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 capable of rearranging repayment schedule data flexibly according to the circumstances of a debtor.SOLUTION: A loan management system is configured to access repayment schedule data including a customer number, the number of repayments, scheduled repayment date, the amount of repayment, the amount of capital repayment, the amount of interest repayment, monthly balance of loans outstanding, the balance of loans outstanding at a bonus, and a loan ratio, the system including repayment rescheduling means which is configured to rearrange repayment schedule data of a target customer number on the basis of designated rescheduling category and rescheduling start date, when the rescheduling category and the rescheduling start date are designated for the target customer number on a repayment rescheduling screen.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, when a change occurs to the loan repayment schedule (=recalculation of monthly repayment schedule), it is necessary to terminate the contract (=full repayment) and then re-register (=calculate) the repayment schedule based on the new contract contents. Conventionally, there is a system for changing the loan repayment schedule, for example, as disclosed in Patent Document 1. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-140525 Summary of the Invention [Problem to be solved by the invention]

[0004] However, the above-mentioned Patent Document 1 does not state anything about flexibly rearranging repayment schedule data in accordance with the circumstances of the debtor.

[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 can flexibly rearrange repayment schedule data according to the circumstances of the debtor. [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 repayment schedule data including customer number, number of repayments, scheduled repayment date, repayment amount, principal repayment amount, interest repayment amount, monthly loan balance, bonus loan balance, and loan interest rate, and is characterized in that when a repayment schedule reorganization category and reorganization start date are specified for a target customer number on the repayment schedule reorganization screen, the system is equipped with a repayment schedule reorganization means which reorganizes the repayment schedule data for the target customer number based on the specified reorganization category and reorganization start date.

[0007] Furthermore, according to one aspect of the present invention, the restructuring classification may include a change from no bonus repayment to bonus repayment, a change from bonus repayment to no bonus repayment, a reduction in the repayment amount for a certain period of time in which only interest is repaid, or a reduction in the repayment amount for a certain period of time in which principal and interest are repaid.

[0008] Furthermore, according to one aspect of the present invention, when the repayment schedule reorganization means is specified as the reorganization category from "without bonus repayment" to "with bonus repayment," and when the reorganization start date, monthly post-reorganization balance, and bonus month are specified on the repayment schedule reorganization screen, the repayment schedule before the reorganization start date remains unchanged, and the balance after the reorganization start date is divided into monthly and bonus payments to recalculate the repayment schedule, and at this time, it may calculate in advance how many bonus payments will arrive by the final monthly repayment date, and reverse-calculate the repayment amount per bonus payment to reorganize the repayment schedule data.

[0009] Furthermore, according to one aspect of the present invention, when the repayment schedule reorganization means is configured such that, when the reorganization category is changed from "with bonus repayment" to "without bonus repayment," and a reorganization start date is specified on the repayment schedule reorganization screen, the repayment schedule before the reorganization start date is left unchanged, the bonus balance as of the reorganization start date is added to the monthly balance, and the repayment schedule is recalculated based on the monthly repayment amount before the reorganization, thereby reorganizing the repayment schedule data.

[0010] Furthermore, according to one aspect of the present invention, when the repayment schedule restructuring means specifies a fixed period of repayment reduction in which only interest is repaid as the restructuring category, when the restructuring start date and reduction period are specified on the repayment schedule restructuring screen, it may calculate a repayment schedule in which only interest is repaid during the reduction period from the restructuring start date onwards, leaving the repayment schedule before the restructuring start date unchanged, and after the reduction period ends, recalculate the repayment schedule based on the monthly repayment amount before the restructuring, and restructure the repayment schedule data.

[0011] Furthermore, according to one aspect of the present invention, when the repayment schedule restructuring means specifies a fixed period of repayment amount reduction for repayment of principal and interest as the restructuring category, and when the restructuring start date, reduction period, and monthly repayment amount at the time of reduction are specified on the repayment schedule restructuring screen, the repayment schedule before the restructuring start date is left unchanged, and from the restructuring start date onwards, the repayment schedule is calculated with the repayment amount per reduction period as the monthly repayment amount at the time of reduction, and after the reduction period ends, the repayment schedule is recalculated based on the monthly repayment amount before the restructuring, and the repayment schedule data is restructured.

[0012] In addition, 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 repayment schedule data including customer number, number of repayments, scheduled repayment date, repayment amount, principal repayment amount, interest repayment amount, monthly loan balance, bonus loan balance, and loan interest rate, and is characterized in that when a repayment schedule reorganization category and reorganization start date are specified for a target customer number on a repayment schedule reorganization screen executed by the control unit, the method includes a repayment schedule reorganization step of reorganizing the repayment schedule data for the target customer number based on the specified reorganization category and reorganization start date.

[0013] 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 repayment schedule data including customer number, number of repayments, scheduled repayment date, repayment amount, principal repayment amount, interest repayment amount, monthly loan balance, bonus loan balance, and loan interest rate, and the loan management program is characterized in that, when a repayment schedule reorganization category and reorganization start date are specified for a target customer number on a repayment schedule reorganization screen executed by the control unit, the program executes a repayment schedule reorganization process to reorganize the repayment schedule data for the target customer number based on the specified reorganization category and reorganization start date. [Effects of the Invention]

[0014] According to the present invention, it is possible to flexibly rearrange repayment schedule data in accordance with the circumstances of the debtor. [Brief explanation of the drawings]

[0015] [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 flowchart illustrating an outline of the overall processing of the control unit of the loan management system according to this embodiment. [Figure 3] FIG. 3 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 4] FIG. 4 is a diagram for explaining a specific example of the processing performed by 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 processing performed by the control unit of the loan management system according to the present embodiment. [Figure 7] FIG. 7 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. [Figure 8] FIG. 8 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. [Figure 9] FIG. 9 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. [Figure 10] FIG. 10 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 11] FIG. 11 is a diagram for explaining a specific example of the process performed by the control unit of the loan management system according to this embodiment. [Figure 12] FIG. 12 is a diagram for explaining a specific example of the process performed by the control unit of the loan management system according to this embodiment. [Figure 13] FIG. 13 is a diagram for explaining a specific example of the process performed by the control unit of the loan management system according to this embodiment. [Figure 14] FIG. 14 is a diagram for explaining a specific example of the process performed by the control unit of the loan management system according to this embodiment. [Figure 15] FIG. 15 is a diagram for explaining a specific example of the process performed by the control unit of the loan management system according to this embodiment. [Figure 16] FIG. 16 is a diagram for explaining a specific example of the process performed by the control unit of the loan management system according to this embodiment. [Figure 17] FIG. 17 is a diagram for explaining a specific example of the process performed by the control unit of the loan management system according to this embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0016] 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.

[0017] [1. Overview] For example, monthly repayments are calculated based on the details of the loan agreement, so if there are any changes to the repayment terms, a business contract must be signed.

[0018] Therefore, when a change to the repayment schedule (i.e., recalculation of monthly repayments) occurs, the contract must be terminated (i.e., paid off in full) and the repayment schedule must be recalculated based on the new contract terms. The system also recognizes this as a separate contract.

[0019] In this case, the loan amount (= balance immediately before the change) and contract date (= change date) registered after the repayment schedule change would differ from the contents of the contract that was signed at the time, causing problems with various external collaborations.

[0020] Some changes to repayment schedules can already be handled using existing technology, mainly due to interest rate fluctuations and early repayments, but this embodiment provides a loan management system that can flexibly rearrange repayment schedule data (for example, changing whether or not a bonus is given, or reducing the repayment amount for a certain period of time) depending on the borrower's circumstances (for example, the current coronavirus situation, etc.).

[0021] When restructuring repayment schedules, the restructuring is not carried out immediately after the debtor's request, but after discussion with the debtor. In the loan management system of this embodiment, when restructuring is carried out, it is possible to specify "when" the restructuring should start and what the "repayment amount" should be after the restructuring.

[0022] In addition, since simulations of repayment plans are often conducted during discussions with debtors, simulations can also be performed.

[0023] In this embodiment, when rearranging repayment schedules, the following patterns of rearrangement are possible.

[0024] (1) No bonus repayment → Bonus repayment (2) Bonus repayment → No bonus repayment (3) Reduce repayment amount for a certain period (I) Make interest-only repayments (defer principal repayments) (II) Repay the principal + interest (reduce the amount of principal repayment)

[0025] The loan management system of this embodiment can be widely applied to the loan industry, such as the financial and non-banking industry, which handles deed loan products such as mortgage loans.

[0026] [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.

[0027] 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).

[0028] 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.

[0029] The storage unit 106 stores various databases, tables, files, etc. The storage unit 106 stores computer programs that work in cooperation with the OS (Operating System) to issue commands to the CPU (Central Processing Unit) to perform various processes. The storage unit 106 may 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 storage unit 106 stores various data such as loan information data, repayment schedule data, and deposit data.

[0030] The loan information data may include the contract date, loan date, loan amount, loan interest rate, repayment method, bonus payment, bonus month, contract date, number of repayments, monthly repayment amount, bonus repayment amount, first repayment date, customer number, and contract number.

[0031] The repayment schedule data may include the customer number, branch number, number of payments, scheduled repayment date, repayment amount, principal repayment amount, interest repayment amount, loan balance (monthly), loan balance (bonus), and loan interest rate.

[0032] The deposit data may include the date of deposit, the amount of deposit, the principal amount applied, the interest amount applied, the loan balance, the customer number, and the branch number.

[0033] 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.

[0034] The control unit 102 is configured to be able to access loan information data, repayment schedule data, etc. stored in the storage unit 106. Note that the loan information data, repayment schedule 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.

[0035] The control unit 102 conceptually includes an application input unit 102a, a deposit processing unit 102b, a repayment schedule reorganization unit 102c, and a screen display control unit 102d.

[0036] When an application for a loan contract is made, the application input unit 102a inputs loan information data and repayment schedule data in accordance with, for example, the operator's operations on the loan information input screen displayed on the monitor 114, and registers them in the memory unit 106.

[0037] When a deposit is made, the deposit processing unit 102b inputs deposit data in response to an operator's operation on a deposit input screen displayed on the monitor 114, for example, and registers the data in the storage unit 106.

[0038] When an application for restructuring of repayment schedules is made, the repayment schedule restructuring unit 102c restructures the repayment schedule data in response to an operator's operation on the repayment schedule restructuring screen displayed on the monitor 114, for example.

[0039] In this case, when a reorganization category and a reorganization start date are specified for the target customer number on the reorganization schedule reorganization screen, the reorganization schedule reorganization unit 102c may reorganize the reorganization schedule data for the target customer number based on the specified reorganization category and reorganization start date.

[0040] In addition, the restructuring classification may include a change from no bonus repayment to bonus repayment, a change from bonus repayment to no bonus repayment, a reduction in repayment amount for a certain period of time with repayment of interest only, or a reduction in repayment amount for a certain period of time with repayment of principal and interest.

[0041] Furthermore, when the repayment schedule reorganization unit 102c is designated as the reorganization category from "without bonus repayment" to "with bonus repayment," and the reorganization start date, monthly post-reorganization balance, and bonus month are designated on the repayment schedule reorganization screen, the repayment schedule before the reorganization start date is left unchanged, and the balance after the reorganization start date is divided into monthly and bonus payments to recalculate the repayment schedule.At this time, it may be possible to calculate in advance how many bonus payments will arrive by the final monthly repayment date, and reverse-calculate the repayment amount per bonus payment to reorganize the repayment schedule data.

[0042] Furthermore, when a change from "with bonus repayment" to "without bonus repayment" is specified as the repayment classification, when a repayment start date is specified on the repayment schedule reconciliation screen, the repayment schedule reconciliation unit 102c may leave the repayment schedule before the reconciliation start date unchanged, add the bonus balance as of the reconciliation start date to the monthly balance, recalculate the repayment schedule based on the monthly repayment amount before the reconciliation, and reconcile the repayment schedule data.

[0043] Furthermore, when a repayment reduction for a certain period in which only interest is repaid is specified as the repayment classification, the repayment schedule reorganization unit 102c may, when the repayment start date and reduction period are specified on the repayment schedule reorganization screen, calculate a repayment schedule in which only interest is repaid during the reduction period from the repayment start date onwards, leaving the repayment schedule before the repayment start date unchanged, and after the reduction period ends, recalculate the repayment schedule based on the monthly repayment amount before the reorganization, and reorganize the repayment schedule data.

[0044] Furthermore, when a repayment amount reduction for a certain period of time for repayment of principal and interest is specified as the repayment classification, the repayment schedule reorganization unit 102c may, when the repayment start date, reduction period, and monthly repayment amount at the time of reduction are specified on the repayment schedule reorganization screen, leave the repayment schedule before the repayment start date unchanged, and calculate a repayment schedule from the repayment start date onwards, with the repayment amount per reduction period as the monthly repayment amount at the time of reduction, and after the reduction period ends, recalculate the repayment schedule based on the monthly repayment amount before the reorganization, and reorganize the repayment schedule data.

[0045] The screen display control unit 102d controls the display of various screens (for example, loan information input screen, deposit screen, repayment schedule restructuring screen, etc.) displayed on the monitor 114 and the reception of inputs.

[0046] [3. Specific Examples] 1 to 17, 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.

[0047] (3-1. Overall processing) 2 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. 2, an outline of the overall processing flow (from applying for a loan to rearranging the repayment schedule) of the control unit 102 of the loan management system 100 in this embodiment will be explained.

[0048] The application input unit 102a executes an application input process (step S1). Specifically, in the application input process, when an application for a loan contract is received, the application input unit 102a inputs loan information data and repayment schedule data in response to an operator's operation on a loan information input screen displayed on the monitor 114, for example, and registers the data in the storage unit 106.

[0049] The deposit processing unit 102b executes the deposit processing (step S2). Specifically, in the deposit processing, when a deposit is made, the deposit processing unit 102b inputs deposit data in response to an operator's operation on a deposit input screen displayed on the monitor 114, for example, and registers the data in the storage unit 106.

[0050] The repayment schedule reorganization unit 102c executes the repayment schedule reorganization process (step S3). Specifically, in the repayment schedule reorganization process, when an application for repayment schedule reorganization is made, the repayment schedule reorganization unit 102c reorganizes the repayment schedule data in response to, for example, an operator's operation on the repayment schedule reorganization screen displayed on the monitor 114.

[0051] In this case, when a reorganization category and a reorganization start date are specified for the target customer number on the reorganization schedule reorganization screen, the reorganization schedule reorganization unit 102c may reorganize the reorganization schedule data for the target customer number based on the specified reorganization category and reorganization start date.

[0052] In addition, the restructuring classification may include a change from no bonus repayment to bonus repayment, a change from bonus repayment to no bonus repayment, a reduction in repayment amount for a certain period of time with repayment of interest only, or a reduction in repayment amount for a certain period of time with repayment of principal and interest.

[0053] Furthermore, when the repayment schedule reorganization unit 102c is designated as the reorganization category from "without bonus repayment" to "with bonus repayment," and the reorganization start date, monthly post-reorganization balance, and bonus month are designated on the repayment schedule reorganization screen, the repayment schedule before the reorganization start date is left unchanged, and the balance after the reorganization start date is divided into monthly and bonus payments to recalculate the repayment schedule.At this time, it may be possible to calculate in advance how many bonus payments will arrive by the final monthly repayment date, and reverse-calculate the repayment amount per bonus payment to reorganize the repayment schedule data.

[0054] Furthermore, when a change from "with bonus repayment" to "without bonus repayment" is specified as the repayment classification, when a repayment start date is specified on the repayment schedule reconciliation screen, the repayment schedule reconciliation unit 102c may leave the repayment schedule before the reconciliation start date as is, add the bonus balance as of the reconciliation start date before the reconciliation start date to the monthly balance, recalculate the reconciliation schedule based on the monthly repayment amount before the reconciliation, and reconcile the reconciliation schedule data.

[0055] Furthermore, when a repayment reduction for a certain period in which only interest is repaid is specified as the repayment classification, the repayment schedule reorganization unit 102c may, when the repayment start date and reduction period are specified on the repayment schedule reorganization screen, calculate a repayment schedule in which only interest is repaid during the reduction period from the repayment start date onwards, leaving the repayment schedule before the repayment start date unchanged, and after the reduction period ends, recalculate the repayment schedule based on the monthly repayment amount before the reorganization, and reorganize the repayment schedule data.

[0056] Furthermore, when a repayment amount reduction for a certain period of time for repayment of principal and interest is specified as the repayment classification, the repayment schedule reorganization unit 102c may, when the repayment start date, reduction period, and monthly repayment amount at the time of reduction are specified on the repayment schedule reorganization screen, leave the repayment schedule before the repayment start date unchanged, and calculate a repayment schedule from the repayment start date onwards, with the repayment amount per reduction period as the monthly repayment amount at the time of reduction, and after the reduction period ends, recalculate the repayment schedule based on the monthly repayment amount before the reorganization, and reorganize the repayment schedule data.

[0057] (3-2. Sample data) 3 to 17 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. 3 to 17.

[0058] (S1: Application input process) A specific example of the application input process will be described with reference to Figures 3 to 5. The application input process registers loan information data, which are the various conditions for the loan, from the application input, and calculates, expands, and registers repayment schedule data.

[0059] 3 is a diagram showing an example of loan information data. The loan information data includes the following fields: contract date, loan date, loan amount, loan interest rate, repayment method, bonus payment, bonus month, agreement date, number of repayments, monthly repayment amount, bonus repayment amount, first repayment date, customer number, and contract number. In the example shown in the figure, the contract date is 2022 / 10 / 01, the loan date is "2022 / 10 / 05", the loan amount is "35,000,000", the loan interest rate is "1.50000%, the repayment method is "1: equal principal and interest", the bonus payment is "0: none", the bonus month is "- month / - month", the agreement date is the 15th, the number of repayments is 420, the monthly repayment amount is "105,000", the bonus repayment amount is "-", the first repayment date is "2022 / 12 / 15", the customer number is "123", and the contract number is "0000000123-001".

[0060] 4 is a diagram showing a display example of a loan information input screen. The loan information input screen displays a customer number, It has a header area for specifying the branch number, contract number, contract date, loan date, loan amount, loan interest rate, repayment method, bonus separate payment, bonus month, contract date, number of repayments, monthly repayment amount, bonus repayment amount, and first repayment date, a repayment schedule creation button, a repayment schedule area where the repayment schedule is displayed, and a registration button (not shown).

[0061] The repayment schedule area includes the following items: number of payments, scheduled repayment date, repayment amount, principal repayment amount, interest repayment amount, loan balance (monthly), loan balance (bonus), and loan interest rate.

[0062] When you enter data in the header area and press the Create Repayment Schedule button, a repayment schedule based on the input information is calculated and displayed in the repayment schedule area, allowing you to simulate the repayment schedule. When you press the Register button (not shown), loan information data based on the input information in the header area and repayment schedule data based on the repayment schedule displayed in the repayment schedule area are registered. In the example of the loan information input screen shown in FIG. 4, when a registration button (not shown) is pressed, the loan information data shown in FIG. 3 and the repayment schedule data shown in FIG. 5 are registered.

[0063] 5 is a diagram showing an example of repayment schedule data. The repayment schedule data includes the following items: customer number, branch number, number of payments, scheduled repayment date, repayment amount, principal repayment amount, interest repayment amount, loan balance (monthly), loan balance (bonus), and loan interest rate.

[0064] (S2: Deposit processing) A specific example of the deposit process will be described with reference to Figure 6. In the deposit process, when a deposit is made based on the repayment schedule, the deposit is applied to the principal and interest every month.

[0065] Figure 6(A) is a diagram showing an example of deposit data. The deposit data includes the following fields: deposit date, deposit amount, principal application amount, interest application amount, loan balance, customer number, and branch number. In the example shown in the figure, the deposit date is "2022 / 12 / 15", deposit amount is "105,000", principal application amount is "100,000", interest application amount is "5,000", loan balance is "34,900,000", customer number is "123", and branch number is "1".

[0066] Figure 6(B) is a diagram showing an example of the deposit screen display. The deposit screen has fields for inputting the following items: customer number, branch number, deposit date, deposit amount, principal allocation amount, interest allocation amount, and loan balance, as well as a register button (not shown). When data is entered into each field and the register button (not shown) is pressed, the deposit data corresponding to the input content is registered. In the case of the input content shown in Figure 6(B), the deposit data shown in Figure 6(A) is registered.

[0067] (S3: Repayment schedule restructuring process) A specific example of the repayment schedule restructuring process will be described with reference to FIGS.

[0068] The conventional operation is as follows (1) to (2). (1) Since the repayment schedule created and registered at the application input stage cannot be changed midway, first pay off the relevant contract using a dummy. (2) Information based on the changes will be registered as a new contract when the application is submitted, and the repayment schedule will be calculated (the system will recognize it as a separate contract). For this reason, it will be necessary to separately report to external credit information agencies and to external partner companies the details of the association between the old and new contracts.

[0069] The operation of this embodiment is as follows. (1) Compared to conventional operations, this function allows rescheduling of repayment schedules to be completed in one operation. (2) In addition, with this function, there is no need to pay off the old contract and register a new contract, which eliminates the burden (consideration) of reporting to external credit information agencies or external partner companies.

[0070] When a reorganization category and a reorganization start date are specified for the target (specified) customer number on the reorganization schedule reorganization screen, the reorganization schedule reorganization unit 102c reorganizes the reorganization schedule data for the target customer number based on the specified reorganization category and reorganization start date. Below, we will describe in detail each pattern of reorganization categories that can be reorganized.

[0071] (1) When changing from no bonus repayment to bonus repayment 7 and 8, a case where the repayment schedule is changed from no bonus repayment to bonus repayment will be described.

[0072] When the repayment schedule reorganization unit 102c is specified on the repayment schedule reorganization screen as the reorganization category from "without bonus reorganization" to "with bonus reorganization," and when the reorganization start date, the monthly balance after reorganization, and the bonus month are specified, it leaves the repayment schedule before the reorganization start date unchanged and divides the balance after the reorganization start date into monthly and bonus payments to recalculate the repayment schedule, calculating in advance how many bonus payments will arrive by the final monthly repayment date and reorganizing the repayment schedule data by calculating backward the repayment amount per bonus payment.

[0073] Fig. 7 is a diagram showing an example of a repayment schedule rearrangement screen display, and Fig. 8 is a diagram showing an example of repayment schedule data after rearrangement.

[0074] As shown in Figure 7, the repayment schedule restructuring screen has a header area for specifying the items: customer number, branch number, contract number, restructuring category, restructuring start date, balance at time of restructuring (monthly), balance at time of restructuring (bonus), reduction period, monthly repayment amount at time of reduction, bonus repayment amount at time of reduction, balance after restructuring (monthly), balance after restructuring (bonus), and bonus month; a repayment schedule creation button; a repayment schedule area where the repayment schedule is displayed; and a registration button (not shown).

[0075] When the customer number is specified, the loan information data and repayment schedule data in the storage unit 206 are referenced using the customer number as a key. The restructuring classification can be selected from 1: No bonus → Yes, 2: Bonus → No bonus, 3: Fixed period reduction (interest only repayment), 4: Fixed period reduction (principal + interest), and whether or not items can be entered is controlled according to the restructuring classification, reducing the input load and preventing input errors.

[0076] If "1: No bonus → Yes" is selected as the restructuring classification, the restructuring start date, remaining balance after restructuring (monthly), and bonus month can be entered, and the operator specifies the restructuring start date, remaining balance after restructuring (monthly), and bonus month. The contract number (read from the loan information data using the customer number as a key), balance at time of restructuring (monthly), and balance after restructuring (bonus) are automatically displayed (and cannot be changed), and other items are controlled so that they cannot be entered.

[0077] The repayment schedule area has the following fields: number of payments, scheduled repayment date, repayment amount, principal repayment amount, interest repayment amount, loan balance (monthly), loan balance (bonus), and loan interest rate. When you press the Create Repayment Schedule button, the repayment schedule data for the specified customer number is recombined based on the input in the header area, and the data is displayed in the repayment schedule area, allowing you to simulate the repayment schedule.

[0078] In the example shown in the figure, the operator has specified customer number "123," reorganization start date "2023 / 03 / 15," post-reorganization balance (monthly) "24,000,000," and bonus month "6 / 12." Using customer number "123" as a key, the repayment schedule data is referenced, and the balance at the time of reorganization (monthly) "34,699,700" and post-reorganization balance (bonus) "10,699,700" are automatically calculated and displayed. When the Create Repayment Schedule button is pressed, the reorganization of the repayment schedule is calculated and displayed in the repayment schedule area.

[0079] Specifically, as shown in Figure 8, when the reorganization start date, the monthly balance after reorganization, and the bonus month are specified, the repayment schedule before the reorganization start date is left unchanged, and the balance after the reorganization start date is divided into monthly and bonus payments to recalculate the repayment schedule.At this time, the number of bonus payments that will arrive by the final monthly repayment date is calculated in advance, and the repayment amount per bonus payment is calculated backwards to reorganize the repayment schedule data.

[0080] When the user presses a registration button (not shown), the restructured repayment schedule data as shown in FIG.

[0081] (2) Changing to Bonus Repayment or No Bonus Repayment 9 to 11, a case where the repayment schedule is changed from one with bonus repayment to one without bonus repayment will be described.

[0082] When a change from "without bonus repayment" to "with bonus repayment" is specified as the repayment classification on the repayment schedule reconfiguration screen, the repayment schedule reconfiguration unit 102c specifies the reconfiguration start date, leaves the repayment schedule before the reconfiguration start date unchanged, adds the bonus balance as of the reconfiguration start date to the monthly balance, recalculates the repayment schedule based on the monthly repayment amount before the reconfiguration, and reconfigures the repayment schedule data.

[0083] Fig. 9 is a diagram showing an example of repayment schedule data before reorganization, which is registered in storage unit 206. Fig. 10 is a diagram showing an example of the repayment schedule reorganization screen. Fig. 11 is a diagram showing an example of repayment schedule data after reorganization.

[0084] On the repayment schedule recalculation screen in Figure 10, if "2: With bonus → Without" is selected as the recalculation classification, the recalculation start date can be entered, and the operator specifies the recalculation start date. The contract number, balance at recalculation (monthly), balance at recalculation (bonus), and balance after recalculation (monthly) are automatically displayed (and cannot be changed), and other items cannot be entered.

[0085] In the example shown in the figure, the operator has specified customer number "222" and reorganization start date "2023 / 03 / 15." Using customer number "222" as a key, the reorganization schedule data in Figure 9 is referenced, and the balance at reorganization (monthly) "24,000,000," balance at reorganization (bonus) "10,699,700," and balance after reorganization (monthly) "34,699,700" are automatically displayed. When the Create Reorganization Schedule button is pressed, the reorganization of the reorganization schedule is calculated and displayed in the reorganization schedule area.

[0086] Specifically, as shown in Figure 11, when the restructuring start date is specified, the repayment schedule before the restructuring start date remains the same, the bonus balance as of the restructuring start date is added to the monthly balance, and the repayment schedule is recalculated based on the monthly repayment amount before the restructuring, and the repayment schedule data is restructured. In this case, the final repayment date after the restructuring is extended from the final repayment date before the restructuring.

[0087] When the user presses a registration button (not shown), the restructured repayment schedule data as shown in FIG. 11 is registered in the storage unit 206.

[0088] (3) Reduce repayment amount for a certain period (I) If you make interest-only repayments (defer principal repayments) 12 to 14, a case where the repayment amount is reduced for a certain period and only interest is repaid will be described.

[0089] When a repayment schedule reorganization section 102c specifies a repayment amount reduction for a certain period in which only interest is repaid as the reorganization category on the repayment schedule reorganization screen, the reorganization start date and the reduction period are specified. The repayment schedule before the start date of restructuring is left as it is, and a repayment schedule in which only interest for the reduced period is repaid is calculated after the start date of restructuring, and after the end of the reduced period, the repayment schedule is recalculated based on the monthly repayment amount before the restructuring, and the repayment schedule data is restructured.

[0090] Fig. 12 is a diagram showing an example of repayment schedule data before reorganization, which is registered in storage unit 206. Fig. 13 is a diagram showing an example of the repayment schedule reorganization screen. Fig. 14 is a diagram showing an example of repayment schedule data after reorganization.

[0091] On the repayment schedule restructuring screen in Figure 13, if "3: Fixed period reduction (interest only repayment)" is selected as the restructuring type, the restructuring start date and reduction period can be entered, and the operator specifies the restructuring start date and reduction period. The contract number and balance at the time of restructuring (monthly) are automatically displayed (and cannot be changed), and other items cannot be entered.

[0092] In the example shown in the figure, the operator has specified customer number "345," restructuring start date "2023 / 03 / 15," and reduction period "4 months." Using customer number "345" as a key, the repayment schedule data in Figure 12 is referenced, and the balance at the time of restructuring (monthly) of "34,699,700" is automatically displayed. When the Create Repayment Schedule button is pressed, the restructuring of the repayment schedule is calculated and displayed in the repayment schedule area.

[0093] Specifically, as shown in Figure 14, when the restructuring start date and the reduction period are specified, the repayment schedule before the restructuring start date remains the same, and a repayment schedule is calculated from the restructuring start date onwards, with only the interest for the reduction period being repaid. In this case, there is no principal repayment, so the balance does not decrease, and after the reduction period ends, the repayment schedule is recalculated based on the monthly repayment amount before the restructuring, and the repayment schedule data is restructured. In this case, the final repayment date after the restructuring is extended from the final repayment date before the restructuring.

[0094] When the user presses a registration button (not shown), the restructured repayment schedule data as shown in FIG.

[0095] (II) Repaying the principal + interest (reducing the principal repayment amount) 15 to 17, a case where the repayment amount is reduced for a certain period and the principal and interest are repaid will be described.

[0096] When a fixed period repayment amount reduction for repayment of principal and interest is specified as the repayment classification on the repayment schedule recalculation screen, and the repayment start date, reduction period, and monthly repayment amount at the time of reduction are specified, the repayment schedule recalculation unit 102c calculates a repayment schedule from the start date of recalculation onwards, leaving the repayment schedule before the start date of recalculation unchanged, with the repayment amount per reduction period as the monthly repayment amount at the time of reduction, and after the end of the reduction period, recalculates the repayment schedule based on the monthly repayment amount before the recalculation, and reclassifies the repayment schedule data.

[0097] Fig. 15 is a diagram showing an example of repayment schedule data before reorganization, which is registered in the storage unit 206. Fig. 16 is a diagram showing an example of the repayment schedule reorganization screen. Fig. 17 is a diagram showing an example of repayment schedule data after reorganization.

[0098] On the repayment schedule restructuring screen in Figure 16, if "4: Fixed period reduction (principal + interest)" is selected as the restructuring type, the restructuring start date, reduction period, and monthly repayment amount at the time of reduction can be entered, and the operator specifies the restructuring start date, reduction period, and monthly repayment amount at the time of reduction. The contract number and balance at the time of restructuring (monthly) are automatically displayed (and cannot be changed), and other items cannot be entered.

[0099] In the example shown in the figure, the operator has specified customer number "404," restructuring start date "2023 / 03 / 15," reduction period "4 months," and monthly repayment amount at time of reduction "50,000." Using customer number "404" as a key, the repayment schedule data in Figure 15 is referenced, and the balance at time of restructuring (monthly) of "34,699,700" is automatically displayed. When the Create Repayment Schedule button is pressed, the restructuring of the repayment schedule is calculated and displayed in the repayment schedule area.

[0100] Specifically, as shown in Figure 17, when the restructuring start date, the reduction period, and the monthly repayment amount during the reduction are specified, the repayment schedule before the restructuring start date remains the same, and from the restructuring start date onwards, the repayment schedule is calculated with the repayment amount per reduction period as the monthly repayment amount during the reduction period, and after the reduction period ends, the repayment schedule is recalculated based on the monthly repayment amount before the restructuring, and the repayment schedule data is restructured. In this case, the final repayment date after the restructuring is extended from the final repayment date before the restructuring.

[0101] When the user presses a registration button (not shown), the restructured repayment schedule data as shown in FIG.

[0102] As explained above, according to this embodiment, when a reorganization category and a reorganization start date are specified for the target customer number on the repayment schedule reorganization screen, the repayment schedule reorganization unit 102c is provided which reorganizes the repayment schedule data for the target customer number based on the specified reorganization category and reorganization start date, making it possible to flexibly reorganize the repayment schedule data according to the circumstances of the debtor.

[0103] [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.

[0104] 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.

[0105] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0106] 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.

[0107] 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.

[0108] 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.

[0109] 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.

[0110] 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.

[0111] 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.

[0112] 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.

[0113] 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.

[0114] 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.

[0115] 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 an information processing device connected to any peripheral device. The loan management system 100 may also be realized by installing software (including programs, data, etc.) that causes the device to perform the processing described in this embodiment.

[0116] 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]

[0117] 100 Loan Management System 102 Control section 102a Application input section 102b Deposit processing section 102c Repayment Schedule Reorganization Section 102d Screen display control unit 104 Communication interface unit 106 Storage section 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 It is configured to allow access to repayment schedule data including customer number, number of repayments, scheduled repayment date, repayment amount, principal repayment amount, interest repayment amount, monthly loan balance, bonus loan balance, and loan interest rate. a repayment schedule reorganization means for reorganizing the repayment schedule data of a target customer number based on the reorganization category and reorganization start date specified on the repayment schedule reorganization screen, A loan management system characterized in that the restructuring classification includes a change from no bonus repayment to bonus repayment, a change from bonus repayment to no bonus repayment, a reduction in repayment amount for a certain period of time with repayment of interest only, or a reduction in repayment amount for a certain period of time with repayment of principal and interest.

2. 2. The loan management system of claim 1, wherein when the restructuring category is changed from "without bonus repayment" to "with bonus repayment," and the restructuring start date, monthly post-restructuring balance, and bonus month are specified on the restructuring schedule screen, the repayment schedule restructuring means leaves the repayment schedule before the restructuring start date unchanged and divides the balance from the restructuring start date onwards into monthly and bonus payments to recalculate the repayment schedule, and in this case, calculates in advance how many bonus payments will arrive until the final monthly repayment date, and reverse-calculates the repayment amount per bonus payment to restructure the repayment schedule data.

3. The loan management system of claim 1, characterized in that when the restructuring category is changed from with bonus repayment to without bonus repayment, and a restructuring start date is specified on the restructuring schedule screen, the repayment schedule restructuring means leaves the repayment schedule before the restructuring start date unchanged, adds the bonus balance as of the restructuring start date to the monthly balance, recalculates the repayment schedule based on the monthly repayment amount before the restructuring, and restructures the repayment schedule data.

4. The loan management system of claim 1, characterized in that when the restructuring category is specified as a fixed period of repayment reduction in which only interest is repaid, and the restructuring start date and reduction period are specified on the restructuring schedule screen, the repayment schedule restructuring means calculates a repayment schedule in which only interest is repaid during the reduction period from the start date of the restructuring, leaving the repayment schedule before the start date of the restructuring unchanged, and after the reduction period ends, recalculates the repayment schedule based on the monthly repayment amount before the restructuring, and restructures the repayment schedule data.

5. The loan management system of claim 1, characterized in that when the repayment classification is specified as a fixed period of repayment amount reduction for repayment of principal and interest, and the repayment start date, reduction period, and monthly repayment amount at the time of reduction are specified on the repayment schedule recalculation screen, the repayment schedule recalculation means leaves the repayment schedule before the repayment start date unchanged, calculates a repayment schedule from the repayment start date onwards in which the repayment amount per reduction period is the monthly repayment amount at the time of reduction, and after the reduction period ends, recalculates the repayment schedule based on the monthly repayment amount before the repayment, and reorganizes the repayment schedule data.

6. A loan management method executed by an information processing device having a control unit, The control unit It is configured to allow access to repayment schedule data including customer number, number of repayments, scheduled repayment date, repayment amount, principal repayment amount, interest repayment amount, monthly loan balance, bonus loan balance, and loan interest rate. Executed in the control unit: a repayment schedule reorganization step for reorganizing the repayment schedule data of the target customer number based on the reorganization category and the reorganization start date specified for the target customer number on the repayment schedule reorganization screen; A loan management method characterized in that the restructuring classification includes a change from no bonus repayment to bonus repayment, a change from bonus repayment to no bonus repayment, a reduction in repayment amount for a certain period of time with repayment of interest only, or a reduction in repayment amount for a certain period of time with repayment of principal and interest.

7. A loan management program to be executed by an information processing device having a control unit, The control unit It is configured to allow access to repayment schedule data including customer number, number of repayments, scheduled repayment date, repayment amount, principal repayment amount, interest repayment amount, monthly loan balance, bonus loan balance, and loan interest rate. The control unit A loan management program for executing a repayment schedule reorganization process that reorganizes the repayment schedule data of a target customer number based on the reorganization category and reorganization start date specified for the target customer number on a repayment schedule reorganization screen, A loan management program characterized in that the restructuring classification includes a change from no bonus repayment to bonus repayment, a change from bonus repayment to no bonus repayment, a reduction in repayment amount for a certain period of time with repayment of interest only, or a reduction in repayment amount for a certain period of time with repayment of principal and interest.

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