JP7228177B2 - Borrowing information prediction device, borrowing information prediction device control method, and borrowing information prediction program - Google Patents

Description

The present invention relates to a borrowing information prediction device that automatically generates prediction information for future borrowing, a control method for the borrowing information prediction device, and a borrowing information prediction program.

Conventionally, there have been proposals for business management support systems, etc., that enable the accounting departments of companies, etc., to create concrete financial statements in accordance with medium- to long-term plans by simulating the company's future profit and loss statements. (For example, Patent Document 1, etc.).

JP 2016-134053 A

However, such business management support systems, etc. are systems, etc. that can prepare concrete financial statements in the future only after a person in charge with accounting knowledge, etc. inputs the necessary data in the prescribed items. Therefore, there is a problem that it is inconvenient for managers of small stores and the like.

Therefore, the present invention provides a borrowing information prediction device and control of the borrowing information prediction device that can automatically provide the user with prediction information of future borrowings, etc., simply by inputting transaction information of financial institutions, etc. An object is to provide a method and a borrowing information prediction program.

The above object of the present invention is to provide a borrowing information prediction device that predicts the entire borrowing amount information without receiving the entire borrowing amount information for equal principal repayment known to the user from the user . a financial institution transaction information storage unit for storing financial institution transaction information; an item information generation processing unit; and an overall borrowing calculation basic information generation processing unit that generates interest rate data, remaining bond amount data, and remaining repayment period data based on the repayment amount data and the interest data, This is achieved by a borrowing information prediction device, which is configured to predict and generate the overall borrowing amount information based on the interest rate data, the remaining debt amount data, and the remaining repayment period data.

According to the above configuration, it has a financial institution transaction information storage unit (eg, passbook data storage unit) that stores financial institution transaction information (eg, passbook data).
Therefore, for example, financial institution transaction information such as passbook data can be stored.
Further, in the above configuration, borrowing-related item information such as repayment amount data and interest data is extracted from financial institution transaction information and stored in a borrowing-related item information storage unit (for example, repayment amount data storage unit, interest data storage unit). be able to.
Furthermore, in the above configuration, based on the borrowing-related item information (eg, repayment amount data, interest data), for example, the overall borrowing calculation basic information such as annual interest rate data, remaining bond amount data, remaining repayment period data, etc. is generated. be able to.

Therefore, based on the basic information for calculation of all borrowings such as annual interest rate data, remaining debt amount data, remaining repayment period data, etc., the total borrowing amount, monthly repayment amount, repayment period, etc. can be accurately predicted. can be generated by
Furthermore, since the overall borrowing information can be automatically generated from financial institution transaction information such as passbook data, the apparatus is extremely user-friendly for users such as managers of small shops.
In addition, according to the above configuration, it is possible to generate basic borrowing calculation basic information including annual interest rate information, remaining debt amount information and remaining repayment period information from borrowing related item information including repayment amount information and interest information.
Then, since it is possible to generate the overall borrowing information including the amount information of the entire borrowing amount, the monthly repayment amount information and the repayment period information from the overall borrowing calculation basic information, it is possible to accurately predict the future borrowing information. I can .

Preferably, the amount of funds predicted based on the overall borrowings information is data on outstanding debts, and is compared with corresponding monthly sales data to generate and output warning information.

According to the above configuration, it is possible to generate and output warning information related to funds expected to accompany fluctuations in the overall borrowing information, for example, information such as an alert that the share of each bank has fluctuated. The user can be appropriately notified of the occurrence of such a situation.

In the present invention, the above-mentioned object is to control a borrowing information prediction device that predicts the entire borrowing amount information without receiving the entire borrowing amount information for equal principal repayment known to the user from the user . A method, wherein financial institution transaction information is stored in a financial institution transaction information storage unit, repayment amount data and interest data relating to the overall borrowing amount information are extracted from the financial institution transaction information, and stored in the borrowing related item information storage unit. generating interest rate data, remaining bond amount data and remaining repayment period data based on the repayment amount data and the interest data, and generating interest rate data, remaining bond amount data and remaining repayment period data based on the interest data This is achieved by a control method for a borrowing information prediction device, characterized in that the overall borrowing amount information is predicted and generated.

In the present invention, the above object is to provide a borrowing information prediction device that predicts the entire borrowing amount information without receiving the entire borrowing amount information for the equal principal repayment known to the user from the user , A function of storing financial institution transaction information in the financial institution transaction information storage unit, a function of extracting repayment amount data and interest data related to the overall borrowing amount information from the financial institution transaction information and storing them in the borrowing related item information storage unit, a function of generating interest rate data, remaining debt amount data and remaining repayment period data based on repayment amount data and said interest data; said borrowing based on said interest rate data, said remaining debt amount data and said remaining repayment period data; This is achieved by a borrowing information prediction program characterized by executing a function of predicting and generating the entire amount information.

INDUSTRIAL APPLICABILITY As described above, the present invention provides a borrowing information prediction apparatus and a borrowing information prediction apparatus that can automatically provide a user with future borrowing prediction information, etc., simply by inputting transaction information of a financial institution, etc. There is an advantage that a prediction device control method and a borrowing information prediction program can be provided.

BRIEF DESCRIPTION OF THE DRAWINGS It is the schematic which shows the external appearance of the "borrowing information prediction apparatus" concerning embodiment of this invention. 1. It is the schematic which shows the main structures of the "borrowing information prediction apparatus main body" of the "borrowing information prediction apparatus" of FIG. 3 is a schematic block diagram showing the main configuration of "first various information storage unit 30" to "third various information storage unit 50"; FIG. 3 is a schematic block diagram showing the main configuration of a first various information storage unit; FIG. It is a schematic block diagram which shows the main structures of a 2nd various information storage part. FIG. 11 is a schematic block diagram showing the main configuration of a third various information storage unit; It is a schematic flowchart which shows the main operation examples etc. of the borrowing information prediction apparatus 1. 5 is another schematic flow chart showing an example of main operations of the borrowing information prediction device 1, etc. FIG. FIG. 3 is a schematic explanatory diagram showing information such as the total amount of borrowings, monthly repayment amount, repayment period, etc., which is overall borrowing information.

BEST MODE FOR CARRYING OUT THE INVENTION Preferred embodiments of the present invention will now be described in detail with reference to the accompanying drawings.
It should be noted that the embodiments described below are preferred specific examples of the present invention, and therefore are subject to various technically preferable limitations. Unless otherwise stated, the invention is not limited to these modes.

FIG. 1 is a schematic diagram showing the appearance of a "borrowing information prediction device 1" according to an embodiment of the present invention.
As shown in FIG. 1, this device 1 includes a borrowing information prediction device main body 10, a "display 21" that displays various information as a display unit, a "keyboard 22" and a "mouse 23" that input various information. there is
Further, the borrowing information prediction apparatus main body 10 is provided with various data input units 13 for receiving information recording media such as CDs and acquiring data thereof.

Therefore, by inserting a CD or the like storing a program related to "borrowing information prediction" according to the present invention into the various data input unit 13 of the device 1 shown in FIG. It functions as a prediction device 1”.
In addition, the program related to "borrowing information prediction" according to the present invention may be acquired by the apparatus 1 through wireless communication other than a CD or the like, or may be stored in the borrowing information prediction apparatus body 10 in advance. do not have.

Each device 10, etc. of the cash flow information providing device 1 of FIG. connected through

FIG. 2 is a schematic diagram showing the main configuration of the "borrowing information prediction device body 10" of the "borrowing information prediction device 1" in FIG.
As shown in FIG. 1, the main body 10 has a control unit 11, and the control unit 11 controls a communication device 12 for communicating with an external device such as a display 21 and various data input units 13. ing.
Also, the display 21 , keyboard 22 and mouse 23 are connected to the communication device 12 so as to be able to communicate with each other.
Further, the control unit 11 also controls the first various data storage unit 30, the second various data storage unit 40, and the third various data storage unit 50 shown in FIG.

3 to 5 are schematic block diagrams showing the main configurations of the "first various information storage unit 30" to "third various information storage unit 50", respectively. These contents will be described later.

An operation example of the "borrowing information prediction device 1" according to the present embodiment will be described below.
In this embodiment, the manager of company A inputs financial institution transaction information of company A, such as passbook data, into the "borrowing information prediction device 1" in FIG. etc., and receive various alerts, etc., as an example.

7 and 8 are schematic flow charts showing an example of main operations of the borrowing information prediction device 1 and the like.
Hereinafter, description will be made along the flow charts of FIGS. 7 and 8. FIG.

First, the manager of A company stores the passbook data of A company in, for example, a CD, and inputs the data via the "various data storage unit 13" of the "borrowing information prediction apparatus main body 10" in FIG.
Then, this passbook data is stored in, for example, the "passbook data storage section 31" which is the financial institution transaction information storage section in FIG. 3 of the "borrowing information prediction apparatus main body 10".

FIG. 6 is a schematic explanatory diagram showing a part of, for example, "passbook data 31a", which is financial institution transaction information stored in the "passbook data storage unit 31" of FIG.
As shown in FIG. 6, the passbook data 31a includes item information of financial institution transaction information in the passbook of Company A, such as the date of deposit/withdrawal, whether it is deposit or withdrawal, their summary, amount, and the like. include.

Next, go to step (hereinafter referred to as "ST") 1. In ST1, for example, the repayment amount determination processing unit (program) 33 in FIG. 3, which is a borrowing-related item information generation processing unit, operates to refer to the "repayment amount display data storage unit 32" in FIG.
The repayment amount display data storage unit 32 stores "predetermined repayment amount display data". For example, "Borrowing", "Calibration", "Loan", "Using", "Lending on deed", "Lending on paper", "Lending on paper", "Filing", "Lending bill", "Lending on paper", "Lending on hand" , ``Tegashi,'' and names such as names of financial institutions are stored in advance as ``predetermined repayment amount display data''.

The storage unit 32 also stores information to the effect that when display data such as words include "excluded display data" such as "interest", it is not judged as "repayment amount". .

Therefore, the same processing unit 33 judges whether or not the display data (text) of the "summary" of the "passbook data 31a" in FIGS. 3 and 6 corresponds to the predetermined repayment amount display data in FIG. , if applicable, it is determined as borrowing-related item information, for example, "repayment amount" data, and is associated with the withdrawal date data, and is stored in the borrowing-related item information storage unit, for example, "repayment amount" in FIG. The data is stored in the data storage unit 34''.

Next, go to ST2. In ST2, the borrowing-related item information generation processing unit, for example, the interest determination processing unit (program) 36 in FIG. is predetermined interest display data stored in the "interest display data storage unit 35" of FIG. 3, such as "interest".
Then, if applicable, it is determined as borrowing-related item information, such as "interest" data, and is associated with the withdrawal date data, and is stored in the borrowing-related item information storage unit, such as "interest data storage" in FIG. 37”.

As described above, the borrowing information prediction device 1 can acquire the monthly interest data and the “repayment amount data”, which is the monthly repayment (borrowing) data.
Next, from these monthly "repayment amount data" and monthly "interest data", the overall borrowing calculation information necessary for predicting borrowings, such as "interest rate data for one year", "remaining debt amount data" and "remaining repayment period data”.

Then, proceed to ST3. In ST3, "interest rate data for one year" is generated. Specifically, for example, the “annual interest rate data generation processing unit (program) 42” in FIG. See the formula below.
That is, "annual interest rate data = (interest amount for n month - interest amount for n+1 month)/(repayment amount for n+1 month) x 12".

Then, the same processing unit (program) 42 refers to the "repayment amount data storage unit 34" in FIG. and substitute.
Also, referring to the "interest data storage unit 37" in FIG. 295 yen) is acquired and substituted.
Then, the "annual interest rate data" is obtained and stored in the "annual interest rate data storage section 43" of FIG.

In the above example, {(interest amount in February (295 yen)) - (interest amount in March (290 yen))} ÷
(Repayment amount in March (6000 yen)) x 12, the annual interest rate data is "1%", and this "1%" is stored in the "annual interest rate data storage unit 43".

In the present embodiment, the interest rate per month is calculated and multiplied by 12 for simplicity. number of days" (If the end of the month falls on a holiday, the payment will be made on the previous business day, so it can be calculated strictly by linking with the calendar function).

Next, go to ST4. In ST4, "n+1 month balance amount", for example, March balance amount is generated. Specifically, for example, the "residual bond amount data generation processing unit (program) 45" shown in FIG. Refer to the stored formula below.
That is, “(n+1 month balance amount)=(n+1 month interest amount)÷{(n month interest amount−n+1 month interest amount)÷(n+1 month repayment amount)}.

Then, the processing unit (program) 45 acquires the “repayment amount for n+1 month” from the “repayment amount data storage unit 34” in FIG. substitute.
Also, referring to the "interest data storage unit 37" in FIG. 295 yen) is acquired and substituted.
Then, the "annual interest rate data for the remaining amount of March" is obtained and stored in the "remaining amount data storage unit 46" of FIG.

In the above example, "interest amount in March (290 yen) ÷ {(interest amount in February (295 yen) - interest amount in March (290 yen)) ÷ repayment amount in March (6000 yen)}" , the "remaining debt amount in March" is "348,000 yen".

Next, go to ST5. In ST5, the "remaining repayment period data" of the loan is generated.
Specifically, for example, the "remaining repayment period data generation processing unit (program) 51" in FIG. See the following formula stored in .
That is, it is "(n+1 month's balance amount)/(n+1 month's repayment amount)".

Then, the processing unit (program) 51 acquires the “n+1 month balance amount” from the “balance amount data storage unit” in FIG. ,substitute.
In addition, the "repayment amount for n+1 month", for example, the March repayment amount "6,000 yen", is obtained from the "repayment amount data storage unit 34" in FIG. 3 and substituted.
Then, the "remaining repayment period data" is obtained and stored in the "remaining repayment period data storage unit 52" in FIG.

In the above example, "the amount of remaining debt in March (348,000 yen)/the amount of repayment in March (6,000 yen)", and the "remaining repayment period data" is "58 months".

As described above, "annual interest rate data", "remaining bond amount data" and "remaining repayment period data" can be generated.
Therefore, based on this information, it is possible to obtain information such as the total borrowing amount, monthly repayment amount, repayment period, etc. in the case of principal equal repayment, which accounts for the majority of corporate loans, as shown in FIG. .
In addition, as shown in FIG. 9, it is also possible to grasp the payment status of the interest on the borrowed money.
FIG. 9 is a schematic explanatory diagram showing information such as the total borrowing amount, monthly repayment amount, repayment period, etc., which is the overall borrowing information.

As shown in FIG. 9, the borrowing information prediction device 1 can accurately predict overall borrowing information simply by acquiring the user's passbook data 31a without receiving the borrowing details from the user.
In particular, since the overall borrowing information can be automatically generated from the passbook data 31a and the like, the borrowing information prediction device 1 according to the present embodiment is useful for users such as managers of small shops. It becomes a very user-friendly device.

Next, the borrowing information prediction device 1 is warning information about funds predicted with changes in the overall borrowing information based on the user's "all borrowing information" acquired in the above process. An alert is generated as necessary and displayed on the display 21 to notify the user.

(Alerts for fluctuations in share of borrowings at each bank with which user A company does business)
As shown in FIG. 9, the borrowing information prediction device 1 can grasp the borrowing amount of company A, the repayment status, etc., so that the present and future repayment amounts, etc. for each bank with which company A is doing business information can be obtained.
Therefore, the borrowing information prediction device 1 displays the borrowing amount, the borrowing balance, etc. for each bank with which the company has transactions side by side on the display 21 or the like, and when the borrowing amount is biased toward a specific bank, an alert is displayed. It is configured to be displayed on the display 21 or the like.

The manager of Company A, who sees this alert, can know in advance that the company's borrowing amount is biased toward a specific bank, and that it may become difficult to borrow from other banks in the future.

(Borrowing balance and monthly sales ratio alert)
The borrowing information prediction device 1 judges whether or not the balance of the loan of company A is less than 1 times the monthly sales of company A from the information shown in FIG. In addition, an alert is output to the display 21 or the like indicating that there is a need to raise funds.

That is, as described above, the borrowing information prediction device 1 compares the calculated "residual debt amount" of A company with separately acquired sales data, When it is determined that the amount of funds has become less than or equal to ", it is configured to output an alert to the display 21 or the like, assuming that there is a high possibility that there will be a shortage of funds in the near future.

Therefore, even the manager of company A who is overwhelmed by daily work and cannot check the accounting information can know in advance that there is a possibility that there will be a shortage of funds in the near future.

(Alerts for required working capital and balance of borrowings)
The borrowing information prediction device 1 calculates the "required working capital comparison" data, and when the balance of the borrowed money falls below, it determines that there is a need for financing, and outputs an alert to the display 21 or the like.
Here, the "required working capital comparison" data means the funds to compensate for the time lag from the purchase of the product, the sale, the collection of the product, and the receipt of the payment.
This "required working capital comparison" data tends to increase when company A's sales tend to increase. When it is determined that the outstanding balance exceeds a predetermined range or more, an alert is output to the display 21 or the like, indicating that there is a need for sound financing.

Therefore, even a manager of company A who is overwhelmed with daily work and cannot confirm accounting information can know in advance that there is a possibility of a shortage of funds in the near future.

In the present embodiment described above, the case where it is realized as a device has been described as an example, but the present invention is not limited to this, and the program that can be executed by a computer is a magnetic disk (floppy (registered (trademark) disk, hard disk, etc.), optical disk (CD-ROM, DVD, etc.), magneto-optical disk (MO), semiconductor memory, or other storage medium.

Also, the storage medium may be any storage medium that can store the program and is readable by the computer. The storage format of the storage medium is not particularly limited.

In order to realize this embodiment, the OS (operating system) running on the computer based on the instructions of the program installed in the computer from the storage medium, the MW (middleware) such as database management software, network software, etc. You may perform a part of each process of .

Furthermore, the storage medium in the present invention is not limited to a medium independent of a computer, and includes a storage medium in which programs transmitted via LAN, Internet, etc. are downloaded and stored or temporarily stored.

Further, the computer in the present invention may execute each process in the present embodiment based on a program stored in a storage medium, and may be a device consisting of a single personal computer or the like, or a plurality of devices connected to a network. It may be a system or the like.

In addition, the computer in the present invention is not limited to a personal computer, but includes arithmetic processing units, microcomputers, etc. included in information processing equipment, and collectively refers to equipment and devices capable of realizing the functions of the present invention by means of a program. ing.

The embodiments of the present invention have been described above. However, the present invention is not limited to the above embodiments, and various modifications can be made without departing from the scope of the claims. Some of the configurations of the above embodiments may be omitted, or may be arbitrarily combined in a manner different from the above.

1 Borrowing information prediction device 10 Borrowing information prediction device body 11 Control unit 12 Communication device 13 Various data input unit 21 Display 22 Keyboard 23 Mouse 30 First various data storage unit 31 Passbook data storage unit 31a Passbook data 32 Repayment amount display data storage unit 33 Repayment amount determination processing unit (program) 34 Repayment amount data storage unit 35 Interest display data storage unit 36 Interest determination processing unit (program) 37 Interest data Storage section 40... Second various data storage section 41... Annual interest rate data calculation storage section 42... Annual interest rate data generation processing section (program) 43... Annual interest rate data storage section 44... Balance data calculation and storage section 45... Balance data generation processing section (program) 46... Balance data storage section 47... Remaining repayment period data calculation and storage section , 50 . . . Third various data storage unit 51 .

Claims (4)

A borrowing information prediction device that predicts the entire borrowing amount information without receiving the entire borrowing amount information for equal principal repayment known to the user from the user ,
a financial institution transaction information storage unit that stores financial institution transaction information;
a borrowing-related item information generation processing unit that extracts repayment amount data and interest data related to the overall borrowing amount information from the financial institution transaction information and stores them in a borrowing-related item information storage unit;
an overall borrowing calculation basic information generation processing unit that generates interest rate data, remaining bond amount data, and remaining repayment period data based on the repayment amount data and the interest data,
A borrowing information prediction device, wherein the borrowing information prediction apparatus is configured to predict and generate the overall borrowing amount information based on the interest rate data, the remaining debt amount data, and the remaining repayment period data. 2. The borrowing information prediction according to claim 1, wherein the funds predicted based on the overall borrowing amount information are balance data, and are compared with corresponding monthly sales data to generate and output warning information. Device. A control method for a borrowing information prediction device that predicts the entire borrowing amount information without receiving the entire borrowing amount information for equal principal repayment known to the user from the user,
storing financial institution transaction information in a financial institution transaction information storage unit;
extracting repayment amount data and interest data related to the overall borrowing amount information from the financial institution transaction information and storing them in a borrowing-related item information storage unit;
generating interest rate data, remaining bond amount data and remaining repayment period data based on the repayment amount data and the interest data;
A control method for a borrowing information prediction device, wherein the overall borrowing amount information is predicted and generated based on the interest rate data, the remaining debt amount data, and the remaining repayment period data. A borrowing information prediction device that predicts the entire borrowing amount information from the user without receiving the entire borrowing amount information for equal principal repayment known to the user,
A function to store financial institution transaction information in the financial institution transaction information storage unit;
A function of extracting repayment amount data and interest data related to the overall borrowing amount information from the financial institution transaction information and storing them in a borrowing-related item information storage unit;
A function of generating interest rate data, remaining bond amount data and remaining repayment period data based on the repayment amount data and the interest data;
A borrowing information prediction program characterized by executing a function of predicting and generating the overall borrowing amount information based on the interest rate data, the remaining bond amount data, and the remaining repayment period data. .

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