Business support device, business support method, and business support program

Abstract

The system can automatically select an appropriate contract spread based on the characteristics of the product (repayment pattern) at the time of the loan agreement, reducing the workload of the person in charge and mitigating the risk of lending at the wrong interest rate. [Solution] The acquisition unit acquires the repayment pattern code assigned by the user according to the characteristics of the loan product for which a loan agreement has been made. The contract data creation unit refers to the repayment pattern master, which stores the contract product, interest rate type classification, and spread associated with each repayment pattern code, identifies the spread associated with the repayment pattern code acquired by the acquisition unit, and creates contract data including the spread. The output control unit outputs the created contract data to the output target device.

Description

Technical Field

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

Background Art

[0002] In Patent Document 1 (Japanese Patent Application Laid-Open No. 2019-113965), at the time of a financing contract, a repayment pattern code registered in a repayment pattern master on an input screen is selected, and contract data including identification information, the selected repayment pattern code, the financing amount, and the financing interest rate is created. A financing management device that creates repayment schedule data including identification information and a repayment schedule based on the contract data corresponding to the identification information is disclosed.

[0003] This financing management device refers to a repayment pattern master that registers various interest rate fluctuation patterns in association with the repayment pattern code, calculates the financing interest rate of the contract data, and creates repayment schedule data based on the contract data. This enables unified management of a variety of interest rate fluctuation products.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] However, there is a problem that when the person in charge cannot select an appropriate contract spread from the repayment pattern code assigned according to the characteristics of the financed product, there is a risk of financing at an incorrect financing interest rate.

[0006] Therefore, 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 automatically select an appropriate contract spread according to the characteristics of the product at the time of loan agreement, thereby reducing the workload of the person in charge and reducing the risk of making loans at incorrect interest rates. [Means for solving the problem]

[0007] To solve the above-mentioned problems and achieve the objective, the business support device according to the present invention comprises: an acquisition unit that acquires a repayment pattern code assigned according to the characteristics of a loan product entered into a loan agreement by a user; a contract data creation unit that refers to a repayment pattern master in which a contract product, interest rate type classification, and spread are associated and stored for each repayment pattern code, identifies the spread associated with the repayment pattern code acquired by the acquisition unit, and creates contract data including the spread; and an output control unit that outputs the created contract data to an output target device.

[0008] Furthermore, in order to solve the above-mentioned problems and achieve the objectives, the business support method according to the present invention includes an acquisition step in which an acquisition unit acquires a repayment pattern code assigned according to the characteristics of a loan product that has been contracted, which has been entered by a user; a contract data creation step in which a contract data creation unit refers to a repayment pattern master in which a contract product, interest rate type classification, and spread are associated and stored for each repayment pattern code, identifies the spread associated with the repayment pattern code acquired by the acquisition unit, and creates contract data including the spread; and an output control step in which an output control unit outputs the created contract data to an output target device.

[0009] Furthermore, in order to solve the above-mentioned problems and achieve the objectives, the business support program according to the present invention makes the computer function as an acquisition unit that acquires repayment pattern codes assigned according to the product characteristics of the loan product entered into a loan agreement, a contract data creation unit that refers to a repayment pattern master in which the contract product, interest rate type classification, and spread are associated and stored for each repayment pattern code, identifies the spread associated with the repayment pattern code acquired by the acquisition unit and creates contract data including the spread, and an output control unit that outputs the created contract data to an output target device. [Effects of the Invention]

[0010] This invention allows for the automatic selection of an appropriate spread for a loan product based on its characteristics (repayment pattern) at the time of the loan agreement. This reduces the workload of the loan officer and mitigates the risk of lending at an incorrect interest rate. [Brief explanation of the drawing]

[0011] [Figure 1] Figure 1 is a block diagram showing the hardware configuration of a business support device according to an embodiment. [Figure 2] Figure 2 shows an example of a benchmark interest rate master. [Figure 3] Figure 3 shows an example of a repayment pattern master. [Figure 4] Figure 4 shows an example of data associated with loan interest rate data stored in the loan interest rate data storage unit. [Figure 5] Figure 5 shows an example of a calculation result stored in the calculation result storage unit. [Figure 6] Figure 6 shows an example of contract data stored in the contract data storage unit. [Figure 7] Figure 7 shows another example of contract data stored in the contract data storage unit. [Figure 8] Figure 8 is a diagram illustrating the operation flow of the business support device according to the embodiment. [Figure 9] Figure 9 shows an example of an input screen. [Figure 10] Figure 10 shows another example of an input screen. [Modes for carrying out the invention]

[0012] The following describes in detail, with reference to the drawings, a business support device that is an embodiment to which the present invention is applied. However, the present invention is not limited to the following embodiments.

[0013] [overview] Traditionally, in lending operations, the risk varies depending on the product, the presence of collateral, and the purpose of the loan. For example, with a mortgage, a valuable asset such as a house serves as collateral, which allows financial institutions to mitigate the risk of default. On the other hand, with a credit card loan, in addition to the lack of collateral, the borrower's intention to repay and the lack of transparency in loan management and purpose make the risk of default high. Furthermore, the risk also varies depending on the borrower's creditworthiness, that is, the repayment ability of the individual or company.

[0014] Therefore, when an application for a loan product such as a mortgage is received, it is necessary to estimate what the repayment schedule will be. However, traditionally, at the time of the loan agreement, the person in charge would individually check the contract spread according to the characteristics of the product and manually enter it, which sometimes resulted in loans being granted with an incorrect contract spread. For example, if a loan is granted with an incorrectly large contract spread, there is a possibility of overcharging interest, which risks damaging the financial institution's credibility.

[0015] Here, as a result of intensive consideration in view of the above problems, the contract spread can be determined by the product nature of the financial product. If the contract spread is retained according to the product nature and can be determined by the contract spread at the time of contract conclusion, then by specifying the product nature, that is, the repayment pattern, the contract spread can be specified without depending on the level of the person in charge. In addition, by being able to automatically determine the contract spread, it is possible to prevent incorrect input of the contract spread by the person in charge and prevent the inconvenience of financing with an incorrect contract spread.

[0016] Therefore, in the business support device of the embodiment, the repayment pattern code attached according to the product nature of the loan product for which a financing contract has been made and input by the user is acquired, and for each such repayment pattern, the contract product, interest rate type classification, and contract spread (hereinafter, also simply referred to as "spread") are associated and stored in the repayment pattern master, and the spread associated with the acquired repayment pattern code is specified and contract data including the spread is created.

[0017] Thereby, an appropriate contract spread corresponding to the characteristics of the product at the time of financing contract can be automatically selected, reducing the workload of the person in charge and preventing the inconvenience of financing at an incorrect financing interest rate.

[0018] [Configuration] (Hardware Configuration) FIG. 1 is a block diagram showing the hardware configuration of the business support device 1 according to the embodiment. As shown in this 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.

[0019] An input device 6 and an output device 7 are connected to the input / output interface unit 5. As the output device 7, a display unit such as a monitor device (including a household TV), a printing device, or a speaker device, etc. corresponds. As the input device 6, in addition to a keyboard device, a mouse device, and a microphone device, etc., a monitor device that realizes a pointing device function in cooperation with the mouse device can also be used.

[0020] The communication interface unit 4 is connected to a network such as a wide-area network like the Internet or a private network like a LAN (Local Area Network). A server device 11 is connected to the network.

[0021] For the memory unit 2, a storage device such as ROM (Read Only Memory), RAM (Random Access Memory), HDD (Hard Disk Drive), or SSD (Solid State Drive) can be used.

[0022] Memory Unit 2 stores a business support program that automatically selects an appropriate contract spread according to the characteristics of the product when a loan agreement is made, thereby reducing the workload of the person in charge and mitigating the risk of making a loan at an incorrect interest rate.

[0023] Furthermore, this memory unit 2 is equipped with memory areas for a standard interest rate master 21, a repayment pattern master 22, a loan interest rate data storage unit 23, a calculation result storage unit 24, and a contract data storage unit 25.

[0024] The information in the storage unit 2 may be manually entered by the person in charge (also called the user) via the input device 6, or it may be obtained from a server device 11 or the like via the network. The method of inputting various types of data to the storage unit 2 is not particularly limited.

[0025] The benchmark interest rate master 21 stores the revision date and benchmark interest rate associated with each interest rate type category. The interest rate type category is the type of benchmark interest rate set by a public institution.

[0026] The interest rate classification is as follows: For example, "0" indicates a fixed interest rate other than a variable rate. Also, for example, "1" is the short-term prime rate, and the interest rate obtained when acquiring the benchmark interest rate is the short-term prime rate. Also, for example, "2" is the long-term prime rate, and the interest rate obtained when acquiring the benchmark interest rate is the long-term prime rate.

[0027] Figure 2 shows an example of the benchmark interest rate master 21. For example, as shown in Figure 2, the benchmark interest rate master 21 is a table in which, for example, interest rate type category "1: Short-term prime rate", benchmark interest rate "10.5%", and revision date "2024 / 1 / 1" are associated, and interest rate type category "2: Long-term prime rate", benchmark interest rate "11.5%", and revision date "2024 / 1 / 1" are associated.

[0028] Furthermore, the contract data creation unit 32, described later, adopts the benchmark interest rate as of the most recent revision date.

[0029] The repayment pattern master 22 stores the contract product, interest rate type category, and spread associated with each repayment pattern code assigned according to the characteristics of the loan product. The spread refers to the contract spread, which is the interest margin that financial institutions add to the base interest rate when providing loans.

[0030] For example, as mentioned above, if the loan product is a mortgage, the financial institution has the house as collateral, making it a relatively low-risk product for the financial institution. In this case, the interest rate margin is set lower.

[0031] On the other hand, if the loan product is a credit card loan, in addition to the lack of collateral, it is a product with a high risk of default for financial institutions because it is a purposeless loan with an unclear intention and management of repayment by the borrower. In this case, the interest margin is set higher.

[0032] As the method for identifying the spread differs depending on the loan product, the repayment pattern master 22 allows for the identification of the spread (so-called interest margin) associated with the repayment pattern code by registering a repayment pattern code according to the characteristics of the loan product.

[0033] The characteristics of a loan product include factors such as whether it is a long-term or short-term loan, and the size of the loan amount; in other words, it refers to the specific features of the loan product. A long-term loan is, for example, a mortgage loan with a long-term prime rate, while a short-term loan is, for example, a credit card loan with a short-term prime rate.

[0034] Figure 3 shows an example of the repayment pattern master 22. For example, as shown in Figure 3, the repayment pattern master 22 is a table in which the contract product "Short-term P (1%)", the interest rate type category "1: Short-term prime rate", and the spread "1%" are associated with the repayment pattern code "1", and the contract product "Long-term P (5%)", the interest rate type category "2: Long-term prime rate", and the spread "5%" are associated with the repayment pattern code "2".

[0035] The loan interest rate data storage unit 23 stores loan interest rate data associated with the contract number of the loan product. The loan interest rate data includes a base interest rate identified based on the repayment pattern code entered by the user (person in charge), a spread associated with the repayment pattern code, and the loan interest rate calculated from the base interest rate and the spread. The loan interest rate data may also be associated with a loan interest rate calculation formula.

[0036] Figure 4 shows an example of data associated with loan interest rate data stored in the loan interest rate data storage unit 23. For example, as shown in Figure 4, a calculation formula for calculating loan interest payments may be associated with the loan interest rate data. This calculation formula is stored in the storage unit 2 and is used in the calculation method using the principal and interest equal payment method for loan products (e.g., housing loans) indicated by the repayment pattern code selected by the user.

[0037] Please note that this calculation formula is merely an example, and an appropriate calculation method will be adopted depending on the characteristics of the loan product.

[0038] The calculation result storage unit 24 stores the calculation results from the calculation unit 33 (described later) and the data used for the calculation, associated with the contract number of the loan product. For example, the calculation results include the loan interest rate, the base interest rate and spread used to calculate the loan interest rate, the monthly loan interest rate, the loan interest rate installment, the loan amount, the number of repayments, the monthly repayment amount, etc. The loan interest rate installment calculation formula may also be associated with the calculation results.

[0039] Figure 5 shows an example of calculation results stored in the calculation result storage unit 24. For example, as shown in Figure 5, the calculation result storage unit 24 stores not only the loan interest rate and monthly repayment amount (yen), which are the results calculated by the calculation unit 33, but also data related to these calculations, such as the repayment pattern code, base interest rate, spread, number of repayments, and loan amount, all associated with the contract number.

[0040] The contract data storage unit 25 stores contract data related to loans for each contractor (i.e., customer). The contract data is created by the contract data creation unit 32, which will be described later, and stored in the contract data storage unit 25.

[0041] Figure 6 shows an example of contract data stored in the contract data storage unit 25. As shown in Figure 6, the contract data includes at least a customer ID to identify the customer, a contract number, a repayment pattern code, a spread, and a monthly repayment amount. Figure 7 shows another example of contract data stored in the contract data storage unit 25. As shown in Figure 7, it may include the loan interest rate, the benchmark interest rate, and all contract results, etc.

[0042] Furthermore, the storage unit 2 may store customer information master, product master, transfer table storage, etc. The customer information master stores customer ID, customer name, direct debit account information, address, etc. The product master stores product code, product name, etc. for loan products. The transfer table storage unit stores transfer destination items, transfer source tables, and transfer source items in association.

[0043] (Functional configuration of business support equipment) Next, the control unit 3 executes the business support program stored in the memory unit 2, and functions as an acquisition unit 31, a contract data creation unit 32, a calculation unit 33, and an output control unit 34, as shown in Figure 1.

[0044] In this example, the acquisition unit 31 to the output control unit 34 are described as being implemented in software based on a business support program, but all or part of the acquisition unit 31 to the output control unit 34 may be implemented in hardware. In either case, the same effects as described later can be obtained.

[0045] The acquisition unit 31 acquires information input to the input device 6, as well as information transmitted from external devices such as the server device 11 and terminal devices (not shown in Figure 1) via the aforementioned network.

[0046] For example, the terminal device may be a personal computer, tablet, or smartphone. The information entered into the input device 6 may include, for example, instructions for executing, starting, or ending various processes in the business support device 1, and data. The data may include, for example, customer ID, customer name, product code, product name, repayment pattern code, loan amount, and files. The files may include, for example, image files taken with a camera (e.g., images of identification documents) or image files scanned with a scanner.

[0047] When the acquisition unit 31 acquires the repayment pattern code entered by the user, the contract data creation unit 32 refers to the repayment pattern master 22, identifies the spread associated with the repayment pattern code acquired by the acquisition unit 31, and creates contract data including the spread.

[0048] The contract data creation unit 32 further refers to the repayment pattern master 22 to identify the interest rate type category associated with the repayment pattern code acquired by the acquisition unit 31, and identifies the base interest rate associated with the identified interest rate type category by referring to the interest rate base master.

[0049] The contract data creation unit 32 creates contract data that includes at least the customer ID, contract number, repayment pattern code, spread, and monthly repayment amount, but may include all data identified by the contract data creation unit 32 in the contract data as needed. In addition, once the loan interest rate, monthly loan interest rate, loan interest rate installment, and monthly repayment amount are calculated by the calculation unit 33 described later, the contract data creation unit 32 may create contract data that includes this data, or may select data to include in the contract data as needed.

[0050] The calculation unit 33 calculates the data necessary for a loan product contract. For example, the calculation unit 33 calculates the loan interest rate, monthly loan interest rate, loan interest installment, monthly repayment amount, etc. Specifically, the calculation unit 33 calculates the loan interest rate based on the spread and benchmark interest rate identified by the contract data creation unit 32.

[0051] Furthermore, the calculation unit 33 calculates the monthly loan interest rate by dividing the annual loan interest rate by 12. The calculation unit 33 also calculates the loan interest rate installment using a calculation method appropriate to the characteristics of the loan product, and calculates the monthly repayment amount. The calculation unit 33 stores the calculation results and the data used in the calculation in the calculation result storage unit 24.

[0052] The output control unit 34 outputs various data created by the contract data creation unit 32 and calculated by the calculation unit 33 to the output target device (for example, the output device 7). The output control unit 34 may also output the base interest rate master 21, repayment pattern master 22, customer information master, product master, transfer table, files, user notifications, etc., stored in the storage unit 2 to the output target device.

[0053] The output device 7 can be a display device, a printing device, or a speaker device. The output control unit 34 converts the various data stored in the storage unit 2 into display information, print information, or audio information and supplies it to each device to obtain display output, print output, or audio output corresponding to the various data. Alternatively, the output device 7 may be the storage unit 2, an external storage device, or a server device on a network.

[0054] [Operation] (Operation of business support equipment) Next, the operation of the business support device 1 according to this embodiment will be described. Figure 8 is a diagram illustrating the operation flow of the business support device 1 according to this embodiment. When the business support device 1 obtains the repayment pattern code entered by the user (person in charge), it reads basic information such as the standard interest rate master 21, repayment pattern master 22, and customer information master, which have been registered in advance, from the storage unit 2 and performs contract data creation processing. The following will be explained in detail with reference to the drawings.

[0055] Loan product application input may be performed by the customer using their own terminal device, or by the user (person in charge) using business support device 1 or the user's terminal device. As described above, business support device 1 can exchange data with external devices such as terminal devices and server devices 11 via the network.

[0056] When a loan product application is submitted, the user enters a repayment pattern code corresponding to the characteristics of the loan product applied for (i.e., the contracted product). Figure 9 shows an example of the input screen. Figure 10 shows another example of the input screen. As shown in Figure 9, the user enters a repayment pattern code corresponding to the characteristics of the contracted product. At this time, the user may enter the repayment pattern code by referring to the repayment pattern master 22, or they may select and enter it from the repayment pattern code candidates displayed on the input screen.

[0057] When a user enters a repayment pattern code, the acquisition unit 31 of the business support device 1 acquires the entered repayment pattern code. The contract data creation unit 32 refers to the repayment pattern master 22 (see Figure 3), identifies the spread associated with the repayment pattern code acquired by the acquisition unit 31, and includes the identified value "1%" in the spread item of the contract data (see Figure 10).

[0058] Next, the contract data creation unit 32 refers to the repayment pattern master 22 to identify the interest rate type category associated with the above repayment pattern code, and refers to the base interest rate associated with the identified interest rate type category to the base interest rate master 21 (see Figure 2). The contract data creation unit 32 includes the identified value "10.5%" in the base interest rate item of the contract data (see Figure 10).

[0059] Next, when the user operates the "Calculate" button on the input screen, the acquisition unit 31 receives an instruction to start the calculation process. When the acquisition unit 31 receives this instruction, the calculation unit 33 calculates the loan interest rate based on the spread and base interest rate identified by the contract data creation unit 32.

[0060] Specifically, the calculation unit 33 adds the spread of "1%" and the base interest rate of "10.5%" to calculate the loan interest rate of "11.5%" (see Figure 5). Once the calculation unit 33 stores the loan interest rate of "11.5%" in the calculation result storage unit 24, the contract data creation unit 32 includes the calculated value "11.5%" in the loan interest rate item of the contract data.

[0061] Next, the calculation unit 33 divides the annual interest rate by 12 to calculate the monthly interest rate. The calculation unit 33 calculates the loan interest installment using a calculation method appropriate to the characteristics of the contract product "Short-term P (1%)" (see Figure 4), and calculates the monthly repayment amount of "83,334 yen" (see Figure 5).

[0062] In this example, the calculation method using the principal and interest equal payment method is used. The calculation unit 33 stores the calculation result and the data used in the calculation in the calculation result storage unit 24. The contract data creation unit 32 retrieves data for items included in the contract data (for example, loan interest rate, monthly repayment amount) from the data stored in the calculation result storage unit 24.

[0063] When a user operates the "Register" button on the input screen, the acquisition unit 31 acquires the instruction to register contract data. When the acquisition unit 31 acquires this instruction, the contract data creation unit 32 stores the created contract data in the contract data storage unit 25.

[0064] The contract data creation unit 32 may either save (overwrite) the contract data each time the "Register" button on the input screen is pressed, or it may save the contract data to the temporary storage area of ​​the storage unit 2 each time data is entered into an item on the input screen.

[0065] In the processing flow described above, the output control unit 34 outputs the processing results of the contract data creation unit 32 and the calculation unit 33 to the output target device (in this case, the output device 7). The output control unit 34 also outputs notifications to the user, input candidate data (for example, repayment pattern codes, etc.), etc. Furthermore, when the user inputs a file output instruction, the output control unit 34 outputs the specified file (customer identification documents, contract data file, etc.) to the output target device.

[0066] The output control unit 34 can output the above-mentioned data to the customer's terminal device, the terminal devices of other users (such as checkers in the relevant department), etc.

[0067] [Effects of the embodiment] As is clear from the above description, the business support device 1 according to the embodiment, upon acquiring a repayment pattern code entered by the user, identifies the spread associated with the acquired repayment pattern code by referring to the repayment pattern master 22, creates contract data including the identified spread, and outputs the created contract data to the output target device.

[0068] Therefore, it is possible to automatically select an appropriate contract spread according to the characteristics of the product (i.e., product features) at the time of the loan agreement, thereby reducing the workload of the user (person in charge). Furthermore, because the appropriate contract spread can be identified regardless of the level of the person in charge, it is possible to reduce the risk of lending at an incorrect interest rate.

[0069] Furthermore, according to the business support device 1 of this embodiment, the repayment pattern master 22 is used to identify the interest rate type category associated with the above repayment pattern code, and the base interest rate associated with the identified interest rate type category is identified by referring to the base interest rate master 21. Therefore, an appropriate base interest rate according to the characteristics of the product can be selected regardless of the level of the person in charge.

[0070] Furthermore, according to the business support device 1 of the embodiment, the loan interest rate is calculated based on the spread and benchmark interest rate identified above, and contract data including the calculated loan interest rate is created. As a result, it is possible to create contract data with an appropriate loan interest rate, and the risk of making erroneous loans that damage creditworthiness, such as collecting excessive interest, can be avoided.

[0071] Furthermore, according to the business support device 1 of the embodiment, the monthly loan interest rate is calculated based on the loan interest rate calculated above, and the loan interest installment and monthly repayment amount are calculated using a calculation method appropriate to the characteristics of the product. Therefore, the monthly repayment amount and the like can be calculated appropriately based on an appropriate loan interest rate, regardless of the level of the person in charge.

[0072] [Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This invention can contribute to improving operational efficiency and promoting appropriate management decisions by companies, and therefore can contribute to SDGs Goals 8 and 9.

[0073] Furthermore, this invention can contribute to reducing waste loss and promoting paperless and electronic processes, thereby contributing to SDGs Goals 12, 13, and 15.

[0074] Furthermore, this invention can contribute to strengthening control and governance, and therefore can contribute to achieving the 16 goals of the SDGs.

[0075] [Other embodiments] The present invention can be implemented in various different forms within the scope of the technical idea described in the claims, even in embodiments other than those described above.

[0076] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically may be performed manually. Alternatively, all or part of the processes described as being performed manually may be performed automatically by known methods or the like.

[0077] Furthermore, unless otherwise specified, the processing procedures, control procedures, specific names, registration data for each process, information including parameters such as search conditions, screen examples, and database configuration shown in the specification or drawings can be arbitrarily changed.

[0078] Furthermore, with respect to the business support device 1, each component shown in the diagram is a functional concept and does not necessarily have to have the physical configuration shown. For example, the processing functions of the business support device 1, particularly the processing functions performed by the control unit 3, may be implemented in whole or in any part by a program interpreted and executed by the control unit 3 (CPU: Central Processing Unit), or by hardware using wired logic.

[0079] The program is recorded on a non-temporary, computer-readable recording medium containing programmed instructions for the information processing device to execute the processes described in the embodiment, and is mechanically read by the business support device 1 as needed. In other words, the storage unit 2, such as ROM or HDD, records a computer program that works in cooperation with the OS (Operating System) to give instructions to the control unit 3 (CPU) and perform various processes. This computer program is loaded into RAM, unpacked, and executed by the control unit 3 as appropriate.

[0080] Furthermore, the business support program for this business support device 1 may be stored on 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.

[0081] Furthermore, the business support program for executing the processes described in the embodiment may be stored on a non-temporary computer-readable recording medium, or it may be configured as a program product.

[0082] Here, any "portable physical medium" can be used as the "recording medium," such as memory cards, USB (Universal Serial Bus) memory, SD (Secure Digital) cards, flexible disks, magneto-optical disks, ROMs, EPROMs (Erasable Programmable Read Only Memory), EEPROMs (Registered Trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROMs (Compact Disk Read Only Memory), MOs (Magneto-Optical Disks), DVDs (Digital Versatile Disks), and Blu-ray (Registered Trademark) Discs.

[0083] Furthermore, "program" refers to a data processing method written in any language or writing method, regardless of whether it is source code or binary code.

[0084] Furthermore, the term "program" is not necessarily limited to a single, monolithic entity, but also includes those that are distributed as multiple modules or libraries, and those that work in cooperation with other programs, such as an operating system, to achieve their functions.

[0085] Furthermore, for the specific configuration, reading procedure, and post-reading installation procedure for the business support device 1 of the embodiment, well-known configurations or procedures can be used.

[0086] The storage unit 2 is a storage means such as memory devices like RAM and ROM, fixed disk devices like hard disks, flexible disks, and optical disks, and stores various programs, tables, databases, and web page files used for various processing or website provision.

[0087] Furthermore, the business support device 1 may be composed of a known personal computer device or an information processing device such as a workstation, or it may be composed of an information processing device to which any peripheral devices are connected. In addition, the information processing device may be implemented by implementing software (including programs or data, etc.) that realizes the processing described in the embodiment.

[0088] Furthermore, the specific forms of distribution and integration of the devices are not limited to those shown in the figures, and all or part of them can be configured by functionally or physically distributing or integrating them in any unit according to various additions or functional loads. In other words, the embodiments described above can be selectively implemented by arbitrarily combining the embodiments described above. [Industrial applicability]

[0089] The present invention is particularly suitable for application to the selection of loan product spreads in lending operations. [Explanation of Symbols]

[0090] 1 Business support equipment 2 Storage section 3. Control Unit 4. Communication Interface Section 5 Input / Output Interface Section 6 Input devices 7 Output device 11 Server equipment 21. Master of benchmark interest rates 22 Repayment Pattern Master 23 Loan interest rate data storage unit 24 Calculation result storage unit 25 Contract Data Storage Unit 31 Acquisition Department 32 Contract Data Creation Department 33 Calculation Section 34 Output Control Unit

Claims

1. An acquisition unit that acquires a repayment pattern code assigned according to the product characteristics of the loan product entered by the user, A contract data creation unit refers to a repayment pattern master in which the contract product, interest rate type category, and spread are associated and stored for each of the aforementioned repayment pattern codes, identifies the spread associated with the repayment pattern code acquired by the acquisition unit, and creates contract data including the spread. An output control unit that outputs the created contract data to the output target device, A business support device equipped with the following features.

2. The aforementioned contract data creation unit further, By referring to the repayment pattern master, identify the interest rate type category associated with the repayment pattern code, For each interest rate category, the system refers to the base interest rate master, which stores the revision date and base interest rate associated with the revised base interest rate, and identifies the base interest rate associated with the identified interest rate category. The business support device according to claim 1.

3. moreover, The system includes a calculation unit that calculates the loan interest rate based on the spread and the benchmark interest rate identified by the contract data creation unit, The aforementioned contract data creation unit, Create the contract data including the calculated loan interest rate. The business support device according to claim 2.

4. The calculation unit described above, The monthly loan interest rate is calculated from the aforementioned loan interest rate. The aforementioned contract data creation unit, Create the contract data including the calculated monthly loan interest rate. The business support device according to claim 3.

5. The calculation unit described above, Based on the aforementioned monthly loan interest rate, the loan interest rate levy is calculated. Based on the calculated loan interest rate, the monthly repayment amount is calculated, The aforementioned contract data creation unit, To create the aforementioned contract data, including the aforementioned monthly repayment amount, The business support device according to claim 4.

6. The acquisition step involves the acquisition unit acquiring a repayment pattern code, which is assigned according to the characteristics of the loan product for which a loan agreement has been made, and which is entered by the user. A contract data creation step involves the contract data creation unit referring to a repayment pattern master in which the contract product, interest rate type classification, and spread are associated and stored for each repayment pattern code, identifying the spread associated with the repayment pattern code acquired by the acquisition unit, and creating contract data including the spread. The output control unit performs an output control step in which it outputs the created contract data to the output target device. A business support method that includes [the following].

7. Computers, An acquisition unit that acquires a repayment pattern code assigned according to the product characteristics of the loan product entered by the user, A contract data creation unit refers to a repayment pattern master in which the contract product, interest rate type category, and spread are associated and stored for each of the aforementioned repayment pattern codes, identifies the spread associated with the repayment pattern code acquired by the acquisition unit, and creates contract data including the spread. Output control unit outputs the created contract data to the output target device. A business support program designed to function as such.

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