JP6943588B2 - Loan management equipment, loan management methods, and loan management programs - Google Patents

Description

The present invention relates to a loan management device, a loan management method, and a loan management program.

Conventionally, for example, Patent Document 1 is a device that performs loan calculation when executing prepayment (repayment). The device of Patent Document 1 is for inputting a display means for displaying a loan graph, a drawing means for causing the display means to draw a loan graph, a time designation means for designating a time to execute advance payment, and an advance amount. An input means and a redrawing means for causing the display means to redraw the loan graph in a predetermined repayment format after the prepayment is executed based on the time specified by the time designation means and the prepayment amount input by the input means. I have.

Japanese Unexamined Patent Publication No. 2003-288486

However, in Patent Document 1, the renewal fee at the time of prepayment is not particularly considered.

The present invention has been made in view of the above, and is a loan management device, a loan management method, and a loan management capable of setting a high fee for changing a loan contract within a range not exceeding the maximum interest rate. The purpose is to provide a program.

A loan management device provided with a control unit in order to solve the above-mentioned problems and achieve the purpose, and the control unit calculates the real interest rate at the time of financing or when the contract of the loan is changed. Calculate the upper limit of the interest rate calculation means and the upper limit of the fee when changing the loan contract as the upper limit fee so that the real interest rate does not exceed the upper limit fee, and display the calculated upper limit fee on the screen of the display means. It is characterized by having means and.

Further, according to a preferred embodiment of the present invention, the number of repayments branch number, the beginning of the product number, the end of the product number, for dividing the number of repayments into two in the case of crossing the off-year, for each repayment number in relation to the claim number. The real interest rate calculation means is provided with a master for calculating the real interest rate, which stores the number of days of product, the number of days in one year, the balance, the number of balance products (however, the number of balance products = balance x the number of days of products ÷ the number of days in one year), and the deemed interest. For each repayment number, the number of repayments branch number, the beginning of the product number, the end of the product number, the number of days of the product, the number of days in one year, the balance, the balance product number, and the deemed product number. The interest data is calculated and registered in the real interest rate calculation master, and the real interest rate is calculated by multiplying the real interest rate by the cumulative total of deemed interests divided by the cumulative number of balances. It is desirable to calculate the maximum fee by multiplying the maximum fee = maximum interest rate (%) x cumulative number of balance products-cumulative deemed interest.

Further, according to a preferred embodiment of the present invention, it is desirable that the real interest rate calculation means prohibits registration of the calculated data in the real interest rate calculation master when the calculated real interest rate exceeds the upper limit interest rate.

Further, according to a preferred embodiment of the present invention, it is desirable that the change in the loan contract be paid off early.

Further, in order to solve the above-mentioned problems and achieve the object, the present invention is a loan management method executed by an information processing apparatus provided with a control unit, and is executed by the control unit at the time of financing. Alternatively, the real interest rate calculation step for calculating the real interest rate when changing the loan contract and the upper limit of the fee for changing the loan contract are calculated as the upper limit fee so that the real interest rate does not exceed the upper limit interest rate. , The upper limit fee calculation step of displaying the calculated upper limit fee on the screen of the display means, and the like.

Further, in order to solve the above-mentioned problems and achieve the object, the present invention is a loan management program for causing an information processing apparatus provided with a control unit to execute a loan, which is executed by the control unit. At the time of, or when the loan contract is changed, the real interest rate calculation step to calculate the real interest rate and the upper limit of the fee when changing the loan contract are set as the upper limit fee so that the real interest rate does not exceed the upper limit interest rate. It is characterized by having a computer execute a step of calculating a maximum fee and displaying the calculated maximum fee on a screen of a display means.

According to the present invention, it is possible to set a high fee for changing a loan contract within a range not exceeding the maximum interest rate.

FIG. 1 is a diagram showing an example of data configuration of a conventional master used when calculating the real interest rate. FIG. 2 is a diagram for explaining a conventional method of calculating the real interest rate at the time of financing. FIG. 3 is a diagram for explaining a conventional method of calculating the real interest rate at the time of contract change (at the time of early repayment). FIG. 4 is a block diagram showing an example of the configuration of the loan management device according to the present embodiment. FIG. 5 is a diagram showing a data configuration example of the repayment schedule master and the real interest rate calculation master. FIG. 6 is a diagram for explaining a display example when calculating the real interest rate at the time of loan (at the time of loan application). FIG. 7 is a diagram for explaining a method of calculating the real interest rate at the time of financing according to the present embodiment. FIG. 8 is a diagram for explaining a display example when calculating the real interest rate at the time of early repayment. FIG. 9 is a diagram for explaining a method for calculating the real interest rate when calculating the real interest rate at the time of early repayment. FIG. 10 is a diagram for explaining a modified example at the time of early payment.

Hereinafter, the loan management device, the loan management method, and the embodiment of the loan management program according to the present invention will be described in detail with reference to the drawings. The present invention is not limited to the present embodiment.

[1. Overview]
When lending to individuals (including business owners), the lender must set a fee so as not to exceed the maximum interest rate stipulated in the Interest Rate Restriction Act and Money Lending Business Act. Since the administrative fees for loan and contract renewal (advance payment and early payment) may also be regarded as interest, the lender also calculates and checks the real interest rate in addition to the contract interest rate.

Depending on the lender, the interest calculation method for repayment may differ from the real interest rate calculation method (leap year, pre-interest or post-interest method, monthly or daily rate, etc.). In the conventional loan management system, the real interest rate was calculated accurately at the time of loan, but at the time of contract renewal (advance repayment or early repayment), the real interest rate was roughly calculated from the latest repayment schedule data. For this reason, when the prepayment is repeated several times, the error in the real interest rate becomes large. Therefore, there was no choice but to set a low fee when renewing the contract. Therefore, in the present embodiment, it is possible to set a fee that is extremely close to the maximum interest rate.

The conventional method of calculating the real interest rate will be described. FIG. 1 is a diagram showing an example of data configuration of a repayment schedule master used for creating a loan repayment schedule. As shown in FIG. 1, the repayment schedule master 106a includes the loan number, the number of repayments, the repayment date, the interest calculation start date, the interest calculation end date, the interest calculation days, the contract interest rate, the principal balance before repayment, and the principal repayment amount. A table containing data such as interest repayment amount, fee repayment amount, and principal balance after repayment.

FIG. 2 is a diagram for explaining a conventional method of calculating the real interest rate at the time of financing. FIG. 3 is a diagram for explaining a conventional method of calculating the real interest rate at the time of contract change (at the time of early repayment). In the past, the real interest rate was calculated using the same repayment schedule master 106a at the time of loan and at the time of early repayment.

Figure 2 shows the loan No. “1001-1”, the loan date “2012/11/1”, the loan amount “1,000,000 yen”, the loan interest rate “12,000,000%”, the number of repayments “20”, and the repayment period. It shows the repayment schedule when "2012/11/25 to 2014/6/25" and the administrative fee "10,000 yen". For the target loan NO, the repayment date of each repayment, the interest calculation start date, the interest calculation end date, the interest calculation days, the contract interest rate, the principal balance before repayment, the principal repayment amount, the interest repayment amount, and the fee repayment The amount and the data of the principal balance after repayment are calculated and registered in the repayment schedule master 400. Here, the interest repayment amount is calculated as interest repayment amount = principal balance before repayment x contract interest rate x interest calculation days ÷ 365 (366 in the case of a leap year). In addition, the balance product number is calculated for each repayment. The balance product number is calculated by the balance product number = principal balance before repayment x interest calculation days.

In addition, the deemed interest rate, total balance product, and real interest rate are calculated. Deemed interest is calculated as deemed interest = total interest repayment amount + total fee repayment amount. The cumulative balance product is calculated by the total balance product = total balance product. The number of days per year shall be 366 days if the repayment period includes a leap year, and 365 days otherwise. The real interest rate is calculated as real interest rate = deemed interest rate x number of days per year / cumulative balance product. In the example shown in FIG. 2, the real interest rate is 13,1941044%.

FIG. 3 is a diagram for explaining the calculation of the real interest rate when the repayment schedule of FIG. 2 is set to the early repayment date “2013/4/25” and the advance fee “10.000 yen”. In this case as well, the same repayment schedule master 106a as at the time of financing is used. In this case, the real interest rate will be 16,79%, which will exceed the maximum interest rate (15%), so the commission will be reduced and adjusted. In the past, the fee was calculated roughly so as not to exceed the maximum interest rate (15%), so it was not possible to set the fee up to the upper limit of the real interest rate. In the present embodiment, by calculating and presenting the maximum fee that is extremely close to the maximum interest rate to the user, the user can set a high fee for changing the loan contract within a range that does not exceed the maximum interest rate. I am trying to do it.
Hereinafter, a specific configuration and operation will be described.

[2. composition]
The configuration of the loan management device 100 according to the present embodiment will be described with reference to FIG. FIG. 4 is a block diagram showing an example of the configuration of the loan management device 100.

The loan management device 100 is a commercially available desktop personal computer. The loan management device 100 is not limited to a stationary information processing device such as a desktop personal computer, but is a portable type such as a commercially available notebook personal computer, a PDA (Personal Digital Assistants), a smartphone, or a tablet personal computer. It may be an information processing device.

As shown in FIG. 2, the loan management device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input / output interface unit 108. Each part of the loan management device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 connects the loan management device 100 to the network 300 so as to be communicable via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with another device via a communication line. Here, the network 300 has a function of connecting the loan management device 100 and the server 200 so as to be able to communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). The data stored in the storage unit 106, which will be described later, may be stored in the server 200.

An input device 112 and an output device 114 are connected to the input / output interface unit 108. As the output device 114, a speaker or a printer can be used in addition to a monitor (including a home television). As the input device 112, in addition to a keyboard, a mouse, and a microphone, a monitor that cooperates with the mouse to realize a pointing device function can be used. In the following, the output device 114 may be referred to as a monitor 114, and the input device 112 may be referred to as a keyboard 112 or a mouse 112. Further, displaying on the monitor 114 and performing an operation on the input device 112 may be described as "user operation via UI".

Various databases, tables, files, and the like are stored in the storage unit 106. In the storage unit 106, a computer program for giving an instruction to a CPU (Central Processing Unit) in cooperation with an OS (Operating System) to perform various processes is recorded. As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory) or a ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, or the like can be used.

The storage unit 106 stores the repayment schedule master 106a and the real interest rate calculation master 106b. FIG. 5 is a diagram showing a data configuration example of the repayment schedule master 106a and the real interest rate calculation master 106b.

The repayment schedule master 106a is a master used when the repayment schedule calculation unit 102a calculates the repayment schedule of the loan. As shown in FIG. 5, the repayment schedule master 106a includes the loan number, the number of repayments, the repayment date, the interest calculation start date, the interest calculation end date, the interest calculation days, the contract interest rate, the principal balance before repayment, and the principal repayment amount. A table containing data such as interest repayment amount, fee repayment amount, and principal balance after repayment. The repayment schedule master 106a has the same configuration as the repayment schedule master 106a shown in FIG.

The real interest rate calculation master 106b is a master used by the real interest rate calculation unit 102b to calculate the real interest rate when making a loan or when changing a loan contract. As shown in FIG. 5, the real interest rate calculation master 106b has a claim number, a number of repayments, and a number of repayments for dividing the number of repayments into two when crossing a fallow year. It is a table or the like containing data such as the number of days, the number of days in a year, the balance, the number of products in balance, and the deemed interest amount.

The number of repayments branch number is usually "1 (times)", and if the 25th of the current month is the payment date, the cumulative number of days is usually the 26th of the previous month and the end of the product is 25 of the current month. It will be a day. In the present embodiment, in the case of crossing a leap year, the number of repayments from December 26 to December 31 is set to "1" in order to reset the accumulated days at the end of the fiscal year and start a new accumulated from the new year. From January 1st to January 25th, the number of repayments is set to "2" so that the number of days in a year is accurate so that the real interest rate can be calculated accurately.

The control unit 102 is a CPU or the like that comprehensively controls the loan management device 100. The control unit 102 has an internal memory for storing a control program such as an OS, a program that defines various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Run. The control unit 102 functionally includes a repayment schedule calculation unit 102a, a real interest rate calculation unit 102b, and an upper limit fee calculation unit 102c.

The repayment schedule calculation unit 102a creates a repayment schedule using the repayment schedule master 106a. The preparation of the repayment schedule at the time of loan and contract renewal is the same as described in FIGS. 1 to 3 above.

The real interest rate calculation unit 102b uses the real interest rate calculation master 106b to calculate the real interest rate at the time of financing or when the contract of the financing is changed. The real interest rate calculation unit 102b considers the number of repayments, the number of repayments, the beginning of the product, the end of the product, the number of days of the product, the number of days in a year, the balance, the number of balance products, and the number of balances for each repayment of the target loan (credit No.). The interest amount is calculated and registered in the real interest rate calculation master 106b, and the real interest rate is calculated by the real interest rate = deemed interest ÷ cumulative balance product.

The upper limit fee calculation unit 102c calculates the upper limit of the fee at the time of changing the loan contract as the upper limit fee so that the real interest rate at the time of contract change does not exceed the upper limit interest rate, and displays the calculated upper limit fee on the screen of the monitor 112. do. The maximum fee is calculated as maximum fee = maximum interest rate 15% ÷ number of days per year-deemed interest (excluding fees when changing contracts).

[3. Specific example of processing]
A specific example of the processing of the loan management device 100 according to the present embodiment will be described in detail with reference to FIGS. 2 to 10. 6 to 10 are diagrams for explaining a specific example of the processing of the loan management device 100 according to the present embodiment. In the following specific example, "early repayment" will be illustrated and described as a case of changing the loan contract.

FIG. 6 is a diagram for explaining a display example when calculating the real interest rate at the time of loan (at the time of loan application). FIG. 7 is a diagram for explaining the calculation of the real interest rate at the time of financing.

When calculating the real interest rate at the time of loan (at the time of loan application), the real interest rate calculation unit 102b displays, for example, the screen shown in FIG. 6A on the monitor 114. In FIG. 6A, when the user operates the input device 112 to input the loan No., the loan date, the loan amount, the loan interest rate, the number of repayments, the repayment period, and the administrative fee, and press the execute button, the real interest rate is reached. The calculation unit 102b calculates the real interest rate for the loan No. based on the loan date, the loan amount, the loan interest rate, the number of repayments, the repayment period, and the administrative fee.

In the example shown in FIG. 6 (A), the loan No. “1001-1”, the loan date “2012/11/1”, the loan amount “1,000,000 yen”, the loan interest rate “12,000,000%”, and the number of repayments "20", repayment period "2012/11/25 to 2014/6/25", and administrative fee "10,000 yen" are entered.

Loan No. "1001-1", loan date "2012/11/1", loan amount "1,000,000 yen", loan interest rate "12,000,000%", number of repayments "20", repayment period "2012/11" / 25-2014 / 6/25 ”, number of repayments in case of administrative fee“ 10,000 ”, number of repayments branch number, start of product number, end of product number, number of product days, number of days per year, balance, balance product number, An example of calculating the deemed interest amount is shown in FIG.

In FIG. 7, the balance product number is calculated by the balance product number = balance × product days / one year days. The number of repayments branch number is usually "1 (times)", and the 25th of the current month is the payment date. Therefore, the cumulative number of days is 26 days for the beginning of the product and 25 days for the end of the product. In this example, in order to straddle the off-year, the third repayment on 2012/12/26 to 2013/1/25 is divided into two, and 2012/12/26 (start of product number) to 2012/12 / 31 (end of product number) is set as the number of repayment branch number "1", and 2013/1/1 (start of product number) to 2013/1/26 (end of product number) is set as the number of repayment branch number "2". Is accurate so that the error in the real interest rate is small.

Further, the real interest rate calculation unit 102b calculates the real interest rate by multiplying the real interest rate by the deemed interest rate and the cumulative balance product. In the example shown in FIG. 7, the real interest rate is 13.16439%, and the real interest rate calculation unit 102b displays the calculated real interest rate as shown in FIG. 6 (B). Then, when the user presses the registration button, the real interest rate calculation unit 102b calculates the number of repayments, the number of repayments, the branch number, the beginning of the product, the end of the product, the number of days of the product, and one for the claim number "1001-1". The data of the number of days per year, the balance, the product of balances, and the deemed interest amount are registered in the real interest rate calculation master 106b.

FIG. 8 is a diagram for explaining a display example of the monitor 114 when calculating the real interest rate at the time of early repayment according to the present embodiment. FIG. 9 is a diagram for explaining the calculation of the real interest rate at the time of early repayment of the present embodiment.

When calculating the real interest rate at the time of early repayment, the real interest rate calculation unit 102b displays, for example, the screen shown in FIG. 8A on the monitor 114. In FIG. 8A, when the user operates the input device 112 to input the bond No., the early repayment date, and the advance fee and press the execute button, the real interest rate calculation unit 102b actually describes the bond No. The real interest rate is calculated with reference to the data already registered in the interest rate calculation master 106b.

In the example shown in FIG. 8A, the claim No. “1001-1”, the early repayment date “2013/4/25”, and the advance fee “10.000 yen” are input.

The real interest rate calculation unit 102b refers to the data already registered in the real interest rate calculation master 106b for the claim NO “1001-1”, and for each repayment number, the repayment number branch number, the product number start, and the product. Calculate the end of the number, the number of days of product, the number of days in one year, the balance, the number of products in balance, and the deemed interest amount. Number of repayments, number of repayments, branch number, start of product number, end of product number, number of days of product when claim No. "1001-1", early repayment date "2013/4/25", advance fee "10.000 yen" An example of calculation of the number of days per year, the balance, the number of products in balance, and the deemed interest is shown in FIG.

In FIG. 9, the number of repayments is 6, and the number of repayments is the same as in FIG. 7. The deemed interest includes an advance fee of 10,000 yen.

Further, the real interest rate calculation unit 102b calculates the real interest rate by multiplying the real interest rate by the deemed interest rate and the cumulative balance product, as in FIG. 7. In the example shown in FIG. 9, the real interest rate = 16.76325% (= deemed interest 70,377 yen ÷ cumulative balance product number 419,829 yen), and the real interest rate calculation unit 102b calculates the real interest rate in FIG. 8 (B). ) Is displayed. In this way, with the prepayment fee of 10,000 yen in this example, the real interest rate exceeds 15%.

On the other hand, the maximum fee calculation unit 102c calculates the maximum fee by the maximum fee = 15% × cumulative balance product ÷ number of days in one year-deemed interest (excluding advance fee). In the example shown in FIG. 9, the maximum fee is 2,597 yen (= maximum interest rate 15% ÷ number of days per year 366-deemed interest (deemed interest 70,377 yen-advance fee 10,000 yen)), and the maximum fee calculation unit 102c displays the calculated maximum fee as shown in FIG. 8 (B).

Since this maximum fee is an accurate amount, if the advance fee is 2,577 yen, the real interest rate is 14.999916 (= deemed interest (60,377 yen + 2,597 yen) ÷ cumulative balance product number 419,829. Yen), which is extremely close to the maximum interest rate, so it is possible to set an advance fee up to the limit of the maximum interest rate.

When the real interest rate exceeds 15%, the real interest rate calculation unit 102b resets the advance fee (for example, to the maximum fee because the real interest rate exceeds the maximum interest rate) even if the registration button is pressed. Please set) and calculate again. ”Is displayed, and the calculated data (repayment count, repayment count branch number, product start, product end, product days, one year days, balance, balance product) The registration of numbers and deemed interest rates in the real interest rate calculation master 106b may be prohibited. On the other hand, the real interest rate calculation unit 102b may register the calculated data in the real interest rate calculation master 106b only when the real interest rate is 15% or less.

When the user changes the advance fee to the upper limit fee on the screen of FIG. 8B and presses the execute button, the real interest rate calculation unit 102b calculates the data when the advance fee is set as the upper limit fee and presses the registration button. When is pressed, the data is registered in the real interest rate calculation master 106b.

FIG. 10 is a diagram for explaining a modified example at the time of early repayment. The real interest rate when the maximum fee and the maximum fee are used as the advance fee may be calculated and displayed directly without inputting (setting) the advance fee. The real interest rate calculation unit 102b displays, for example, the screen shown in FIG. 10A on the monitor 114. In FIG. 10A, the user operates the input device 112 to input the claim No. (for example, 1001-1) and the early repayment date (for example, 2013/4/25), and press the execute button. Correspondingly, as shown in FIG. 10B, the maximum fee calculation unit 106c calculates and displays the maximum fee for the claim No. in the same manner as in FIG. 9, and the real interest rate calculation unit 102b displays it. The real interest rate when the calculated upper limit fee is used as the advance fee may be calculated and displayed by the same method as in FIG. When the registration button is pressed, the real interest rate calculation unit 102b registers the calculated data in the real interest rate calculation master 106b. As a result, the user can set the upper limit fee without inputting the advance fee, and the user's trouble can be saved.

As described above, according to the loan management device 100 of the present embodiment, the real interest rate calculation unit 102b that calculates the real interest rate and the real interest rate set the maximum interest rate at the time of financing or when the contract of the loan is changed. Since it is equipped with an upper limit fee calculation unit 102c that calculates the upper limit of the fee when changing the loan contract as the upper limit fee and displays the calculated upper limit fee on the screen of the monitor 114 so as not to exceed the loan contract. It is possible to set the fee for the change high within the range that does not exceed the maximum interest rate.

In addition, according to the present embodiment, the number of repayments branch number, the beginning of the product number, the end of the product number, and the product for dividing the number of repayments into two in the case of crossing the off-year for each repayment number in relation to the claim number. It is equipped with a real interest rate calculation master 106b that stores several days, one year days, balance, balance product number (however, balance product number = balance x product days ÷ one year days), and the real interest rate calculation unit 102b. Calculates the data of the number of repayments, the number of repayments, the beginning of the product, the end of the product, the number of days of the product, the number of days in a year, the balance, the number of balance products, and the deemed interest for each repayment. Registered in the interest rate calculation master 106b, the real interest rate is calculated by the real interest rate = cumulative total of deemed interest ÷ cumulative number of balance products, and the maximum fee calculation unit 102c sets the maximum fee and the maximum fee = maximum interest rate (%). ) × Cumulative balance product-Assumed interest is calculated, so the real interest rate and maximum fee can be calculated accurately.

Further, according to the present embodiment, the real interest rate calculation unit 102b prohibits the registration of the calculated data in the real interest rate calculation master 106b when the calculated real interest rate exceeds the upper limit interest rate. It is possible to prevent inappropriate data from being registered in the real interest rate calculation master 106b.

In the above embodiment, the case where the loan contract change is made early payment has been described, but the present invention is not limited to this, and can be applied to advance payment and the like.

[4. Other embodiments]
In addition to the above-described embodiments, the present invention may be implemented in various different embodiments within the scope of the technical ideas described in the claims.

For example, of each of the processes described in the embodiments, all or part of the processes described as being automatically performed may be manually performed, or all of the processes described as being performed manually. Alternatively, a part thereof can be automatically performed by a known method.

In addition, the processing procedure, control procedure, specific name, information including parameters such as registration data and search conditions of each processing, screen examples, and database configuration shown in the present specification and drawings are not specified unless otherwise specified. Can be changed arbitrarily.

Further, with respect to the loan management device 100, each component shown in the figure is a functional concept and does not necessarily have to be physically configured as shown in the figure.

For example, with respect to the processing functions included in the loan management device 100, particularly each processing function performed by the control unit 102, all or any part thereof is realized by the CPU and a program interpreted and executed by the CPU. It may be realized as hardware by wired logic. The program is recorded on a non-temporary computer-readable recording medium including a programmed instruction for causing the information processing apparatus to execute the process described in the present embodiment, and the loan management apparatus is required. Read mechanically to 100. That is, a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or an HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM, and cooperates with a CPU to form a control unit.

Further, this computer program may be stored in an application program server connected to the loan management device 100 via an arbitrary network, and all or a part thereof can be downloaded as needed. be.

Further, the program for executing the process described in the present embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the "recording medium" includes a memory card, a USB (Universal Serial Bus) memory, an SD (Secure Digital) card, a flexible disk, a magneto-optical disk, a ROM, an EPROM (Erasable Programmable Read Only Memory), and an EEPROM (registration). Trademarks) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magnet-Optical Disk), MO (Magnet-Optical Disk), MO (Magnet-Optical Disc), DVD (Digital), DVD (Digital) It shall include any "portable physical medium".

The "program" is a data processing method described in any language or description method, regardless of the format such as source code or binary code. The "program" is not necessarily limited to a single program, but is distributed as a plurality of modules or libraries, or cooperates with a separate program represented by the OS to achieve its function. Including things. A well-known configuration or procedure can be used for a specific configuration and reading procedure for reading the recording medium in each device shown in the embodiment, an installation procedure after reading, and the like.

Various databases and the like stored in the storage unit 106 are memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and storage means such as optical disks, and are used for various processes and website provision. Stores programs, tables, databases, files for web pages, etc.

Further, the loan management device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which an arbitrary peripheral device is connected. Further, the loan management device 100 may be realized by mounting software (including a program or data) that realizes the processing described in the present embodiment on the device.

Further, the specific form of dispersion / integration of the device is not limited to the one shown in the figure, and all or part of the device is functionally or physically in an arbitrary unit according to various additions or functional loads. It can be distributed and integrated. That is, the above-described embodiments may be arbitrarily combined and implemented, or the embodiments may be selectively implemented.

100 loan management device
102 Control unit
102a Repayment schedule calculation unit
102b Real interest rate calculation unit
102c Maximum fee calculation unit
104 Communication interface section
106 Storage
106a Scheduled repayment master
106b Real interest rate calculation master
108 Input / output interface section
112 Input device
114 Output device 200 Server 300 Network

Claims (6)

A loan management device equipped with a storage unit and a control unit.
In the storage unit
In relation to the credit number, for each repayment, the beginning of the product, the end of the product, the number of days of the product, the number of days in one year, the balance, the number of balance products (however, the number of balance products = balance x the number of days in the product ÷ the number of days in one year), And the master for calculating the real interest rate for storing the deemed interest is stored.
The control unit
At the time of financing or when the contract of the financing is changed, for each repayment, the beginning of the product, the end of the product, the number of days of the product, the number of days in one year, the balance, and the product of the balance. Calculate the number and the deemed interest data and register it in the real interest rate calculation master, and refer to the data already registered in the real interest rate calculation master to set the real interest rate as real interest rate = deemed interest ÷ A real interest rate calculation method that calculates the cumulative number of outstanding balances,
To prevent the real interest rate from exceeding the maximum interest rate, the maximum fee is set as the maximum fee when changing the contract of the loan, and the maximum fee = maximum interest rate (%) x cumulative balance product-deemed interest is calculated and calculated. The upper limit fee calculation means that displays the upper limit fee on the screen of the display means, and
A loan management device characterized by being equipped with. The loan management device according to claim 1, wherein the real interest rate calculation master further includes a repayment number branch number for dividing the repayment number into two in the case of straddling a leap year. The method according to claim 1 or 2, wherein the real interest rate calculation means prohibits registration of the calculated data in the real interest rate calculation master when the calculated real interest rate exceeds the maximum interest rate. Loan management device. The loan management device according to any one of claims 1 to 3, wherein the change of the loan contract is an early payment. A loan management method executed by an information processing device equipped with a storage unit and a control unit.
In the storage unit
In relation to the credit number, for each repayment, the beginning of the product, the end of the product, the number of days of the product, the number of days in one year, the balance, the number of balance products (however, the number of balance products = balance x the number of days in the product ÷ the number of days in one year), And the master for calculating the real interest rate for storing the deemed interest is stored.
Executed by the control unit,
At the time of loan or change of contract of the loan, for each repayment, the beginning of the product, the end of the product, the number of days of the product, the number of days in one year, the balance, and the product of the balance. Calculate the number and the deemed interest data and register it in the real interest rate calculation master, and refer to the data already registered in the real interest rate calculation master to set the real interest rate as real interest rate = deemed interest ÷ The real interest rate calculation step calculated by accumulating the balance products and
To prevent the real interest rate from exceeding the maximum interest rate, set the maximum fee for changing the loan contract.
As the maximum fee, the maximum fee is calculated by = maximum interest rate (%) x cumulative balance product-deemed interest, and the calculated maximum fee is displayed on the screen of the display means.
A loan management method characterized by including. It is a loan management program to be executed by an information processing device equipped with a storage unit and a control unit.
In the storage unit
In relation to the credit number, for each repayment, the beginning of the product, the end of the product, the number of days of the product, the number of days in one year, the balance, the number of balance products (however, the number of balance products = balance x the number of days in the product ÷ the number of days in one year), And the master for calculating the real interest rate for storing the deemed interest is stored.
In the control unit,
At the time of loan or change of contract of the loan, for each repayment, the beginning of the product, the end of the product, the number of days of the product, the number of days in one year, the balance, and the product of the balance. Calculate the number and the deemed interest data and register it in the real interest rate calculation master, and refer to the data already registered in the real interest rate calculation master to set the real interest rate as real interest rate = deemed interest ÷ The real interest rate calculation step calculated by accumulating the balance products and
To prevent the real interest rate from exceeding the maximum interest rate, set the maximum fee for changing the loan contract.
As the maximum fee, the maximum fee is calculated by = maximum interest rate (%) x cumulative balance product-deemed interest, and the calculated maximum fee is displayed on the screen of the display means.
A loan management program that lets your computer run.

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