Japanese or foreign. Annual salary is set at a minimum of 5 million yen, for example. Company classification is classified into listed companies, public servants, private companies, etc. Employment classification is classified into managers, full-time employees, contract employees, part-time workers, etc. Position classification is classified into president, managerial staff, general employees, etc. Length of service is set at a minimum of 36 months, for example.

[0044] The attribute judgment information is a kind of rank that is assigned to each applicant according to their repayment ability, which is judged based on these judgment criteria. Attribute judgment information of "A" indicates that the applicant has the highest repayment ability, and subsequent ranks in alphabetical order of B, C, D, etc. indicate that the applicants' repayment ability decreases.

[0045] (Functional configuration of business support device) Next, the control unit 3 executes the business support program stored in the memory unit 2, and functions as a guarantee rate determination code detection unit 21, a guarantee rate detection unit 22, an output control unit 23, a calculation unit 24, a display control unit 25, and a memory control unit 26, as shown in Figure 1.

[0046] The guarantee fee rate determination code detection unit 21 detects the guarantee fee rate determination code corresponding to the financial product by referring to the product-specific guarantee fee rate determination master table 14 stored for each financial product, based on the financial product for which the loan is guaranteed, and the guarantee fee rate determination code indicates the determination format of the guarantee fee rate of the guarantee fee received as compensation from the other financial institution (affiliated financial institution) for guaranteeing a loan using the financial product of the other financial institution (see Figure 5).

[0047] The guarantee rate detection unit 22 is a master table specified by a guarantee rate determination code, and refers to the guarantee rate master table (interest rate guarantee rate master table 15) in which a guarantee rate is set for each financial product and for each approved amount, which is the amount of the loan to be guaranteed, based on the financial product and the approved amount, and detects the guarantee rate corresponding to the financial product and the approved amount (see Figure 6).

[0048] The output control unit 23 outputs the detected guarantee rate to the output target device. If the output target device is a monitor device, the detected guarantee rate is displayed on the monitor device, and if the output target device is a printer, the detected guarantee rate is printed out by the printer. If the output target device is a speaker device, the detected guarantee rate is output as audio via the speaker device. The output target device may also be the memory unit 2 or an external storage device, in which case the detected guarantee rate is stored in the memory unit 2 or the external storage device. Furthermore, the output target device may also be a server device or the like on a network such as the Internet or a LAN, in which case the detected guarantee rate is transmitted to the server device or the like on the network by the output control unit 23 and stored therein.

[0049] Furthermore, as a master table designated by the guarantee fee rate determination code, there is further provided a guarantee fee rate determination criteria master table 16, which is a master table provided separately from the product-specific guarantee fee rate determination master table 14 and contains attribute determination information corresponding to the level of the user's repayment ability, set based on the nationality, employment category, and length of service information of the user to whom the loan is made. In the guarantee fee rate master table (interest rate guarantee fee master table 15), a guarantee fee rate is set for each financial product, each approved amount, and each attribute determination information.

[0050] When the guarantee fee rate determination criterion master table 16 is specified by the guarantee fee rate determination code, the guarantee fee rate detection unit 22 refers to the guarantee fee rate determination criterion master table 16 based on the nationality, employment category, and length of service information included in the applicant information of the user to whom the loan is to be made.The guarantee fee rate detection unit 22 then detects attribute determination information corresponding to the nationality, employment category, and length of service information of the user to whom the loan is to be made, and detects the guarantee fee rate by referring to the guarantee fee rate master table (interest rate guarantee fee rate master table 15) based on the detected attribute determination information, the financial product to be loaned to the user, and the approved amount.

[0051] Furthermore, the product-specific guarantee fee rate determination master table 14 is set with a specified guarantee fee rate, which is a fixed guarantee fee rate for a predetermined financial product (see FIG. 5).

[0052] When a specified guarantee rate, which is a guarantee rate for a financial product, is set in the product-specific guarantee rate determination master table 14, the guarantee rate detection unit 22 detects the specified guarantee rate as the guarantee rate corresponding to the financial product and approved amount.

[0053] In addition, the guarantee fee rate master table (interest rate guarantee fee rate master table 15) stores interest rates for each financial product and each approved amount together with the guarantee fee rate.

[0054] The guarantee fee rate detection unit 22 detects the guarantee fee rate and the interest rate, and the output control unit 23 outputs the detected guarantee fee rate and interest rate to the output target device.

[0055] The product-specific guarantee fee rate determination master table 14 also stores a guarantee fee rate ratio that indicates the rate of the guarantee fee rate applied to a predetermined financial product.

[0056] When a guarantee rate ratio is applied, the calculation unit 24 multiplies the interest rate of the financial product to which the guarantee rate ratio is applied, detected by the guarantee rate detection unit 22 from the guarantee rate master table (interest rate guarantee rate master table 15), by the guarantee rate ratio, and calculates the result as the guarantee rate of the financial product to which the guarantee rate ratio is applied.

[0057] The output control unit 23 outputs the guarantee fee rate corresponding to the calculated guarantee fee rate ratio to the output target device.

[0058] (Automatic determination of interest rates and guarantee rates and review of approved amounts) Next, we will explain the operation of automatically determining the interest rate and guarantee rate and the operation of examining the approved amount in the business support device 1 of the embodiment. First, the person in charge specifies the display of the examination screen via the input device 6. As a result, the display control unit 25 displays the examination screen shown in Figure 8 via the output device 7.

[0059] This examination screen has a field for inputting the desired product code and a field for inputting the approved amount, which is the loan amount applied for by the applicant. This examination screen also has a field for displaying the determined interest rate and the guarantee fee rate.

[0060] The person in charge enters the product code of the financial product for which the approval amount is to be reviewed in the product code input field, and also enters the approved amount, which is the loan amount for which the applicant applied, in the approved amount input field. The example in Figure 8 shows a case where the product code "300" is entered in the product code input field, and the approved amount of "1 million yen" is entered in the approved amount input field.

[0061] Based on the input product code, the guarantee fee rate determination code detection unit 21 refers to the product-specific guarantee fee rate determination master table 14 shown in Figure 5 and detects the guarantee fee rate determination code corresponding to the input product code. In this example, since the product code "300" was input, the guarantee fee rate determination code detection unit 21 refers to the product-specific guarantee fee rate determination master table 14 and detects the guarantee fee rate determination code of "2: Master acquisition (by amount and interest rate)".

[0062] Next, the guarantee rate detection unit 22 refers to the interest rate guarantee rate master table 15 shown in Figure 6 based on the detected guarantee rate determination code of "2: Master acquisition (by amount and interest rate)" and the approved amount of "1 million yen," and detects an interest rate of "8.50%" and a guarantee rate of "4.25%."

[0063] The display control unit 25 displays the detected interest rate of "8.50%" and guarantee rate of "4.25%" in the interest rate display field and guarantee rate display field, respectively, on the screening screen as shown in Figure 8. In addition, the memory control unit 26 stores the detected interest rate of "8.50%" and guarantee rate of "4.25%" in the screening result memory unit 17.

[0064] This allows the interest rate and guarantee rate corresponding to the financial product and approved amount to be automatically detected and displayed without the need for tedious operations or calculations, significantly reducing the workload of staff.

[0065] Other detection operations for interest rates and guarantee rates will be described below.

[0066] 1. When the guarantee fee rate determination code detection unit 21 detects the guarantee fee rate determination code "1: Master acquisition (prescribed)" from the product-specific guarantee fee rate determination master table 14, the guarantee fee rate detection unit 22 detects the prescribed guarantee fee rate, such as "4.50%", set in the product-specific guarantee fee rate determination master table 14 shown in Fig. 5 as the guarantee fee rate. The display control unit 25 displays the prescribed guarantee fee rate, such as "4.50%", as the guarantee fee rate in the guarantee fee rate display column on the screening screen.

[0067] 2. When the guarantee fee rate determination code detection unit 21 detects "2: Master acquisition (by amount and interest rate)" as the guarantee fee rate determination code from the product-specific guarantee fee rate determination master table 14, as described above, the interest rate and guarantee fee rate corresponding to the product code and approved amount are detected from the interest rate guarantee fee rate master table 15 shown in Figure 6. The display control unit 25 displays the detected interest rate and guarantee fee rate in the interest rate display column and guarantee fee rate display column, respectively, on the screening screen.

[0068] 3. When the guarantee fee rate determination code detection unit 21 detects "3: Master acquisition (preferential attribute treatment)" as the guarantee fee rate determination code from the product-specific guarantee fee rate determination master table 14, the guarantee fee rate detection unit 22 refers to the guarantee fee rate determination criteria master table 16 shown in Figure 7 based on the applicant information of the applicant shown in Figure 3, and detects the applicant's attribute determination information.

[0069] The guarantee rate detection unit 22 also references the interest rate guarantee rate master table 15 shown in Fig. 6 to detect the interest rate and guarantee rate corresponding to the detected applicant's attribute judgment information, approval amount, and product code. The display control unit 25 displays the detected interest rate and guarantee rate in the interest rate display column and guarantee rate display column on the screening screen, respectively.

[0070] 4. When the guarantee rate determination code detection unit 21 detects "4: Proportion adapted" as the guarantee rate determination code from the product-specific guarantee rate determination master table 14, the guarantee rate detection unit 22 refers to the interest rate guarantee rate master table 15 shown in Figure 6 and detects the interest rate corresponding to the product code and approved amount.

[0071] The calculation unit 24 multiplies the detected interest rate by the guarantee rate percentage, such as "50%", set in the product-specific guarantee rate determination master table 14 shown in Figure 5, and calculates the result of this multiplication as the guarantee rate.

[0072] The display control unit 25 displays the interest rate detected from the interest rate guarantee rate master table 15 in the interest rate display column on the review screen, and also displays the guarantee rate resulting from the multiplication process of the guarantee rate ratio in the guarantee rate display column on the review screen.

[0073] 5. When the guarantee fee rate determination code detection unit 21 detects "5: No initial set" as the guarantee fee rate determination code from the product-specific guarantee fee rate determination master table 14, the guarantee fee rate detection unit 22 does not perform the operation of detecting the interest rate and guarantee fee rate. In addition, the display control unit 25 does not display the interest rate and guarantee fee rate on the examination screen.

[0074] (Effects of the embodiment) As is clear from the above explanation, the business support device 1 of the embodiment can automatically determine the guarantee fee rate and interest rate of the guarantee fee received as compensation from the other financial institution by guaranteeing a loan using a financial product of the other financial institution by mastering the pattern. This can significantly reduce the burden on the person in charge of determining the guarantee fee rate and interest rate.

[0075] [Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This invention can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of goals "8" and "9" of the SDGs.

[0076] Furthermore, this invention can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs goals 12, 13, and 15.

[0077] Furthermore, the present invention can contribute to strengthening control and governance, thereby contributing to the achievement of Goal 16 of the SDGs.

[0078] [Other embodiments] The present invention can be implemented in various different forms other than the above-described embodiments within the scope of the technical concept described in the claims.

[0079] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically may be performed manually, or all or part of the processes described as being performed manually may be performed automatically using a known method or the like.

[0080] Furthermore, the processing procedures, control procedures, specific names, registered data for each process, information including parameters such as search conditions, screen examples, and database configurations shown in the specification or drawings may be changed as desired unless otherwise specified.

[0081] Furthermore, the components of the business support device 1 shown in the figure are conceptual functional components and do not necessarily have to have the physical configuration shown in the figure. For example, all or any part of the processing functions of the business support device 1, particularly the processing functions performed by the control unit 3, may be realized by a program interpreted and executed by the control unit 3 (CPU: Central Processing Unit), or may be realized by hardware using wired logic.

[0082] The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processes described in the embodiments, and is mechanically read by the business support device 1 as needed. That is, a computer program is recorded in the storage unit 2, such as a ROM or HDD, for working with an OS (Operating System) to give instructions to a control unit 3 (CPU) and perform various processes. The computer program is loaded into RAM, expanded, and executed by the control unit 3 as appropriate.

[0083] In addition, the business support program of this business support device 1 may be stored in another server device connected to the business support device 1 via any network, and all or part of it may be downloaded and executed as needed.

[0084] Furthermore, the business support program for executing the processes described in the embodiments may be stored in a non-transitory computer-readable recording medium, or may be configured as a program product.

[0085] Here, the "recording medium" can be 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.

[0086] Furthermore, a "program" is a data processing method written in any language or description method, regardless of the format, such as source code or binary code.

[0087] It should be noted that a "program" is not necessarily limited to a single structure, but includes a structure that is distributed as multiple modules or libraries, and a structure that achieves its function by working together with other programs, such as an OS.

[0088] Furthermore, the specific configuration for reading the recording medium in the task support device 1 of the embodiment, the reading procedure, and the installation procedure after reading can be any known configuration or procedure.

[0089] The memory unit 2 is a storage means such as a memory device such as RAM or ROM, a fixed disk device such as a hard disk, a flexible disk, or an optical disk, and stores various programs, tables, databases, web page files, etc. used for various processes or providing websites.

[0090] The business support device 1 may be configured as an information processing device such as a known personal computer or a workstation, or may be configured as an information processing device connected to any peripheral device. The information processing device may be implemented with software (including programs or data) that realizes the processes described in the embodiments.

[0091] Furthermore, the specific forms of distribution and integration of the devices are not limited to those shown in the drawings, and all or part of them can be functionally or physically distributed or integrated in any unit depending on various additions or functional loads. In other words, the above-mentioned embodiments can be selectively implemented by combining them in any way. [Industrial Applicability]

[0092] The present invention is particularly suitable for application to the operations of companies in the financial industry that provide guarantee services. [Explanation of symbols]

[0093] 1 Business support equipment 2 Storage section 3. Control Unit 4. Communication interface section 5 Input / output interface section 6 Input Devices 7 Output Devices 11. Project Information Table 12 Applicant Information Table 13 Product Master Table 14 Product-specific guarantee fee rate determination master table 15 Interest Guarantee Rate Master Table 16 Guarantee fee rate criteria master table 17 Examination result storage section 21 Guarantee rate determination code detection unit 22 Guarantee rate detection unit 23 Output control section 24 Calculation section 25 Display control unit 26 Memory control unit

Claims

1. a guarantee fee rate determination code detection unit that detects the guarantee fee rate determination code corresponding to a financial product by referencing a product-specific guarantee fee rate determination master table stored for each financial product based on the financial product for which the loan is guaranteed, in order to determine the guarantee fee rate determination code that indicates the determination format of the guarantee fee rate of the guarantee fee received as compensation from the financial institution that is another financial company for guaranteeing a loan using the financial product of the financial company; a guarantee fee rate detection unit that refers to a master table designated by the guarantee fee rate determination code, in which a guarantee fee rate is set for each financial product and for each approved amount, which is the amount of the loan to be guaranteed, based on the financial product and the approved amount, and detects the guarantee fee rate corresponding to the financial product and the approved amount; an output control unit that outputs the detected guarantee rate to an output target device; A business support device having the above.

2. The master table designated by the guarantee fee rate determination code further includes a guarantee fee rate determination criteria master table, which is a master table provided separately from the product-specific guarantee fee rate determination master table and includes attribute determination information corresponding to the level of repayment ability of the user set based on the nationality, employment category, and length of service information of the user to whom the loan is made; The guarantee fee rate master table sets the guarantee fee rate for each of the financial products, each of the approved amounts, and each of the attribute determination information, when the guarantee fee rate determination code specifies the guarantee fee rate determination criteria master table, the guarantee fee rate detection unit refers to the guarantee fee rate determination criteria master table based on the nationality, employment category, and length of service information included in the applicant information of the user to whom the loan is to be made, detects attribute determination information corresponding to the nationality, employment category, and length of service information of the user to whom the loan is to be made, and also refers to the guarantee fee rate master table based on the detected attribute determination information, the financial product to be loaned to the user, and the approved amount, to detect the guarantee fee rate; 2. The business support device according to claim 1, wherein:

3. The product-specific guarantee fee rate determination master table is set with a specified guarantee fee rate, which is a fixed guarantee fee rate for a predetermined financial product, the guarantee fee rate detection unit, when the specified guarantee fee rate, which is the guarantee fee rate for the financial product, is set in the product-specific guarantee fee rate determination master table, detects the specified guarantee fee rate as the guarantee fee rate corresponding to the financial product and the approved amount; 3. The business support device according to claim 2, wherein:

4. The guarantee fee rate master table stores interest rates for each financial product and each approved amount together with the guarantee fee rate, the guarantee fee rate detection unit detects the interest rate together with the guarantee fee rate; the output control unit outputs the detected guarantee rate and the interest rate to the output target device; 4. The business support device according to claim 3, wherein:

5. The product-specific guarantee fee rate determination master table stores a guarantee fee rate ratio indicating the rate of the guarantee fee rate to be applied to a predetermined financial product, a calculation unit that, when the guarantee fee rate ratio is applied, calculates the guarantee fee rate of the financial product to which the guarantee fee rate ratio detected from the guarantee fee rate master table by the guarantee fee rate detection unit as the guarantee fee rate of the financial product to which the guarantee fee rate ratio is applied; the output control unit outputs the guarantee fee rate corresponding to the calculated guarantee fee rate ratio to the output target device; 5. The business support device according to claim 4, wherein:

6. a guarantee fee rate determination code detection step in which a guarantee fee rate determination code detection unit references a product-specific guarantee fee rate determination master table stored for each financial product, in which a guarantee fee rate determination code indicating the determination format of the guarantee fee rate of the guarantee fee received as compensation from another financial institution for guaranteeing a loan using the financial product of the other financial institution is stored, based on the financial product for which the loan is guaranteed, and detects the guarantee fee rate determination code corresponding to the financial product; a guarantee fee rate detection step in which a guarantee fee rate detection unit refers to a master table designated by the guarantee fee rate determination code, in which a guarantee fee rate is set for each financial product and for each approved amount, which is the amount of the loan to be guaranteed, based on the financial product and the approved amount, and detects the guarantee fee rate corresponding to the financial product and the approved amount; an output control step in which an output control unit outputs the detected guarantee rate to an output target device; A business support method having the above.

7. Computer, a guarantee fee rate determination code detection unit that detects the guarantee fee rate determination code corresponding to a financial product by referencing a product-specific guarantee fee rate determination master table stored for each financial product based on the financial product for which the loan is guaranteed, in order to determine the guarantee fee rate determination code that indicates the determination format of the guarantee fee rate of the guarantee fee received as compensation from the financial institution that is another financial company for guaranteeing a loan using the financial product of the financial company; a guarantee fee rate detection unit that refers to a master table designated by the guarantee fee rate determination code, in which a guarantee fee rate is set for each financial product and for each approved amount, which is the amount of the loan to be guaranteed, based on the financial product and the approved amount, and detects the guarantee fee rate corresponding to the financial product and the approved amount; an output control unit that outputs the detected guarantee rate to an output target device; A business support program that functions as a

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