Administrative fee calculation device, administrative fee calculation method, and administrative fee calculation program

Abstract

To provide an administration fee calculation apparatus, an administration fee calculation method, and an administration fee calculation program which can reduce a work burden on an operator.SOLUTION: An administration fee calculation apparatus according to an embodiment, based on an agency code, an application date, and a financed amount to be inputted, calculates, if the application date falls within a campaign period, an administration fee by multiplying the financed amount by a value obtained by subtracting a value corresponding to a campaign ratio associated with the agency code inputted from the administration fee associated with an administration fee code corresponding to the input agency code.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to an administrative fee calculation device, an administrative fee calculation method, and an administrative fee calculation program. [Background technology]

[0002] Patent Document 1 discloses a technology for a deposit-linked loan transaction system that performs predetermined calculations for deposit-linked loans based on loan application data and cash flow data, in which interest is not charged on the amount of the borrowing amount that corresponds to the deposit balance. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2002-183290 Summary of the Invention [Problem to be solved by the invention]

[0004] Incidentally, in the case of mortgage lending, each agency has a scheme in which they set up a campaign to lower the interest rate on administrative fees for a certain period of time.

[0005] However, the above-mentioned Patent Document 1 does not take into consideration campaigns at all, and there was a problem in that the interest rates and periods of campaigns differed from agency to agency, making management for workers cumbersome.

[0006] The present invention has been made in consideration of the above, and aims to provide an administrative fee calculation device, an administrative fee calculation method, and an administrative fee calculation program that can simplify management for workers. [Means for solving the problem]

[0007] In order to solve the above-mentioned problems and achieve the object, the administrative fee calculation device of the present invention is an administrative fee calculation device that has a control unit and is able to access an administrative fee master that associates administrative fee codes with administrative fee rates, and an agency master that associates, for each agency code, the administrative fee code, a campaign ratio for a campaign that lowers interest rates for a certain period of time, and a campaign application period, and the control unit is characterized by having a calculation unit that refers to the administrative fee master and the agency master, and, based on the input agency code, application acceptance date, and loan amount, calculates an administrative fee by multiplying the loan amount by the value obtained by subtracting the campaign ratio associated with the input agency code from the administrative fee rate linked to the administrative fee code associated with the input agency code.

[0008] In addition, the administrative fee calculation method of the present invention is an administrative fee calculation method executed by an administrative fee calculation device equipped with a control unit, which is capable of accessing an administrative fee master in which administrative fee rates are associated with administrative fee codes, and an agency master in which, for each agency code, the administrative fee code, a campaign ratio for a campaign to lower interest rates for a certain period of time, and a campaign application period are associated, and is characterized by including a calculation step executed by the control unit, which refers to the administrative fee master and the agency master, and, based on the input agency code, application acceptance date, and loan amount, if the application acceptance date falls within the campaign application period, calculates an administrative fee by multiplying the loan amount by a value obtained by subtracting the campaign ratio associated with the input agency code from the administrative fee rate linked to the administrative fee code associated with the input agency code.

[0009] In addition, the administrative fee calculation program of the present invention is an administrative fee calculation program to be executed by an administrative fee calculation device equipped with a control unit, and is capable of accessing an administrative fee master in which administrative fee rates are associated with administrative fee codes, and an agency master in which, for each agency code, the administrative fee code, a campaign ratio for a campaign to lower interest rates for a certain period of time, and a campaign application period are associated, and is characterized in that it includes a calculation step for the control unit to execute, which refers to the administrative fee master and the agency master, and, based on the input agency code, application acceptance date, and loan amount, if the application acceptance date falls within the campaign application period, calculates an administrative fee by multiplying the loan amount by the value obtained by subtracting the campaign ratio associated with the input agency code from the administrative fee rate linked to the administrative fee code associated with the input agency code. [Effects of the Invention]

[0010] The present invention has the effect of reducing the workload of workers. [Brief explanation of the drawings]

[0011] [Figure 1] FIG. 1 is a schematic diagram showing an overview in a block diagram of an example of the configuration of an administrative fee calculation device according to an embodiment. [Figure 2] FIG. 2 is a diagram showing an example of the administrative fee master table in the administrative fee master 106a. [Figure 3] FIG. 3 is a diagram showing an example of the agent master table in the agent master 106b. [Figure 4] FIG. 4 is a diagram showing an example of a loan application data table in the loan application data 106c. [Figure 5] FIG. 5 is a schematic diagram for explaining an outline of a loan application acceptance operation. [Figure 6] FIG. 6 is a flowchart showing an outline of the processing executed by the administrative fee calculation device 100. [Figure 7] FIG. 7 is a diagram showing an example of the administrative fee calculation screen. [Figure 8] FIG. 8 is a diagram showing the input results entered by the worker on the administrative fee calculation screen P1. [Figure 9] FIG. 9 is a flowchart showing an outline of the data analysis process executed by the administrative fee calculation device 100. [Figure 10] FIG. 10 is a diagram showing an example of a general-purpose data output screen. [Figure 11] FIG. 11 is a diagram showing an example of an application data table in the application data. [Figure 12] FIG. 12 is a diagram showing an example of the summary data table created by the creating unit 102d. [Figure 13] FIG. 13 is a diagram showing an example of a graph created by the creating unit 102d. [Figure 14] FIG. 14 is a diagram showing another example of a graph created by the creating unit 102d. DETAILED DESCRIPTION OF THE INVENTION

[0012] Hereinafter, embodiments of an administrative fee calculation device, an administrative fee calculation method, and an administrative fee calculation program according to the present invention will be described in detail with reference to the accompanying drawings. Note that the present invention is not limited to these embodiments.

[0013] [1. Configuration] An example of the configuration of an administrative fee calculation device according to this embodiment will be described with reference to Fig. 1 etc. Fig. 1 is a schematic diagram showing an overview in a block diagram of an example of the configuration of an administrative fee calculation device.

[0014] 1 is a commercially available desktop personal computer. Note that the administrative fee calculation device 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.

[0015] The administrative fee calculation device 100 comprises a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. The units comprised in the administrative fee calculation device 100 are connected to each other so as to be able to communicate with each other via any communication path.

[0016] The communication interface unit 104 communicably connects the administrative fee calculation device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via the communication line. Here, the network 300 has a function of connecting the administrative fee calculation device 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). The data stored in the memory unit 106 may also be stored in the server 200, for example.

[0017] 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. In the following, the output device 114 may be referred to as the monitor 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

[0018] The memory unit 106 stores various databases, tables, files, etc. The memory unit 106 stores computer programs that work in conjunction with the OS (Operating System) to issue commands to the CPU (Central Processing Unit) to perform various processes. The memory unit 106 can be, for example, a memory device such as RAM (Random Access Memory) or ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, or an optical disk. The memory unit 106 stores an administrative fee master 106a, an agent master 106b, and loan application data 106c.

[0019] The administrative fee master 106a stores administrative fee rates in association with administrative fee codes.

[0020] 2 is a diagram showing an example of an administrative fee master table in the administrative fee master 106a. In the first row of the administrative fee master table T1 shown in Fig. 2, an administrative fee code "100001" is stored in association with an administrative fee rate (%) of "1.1".

[0021] The agency master 106b stores, for each agency code, an administrative fee code, a campaign rate for a campaign that reduces the interest rate for a certain period of time, and a campaign application period in association with each other.

[0022] Figure 3 is a diagram showing an example of an agent master table in the agent master 106b. In the first row of the agent master table T2 shown in Figure 3, the agent code "11" is stored in association with the agent name "Nihonbashi Co., Ltd.", the administrative fee code "400004," the campaign ratio (%) "0.1," the campaign application period (start) "20220601," and the campaign application period (end) "20220630."

[0023] The loan application data 106c stores, for each application number, the application acceptance date (year, month, day), the acceptance agency code of the agency that accepted the loan, the loan amount, the administrative fee rate (%), the campaign ratio (%), the administrative fee, the scheduled execution date, the status, and the acceptance staff in correspondence with each other.

[0024] Fig. 4 is a diagram showing an example of a loan application data table in the loan application data 106c. In the first row of the loan application data table T3 shown in Fig. 4, the application number "221000081" is stored in association with the application acceptance date (year / month / day) "20220102", the acceptance agency code "11", the loan amount "20,000,000", the administrative fee rate (%) "2.2", the campaign ratio (%) "0", the administrative fee "440,000", the scheduled execution date "20220402", the status "screening approved", and the acceptance representative "Kyobashi Taro". In addition, the third row of the loan application data table T3 shown in Figure 4 stores the application number "221000083," the application acceptance date (year / month / day) "20220104," the acceptance agency code "13," the loan amount "40,000,000," the administrative fee rate (%) "2.0," the campaign ratio (%) "0.3," the administrative fee "680,000," the scheduled execution date "20220404," the status "approved," and the acceptance representative "examiner Ichiro." In Figure 4, agency (11) is configured with no campaign setting for January but with a campaign setting for February, agency (13) is configured with campaign settings for both January and February, and agency (21) is configured with no campaign setting for either January or February.

[0025] Returning to FIG. 1, the description of the configuration of the administrative fee calculation device 100 will continue. The control unit 102 is a CPU or the like that comprehensively controls the administrative fee calculation device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processes based on these stored programs. The control unit 102 includes a display control unit 102a, a calculation unit 102b, an output unit 102c, and a creation unit 102d.

[0026] The display control unit 102a displays an administrative fee calculation screen on the monitor 114. The display control unit 102a also performs input reception processing in response to input by the worker via the input device 112. Furthermore, the display control unit 102a displays a general-purpose data output screen on the monitor 114.

[0027] The calculation unit 102b calculates the administrative fee. Specifically, the calculation unit 102b refers to the administrative fee master 106a and the agency master 106b, and calculates the administrative fee by multiplying the loan amount by a value obtained by subtracting the campaign rate associated with the input agency code from the administrative fee rate associated with the input agency code, based on the input agency code, application acceptance date, and loan amount, if the application acceptance date falls within the campaign application period.

[0028] The output unit 102c refers to the loan application data 106c and generates and outputs output data according to the items selected by the worker via the input device 112 from at least the application number, application acceptance date, agency code, loan amount, administrative fee rate, campaign rate, and administrative fee.

[0029] The creation unit 102d creates a summary table based on the output data output by the output unit 102c and outputs it to the monitor 114. Furthermore, the creation unit 102d creates at least one of a graph showing the correlation between the number of applications and the success rate depending on whether a campaign is set or not, and a graph showing the trend in the total administrative fees for each agency depending on whether a campaign is set or not, based on the summary table, and outputs it to the monitor 114.

[0030] [2. Overview of loan application reception work (mortgage application reception work)] Figure 5 is a schematic diagram for explaining an overview of a loan application acceptance process. As shown in Figure 5, an applicant applies for a loan (home loan) to a financial institution through an agent (agency). In this case, as shown in Figure 5, in a conventional loan application acceptance process, when outsourcing to an agent, a campaign rate may be set that provides preferential treatment in administrative fees for a specific period and for a specific agent.

[0031] As a result, there was a problem in the past where the management of workers became cumbersome. Specifically, in the past, workers had to input data into a system or manage it manually, and because the campaign rates differed for each agency and each period, the procedures became cumbersome and there was a risk of human error, and there was also a possibility that this work would become mundane.

[0032] Furthermore, because data was not systematically managed in the past, there was no infrastructure in place to analyze campaign effectiveness, and as a result, financial institutions and other organizations were seeking technology to analyze campaign effectiveness data.

[0033] 3. Overview of Processing Executed by the Administrative Fee Calculation Device 100 Next, a description will be given of the processing executed by the administrative fee calculation device 100. Fig. 6 is a flowchart showing an outline of the processing executed by the administrative fee calculation device 100.

[0034] As shown in FIG. 6, first, the display control unit 102a displays an administrative fee calculation screen on the monitor 114 (step S1).

[0035] Fig. 7 is a diagram showing an example of an administrative fee calculation screen. The administrative fee calculation screen P1 shown in Fig. 7 is where the operator inputs the case number, application acceptance date, acceptance agency, and loan amount via the input device 112. Furthermore, the administrative fee calculation screen P1 includes a calculation icon A1 that instructs the calculation of the administrative fee rate, a registration icon A2 that instructs the registration of the input contents, and an end icon A3 that instructs the end of the administrative fee calculation.

[0036] Returning to FIG. 6, the description of step S1 and subsequent steps will be continued. In step S2, the display control unit 102a performs an input reception process in response to an input from the operator via the input device 112.

[0037] 8 is a diagram showing the input result entered by the worker on the administrative fee calculation screen P1. As shown in Fig. 8, the display control unit 102a performs an input reception process to display the content according to the worker's input on the monitor 114 via the input device 112 and receive the input.

[0038] In this case, when the worker inputs an agency code, for example, "011", via the input device 112, the display control unit 102a refers to the agency master 106b and acquires the administrative fee code "400004" linked to the agency code. Then, the display control unit 102a refers to the administrative fee master 106a and acquires the administrative fee rate (%) "2.2" linked to the administrative fee code "400004", and displays it on the administrative fee calculation screen P1.

[0039] Furthermore, the display control unit 102a references the agency master 106b and obtains the campaign application period (start) "20220601" and campaign application period (end) "20220630" associated with the agency code "011." The display control unit 102a then compares the application acceptance date entered on the administrative fee calculation screen P1 with the campaign application period (start / end), and if the application acceptance date falls within the campaign period, obtains the campaign ratio "0.1" from the agency master 106b and displays it on the administrative fee calculation screen P1. This allows the operator to grasp the administrative fee rate (%) and campaign ratio (%) simply by entering the agency code.

[0040] Subsequently, if the calculation icon A1 is pressed via the input device 112 (step S3: Yes), the administrative fee calculation device 100 proceeds to step S4, which will be described later. On the other hand, if the calculation icon A1 is not pressed via the input device 112 (step S3: No), the administrative fee calculation device 100 proceeds to step S2, which has been described above.

[0041] In step S4, the calculation unit 102b calculates the administrative fee. Specifically, the calculation unit 102b references the administrative fee master 106a and the agency master 106b, and, based on the input agency code, application acceptance date, and loan amount, calculates the administrative fee by multiplying the loan amount by a value obtained by subtracting the campaign ratio associated with the input agency code from the administrative fee rate associated with the input agency code if the application acceptance date falls within the campaign application period. In this case, the calculation unit 102b first calculates an administrative fee rate of "420,000 yen" by multiplying the loan amount "20,000,000" by "2.1," which is the value obtained by subtracting the campaign ratio % of "0.1" from the administrative fee rate (%) of "2.2." In this case, the display control unit 102a displays the administrative fee rate of "420,000 yen" calculated by the calculation unit 102b on the administrative fee calculation screen P1. In this case, the calculation unit 102b stores the calculation result in the loan application data 106c. This allows the worker to know the administrative fee to which the campaign has been applied with a simple operation.

[0042] Subsequently, if the end icon A3 is pressed (step S5: Yes), the administrative fee calculation device 100 ends this process. On the other hand, if the end icon A3 is not pressed (step S5: No), the administrative fee calculation device 100 returns to the above-mentioned step S2.

[0043] 4. Overview of Data Analysis Processing Executed by the Administrative Fee Calculation Device 100 Next, a description will be given of the data analysis process executed by the administrative fee calculation device 100. Fig. 9 is a flowchart showing an outline of the data analysis process executed by the administrative fee calculation device 100.

[0044] As shown in FIG. 9, first, the display control unit 102a displays a general-purpose data output screen on the monitor 114 (step S11).

[0045] Fig. 10 is a diagram showing an example of a general-purpose data output screen. The general-purpose data output screen P2 shown in Fig. 10 includes an item selection screen P21 for the worker to select a desired item from multiple items via the input device 112, an output item screen P22 that displays the selection results, a selection icon K1 for moving the item, and an output icon A11 for specifying output data. The worker selects a desired item from the item selection screen P21 via the input device 112.

[0046] Next, the display control unit 102a performs an input reception process in response to the input by the worker via the input device 112 (step S12). Specifically, as shown in Fig. 10, the display control unit 102a displays the items selected by the worker via the input device 112 and the selection icon K1 on the output item screen P22. In the case shown in Fig. 10, the display control unit 102a displays the case number, application reception date (year / month / day), reception agency code, loan amount, administrative fee rate (%), campaign ratio (%), and administrative fee on the output item screen P22.

[0047] Thereafter, if the output icon A11 is pressed (step S13: Yes), the administrative fee calculation device 100 proceeds to step S14, which will be described later. On the other hand, if the output icon A11 is not pressed (step S13: No), the administrative fee calculation device 100 returns to step S12.

[0048] In step S14, the output unit 102c refers to the loan application data 106c and outputs the output data of the item selected by the operator via the input device 112 on the item selection screen P21.

[0049] Fig. 11 is a diagram showing an example of an application data table in application data. In the first row of the application data table T11 shown in Fig. 11, the case number "221000081" is associated with the application acceptance date (year / month / day) "20220102", the acceptance agency code "11", the loan amount "20,000,000", the administrative fee rate (%) "2.2", the campaign rate (%) "0", and the administrative fee "440,000".

[0050] Next, the creation unit 102d creates a summary table based on the output data output by the output unit 102c, and outputs the summary table to the monitor 114 (step S15).

[0051] Fig. 12 is a diagram showing an example of a summary data table created by the creation unit 102d. As shown in the summary data table T12 shown in Fig. 12, the creation unit 102d creates the number of applications (cases) A ​​obtained by tallying the number of applications, the number of applied cases B obtained by tallying the number of applied cases, the contract rate (B / A) (%) obtained by dividing the number of applied cases by the number of applications, and the total monthly administrative fee (yen) based on the output data output by the output unit 102c, by the receiving agency code of the agency that received the application, the month in which the application was received, and whether or not a campaign was set. Specifically, as shown in the first row of the summary data table T12, the creation unit 102d creates a table by associating the receiving agency code "11," the application acceptance month "January 2022," the number of applications (cases) A ​​"35," the number of completed applications B "22," the success rate (B / A) (%) "63," the total monthly administrative fee (yen) "10,600,000," and the remarks "no campaign settings." Furthermore, as shown in the second row of the summary data table T12, the creation unit 102d creates a table by associating the receiving agency code "11," the application acceptance month "February 2022," the number of applications (cases) A ​​"60," the number of completed applications B "55," the success rate (B / A) (%) "92," the total monthly administrative fee (yen) "25,800,000," and the remarks "campaign settings." In this case, the creation unit 102d creates, based on the summary table, at least one of a graph showing the correlation between the number of applications and the closing rate depending on whether or not a campaign is set up, and a graph showing the trend in the total administrative fees for each agency depending on whether or not a campaign is set up, and outputs this to the monitor 114.

[0052] Fig. 13 is a diagram showing an example of a graph created by the creation unit 102d. In Fig. 13, the vertical axis on the left indicates the number of applications, the vertical axis on the right indicates the success rate (%), and the horizontal axis indicates the results of whether or not a campaign was set up for each agency for each month in which applications were received. In addition, the broken line L1 indicates the success rate.

[0053] 13, the creation unit 102d creates a graph that can visualize the correlation between the number of applications and the success rate depending on whether or not a campaign is set, based on the summary table. This allows the operator to intuitively understand that the number of applications and success rate increase when a campaign is set.

[0054] 14 is a diagram showing another example of a graph created by the creation unit 102d. In Fig. 14, the vertical axis indicates the total administrative fees (thousand yen), and the horizontal axis indicates the total administrative fees of each agency for each application acceptance month and whether or not a campaign is set.

[0055] 14, the creation unit 102d creates a graph that can visualize the transition of the total administrative fee for each agency depending on whether or not a campaign is set, based on the summary table. This allows the operator to intuitively understand the transition of the total administrative fee for each agency depending on whether or not a campaign is set.

[0056] In this way, the creation unit 102d creates, based on the summary table, at least one of a graph showing the correlation between the number of applications and the success rate depending on whether or not a campaign is set, and a graph showing the trend in the total administrative fees for each agency depending on whether or not a campaign is set, and outputs it to the monitor 114. As a result, the worker can intuitively grasp the correlation between the number of applications and the success rate depending on whether or not a campaign is set, and the trend in the total administrative fees for each agency depending on whether or not a campaign is set.

[0057] 9, in step S16, if the worker ends the data analysis process by operating the input device 112 (step S16: Yes), the administrative fee calculation device 100 ends this process. On the other hand, if the worker does not end the data analysis process without operating the input device 112 (step S16: No), the administrative fee calculation device 100 returns to step S12 described above.

[0058] According to the embodiment described above, the calculation unit 102b refers to the administrative fee master 106a and the agency master 106b, and, based on the input agency code, application acceptance date, and loan amount, if the application acceptance date falls within the campaign application period, calculates the administrative fee by multiplying the loan amount by the value obtained by subtracting the campaign rate associated with the input agency code from the administrative fee rate linked to the administrative fee code associated with the input agency code. As a result, the operator can grasp the administrative fee to which the campaign has been applied with a simple operation.

[0059] Furthermore, according to the embodiment, the creation unit 102d creates a summary table based on the output data output by the output unit 102c, and outputs the summary table to the monitor 114. As a result, the worker can perform an analysis depending on whether or not a campaign is set.

[0060] Furthermore, according to the embodiment, the creation unit 102d creates a graph showing the correlation between the number of applications and the success rate depending on whether or not a campaign is set, based on the summary table, and outputs the graph to the monitor 114. As a result, the worker can intuitively grasp the correlation between the number of applications and the success rate depending on whether or not a campaign is set.

[0061] Furthermore, according to the embodiment, the creation unit 102d creates a graph showing the change in the total administrative fee for each agency depending on whether or not a campaign is set, based on the summary table, and outputs the graph to the monitor 114. As a result, the worker can intuitively grasp the change in the total administrative fee for each agency depending on whether or not a campaign is set.

[0062] [5. 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.

[0063] 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.

[0064] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0065] 6. 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.

[0066] 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.

[0067] 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.

[0068] Furthermore, with regard to the administrative fee calculation device 100, the components shown in the figure are functional concepts, and do not necessarily have to be physically configured as shown in the figure.

[0069] For example, all or any part of the processing functions of the administrative fee calculation device 100, particularly the processing functions performed by the control unit, may be realized by a CPU and a program interpreted and executed by the CPU, or may be realized 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 administrative fee calculation device 100 as needed. That is, a computer program for giving 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.

[0070] In addition, this computer program may be stored in an application program server connected to the administrative fee calculation device 100 via any network, and all or part of it may be downloaded as needed.

[0071] 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.

[0072] 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.

[0073] 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.

[0074] The administrative fee calculation device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The administrative fee calculation device 100 may be realized by installing software (including programs or data, etc.) that causes the device to realize the processing described in this embodiment.

[0075] 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 functionally or physically distributed and integrated 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. [Industrial Applicability]

[0076] The present invention is useful in the personal loan business at financial institutions. [Explanation of symbols]

[0077] 100 Administrative fee calculation device 102 Control section 102a Display control unit 102b Calculation section 102c output section 102d Creation Department 104 Communication interface unit 106 Storage section 106a Administrative Fee Master 106b Agent Master 106c Loan deal data 108 Input / Output Interface Section 112 Input Device 114 Output Device 200 servers 300 Network

Claims

1. A transaction fee calculation device including a control unit, A transaction fee master in which transaction fee rates are associated with transaction fee codes; an agency master in which the administrative fee code, the campaign rate for a campaign that reduces the interest rate for a certain period of time, and the campaign application period are associated with each agency code; is accessible to The control unit a calculation unit that refers to the administrative fee master and the agency master, and calculates an administrative fee by multiplying the loan amount by a value obtained by subtracting the campaign rate associated with the administrative fee code associated with the agency code input from the administrative fee rate associated with the agency code input based on the agency code, application acceptance date, and loan amount, if the application acceptance date falls within the campaign application period; To have An administrative fee calculation device comprising:

2. 2. The administrative fee calculation device according to claim 1, For each project number, it is possible to further access loan project data in which at least the application acceptance date, the agency code, the loan amount, the administrative fee rate, the campaign rate, the administrative fee, and the scheduled execution date are associated; The control unit an output unit that references the loan application data and generates and outputs output data corresponding to items selected from at least the application number, the application acceptance date, the agency code, the loan amount, the administrative fee rate, the campaign rate, and the administrative fee; a creation unit that creates a summary table based on the output data, which associates the number of applications obtained by tallying the number of applications, the number of completed applications obtained by tallying the number of completed applications, the contract rate obtained by dividing the number of completed applications by the number of applications, and the total monthly administrative fee for each agency code, application acceptance month, and whether or not the campaign is set; and An administrative fee calculation device characterized by the above.

3. 3. The administrative fee calculation device according to claim 2, The creation unit Based on the summary table, a graph is created and output showing the correlation between the number of applications and the success rate depending on whether or not the campaign is set up for the campaign. An administrative fee calculation device comprising:

4. 3. The administrative fee calculation device according to claim 2, The creation unit creating and outputting a graph showing the transition of the total administrative fees for each agency depending on whether or not the campaign is set based on the summary table; An administrative fee calculation device characterized by the above.

5. A method for calculating an administrative fee executed by a administrative fee calculation device having a control unit, A transaction fee master in which transaction fee rates are associated with transaction fee codes; an agency master in which the administrative fee code, the campaign rate for a campaign that reduces the interest rate for a certain period of time, and the campaign application period are associated with each agency code; is accessible to Executed by the control unit, a calculation step of calculating an administrative fee by referring to the administrative fee master and the agency master, and, based on the input agency code, application acceptance date, and loan amount, if the application acceptance date falls within the campaign application period, multiplying the loan amount by a value obtained by subtracting the campaign rate associated with the input agency code from the administrative fee rate associated with the input agency code; containing, A method for calculating administrative fees characterized by the above.

6. A business fee calculation program to be executed by a business fee calculation device having a control unit, A transaction fee master in which transaction fee rates are associated with transaction fee codes; an agency master in which the administrative fee code, the campaign rate for a campaign that reduces the interest rate for a certain period of time, and the campaign application period are associated with each agency code; is accessible to To cause the control unit to execute a calculation step of calculating an administrative fee by referring to the administrative fee master and the agency master, and, based on the input agency code, application acceptance date, and loan amount, if the application acceptance date falls within the campaign application period, multiplying the loan amount by a value obtained by subtracting the campaign rate associated with the input agency code from the administrative fee rate associated with the input agency code; containing, An administrative fee calculation program characterized by the above.

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