JP2789562B2 - Logic for calculating loan collection interest - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION [Industrial Application Field] The present invention is suitable for a financial business such as a bank, and other business such as lending, and a loan recovery interest under any conditions is provided by one logical module. The present invention relates to a method of calculating a loan collection interest that can be calculated.

[Conventional technology]

Financial institutions such as city banks and ordinary banks, government agencies, and other companies provide loans under various names, and many companies and many individuals accept these loans.

The conditions for financing for this purpose and the status of repayment or collection of financing are various.

Traditionally, the calculation and management of interest collected on loan collection has been done by computer and
It is common to use a system.

However, in the computer management system that has been conventionally performed, the calculation of the collected interest and the management thereof are individually performed for each of the loan type, the collection type, and the individual loan collection state. For example, in the case of loan collection at Bank A, a program for calculating interest is created individually by combining an appropriate calculation formula only for the loan state, and the program is managed by executing the program on a computer system. Therefore, it is not possible to calculate and manage interest covering a wide variety of individual collection states uniformly, and in particular, the more complicated the collection state, the rarer the case, and the computer system responds. The return on investment in the system will be reduced, and the system will not be eligible for recovery.

In the end, the conventional computerized loan collection interest management system has not yet been able to say that loan collection interest calculation, which is a basic function of the loan system, is complete and easy to use. Furthermore, for those collections that are excluded from the collection calculation by the computer system, it is necessary for a person who is familiar with the loan collection calculation method to perform manual calculation and input the calculation result as data to the computer system.

In such a case, securing people who can calculate loan collection,
Verification of the accuracy of the calculation result, as well as its time loss, can no longer be ignored.

[Problems to be solved by the invention]

As described above, in the conventional method, the collection status (event) of a wide variety of individual loans is analyzed, classified into each event,
Loan collections are calculated in the order of events that seem to be the most empirical. As a result, the more the scope of the target is expanded, the more complicated the calculation and management of collected interest such as financing business becomes, which requires expensive programs and human resources,
It is not possible to cope with all events by the coping method for each event.

Finally, there is a need for a method of inputting the calculation results to a computer by a human, and there is a limit in the method of calculating and managing the collected interest in a loan business or the like.

An object of the present invention is to solve such a conventional problem, and all of various collection states created by collection of a loan can be set as a target of calculation of interest to be collected by one logical formula. It is an object of the present invention to provide a method of calculating a loan collection interest which can quickly and accurately calculate a collection interest.

[Means for solving the problem]

In order to achieve the above object, a method for calculating the logic of a loan collection interest according to the present invention includes: (a) a loan processing collection management system including a central processing unit, a storage device connected to the central processing unit, an input device, and an output device. The loan account number specified from the input device or the storage device, which specifies the loan collection information stored in the storage device, the repayment method indicating the repayment content, the repayment amount and the interest calculation request date, specified by the input device The basic steps are the current balance indicating the collection status of the loan collection information read out with the read number, the date of settlement of interest, the date of payment of the next principal contract, and the date of calculation processing. A first logical procedure for calculating the principal repayment amount, the total of the delinquent interest for the contract repayment amount and a new current balance as a logical procedure not including the contracted interest calculation; And a second logical procedure for calculating the new current balance, and a logical procedure including the calculation of the contracted interest, and a third logic for calculating the total of only the contracted interest. A fourth logical procedure for calculating the sum of the contracted interest, the principal repayment amount, the interest in arrears for the contracted repayment amount and the new current balance; and the contracted interest, the principal repayment amount,
Divided into the fifth logical procedure of calculating the total of the interest repaid on the contracted repayment amount and the new current balance, covering all the states composed of the above basic elements, the principal repayment amount, the contracted interest, and the contracted amount It is characterized by calculating interest late on repayment, interest repaid on promised repayment, new current balance, next principal commitment payment date, and new interest settlement date.

Further, (b) the above logical procedure is based on the collection information on the loan input from the input device and the storage device,
In the loan repayment form in which the principal repayment amount or the contracted interest is repaid multiple times, the delinquent interest or the repayment interest for the contracted repayment is calculated separately for each contracted repayment amount (horizontal calculation type). For the method (vertical calculation type) calculated separately for each contract payment date and the contracted interest preemption method, it is also possible to arbitrarily select the method calculated in one logical procedure and calculate each interest Features.

Further, (c) the above logical procedure is a system composed of a center device and a terminal device connected to the center device via a communication system, and may be built in the center device or in the terminal device. In addition, if the data processing device or center operates independently for personal use and is built into a data processing device with terminal functions, or if it is built into a data processing device that is assumed to be portable In each case, it is characterized by calculating the interest collected on the loan business.

[Action]

In the present invention, the collection interest can be calculated by adapting all collection states to one logical procedure.

In other words, the present invention focuses on the time axis (daily unit) to be logically considered, and pays the next principal contract payment date, interest settlement date, interest calculation request date,
And the four elements of the calculation processing date (payment date), and the number of meaningful states in the states (events) represented by the four elements is all 16 types, and 16 types There are five types of logic for calculating interest recovery in a state (event), and the five types of interest recovery calculation procedures are as follows.
It has been reached that it consists of one logical procedure.

In other words, the basic elements that indicate the collection status of the loan business and the like are: (i) Current balance... Symbol M (ii) Interest settlement date ... symbol Tr (iii) Next principal contract There are three payment dates: symbol Tg. Here, the current balance refers to a balance obtained by subtracting a portion of the principal repayment amount of the debt generated by the loan from the repayment amount (excluding the contracted interest).

The interest settlement date indicates the date by which the interest has been paid, and is not limited to the contract payment date. Also,
The next principal contract payment date is a date obtained by adding the principal repayment interval to a date indicating how many times the principal has been paid (principal contract payment date).

The principal repayment interval refers to an institution from an arbitrary successive principal contract payment date to the next next principal contract payment date. Therefore, the next principal payment date is limited to the principal payment date, and if the debtor's repayment principal is less than one repayment amount, that is, the principal repayment amount was included. In this case, the payment date of the principal payment following the inward payment, and if no repayment has been made, the payment date of the first principal payment is the corresponding date.

In the calculation of the interest recovery, the factor that generates the delinquent interest or the interest repaid on the contracted repayment amount is a date that fluctuates with time, that is, the following factor.

Calculation processing date (payment date)… symbol Ts The elements for which interest recovery is calculated are: interest calculation request date (designation date)… symbol Ti repayment amount (designation amount)… ... Either of the two items of symbol H, the interest calculation request date is an arbitrary date specified when the debtor wants to calculate the repayment amount of interest, principal, etc. is there. Therefore, it is not limited to the contract payment date. The repayment amount is an arbitrary amount specified when the debtor wants to repay some yen.

The collection state resulting from the various collections is (i)
When you consider in due date specified method in the up after the principal evenly interest in Zansai method, date of permutations of interest fixed date (Tr) and the next principal contract payment date (Tg) _{of, Tr <Tg Tg <Tr 2} P 2 = 2 !, that is, two ways. Considering the time-varying viewpoint of today, that is, the element of the calculation date (Ts), Ts <Tr <Tg (the calculation date is before the interest settlement date) Tr <Ts <Tg (the calculation date is Tr <Tg <Ts (The calculation date is after the interest payment date, the next principal payment date) Ta <Tg <Tr (Calculation date) Tg <Ts, Tr (the calculation date is between the principal payment date and the interest settlement date) Tg <Tr <Ts (the calculation date is after the interest settlement date) This combination is ₃ P ₃ = 3 !, that is, a total of 6 combinations. Furthermore, in the permutation adding the date element of the interest request date (Ti), which is the number of days until the repayment amount is sought, ₄ P ₃ = 4
× 3 × 2 × = 24 patterns can be considered. Here, the interest calculation request date (Ti) cannot be earlier than both the interest settlement date (Tr) and the next principal contract payment date (Tg) (it has already been collected). Except for 8 cases where
16 ways have logical meaning. In other words, all the recovering states of the interest-bearing method based on the remaining bond method can be expressed by 16 types of events.

In addition, (ii) In the principal equal repayment bond method, the total amount of the principal repayment portion and the contracted interest portion is calculated so that it is the same each time, so the interest settlement date (Tr) is the next principal contracted date. There is a restriction that the payment date (Tg) will not be exceeded. In other words, the condition of Tr <Tg is added.
It can be expressed in eight ways, which is half of the equivalent principal repayment debt system.

Other repayment methods, such as (iii) lump sum repayment of principal and interest, (iv) lump sum repayment of interest, and (V) uneven repayment of principal, etc. Since the same condition holds, it is possible to express in 16 types of events.

All of the 16 events are covered, and are composed of a combination of five interest calculation logic procedures. By the logic procedure in which the entirety is combined into one, it is possible to calculate the collection interest for all the collection states.

The condition to be divided into each logical procedure does not include the calculation of the contracted interest if the interest settlement date (Tr) is the same or larger than the next principal contract payment date (Tg) among the basic elements indicating the loan collection status If the interest settlement date (Tr) is smaller than the next principal contract payment date (Tg) in the logical procedure, the process is divided into a logical procedure including the contracted interest calculation.

For logical procedures that do not include contracted interest calculations,
Furthermore, assuming that each principal contract payment date in the next period is the new principal repayment date, if the new principal repayment date is the same as or smaller than the calculation processing date (Ts) and the same as the interest settlement date, The first logical procedure for calculating the total of the principal repayment amount, the new current balance, and the delinquent interest with respect to the contract repayment amount, and the new principal repayment date is greater than the calculation processing date (Ts) and the calculation processing date (Ts ) Is equal to or smaller than the interest settlement date (Tr), the process is divided into a second logical procedure for calculating the sum of the principal repayment amount, the new current balance, and the interest repaid on the contract repayment amount.

On the other hand, for the logical procedure including the contracted interest, the interest contract payment date in the immediate future of the interest settlement date (Tr) is set as the initial date,
Assuming that each interest payment date in the collection period calculated by adding the interest repayment interval to the current date is the new interest repayment date, the new interest repayment date is the same as or smaller than the calculation processing date (Ts), and If the next principal contract payment date (Tg) is smaller, the third logical means to calculate only the contracted interest, and the new interest repayment date is the same or smaller than the calculation processing date (Ts), and the next principal contract If the payment date (Tg) is equal to or greater than the payment date (Tg), the fourth logical step of calculating the sum of the contracted interest, the principal repayment amount, the new current balance, and the delinquent interest for the contracted repayment amount,
If the new interest repayment date is greater than the calculation processing date (Ts), the process is divided into a fifth logical procedure for calculating the total of the contracted interest, the principal repayment amount, the new current balance, and the interest repaid on the contracted repayment amount.

Since the maximum collection status of the loan business is 16 in the principal equal repayment method, 16 collection status files are created. Eight principal and interest repayment balance methods are used. Create a collection status file for each event count and execute the normal collection method (contract redemption, internal redemption, advanced redemption, repayment, exceptional redemption, etc.) on these files to calculate interest on collection. You can check all the accuracy. In addition, since it is possible to calculate the collection of all loans by a computer, it is possible to secure skilled personnel, prevent inadvertent erroneous calculations by a person, and intentionally calculate a bias.

〔Example〕

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

FIG. 2 is a block diagram of a computer to which the present invention is applied.

Here, a hardware configuration for incorporating the module of the present invention and calculating the logical value of the collected interest in the loan business and managing the logical interest is shown.

In FIG. 2, reference numeral 1 denotes a central processing unit (CPU) located at the center of the management device, and an optimum one is selected according to a management scale and a data amount. Reference numeral 3 denotes a keyboard for inputting data of a contract item of a loan unit or inputting a command for calling data from a loan file on the storage device 2. Reference numeral 4 denotes a display for displaying input data, output data and the like. 5 is a printer,
This is for outputting a form. These input / output devices
3, 4, and 5 are all connected to the CPU 1. The CPU 1 is connected to a storage device 2 for storing a management program and for storing data at the same time. Storage device 2
The data stored in the borrower includes a loan file and an interest rate table.

If the computer having the configuration shown in FIG. 2 is a terminal device connected to a center device and a communication system, a module having an interest calculation procedure is built in the CPU 1.
Further, even if the data processing device is not exclusively used as a terminal device and has a terminal function, the module is built therein. Furthermore, even in the case of a data processing device intended for portable use, the module is used by being built in the CPU. In any case, the user uses it to calculate interest and manage the loan collection status.

FIG. 1 is a processing flowchart of a module for calculating a collected interest, etc., showing one embodiment of the present invention, and FIG. 6 is a diagram showing data stored in a loan file in FIG.

The loan file 21 is a basic file for performing loan management, and as shown in FIG. 6, basic loan information at the time of executing a loan, for example, an initial loan amount, a repayment method, a contract payment date, a contract repayment amount. Etc. are registered. Each data shown in FIG. 6 is accumulated for each loan case in correspondence with the loan account number.

As shown in FIG. 1, first, the loan account number of the data registered in the loan file for which the calculation of the amount of interest to be collected and the like is performed is input from the keyboard 3 (step 1).
1). Data in the loan file 21 is searched based on the input data (step 12) and stored in the memory of the CPU 1.

After that, as data for performing logical calculation such as interest recovery,
Transfer data such as loan balance, repayment method, interest calculation type, principal repayment interval, interest repayment interval, contract payment date, contract repayment amount, next principal contract payment date, and interest settlement date to the collection interest logic calculation process ( Step 13). In the collected interest calculation process (step 14), the contracted payment date, the next principal payment date, the next interest fixed payment date, and the fixed date of interest are determined based on the data passed from the collected interest calculation request process (step 13). The principal repayment interval, interest repayment interval, contract payment date,
Based on the number of days and the loan balance, interest rate, repayment method, interest calculation type, etc., calculated from the next principal contract payment date, etc., the principal repayment amount, new current balance, contract interest, delinquent interest on the contract repayment amount, and return on the contract repayment amount Calculate the interest and next principal contract payment date and the next interest contract payment date. Then, the data in the loan file 21 stored in the memory of the CPU 1 is changed. Subsequently, based on the data input from the keyboard 3, it is determined whether or not data such as the principal repayment amount and the contracted interest calculated by the calculation of the collected interest logic is changed in the loan file 21. A determination is made (step 15). When a write change is input, the loan file data stored in the memory of the CPU 1 is written and changed to the loan file 21 using the loan account number as a key (step 1).
6). After that, the loan file data stored in the memory of the CPU 1 is displayed on the display 4 (step 1).
7). In addition, edit printing is performed on the printer 5 as necessary (step 18).

FIG. 4 and FIG. 5 are diagrams each showing an example of a collection state of a loan operation or the like.

In the following, the method of calculating the interest on loan collection is shown by the principal and interest repayment method.

In this repayment method, since the contracted repayment amount matches the principal repayment amount, the delinquent interest and the repayment interest on the contracted repayment amount are expressed as “interested interest on the principal repayment amount” and “interest on the principal repayment amount”. .

The collected interest calculated based on the basic element indicating the collected state will be described as an example of one of 16 events.

 FIG. 4 shows an example in which interest settlement date (Tr) <next principal contract payment date (Tg) <calculation processing date (Ts) <interest calculation request date (Ti).

 FIG. 5 shows an example of the next principal contract payment date (Tg) <interest settlement date (Tr) <calculation processing date (Ts) <interest calculation request date (Ti).

First, since the current balance (M) is represented by the height of the vertical axis in the figure, the current balance (M) is sequentially reduced by the repayment principal on each principal contract payment date after the next principal contract payment date (Tg). To go. This gradually decreasing current balance (M) is converted to the new current balance (Mn)
And The horizontal axis indicates the collection period (Kk).
The magnitude relation of the dates of the basic elements indicating the collection status is shown.

Next, the items to be calculated by this logical procedure are the principal repayment (Gn), the contracted interest (Yn), the delinquent interest on the principal repayment (Gen), and the interest repaid on the principal repayment. (Gmn).

The principal repayment (Gn) is represented by the reduced height of the current balance (M) for each principal contract payment date, and is calculated from the next principal contract payment date (Tg) to the interest calculation request date (Ti). The repayment principal on each principal payment date included in the period will be calculated and the total amount will be calculated. (Note: The interest rate, contract rate, delinquency rate, and restitution rate used below are expressed in annual interest (%) Therefore, when calculating the contracted interest, etc., if the calculation target period is monthly, each interest rate x {1 / (12 x 100)}, and if it is daily, each interest rate x interest rate x {1 / ( 365 × 100)｝)).

The method for calculating the contracted interest out of interest is (current balance) x (one contract period) x (interest rate), so the area of (Yn) represents the contracted interest itself, and the interest settlement date (Tr ) To the interest calculation request date (T
Since the interest for each one-interest contract period up to i) is to be calculated, the total amount is calculated.

Overdue interest on principal repayment is the interest accrued on the principal repayment amount that has not yet been paid as of the processing date (Ts), even though the principal payment date has been reached. . In addition, the refund interest on the principal repayment amount is an interest generated when the principal repayment amount for the principal payment contract payment date that has not yet arrived is repaid at the calculation processing date (Ts).

First, since the delinquent interest with respect to the principal repayment amount is calculated as (each principal repayment amount) x (calculation processing date-each principal contract payment date) x (arrival interest rate), the area of (Gen) itself becomes This means that for the principal repaid on each principal contract payment date included in the period from the next principal contract payment date (Tg) to the calculation processing date (Ts), the overdue interest accrued is calculated. Because
Calculate the total amount.

In the same way, the interest repaid on the principal repayment amount is (each principal repayment amount) x each principal contract payment date-calculation processing date) x
(Return rate), the area of (Gen) itself indicates this, and each principal contract payment date included in the period from the calculation processing date (Ts) to the interest calculation request date (Ti) Since the repaid interest generated for the repayment principal is to be calculated, the total amount is calculated.

FIG. 3 is a flowchart of a logical calculation process of the collected interest showing one embodiment of the present invention.

Based on FIG. 3, the logic for calculating each part in FIGS. 4 and 5 will be described.

Basic elements are input for calculating the interest to be collected in the loan operation (step 700). The basic elements are the next principal contract payment date (Tg) (407 in FIGS. 4 and 5), the calculation processing date (Ts) (408 in the same way), the interest calculation request date (Ti)
(Same 409), interest settlement date (Tr) (same 401), principal repayment interval (Kg) (same 410), interest repayment interval (Kr)
(Same as 402) and the current balance (M) (similarly 412).

The logic calculation process described below is roughly divided into a logic procedure including a contracted interest calculation and a logic procedure not including a contracted interest calculation. In addition, the logical procedure that does not include the contracted interest calculation is the principal repayment (G
n) (411), a logical procedure for calculating the total of each past due interest (Gen) for the principal repayment amount and the new current balance (Mn) (steps 703 to 708), the principal repayment amount (Gn) (411), Logical procedure (steps 710 to 71) for calculating the total of each of the interest repaid (Gmn) (405) for the principal repayment and the new current balance (Mn)
Divided into 4).

Also, the logical procedure including the contracted interest calculation is the contracted interest (Y
n) Logical procedure for calculating the sum of only (406) (step 71)
6-725), contracted interest (Yn) (406), principal repayment (Gn)
(411), a logical procedure (step) for calculating the total of each of the delinquent interest (Gmn) for the principal repayment amount and the new current balance (Mn)
726-735), the logical procedure for calculating the contracted interest (Yn) (steps 726-735), the contracted interest (Yn) (406), the principal repayment (Gn) (411), the interest repaid on the principal repayment ( Gmn)
(405) and a logical procedure (steps 736 to 744) for calculating a new current balance (Mn).

First, when the interest settlement date (Tr) (401) is equal to or longer than the next principal contract payment date (Tg) (407) (step 701), a logical procedure (steps 701 to 714) not including the contracted interest calculation is executed. .

In the logical procedure not including the contracted interest calculation, the next principal contract payment date (Tg) (407) is defined as the new principal repayment date (step 702), and the principal repayment interval (Kg) on the new principal repayment date (410)
(Steps 706 and 711), and while moving the new principal repayment date over the collection period (Kk) (403), the principal repayment amount (Gn) (411) and the interest on the principal repayment (Gen)
(404), repayment interest on principal repayment (Gmn) (405)
, And the new current balance (Mn) is calculated.

First, whether the new principal repayment date exceeds the interest settlement date (Tr) (401) (step 703) or the calculation processing date (Ts) (408)
(Step 704) until the contracted interest (Yn) (40
6) Since there is no refunding interest (Gmn) (405) for the principal repayment, the total amount of the principal repayment (Gn) (411) and the past due interest (Gen) (404) , Execute a logical procedure to calculate the new current balance (Mn) (step
703-708).

In the logical procedure for calculating the total of the principal repayment amount (Gn) (411), the interest on the principal repayment (Gen) (404), and the new current balance (Mn), the next principal contract payment date (Tg) ) (40
7) In other words, if there are multiple contract commitments between the new principal repayment date and the calculation processing date (Ts) (408) or the interest settlement date (Tr) (401), all principal payments Since it is necessary to calculate the delinquent interest (Gen) (404) for the principal repayment amount, the principal repayment interval on the new principal repayment date is between the new principal repayment date and the calculation processing date (Ts). (Kg) (410) is added (Step 706), and the new principal repayment date is shifted over the collection period (Kk) (403) while the interest on the past due principal repayment (Gen) (404) ), The principal repayment amount (Gn) (411), and the current balance (M) (412).
n) The current balance (M) (412) is calculated by subtracting (411) (step 705).

In the process of adding the principal repayment interval (Kg) (410) to the new principal repayment date, the new principal repayment date becomes the interest calculation request date (Ti) (40).
9) (Step 707), the interest calculation request date (T
i) (Principal repayment (Gn) (411) up to 409, and delinquent interest (Gen) (404) on the principal repayment amount are calculated, so the logically calculated basic elements and the calculation result are used to calculate interest recovery, etc.) Output to the request destination and end the process (step 70
8).

Add the principal repayment interval (Kg) (410) to the new principal repayment date (Step 706), exceed the interest settlement date (Tr) (401) (Step 703), or calculate the processing date (Ts) ( 408)
(Step 704) or if any of the conditions are met, and the new principal repayment date is calculated (Ts) (40
8) If it does not exceed (Step 709), it means that the interest settlement date (Tr) (401) has been exceeded, so the logical procedure (Steps 715 to 725) including the contracted interest calculation is executed (via A) ).

When the new principal repayment date exceeds the calculation processing date (Ts) (408) (step 709), the new principal repayment date becomes the interest settlement date (T
r) Until it exceeds (401) (step 710), interest on the principal repaid (Gmn) (405), principal repaid (Gn)
A logical procedure for calculating the total of (411) and the new current balance (Mn) is executed (steps 710 to 714).

In this case as well, when there is a multiple number of principal commitments between the new principal repayment date (Tr) (401), it is necessary to calculate the refund interest (Gmn) (405) for all principal repayments. Because there is, between the calculation processing date (Ts) and the interest settlement date (Tr) (401), add the principal repayment interval (Kg) (410) to the new principal repayment date and collect the new principal repayment date While moving over the period (Kk) (403) (step 711), the total of the return interest (Gmn) (405) and the principal repayment (Gn) (411) for the principal repayment input, and the current balance ( The current balance (M) (412) is calculated by subtracting the principal repayment amount (Gn) (411) from M) (412) (step 712).

In the process of adding the principal repayment interval (Kg) (410) to the new principal repayment date, the new principal repayment date becomes the interest calculation request date (Ti) (40).
If it exceeds 9) (Step 713), the principal repayment amount (Gn) (411) and the refund interest (Gmn) (405) on the principal repayment amount are calculated until the interest calculation request date (Ti) (409). Therefore, the process ends (step 714).

Next, the interest settlement date (Tr) (401) is compared with the next principal contract payment date (Tg) (407) (step 701), and the interest settlement date (Tr) (401) is the next principal contract payment date ( If not (Tg) (407), the logical procedure (steps 715 to 725) including unconditional interest calculation is unconditionally executed. (Via A).

In the logical procedure that includes the contracted interest calculation, the interest settlement date (Tr)
The principal payment date in the near future from (401) is defined as the new principal repayment date, and the interest payment date in the near future from the interest settlement date (Tr) (401) is defined as the new interest repayment date (step 71
Five).

The interest repayment interval (Kr) (402) is added to the new interest repayment date (steps 725, 732, 741), and the contracted interest (Y) is moved while moving the new interest repayment (22) on the collection period (Kk) (403).
n) (406), interest on repayment of principal (Gen) (40)
4), the interest on the principal repaid (Gmn) (405), the principal repaid (Gn) (411), and the new current balance (M
Calculate n).

First, the new interest repayment date is the next principal contract payment date (Tg) (40
7) or more (step 716) or until the new interest repayment date exceeds the calculation processing date (Ts) (408) (step 7).
17), execute the logical procedure of only the contracted interest calculation (steps 716 to 725).

In the logical procedure for calculating the contracted interest only, if the new interest repayment date exceeds the interest calculation request date (Ti) (409) (step 718), the interest calculation request date (Ti) is set as the new interest repayment date (step 719). ), The contracted interest (Yn) (406) is calculated (step 720).

If the new interest repayment date is equal to the new principal repayment date (step 721), the principal repayment interval (Kg) (410) on the new principal repayment date
Is added and the new principal repayment date is moved over the collection period (Kk) (403) (step 722).

If the new interest repayment date is equal to the interest calculation request date (Ti) (409) (step 723), the interest calculation request date (Ti) (4
Until 09), the contracted interest (Yn) (406), the delinquent interest (Gen) (404) and the principal repayment (Gn) (411) for the principal repayment, respectively, were calculated, so they were calculated logically. Output the basic elements and calculation results to the requester for collected interest, etc.
The process ends (step 735).

On the other hand, when the new interest repayment date exceeds the calculation processing date (Ts) (408) (step 726), the contracted interest (Yn) (40)
6), the interest on the principal repaid (Gmn) (405), the principal repaid (Gn) (411), and the new current balance (M
The logical procedure (steps 736 to 744) for calculating n) is executed.

The logical procedure for calculating the total of the contracted interest (Yn) (406), the interest repaid (Gmn) (405) and the principal repaid (Gn) (411) for the principal repayment, and the new current balance (Mn) ( In steps 736 to 744), when the new interest repayment date exceeds the interest calculation request date (Ti) (409) (step 736), the interest calculation request date (Ti) (409) is set as the new interest repayment date (step 736). 737) While adding the interest repayment interval (Kr) 402) on the new interest repayment date and moving over the collection period (Kk) (403) (step 741), calculate the contracted interest (Yn) (406) (step 740). 738).

After calculating the contracted interest (Yn) (406), if the new interest repayment date is equal to the new principal repayment date and the new principal repayment date is equal to or greater than the next principal contract payment date (Tg) (407) ( Step 73
9) The principal repayment amount (Gn) (405) and the principal repayment amount (Gn) (411) and the current balance (M) (412) for the principal repayment amount 411) to calculate the current balance (M) (412) (step 740),
The principal repayment interval (Kg) (410) is added to the new principal repayment date, and the new principal repayment is moved over the collection period (Kk) (403) (step 742).

When the new interest repayment date and the interest calculation request date (Ti) (409) are equal (step 743), all logical calculations have been completed, and the logically calculated basic elements and calculation results are collected as interest. The data is output to the calculation request destination, and the process ends (step 744).

In addition, in the equal principal repayment method, the contract repayment amount is calculated each time so that the total amount of the principal repayment and the interest repayment is constant. If the amount obtained by subtracting the amount of contracted interest repaid (acquired) calculated from the current balance from the current balance is regarded as the principal repayment amount, the interest recovery can be calculated by the logical procedure of the principal repayment balance.

However, the contractual repayment each time is the sum of the principal repayment and the contracted interest repayment.However, this contracted repayment can be used as the target for the calculation of delinquent interest, and the contracted interest repayment is included. Interest cannot be calculated. This means that in the repayment of the principal installment repayment method, the repayment before the contract date is only the operational repayment that advances the final repayment date or the full repayment.

In addition, regarding the calculation of interest for other repayment methods, (a) a method for taking in advance and taking back contractual interest, (b) replenishment of interest, and (c) an additional increase in the loan amount during repayment, The contracted repayment amount and the contracted interest rate increase and fluctuate.
A method of calculating interest for each contractual repayment principal for the repaid interest (horizontal calculation type), a method of calculating interest for each contracted period (vertical calculation type), and a method of calculating interest for each contracted period (f) These include the past principal repayment amount, the contracted interest, and the past due interest for the contracted repayment, which are calculated and managed, and the sum total of the principal repayment amount, the contracted interest, and the delinquent interest for the contracted repayment amount. For the interest calculation method, the logic can be calculated only by changing the logic assembly conditions in the logic module assembled by this logic.

〔The invention's effect〕

As described above, according to the present invention, for a wide variety of loan collection states, by inputting basic elements into one logical module, all the collected interest can be calculated. However, by executing the program on a computer, it is possible to quickly and accurately calculate the collected interest.

[Brief description of the drawings]

FIG. 1 is a flowchart of data input / output processing relating to a logical calculation of a loan collection interest according to an embodiment of the present invention.
FIG. 3 is a simplified block diagram of a computer to which the present invention is applied, FIG. 3 is an operation flowchart of a loan collection interest logic calculation module showing one embodiment of the present invention, and FIGS. FIG. 6 is a diagram showing an example of a master file used in the present invention. 1: CPU, 2: Storage device, 3: Keyboard, 4: Display,
5: Printer, 21: Loan file.

 ──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor Kiyomi Nakano 1-16-5 Dogenzaka, Shibuya-ku, Tokyo Inside Hitachi Information Systems Co., Ltd. (72) Inventor Hajime Sugo 1-16-15 Dogenzaka, Shibuya-ku, Tokyo Hitachi Information Systems, Ltd.

Claims (2)

(57) [Claims] In a logical calculation method for calculating a loan collection interest by a central processing unit using a storage device, an input device, and an output device connected to the central processing device, a collection state of the target loan collection information is provided. The current balance, the interest settlement date, the next principal contract payment date, the principal repayment interval and the interest repayment interval are stored in the above storage device, and the calculation processing date, which is the date actually paid, and the latest interest contract After storing the interest repayment date, which is the payment date, and the principal payment amount actually repaid in the storage device, the current balance, the interest settlement date, the next The principal contract payment date, the calculation processing date, the interest repayment date, the principal repayment interval, the interest repayment interval, and the principal repayment amount are read out.First, as a result of comparison in the arithmetic circuit of the central processing unit, the interest The settlement date is the next principal contract If beyond the write date, and outputs only the principal payments excluding contractual interest in the operational circuit,
On the other hand, if the fixed interest date does not exceed the next principal contract payment date or the fixed interest date does not exceed the calculation processing date, the arithmetic circuit calculates the delinquent interest for the principal repayment amount. The first and second processings are repeated by adding the principal repayment amount to the calculation result, subtracting the principal repayment amount from the current balance, and adding the principal repayment interval on the principal repayment date. As a result of the comparison in the arithmetic circuit, when the next principal contract payment date does not exceed the interest settlement date and exceeds the calculation processing date, the arithmetic circuit returns interest on the principal repayment amount. Is calculated, the principal repayment amount is added to the calculation result, the principal repayment amount is subtracted from the current balance, and the principal repayment interval is added to the principal repayment date, and the second process is repeated. And the result of the comparison in the arithmetic circuit, the interest settlement date is the next principal If it does not exceed the fixed payment date, the arithmetic circuit calculates the contracted interest, and as a result of the comparison in the arithmetic circuit, the interest repayment date exceeds the next principal contract payment date or the calculation processing date. If not, the arithmetic circuit calculates only the contracted interest, adds the principal repayment interval to the principal repayment date, and adds the interest repayment interval to the interest repayment date, and repeats the above processing. As a result of the comparison in the arithmetic circuit, when the interest repayment date is equal to or longer than the next principal contract payment date and exceeds the calculation processing date, the arithmetic circuit calculates the contracted interest, Calculate and add the delinquent interest for the repayment amount, further add the principal repayment amount, deduct the principal repayment amount from the current balance, add the principal repayment interval on the principal repayment date, and The fourth step of repeating the above processing by adding the interest repayment interval on the repayment date As a result of the comparison in the arithmetic circuit, when the interest repayment date exceeds the calculation processing date, the arithmetic circuit calculates a contracted interest, and then calculates a return interest for the principal repayment amount. Add to the above calculation result, further add the principal repayment amount, deduct the principal repayment amount from the current balance, add the principal repayment interval on the principal repayment date, the interest repayment date And a fifth step of repeating the above process by adding an interest repayment interval. 2. The method according to claim 1, wherein each of the steps is, after being converted into a program, a center device and a terminal device connected to the center device by a communication system. In the system, whether it is built in the center device, built in the terminal device, built in a data processing device that operates independently on the premise of personal use,
Alternatively, the method for calculating a loan collection interest logic is characterized by being incorporated in a portable data processing device.