Loan management system, loan management method, and loan management program

Abstract

To provide a loan management system, a loan management method, and a loan management program that, when applying a preferential interest rate to a loan interest rate, can quickly review the preferential interest rate according to an achievement status of a preferential achievement condition of the preferential interest rate and reflect it in the loan interest rate.SOLUTION: A loan management system comprises: a preferential condition management master in which one or more preferential achievement conditions and a preferential interest rate are associated and registered; contract input means for inputting the preferential achievement conditions for target customer identification information, acquiring a preferential interest rate from the preferential condition management master using the input preferential achievement conditions as a key, and calculating a loan interest rate based on the acquired preferential interest rate; preferential interest rate review means for updating the preferential achievement conditions for the target customer identification information, acquiring the preferential interest rate from the preferential condition management master using the updated preferential achievement conditions as a key, and reviewing the preferential interest rate; and interest rate preferential review means for calculating the loan interest rate based on the reviewed preferential interest rate.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a loan management system, a loan management method, and a loan management program. [Background technology]

[0002] For example, a preferential interest rate may be applied when determining a loan interest rate (also called an "interest rate"). Conventionally, a system for determining a loan interest rate using a preferential interest rate is disclosed in, for example, Patent Document 1. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2005-107753 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the above-mentioned Patent Document 1 does not state anything about quickly reviewing the preferential interest rate and reflecting it in the loan interest rate depending on the status of achievement of the preferential interest rate conditions when applying the preferential interest rate to the loan interest rate.

[0005] The present invention has been made in consideration of the above, and aims to provide a loan management system, a loan management method, and a loan management program that, when applying a preferential interest rate to a loan interest rate, can quickly review the preferential interest rate depending on the status of achievement of the preferential interest rate's preferential conditions and reflect this in the loan interest rate. [Means for solving the problem]

[0006] In order to solve the above-mentioned problems and achieve the object, the present invention provides a loan management system equipped with a control unit, which is configured to be able to access a memory area that stores a preferential condition management master in which one or more preferential achievement conditions are associated with preferential interest rates, and which is characterized by comprising: a contract input means for inputting the preferential achievement conditions for the target customer identification information, obtaining a preferential interest rate from the preferential condition management master using the input preferential achievement conditions as a key, and calculating the loan interest rate based on the obtained preferential interest rate; a preferential interest rate review means for updating the preferential achievement conditions for the target customer identification information, obtaining the preferential interest rate from the preferential condition management master using the updated preferential achievement conditions as a key, and reviewing the preferential interest rate; and an interest rate preferential review means for calculating the loan interest rate based on the reviewed preferential interest rate.

[0007] According to one aspect of the present invention, the contract input means may store in the memory area customer identification information, preferential treatment achievement condition data including preferential treatment achievement conditions, contract data including customer identification information, loan amount, loan interest rate, and preferential interest rate, and repayment schedule data including customer identification information, repayment date, repayment amount, repayment principal, interest, and loan interest rate.

[0008] According to another aspect of the present invention, the preferential interest rate review means may update the preferential achievement condition data to the latest preferential achievement conditions, and store preferential interest rate review data including the preferential review year and month, customer identification information, and the preferential interest rate immediately after the review in the memory area.

[0009] According to one aspect of the present invention, the interest rate preferential review means may retrieve preferential interest rate review data from the storage area using the specified "preferential review year and month" as a key, retrieve contract data from the storage area using the customer identification information of the retrieved preferential interest rate review data as a key, calculate the reviewed loan interest rate as the loan interest rate in the retrieved contract data + (preferential interest rate in the retrieved contract data - preferential interest rate immediately after review in the retrieved preferential interest rate review data), recalculate and update the repayment schedule data from the "preferential review year and month" onwards using the calculated reviewed loan interest rate, and update the loan interest rate and preferential interest rate in the contract data to the reviewed information.

[0010] According to another aspect of the present invention, the preferential treatment achievement conditions may include whether or not the customer holds a card of the company, or whether or not the customer has a contract for another loan of the company.

[0011] Furthermore, in order to solve the above-mentioned problems and achieve the object, the present invention provides a loan management method executed by an information processing device equipped with a control unit, wherein the control unit is configured to be able to access a memory area that stores a preferential condition management master that associates one or more preferential achievement conditions with preferential interest rates, and the control unit executes a contract input process that inputs the preferential achievement conditions for the target customer identification information, obtains the preferential interest rate from the preferential condition management master using the input preferential achievement conditions as a key, and calculates the loan interest rate based on the obtained preferential interest rate; The method is characterized by including a preferential interest rate review process for updating the preferential achievement conditions for the target customer identification information, obtaining the preferential interest rate from the preferential condition management master using the updated preferential achievement conditions as a key, and reviewing the preferential interest rate, and an interest rate preferential review process for calculating the loan interest rate based on the reviewed preferential interest rate.

[0012] In addition, in order to solve the above-mentioned problems and achieve the object, the present invention provides a loan management program to be executed by an information processing device equipped with a control unit, wherein the control unit is configured to be able to access a memory area that stores a preferential condition management master in which one or more preferential achievement conditions are registered in association with preferential interest rates, and the loan management program is characterized by executing the following steps executed by the control unit: a contract input process for inputting the preferential achievement conditions for the target customer identification information, obtaining a preferential interest rate from the preferential condition management master using the input preferential achievement conditions as a key, and calculating the loan interest rate based on the obtained preferential interest rate; a preferential interest rate review process for updating the preferential achievement conditions for the target customer identification information, obtaining the preferential interest rate from the preferential condition management master using the updated preferential achievement conditions as a key, and reviewing the preferential interest rate; and an interest rate preferential review process for calculating the loan interest rate based on the reviewed preferential interest rate. [Effects of the Invention]

[0013] According to the present invention, when a preferential interest rate is applied to a loan interest rate, it is possible to quickly review the preferential interest rate depending on the status of achievement of the preferential interest rate conditions and reflect it in the loan interest rate. [Brief explanation of the drawings]

[0014] [Figure 1] FIG. 1 is a block diagram showing an example of the configuration of a loan management system according to the present embodiment. [Figure 2] FIG. 2 is a diagram showing an example of the configuration and relationship of the preferential condition management master, contract data, preferential achievement condition data, repayment schedule data, and preferential interest rate review data. [Figure 3] FIG. 3 is a flowchart illustrating an outline of the overall processing of the control unit of the loan management system according to this embodiment. [Figure 4] FIG. 4 is a diagram for explaining a specific example of the processing of the control unit of the loan management system according to the present embodiment. [Figure 5] FIG. 5 is a diagram for explaining a specific example of the processing of the control unit of the loan management system according to the present embodiment. [Figure 6] FIG. 6 is a diagram for explaining a specific example of the process performed by the control unit of the loan management system according to the present embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0015] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail with reference to the accompanying drawings. However, the present invention is not limited to the embodiment.

[0016] [1. Overview] For example, when determining the loan interest rate (also called "interest rate"), preferential interest rates may be applied. For example, due to competition with other companies, loan product interest rates are set by each company introducing its own campaigns and preferential interest rate measures to reduce loan interest rates and attract customers.

[0017] The preferential interest rate was applied based on the status of achieving the preferential conditions at the time of loan application, and was not reviewed even if the status changed until full repayment, which put pressure on profits. In addition, fairness among customers could not be ensured by not reviewing the loan interest rate even if the preferential conditions changed during the repayment period.

[0018] In this case, there is currently a function that allows the loan interest rate to be adjusted based on the base interest rate, but the adjustments are made twice a year or once a year, which creates a time lag when the status of preferential treatment is reviewed.

[0019] Therefore, in this embodiment, when a preferential interest rate is applied to the loan interest rate, the preferential interest rate is quickly reviewed depending on the status of achievement of the preferential interest rate's preferential achievement conditions and reflected in the loan interest rate, thereby managing the preferential interest rate and the loan interest rate appropriately (flexibly).

[0020] Specifically, in this embodiment, the preferential interest rate is managed as a component of the loan interest rate, and is registered at the time of contract registration, making it possible to centrally manage products with a variety of preferential treatment measures.In addition, by reviewing the preferential interest rate and changing the loan interest rate if the initial preferential treatment achievement conditions are no longer met during the repayment period, profits are improved and fairness among customers is ensured.

[0021] In addition, in this embodiment, a unique cycle (monthly at the shortest) is set so that there is no time lag between the review of the preferential treatment achievement status and the review, and the loan interest rate can be reviewed at an early stage.

[0022] The loan management system of the present invention is widely applicable to the financial industry, such as the non-bank industry (money lending).

[0023] [2. Configuration] FIG. 1 is a block diagram showing an example of the configuration of a loan management system 100 according to this embodiment. The loan management system 100 is, for example, a commercially available desktop personal computer. Note that the loan management system 100 is not limited to a stationary information processing device such as a desktop personal computer, but may also be a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer. In FIG. 1, the loan management system 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. The units included in the loan management system 100 are connected to each other so as to be able to communicate with each other via any communication path.

[0024] The communication interface unit 104 communicatively connects the loan management system 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via the communication line. Here, the network 300 has a function of connecting the loan management system 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

[0025] An input device 112 and an output device 114 are connected to the input / output interface unit 108. The output device 114 may be a monitor (including a home television), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that functions as a pointing device in cooperation with a mouse. Note that hereinafter, the output device 114 may be referred to as the monitor 114.

[0026] Various databases, tables, files, etc. are stored in the storage unit 106. Computer programs that work in conjunction with an OS (Operating System) to issue commands to a CPU (Central Processing Unit) to perform various processes are recorded in the storage unit 106. The storage unit 106 can be, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, etc.

[0027] The storage unit 106 stores various data such as the preferential condition management master 106a, contract data, preferential achievement condition data, repayment schedule data, preferential interest rate review data, etc. Fig. 2 is a diagram showing an example of the configuration and relationship of the preferential condition management master 106a, contract data, preferential achievement condition data, repayment schedule data, and preferential interest rate review data.

[0028] The preferential condition management master 106a is a master that sets a preferential interest rate for each of one or more preferential achievement conditions, and can be configured, for example, as a table that associates and registers preferential achievement condition 1, preferential achievement condition 2, and preferential interest rate.

[0029] The contract data may include customer identification information (e.g., customer number, branch number), loan amount, loan interest rate, and preferential interest rate.

[0030] The repayment schedule data may include customer identification information (for example, customer number, branch number), repayment date, repayment amount, repayment principal, interest, and loan interest rate.

[0031] The preferential treatment achievement condition data may include customer identification information (for example, customer number, sub-number), preferential treatment achievement condition 1, and preferential treatment achievement condition 2.

[0032] The preferential interest rate review data may include the preferential interest rate review year and month, customer identification information (e.g., customer number, branch number), and the preferential interest rate immediately after review.

[0033] Contract data, preferential achievement condition data, repayment schedule data, and preferential interest rate review data are linked by customer number and branch number.

[0034] The control unit 102 is a CPU or the like that performs overall control of the loan management system 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, and required data, and executes various information processing operations based on these stored programs.

[0035] The control unit 102 is configured to be able to access the preferential condition management master 106a, contract data, preferential achievement condition data, repayment schedule data, preferential interest rate review data, etc. stored in the storage unit 106. Note that the preferential condition management master 106a, contract data, preferential achievement condition data, repayment schedule data, preferential interest rate review data, etc. may be stored in another location (for example, the server 200) as long as the control unit 102 is able to access them.

[0036] The control unit 102 conceptually includes a master maintenance unit 102a, a contract input unit 102b, a preferential interest rate review unit 102c, a preferential interest rate review unit 102d, and a screen display control unit 102e.

[0037] The master maintenance unit 102a performs settings such as inputting, adding, changing, and updating data in the preferential conditions management master 106a in response to, for example, an operator's operation on a master maintenance screen (not shown) displayed on the monitor 114.

[0038] The contract input unit 102b inputs the preferential treatment achievement conditions for the target customer identification information, obtains the preferential interest rate from the preferential treatment condition management master 106a using the input preferential treatment achievement conditions as a key, and calculates the loan interest rate based on the obtained preferential interest rate.

[0039] Specifically, the contract input unit 102b, for example, in response to operator operations on the contract input screen (main screen, loan information input screen, preferential achievement condition input screen) displayed on the monitor 114, obtains a preferential interest rate from the preferential condition management master 106a using the input preferential achievement conditions as a key, calculates the loan interest rate based on the obtained preferential interest rate, and creates preferential achievement condition data including customer identification information and preferential achievement conditions, contract data including customer identification information, loan amount, loan interest rate, and preferential interest rate, and repayment schedule data including customer identification information, repayment date, repayment amount, repayment principal, interest, and loan interest rate, and stores them in the memory unit 105a.

[0040] The preferential interest rate review unit 102c updates the preferential achievement conditions for the target customer identification information, obtains the preferential interest rate from the preferential condition management master 106a using the updated preferential achievement conditions as a key, and reviews the preferential interest rate.

[0041] Specifically, the preferential interest rate review unit 102c updates the preferential achievement condition data to the latest preferential achievement conditions in response to, for example, operator operations on the review achievement condition input screen and preferential interest rate registration screen displayed on the monitor 114, obtains the preferential interest rate from the preferential condition management master 106a using the latest preferential achievement conditions as a key, and stores the preferential interest rate review data in the memory unit 106, including the preferential review year and month, customer identification information, and the preferential interest rate immediately after the review.

[0042] The preferential interest rate review unit 102d calculates the loan interest rate based on the revised preferential interest rate. Specifically, the preferential interest rate review unit 102d, for example, acquires preferential interest rate review data from the storage unit 106 using the specified "preferential review year and month" as a key in response to an operator's operation on the preferential interest rate review screen displayed on the monitor 114, acquires contract data from the storage unit 106 using the customer identification information of the acquired preferential interest rate review data as a key, calculates the revised loan interest rate as the loan interest rate of the acquired contract data + (preferential interest rate of the acquired contract data - preferential interest rate immediately after review of the acquired preferential interest rate review data), recalculates and updates the repayment schedule data after the "preferential review year and month" using the calculated revised loan interest rate, and updates the loan interest rate and preferential interest rate of the contract data to the revised information.

[0043] The screen display control unit 102e controls the display and input reception of various screens displayed on the monitor 114 (for example, contract input screen (main screen, loan information input screen, preferential treatment achievement condition input screen), review achievement condition input screen, preferential interest rate registration screen, interest rate preferential review screen, master maintenance screen, etc.).

[0044] [3. Specific Examples] A specific example of the processing performed by the control unit 102 of the loan management system 100 according to this embodiment will be described with reference to FIGS.

[0045] (3-1. Overall processing) 3 is a diagram showing a flow for explaining an outline of the overall processing flow of the control unit 102 of the loan management system 100 in this embodiment. With reference to FIG. 3, an outline of the overall processing flow of the control unit 102 of the loan management system 100 in this embodiment will be explained.

[0046] The master maintenance unit 102a executes a master maintenance process (step S1). Specifically, in the master maintenance process, the master maintenance unit 102a sets data of the preferential condition management master 106a in accordance with, for example, an operation by an operator on a master maintenance screen (not shown) displayed on the monitor 114.

[0047] The contract input unit 102b executes a contract input process (step S2). Specifically, the contract input unit 102b acquires a preferential interest rate from the preferential condition management master 106a using the input preferential condition as a key in response to an operator's operation on a contract input screen (main screen, loan information input screen, preferential condition input screen) displayed on the monitor 114, calculates a loan interest rate based on the acquired preferential interest rate, and creates preferential condition achievement data including the customer identification information and the preferential condition, contract data including the customer identification information, the loan amount, the loan interest rate, and the preferential interest rate, and repayment schedule data including the customer identification information, the repayment date, the repayment amount, the repayment principal, the interest, and the loan interest rate, and stores them in the storage unit 106.

[0048] The preferential interest rate review unit 102c executes the preferential interest rate review process (step S3). Specifically, in the preferential interest rate review process, the preferential interest rate review unit 102c updates the preferential interest achievement condition data to the latest preferential achievement conditions in response to the operator's operations on the review achievement condition input screen and the preferential interest rate registration screen displayed on the monitor 114, obtains the preferential interest rate from the preferential condition management master 106a using the latest preferential achievement condition as a key, and stores the preferential interest rate review data including the preferential review year and month, customer identification information, and the preferential interest rate immediately after the review in the storage unit 106.

[0049] The preferential interest rate review unit 102d executes the preferential interest rate review process (step S4). Specifically, in the preferential interest rate review process, the preferential interest rate review unit 102d retrieves preferential interest rate review data from the storage unit 106 using the "preferential review year and month" specified by the operator on the preferential interest rate review screen displayed on the monitor 114 as a key, retrieves contract data from the storage unit 106 using the customer identification information of the retrieved preferential interest rate review data as a key, calculates the revised loan interest rate as the loan interest rate in the retrieved contract data + (preferential interest rate in the retrieved contract data - preferential interest rate immediately after review in the retrieved preferential interest rate review data), recalculates and updates the repayment schedule data from the "preferential review year and month" using the calculated revised loan interest rate, and updates the loan interest rate and preferential interest rate in the contract data to the revised information. The revised repayment schedule is then sent to the obligor.

[0050] (3-2. Sample data) 4 to 6 are diagrams showing sample data for explaining a specific example of the processing by the control unit 102 of the loan management system 100 in this embodiment. A specific example of the processing by the control unit 102 of the loan management system 100 in this embodiment will be explained with reference to FIGS. 4 to 6.

[0051] (S2. Contract input processing) A specific example of the contract input process will be described with reference to Fig. 4. Fig. 4 is a diagram for explaining a specific example of the contract input process. For example, in response to an operator's operation on a contract input screen (main screen, loan information input screen, preferential treatment achievement condition input screen) displayed on the monitor 114, the contract input unit 102b acquires a preferential interest rate from the preferential treatment condition management master 106a using the input preferential treatment achievement condition as a key, calculates a loan interest rate based on the acquired preferential interest rate, and creates preferential treatment achievement condition data including the customer identification information and the preferential treatment achievement condition, contract data including the customer identification information, the loan amount, the loan interest rate, and the preferential interest rate, and repayment schedule data including the customer identification information, the repayment date, the repayment amount, the repayment principal, the interest, and the loan interest rate, and stores these in the storage unit 106.

[0052] 4(D) is a diagram showing an example of data in the preferential condition management master 106a. The preferential condition management master 106a registers combinations of preferential condition 1 and preferential condition 2, as well as preferential interest rates. The preferential condition 1 is, for example, whether or not the customer holds a card from the company, its group, and / or affiliated companies; if the condition is met, it is set to "1: card held," and if not, it is set to "0: no card held." The preferential condition 2 is, for example, whether or not the customer has another loan contract from the company, its group, and / or affiliated companies; if the condition is met, it is set to "1: other loan contract held," and if not, it is set to "0: no other loan contract."

[0053] In this example, if condition 1 for preferential treatment is "0: no card" and condition 2 for preferential treatment is "0: no other loan contracts", the preferential interest rate is "0%". If condition 1 for preferential treatment is "0: no card" and condition 2 for preferential treatment is "1: other loan contracts", the preferential interest rate is "0.1%". If condition 1 for preferential treatment is "1: card" and condition 2 for preferential treatment is "0: no other loan contracts", the preferential interest rate is "0.2%". If condition 1 for preferential treatment is "1: card" and condition 2 for preferential treatment is "1: other loan contracts", the preferential interest rate is "0.3%".

[0054] The contract input screen is composed of a main screen 500, a preferential treatment achievement condition input screen 700 called from the main screen 500, and a loan information input screen 600 called from the main screen 500.

[0055] FIG. 4(A) is a diagram showing an example of the display of the main screen 500 of the contract input screen. The main screen 500 has input fields for the customer number, branch number, loan amount, repayment period (not shown), repayment start date (not shown), etc., a preferential treatment achievement condition input button for displaying the preferential treatment achievement condition input screen 700, a loan information input button for displaying the loan information input screen 600, and a register button. When the register button is pressed, preferential treatment achievement condition data, contract data, and repayment schedule data are created according to the input contents on the contract input screen. When the preferential treatment achievement condition input button is pressed, the preferential treatment achievement condition input screen 600 is displayed. Furthermore, when the loan information input button is pressed, the loan information input screen 700 is displayed.

[0056] In this example, the customer number "3086399", branch number "45", loan amount "50,000,000 yen", etc. are entered.

[0057] FIG. 4(C) is a diagram showing an example of the display of the preferential treatment achievement condition input screen 700. The preferential treatment achievement condition input screen 700 displays a field for inputting the preferential treatment achievement conditions and a Confirm button. Pressing the Confirm button confirms the preferential treatment achievement conditions and returns to the main screen 500. In this example, the user inputs 1: Card possession for "Preferential Treatment Achievement Condition 1" and 1: Other loan contracts for "Preferential Treatment Achievement Condition 2," and then presses the Confirm button to return to the main screen 500.

[0058] 4(B) is a diagram showing an example of the loan information input screen 600. The loan information input screen 600 displays fields for displaying the preferential interest rate and loan interest rate, the base interest rate, the spread, and a Confirm button. Pressing the Confirm button confirms the preferential interest rate and loan interest rate, and the screen returns to the main screen 500.

[0059] The "preferential interest rate" is set to the preferential interest rate obtained from the preferential conditions management master 106a using the "preferential condition 1" and "preferential condition 2" set on the preferential condition input screen 700 as keys. In this example, the preferential interest rate of "0.3%" obtained from the preferential conditions management master 106a is set using the preferential condition 1 "1: Card owned" and the preferential condition 2 "1: Other loan contracts held" as keys. This value can be directly modified to enable the application of a preferential interest rate specific to each contract.

[0060] Additionally, the "loan interest rate" is set to the base interest rate + spread - preferential interest rate. In this example, 1.5 + 2.0 - 0.3 = 3.2 is set. This value can be directly modified to allow for the application of a unique loan interest rate for each contract. In this example, pressing the Confirm button confirms the preferential interest rate and loan interest rate and returns to the main screen 500.

[0061] When the registration button is pressed on the main screen, preferential treatment achievement condition data is created based on the input contents on the main screen 500 and preferential treatment achievement condition 1 and preferential treatment achievement condition 2 confirmed on the preferential treatment achievement condition input screen 700, and contract data and repayment schedule data are created based on the input contents on the main screen 500 and the preferential interest rate and loan interest rate confirmed on the loan information input screen 600 and are registered in the memory unit 106.

[0062] In this example, preferential treatment achievement condition data as shown in FIG. 4(E), contract data as shown in FIG. 4(F), and repayment schedule data as shown in FIG. 4(G) are created.

[0063] As shown in Fig. 4(E), the preferential treatment achievement condition data has the following items: customer number, branch number, preferential treatment achievement condition 1, and preferential treatment achievement condition 2. In this example, the customer number is "3086399", the branch number is "45", preferential treatment achievement condition 1 is "1: has card", and preferential treatment achievement condition 2 is "1: has other loan contract".

[0064] As shown in Figure 4(F), the contract data has the following fields: customer number, branch number, loan amount, loan interest rate, and preferential interest rate. In this example, the first line contains customer number "3086399," branch number "45," loan amount "50,000,000 yen," loan interest rate "3.2%," and preferential interest rate "0.3%."

[0065] As shown in Figure 4(G), the repayment schedule data has the following fields: customer number, branch number, repayment date, repayment amount, repayment principal, interest, and loan interest rate. In this example, the first line contains customer number "3086399," branch number "45," repayment date "2022 / 03 / 04," repayment amount "¥640,857," repayment principal "¥354,100," interest "¥286,757," and loan interest rate "3.2%."

[0066] (S3: Preferential interest rate review process) A specific example of the preferential interest rate review process will be described with reference to Fig. 5. Fig. 5 is a diagram for explaining a specific example of the preferential interest rate review process. The preferential interest rate review unit 102c updates the preferential interest achievement condition data to the latest preferential achievement conditions in response to, for example, an operator's operations on the review achievement condition input screen and the preferential interest rate registration screen displayed on the monitor 114, obtains the preferential interest rate from the preferential condition management master 106a using the latest preferential achievement condition as a key, and stores the preferential interest rate review data in the memory unit 106, including the preferential review year and month, customer identification information, and the preferential interest rate immediately after the review.

[0067] FIG. 5A is a diagram showing an example of the display of a review preferential treatment achievement condition input screen 800. The review preferential treatment achievement condition input screen 800 includes fields for entering a customer number and a branch number, fields for specifying preferential treatment achievement condition 1 and preferential treatment achievement condition 2, and a register button. When the customer number and branch number are specified, preferential treatment achievement condition 1 and preferential treatment achievement condition 2 are read from the preferential treatment achievement condition data using the customer number and branch number as keys and initially displayed. The operator changes to the latest preferential treatment achievement condition 1 and preferential treatment achievement condition 2. In this example, for customer number "3086399" and branch number "45," the customer no longer holds a card, so the preferential treatment achievement condition 1 "1: Card held" and preferential treatment achievement condition 2 "1: Other loan contract held" are changed to preferential treatment achievement condition 1 "0: No card held" and preferential treatment achievement condition 2 "1: Other loan contract held." Pressing the register button updates the preferential treatment achievement condition data as shown in FIG. 5D.

[0068] 5(B) is a diagram showing a display example of the preferential interest rate registration screen 900. The preferential interest rate registration screen 900 has fields for specifying the preferential review year and month, customer number, branch number, and preferential interest rate immediately after review, as well as a registration button.

[0069] The operator specifies the preferential review year and month, customer number, and branch number. The preferential review year and month may be automatically displayed based on the current time. The "preferential interest rate immediately after review" is set to the preferential interest rate obtained from the preferential conditions management master 106a using the "preferential achievement condition 1" and "preferential achievement condition 2" of the preferential achievement condition data shown in Figure 5(D) registered on the preferential review achievement condition input screen 800 of Figure 5(A). In this example, the preferential interest rate "0.2%" obtained from the preferential conditions management master 106a is set using the preferential achievement condition 1 "0: No card" and the preferential achievement condition 2 "1: Other loan contracts held" as keys. Note that this value can be directly modified to enable the application of a preferential interest rate specific to each contract.

[0070] When you press the register button, the preferential interest rate review data will be updated as shown in Figure 5(E). The preferential interest rate review data has the following fields: preferential review year and month, customer number, branch number, and preferential interest rate immediately after review. In this example, as shown in the first line, the preferential review year and month "2022 / 07", customer number "3086399", branch number "45", and preferential interest rate immediately after review "0.2%" will be updated.

[0071] (S4: Interest rate preferential review process) A specific example of the preferential interest rate review process will be described with reference to Fig. 6. Fig. 6 is a diagram for explaining a specific example of the preferential interest rate review process. For example, in response to an operator's operation on the preferential interest rate review screen displayed on the monitor 114, the preferential interest rate review unit 102d acquires preferential interest rate review data from the storage unit 106 using the specified "preferential review year and month" as a key, acquires contract data from the storage unit 106 using the customer identification information of the acquired preferential interest rate review data as a key, calculates the revised loan interest rate as the loan interest rate in the acquired contract data + (preferential interest rate in the acquired contract data - preferential interest rate immediately after review in the acquired preferential interest rate review data), recalculates and updates the repayment schedule data from the "preferential review year and month" onwards using the calculated revised loan interest rate, and updates the loan interest rate and preferential interest rate in the contract data to the revised information.

[0072] In the interest rate preferential review process, the loan interest rate is reviewed for all contracts that fall within the specified preferential review year and month. The interest rate preferential review process logic is explained below.

[0073] (1) Obtain the target receivables that match the "preferential review date" specified on the preferential interest rate review screen (not shown) from the preferential interest rate review data. Figure 6(A) is a diagram showing an example of preferential interest rate review data. Here, we will explain as an example the case where the "preferential review date" is specified as "2022 / 07". In this example, from the preferential interest rate review data, customer number "3086399", branch number "45", and preferential interest rate immediately after review "0.2%" are obtained using the preferential review date "2022 / 07" as the key.

[0074] (2) Obtain contract data (claim) for the customer number and branch number obtained in (1). Figure 6(B) is a diagram showing an example of contract data. In this example, the contract data shown in Figure 6(B) is obtained using customer number "3086399" and branch number "45" as keys. In this example, the customer number is "3086399", branch number is "45", loan amount is "50,000,000 yen", loan interest rate is "3.2%", and preferential interest rate is "0.3%".

[0075] (3) Calculate the loan interest rate after the revision of the preferential interest rate. Specifically, it is calculated as follows: Loan Interest Rate = Pre-change loan interest rate + (Pre-change preferential interest rate - Post-change preferential interest rate). In this example, Loan Interest Rate = Pre-change loan interest rate "3.2%" + (Pre-change preferential interest rate "0.3%" - Post-change preferential interest rate "0.2%") = 3.3%.

[0076] (4) Using the loan interest rate calculated in (3), the repayment schedule data from the "preferential review year and month" onwards is recalculated and updated. Figure 5(C) is a diagram showing an example of the updated repayment schedule data. In this example, the loan interest rate from "2022 / 07 / 04" onwards is set to "3.3%," and the repayment schedule data is recalculated and updated (changed) as shown in the fifth line and onwards in Figure 5(C).

[0077] (5) Update the loan interest rate and preferential interest rate in the contract data to the revised information. Figure 5(D) shows an example of the updated contract data. In this example, the loan interest rate is updated to "3.3%" and the preferential interest rate is updated to "0.2%."

[0078] As described above, according to this embodiment, there are provided a preferential condition management master 106a in which one or more preferential achievement conditions and preferential interest rates are registered in association with each other, a contract input means 106b for inputting the preferential achievement conditions for the target customer identification information, obtaining a preferential interest rate from the preferential condition management master using the input preferential achievement conditions as a key, and calculating the loan interest rate based on the obtained preferential interest rate, a preferential interest rate review unit 102c for updating the preferential achievement conditions for the target customer identification information, obtaining the preferential interest rate from the preferential condition management master 106a using the updated preferential achievement conditions as a key, and reviewing the preferential interest rate, and an interest rate preferential review unit 102d for calculating the loan interest rate based on the reviewed preferential interest rate.Therefore, when a preferential interest rate is applied to the loan interest rate, it is possible to quickly review the preferential interest rate in accordance with the achievement status of the preferential achievement conditions of the preferential interest rate and reflect it in the loan interest rate.

[0079] [4. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of SDGs Goals 8 and 9.

[0080] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs Goals 12, 13, and 15.

[0081] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0082] 5. Other Embodiments The present invention may be implemented in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0083] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using known methods.

[0084] Furthermore, the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings can be changed as desired unless otherwise specified.

[0085] Furthermore, with regard to the loan management system 100, the components shown in the figures are functional concepts, and do not necessarily have to be physically configured as shown in the figures.

[0086] For example, all or any part of the processing functions of the loan management system 100, particularly the processing functions performed by the control unit, may be implemented by a CPU and a program interpreted and executed by the CPU, or may be implemented as hardware using wired logic. The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the loan management system 100 as needed. That is, a computer program for providing instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM and cooperates with the CPU to form the control unit.

[0087] This computer program may be stored in an application program server connected to the loan management system 100 via any network, and may be downloaded in whole or in part as needed.

[0088] Furthermore, the program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium or configured as a program product. Here, the term "recording medium" includes any "portable physical medium" such as a memory card, a Universal Serial Bus (USB) memory, a Secure Digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) disc.

[0089] Furthermore, a "program" is a data processing method written in any language or description method, regardless of the format, such as source code or binary code. Note that a "program" is not necessarily limited to a single structure, but also includes a structure that is distributed as multiple modules or libraries, or a structure that achieves its function by cooperating with a separate program, such as an OS. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in the embodiments, as well as the installation procedure after reading, can use well-known configurations and procedures.

[0090] The various databases stored in the memory unit are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and providing websites.

[0091] The loan management system 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The loan management system 100 may also be realized by installing software (including programs, data, etc.) that causes the device to perform the processes described in this embodiment.

[0092] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be configured by functionally or physically distributing and integrating them in any unit depending on various additions or functional loads. In other words, the above-described embodiments can be implemented in any combination, or embodiments can be implemented selectively. [Explanation of symbols]

[0093] 100 Loan Management System 102 Control section 102a Master Maintenance Department 102b Contract input section 102c Preferential Interest Rate Review Department 102d Interest Rate Review Department 102e Screen display control unit 104 Communication interface unit 106 Storage section 106a Preferential Conditions Management Master 108 Input / Output Interface Section 112 Input Device 114 Output Device 300 Network

Claims

1. A loan management system including a control unit, The control unit The system is configured to be able to access a memory area that stores a preferential condition management master that associates one or more preferential achievement conditions with preferential interest rates, a contract input means for inputting preferential treatment achievement conditions for the target customer identification information, acquiring a preferential interest rate from the preferential treatment condition management master using the input preferential treatment achievement conditions as a key, and calculating a loan interest rate based on the acquired preferential interest rate; a preferential interest rate review means for updating the preferential achievement conditions for the target customer identification information, obtaining the preferential interest rate from the preferential condition management master using the updated preferential achievement conditions as a key, and reviewing the preferential interest rate; an interest rate preferential review means for calculating a loan interest rate based on the reviewed preferential interest rate; Equipped with the contract input means stores in the storage area customer identification information, preferential treatment achievement condition data including preferential treatment achievement conditions, contract data including customer identification information, loan amount, loan interest rate, and preferential interest rate, and repayment schedule data including customer identification information, repayment date, repayment amount, repayment principal, interest, and loan interest rate; the preferential interest rate review means updates the preferential treatment achievement condition data to the latest preferential treatment achievement condition, and stores preferential interest rate review data including the preferential treatment review year and month, customer identification information, and the preferential interest rate immediately after the review in the storage area; The loan management system is characterized in that the interest rate preferential review means retrieves preferential interest rate review data from the storage area using the specified "preferential review year and month" as a key, retrieves contract data from the storage area using customer identification information of the retrieved preferential interest rate review data as a key, calculates the reviewed loan interest rate as the loan interest rate in the retrieved contract data + (preferential interest rate in the retrieved contract data - preferential interest rate immediately after review in the retrieved preferential interest rate review data), recalculates and updates the repayment schedule data after the "preferential review year and month" using the calculated reviewed loan interest rate, and updates the loan interest rate and preferential interest rate in the contract data to the reviewed information.

2. 2. The loan management system according to claim 1, wherein the conditions for achieving preferential treatment are whether or not the customer holds a card of the company and whether or not the customer has a contract for another loan of the company.

3. A loan management method executed by an information processing device having a control unit, The control unit The system is configured to be able to access a memory area that stores a preferential condition management master that associates one or more preferential achievement conditions with preferential interest rates, The control unit executes a contract input process for inputting preferential treatment achievement conditions for the target customer identification information, acquiring a preferential interest rate from the preferential treatment condition management master using the input preferential treatment achievement conditions as a key, and calculating a loan interest rate based on the acquired preferential interest rate; a preferential interest rate review process for updating the preferential achievement conditions for the target customer identification information, obtaining the preferential interest rate from the preferential condition management master using the updated preferential achievement conditions as a key, and reviewing the preferential interest rate; an interest rate preferential review process for calculating a loan interest rate based on the reviewed preferential interest rate; Including, In the contract input step, customer identification information, preferential treatment achievement condition data including preferential treatment achievement conditions, contract data including customer identification information, loan amount, loan interest rate, and preferential interest rate, and repayment schedule data including customer identification information, repayment date, repayment amount, repayment principal, interest, and loan interest rate are stored in the storage area, In the preferential interest rate review step, the preferential treatment achievement condition data is updated to the latest preferential treatment achievement condition, and preferential interest rate review data including the preferential treatment review year and month, customer identification information, and the preferential interest rate immediately after the review is stored in the storage area; The loan management method is characterized in that the interest rate preferential review step retrieves preferential interest rate review data from the storage area using the specified "preferential review year and month" as a key, retrieves contract data from the storage area using customer identification information of the retrieved preferential interest rate review data as a key, calculates the reviewed loan interest rate as the loan interest rate in the retrieved contract data + (preferential interest rate in the retrieved contract data - preferential interest rate immediately after review in the retrieved preferential interest rate review data), recalculates and updates repayment schedule data after the "preferential review year and month" using the calculated reviewed loan interest rate, and updates the loan interest rate and preferential interest rate in the contract data to the reviewed information.

4. A loan management program to be executed by an information processing device having a control unit, The control unit The system is configured to be able to access a memory area that stores a preferential condition management master that associates one or more preferential achievement conditions with preferential interest rates, The control unit a contract input process for inputting preferential treatment achievement conditions for the target customer identification information, acquiring a preferential interest rate from the preferential treatment condition management master using the input preferential treatment achievement conditions as a key, and calculating a loan interest rate based on the acquired preferential interest rate; a preferential interest rate review process for updating the preferential achievement conditions for the target customer identification information, obtaining the preferential interest rate from the preferential condition management master using the updated preferential achievement conditions as a key, and reviewing the preferential interest rate; an interest rate preferential review process for calculating a loan interest rate based on the reviewed preferential interest rate; It is a loan management program to implement In the contract input step, customer identification information, preferential treatment achievement condition data including preferential treatment achievement conditions, contract data including customer identification information, loan amount, loan interest rate, and preferential interest rate, and repayment schedule data including customer identification information, repayment date, repayment amount, repayment principal, interest, and loan interest rate are stored in the storage area, In the preferential interest rate review step, the preferential treatment achievement condition data is updated to the latest preferential treatment achievement condition, and preferential interest rate review data including the preferential treatment review year and month, customer identification information, and the preferential interest rate immediately after the review is stored in the storage area; The loan management program is characterized in that, in the interest rate preferential review step, preferential interest rate review data is retrieved from the storage area using the specified "preferential review year and month" as a key, contract data is retrieved from the storage area using the customer identification information of the retrieved preferential interest rate review data as a key, the reviewed loan interest rate is calculated as the loan interest rate in the retrieved contract data + (preferential interest rate in the retrieved contract data - preferential interest rate immediately after review in the retrieved preferential interest rate review data), the calculated reviewed loan interest rate is used to recalculate and update the repayment schedule data after the "preferential review year and month", and the loan interest rate and preferential interest rate in the contract data are updated to the reviewed information.

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