Program and Loan Information Management System

Abstract

To provide a program and a loan information management system that can accurately suggest financial institutions that will provide loans according to items to be purchased. [Solution] Program 12a is a program that causes a processor of a loan information management system 100 that can communicate with a user terminal 20 used by a user who wishes to obtain a loan from a financial institution to execute processing. Program 12a causes the processor to execute the following processes: acquire information on a real estate property that the user plans to purchase; refer to a database 12b, in which loan objects and loan records are stored in association with financial institutions, based on the real estate property information, to extract financial institutions that will provide a loan for the item that the user plans to purchase; and transmit information on financial institutions that will provide a loan for the item that the user plans to purchase to the user terminal 20.

Description

[Technical Field]

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

[0002] Patent Document 1 discloses a loan information providing device. This loan information providing device acquires monthly financial statement information of loan recipient businesses and calculates a loan score for the loan recipient businesses based on the acquired monthly financial statement information. The loan information providing device acquires loan condition information from each financial institution server device, including loan approval conditions according to the loan score, loan amount, interest rate, repayment period, and whether or not collateral is required. Based on the loan score and the loan condition information, the loan information providing device displays the loan amount, interest rate, loan availability date, repayment period, and whether or not collateral is required from each financial institution on a display unit. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Publication No. 2020-112951 Summary of the Invention [Problem to be solved by the invention]

[0004] The loan information providing device described in Patent Document 1 obtains loan condition information corresponding to a loan score based on monthly settlement information from each financial institution server device. Here, a loan recipient (user) often applies for a loan from a financial institution when planning to purchase an item. In this case, the loan officer at the financial institution (loan provider) considers not only the monthly settlement information but also the details of the planned purchase as important factors in determining whether to grant a loan and the loan conditions. However, since the loan information providing device described in Patent Document 1 calculates the loan score solely based on the monthly settlement information, the provided information differs from the loan conditions actually applied for at the financial institution, which poses a problem in that accurate information on loan conditions is not provided to the user.

[0005] The present invention has been made to solve the above-mentioned problems, and aims to provide a program and a loan information management system that can accurately suggest financial institutions that will provide loans based on the items a user plans to purchase (planned purchase items). [Means for solving the problem]

[0006] To achieve the above object, the program disclosed below causes a processor of a loan information management system capable of communicating with a user terminal used by a user who wishes to obtain a loan from a financial institution to execute the following processes: acquire information about an item the user plans to purchase; reference a loan history database, in which loan targets and loan histories are stored in association with financial institutions, based on the information about the item to be purchased, to extract financial institutions that will provide a loan for the item to be purchased; and transmit information about financial institutions that will provide a loan for the item to be purchased to the user terminal.

[0007] The loan information management system disclosed below is capable of communicating with a user terminal used by a user who wishes to obtain a loan from a financial institution. The loan information management system includes an information acquisition unit that acquires information on a prospective purchase item that the user plans to purchase, an extraction unit that references a loan history database in which loan targets and loan histories are stored in association with financial institutions based on the information on the prospective purchase item and extracts financial institutions that will provide a loan for the prospective purchase item, and a transmission control unit that transmits information on financial institutions that will provide a loan for the prospective purchase item to the user terminal. [Effects of the Invention]

[0008] According to the above configuration, it is possible to accurately suggest financial institutions that can provide financing according to the item (planned purchase) that the user plans to purchase. [Brief explanation of the drawings]

[0009] [Figure 1]FIG. 1 is a block diagram showing the configuration of a loan information management system 100 according to this embodiment. [Figure 2] FIG. 2 is a block diagram showing the configuration of the user terminal 20. As shown in FIG. [Figure 3] FIG. 3 is a block diagram showing the configuration of the loan officer terminal 30. As shown in FIG. [Figure 4] FIG. 4 is a block diagram showing the configuration of the property introducer terminal 40. As shown in FIG. [Figure 5] FIG. 5 is a diagram for explaining the configuration of the database 12b. [Figure 6] FIG. 6 is a diagram for explaining the configuration of the database 12b. [Figure 7] FIG. 7 is a diagram for explaining the configuration of the database 12b. [Figure 8] FIG. 8 is a diagram for explaining the configuration of the database 12b. [Figure 9] FIG. 9 is a diagram for explaining the configuration of the database 12b. [Figure 10] FIG. 10 is a diagram for explaining the configuration of the database 12b. [Figure 11] FIG. 11 is a diagram for explaining the configuration of the database 12b. [Figure 12] FIG. 12 is a diagram for explaining the configuration of the database 12b. [Figure 13] FIG. 13 is a diagram for explaining the configuration of the database 12b. [Figure 14] FIG. 14 is a diagram for explaining the configuration of the database 12b. [Figure 15] FIG. 15 is a diagram for explaining the configuration of the database 12b. [Figure 16] FIG. 16 is a diagram for explaining the configuration of the database 12b. [Figure 17] FIG. 17 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 18] FIG. 18 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 19] FIG. 19 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 20A] FIG. 20A is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 20B] FIG. 20B is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. [Figure 20C] FIG. 20C is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. [Figure 20D] FIG. 20D is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. [Figure 20E] FIG. 20E is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. [Figure 20F] FIG. 20F is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. [Figure 21] FIG. 21 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 22] FIG. 22 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 23] FIG. 23 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 24] FIG. 24 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 25] FIG. 25 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 26] FIG. 26 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 27] FIG. 27 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 28] FIG. 28 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 29] FIG. 29 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 30] FIG. 30 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 31] FIG. 31 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 32] FIG. 33 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 33] FIG. 33 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 34] FIG. 34 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 35] FIG. 35 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 36] FIG. 36 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 37] FIG. 37 is a flow diagram for explaining the processing related to the proposal of financial institutions by the loan information management system 100. [Figure 38] FIG. 38 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. [Figure 39A] FIG. 39A is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 39B] FIG. 39B is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. [Figure 39C] FIG. 39C is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. [Figure 39D] FIG. 39D is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. [Figure 39E] FIG. 39E is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. [Figure 40] FIG. 40 is a diagram showing an example of a screen displayed on the display unit 33 of the loan officer terminal 30. As shown in FIG. [Figure 41]FIG. 41 is a diagram showing an example of a screen displayed on the display unit 33 of the loan officer terminal 30. As shown in FIG. [Figure 42] FIG. 42 is a diagram showing an example of a screen displayed on the display unit 33 of the loan officer terminal 30. As shown in FIG. [Figure 43] FIG. 43 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. As shown in FIG. [Figure 44] FIG. 44 is a block diagram showing the configuration of a loan information management system 200 according to a first modified example of this embodiment. [Figure 45] FIG. 45 is a diagram illustrating a proposal screen of the loan information management system according to the second modification of this embodiment. [Figure 46] FIG. 46 is a diagram showing an example of a screen displayed on the display unit 23 of the user terminal 20. DETAILED DESCRIPTION OF THE INVENTION

[0010] An embodiment of the present invention will be described below with reference to the drawings. The present invention is not limited to the following embodiment, and appropriate design modifications can be made within the scope of the configuration of the present invention. In the following description, the same reference numerals are used in different drawings for identical parts or parts having similar functions, and repeated description thereof will be omitted. The configurations described in the embodiment and modified examples may be combined or modified as appropriate. To facilitate understanding of the description, the drawings referred to below show simplified or schematic configurations, and some components may be omitted.

[0011] [Outline of the loan information management system 100] FIG. 1 is a block diagram showing the configuration of a loan information management system 100 according to this embodiment. The loan information management system 100 is a system for managing and providing information related to loans to multiple users who wish to obtain loans from financial institutions. The loan information management system 100 suggests financial institutions that will provide loans according to the items the user plans to purchase, and automatically generates documents for the user when applying for a loan from a financial institution, making it easier for the bank to review the application, and also enabling the user to efficiently send emails and seek loan consultations.

[0012] "Financial institutions" are corporations and organizations that engage in financial transactions, such as accepting and lending funds, and include, for example, banks (city banks, regional banks, trust banks, etc.), credit unions, labor banks, and agricultural cooperative financial institutions.

[0013] A "user" is a person who wishes to obtain a loan from a financial institution. In this embodiment, a "user" is a person who plans to purchase an item (real estate property) in order to earn a profit. A "user" is a person who seeks to obtain a loan from a financial institution in order to obtain funds for the purchase of an item. A "user" is, for example, a representative or employee of a real estate reseller, a real estate investment company (real estate investor), a real estate agent, a real estate rental agent, an asset management company, a real estate developer, etc. A real estate property is an item that is planned to be sold or rented by the user to another person after being purchased by the user.

[0014] In this embodiment, (1) the loan information management system 100 acquires information about a real estate property that a user plans to purchase. (2) The loan information management system 100 references a database 12b, in which real estate property information and loan records are stored in association with each financial institution, based on the information about the real estate property that the user plans to purchase, and extracts financial institutions that will provide financing for the real estate property that the user plans to purchase. (3) The loan information management system 100 transmits information about financial institutions that will provide financing for the item that the user plans to purchase to the user terminal 20.

[0015] According to the above configuration, a financial institution that will provide financing for the intended purchase is extracted based on information about the real estate property to be purchased by referencing a financing history database in which the object to be financed and the financing history are stored in association with financial institutions. This allows financial institutions to be extracted that take into account not only the user's financial information but also the information about the intended purchase. As a result, it is possible to more accurately suggest financial institutions that will provide financing for the intended purchase compared to when only the user's financial information is taken into account.

[0016] [Configuration of each part of the loan information management system 100] 1, the loan information management system 100 is configured to be able to communicate with a plurality of user terminals 20, a plurality of loan officer terminals 30, a plurality of property introducer terminals 40, and an email service system 50 via a network N. The network N is, for example, a local area network (LAN) or the Internet, but other networks may also be used.

[0017] As shown in FIG. 1, the loan information management system 100 includes a server device 10. The server device 10 includes a control unit 11, a storage unit 12, and a communication unit 13. The server device 10 may be an on-premise (stationary) server device or a server device configured on the cloud. The control unit 11 includes a processor that executes a program 12a to perform control processing. The control unit 11 executes each control processing of the server device 10. The storage unit 12 includes a read-only memory (ROM) and a random access memory (RAM). The storage unit 12 stores a program 12a and a database 12b. The communication unit 13 includes a communication interface connected to a network N.

[0018] (Configuration of user terminal 20) FIG. 2 is a block diagram showing the configuration of a user terminal 20. The user terminal 20 is an information processing terminal (e.g., a personal computer, a tablet terminal, a smartphone, etc.) used by a user. The user terminal 20 includes a control unit 21, an operation unit 22, a display unit 23, a communication unit 24, a microphone 25, a speaker 26, and a storage unit 27. The control unit 21 includes a processor that executes a program 27a to perform control processing. The program 27a includes an application program for using the functions of the loan information management system 100 and an application program for using the email service system 50. The operation unit 22 is, for example, a keyboard, a mouse, and a touch panel. The display unit 23 is, for example, an organic electroluminescence (EL) display or a liquid crystal display. The communication unit 24 is a communication interface for communicating with the network N. The microphone 25 converts the user's voice into voice data (electrical signals). The speaker 26 outputs the voice data as a voice. The storage unit 27 includes a read-only memory (ROM) and a random access memory (RAM). The storage unit 27 stores a program 27a, proceedings voice data 27b, and email data 27c. The proceedings voice data 27b is data of a recorded conversation between the user and another person (for example, a loan officer). The proceedings voice data 27b is data of voice input by the microphone 25 or call data.

[0019] (Configuration of loan officer terminal 30) FIG. 3 is a block diagram showing the configuration of a loan officer terminal 30. The loan officer terminal 30 is an information processing terminal (e.g., a personal computer, a tablet terminal, a smartphone, etc.) used by a loan officer. A "loan officer" is an employee of a financial institution and is the person in charge at the financial institution when a user applies for a loan. The "loan officer" interacts with users who are considering a loan and users who have applied for a loan. The "loan officer" may be a person who can decide whether to grant a loan, or a person who does not have the authority to grant a loan but acts as a liaison between the authorized person and the user. As shown in FIG. 3, the loan officer terminal 30 includes a control unit 31, an operation unit 32, a display unit 33, a communication unit 34, a microphone 35, a speaker 36, and a memory unit 37. The control unit 31, operation unit 32, display unit 33, communication unit 34, microphone 35, speaker 36, and storage unit 37 have the same configurations as the control unit 21, operation unit 22, display unit 23, communication unit 24, microphone 25, speaker 26, and storage unit 27, respectively, and therefore their explanations will be omitted. The control unit 31 executes control processing according to a program 37a stored in the storage unit 37.

[0020] (Configuration of property introducer terminal 40) FIG. 4 is a block diagram showing the configuration of a property introducer terminal 40. The property introducer terminal 40 is an information processing terminal (e.g., a personal computer, a tablet terminal, a smartphone, etc.) used by a property introducer. A "property introducer" is a person who introduces real estate properties to users. A "property introducer" is, for example, a representative or employee of a real estate reseller, a real estate investment company, a real estate brokerage, an asset management company, a real estate developer, etc. As shown in FIG. 4, the property introducer terminal 40 includes a control unit 41, an operation unit 42, a display unit 43, a communication unit 44, a microphone 45, a speaker 46, and a memory unit 47. The control unit 41, the operation unit 42, the display unit 43, the communication unit 44, the microphone 45, the speaker 46, and the memory unit 47 have the same configurations as the control unit 21, the operation unit 22, the display unit 23, the communication unit 24, the microphone 25, the speaker 26, and the memory unit 27, respectively, and therefore description thereof will be omitted. The control unit 41 executes control processing according to a program 47 a stored in the storage unit 47 .

[0021] (Configuration of mail service system 50) The email service system 50 shown in Fig. 1 is a system for enabling the sending and receiving of messages and data such as documents between a user and other users, loan officers, and property introducers. For example, the email service system 50 sends a message and attached data from a property introducer to the user terminal 20. The user terminal 20 stores the received message and attached data in the storage unit 27 as email data 27c (see Fig. 2).

[0022] (Database 12b configuration) As shown in FIG. 1, database 12b includes a property management database, a loan history database, a user database, a user company financial database, and an introducer database. Although these databases are shown separately for the sake of explanation, they may be integrated into a single database. FIGS. 5 to 16 are diagrams for explaining the configuration of database 12b. The items shown in FIGS. 5 to 16 are examples of some of the data, and information (data) other than the items shown in FIGS. 5 to 16 that is necessary for the loan information management system 100 to function is stored in database 12b and is not shown in the figures. For example, in addition to (or instead of) the "financial institution name," the identification number of the financial institution may be stored in database 12b.

[0023] As shown in FIGS. 5 and 6, the database 12b stores information about real estate properties registered by users of the loan information management system 100. The database 12b stores, in association with one another, the following information: property ID, user name, progress status, sales method, property type, loan progress, purchase price, loan amount, loan procurement rate, borrowing bank, bank collateral valuation, bank risk amount, total fixed asset tax valuation, loan period, loan interest rate, loan fee rate, real estate property information (land area, total building area, fixed asset tax valuation (land), fixed asset tax valuation (building), construction date, age, structure, address, property name), yield, information indicating whether the property is short-term or long-term, user ID, inventory turnover, and whether there have been any previous transactions. For example, a property ID is assigned to each real estate property. Property ID "0001" is a property with a progress status of "Planned Purchase" for the user name "XX Real Estate." The progress status indicates whether the real estate property is planned to be purchased, purchased, sold, or canceled. The loan progress is information that indicates whether or not a loan consultation has been held with a financial institution (whether "before consultation" or "not yet"), whether a response from the financial institution is awaited ("waiting response" or "response received"), or whether the financial institution that will provide the loan has been determined ("financial institution determined"). Note that in order to avoid listing actual names, each name is written using obscured characters such as "○", "×", "△", and "□".

[0024] 5, database 12b stores "compliance information" and "detailed property information" associated with a property ID. The compliance information is information indicating matters that must be addressed to comply with the law when conducting a transaction of a real estate property, such as lack of an "inspection certificate," a "property that is not earthquake-resistant," a "property converted into a garage," an "exceeding floor area ratio," or a "exceeding building coverage ratio." The detailed property information is information indicating the characteristics of a property when conducting a transaction of a real estate property, such as "land with leasehold interest," "leasehold," "land resale," "necessary eviction," "third-party transaction," "necessary renovation costs," "necessary construction costs," and "necessary demolition costs."

[0025] 7, database 12b stores information associated with a property ID, indicating whether or not there are documents required for a real estate transaction and a loan application to a financial institution, and whether or not they have been sent to the financial institution. Examples of "required documents" include a "sales contract," "explanation of important matters," "certified copy," "property tax payment notice," "rent roll," and "property summary."

[0026] As shown in FIG. 8, database 12b stores information (borrowing information) related to the track record of loans made to each user. Database 12b stores, in association with one another, a loan ID for identifying the loan, the name of the financial institution providing the loan, the loan amount, the principal repayment amount (annual), the borrowing date, the repayment date, the loan type, the loan interest rate, the user company name, the name of the property to be financed, the rating, and the financial institution's track record at the time of the loan application (number of loans made, loan balance, etc.). The user company name is the name of the organization to which the user belongs. The "rating" is a rating of the financial indicators of the company to which the user who made the loan belongs.

[0027] As shown in FIG. 9, database 12b stores information about the track record of loans granted to each user (information about loan officers). Database 12b stores, in association with one another, the loan officer ID, which is the ID of the loan officer, the name of the financial institution to which the loan officer belongs, the name of the branch to which the loan officer belongs, the loan officer's job title, the name of the loan officer (name of the loan officer), the loan officer's attitude (way of thinking) toward loans, a telephone number, an email address, the name of a user company that communicates with (does business with) the loan officer, the speed of loan response, and the loan approval rate. The "speed of loan response" refers to the average period from the time a user starts consulting a financial institution about a loan (for example, the date and time when the user sends an email to the loan officer is the trigger) to the time when the user receives a response from the loan officer regarding whether or not the loan will be approved (the time when the user terminal 20 receives the response email from the loan officer). The "loan approval rate" refers to the ratio of the number of loans approved to the total number of loan applications to date by the loan officer. That is, the database 12b stores the loan officer's attitude (thinking) toward loans, the actual value of the period until the loan approval / disapproval response, and the loan approval rate. Although not shown, the loan procurement rate may be stored in the database 12b in association with the officer ID.

[0028] As shown in FIG. 10, database 12b stores information about the track record of loans made to each user (information about the track record of loans made by each branch). As shown in FIG. 10, database 12b stores, in association with one another, the branch ID, which is the branch's ID, the name of the financial institution to which the branch belongs, the branch name, the minimum loan amount, the maximum loan amount, the total loan balance, the available loan amount, the total collateral valuation amount, the total bank risk amount, the number of simultaneous loans available, the number of loan arrangements (long-term), the number of loan arrangements (short-term), the number of available loans, the loan procurement rate, the branch manager's authority amount, the executive authority amount, the minimum interest rate, the minimum commission rate, the longest project period, the loan response speed, the loan approval rate, and the user company name. While FIG. 10 shows an example of information about the track record of loans made by the "XX branch" of "XX Bank" for "XX Real Estate," data for each user company and each financial institution (branch) with which it has a loan track record is stored in database 12b.

[0029] As shown in FIG. 11 , the database 12b stores an email size limit associated with a store ID. When sending an email from the user terminal 20 or the loan information management system 100 to the loan officer terminal 30, the loan information management system 100 refers to the database 12b, divides data containing information about the item to be purchased, and sends the divided emails to the loan officer terminal 30 by email, so that each email is equal to or smaller than the email size limit of the financial institution to which the recipient loan officer belongs. Financial institutions often restrict the use of cloud data transmission services, which enable the sending and receiving of relatively large amounts of data. For this reason, while users send documents to loan officers at financial institutions by email, there is a problem in that they cannot send documents that exceed the email size limit. With the above configuration, even if a financial institution imposes an email size limit, information about the item to be purchased can be sent to the loan officer terminal 30 without exceeding the email size limit. The user obtains information about the email size limit when negotiating or consulting with a loan officer and registers it in the database 12b.

[0030] As shown in FIG. 12, database 12b stores information about each user. As shown in FIG. 12, database 12b stores user names, email addresses, authority, user company names, sales amounts, profit amounts, and sales speeds, each associated with another. "Authority" refers to the operation authority for the loan information management system 100, such as the authority to access information in database 12b. A "client" has the authority to view only the information of the user himself or herself or the user company to which the user belongs. An "administrator" has the authority to view all information in database 12b. "Sales amount" refers to the amount of sales generated as a result of a user selling or leasing a real estate property. "Profit amount" refers to the amount obtained by deducting the purchase costs and loan fees, etc., paid by the user to acquire the real estate property from the sales amount. "Sales speed" refers to the average time it takes for a user to sell a real estate property after purchasing it. Database 12b stores the contact information, affiliation, and performance of each user. Database 12b also stores attribute information for users (companies to which the user belongs). "Attributes" include, for example, "real estate dealers (corporations and individuals)," "asset management companies," "individual investors," and the like.

[0031] As shown in FIG. 13, database 12b stores information on negotiation minutes between each user and a loan officer. As shown in FIG. 13, database 12b stores a meeting ID for identifying the negotiation minutes, the name of the audio data or the video recording data (data name), the user name, the name of the loan officer, the date and time, extracted information, and the like, in association with each other. "Extracted information" is information extracted from the audio data or the video recording data. For example, the "extracted information" includes purchase demand information, the loan officer's attitude toward loans, loan terms, the user company's rating, and an estimate of the response period. Purchase demand information is, for example, information that the loan officer tells the user about what kind of property a company other than the user is looking for (whether there is a purchase demand). "Loan officer's attitude toward loans" is information about whether the loan officer is cautious or proactive about loans, and if the loan officer's attitude toward loans was expressed during negotiations, the information is about the attitude. "Loan terms" is the loan terms expressed by the loan officer during negotiations. "User company rating" is information about the user company's rating expressed by the loan officer during negotiations. The "estimated response period" is the response period indicated by the loan officer during negotiations (the period from loan application to response).

[0032] As shown in FIG. 14, database 12b stores information about property introducers. As shown in FIG. 14, database 12b stores, in association with one another, an email ID, an introducer's name (the name of the email sender), a user name (the name of the email recipient), a reception date and time, whether or not the property is under consideration, extracted content, whether or not a reply has been made, and attached document data. Whether or not the property is under consideration is information indicating whether or not the user has selected "under consideration" (see FIG. 24), and whether or not a reply has been made is information indicating whether or not a reply to the introducer's email has been made by the user or by an automatic reply from the loan information management system 100. The extracted content is information about real estate properties, etc., extracted from the email text (text information). The attached document data is data attached to the email.

[0033] As shown in FIG. 15, database 12b stores property ID, rental status, advertising progress, demolition progress, renovation progress, sales progress, and similar property information in association with each other. "Rental status" is information indicating the extent to which the property is rented. "Advertising progress" is information indicating the progress of advertising implementation. "Demolition progress" is information indicating the progress of building demolition. "Renovation progress" is information indicating the progress of renovation of a real estate property. "Sales progress" is information indicating the sales status of the property. "Similar property information" is information on properties similar to the property that have been researched by the user or introducer and registered in database 12b.

[0034] As shown in FIG. 16, database 12b (user company financial database) stores information on financial indicators and ratings of financial indicators of companies to which users belong. As shown in FIG. 16, database 12b stores the user company name, equity ratio, debt repayment variable, return on total assets, return on sales, gross profit margin, operating profit margin, average interest rate on borrowings, total capital turnover ratio, inventory turnover period, accounts receivable turnover period, accounts payable turnover period, fixed asset turnover period, current ratio, fixed asset ratio, interest-bearing debt monthly sales ratio, and overall, in association with each rating. In other words, the ratings of financial indicators of companies to which users belong are registered in database 12b. Although not shown in FIG. 16, database 12b also stores information that allows for the creation of a balance sheet of cash balance, inventory balance, and borrowings before the purchase of a real estate property to be purchased, and information that allows for the creation of a balance sheet of cash balance, inventory balance, and borrowings after the purchase of a real estate property to be purchased. The rating of an individual (for example, a "real estate investor") is based on "annual income" and "asset background."

[0035] (Control process by loan information management system 100) The control processing by the loan information management system 100 of this embodiment will be described with reference to Figs. 17 to 41. The control processing by the loan information management system 100 is executed by the control unit 11. Figs. 17 to 27 are diagrams showing examples of screens displayed on the display unit 23 of the user terminal 20.

[0036] <Menu screen configuration> 17, the loan information management system 100 displays a menu screen on the display unit 23 of the user terminal 20. The menu screen displays images for selecting "Property Information Management," "Loan Progress Management," "Sales Progress Management," "Cash Flow Management," "Financial Management," "Customer Management," "Email Management," and "Other Management" to access information on the database 12b.

[0037] As shown in FIG. 18, when "Property Information Management" is selected, the loan information management system 100 displays, on the display unit 23 of the user terminal 20, images for transitioning to input screens such as "Property List" (see FIGS. 30 and 31), "Property Basic Information Input" (see FIG. 20A), "Business Income and Expenditure Plan Generation" (see FIG. 28), "Loan Information Input" (see FIG. 21), "Loan Progress Information," "Input Income Information," "Input Expense Information," "Property Document Storage" (see FIG. 20A), "Similar Property Document Storage" (see FIG. 20A), and "Compliance Information and Notes Input," as well as an image for saving data and an image instructing the generation of documents. Furthermore, when "Loan Progress Management" is selected, the loan information management system 100 displays, on the display unit 23 of the user terminal 20, images for transitioning to input screens such as "Property List" (see FIGS. 31 and 26), "Loan Document Output," "Consulting Bank Information Input," "Bank Transaction Information List," "Procurement Conditions List," "Working Capital Input," and "Negotiation Management Input," as well as an image for displaying a list and an image instructing scoring. When "Cash Flow Management" is selected, the loan information management system 100 displays on the display unit 23 of the user terminal 20 an image showing cash flow management screens, including "Daily Cash Flow Management," "Monthly Cash Flow Management" (see FIG. 33), "Fixed Expenditure Management," "Variable Expenditure Management," "Cash Flow Creation List for Each Property," and "Simulation of What Happens if the Property is Sold Quickly or the Price is Lowered" (see FIG. 29). When "Sales Progress Management" is selected, the loan information management system 100 displays on the display unit 23 of the user terminal 20 an image showing screens for "Property List," "Contract Terms Input," "Progress Status Input," "Negotiation Management Input," "Salesperson Sales, Profit, and Sales Period Management," "Bulk Sales Material Creation," "Buying Needs," "Selling Needs Registration," and "Sales Target Approach Management." Users with "Client" authorization can only access information associated with their own "User ID," "User Name," and "User Company Name." In other words, the above table or simulation is generated based on the information of the user or the company to which the user belongs in the database 12b. "Customer Approach Management" displays a screen that displays information about customers, categorized into groups such as "Real Estate Brokers," "Real Estate Salespeople," and "Developers."

[0038] As shown in FIG. 19, when "Financial Management" is selected, the loan information management system 100 causes the display unit 23 of the user terminal 20 to display an image showing screens for "Balance Sheet Creation Before and After Property Purchase," "Pre-Purchase Scoring," "Post-Purchase Scoring," "Financial Statement Analysis," "Trial Balance Analysis," and "Company Presentation Material Creation." When "Business Partner Management" is selected, the loan information management system 100 causes the display unit 23 of the user terminal 20 to display an image showing screens for "Bank Personnel Management" and "Sales Personnel Management." When "Email Management" is selected, the loan information management system 100 causes the display unit 23 of the user terminal 20 to display an image showing screens for "Monthly Transmission List" (see FIG. 23), "Periodic Transmission List," and "Received Property List" (see FIG. 26).

[0039] 20A to 20C show an example of an input screen, which is a "Short-term Property Information Input" screen, displayed on the display unit 23. FIGS. 20D to 20F show an example of a "Long-term Property Information Input" screen, displayed on the display unit 23. FIG. 21 shows an example of a "Loan Information Input Screen" displayed on the display unit 23, which is an input screen. On the input screen, the user registers information about a real estate property they plan to purchase, information about real estate properties they have already purchased (acquired) but not sold, and information about real estate properties they have already purchased and sold in the database 12b. If the user has acquired documents (such as a "sales contract," "important information explanation document," or "property summary"), the user selects "Document Upload" to store the documents in the database 12b. If the user has acquired documents about properties similar to the real estate property being input (documents about similar properties), the user selects "Document Upload for Similar Properties" to store the documents in the database 12b. In this embodiment, the control unit 11 executes a process for acquiring information about real estate properties. The control unit 11 acquires, as property information, information about a real estate property manually input (or data uploaded) by the user on a property information input screen or information extracted from an email from a property introducer (see FIG. 14). The property information input screen displays input fields for each piece of real estate property information (purchase price, land area, etc.) and an image for uploading documents. When "Upload Documents" is selected, the data transmitted from the user terminal 20 is registered in the database 12b in association with the real estate property information. The control unit 11 stores the information input on the property information input screen in the database 12b, with the progress status set as "Planned Purchase" (see FIG. 5). In addition, information identifying whether the amount is "confirmed" or "unconfirmed" is added to the information about each amount. For example, since the "loan amount" is unconfirmed, it is displayed on the screen in a way that makes it recognizable that it is unconfirmed. In addition, each amount is input on the input screen in association with the month (day) on which the amount is generated, and in the database 12b, each amount is stored in association with the month (day) on which the amount is generated. The stored information is used in generating the business income statement and cash flow statement described below.

[0040] Although only some examples of the input screens are described above, the loan information management system 100 is configured so that information to be stored in the database 12b can be entered by manual input or by operating options, etc. The user can also change information regarding each progress by inputting information into the user terminal 20. For example, if a user purchases a real estate property that is "planned to be purchased," the user performs an operation on the user terminal 20 to change the progress status to "purchased." When the control unit 11 receives the user's operation to change the progress status to "purchased," the control unit 11 updates the information in the database 12b (changing "planned to purchase" to "purchased"). When the user sells a real estate property that is "purchased," the control unit 11 performs an operation on the user terminal 20 to change the progress status to "sold." When the control unit 11 receives the user's operation to change the progress status to "sold," the control unit 11 updates the information in the database 12b (changing "purchased" to "sold"). In this way, the database 12b stores information on real estate properties to be purchased, information on real estate properties that have been purchased and sold by the user, and information on real estate properties that have been purchased and not yet sold by the user. The information on other progress can also be changed by operating the user terminal 20.

[0041] As shown in FIG. 22, the control unit 11 displays a property display screen on the display unit 23 of the user terminal 20 when the input of information on the property information input screen is completed or when a property search is performed on the menu screen. The property display screen displays information about the real estate property and a "financial institution proposal" that is displayed when the progress status is "planned purchase." The control unit 11 also references the database 12b (see FIG. 7), and when documents required to apply for a loan from a financial institution are insufficient, a message informing the user of the insufficiency, such as "Property summary is missing," is displayed on the property display screen. The property display screen also displays images for instructing the user to perform "Generate business income and expenditure plan" (see FIG. 28), "Long-term property purchase simulation" (see FIG. 29), and "Generate cash flow statement" (see FIG. 33). The property display screen also displays an image for "Generate similar property comparison table" (see FIG. 27), which generates a comparison table between the displayed real estate property and similar real estate properties, and an image for "Send email." When the "Send Email" image is selected, the information displayed on the property display screen and the generated documents (e.g., a business income and expenditure plan) are sent to a user (e.g., a superior) within the user's company. Based on this, the superior considers whether to purchase the property. If a purchase decision is subsequently made, the user selects a bank from the bank lineup with which they would like to consult. The entire set of documents required by the bank for review (e.g., a property summary, certified copy, documents showing the property tax assessment value, a comparison table of similar properties, a rent roll, a business plan, a list of owned properties, a list of bank transactions, balance sheets before and after the purchase, financial statements, and trial balance sheets) can be simultaneously sent from the loan information management system 100 to the loan officer's terminal 30. The emails are automatically divided into attachment sizes within the maximum email size allowed by each bank (see Figure 11). When the emails are sent, the loan consultation start date is also stored in database 12b.

[0042] When "Negotiation Management Input" is selected on the menu screen of FIG. 18, data (negotiation minutes information) recorded during negotiations between a user and a financial institution is acquired from the user terminal 20 by the loan information management system 100. The control unit 11 extracts information (extracted information) such as purchase demand information, the loan officer's attitude toward loans, loan terms, the user company's rating, and an estimated response period, as well as the content of the conversation (transcription) from the acquired data (negotiation minutes information). The extraction process may involve the control unit 11 extracting predetermined keywords, or may involve instructing an external artificial intelligence system to extract information (sending a prompt) and having the artificial intelligence system extract the information. The control unit 11 stores the extracted information in the database 12b in association with the user name, the name of the loan officer, etc. In addition to the audio or video data, document data (interview sheets) may be uploaded to the loan information management system 100, and the control unit 11 extracts information from the interview sheets and stores the extracted information in the database 12b. The user may also fill out the hearing sheet (minimum amount, upper limit of simultaneous transactions, remaining limit, fees, stance, expected interest rate range, etc.) during negotiations.

[0043] Furthermore, after a loan application is made, if the loan officer terminal 30 sends a message regarding the loan conditions (a response as to whether the loan is approved or not) (see FIG. 40) to the loan information management system 100, or if a response is received by email in a predetermined format, the control unit 11 stores the message regarding the loan conditions (a response as to whether the loan is approved or not) in the database 12b as a loan record. The control unit 11 also automatically measures the length of the period from the loan application (email sending) to the above-mentioned message (response), and stores the length of this period in the database 12b (see FIGS. 9 and 10) in association with the loan officer and the financial institution. If the loan officer verbally communicates the loan conditions, the user inputs it and it is stored in the database 12b as a loan record.

[0044] Furthermore, as shown in FIG. 5, "loan progress" (loan consultation progress status) is registered in the database 12b. By operating the user terminal 20, for example, the "loan progress" stores progress status such as the loan consultation start date, whether x number of days has passed since the consultation, whether a reminder was sent to the loan officer after x number of days, and whether a loan response was received. The control unit 11 automatically sends a reminder (sends a reminder message) to the loan officer terminal 30. For example, when a predetermined number of days have passed since the consultation (or loan application), the control unit 11 automatically sends a reminder (sends a reminder message) to the loan officer terminal 30.

[0045] As shown in FIG. 23, an email screen is displayed on the display unit 23 of the user terminal 20. The email screen displays the body of the email sent from the property introducer terminal 40, an image "Attachments Included" that instructs the display of attached documents, and an image "Display Consideration Selection Screen." The control unit 11 stores each email addressed to the user and information extracted from each email in the database 12b (see FIG. 14). The email body contains information introducing the real estate property. The attached documents contain information about the real estate property being introduced.

[0046] When the user selects "Display under consideration selection screen," the control unit 11 causes the display unit 23 to display the under consideration selection screen, as shown in FIG. 24. The under consideration selection screen displays information extracted from the email (such as the property name and introducer name), the date and time of receipt, whether or not there is a response, an indication to select that the email is under consideration, and an indication to send a mass response. When the user selects the indication "under consideration" to select that the email is under consideration, a message indicating that the introduced real estate property is under consideration is sent to the property introducer terminal 40. When the user selects the "display to send a mass response," a message indicating that the introduced real estate property is under consideration is sent to the property introducer terminal 40 for all selected properties. Furthermore, if the information on the real estate property corresponds to the purchase demand information stored in the database 12b (if purchase demand information has been extracted), the "purchase demand" is displayed as "Yes," and if there is no match, it is displayed as "No."

[0047] Furthermore, if the user is not considering purchasing the property and a predetermined period of time has elapsed since receiving the email, the control unit 11 automatically transmits a reply message to the property introducer terminal 40. The reply message includes a message to the effect that the user is not considering purchasing the introduced real estate property.

[0048] 26, the control unit 11 also displays a progress confirmation screen on the display unit 23 of the user terminal 20. The progress confirmation screen displays the property name, user name, purchase / sale progress, loan consultation progress, loan progress, loan approval / rejection result, rental status, advertising progress, demolition progress, renovation progress, confirmation of missing documents, and a selection image for sending a reminder email. When the selection image for sending a reminder email is selected by the user, the control unit 11 sends an email to the loan officer terminal 30 inquiring about the status of the loan review. The transmission and reception history, along with the transmission and reception time, is stored in the database 12b. When "Check for missing documents" is selected, the control unit 11 refers to the database 12b as shown in FIG. 27, and displays the names of missing documents (for example, a message such as "Important Information Explanation Document is not registered in the database") and whether they have been sent to the financial institution.

[0049] <Processing for generating documents to be submitted to financial institutions> As shown in FIG. 28, the control unit 11 generates a business income and expenditure statement based on the information input on the screens of FIGS. 20A to 20F, and causes the user terminal 20 to display a business income and expenditure plan display screen. That is, the control unit 11 generates a business income and expenditure plan based on the information stored in the database 12b, and causes the generated business income and expenditure plan to be displayed on the display unit 23 of the user terminal 20. The generated business income and expenditure plan is transmitted to the loan officer terminal 30 as an attached document when the user applies for a loan to a financial institution. Furthermore, if the user prints out the business income and expenditure plan displayed on the display unit 23 of the user terminal 20 using a printer (not shown), the user can submit the printed out business income and expenditure plan when applying for a loan in person (hereinafter, the user can similarly print out and submit generated documents).

[0050] <Processing related to generation of purchase simulation> As shown in FIG. 29, the control unit 11 generates a purchase simulation for a real estate property selected by a user ("XX Apartment" in the example of FIG. 29) based on the information stored in the database 12b. For example, in the purchase simulation, if the loan application has not yet been submitted, the control unit 11 sets the loan balance and interest rate based on the information on the minutes of the negotiations or the loan performance. If the loan has been approved (after the financial institution has presented the loan terms), the control unit 11 generates the purchase simulation based on the loan terms. The generated purchase simulation is sent to the loan officer terminal 30 as an attachment when the user applies for a loan from the financial institution. Since few loan applicants are fully prepared before consulting with a bank about a loan, the generated purchase simulation can be used by the loan officer during the loan screening process, which is expected to improve the screening speed and the loan response rate. In addition, the user can print out the materials displayed on the display unit 23 of the user terminal 20 using a printer (not shown) and submit the printed materials to the loan officer when applying for a loan in person.

[0051] <Processing related to generating property list> When "Short-term property list" in "Property information management" is selected on the menu screen, the control unit 11 causes the display unit 23 to display a short-term property list screen based on the information stored in database 12b, as shown in FIG. 30. When "Generate long-term property list" is selected on the menu screen, the control unit 11 causes the display unit 23 to display a long-term property list screen (see FIG. 46) based on the information stored in database 12b. When "Loan list" in "Loan progress management" is selected on the menu screen, the control unit 11 causes the display unit 23 to display a loan list screen based on the information stored in database 12b, as shown in FIG. 31. The generated "Short-term property list," "Long-term property list," and "Loan list" are transmitted from the loan information management system 100 to the loan officer terminal 30 as attached documents when the user applies for a loan to a financial institution.

[0052] <Processing related to the generation of cash flow statements> The control unit 11 generates a cash flow statement showing the cash flow in the case of purchasing the real estate property to be purchased based on the information stored in the database 12b (through input in the "Income Information Entry," "Expense Information Entry," "Fixed Expense Management," and "Variable Expense Management" fields in FIG. 18), and displays the cash flow statement on the display unit 23 of the user terminal 20, as shown in FIG. 32. The cash flow statement includes a column displaying information on long-term purchases (long-term property information) intended to be sold or rented over the long term to generate profits, and a column displaying information on short-term purchases (short-term property information) intended to be sold over the short term to generate profits. When the user selects "Simulation of Quick Sale / Price Reduction" on the property information input screen and issues an instruction (input) to change the sale date or sale price, the control unit 11 generates a revised cash flow statement based on the revised sale date or sale price. If the control unit 11 receives a repayment schedule from the financial institution (loan officer terminal 30) and registers it in the database 12b, the control unit 11 generates the cash flow statement using the repayment schedule information. Furthermore, the control unit 11 may obtain a cash flow statement from an accounting system (not shown).

[0053] <Processing for generating a comparison table of similar properties> For each real estate property the user plans to purchase, the user registers similar property information in database 12b on the screen accessed from "Save Similar Property Information." When the user selects the above-mentioned "Generate Similar Property Comparison Table," the control unit 11 extracts information on real estate properties similar to the real estate property the user plans to purchase from database 12b, as shown in FIG. 33. Here, similar real estate properties are, for example, real estate properties that are similar in property type, sales method, land area, building area, etc., and whose purchase price, etc. is close to that of the real estate property the user plans to purchase, or real estate properties located in the vicinity. The control unit 11 displays the generated similar property comparison table on the display unit 23 of the user terminal 20. The similar property comparison table is transmitted to the loan officer's terminal 30 when applying for a loan.

[0054] <Processing related to the list of properties for sale> When the user selects the above-mentioned "Create sales materials in bulk," the control unit 11 extracts information on real estate properties that the user has purchased (acquired) and not yet sold, registered by the user, from the database 12b, as shown in FIG. 34, and creates a list. The control unit 11 displays the generated list on the display unit 23 of the user terminal 20. The list is sent to the loan officer terminal 30 when applying for a loan. Based on this, the loan officer is more likely to find a buyer for the property for sale on the user's behalf. The list can also be sent simultaneously to the email addresses registered in the "Sales Target Approach Management" in FIG. 18.

[0055] <Processing of company information materials> When the user selects the above-mentioned "Create company information material," the control unit 11 extracts, from the database 12b, information on the user company (representative, company overview, financial indicators, etc.) registered by the user and information on real estate properties that the user has purchased (acquired) but not yet sold, as shown in FIG. 35, and creates the company information material. The control unit 11 displays the generated company information material on the display unit 23 of the user terminal 20. The user can use the company information material when selling real estate properties.

[0056] <Processing related to creating balance sheets before and after purchasing a property> When the user selects the above-mentioned "Create balance sheets before and after purchasing the property," the control unit 11 extracts (references) the financial information of the user company registered by the user from the database 12b, as shown in FIG. 36, and generates a balance sheet (balance sheet) before the purchase of the intended purchase item and a balance sheet after the purchase of the intended purchase item. The control unit 11 then transmits the generated balance sheet before the purchase of the intended purchase item and the balance sheet after the purchase of the intended purchase item to the user terminal 20. The generated balance sheet before the purchase of the intended purchase item and the balance sheet after the purchase of the intended purchase item are also transmitted to the loan officer terminal 30 when applying for a loan.

[0057] <Processing related to "Financial statement analysis" and "Trial balance analysis"> The financial statements and trial balance sheets registered in the "Financial Statement Analysis" and "Trial Balance Analysis" in FIG. 19 are sent from the loan information management system 100 to the loan officer terminal 30 when applying for a loan.

[0058] <Processing of proposals from financial institutions> Fig. 37 is a flow diagram for explaining the processing related to the proposal of a financial institution by the loan information management system 100. Fig. 38 and Figs. 39A to 39E are diagrams showing examples of screens displayed on the display unit 23 of the user terminal 20.

[0059] As shown in Fig. 37, in step S1 "Financial institution proposal", it is determined whether or not "Financial institution proposal" (see Fig. 22) is selected. If "Financial institution proposal" (see Fig. 22) is selected, the process proceeds to step S2.

[0060] In step S2 "Extracting similar properties," all property examples similar to the property to be purchased are extracted based on the "price," "property type," "land area," "total floor area," "age of building," "structure," "short-term or long-term property," "compliance," etc., and the loan history of each property is extracted from database 12b.

[0061] In step S3, "Extract loan histories of companies with the same or lower rating and similar attributes," loan histories of companies with the same or lower rating are further extracted from the loan histories extracted in step S2 based on the user company's rating in database 12b shown in FIG. 16. However, this step may be omitted for user companies that do not provide their own financial data or do not wish to be rated, since ratings are not performed. For companies that do not wish to be rated or do not wish to provide their financial data, the control unit 11 may refer to ratings from external rating data (data from Teikoku Databank and Tokyo Shoko Research). Furthermore, loan histories of users with attributes identical or similar to the user's attributes are further extracted from the extracted loan histories. For example, financial institutions may change their screening criteria depending on the user's attributes. For example, if the user is an "asset management company," loan histories are extracted from the asset management company's successful contracts (loan histories), and if the user is a "real estate investor," loan histories are extracted from the real estate investor's successful contracts (loan histories).

[0062] In step S4, the transaction records stored in the database 12b are referenced, and the extracted loan records are processed so that loan records with similar transaction records are ranked higher.

[0063] In step S5, a priority criteria selection screen is displayed on the display unit 23 of the user terminal 20. As shown in FIG. 38, the priority criteria selection screen displays options such as "loan procurement rate," "interest rate," "loan term," "loan fee," and "speed of loan response." For example, if "loan procurement rate" is selected, the control unit 11 displays a screen shown in FIG. 39A on the display unit 23 of the user terminal 20. As shown in FIG. 39A, the number of loan achievements corresponding to each of the following loan procurement rates "75 to 80% or less," "80 to 85%, "85 to 90%, "90 to 95%, and "95 to 100%" is obtained from the database 12b from the extracted loan achievements in a manner that allows distinction for each financial institution, and the top 10 companies are displayed.

[0064] For example, when "Bank B" with a loan procurement rate of "80-85%" is selected on the screen of FIG. 39A, information (project record screen) of seven loan records (project records) of Bank B with a loan procurement rate of "80-85%" stored in database 12b is displayed on the display unit 23 of the user terminal 20 as shown in FIG. 39B. Furthermore, when "Bank B" with a loan procurement rate of "75-80%" is selected on the screen of FIG. 39A, information (project record screen) of seven loan records (project records) of Bank B with a loan procurement rate of "75-80%" stored in database 12b is displayed on the display unit 23 of the user terminal 20 as shown in FIG. 39C. This allows the user to check (compare) the loan records (project records) and consider which financial institution to apply for a loan from. When "Loan Application" is selected, the control unit 11 transmits materials, etc. to the loan officer terminal 30 as described below.

[0065] When the "Show recommendations from financial institutions" button is selected on the screen of Figure 39A, the top five recommended financial institutions that are determined based on the current transaction status are displayed, as shown in Figure 39D. Furthermore, when the "Estimated loan procurement" button is pressed, the estimated loan procurement amount is displayed, as shown in Figure 39E. The estimated loan procurement amount is, for example, the amount of the loan history that is most similar to the user's attributes, the property to be purchased, the transaction history, etc.

[0066] When "Interest Rate" is selected on the screen of Figure 38, the top 10 financial institutions are displayed, distinguishing the number of loans provided by each financial institution according to the following borrowing interest rates from the extracted loan history: "2.5 to 3.0% or less," "2.0 to 2.5%, "1.5 to 2.0%, "1.0 to 1.5%, "0.5 to 1.0%." Furthermore, by pressing the "Show recommendations from financial institutions," the top five recommended financial institutions are displayed, taking into account the current transaction situation. Although not shown, by pressing the "Estimated Interest Rate" button, the estimated interest rate is displayed. The estimated interest rate is, for example, the interest rate of the loan history that is most similar to the user's attributes, the property to be purchased, the transaction history, etc.

[0067] When "Loan Period" is selected on the screen of Figure 38, the top 10 financial institutions are displayed based on the number of loans for each of the following loan periods (5-10 years, 10-15 years, 15-20 years, 20-25 years, and 25-30 years) from the extracted loan history, allowing for identification by financial institution. Furthermore, by pressing the "Show recommendations from financial institutions," the top five recommended financial institutions are displayed, taking into account the current transaction situation. Although not shown, by pressing the "Estimated Loan Period" button, the estimated loan period is displayed. The estimated loan period is, for example, the loan period of the loan history that is most similar to the user's attributes, the property to be purchased, the transaction history, etc.

[0068] When "Loan Fee" is selected on the screen of Figure 38, the top 10 financial institutions are displayed, each distinguishable by loan fee based on the extracted loan history: "1.5-2%," "1-1.5%," "0.5-1%, "0-0.5%, and 0%." Furthermore, by pressing the "Show recommendations from financial institutions," the top five recommended financial institutions are displayed, taking into account the current transaction situation. Furthermore, by pressing the "Estimated Loan Fee" button, the estimated loan fee is displayed. The estimated loan fee is, for example, the loan fee of the loan history that is most similar to the user's attributes, the property to be purchased, the transaction history, etc.

[0069] If "Speed ​​of loan response" is selected on the screen in Figure 38, the top 10 financial institutions will be displayed based on the number of loans provided by each financial institution according to the speed of loan response, which can be "11-15 business days," "9-11 business days," "7-9 business days," "5-7 business days," or "1-5 business days," from the extracted loan history. Furthermore, if you press the "Show recommendations from financial institutions" button, the top 5 recommended financial institutions will be displayed, taking into account the current transaction situation.

[0070] Furthermore, when the user selects "Loan Application," in step S7, information about the real estate property to be purchased stored in database 12b, along with the generated information such as the "Property Summary," "Certified Copy," "Document Showing Property Tax Assessment Value," "Comparison Table of Similar Properties," "Rent Roll," "Business Plan," "List of Owned Properties," "List of Bank Transactions," "Balance Sheets Before and After Purchase," "Financial Statement," and "Trial Balance Sheet," is sent by email to the loan officer terminal 30 of the selected financial institution. The control unit 11 executes the email sending process by referring to database 12b (FIG. 11) and dividing the email data so that each email is equal to or smaller than the email capacity limit of the financial institution to which the recipient loan officer belongs, and then sending the divided emails to the loan officer terminal 30. Then, the process of scoring the real estate property information and the financial institution's proposal is completed. Furthermore, if the loan officer uses (has an account with) the loan information management system 100, a notification is sent to the loan officer terminal 30.

[0071] 40 to 42 are diagrams showing example screens displayed on the display unit 33 of the loan officer terminal 30. As shown in FIG. 40, the control unit 11 displays a financial institution menu screen on the display unit 33 of the loan officer terminal 30. The financial institution menu screen displays a field for searching for information about the loan for which the loan officer is responsible, stored in the database 12b, an image "Confirm Loan Application" for confirming the loan application, and an image "Enter Purchase Demand Information" for entering purchase demand information. When "Confirm Loan Application" is selected, the control unit 11 displays a loan response input screen, as shown in FIG. 41. The loan response input screen displays input fields for the loan amount, bank collateral valuation amount, interest rate, and fee rate, an image for selecting "Forward to Supervisor," an image for entering comments, and an image for confirming attached documents. When "Confirm Attachments" is selected, the loan officer can confirm the attached business income and expenditure plan, etc. The loan officer enters information in each field, and if he or she has the authority to approve, he or she selects "Send Response to Loan Requester" and notifies the approval or disapproval of the loan. If the loan officer does not have the authority to approve the request (if the request exceeds his / her limit), he / she selects "Transfer to supervisor" and transfers the information to the supervisor. After that, the supervisor decides whether or not to approve the loan, and when "Send response to loan requester" is selected on the supervisor's terminal (loan officer terminal 30), the information entered on the loan response input screen is sent to the user terminal 20.

[0072] When "Enter Purchase Demand Information" is selected on the menu screen on the financial institution side, a purchase demand information entry screen is displayed on the display unit 33 of the loan officer terminal 30, as shown in Fig. 42. For example, as shown in Fig. 42, a loan officer enters information introducing a real estate property that is in demand for purchase, and the information is registered in the database 12b, thereby facilitating the purchase of the real estate property and the execution of the loan.

[0073] As shown in Figure 43, when "Send response to loan requester" is selected, a loan condition response screen is displayed on the display unit 23 of the user terminal 20. The loan condition response screen displays the loan conditions (including the result of whether the loan is approved or not) and comments from the loan officer. As shown in Figure 43, the comments may include purchase demand information. The loan conditions and comments are registered in database 12b as loan history (see Figure 8). If the loan officer does not use this system, the specified documents are distributed to the other party and attached to an email to request a loan response. The loan conditions and comments in that file are registered in database 12b as loan history (see Figure 8). In addition, cash flow statements and the like are updated based on the registered information.

[0074] <Data utilization within the user's organization> As shown in FIG. 12, database 12b stores sales performance information of users in charge of real estate property sales. The sales performance information includes sales amount, profit amount, sales speed, etc. This allows a user who manages users in charge of real estate property sales to manage the sales performance of the users in charge of real estate property sales. In addition, the user can play back the audio data stored in database 12b from the speaker 26 of the user terminal 20. This allows the user to learn, for example, actual examples of negotiations between a senior colleague or superior and a loan officer.

[0075] The control unit 11 detects real estate properties that match the purchase demand information from the real estate properties stored in the database 12b. Then, the control unit 11 notifies the user terminals 20 of users who are planning to purchase or have already purchased but not yet sold the detected real estate properties. This makes it possible to match inventory with purchase demand.

[0076] According to this embodiment, the user benefits from being able to select an appropriate financial institution quickly, which relatively increases the loan procurement rate. This allows the user to contribute to further sales expansion and an increase in the amount of real estate owned. Furthermore, the user will gain greater trust from financial institutions through smooth interactions with them and the provision of comprehensive materials. In doing so, various mutual benefits can be expected, such as business matching (expansion of affiliated loans and increased mutual benefits by having bank customers purchase real estate) that goes beyond the relationship between lender and borrower.

[0077] Furthermore, according to this embodiment, the system allows financial institutions to receive more opportunities than ever before to receive loan consultations that are easy for them to handle or that they are particularly good at. By obtaining documents and information from users via this system that can be used for internal approval applications, unnecessary communication with loan consultants (users) is reduced, allowing for efficient and speedy review. For example, in the past, loan officers at financial institutions often searched for similar properties in the area to confirm whether a loan property could be sold and attached them to approval documents. Furthermore, post-purchase simulations were also created by loan officers, creating a burden for financial institutions, as they could not determine the merits or demerits of a project without actually entering the information into the calculation formula. Because each task requires time, it takes time to prepare meetings with financial institution decision-makers, which delays the start of approval review. Eliminating this burden allows for speedy loan review initiation and progress. As described above, financial institutions can expect to see improved productivity for loan officers and reduced time spent preparing approvals and communicating with clients. In addition, it is likely that financial institutions will receive more loan consultations from loan consultants who have previously been unskilled at loan consultations that financial institutions are good at, which is expected to improve productivity for both financial institutions and users. Furthermore, it will be possible to provide users with relatively speedy progress reports from the time of loan consultation acceptance, which will also improve the relationship between financial institutions and users.

[0078] [Variations] The above-described embodiments are merely examples for implementing the present disclosure. Therefore, the present disclosure is not limited to the above-described embodiments, and can be implemented by appropriately modifying the above-described embodiments within the scope of the present disclosure.

[0079] (1) In the above embodiment, an example was shown in which part of the program that executes the control process of the present disclosure is configured as an application program of a terminal (loan information management system), but the present disclosure is not limited to this. For example, a web browser software may be installed on the terminal, and the user's information terminal may access a server device that executes the program that executes the control process of the present disclosure, thereby causing the information terminal to execute the control process of the present disclosure.

[0080] (2) In the above embodiment, real estate was cited as an example of an item that the user plans to purchase, but the present disclosure is not limited thereto. For example, the item that the user plans to purchase may be a person who needs to purchase materials for a construction company, a used car for a used car dealership, or the like before earning revenue.

[0081] (2) In the above embodiment, an example using an email service system is shown, but the present disclosure is not limited to this. For example, messages and data may be exchanged between a user and other users, loan officers, and property introducers in a chat room (chat providing system).

[0082] (3) In the above embodiment, an example is shown in which financial institutions that provide financing according to the intended purchase are proposed using the flow shown in Fig. 37, but the present disclosure is not limited to this. For example, the similarity of the properties, the similarity of the ratings, and the similarity of the project track record may each be scored, and financial institutions that provide financing according to the intended purchase may be proposed based on the total score.

[0083] (4) In the above embodiment, the control unit executes the database reference and loan history extraction. However, the present disclosure is not limited thereto. For example, as in the loan information management system 200 according to a modified example shown in FIG. 44, the artificial intelligence system 260 may access information in the database 12b, and the processes shown in FIG. 37 (e.g., step S2 "Extraction of Similar Properties," extraction of financial institutions that provide financing for the intended purchase for each priority aspect shown in FIG. 37, etc.) may be performed based on the output from the artificial intelligence system 260. In this case, the control unit 211 executes the program 212a stored in the storage unit 212 to generate a prompt instructing the artificial intelligence system 260 to reference the database 12b and output financial institutions that provide financing for the intended purchase, and inputs the prompt to the artificial intelligence system 260. The artificial intelligence system 260 is, for example, a generative artificial intelligence (AI) system. The artificial intelligence system 260 includes a pre-trained large-scale language model (LLM).

[0084] (5) In the above embodiment, the proposal screens shown in Figures 39A to 39E are shown, but the present disclosure is not limited thereto. For example, as in the proposal screen according to a modified example shown in Figure 45, a top-ranked financial institution extracted from the loan history of financial institutions that have transactions with the user and a top-ranked financial institution extracted from the loan history of financial institutions that do not have transactions with the user may be proposed (displayed) side by side.

[0085] (6) Although not described in the above embodiment, the loan information management system may be configured to generate, based on information stored in the database, a balance sheet of cash balance, inventory balance, and borrowings before purchasing the real estate property to be purchased, and a balance sheet of cash balance, inventory balance, and borrowings after purchasing the real estate property to be purchased.

[0086] The above-described configuration can be explained as follows.

[0087] A program according to a first configuration causes a processor of a loan information management system capable of communicating with a user terminal used by a user who wishes to obtain a loan from a financial institution to execute the following processes: acquire information on an item the user plans to purchase; refer to a loan history database, in which loan targets and loan histories are stored in association with financial institutions, based on the information on the item to be purchased, extract financial institutions that will provide loans for the item to be purchased; and transmit information on financial institutions that will provide loans for the item to be purchased to the user terminal (first configuration).

[0088] According to the first configuration, a financial institution that will provide financing for the intended purchase is extracted based on information about the intended purchase by referencing a financing history database in which the loan target item and the loan history are stored in association with financial institutions. This allows financial institutions to be extracted that take into account not only the user's financial statement information but also the information about the intended purchase. As a result, financial institutions that will provide financing for the intended purchase can be more accurately proposed than when only the user's financial statement information is taken into account.

[0089] In the first configuration, the intended purchase items may include items that the user plans to sell or lend to another person after purchasing them. The program may further cause the processor to execute the following processes: generating a cash flow statement showing a cash flow in the case where the intended purchase items are purchased, based on information about the intended purchase items; and transmitting the cash flow statement to the user terminal (second configuration).

[0090] According to the second configuration, the user does not need to create a cash flow statement by himself.

[0091] In the second configuration, the information on the items to be purchased may include information on items to be purchased long-term that are intended to be sold or rented over the long term to generate profits, and information on items to be purchased short-term that are intended to be sold over the short term to generate profits. The process of generating a cash flow statement may include a process of generating a cash flow statement that includes a column based on the information on the items to be purchased long-term and a column based on the information on the items to be purchased short-term (third configuration).

[0092] According to the third configuration, the user can distinguish between information on long-term planned purchases and information on short-term planned purchases on the cash flow statement.

[0093] In the second or third configuration, the program may be configured to cause the processor to further execute the following processes after sending the cash flow statement to the user terminal: obtaining an instruction to change the sale date or sale price from the user terminal; modifying the cash flow statement based on the instruction to change the sale date or sale price; and sending the modified cash flow statement to the user terminal (fourth configuration).

[0094] According to the fourth configuration, even when the sale time or sale price is changed, the cash flow statement can be easily revised.

[0095] In any one of the first to fourth configurations, the program may be configured to cause the processor to further execute the following processes: referencing a user company financial database in which the user's financial information is stored, and generating a balance sheet before the purchase of the intended item and a balance sheet after the purchase of the intended item; and transmitting the balance sheet before the purchase of the intended item and the balance sheet after the purchase of the intended item to the user terminal (fifth configuration).

[0096] According to the fifth configuration, it is possible to create a balance sheet before purchasing the intended item and a balance sheet after purchasing the intended item. Therefore, if the user submits the balance sheet before purchasing the intended item and the balance sheet after purchasing the intended item to the loan officer, the loan officer can easily understand the user's financial situation before and after the purchase, making it easier for him or her to decide whether or not to grant the loan.

[0097] In any one of the first to fifth configurations, the loan history database may store loan histories associated with financial indicator ratings of users who have received loans. The program may further cause the processor to execute a process of referencing a user company financial database that stores financial information on companies to which the users belong, and estimating a financial indicator rating of the company to which the users belong. The process of extracting financial institutions that will provide a loan for the item to be purchased may include a process of extracting financial institutions that will provide a loan for the item to be purchased by referencing loan histories stored in the loan history database that are equal to or lower than the estimated financial indicator rating of the company to which the user belongs (sixth configuration).

[0098] Among the multiple financial institutions, there are some that will not provide loans to companies whose financial indicator ratings are below a certain level. Therefore, a user's company whose rating is below a certain level cannot obtain a loan from the financial institution, regardless of the content of the item they plan to purchase. Therefore, according to the sixth configuration, financial institutions are extracted and proposed based on the loan history corresponding to the financial indicator ratings of the company to which the user belongs, so it is possible to prevent the proposal of financial institutions from which the user cannot actually obtain a loan. In other words, it is possible to propose financial institutions that are suitable for the company to which the user belongs.

[0099] In any one of the first to sixth configurations, the program may further cause the processor to execute a process of registering information about the item to be purchased, information about items that have been purchased and sold by the user, and information about items that have been purchased and not yet sold by the user in a property management database (seventh configuration).

[0100] According to the seventh configuration, information can be managed according to each status of the item (unpurchased, purchased, unsold, sold).

[0101] In the seventh configuration, the program may be configured to cause the processor to further execute the following processes (eighth configuration): obtaining the loan approval / rejection result from the financial institution from the user terminal; associating the loan approval / rejection result from the financial institution with information about the item to be purchased and registering it in the property management database; and associating the loan approval / rejection result from the financial institution with the period from the loan application to the time the loan approval / rejection result from the financial institution is obtained and registering it in the loan history database.

[0102] According to the eighth configuration, the property management database can manage the loan approval result in association with the intended purchase item, and the data on the period until the loan approval result is obtained can be registered in the loan history database. As a result, by referring to the loan history database, it becomes possible to extract financial institutions that will provide loans according to the user's needs for the period until the loan approval result is obtained (for example, when the user wants to obtain the loan approval result in a short period of time) and according to the intended purchase item.

[0103] In the eighth configuration, the process of obtaining the loan approval result from the financial institution may include a process of obtaining information about the loan officer. The process of registering in the loan history database may include a process of correlating the information about the loan officer with the period and registering the information in the loan history database (ninth configuration).

[0104] Here, the length of the period until a loan approval decision is made may vary depending on the loan officer. According to the ninth configuration, the information of the loan officer is associated with the period and registered in the loan record database. By taking the loan officer into consideration, it becomes possible to more accurately extract a financial institution that will provide a loan that is suitable for the intended purchase and that meets the user's needs regarding the period until a loan approval decision is made (for example, when the user wants to receive a loan approval decision in a short period of time).

[0105] In any one of the seventh to ninth configurations, the process of registering in the property management database may include a process of registering in the property management database information about the item to be purchased, information about items that have already been purchased and sold by the user in charge of sales of the item to be purchased, information about items that have already been purchased and not yet sold by the user in charge of sales of the item to be purchased, and sales performance information of the user in charge of sales of the item to be purchased (tenth configuration).

[0106] According to the tenth configuration, the sales performance information of the user can be managed.

[0107] In any one of the seventh to tenth configurations, the program may be configured to cause the processor to execute the following processes: acquiring purchase demand information from the user terminal; and extracting items that are in demand for purchase by referring to the property management database based on the purchase demand information (eleventh configuration).

[0108] According to the eleventh configuration, it is possible to extract items that are in demand for purchase, and therefore items that are easy to sell or that are likely to be sold at a high price can be set as items to be purchased.

[0109] In any one of the seventh to eleventh configurations, the program may be configured to cause the processor to further execute a process of generating a list of properties for sale based on information registered in the property management database (twelfth configuration).

[0110] According to the twelfth configuration, the generated property for sale list can be utilized when the user sells the property to another person.

[0111] In any one of the first to twelfth configurations, the program may be configured to include a process of acquiring negotiation minutes information from the user terminal in negotiations between the user and a financial institution, a process of extracting loan terms from the negotiation minutes information, and a process of registering the loan terms in the loan history database in association with the financial institution that negotiated with the user (a thirteenth configuration).

[0112] According to the thirteenth aspect, since the negotiation minutes information of the negotiation between the user and the financial institution is registered in the loan history database, the content of the negotiation can be reflected in the extraction of the financial institution that will provide the loan for the intended purchase. As a result, it is possible to extract the financial institution according to the loan history with higher accuracy.

[0113] In any one of the first to thirteenth configurations, the program may be configured to cause the processor to further execute the following processes: acquiring information on similar properties from the user terminal; and generating a comparison table between the similar properties and the item to be purchased based on the information on the similar properties and the information on the item to be purchased (fourteenth configuration).

[0114] According to the fourteenth configuration, if the user submits a comparison table between similar properties and the item to be purchased to the loan officer when applying for a loan, the loan officer can more easily determine whether or not to grant the loan.

[0115] In any one of the first to fourteenth configurations, the loan history may include the history of the loan procurement rate, interest rate, loan period, loan fee, and loan response speed. The program may further cause the processor to execute a process of receiving, from the user terminal, an instruction as to which of the loan procurement rate, interest rate, loan period, loan fee, and loan response speed should be prioritized. The process of extracting financial institutions that will provide a loan for the intended purchase may include a process of extracting financial institutions that will provide a loan for the intended purchase based on the instruction as to which of the factors should be prioritized, information about the intended purchase, and the loan history (fifteenth configuration).

[0116] According to the above-mentioned 15th configuration, financial institutions are extracted (according to the user's wishes) according to which of the following factors the user selects as being more important: "loan procurement rate," "interest rate," "loan period," "loan fee," and "speed of loan response."

[0117] In any one of the first to fifteenth configurations, the loan history may include the transaction history of the financial institution at the time of the loan response from the financial institution. The information on the financial institution that will provide the loan for the intended purchase may include the transaction history of the financial institution that will provide the loan for the intended purchase (sixteenth configuration).

[0118] According to the sixteenth configuration, the user can decide which financial institution to apply for a loan from by referring to the track record of the extracted financial institutions at the time of the loan response from the financial institutions.

[0119] In any one of the first to sixteenth configurations, the intended purchase may include a real estate property. The program may be configured to cause the processor to execute the following processes: acquiring, from the user terminal, an introduction message introducing the purchase of a real estate property, which is sent from an introducer terminal used by an introducer who introduces the purchase of a real estate property to the user; and registering the introduction message in an introducer database in association with the introducer (seventeenth configuration).

[0120] Here, if the user is a real estate agent, introduction messages introducing the purchase of a large number of real estate properties from a large number of introducers are sent to the user terminal. According to the seventeenth configuration, the introduction messages are associated with the introducers and registered in the introducer database, so that even when introduction messages introducing the purchase of a large number of real estate properties from a large number of introducers are sent to the user terminal, the introduction messages can be easily managed.

[0121] In the 17th configuration, the program may be configured to cause the processor to execute the following processes: obtaining information from the user terminal as to whether the introduction message is being considered by the user; and, if the introduction message is not being considered by the user and after a predetermined period of time has elapsed since the introduction message was obtained, sending a reply message to the introducer terminal (18th configuration).

[0122] According to the eighteenth configuration, if the user is not considering the offer, a reply message is automatically sent to the introducer after a predetermined period of time has passed, thereby reducing the user's effort in creating a reply message.

[0123] In any one of the first to eighteenth configurations, the program may be configured to cause the processor to further execute a process of emailing information about the intended purchase to a loan officer terminal used by a loan officer at a financial institution. The email sending process may include a process of referencing an email size upper limit database that stores email size upper limits for each financial institution, dividing the information about the intended purchase so that each email is equal to or smaller than the email size upper limit of the financial institution to which the loan officer belongs, and a process of emailing the divided emails to the loan officer terminal (a nineteenth configuration).

[0124] In this regard, financial institutions often restrict the use of cloud data transmission services, which are services that enable the transmission and reception of relatively large amounts of data. As a result, although users have to send documents to loan officers at financial institutions by email, there is a problem in that they cannot send documents that exceed the email size limit. According to the 19th configuration, even if the financial institution has set an email size limit, it is possible to send information about the items to be purchased to the loan officer's terminal so that the email size limit is not exceeded.

[0125] The loan information management system according to the 20th configuration is a loan information management system capable of communicating with a user terminal used by a user who wishes to obtain a loan from a financial institution. The loan information management system includes an information acquisition unit that acquires information on an item that the user plans to purchase, an extraction unit that references a loan history database in which loan targets and loan history are stored in association with financial institutions based on the information on the item to be purchased and extracts financial institutions that will provide a loan for the item to be purchased, and a transmission control unit that transmits information on financial institutions that will provide a loan for the item to be purchased to the user terminal (20th configuration).

[0126] According to the twentieth configuration, it is possible to provide a loan information management system that can prevent the loss of loan opportunities. [Explanation of symbols]

[0127] 10: Server device, 11: Control unit, 12: Memory unit, 12a: Program, 12b: Database, 13: Communication unit, 20: User terminal, 21: Control unit, 22: Operation unit, 23: Display unit, 24: Communication unit, 25: Microphone, 26: Speaker, 27: Memory unit, 27a: Program, 27b: Proceedings audio data, 27c: Email data, 30: Loan officer terminal, 31: Control unit, 32: Operation unit, 33: Display unit, 34: Communication unit, 35: Microphone, 36: speaker, 37: memory unit, 37a: program, 40: property introducer terminal, 41: control unit, 42: operation unit, 43: display unit, 44: communication unit, 45: microphone, 46: speaker, 47: memory unit, 47a: program, 50: email service system, 100: loan information management system, 200: loan information management system, 211: control unit, 212: memory unit, 212a: program, 260: artificial intelligence system

Claims

1. A program that causes a processor of a loan information management system that can communicate with a user terminal used by a user who wishes to receive a loan from a financial institution to execute processing, A process of acquiring information on items that the user plans to purchase; A process of referencing a loan history database in which loan objects and loan history records are stored in association with financial institutions based on the information on the intended purchase, and extracting financial institutions that will provide loans according to the intended purchase; transmitting to the user terminal information on financial institutions that will provide financing for the item to be purchased; The loan history database stores at least one of the purchase price, property type, area, age, structure, legal compliance, and yield of the loan object, The process of extracting financial institutions includes: A process of extracting loan objects that are similar to the intended purchase object in at least one of the purchase price, property type, area, age, structure, legal compliance, and yield from the loan objects stored in the loan history database; and extracting information on financial institutions associated with the extracted similar loan objects from the loan performance database, A program in which the process of sending information about the financial institution to the user terminal includes a process of sending information about the financial institution associated with the extracted similar loan object to the user terminal as information about the financial institution that will provide a loan corresponding to the item to be purchased.

2. The intended purchase includes an item that is intended to be sold or loaned by the user to another person after the user purchases it, The information on the planned purchase includes information on the income amount and expenditure amount of the planned purchase associated with the planned cost occurrence month, The program A process of generating a cash flow statement showing the results of tallying up the income amounts and expenditure amounts for the planned purchases for each month when the planned purchases are purchased; The program according to claim 1 , further causing the processor to execute a process of transmitting the cash flow statement to the user terminal.

3. The information about the planned purchase includes a purchase price and a planned borrowing amount, The program A process of acquiring, from a user company financial database storing financial information of the user, including information on current assets, fixed assets, borrowings, and net assets, the current assets, fixed assets, borrowings, and net assets as a balance sheet before purchasing the item to be purchased; a process of generating a balance sheet after the planned purchase of the item, in which the amount obtained by adding the purchase price to the current assets is set as the current assets after the purchase, and the amount obtained by adding the planned borrowing amount to the borrowing amount is set as the borrowing amount after the purchase; 2. The program according to claim 1, further causing the processor to execute a process of transmitting to the user terminal a balance sheet before the purchase of the intended purchase item and a balance sheet after the purchase of the intended purchase item.

4. A program for causing a processor of a loan information management system capable of communicating with a user terminal used by a user who wishes to receive a loan from a financial institution to execute processing, A process of acquiring information on items that the user plans to purchase; A process of referencing a loan history database in which loan objects and loan history records are stored in association with financial institutions based on the information on the intended purchase, and extracting financial institutions that will provide loans according to the intended purchase; transmitting to the user terminal information on financial institutions that will provide financing for the item to be purchased; The loan history database stores loan history data and financial indicator ratings of users who have received loans in association with each other, The program further causes the processor to execute a process of referencing a user company financial database in which ratings of financial indicators of companies to which the user belongs are stored, and acquiring a rating of the financial indicators of the companies to which the user belongs; The process of extracting financial institutions includes: A process of extracting loan records that are equal to or lower than the rating of the financial indicators of the company to which the user belongs from the loan records stored in the loan record database; extracting information on financial institutions associated with the extracted loan history from the loan history database; A program, wherein the process of transmitting information about the financial institution to the user terminal includes a process of transmitting information about the financial institution extracted by the process of extracting from the loan history database to the user terminal.

5. The program of claim 1, further causing the processor to execute a process of registering information about the item to be purchased, information about items that have been purchased and sold by the user, and information about items that have been purchased and not yet sold by the user in a property management database.

6. The program A process of obtaining a result of whether or not a loan is approved from a financial institution from the user terminal; a process of registering information about the item to be purchased in the property management database in association with the result of whether the financial institution has granted financing; The program according to claim 5, further causing the processor to execute a process of associating the result of loan approval or disapproval from the financial institution with the period from the application for the loan to the time the result of loan approval or disapproval from the financial institution is obtained, and registering this in the loan history database.

7. The process of obtaining the loan approval result from the financial institution includes a process of obtaining information on the loan officer; 7. The program according to claim 6, wherein the process of registering in the loan history database includes a process of registering information about the loan officer in association with the period in the loan history database.

8. The program of claim 5, wherein the process of registering in the property management database includes a process of registering in the property management database information on the item to be purchased, information on items that have already been purchased and sold by the user in charge of sales of the item to be purchased, information on items that have already been purchased and not sold by the user in charge of sales of the item to be purchased, and sales performance information of the user in charge of sales of the item to be purchased.

9. The information on the intended purchase includes information on the intended purchase associated with purchase demand information, which is information indicating that a company other than the user needs to purchase, and information on the intended purchase not associated with the purchase demand information, The program described in claim 5, further causing the processor to execute a process of displaying information on the display unit of the user terminal so that information on the intended purchase items associated with the purchase demand information and information on the intended purchase items not associated with the purchase demand information can be distinguished.

10. The program A process of acquiring, from the user terminal, negotiation minutes information of a negotiation between a user and a financial institution; extracting keywords corresponding to predetermined loan conditions from the negotiation minutes information; 2. The program according to claim 1, further comprising a process of registering the keyword in the loan record database in association with a financial institution that has negotiated with the user.

11. The loan performance includes the performance of the loan procurement rate, interest rate, loan period, loan fee, and loan response speed; The program further causes the processor to execute a process of obtaining, from the user terminal, an instruction as to which of a loan procurement rate, an interest rate, a loan term, a loan fee, and a speed of a loan response is to be prioritized; The process of extracting the financial institutions includes a process of extracting from the loan history database the track record of the loan procurement rate, interest rate, loan period, loan fee, and loan response speed associated with the extracted similar loan object; The program of claim 1, further causing the processor to execute a process of displaying on the display unit of the user terminal one of the loan procurement rate, interest rate, loan period, loan fee, and loan response speed corresponding to the instruction as to which of the following to prioritize, in a manner that can be distinguished for each financial institution.

12. The object to be purchased includes a real estate property, The program A process of acquiring, from the user terminal, an introduction message introducing the purchase of a real estate property, which is sent from an introducer terminal used by an introducer who introduces the purchase of a real estate property to the user; and registering the introduction message in an introducer database in association with the introducer.

13. The program A process of obtaining information from the user terminal as to whether the introduction message is being considered by the user; The program of claim 12, which causes the processor to execute the following process: sending a reply message to the introducer terminal when the introduction message is not being considered by the user and after a predetermined period of time has elapsed since the introduction message was received.

14. The program The processor further executes a process of sending information about the intended purchase to a loan officer terminal used by a loan officer of a financial institution by email; The process of sending an email includes: a process of dividing the information on the intended purchase item so that each email is equal to or less than the email capacity limit of the financial institution to which the loan officer belongs, by referring to an email capacity limit database in which the email capacity limit for each financial institution is stored; 2. The program according to claim 1, further comprising a process of sending the divided emails to the loan officer terminal.

15. A loan information management system capable of communicating with a user terminal used by a user who wishes to receive a loan from a financial institution, an information acquisition unit that acquires information on items that a user plans to purchase; an extraction unit that refers to a loan history database in which loan objects and loan history records are stored in association with financial institutions based on information about the intended purchase, and extracts financial institutions that will provide loans according to the intended purchase; a transmission control unit that transmits information about financial institutions that will provide financing for the item to be purchased to the user terminal; The loan history database stores at least one of the purchase price, property type, area, age, structure, legal compliance, and yield of the loan object, The extraction unit extracting loan objects that are similar to the intended purchase object in at least one of the purchase price, property type, area, age, structure, legal compliance, and yield from the loan objects stored in the loan history database; extracting information on financial institutions associated with the extracted similar loan objects from the loan history database; The transmission control unit transmits information about financial institutions associated with the extracted similar loan objects to the user terminal as information about financial institutions that provide loans in accordance with the items to be purchased.

16. A loan information management system capable of communicating with a user terminal used by a user who wishes to receive a loan from a financial institution, comprising: an information acquisition unit that acquires information on items that a user plans to purchase; an extraction unit that refers to a loan history database in which loan objects and loan history records are stored in association with financial institutions based on information about the intended purchase, and extracts financial institutions that will provide loans according to the intended purchase; a transmission control unit that transmits information about financial institutions that will provide financing for the item to be purchased to the user terminal; The loan history database stores loan history data and financial indicator ratings of users who have received loans in association with each other, The loan information management system further includes a rating acquisition unit that refers to a user company financial database in which ratings of financial indicators of companies to which the user belongs are stored, and acquires ratings of financial indicators of the companies to which the user belongs, The extraction unit extracting loan records that are equal to or lower than the rating of the financial indicators of the company to which the user belongs from the loan records stored in the loan record database; extracting information on financial institutions associated with the extracted loan history from the loan history database; The transmission control unit transmits the information on the financial institution extracted from the loan record database by the extraction process to the user terminal.

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