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

Abstract

This enables the renewal of loan product interest rates to be carried out quickly and easily. [Solution] The system detects contract data for loan products contracted by each customer, which includes the previous interest rate change month indicating the last month in which the interest rate was changed, the next interest rate change month indicating the next month in which the interest rate is scheduled to change, the contract interest rate, and the spread which is the interest rate added to the base interest rate. The system then detects contract data that includes the next interest rate change month corresponding to the specified interest rate change month (interest rate change target). The system calculates the contract interest rate after the change by adding the spread included in the contract data detected as an interest rate change target to the latest base interest rate detected from the base interest rate master table. The system then updates the contract interest rate of the contract data detected as an interest rate change target with the calculated contract interest rate after the change.

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] Patent Document 1 (Japanese Patent No. 7576364) discloses a refinancing support system that proposes asset management at the timing of loan refinancing.

[0003] In paragraph 0017 of this Patent Document 1, a technique is disclosed in which in a repayment simulation calculation step, based on current loan repayment information, interest rate information after refinancing is added to calculate a refinancing repayment simulation, and the calculated refinancing repayment simulation is output. The interest rate information after refinancing also describes the selection of fixed / variable, the selected current interest rate, and future interest rates.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] Here, in the conventional interest rate change business, for each contract, the interest rate change timing was individually examined, and then the interest rate was changed. For this reason, there was a problem that it took a lot of time to examine whether or not the interest rate should be changed, which imposed a burden on the person in charge.

[0006] The present invention has been made in view of the above problems, and an object thereof is to provide a business support device, a business support method, and a business support program that can quickly and easily execute the update business of the contract interest rate of loan products and reduce the burden on the person in charge.

Means for Solving the Problems

[0007] The business support device according to the present invention is a business support device that supports the renewal of contract interest rates in loan operations, in which loan funds are lent to customers and repayment amounts are collected for each installment period, which is divided into multiple repayment periods.To solve the above problems and achieve the objective, the device includes: an interest rate change target detection unit that detects contract data that includes the next interest rate change month corresponding to a specified interest rate change month from contract data of loan products contracted by each customer, which includes the previous interest rate change month indicating the previous month and year in which the interest rate was changed, the next interest rate change month indicating the next month and year in which the interest rate is scheduled to be changed, the contract interest rate, and the spread which is the interest rate added to the base interest rate, as targets for interest rate changes; a variable interest rate calculation unit that calculates the contract interest rate that will be the changed interest rate by adding the spread included in the contract data detected as a target for interest rate changes to the latest base interest rate detected by referring to a base interest rate master table in which the base interest rate revised on each revision date is stored along with the revision date; and a contract interest rate update processing unit that updates the contract interest rate of the contract data detected as a target for interest rate changes with the calculated contract interest rate that will be the changed interest rate.

[0008] Furthermore, the business support method according to the present invention is a business support method for a business support device that supports the contract interest rate renewal business in loan business, in which loan funds are lent to customers and repayment amounts are collected for each installment period, which is divided into multiple repayment periods, and in order to solve the above problems and achieve the objective, the interest rate change target detection unit is a contract data of the loan product contracted by each customer, and among the contract data including the previous interest rate change year and month indicating the previous year and month in which the interest rate was changed, the next year and month in which the interest rate change is scheduled to be changed, the contract interest rate, and the spread which is the interest rate added to the base interest rate, in the specified interest rate change year and month The system includes: an interest rate change target detection step that detects contract data including the corresponding next interest rate change month and year as subject to interest rate changes; a variable interest rate calculation step in which a variable interest rate calculation unit calculates the contract interest rate that will be the changed interest rate by adding the spread included in the contract data detected as subject to interest rate changes to the latest standard interest rate detected by referring to a standard interest rate master table in which the standard interest rate revised on each revision date is stored along with the revision date; and a contract interest rate update processing step in which a contract interest rate update processing unit updates the contract interest rate of the contract data detected as subject to interest rate changes with the calculated contract interest rate that will be the changed interest rate.

[0009] Furthermore, the business support program according to the present invention is a business support program that enables the operation of a computer in a business support device that supports the contract interest rate renewal operation in loan operations, in which loan funds are lent to customers and repayment amounts are collected for each installment period into which the repayment period is divided into multiple installments. In order to solve the above problems and achieve the objective, the computer includes contract data for the loan product contracted by each customer, which includes the previous interest rate change month and year indicating the previous month and year in which the interest rate was changed, the next interest rate change month and year indicating the next month and year in which the interest rate is scheduled to be changed, the contract interest rate, and the spread which is the interest rate added to the base interest rate. The system functions as an interest rate change detection unit that detects contract data containing the next interest rate change month corresponding to a specified interest rate change month as subject to interest rate changes, a variable interest rate calculation unit that calculates the contract interest rate after the change by adding the spread included in the detected contract data to the latest standard interest rate detected by referring to a standard interest rate master table that stores the standard interest rate revised on each revision date along with the revision date, and a contract interest rate update processing unit that updates the contract interest rate of the detected contract data as subject to interest rate changes with the calculated contract interest rate after the change. [Effects of the Invention]

[0010] This invention enables the renewal of loan product contract interest rates to be carried out quickly and easily, thereby reducing the burden on the person in charge. [Brief explanation of the drawing]

[0011] [Figure 1] Figure 1 is a block diagram showing the hardware configuration of the business support device according to the embodiment. [Figure 2] Figure 2 shows an example of a repayment pattern master table. [Figure 3] Figure 3 shows an example of a benchmark interest rate master table. [Figure 4] Figure 4 shows the data structure of contract data stored in the contract data storage unit. [Figure 5]Figure 5 is a diagram showing the flow of the first half of the automatic contract interest rate change operation in the business support device of the embodiment. [Figure 6] Figure 6 shows the flow of the latter half of the automatic contract interest rate change operation in the business support device of the embodiment. [Figure 7] Figure 7 shows an example of an interest rate setting screen. [Figure 8] Figure 8 shows an example of contract data generated based on input entered by the representative via the interest rate setting screen. [Figure 9] Figure 9 shows how contract data, where the execution date entered by the person in charge is set as the next interest rate change date, is detected as subject to interest rate changes. [Figure 10] Figure 10 shows how the latest revised benchmark interest rate is retrieved from the benchmark interest rate master table. [Figure 11] Figure 11 shows an example of updating the contract interest rate in contract data. [Figure 12] Figure 12 shows an example of updating the contract data for the next interest rate change month and the previous interest rate change month. [Figure 13] Figure 13 shows how the latest revision date's benchmark interest rate has been set in the benchmark interest rate master table. [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] In the lending business, variable-rate loans have different interest rate review cycles depending on the product's characteristics. Therefore, it is necessary to develop a cycle control logic for each product. In interest rate change operations, the timing of interest rate changes is generally examined individually for each contract before the change is implemented. This meant that a significant amount of time was required to determine whether or not to change the interest rate, placing a burden on the staff.

[0014] Here, the timing of interest rate change can be determined according to the product characteristics of financial products (such as the length of the loan period and the amount of the loan). Therefore, the business support device of the embodiment sets the timing of interest rate change in the master table according to the product characteristics of loan products, thereby presetting the cycle of interest rate change, and automatically determining whether the time for interest rate change has arrived based on this cycle of interest rate change. Then, the contract data for which the change time has arrived is processed in a batch.

[0015] The business support device of the embodiment performs the interest rate update operation at the timing corresponding to the product characteristics of loan products in this way. Thereby, the update of the contract interest rate is enabled without depending on the level of the operator and without imposing a burden on the person in charge.

[0016] (Hardware Configuration) FIG. 1 shows the hardware configuration of the business support device 1 of the embodiment. The business support device 1 of the embodiment is a terminal device of a loan company, and 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.

[0017] 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.

[0018] The communication interface unit 4 is connected to a network 50 such as a wide area network such as the Internet or a private network such as a LAN (Local Area Network). A customer terminal device 51 and a bank terminal device 52 of the bank where the customer's account is opened are connected to this network 50.

[0019] The customer accesses the business support device 1 via the customer terminal device 51 to contract for the desired loan product and borrow money. The customer also accesses the bank terminal device 52 via the customer terminal device 51 to make monthly repayments to the loan company (performs a deposit operation to the loan company).

[0020] 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.

[0021] Memory unit 2 stores a business support program that aims to reduce the burden on staff by quickly and easily performing the task of updating the contract interest rates of loan products.

[0022] Furthermore, this memory unit 2 is equipped with a repayment pattern master table 11, a standard interest rate master table 12, and a contract data storage unit 13, which are memory areas.

[0023] As shown in Figure 2, the repayment pattern master table 11 stores associated repayment pattern codes, interest rate fluctuation period classifications, the first interest rate fluctuation month, the second interest rate fluctuation month, and the interest rate cycle month.

[0024] The repayment pattern code is a unique code assigned to each loan product. Figure 2 shows an example where the repayment pattern code "HP1" is assigned to a long-term education loan product, and the repayment pattern code "HP2" is assigned to a short-term education loan product.

[0025] The interest rate fluctuation period classification indicates whether the contract interest rate of the loan product is renewed at predetermined intervals or in designated fixed months. If the contract interest rate of the loan product is renewed at predetermined intervals, the interest rate fluctuation period classification "2: Cycle" is set. If the contract interest rate of the loan product is renewed in designated fixed months, the interest rate fluctuation period classification "1: Fixed Month" is set.

[0026] The first and second interest rate fluctuation months are the information that specifies the fixed month when the interest rate fluctuation period category "1: Fixed Month" is set. Figure 2 shows an example where "June" is set as the first interest rate fluctuation month and "November" is set as the second interest rate fluctuation month. In other words, in this example, it indicates that the contract interest rate will be renewed in "June" and "November".

[0027] The interest rate cycle month indicates the number of months in a cycle for the interest rate fluctuation period in "2: Cycle". The example in Figure 2 shows that the contract interest rate is renewed every six months. In other words, in the example in Figure 2, the contract interest rate is renewed every six months.

[0028] The benchmark interest rate master table 12 stores the revision date, interest rate category, and revised benchmark interest rate each time the contract interest rate is revised (in other words, it stores historical data of the benchmark interest rate). The interest rate category indicates the type of benchmark interest rate; for example, interest rate category "1" indicates that the contract interest rate of the loan product is the "long-term prime rate," and interest rate category "2" indicates that the contract interest rate of the loan product is the "short-term prime rate."

[0029] As shown in Figure 4, the contract data storage unit 13 stores contract data including contract number, product code, repayment pattern code, interest rate category, previous interest rate change month and year, next interest rate change month and year, interest rate change period category, first interest rate change month, second interest rate change month, interest rate cycle month, contract interest rate and spread (interest margin), etc. This contract data is generated by the data generation unit 24 based on the input content entered by the person in charge at the time of contracting the loan product, and is stored in the contract data storage unit 13.

[0030] The contract number is automatically assigned and added by the data generation unit 24. The product code is a unique number assigned to the loan product contracted by the customer. The repayment pattern code is a unique number assigned to the product characteristics (repayment pattern) of the loan product contracted by the customer, such as a long-term education loan or a short-term education loan, and is assigned by referencing the repayment pattern master table 11.

[0031] As explained using Figure 2, the interest rate category is also added by referencing the repayment pattern master table 11. The input field for the previous interest rate change month and year is entered with the month and year in which the contract interest rate was last changed. The input field for the next interest rate change month and year is entered with the month and year in which the next contract interest rate change is scheduled.

[0032] The interest rate fluctuation period category is entered as the interest rate fluctuation period category corresponding to the repayment pattern code assigned to the loan product, from among "1: Fixed Month" or "2: Cycle" set in the repayment pattern master table 11 as explained using Figure 2.

[0033] For the first and second interest rate fluctuation months, if the "1: Fixed Month" interest rate fluctuation period category is set, the desired months for changing the contract interest rate, such as "June" and "November," will be entered. For the interest rate cycle months, if the "2: Cycle" interest rate fluctuation period category is set, the cycle months for changing the contract interest rate, such as "Every 6 Months," will be entered.

[0034] The contract interest rate is set at the rate calculated at the time of the previous change in the contract interest rate. The method for calculating the contract interest rate will be described later. The spread is the interest rate (interest margin) that is added to the base interest rate at the time of the change when calculating the contract interest rate.

[0035] (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 a detection unit 21, calculation unit 22, update processing unit 23, data generation unit 24, and display control unit 25, as shown in Figure 1.

[0036] The detection unit 21 includes the functions of the interest rate cycle month detection unit 26 and the interest rate change target detection unit 27. The calculation unit 22 includes the functions of the variable interest rate calculation unit 28 and the next interest rate change year and month calculation unit 29. The update processing unit 23 includes the functions of the contract interest rate update processing unit 30 and the next interest rate change year and month update processing unit 31.

[0037] In this example, the detection unit 21 to the next interest rate fluctuation month and year update processing unit 31 are described as being implemented in software based on the business support program. However, all or part of the detection unit 21 to the next interest rate fluctuation month and year update processing unit 31 may be implemented in hardware. In either case, the same effects as described later can be obtained.

[0038] The interest rate fluctuation detection unit 27 detects contract data for loan products contracted by each customer, which includes the previous interest rate fluctuation month indicating the last month in which the interest rate was changed, the next interest rate fluctuation month indicating the next month in which the interest rate is scheduled to change, the contract interest rate, and the spread which is the interest rate added to the base interest rate, as interest rate fluctuation targets (see Figure 9).

[0039] The variable interest rate calculation unit 28 calculates the contract interest rate after the change by adding the spread included in the contract data detected as subject to interest rate fluctuations (see Figure 9) to the latest base interest rate detected by referring to the base interest rate master table 12, which stores the base interest rate revised on each revision date along with the revision date (see Figure 10).

[0040] The contract interest rate update processing unit 30 updates the contract interest rate of the contract data detected as subject to interest rate fluctuations with the calculated contract interest rate after the change (see Figure 11).

[0041] The interest rate cycle month detection unit 26 refers to the repayment pattern master table 11, which stores the interest rate cycle months that indicate the interest rate renewal period set for each loan product, and detects the interest rate cycle months corresponding to the loan product that the customer has contracted (see Figure 2).

[0042] The next interest rate change calculation unit 29 calculates a new next interest rate change month by adding the number of months in the interest rate cycle detected from the repayment pattern master table 11 to the next interest rate change month of the contract data detected as subject to interest rate changes.

[0043] The next interest rate change month update processing unit 31 updates the next interest rate change month item of the contract data detected as subject to interest rate changes with the newly calculated next interest rate change month value (see Figure 12).

[0044] Furthermore, the next interest rate change month update processing unit 31 updates the previous interest rate change month item of the contract data detected as subject to interest rate changes using the value of the next interest rate change month before the update process (see the next interest rate change month in Figure 11 and the previous interest rate change month in Figure 12).

[0045] Furthermore, the contract data is accompanied by either a first fluctuation category indicating that the contract data is one in which the interest rate fluctuation month falls within a specified fixed month, or a second fluctuation category indicating that the contract data is one in which the interest rate fluctuation month falls within each interest rate cycle month. In addition, if the first fluctuation category is accompanied by a first interest rate fluctuation month and a second interest rate fluctuation month, which are designated as different fixed months, are also accompanied by a first interest rate fluctuation month and a second interest rate fluctuation month, respectively (see Figures 11 and 12).

[0046] The next interest rate change month update processing unit 31 updates the next interest rate change month item of the contract data detected as subject to interest rate changes with the value of the interest rate change month that is closer to the present, between the first interest rate change month and the second interest rate change month, if the first interest rate change month (fixed month) has been assigned to the contract data detected as subject to interest rate changes (see the second line of Figure 11 and the second line of Figure 12).

[0047] Furthermore, if a second fluctuation category is added to the contract data detected as subject to interest rate fluctuations, the next interest rate fluctuation month item of the contract data detected as subject to interest rate fluctuations is updated with the value of the month obtained by adding the number of months in the interest rate cycle to the previous interest rate fluctuation month (see the first row of Figure 11 and the first row of Figure 12).

[0048] (Automatic change of contract interest rate) Next, Figures 5 and 6 show the flow of the automatic contract interest rate change operation in the business support device 1 of the embodiment. Figures 5 and 6 are consecutive figures and show the flow of a series of operations for the automatic contract interest rate change operation.

[0049] (Step S1) First, in step S1, the person in charge specifies the display of the interest rate setting screen via the input device 6. In response to this specification, the display control unit 25 displays the interest rate setting screen exemplified in Figure 7 via the output device 7. The person in charge inputs interest rate fluctuation setting information such as the repayment pattern code, contract interest rate, loan disbursement date, and spread corresponding to the product characteristics of the loan product contracted by the customer, to this interest rate setting screen, and then operates the execute button.

[0050] When the execute button is pressed, the data generation unit 24 inputs the automatically assigned contract number into the contract data as shown in Figure 8. The data generation unit 24 also inputs the repayment pattern code, contract interest rate, and spread entered on the interest rate setting screen into the contract data as shown in Figure 8.

[0051] Furthermore, the data generation unit 24 refers to the repayment pattern master table 11 shown in Figure 2 based on the repayment pattern code entered by the person in charge, and enters the interest rate category, interest rate fluctuation period category, first interest rate fluctuation month, second interest rate fluctuation month, and fluctuation cycle month corresponding to the entered repayment pattern code into the contract data. Note that if the interest rate fluctuation period category is "1: Fixed month", the input for the fluctuation cycle month in the contract data will be left blank (no data input). If the interest rate fluctuation period category is "2: Cycle", the input for the first and second interest rate fluctuation months in the contract data will be left blank (no data input).

[0052] Furthermore, the data generation unit 24 inputs the loan disbursement date entered on the interest rate setting screen into the input field for the previous interest rate change month and year in the contract data, as shown in Figure 8. The input field for the product code in the contract data is entered with a unique product code that is associated with each repayment pattern code and set in the product code master table (not shown).

[0053] (Step S2) Next, in step S2, the interest rate fluctuation target detection unit 27 detects contract data (interest rate fluctuation targets) in which the execution month and year entered by the person in charge are set as the next interest rate fluctuation month and year, as shown in Figure 9. Figure 9 is an example in which two contract data, contract numbers "211" and "212", are detected as interest rate fluctuation targets, with "December 2024" entered as the execution month and year, and correspondingly "December 2024" set as the next interest rate fluctuation month and year.

[0054] Next, the interest rate cycle month detection unit 26 detects the timing of interest rate changes based on the interest rate change timing classification of the contract data detected as subject to interest rate fluctuations. Specifically, in the example in Figure 9, for contract data with contract number "211", the repayment pattern code is "HP1: Education Loan (Long-Term)" and the interest rate change timing classification is "2: Cycle". Therefore, the interest rate cycle month detection unit 26 detects "6 months", which is set as the number of months in the contract data's fluctuation cycle, as the timing of the interest rate change.

[0055] Furthermore, in the example shown in Figure 9, for contract data with contract number "212", the repayment pattern code is "HP2: Education Loan (Short-Term)" and the interest rate fluctuation period category is "1: Fixed Month". Therefore, the interest rate cycle month detection unit 26 detects "June" and "December", which are set as the first and second interest rate fluctuation months in this contract data, as the timing of the interest rate fluctuation.

[0056] (Step S3) Next, in step S3, the next interest rate change month calculation unit 29 calculates the next interest rate change month for the contract data subject to interest rate changes detected by the interest rate change target detection unit 27 by performing the following calculation.

[0057] 1. When the interest rate fluctuation period category is "1: Fixed month" Next interest rate change month = The month following the previous interest rate change month, whichever is closer to the present: the first interest rate change month or the second interest rate change month. 2. When the interest rate fluctuation period category is "2: Cycle" Next interest rate change month and year = Next interest rate change month and year + XX months (XX = value of the interest rate cycle month)

[0058] In the case of the contract data for contract number "212" shown in Figure 9, the interest rate fluctuation period classification is "1: Fixed month," and "June" and "December" are set as the first and second interest rate fluctuation months. In this example, since the month to which the current date belongs is "December 2024 (the execution month mentioned above)," the next interest rate fluctuation month calculation unit 29 calculates "June 2025," which is the month following "December 2024 (the execution month mentioned above)" and is close to "December 2024 (the execution month mentioned above)," as the next interest rate fluctuation month for the contract data for contract number "212."

[0059] As shown in Figure 12, the Next Interest Rate Fluctuation Date Update Processing Unit 31 updates the next interest rate fluctuation date of the contract data for contract number "212" with the calculated "June 2025". At the same time, the Next Interest Rate Fluctuation Date Update Processing Unit 31 also updates the previous interest rate fluctuation date item of the contract data for contract number "212", which was detected as subject to interest rate fluctuations, using the value of "December 2024", which was the next interest rate fluctuation date before the update process, as shown in Figure 12. This allows the next interest rate fluctuation date corresponding to that loan product to be automatically updated and set.

[0060] Furthermore, in the case of the contract data for contract number "211" shown in Figure 9, the interest rate fluctuation period classification is "2: Cycle," and the interest rate cycle length is set to "6 months." Therefore, the next interest rate fluctuation month calculation unit 29 calculates "June 2025" as the new next interest rate fluctuation month for the contract data for contract number "211" by performing the calculation "Next interest rate fluctuation month December 2024 + Interest rate cycle length 6 months."

[0061] As shown in Figure 12, the Next Interest Rate Fluctuation Date Update Processing Unit 31 updates the next interest rate fluctuation date of the contract data for contract number "211" with the calculated "June 2025". At the same time, the Next Interest Rate Fluctuation Date Update Processing Unit 31 also updates the previous interest rate fluctuation date item of the contract data for contract number "211", which was detected as subject to interest rate fluctuations, using the value of "December 2024", which was the next interest rate fluctuation date before the update process, as shown in Figure 12. This allows the next interest rate fluctuation date corresponding to that loan product to be automatically updated and set.

[0062] (Steps S4 to S6) Next, in steps S4 to S6 shown in Figure 6, the interest rate after the change is calculated for the contract data detected as subject to interest rate changes by the interest rate change detection unit 27, as shown in Figure 9.

[0063] In this case, the variable interest rate calculation unit 28 obtains the "interest rate category" for each contract data detected as subject to interest rate fluctuations. In the example in Figure 9, the interest rate category for the contract data with contract number "211" is "1", and the interest rate category for the contract data with contract number "212" is "2".

[0064] Furthermore, as shown in Figure 10, the variable interest rate calculation unit 28 refers to the base interest rate master table 12 and obtains a base interest rate of "1.0" on July 1, 2024, which is the latest revision date corresponding to the interest rate category of "1," as the base interest rate for the contract data with contract number "211." Also, as shown in Figure 10, the variable interest rate calculation unit 28 refers to the base interest rate master table 12 and obtains a base interest rate of "1.5" on July 1, 2024, which is the latest revision date corresponding to the interest rate category of "2," as the base interest rate for the contract data with contract number "212."

[0065] The variable interest rate calculation unit 28 then calculates the contract interest rate for each contract data by performing the following calculations.

[0066] Contract interest rate = Spread of contract data + Base interest rate as of the latest revision date

[0067] In this example, for the contract data with contract number "211", the base interest rate of "1.0" as of the latest revision date, July 1, 2024, has been obtained. Therefore, the variable interest rate calculation unit 28 calculates a contract interest rate of "1.8%" as the contract interest rate for the contract data with contract number "211" by performing the calculation "base interest rate spread of 0.8% + base interest rate of 1.0%".

[0068] Similarly, in this example, for the contract data with contract number "212", the base interest rate of "1.5" as of the latest revision date of July 1, 2024, has been obtained. Therefore, the variable interest rate calculation unit 28 calculates a contract interest rate of "2.3%" as the contract interest rate for the contract data with contract number "212" by performing the calculation "base interest rate spread of 0.8% + base interest rate of 1.5%".

[0069] As shown in Figure 11, the contract interest rate update processing unit 30 updates the contract interest rate of the contract data for contract number "211" to "1.8%", and also updates the contract interest rate of the contract data for contract number "212" to "2.3%".

[0070] (Step S7) Next, in step S7, the update processing unit 23 stores the new base interest rate in the base interest rate master table 12 with the new revision date when the base interest rate has been changed. Specifically, Figure 13(a) shows the base interest rate master table 12 before the update.

[0071] In this state, the person in charge enters "1.5%" as the base interest rate with interest rate category "2" and a revision date of July 1, 2024, via the base interest rate update screen shown in Figure 13(b). The update processing unit 23 stores the base interest rate of "1.5%" entered via the base interest rate update screen in the base interest rate master table 12, along with the revision date of "July 1, 2024" and the interest rate category "2", as shown in Figure 13(c).

[0072] As a result, the benchmark interest rate master table 12 stores the benchmark interest rate revised on each revision date, much like historical data. Of the benchmark interest rates stored in the benchmark interest rate master table 12, the benchmark interest rate on the most recent revision date is used when calculating the contract interest rate as described above.

[0073] (Effects of the embodiment) As is clear from the above description, the business support device 1 of the embodiment automatically identifies the cycle and determines whether the interest rate change period has arrived or not, based on the specified product characteristics (repayment pattern) of the loan product, if the interest rate change timing is cyclical. Then, if the time for the interest rate change has arrived, it executes the interest rate change processing. Since this series of processes can be automated, it is possible to perform business operations regardless of the operator's skill level.

[0074] Furthermore, the business support device of this embodiment can obtain the following effects.

[0075] 1. The interest rate fluctuation cycle can be determined by the characteristics of the loan product. 2. You can identify contracts subject to interest rate fluctuations by referring to the settings. 3. Interest rates can be specified for the identified contract.

[0076] [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.

[0077] Furthermore, this invention can contribute to reducing waste and promoting paperless and digital processes, thereby contributing to SDGs Goals 12, 13, and 15.

[0078] Furthermore, this invention can contribute to strengthening control and governance, and therefore can contribute to achieving the 16 goals of the SDGs.

[0079] [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.

[0080] 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.

[0081] Furthermore, unless otherwise specified, the processing procedures, control procedures, specific names, registration data for each process, information including search conditions and other parameters, screen examples, and database configuration shown in the specification or drawings can be changed at will.

[0082] 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.

[0083] 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.

[0084] 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.

[0085] 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.

[0086] 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.

[0087] 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.

[0088] 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.

[0089] 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.

[0090] 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.

[0091] 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 device is 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.

[0092] 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]

[0093] This invention is particularly suitable for application to the renewal of contract interest rates for loan products and the like. [Explanation of symbols]

[0094] 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. Repayment Pattern Master Table 12. Master Table of Benchmark Interest Rates 13 Contract Data Storage Unit 21 Detection unit 22 Calculation Section 23 Update Processing Unit 24 Data Generation Unit 25 Display Control Unit 26 Interest Rate Cycle Month Detection Unit 27 Interest Rate Fluctuation Detection Unit 28 Variable Interest Rate Calculation Section 29. Next Interest Rate Fluctuation Month Calculation Section 30 Contract Interest Rate Renewal Processing Unit 31 Next Interest Rate Change Date Update Processing Unit 50 Networks 51 Customer terminal device 52 Bank terminal equipment

Claims

1. In loan operations, which involve providing loans to customers and collecting repayment amounts for each installment period divided into multiple installments, a business support device that assists in the renewal of contract interest rates, The interest rate change detection unit detects contract data for loan products contracted by each customer, which includes the previous interest rate change month indicating the last month in which the interest rate was changed, the next interest rate change month indicating the next month in which the interest rate is scheduled to change, the contract interest rate, and the spread which is the interest rate added to the base interest rate, and identifies contract data that includes the next interest rate change month corresponding to the specified interest rate change month as interest rate change target. A variable interest rate calculation unit calculates the contract interest rate that will be the interest rate after the change by adding the spread included in the contract data detected as the interest rate subject to change to the latest benchmark interest rate detected by referring to the benchmark interest rate master table in which the benchmark interest rate revised on each revision date is stored, along with the revision date. A contract interest rate update processing unit updates the contract interest rate of the contract data detected as subject to interest rate fluctuations with the contract interest rate which is the calculated variable interest rate, A business support device having the following features.

2. An interest rate cycle month detection unit detects the interest rate cycle month corresponding to the loan product contracted by the customer by referring to a repayment pattern master table which stores the interest rate cycle month indicating the interest rate renewal period set for each loan product, A next interest rate change month calculation unit calculates a new next interest rate change month by adding the number of interest rate cycle months detected from the repayment pattern master table to the next interest rate change month of the contract data detected as subject to the interest rate change, The system further includes a next interest rate change month update processing unit that updates the next interest rate change month item of the contract data detected as subject to interest rate changes with the newly calculated next interest rate change month value, The business support device according to claim 1, characterized by the following:

3. The next interest rate change month update processing unit updates the previous interest rate change month item of the contract data detected as an interest rate change target using the value of the next interest rate change month before the update processing. The business support device according to claim 2, characterized by the following:

4. The contract data is accompanied by a first fluctuation category indicating that the contract data is one in which the interest rate fluctuation month falls within a specified fixed month, or a second fluctuation category indicating that the contract data is one in which the interest rate fluctuation month falls within each of the interest rate cycle months. Furthermore, if the first fluctuation category is accompanied by a first interest rate fluctuation month and a second interest rate fluctuation month, each designated as a different fixed month, are also accompanied by the contract data. The aforementioned next interest rate change month update processing unit is: If the contract data detected as subject to interest rate fluctuations has the first fluctuation category attached to it, the next interest rate fluctuation month of the contract data detected as subject to interest rate fluctuations is updated with the interest rate fluctuation month that is closer to the present among the first interest rate fluctuation month and the second interest rate fluctuation month. If the contract data detected as subject to interest rate fluctuations has the second fluctuation category attached to it, the next interest rate fluctuation month of the contract data detected as subject to interest rate fluctuations is updated with the month obtained by adding the interest rate cycle month to the previous interest rate fluctuation month. A business support device according to claim 2 or claim 3, characterized by the above.

5. In loan operations, which involve providing loans to customers and collecting repayment amounts for each installment period divided into multiple installments, a business support method for a business support device that assists in the renewal of contract interest rates, The interest rate change detection unit detects contract data for loan products contracted by each customer, which includes the previous interest rate change month indicating the last month in which the interest rate was changed, the next interest rate change month indicating the next month in which the interest rate is scheduled to change, the contract interest rate, and the spread which is the interest rate added to the base interest rate, and identifies contract data that includes the next interest rate change month corresponding to the specified interest rate change month as interest rate change target. A variable interest rate calculation step involves the variable interest rate calculation unit calculating the contract interest rate after the change by adding the spread included in the contract data detected as the interest rate subject to change to the latest base interest rate detected by referring to the base interest rate master table which stores the base interest rate revised on each revision date along with the revision date, and The contract interest rate update processing step involves the contract interest rate update processing of the contract data detected as subject to interest rate fluctuations by the contract interest rate update processing, in which the contract interest rate update processing unit updates the contract interest rate of the contract data detected as subject to interest rate fluctuations with the contract interest rate which is the calculated interest rate after the change. A business support method that has the following characteristics.

6. In loan operations, which involve providing loan funds to customers and collecting repayment amounts for each installment period divided into multiple periods, a business support program is provided to activate the computer of a business support device that assists in the renewal of contract interest rates. The aforementioned computer, The interest rate change detection unit detects contract data for loan products contracted by each customer, which includes the previous interest rate change month indicating the last month in which the interest rate was changed, the next interest rate change month indicating the next month in which the interest rate is scheduled to change, the contract interest rate, and the spread which is the interest rate added to the base interest rate, and identifies contract data that includes the next interest rate change month corresponding to the specified interest rate change month as interest rate change target. A variable interest rate calculation unit calculates the contract interest rate that will be the interest rate after the change by adding the spread included in the contract data detected as the interest rate subject to change to the latest benchmark interest rate detected by referring to the benchmark interest rate master table in which the benchmark interest rate revised on each revision date is stored, along with the revision date. A contract interest rate update processing unit updates the contract interest rate of the contract data detected as subject to interest rate fluctuations with the contract interest rate which is the calculated variable interest rate. A business support program designed to function as such.

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