JP7269022B2 - Interest calculation device, interest calculation method and interest calculation program - Google Patents

Description

The present invention relates to an interest calculation device, an interest calculation method and an interest calculation program.

In Patent Document 1, when repayment is not made as agreed due to the economic circumstances of the borrower during the collection period of the loan, the collection state of the collection results obtained by various collection methods is used to calculate the collected interest using a single logical expression. , and a logical calculation method of interest is disclosed that can perform quick and accurate recovery calculations for all recovery states.

JP-A-4-143861

In this way, in Patent Document 1, when repayment is not made as agreed during the loan collection period, the collection state of the results of collection by various collection methods is expressed using a single logical expression. is calculated to perform recovery calculations for all recovery states. However, in Patent Document 1, when repayment is performed as agreed, if the content related to interest calculation changes within the interest calculation period on the same repayment date, the interest calculation formula is changed accordingly to calculate the interest. was not disclosed until now.

The present invention has been made in view of the above. To provide an interest calculation device, an interest calculation method, and an interest calculation program capable of appropriately calculating interest using an interest calculation formula corresponding to the content of the change even if a change is made.

In order to solve the above-described problems and achieve the object, an interest calculation device according to the present invention is an interest calculation device comprising a control section for calculating interest on a repayment schedule created based on loan conditions. , the control unit includes a loan condition creating means for creating loan conditions for lending from a lending company to a loanee company, and a repayment schedule for creating a repayment schedule for the loanee company to make repayments based on the loan conditions. When the schedule preparation means and the repayment schedule are prepared, if the contents related to interest calculation are changed within the interest calculation period of the same repayment date, the interest calculation formula is divided for each period with different contents related to interest calculation. and interest calculation means for creating repayment data of the repayment schedule, wherein the interest calculation means uses a repayment flag to output a form when there are multiple details of data on the same repayment date. It is characterized by determining the details and registering the total value of interest calculated on the same repayment date in the details.

Further, the interest calculation device according to the present invention is characterized in that the interest calculation means performs interest calculation by selecting either daily calculation or monthly calculation as the interest calculation classification.

Further, in the interest calculation device according to the present invention, the interest calculation means calculates a leap year and a leap year within the interest calculation period on the same repayment date, assuming that the contents related to interest calculation are changed within the interest calculation period on the same repayment date. If there is a mixture of other than the above, if there is a mixture of daily and monthly calculations within the interest calculation period of the same repayment date, or if the interest rate change date is other than the contract date.

Further, an interest calculation method according to the present invention is an interest calculation method executed by an interest calculation device having a control unit for calculating interest on a repayment schedule created based on loan terms, wherein the control unit A loan conditions creation step of creating loan terms for the lending company to lend to the borrowed company, and a repayment schedule for creating a repayment schedule for the loanee company to make repayments based on the loan conditions, which are executed. In the creation step and at the time of creating the repayment schedule, if the contents related to interest calculation are changed within the interest calculation period of the same repayment date, the interest calculation formula is divided for each period with different contents related to interest calculation. , an interest calculation step of creating repayment data of the repayment schedule, and in the interest calculation step, when there are a plurality of repayment data on the same repayment date, the repayment flag is used to select the details to be output as a form. and registering the total value of interest calculated on the same repayment date in the particulars .

Further, an interest calculation program according to the present invention is an interest calculation program to be executed by an interest calculation device having a control unit for calculating interest on a repayment schedule created based on loan terms, wherein the control unit a loan condition creation step of creating loan conditions for making a loan from a lending company to a loanee company; In the schedule creation step and the creation of the repayment schedule, if the contents related to interest calculation are changed within the interest calculation period of the same repayment date, the interest calculation formula is divided for each period with different contents related to interest calculation. and an interest calculation step of creating repayment data of the repayment schedule, and in the interest calculation step, when there are multiple details of data on the same repayment date, a repayment flag is used to output a form. It is characterized by determining the details and registering the total value of interest calculated on the same repayment date in the details .

According to the present invention, when creating a repayment schedule in which the borrowed company makes repayments based on the loan conditions, even if the contents related to interest calculation are changed within the interest calculation period on the same repayment date, the changed contents will not be changed. There is an effect that the interest can be properly calculated using the corresponding interest calculation formula.

FIG. 1 is a block diagram showing an example of the configuration of the interest calculation device according to this embodiment. FIG. 2 is a schematic diagram showing an example of the relationship between a lending company that conducts loan business and a loanee company. FIG. 3 is a diagram showing an example of a loan repayment schedule. FIG. 4 is a flowchart showing an example of a main routine showing the flow of processing of the interest calculation device according to this embodiment. FIG. 5 is a flow chart showing an example of a subroutine showing the flow of processing for creating a repayment schedule shown in FIG. FIG. 6 is a diagram showing an example of the definition of interest calculation. FIG. 7 is a diagram showing a comparative example of interest calculation when the contents related to interest calculation are changed within the interest calculation period. FIG. 8 is a diagram illustrating an example of a data structure for interest calculation in a comparative example. FIG. 9 is a diagram showing an example of the data structure for interest calculation in this embodiment. FIG. 10 is a diagram showing an example of a loan application data registration screen for calculating a leap year. FIG. 11 is a diagram showing an example of leap year calculation on the registration screen of FIG. FIG. 12 is a diagram showing an example of a loan application data registration screen for initial fraction calculation of monthly interest. FIG. 13 is a diagram showing an example of initial fractional calculation of monthly interest on the registration screen of FIG. FIG. 14 is a diagram showing an example of an interest rate change screen at the time of interest rate change. FIG. 15 is a diagram showing an example of interest rate change calculation on the interest rate change screen of FIG.

An embodiment of the present invention will be described in detail based on the drawings. In addition, this invention is not limited by this embodiment.

[1. overview]
In the past, even if the interest calculation figures changed within one repayment period, only calculations that were fixed to specific values could be performed. For example, when calculating interest on repayments for the period from December 28, 2012 to January 25, 2013 (2012 is a leap year), the annual rate was previously calculated based on 365 days, but the annual rate was calculated only for the period of 2012. The need to calculate based on 366 days could not be met.

Therefore, in the embodiment of the present invention, interest calculation can be performed by mixing multiple calculation formulas within the interest calculation period. For example, in calculating interest on repayments for the period from 12/28/2012 to 1/25/2013 (2012 is a leap year), the annual rate is calculated based on 366 days from 12/28/2012 to 12/31/2013. , 2013/1/1 to 2013/1/25 calculate the annual rate based on 365 days. In this way, it is possible to manage whether or not to mix a plurality of calculation formulas by master setting. As a result, it is possible to reduce customization related to interest calculation, eliminate the need for the user to manually create a repayment schedule, and improve work efficiency.

[2. composition]
An example of the configuration of the interest calculation device according to this embodiment will be described with reference to FIG. FIG. 1 is a block diagram showing an example of the configuration of the interest calculation device according to this embodiment.

The interest calculation device 100 is a commercially available desktop personal computer. Note that the interest calculation device 100 is not limited to a stationary information processing device such as a desktop personal computer, and may be a portable type such as a commercially available notebook personal computer, PDA (Personal Digital Assistants), a smart phone, or a tablet personal computer. It may be an information processing device.

The interest calculation device 100 includes a control section 102 , a communication interface section 104 , a storage section 106 and an input/output interface section 108 . Each unit included in interest calculation device 100 is communicably connected via an arbitrary communication path.

The communication interface unit 104 communicably connects the interest calculation device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with another device via a communication line. Here, the network 300 has a function of connecting the interest calculation device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for performing various processes by giving commands to a CPU (Central Processing Unit) in cooperation with an OS (Operating System). As the storage unit 106, for example, memory devices such as RAM (Random Access Memory) and ROM (Read Only Memory), fixed disk devices such as hard disks, flexible disks, and optical disks can be used. Here, the storage unit 106 includes a loan application data table 106a, a repayment schedule data table 106b, a calendar master 106c, and the like.

The loan application data table 106a is a table in which the lending company acquires and registers the loan application data applied for by the borrowed company. In the loan application data table 106a, in the lending business of the lending company, the lending company considers the creditworthiness and collateral value of the borrowed company based on the acquired loan application data, and prepares loan conditions and a repayment schedule based thereon. When the lending company makes a loan to the borrowed company, the borrowed company makes repayments according to the repayment schedule. The loan application data table 106a stores loan application data that is the basis for creating loan conditions and a repayment schedule. For example, the loan application data stored in the loan application data table 106a may be a "split calculation" that separates leap years from non-leap years when calculating interest set on the loan application data registration screen shown in FIG. Set value of "interest calculation leap year judgment classification" to set "365 days fixed" to calculate interest on 365 days regardless of whether or not to calculate interest on "daily" or "monthly basis" There is a set value of the "interest calculation classification".

The repayment schedule data table 106b is based on the loan application data stored in the loan application data table 106a, and includes loan conditions under which the lending company can finance the loanee company and the loanee company's repayment schedule based on the loan conditions. This is a table for registering the data of the repayment schedule to be performed. For example, the items of loan conditions in the "loan repayment schedule" shown in FIG. Bonus)”, “Total Repayment Amount”, “Debit Bank”, “Repayment Method”, “Interest Payment Method”, “Contract Date”, “Bonus Month”, “Number of Monthly Repayments”, “Number of Bonus Repayments”, “ First repayment date, final repayment date, loan interest rate, real interest rate, monthly repayment amount, bonus repayment amount, revenue stamp fee, administrative fee, other fees, etc. There is Also, as items of the scheduled repayment shown in FIG. ”, “loan balance”, and “annual rate”. In particular, the "interest repayment amount" to be repaid is an item that is often customized when introducing a loan system, since each company has different needs for interest calculation methods. Therefore, in this embodiment, by increasing the number of realizable calculation patterns, it becomes possible to meet more needs and introduce the system without customization. For example, the loan terms and repayment schedule data stored in the repayment schedule data table 106b include "interest rate change date" that can be set on the interest rate change screen shown in FIG. Since the interest is calculated separately, it is now possible to enter the interest rate change date on a date other than the contract date.

The calendar master 106c holds calendar data, and is a master that can confirm whether or not a leap year or a period other than a leap year is included in the interest calculation period of the same repayment date. For example, as shown in FIG. 7, if the interest calculation period for the same repayment date is 2012/12/28 to 2013/1/25, by referring to the calendar master 106c for this period, 2012 is a leap year. There are 366 days in a year, and since 2013 is not a leap year, it turns out that there are 365 days in a year. For this reason, when calculating interest based on the daily prorated contract shown in FIG. It is possible to automatically determine whether the interest calculation period for the same repayment date is divided into a leap year and a period other than a leap year, and to calculate the interest.

An input device 112 and an output device 114 are connected to the input/output interface section 108 . The output device 114 can be a monitor (including a home television), a speaker, or a printer. The input device 112 can be a keyboard, a mouse, a microphone, or a monitor that cooperates with the mouse to provide a pointing device function. Note that, hereinafter, the output device 114 may be referred to as the monitor 114 and the input device 112 may be referred to as the keyboard 112 or the mouse 112 .

The control unit 102 is a CPU or the like that comprehensively controls the interest calculation device 100 . The control unit 102 has an internal memory for storing a control program such as an OS, a program defining various processing procedures, required data, and the like, and performs various information processing based on these stored programs. Execute. Here, the control unit 102 functionally and conceptually includes a loan condition creation unit 102a as a loan condition creation unit, a repayment schedule creation unit 102b as a repayment schedule creation unit, an interest calculation unit 102c as an interest calculation unit, and the like. I have.

The loan condition preparation unit 102a prepares loan conditions for financing from the lending company to the financed company. In the lending business of a lending company, when a loan application is received from a borrowing company, the loan application data is acquired and registered, and as shown in Fig. 2, loan terms that can be financed are created based on the loan application data. do. For example, as shown in FIG. 3, items of the loan conditions to be created include "contract number", "contractor name", "product name", "loan date", and "loan amount (monthly portion, bonus portion)". , “total repayment amount”, “withdrawal bank”, “repayment method”, “interest payment method”, “contract date”, “bonus month”, “monthly repayment number”, “bonus repayment number”, “first repayment date” , “Final repayment date”, “Loan interest rate”, “Real interest rate”, “Monthly repayment amount”, “Bonus repayment amount”, “Revenue stamp fee”, “Administrative fee”, “Other fees”, etc.

The repayment schedule preparation unit 102b prepares a repayment schedule for repayment by the funded company based on the prepared loan conditions. As shown in FIG. 2, the lending company prepares a repayment schedule based on the created loan terms and presents it to the borrowed company, and when the borrowed company agrees to the terms, the loan is executed. The borrower makes repayments in accordance with the agreed loan terms and repayment schedule. For example, as shown in FIG. 3, the items of the repayment schedule include "number of repayments", "scheduled repayment date", "bonus", "total repayment amount", "principal repayment amount", and "interest repayment amount". ”, “commission repayment amount”, “loan balance”, “interest rate”, and the like.

The interest calculation unit 102c calculates interest for each interest calculation period of the same repayment date when creating a repayment schedule. A feature of the interest calculation unit 102c in the present invention is that, when the contents related to interest calculation change within the interest calculation period of the same repayment date, the interest calculation formula is divided for each period with different contents related to interest calculation. , to create the repayment data of the repayment schedule. For example, as an example of changing the contents related to interest calculation within the interest calculation period, (1) as shown in FIG. ” is “0” (daily rate), and the number of days per year in the denominator of the interest calculation formula in the daily rate contract shown in FIG. 6 is different between leap years and non-leap years, (2) as shown in FIG. If the “interest calculation category” is “1” (monthly), but the period from the loan date to the first repayment date is longer than one month, and the period less than one month is calculated on a daily basis, see Figure (3). As shown in 14, there are cases where the interest rate change date is other than the contract date, but other cases are possible.

[3. Concrete example]
As for a specific example of the present embodiment, an example of the processing of the interest calculation device 100 according to the present embodiment will be specifically described with reference to FIGS. 2 to 15. FIG. FIG. 2 is a schematic diagram showing an example of the relationship between a lending company that conducts loan business and a loanee company. FIG. 3 is a diagram showing an example of a loan repayment schedule. FIG. 4 is a flowchart showing an example of a main routine showing the flow of processing of the interest calculation device according to this embodiment. FIG. 5 is a flow chart showing an example of a subroutine showing the flow of processing for creating a repayment schedule shown in FIG. FIG. 6 is a diagram showing an example of the definition of interest calculation. FIG. 7 is a diagram showing a comparative example of interest calculation when the contents related to interest calculation are changed within the interest calculation period. FIG. 8 is a diagram illustrating an example of a data structure for interest calculation in a comparative example. FIG. 9 is a diagram showing an example of the data structure for interest calculation in this embodiment. FIG. 10 is a diagram showing an example of a loan application data registration screen for calculating a leap year. FIG. 11 is a diagram showing an example of leap year calculation on the registration screen of FIG. FIG. 12 is a diagram showing an example of a loan application data registration screen for initial fraction calculation of monthly interest. FIG. 13 is a diagram showing an example of initial fractional calculation of monthly interest on the registration screen of FIG. FIG. 14 is a diagram showing an example of an interest rate change screen at the time of interest rate change. FIG. 15 is a diagram showing an example of interest rate change calculation on the interest rate change screen of FIG.

[Process flow]
First, as shown in FIG. 2, when a loanee company wishes to receive a loan from a loan company, the loanee company applies for a loan to the loan company. As shown in FIG. 4, the loan condition preparation unit 102a of the interest calculation device 100 of the loan company acquires the loan application data applied for by the loanee company (step S1), and registers it in the loan application data table 106a ( step S2).

The loan condition preparation unit 102a of the interest calculation device 100 of the loan company first prepares the loan conditions based on the registered loan application data, taking into account the creditworthiness and collateral value of the loanee company (step S3).

Subsequently, the repayment schedule creation unit 102b of the interest calculation device 100 creates a repayment schedule based on the created loan conditions (step S4). For example, when creating the repayment schedule, the repayment schedule creation unit 102b determines the number of repayments based on the loan conditions shown in FIG. Create a “bonus” that shows the planned “number of times” and “scheduled repayment date” and the details of the bonus repayment (displayed with “○”). Create the “total repayment amount” of the scheduled repayment, create the “interest repayment amount” of the scheduled repayment based on the interest calculation formula (daily, monthly) of the “repayment method” of the loan terms, and create the above “total repayment amount” The remaining amount obtained by subtracting the "interest repayment amount" from the principal amount is defined as the "principal repayment amount", and the remaining amount obtained by subtracting the "principal repayment amount" from the principal amount is used to create the "loan balance". It should be noted that the interest calculation of the "interest repayment amount" shown in FIG. It is also possible to correspond to

In this way, when the repayment schedule creation unit 102b creates the repayment schedule, the interest calculation unit 102c calculates the "interest repayment amount". As shown in FIG. 5, the interest calculation unit 102c divides the interest calculation period for each changed period when the contents related to interest calculation are changed within the interest calculation period of the same repayment date (Yes in step S5). Then, interest is calculated using the interest calculation formula for each period (step S6). Then, the calculated interest for each divided period is added up (step S7), and the interest is billed for the interest calculation period on the same repayment date (step S8).

On the other hand, if there is no change in the contents related to interest calculation within the interest calculation period of the same repayment date (No in step S5), the interest calculation unit 102c calculates the interest within the interest calculation period using one interest calculation formula. Calculation is performed (step S9), and the result is used as the interest billed (step S8).

[Interest calculation within the interest calculation period on the same repayment date]
For example, if the interest calculation period for the same repayment date is from December 28, 2012 to January 25, 2013, as shown in FIG. The number of days in a leap year and the number of days in a non-leap year are mixed. In the comparative example of FIG. 7, when interest is calculated on a per diem basis, the period from December 28, 2012 to December 31, 2012 is a leap year, so the number of days per year is 366, and January 1, 2013 Since the period from January 25, 2013 to January 25, 2013 is not a leap year, the number of days in a year is 365 days. As a result, the data structure of the interest calculation in the comparative example is as shown in FIG. )” is calculated as “365 days”.

However, depending on the lending company, there is a need to calculate interest strictly based on the annual rate of 366 days for the period from December 28, 2012 to December 31, 2012 in the leap year, but it was not possible to meet the needs. . As mentioned above, (1) if there are both leap years and non-leap years in the interest calculation period, and (2) if there are both daily and monthly calculations in the interest calculation period on the same repayment date, Alternatively, (3) if the interest rate change date is other than the contract date, it can be enumerated as an example in which the contents related to interest calculation change within the interest calculation period of the same repayment date. In that case, the interest calculation period will be divided into periods in which the contents related to interest calculation have been changed, interest will be calculated using the interest calculation formula for each period, and the calculated interest will be totaled to determine the claimed interest.

[When there are both leap years and non-leap years in the interest calculation period]
The interest calculation unit 102c calculates the interest charged when the repayment schedule creation unit 102b creates the repayment schedule. On the loan application data registration screen shown in FIG. 10, the operator inputs data such as "bond number", "loan date", "loan amount", "first repayment date", and "scheduled number of repayments". Enter "0: divided calculation" or "1: fixed for 365 days" as the "interest calculation leap year determination classification", and "0: daily proration" or "1: monthly proration" as the "interest calculation classification". In the case of FIG. 10, set the "interest calculation leap year judgment classification" to "0: split calculation", set the "interest calculation classification" to "0: daily rate", and press the repayment schedule creation button B1.

The repayment schedule creation unit 102b creates a monthly repayment schedule for the number of scheduled repayments from the first repayment date while calculating interest. The interest calculation unit 102c refers to the calendar master 106c, and if all the interest calculation periods for the scheduled repayment are leap years (the "repayment date" in FIG. 11 is "2012/12/27"), the annual rate calculation has 366 If all the calculations are made in days and it is not a leap year (“repayment dates” in FIG. 11 are “2013/2/27” and “2013/3/27”), the number of days in a year for annual rate calculation is calculated as 365 days. In this case, a repayment schedule for one interest calculation period is created with one item.

In addition, the interest calculation unit 102c includes a leap year and a period other than a leap year in the interest calculation period (2012/12/27 to 2013/1/25) on the same repayment date of the scheduled repayment to be created. When "0: split calculation" is selected in the "interest calculation leap year judgment division" shown, the annual rate is calculated by dividing the repayment schedule into the following periods (a) and (b).
(b) From January 1 of the same year as the “completion end date” to “completion end date” “2013” /1/27”, two specifications are created by calculating the calculated interest in the periods divided into (a) and (b) in FIG. 11, respectively. As a structure for managing a plurality of data for the same repayment date (2013/1/25), in this embodiment, a "repayment flag" shown in FIG. 11 is prepared. This "repayment flag" is an item that determines the details to be output in a form when there are multiple details of data for the same repayment date. In other words, the details with "repayment flag" = "0" are not subject to form output, but the details with "repayment flag" = "1" are subject to form output. ”=“1”, “1005”, which is the total value of the “calculated interest”, is recorded in the details of the “repayment flag”=“1” as the “claimed interest” for the same repayment date. FIG. 9 shows an example data structure in which the above interest calculation is performed for one year.

As described above, the interest calculation device 100 according to the present embodiment includes a leap year and a period other than a leap year in the interest calculation period of the same repayment date, and the "interest calculation leap year judgment classification" is "0: split calculation". is selected, the interest calculation period can be divided into leap years and non-leap years to automatically calculate interest in more detail, and the repayment schedule can be output smoothly.

[In the case of initial fractional interest calculation in a monthly contract]
The repayment schedule is created by calculating the monthly repayment schedule for the number of scheduled repayments from the first repayment date while calculating the interest. The operator inputs data such as "bond number", "loan date", "loan amount", "first repayment date", and "scheduled number of repayments" on the loan application data registration screen shown in FIG. Enter "0: split calculation" as the "interest calculation leap year determination classification", enter "0: daily proration" or "1: monthly proration" as the "interest calculation classification", and press the repayment schedule creation button B1. In FIG. 12, for example, when "0: prorated" is selected for the "interest calculation division", the first repayment schedule is calculated on a per diem basis, so the repayment schedule is created in one detail.

Also, as shown in FIG. 12, for example, if "1: Monthly pro-rata" is selected for the "interest calculation classification" and the period from the loan date to the first repayment date is less than one month, the first repayment schedule will be calculated on a per-diem basis. Therefore, in this case also, a repayment schedule is created with one item (step S9 in FIG. 5).

Furthermore, as shown in Fig. 12, if "1: monthly installment" is selected for the "interest calculation division" and the period from the loan date to the first repayment date is longer than one month, the first repayment schedule will be divided into two periods. to calculate interest. That is, as shown in FIG. 13, since the “loan date (calculation start date)” is “May 2, 2012” to the “first repayment date” is “June 27, 2012”, the “interest calculation classification” is set to “1”. : Even if it is set as monthly rate, the daily rate is calculated for "2012/5/2" to "2012/5/27", which is less than one month, and the remaining "2012/5/28" to "2012/6/ 27” is calculated on a monthly basis. In this way, when the contents related to interest calculation change within the interest calculation period of the same repayment date (daily calculation and monthly calculation), the interest calculation unit 102c according to the present embodiment Calculation is performed by dividing the interest calculation formula into Therefore, the repayment schedule in this case is created with two details as shown in FIG. "77282", which is the total value of the "calculated interest" with "flag" = "1", is recorded in the "repayment flag" = "1" statement as the "claimed interest" on the same repayment date.

In this way, even when "1: monthly installment" is selected as the "interest calculation classification", the interest calculation device 100 according to the present embodiment can calculate the interest calculation within one month if the period from the loan date to the first repayment date is longer than one month. Since the daily calculation is performed for the period less than 1 month, and the monthly calculation is performed for the remaining one month, more detailed interest calculation can be automatically performed, and the repayment schedule can be output smoothly.

[If the interest rate change date is other than the trade date]
In preparing the repayment schedule, as shown in the flow of FIG. 4, the loan application data is obtained from the borrowed company (step S1), registered in the loan application data table 106a (step S2), and the loan conditions are prepared. (Step S3) and create a repayment schedule (Step S4). If there is a change in the interest rate after the execution of the loan, the loan interest rate may be changed, and the repayment schedule is recreated according to the change in the interest rate.

The operator inputs data such as "bond number", "interest rate change date", and "interest rate after change" on the interest rate change screen shown in FIG. 14, and presses the repayment schedule creation button B2. As for the "interest rate change date" in the interest rate change screen of FIG. 14, it was not possible to enter a date other than the contract date. Even if you enter it as "day", if the contents related to interest calculation change within the interest calculation period of the same repayment date, the interest calculation formula will be divided for each period with different contents related to interest calculation. You can recreate your calendar.

First, if you enter the same date as the contract date for the “interest rate change date” on the interest rate change screen in Fig. 14, the interest rate will change from the start date of the interest calculation period as before, so the repayment schedule will be created with one item. (Step S9 in FIG. 5).

On the other hand, if the "interest rate change date" on the interest rate change screen in FIG. Calculate interest for each period by dividing it into two periods and calculating interest based on the interest rate for each period. For example, if the “interest rate change date” is “2010/6/16”, the interest calculation unit 102c sets the interest calculation period from “2010/6/2” to “2010/7/1” to (c) “2010/ 6/2” to “2010/6/15” and (d) “2010/6/16” to “2010/7/1” period, and the “interest rate (annual rate )” is calculated with “5.00000%”, the “calculated interest” is “1532”. , "1716" (step S6 in FIG. 5).

Subsequently, the interest calculation unit 102c adds up the "calculated interest" of the two specifications (step S7) to obtain the "claimed interest" "3248" for the interest calculation period on the same repayment date (step S8). The interest calculation unit 102c records this "charged interest" in the details of the "repayment flag" = "1".

As described above, the interest calculation device 100 according to the present embodiment divides the interest rate into two periods before and after the interest rate change even when a date other than the contract date is entered as the "interest rate change date". By calculating the interest based on the interest rate and adding up the "calculated interest", it is possible to obtain the "billed interest", so it is possible to automatically calculate more detailed interest and output the repayment schedule smoothly. be able to.

As described above, according to the interest calculation device 100 according to the present embodiment, when the lending company creates a repayment schedule in which the borrowed company repays based on the loan conditions, the interest calculation period for the same repayment date Even if the contents related to interest calculation are changed in the system, appropriate interest calculation can be automatically performed by using the interest calculation formula according to the changed contents.

In particular, according to the interest calculation device 100 according to the present embodiment, when the contents related to interest calculation change within the interest calculation period on the same repayment date, leap years and non-leap years coexist within the interest calculation period on the same repayment date. Even if the interest calculation period for the same repayment date mixes daily and monthly calculations, or if the interest rate change date is set to a date other than the contract date, the interest calculation period will be changed to include interest calculation By dividing the interest calculation formula for each changing period and adding them up, more detailed interest calculation can be automatically performed, and a repayment schedule can be output smoothly.

In addition, according to the interest calculation device 100 according to the present embodiment, the interest calculation is performed using the interest calculation formula for each period obtained by dividing the interest calculation period. By using it to determine the details to be output as a form and registering the total value of interest calculated on the same repayment date in the details, it is possible to output one repayment schedule for each interest calculation period. In a general data structure, tables are divided into detailed data with multiple interest calculations and summary data that totals interest for each repayment date. However, in the interest calculation device 100 according to the present embodiment, due to the nature of the scheduled repayment data, the number of data records is large and the details of interest calculation are rarely divided. , the increase in data storage cost is suppressed by operating using the repayment flag.

In addition, according to the interest calculation device 100 according to the present embodiment, the "interest calculation leap year determination classification" is used to divide the leap year and the period other than the leap year to perform the interest calculation in a "divided calculation", or to determine whether it is a leap year or not. Regardless of the number of days in a year, you can set whether to always calculate interest with 365 days as "365 days fixed", or set whether to use "daily calculation" or "monthly calculation" depending on the "interest calculation classification". By setting it, it is possible to automatically calculate the interest that meets the needs of the lending company.

[4. Other embodiments]
The present invention may be implemented in various different embodiments other than the embodiments described above within the scope of the technical idea described in the claims.

For example, among the processes described in the embodiments, all or part of the processes described as being automatically performed can be manually performed, or all of the processes described as being manually performed Alternatively, some can be done automatically by known methods.

In addition, unless otherwise specified, the processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings can be changed arbitrarily.

Also, with respect to the interest calculation device 100, each illustrated component is functionally conceptual, and does not necessarily need to be physically configured as illustrated.

For example, the processing functions of the interest calculation device 100, particularly the processing functions performed by the control unit 102, are implemented in whole or in part by a CPU and a program interpreted and executed by the CPU. Alternatively, it may be implemented as hardware using wired logic. The program is recorded on a non-temporary computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processing described in this embodiment, and if necessary, the interest calculation device 100 mechanically read. That is, a storage unit such as a ROM or HDD (Hard Disk Drive) stores a computer program for giving commands to the CPU in cooperation with the OS to perform various processes. This computer program is executed by being loaded into the RAM, and constitutes the control section 102 in cooperation with the CPU.

In addition, this computer program may be stored in an application program server connected to the interest calculation device 100 via any network, and it is possible to download all or part of it as necessary. be.

Also, the program for executing the processing described in this embodiment may be stored in a non-temporary computer-readable recording medium, or may be configured as a program product. Here, the term "recording medium" refers to memory cards, USB (Universal Serial Bus) memories, SD (Secure Digital) cards, flexible disks, magneto-optical disks, ROMs, EPROMs (Erasable Programmable Read Only Memory), EEPROMs (registered trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), DVD (Digital Versatile Disk), and Blu-ray (registered trademark) Disc, etc. shall include any "portable physical medium".

A "program" is a data processing method written in any language or writing method, regardless of the format such as source code or binary code. In addition, the "program" is not necessarily limited to a single configuration, but is distributed as multiple modules or libraries, or cooperates with a separate program represented by the OS to achieve its function. Including things. It should be noted that well-known configurations and procedures can be used for the specific configuration and reading procedure for reading the recording medium in each device shown in the embodiments, the installation procedure after reading, and the like.

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

Interest calculation 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 arbitrary peripheral devices are connected. Further, the interest calculation device 100 may be realized by installing software (including programs, data, etc.) for realizing the processing described in the present embodiment in the information processing device.

Furthermore, the specific form of distribution and integration of the device is not limited to the one shown in the figure, and all or part of it can be functionally or physically arranged in arbitrary units according to various additions or functional additions. It can be distributed and integrated. In other words, the embodiments described above may be arbitrarily combined and implemented, or the embodiments may be implemented selectively.

INDUSTRIAL APPLICABILITY The present invention is applicable to any industry because it can be applied to management of repayment schedules of borrowed money, but is particularly useful in the financing industry that performs interest calculations essential for the development of financial products.

100 Interest calculation device 102 Control unit 102a Financing condition preparation unit 102b Repayment schedule preparation unit 102c Interest calculation unit 104 Communication interface unit 106 Storage unit 106a Loan application data table 106b Repayment schedule data table 106c Calendar master 108 Input/output interface unit 112 Input device (keyboard)
114 output device (monitor)
200 Server 300 Network

Claims (5)

An interest calculation device comprising a control unit for calculating interest on a repayment schedule created based on loan conditions,
The control unit
a loan condition creating means for creating loan conditions for lending from a lending company to a borrowed company;
repayment schedule creating means for creating a repayment schedule for repayment by the funded company based on the loan conditions;
At the time of preparing the repayment schedule, if the contents related to interest calculation are changed within the interest calculation period of the same repayment date, the interest calculation formula will be divided for each period with different contents related to interest calculation, and the repayment schedule will be calculated. interest calculation means for creating tabular repayment data ;
When there are multiple details of data on the same repayment date, the interest calculation means uses a repayment flag to determine details to be output in a form, and registers the total value of interest calculated on the same repayment date in the details.
An interest calculation device characterized by : The interest calculation means is
To calculate interest by selecting either daily calculation or monthly calculation as the interest calculation classification,
The interest calculation device according to claim 1, characterized by: The interest calculation means is
If there is a change in the contents related to interest calculation within the interest calculation period on the same repayment date, if there is a mixture of leap years and non-leap years within the interest calculation period on the same repayment date, the prorated amount will be calculated within the interest calculation period on the same repayment date. If calculation and monthly installment calculation are mixed, or if the interest rate change date is other than the contract date,
3. The interest calculation device according to claim 1 or 2, characterized by: An interest calculation method executed by an interest calculation device having a control unit for calculating interest on a repayment schedule created based on loan conditions,
executed by the control unit;
a loan condition creating step of creating loan conditions for lending from the lending company to the borrowed company;
a repayment schedule creation step of creating a repayment schedule for repayment by the funded company based on the loan terms;
When the said repayment schedule is created, if the contents related to interest calculation are changed within the interest calculation period of the same repayment date, the interest calculation formula will be divided for each period with different contents related to interest calculation, and the repayment schedule will be calculated. an interest calculation step that produces tabular repayment data ;
In the interest calculation step, when there are multiple details of data on the same repayment date, a repayment flag is used to determine the details to be output in a form, and the total value of interest calculated on the same repayment date is registered in the details.
An interest calculation method characterized by: An interest calculation program to be executed by an interest calculation device having a control unit for calculating interest on a repayment schedule created based on loan conditions,
for execution by the control unit,
a loan condition creating step of creating loan conditions for lending from the lending company to the borrowed company;
a repayment schedule creation step of creating a repayment schedule for repayment by the funded company based on the loan terms;
At the time of preparing the repayment schedule, if the contents related to interest calculation are changed within the interest calculation period of the same repayment date, the interest calculation formula will be divided for each period with different contents related to interest calculation, and the repayment schedule will be calculated. an interest calculation step that produces tabular repayment data ;
In the interest calculation step, when there are multiple details of data on the same repayment date, a repayment flag is used to determine the details to be output in a form, and the total value of interest calculated on the same repayment date is registered in the details.
An interest calculation program characterized by:

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