JP2020126412A - Interest calculating device, interest calculating method and interest calculating program - Google Patents

Interest calculating device, interest calculating method and interest calculating program Download PDF

Info

Publication number
JP2020126412A
JP2020126412A JP2019017959A JP2019017959A JP2020126412A JP 2020126412 A JP2020126412 A JP 2020126412A JP 2019017959 A JP2019017959 A JP 2019017959A JP 2019017959 A JP2019017959 A JP 2019017959A JP 2020126412 A JP2020126412 A JP 2020126412A
Authority
JP
Japan
Prior art keywords
interest
repayment
interest calculation
loan
calculation
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
JP2019017959A
Other languages
Japanese (ja)
Other versions
JP7269022B2 (en
Inventor
裕樹 田村
Yuki Tamura
裕樹 田村
宗人 山ノ内
Munehito Yamanochi
宗人 山ノ内
剛光 上野
Takemitsu Ueno
剛光 上野
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Obic Co Ltd
Original Assignee
Obic Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Obic Co Ltd filed Critical Obic Co Ltd
Priority to JP2019017959A priority Critical patent/JP7269022B2/en
Publication of JP2020126412A publication Critical patent/JP2020126412A/en
Application granted granted Critical
Publication of JP7269022B2 publication Critical patent/JP7269022B2/en
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Images

Landscapes

  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

To provide an interest calculating device, an interest calculating method and an interest calculating program that calculate an appropriate interest without using an interest calculating formula in accordance with change details even if the details of an interest calculation is changed within the interest calculating time period at the same payment day when a payment schedule table for a company that obtains a loan to make a payment is created on the basis of a loan condition.SOLUTION: An interest calculating device 100 includes a control unit 102 that calculates an interest of a payment schedule table to be created on the basis of a loan condition. This control unit 102 includes: a loan condition creating unit 102a that creates the loan condition for a loan to a company that obtains the loan from a company that provides the loan; a payment schedule table creating unit 102b that creates the payment schedule table for the company getting the loan to make a payment on the basis of the loan condition; and an interest calculating unit 102c which makes the calculating by dividing an interest calculating formula for each time period with different details of the interest calculation when the details of the interest payment within an interest calculating time period at the same payment day when the payment schedule table is created, and which creates payment data on the payment schedule table.SELECTED DRAWING: Figure 1

Description

本発明は、利息計算装置、利息計算方法および利息計算プログラムに関する。 The present invention relates to an interest calculation device, an interest calculation method, and an interest calculation program.

特許文献１では、融資の回収期間で融資先の経済的都合により約定通りの返済が行われなかった場合に、各種の回収方法で回収した結果の回収状態を１つの論理式で回収利息の算出の対象とし、あらゆる回収状態に対して迅速で正確な回収計算を行うことが可能な利息の論理算出方法が開示されている。 In Patent Document 1, when the repayment as promised is not made during the loan collection period due to the financial convenience of the loan recipient, the collection status of the collection results obtained by various collection methods is calculated by one logical expression. , A logical calculation method of interest is disclosed, which enables quick and accurate recovery calculation for all recovery states.

特開平４−１４３８６１号公報JP-A-4-143861

このように、特許文献１にあっては、融資の回収期間で約定通りの返済が行われなかった場合に、各種の回収方法で回収した結果の回収状態を１つの論理式を用いて回収利息を算出して、あらゆる回収状態に対する回収計算を行っている。しかしながら、特許文献１では、約定通りに返済が行われる場合、同一返済日の利息計算期間内で利息計算に関わる内容が変更すると、これに伴って利息計算式を変更して利息計算を行うことまでは開示されていなかった。 As described above, in Patent Document 1, when the repayment as promised is not made during the loan collection period, the collection status of the collection results obtained by various collection methods is calculated using one logical expression. Is calculated, and recovery calculation is performed for all recovery states. However, in Patent Document 1, when the repayment is performed as promised, if the content related to the interest calculation changes within the interest calculation period of the same repayment date, the interest calculation formula is changed accordingly and the interest calculation is performed. Was not disclosed.

本発明は、上記に鑑みてなされたものであって、融資条件に基づいて被融資企業が返済を行う返済予定表を作成する場合に、同一返済日の利息計算期間内で利息計算に関わる内容が変更しても、変更内容に応じた利息計算式を用いて適正に利息計算を行うことができる利息計算装置、利息計算方法および利息計算プログラムを提供することを目的とする。 The present invention has been made in view of the above, and is related to interest calculation within the interest calculation period on the same repayment date when the repayment schedule for which the loanee company repays is created based on the loan conditions. It is an object of the present invention to provide an interest calculation device, an interest calculation method, and an interest calculation program that can appropriately perform interest calculation by using an interest calculation formula according to the contents of change.

上述した課題を解決し、目的を達成するために、本発明に係る利息計算装置は、融資条件に基づいて作成される返済予定表の利息計算を行う制御部を備えた利息計算装置であって、前記制御部は、融資企業から被融資企業に対して融資を行う融資条件を作成する融資条件作成手段と、前記融資条件に基づいて前記被融資企業が返済を行う返済予定表を作成する返済予定表作成手段と、前記返済予定表の作成時に、同一返済日の利息計算期間内で利息計算に関わる内容が変更した場合、利息計算に関わる内容が異なる期間ごとに利息計算式を分けて計算を行い、前記返済予定表の返済データを作成する利息計算手段と、を備えることを特徴とする。 In order to solve the above-mentioned problems and achieve an object, an interest calculation device according to the present invention is an interest calculation device including a control unit that calculates interest of a repayment schedule created based on loan conditions. , The control unit creates a loan condition creating means for creating a loan condition for providing a loan from the loan company to the loan recipient company, and a repayment for creating a repayment schedule for the loan recipient company to repay based on the loan condition. When the contents related to interest calculation are changed within the interest calculation period of the same repayment date when the schedule preparation means and the aforementioned repayment schedule are created, the interest calculation formula is calculated separately for each period when the contents related to interest calculation are different. And interest calculation means for creating repayment data of the repayment schedule.

また、本発明に係る利息計算装置は、前記利息計算手段は、前記同一返済日のデータが複数明細ある場合に、返済フラグを用いて帳票出力対象となる明細を決め、当該明細に同一返済日の計算利息の合計値を登録すること、を特徴とする。 Further, in the interest calculation device according to the present invention, the interest calculation means, when there are a plurality of items of the same repayment date data, determines the item to be a form output target by using a repayment flag, and the item has the same repayment date. The total value of the calculated interest of is registered.

また、本発明に係る利息計算装置は、前記利息計算手段は、利息計算区分として日割計算と月割計算のいずれかを選択して利息計算を行うこと、を特徴とする。 Further, the interest calculation device according to the present invention is characterized in that the interest calculation means performs an interest calculation by selecting either a prorated calculation or a monthly calculation as an interest calculation category.

また、本発明に係る利息計算装置は、前記利息計算手段は、前記同一返済日の利息計算期間内で利息計算に関わる内容が変更した場合として、同一返済日の利息計算期間内に閏年と閏年以外が混在する場合、同一返済日の利息計算期間内に日割計算と月割計算が混在する場合、あるいは、金利変更日が約定日以外の場合であること、を特徴とする。 Further, the interest calculation device according to the present invention, the interest calculation means, the contents of interest calculation within the interest calculation period of the same repayment date, if the content related to interest calculation is changed, leap year and leap year within the interest calculation period of the same repayment date Other than the above, when the daily calculation and the monthly calculation are mixed within the interest calculation period of the same repayment date, or when the interest rate change date is other than the contract date.

また、本発明に係る利息計算方法は、融資条件に基づいて作成される返済予定表の利息計算を行う制御部を備えた利息計算装置で実行される利息計算方法であって、前記制御部で実行される、融資企業から被融資企業に対して融資を行う融資条件を作成する融資条件作成ステップと、前記融資条件に基づいて前記被融資企業が返済を行う返済予定表を作成する返済予定表作成ステップと、前記返済予定表の作成時に、同一返済日の利息計算期間内で利息計算に関わる内容が変更した場合、利息計算に関わる内容が異なる期間ごとに利息計算式を分けて計算を行い、前記返済予定表の返済データを作成する利息計算ステップと、を含むことを特徴とする。 Further, the interest calculation method according to the present invention is an interest calculation method executed by an interest calculation device including a control unit that calculates interest on a repayment schedule created based on loan conditions, wherein the control unit A loan condition creating step for creating a loan condition for performing a loan from a loan company to a loan recipient, and a repayment schedule for creating a repayment schedule for the loan recipient to repay based on the loan condition. If the content related to interest calculation changes within the interest calculation period of the same repayment date during the creation step and creation of the repayment schedule, the interest calculation formula will be calculated separately for each period with different content related to interest calculation. , An interest calculation step of creating repayment data of the repayment schedule.

また、本発明に係る利息計算プログラムは、融資条件に基づいて作成される返済予定表の利息計算を行う制御部を備えた利息計算装置で実行させるための利息計算プログラムであって、前記制御部で実行させるための、融資企業から被融資企業に対して融資を行う融資条件を作成する融資条件作成ステップと、前記融資条件に基づいて前記被融資企業が返済を行う返済予定表を作成する返済予定表作成ステップと、前記返済予定表の作成時に、同一返済日の利息計算期間内で利息計算に関わる内容が変更した場合、利息計算に関わる内容が異なる期間ごとに利息計算式を分けて計算を行い、前記返済予定表の返済データを作成する利息計算ステップと、を含むことを特徴とする。 Further, the interest calculation program according to the present invention is an interest calculation program to be executed by an interest calculation device provided with a control unit that calculates interest on a repayment schedule created based on a loan condition. A loan condition creating step for creating a loan condition for a loan from the loan company to the loan recipient company, and a repayment for creating a repayment schedule for the loan recipient company to repay based on the loan condition. If the content related to interest calculation changes within the interest calculation period of the same repayment date during the schedule creation step and the creation of the repayment schedule, the interest calculation formula is calculated separately for each period with different content related to interest calculation. And an interest calculation step of creating repayment data of the repayment schedule.

本発明によれば、融資条件に基づいて被融資企業が返済を行う返済予定表を作成する場合に、同一返済日の利息計算期間内で利息計算に関わる内容が変更しても、変更内容に応じた利息計算式を用いて適正に利息計算を行うことができるという効果を奏する。 According to the present invention, when the repayment schedule for the repayment company to make a repayment is created based on the loan condition, even if the content related to the interest calculation is changed within the interest calculation period of the same repayment date, There is an effect that the interest can be calculated appropriately by using the corresponding interest calculation formula.

図１は、本実施形態に係る利息計算装置の構成の一例を示すブロック図である。FIG. 1 is a block diagram showing an example of the configuration of an interest calculation apparatus according to this embodiment. 図２は、融資業務を行う融資企業と被融資企業との関係の一例を示す概略図である。FIG. 2 is a schematic diagram showing an example of a relationship between a loan company that performs a loan business and a loanee company. 図３は、融資金返済予定表の一例を示す図である。FIG. 3 is a diagram illustrating an example of a loan repayment schedule. 図４は、本実施形態に係る利息計算装置の処理の流れを示すメインルーチンの一例を示すフローチャートである。FIG. 4 is a flowchart showing an example of a main routine showing a flow of processing of the interest calculation device according to the present embodiment. 図５は、図４の返済予定表の作成処理の流れを示すサブルーチンの一例を示すフローチャートである。FIG. 5 is a flowchart showing an example of a subroutine showing the flow of the process of creating the repayment schedule of FIG. 図６は、利息計算の定義の一例を示す図である。FIG. 6 is a diagram showing an example of definition of interest calculation. 図７は、利息計算期間内で利息計算に関わる内容が変更した場合の利息計算の比較例を示す図である。FIG. 7 is a diagram illustrating a comparative example of interest calculation when the content related to interest calculation is changed within the interest calculation period. 図８は、比較例における利息計算のデータ構造の一例を示す図である。FIG. 8 is a diagram illustrating an example of a data structure of interest calculation in the comparative example. 図９は、本実施例における利息計算のデータ構造の一例を示す図である。FIG. 9 is a diagram showing an example of a data structure of interest calculation in the present embodiment. 図１０は、閏年の計算における融資申込データ登録画面の一例を示す図である。FIG. 10: is a figure which shows an example of the loan application data registration screen in calculation of a leap year. 図１１は、図１０の登録画面における閏年の計算の一例を示す図である。FIG. 11 is a diagram showing an example of calculation of leap years on the registration screen of FIG. 図１２は、月利の初回端数計算における融資申込データ登録画面の一例を示す図である。FIG. 12 is a diagram showing an example of the loan application data registration screen in the calculation of the first fraction of the monthly interest. 図１３は、図１２の登録画面における月利の初回端数計算の一例を示す図である。FIG. 13 is a diagram showing an example of the calculation of the first-round fraction of the monthly interest on the registration screen of FIG. 図１４は、金利変更時における金利変更画面の一例を示す図である。FIG. 14 is a diagram showing an example of the interest rate change screen when the interest rate is changed. 図１５は、図１４の金利変更画面における金利変更計算の一例を示す図である。FIG. 15 is a diagram showing an example of the interest rate change calculation on the interest rate change screen of FIG.

本発明の実施形態を図面に基づいて詳細に説明する。なお、本発明は本実施形態により限定されるものではない。 Embodiments of the present invention will be described in detail with reference to the drawings. The present invention is not limited to this embodiment.

［１．概要］
従来は、一回の返済期間内で利息計算の数字が変更した場合でも、特定の値に固定した計算しか行えなかった。例えば、２０１２／１２／２８〜２０１３／１／２５の期間に対する返済の利息計算（２０１２年は閏年）において、従来は年率を３６５日に基づいて計算していたが、２０１２年の期間だけ年率を３６６日に基づいて計算するニーズには対応することができなかった。 [1. Overview]
In the past, even if the number of interest calculation changed within one repayment period, only fixed calculation could be done. For example, in the interest calculation for repayment for the period of 2012/12/28 to 2013/1/25 (2012 is a leap year), the annual rate was conventionally calculated based on 365 days. We could not meet the needs of calculating based on 366 days.

そこで、本発明の実施形態では、利息計算期間内で複数の計算式を混在させた利息計算ができる。例えば、２０１２／１２／２８〜２０１３／１／２５の期間に対する返済の利息計算（２０１２年は閏年）において、２０１２／１２／２８〜２０１３／１２／３１は、３６６日に基づいて年率を計算し、２０１３／１／１〜２０１３／１／２５は、３６５日に基づいて年率を計算する。このように、複数の計算式を混在させるか否かについては、マスタ設定により管理することができる。これにより、利息計算に関するカスタマイズを低減することができると共に、ユーザが手作業で行っていた返済予定表の作成が不要となり、業務を効率化することができる。 Therefore, in the embodiment of the present invention, the interest calculation in which a plurality of formulas are mixed can be performed within the interest calculation period. For example, in the repayment interest calculation for the period 2012/12/28 to 2013/1/25 (2012 is a leap year), 2012/12/28 to 2013/12/31 will calculate the annual rate based on 366 days. , 2013/1/1 to 2013/1/25 calculate annual rates based on 365 days. As described above, whether or not a plurality of calculation formulas are mixed can be managed by the master setting. As a result, customization regarding interest calculation can be reduced, and the repayment schedule manually created by the user is no longer required, and the work efficiency can be improved.

［２．構成］
本実施形態に係る利息計算装置の構成の一例について、図１を参照して説明する。図１は、本実施形態に係る利息計算装置の構成の一例を示すブロック図である。 [2. Constitution]
An example of the configuration of the interest calculation apparatus according to this embodiment will be described with reference to FIG. FIG. 1 is a block diagram showing an example of the configuration of an interest calculation apparatus according to this embodiment.

利息計算装置１００は、市販のデスクトップ型パーソナルコンピュータである。なお、利息計算装置１００は、デスクトップ型パーソナルコンピュータのような据置型情報処理装置に限らず、市販されているノート型パーソナルコンピュータ、ＰＤＡ（Ｐｅｒｓｏｎａｌ Ｄｉｇｉｔａｌ Ａｓｓｉｓｔａｎｔｓ）、スマートフォン、タブレット型パーソナルコンピュータなどの携帯型情報処理装置であってもよい。 The interest calculation device 100 is a commercially available desktop personal computer. The interest calculation apparatus 100 is not limited to a stationary information processing apparatus such as a desktop personal computer, but is a portable type such as a commercially available notebook type personal computer, PDA (Personal Digital Assistants), smartphone, tablet type personal computer. It may be an information processing device.

利息計算装置１００は、制御部１０２と通信インターフェース部１０４と記憶部１０６と入出力インターフェース部１０８と、を備えている。利息計算装置１００が備えている各部は、任意の通信路を介して通信可能に接続されている。 The interest calculation device 100 includes a control unit 102, a communication interface unit 104, a storage unit 106, and an input/output interface unit 108. The respective units included in the interest calculation device 100 are communicably connected via an arbitrary communication path.

通信インターフェース部１０４は、ルータ等の通信装置および専用線等の有線又は無線の通信回線を介して、利息計算装置１００をネットワーク３００に通信可能に接続する。通信インターフェース部１０４は、他の装置と通信回線を介してデータを通信する機能を有する。ここで、ネットワーク３００は、利息計算装置１００とサーバ２００とを相互に通信可能に接続する機能を有し、例えばインターネットやＬＡＮ（Ｌｏｃａｌ Ａｒｅａ Ｎｅｔｗｏｒｋ）等である。 The communication interface unit 104 communicatively connects the interest calculation apparatus 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 other devices via a communication line. Here, the network 300 has a function of connecting the interest calculation apparatus 100 and the server 200 to each other so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network).

記憶部１０６には、各種のデータベース、テーブル、およびファイルなどが格納される。記憶部１０６には、ＯＳ（Ｏｐｅｒａｔｉｎｇ Ｓｙｓｔｅｍ）と協働してＣＰＵ（Ｃｅｎｔｒａｌ Ｐｒｏｃｅｓｓｉｎｇ Ｕｎｉｔ）に命令を与えて各種処理を行うためのコンピュータプログラムが記録される。記憶部１０６として、例えば、ＲＡＭ（Ｒａｎｄｏｍ Ａｃｃｅｓｓ Ｍｅｍｏｒｙ）・ＲＯＭ（Ｒｅａｄ Ｏｎｌｙ Ｍｅｍｏｒｙ）等のメモリ装置、ハードディスクのような固定ディスク装置、フレキシブルディスク、および光ディスク等を用いることができる。ここで、記憶部１０６は、融資申込データテーブル１０６ａ、返済予定データテーブル１０６ｂ、カレンダーマスタ１０６ｃ等を備えている。 The storage unit 106 stores various databases, tables, files, and the like. The storage unit 106 stores a computer program for giving instructions to a CPU (Central Processing Unit) in cooperation with an OS (Operating System) to perform various processes. As the storage unit 106, for example, a memory device such as a RAM (Random Access Memory)/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. 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.

融資申込データテーブル１０６ａは、融資企業が被融資企業から申込まれた融資申込データを取得して登録するテーブルである。融資申込データテーブル１０６ａには、融資企業の融資業務においては、取得した融資申込データに基づいて融資企業が被融資企業の信用度や担保価値を考慮して融資条件と、それに基づく返済予定表を作成し、融資企業から被融資企業に対して融資を行うと、被融資企業は返済予定表に従って返済を行う。融資申込データテーブル１０６ａには、融資条件と返済予定表を作成する元となる融資申込データを記憶している。例えば、融資申込データテーブル１０６ａに記憶される融資申込データとしては、図１０に示す融資申込データ登録画面で設定される利息計算時に閏年と閏年以外を分ける「分かち計算」とするか、閏年か否かに関係なく３６５日で利息計算を行う「３６５日固定」とするかの“利息計算閏年判断区分”の設定値、あるいは、利息計算を「日割」で行うか、「月割」で行うかの“利息計算区分”の設定値などがある。 The loan application data table 106a is a table in which a loan company acquires and registers loan application data applied by a loanee company. In the loan application data table 106a, in the loan business of the loan company, the loan company creates a loan condition and a repayment schedule based on the credit rating and collateral value of the loaned company based on the acquired loan application data. Then, when the lending company lends to the lender, the lender repays according to the repayment schedule. The loan application data table 106a stores loan application data from which loan conditions and a repayment schedule are created. For example, the loan application data stored in the loan application data table 106a may be “division calculation” that separates a leap year from a non-leap year at the time of interest calculation set on the loan application data registration screen shown in FIG. Regardless of whether the interest calculation is 365 days, the fixed value of "365 days fixed" or "interest calculation leap year judgment category", or the interest calculation "daily" or "monthly" There are settings such as "interest calculation category".

返済予定データテーブル１０６ｂは、融資申込データテーブル１０６ａに記憶された融資申込データに基づいて、融資企業が被融資企業に対して融資可能な融資条件と、その融資条件に基づいて被融資企業が返済を行う返済予定表のデータとを登録するテーブルである。例えば、図３に示す“ご融資金返済予定表”の融資条件の項目としては、“契約番号”、“契約者名”、“商品名”、“融資日”、“融資金額（月々分、ボーナス分）”、“総返済額”、“引落銀行”、“返済方式”、“利払方式”、“約定日”、“ボーナス月”、“月々返済回数”、“ボーナス返済回数”、“初回返済日”、“最終回返済日”、“融資利率”、“実質金利”、“月々返済額”、“ボーナス返済額”、“収入印紙代”、“事務手数料”、“その他手数料”などがある。また、図３に示す返済予定の項目としては、“回数”、“返済予定日”、“ボーナス”、“返済額合計”、“元金返済額”、“利息返済額”、“手数料返済額”、“融資残高”、“年率”などがある。特に、返済予定の“利息返済額”については、利息計算の方法が各社によって様々なニーズがあるため、融資システムを導入する際にカスタマイズが多く発生する項目である。このため、本実施形態では、実現可能な計算パターンを増やすことで、より多くのニーズに対応可能となり、カスタマイズを行わずにシステムを導入することができるようになった。例えば、返済予定データテーブル１０６ｂに記憶される融資条件と返済予定表のデータとしては、図１４に示す金利変更画面で設定可能な“金利変更日”などがあり、本実施形態では利息計算期間を分けて利息計算を行うため、金利変更日を約定日以外の日付で入力することも可能になった。 The repayment schedule data table 106b is based on the loan application data stored in the loan application data table 106a, the loan condition that the loan company can lend to the loanee company, and the loanee company repays based on the loan condition. Is a table for registering repayment schedule data. For example, the items of the loan condition of the “loan payment repayment schedule” shown in FIG. 3 are “contract number”, “contractor name”, “product name”, “financing date”, “loan amount (monthly amount, "Bonus amount)", "Total repayment amount", "Withdrawal bank", "Repayment method", "Interest payment method", "Trade date", "Bonus month", "Monthly repayment frequency", "Bonus repayment frequency", " "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. In addition, as the repayment schedule items shown in FIG. 3, “number of times”, “scheduled repayment date”, “bonus”, “total repayment amount”, “principal repayment amount”, “interest repayment amount”, “commission repayment amount” , “Loan balance”, “annual rate”, etc. In particular, the "interest repayment amount" to be repaid is an item that is often customized when introducing a loan system, because each company has various needs for the method of calculating interest. For this reason, in the present embodiment, by increasing the number of feasible calculation patterns, more needs can be met, and the system can be introduced without customization. For example, the loan conditions 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. 14, and in the present embodiment, the interest calculation period is Since the interest is calculated separately, it is possible to enter the interest rate change date on a date other than the contract date.

カレンダーマスタ１０６ｃは、カレンダーデータを保持しており、同一返済日の利息計算期間内に閏年あるいは閏年以外の期間が含まれているか否かを確認することのできるマスタである。例えば、図７に示すように、同一返済日の利息計算期間を２０１２／１２／２８〜２０１３／１／２５とした場合、この期間のカレンダーマスタ１０６ｃを参照することで、２０１２年は閏年のため年間日数が３６６日あり、２０１３年は閏年でないため年間日数が３６５日あることが判明する。このため、図６に示す日割り契約による利息計算を行う場合に、事前に設定を行うだけで、計算式の分母の年間日数を閏年の３６６日とするのか、閏年以外の３６５日とするのか、同一返済日の利息計算期間を閏年と閏年以外の期間に分けるのかを自動的に判断して、利息計算を行うことが可能となる。 The calendar master 106c is a master that holds calendar data and can confirm whether 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, when the interest calculation period for the same repayment date is 2012/12/28 to 2013/1/25, 2012 is a leap year by referring to the calendar master 106c for this period. It turns out that there are 366 days a year, and there are 365 days a year because 2013 is not a leap year. For this reason, when performing interest calculation based on the daily contract shown in FIG. 6, whether the annual number of the denominator of the calculation formula is 366 days in a leap year or 365 days other than a leap year by simply setting in advance, It is possible to automatically determine whether to divide the interest calculation period for the same repayment date into a leap year and a period other than the leap year, and calculate the interest.

入出力インターフェース部１０８には、入力装置１１２および出力装置１１４が接続されている。出力装置１１４には、モニタ（家庭用テレビを含む）の他、スピーカやプリンタを用いることができる。入力装置１１２には、キーボード、マウス、およびマイクの他、マウスと協働してポインティングデバイス機能を実現するモニタを用いることができる。なお、以下では、出力装置１１４をモニタ１１４とし、入力装置１１２をキーボード１１２またはマウス１１２として記載する場合がある。 An input device 112 and an output device 114 are connected to the input/output interface unit 108. As the output device 114, a monitor (including a home-use television), a speaker, or a printer can be used. 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 described as the monitor 114 and the input device 112 may be described as the keyboard 112 or the mouse 112.

制御部１０２は、利息計算装置１００を統括的に制御するＣＰＵ等である。制御部１０２は、ＯＳ等の制御プログラム・各種の処理手順等を規定したプログラム・所要データなどを格納するための内部メモリを有し、格納されているこれらのプログラムに基づいて種々の情報処理を実行する。ここで、制御部１０２は、機能概念的に、融資条件作成手段としての融資条件作成部１０２ａ、返済予定表作成手段としての返済予定表作成部１０２ｂ、利息計算手段としての利息計算部１０２ｃ等を備えている。 The control unit 102 is a CPU or the like that totally controls the interest calculation apparatus 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, and required data, and performs various information processing based on these stored programs. Execute. Here, the control unit 102 functionally conceptually includes a loan condition creating unit 102a as a loan condition creating unit, a repayment schedule creating unit 102b as a repayment schedule creating unit, and an interest calculating unit 102c as an interest calculating unit. I have it.

融資条件作成部１０２ａは、融資企業から被融資企業に対して融資を行う融資条件を作成する。融資企業における融資業務においては、被融資企業から融資の申込みがあると、その融資申込データを取得して登録を行い、図２に示すように、融資申込データに基づく融資可能な融資条件を作成する。作成される融資条件の項目としては、例えば図３に示すように、“契約番号”、“契約者名”、“商品名”、“融資日”、“融資金額（月々分、ボーナス分）”、“総返済額”、“引落銀行”、“返済方式”、“利払方式”、“約定日”、“ボーナス月”、“月々返済回数”、“ボーナス返済回数”、“初回返済日”、“最終回返済日”、“融資利率”、“実質金利”、“月々返済額”、“ボーナス返済額”、“収入印紙代”、“事務手数料”、“その他手数料”などがある。 The loan condition creating unit 102a creates loan conditions for providing a loan from a loan company to a loan recipient company. In the lending business of a lending company, when there is a loan application from a loanee company, the loan application data is acquired and registered, and as shown in FIG. 2, a loan condition that allows financing based on the loan application data is created. To do. As items of the loan condition to be created, as shown in FIG. 3, for example, "contract number", "contractor name", "product name", "financing date", "financing amount (monthly amount, bonus amount)" , "Total repayment amount", "withdrawal bank", "repayment method", "interest payment method", "trade date", "bonus month", "monthly repayment count", "bonus repayment count", "first repayment date" , "Final repayment date", "financing interest rate", "real interest rate", "monthly repayment amount", "bonus repayment amount", "income stamp fee", "office work fee", "other fees", etc.

返済予定表作成部１０２ｂは、作成された融資条件に基づいて被融資企業が返済を行う返済予定表を作成する。融資企業は、図２に示すように、作成した融資条件に基づく返済予定表を作成して被融資企業に提示し、被融資企業がその条件に合意すると融資が実行される。被融資企業は、合意した融資条件と返済予定表に従って返済を行う。例えば、返済予定表の項目としては、図３に示すように、返済の“回数”、“返済予定日”、“ボーナス”、“返済額合計”、“元金返済額”、“利息返済額”、“手数料返済額”、“融資残高”、“利率”などがある。 The repayment schedule creation unit 102b creates a repayment schedule for the repayment company to make a repayment based on the created loan condition. As shown in FIG. 2, the loan company creates a repayment schedule based on the created loan conditions and presents it to the loanee company. When the loanee company agrees to the conditions, the loan is executed. The loan recipient repays according to the agreed loan conditions and repayment schedule. For example, the items of the repayment schedule are, as shown in FIG. 3, “number of repayments”, “scheduled repayment date”, “bonus”, “total repayment amount”, “principal repayment amount”, “interest repayment amount”. , “Commission repayment amount”, “loan balance”, “interest rate”, etc.

利息計算部１０２ｃは、返済予定表を作成する際に、同一返済日の利息計算期間ごとに利息を計算する。本発明における利息計算部１０２ｃの特徴は、同一返済日の利息計算期間内で利息計算に関わる内容が変更した場合に、利息計算に関わる内容が異なる期間ごとに利息計算式を分けて計算を行い、それを合算して返済予定表の返済データを作成する。例えば、利息計算期間内で利息計算に関わる内容が変更した例としては、（１）図１０に示すように、“利息計算閏年判断区分”が「０」（分かち計算）で、“利息計算区分”が「０」（日割）の場合に、図６に示す日割り契約における利息計算式の分母の年間日数が閏年と閏年以外の年とで異なる場合、（２）図１２に示すように、“利息計算区分”が「１」（月割）であるが、融資日から初回返済日までが一ヶ月より長い場合に、一ヶ月に満たない期間については日割り計算を行う場合、（３）図１４に示すように、金利変更日が約定日以外の場合など挙げられるが、これ以外の場合であってもよい。 When creating the repayment schedule, the interest calculation unit 102c calculates interest for each interest calculation period on the same repayment date. The feature of the interest calculation unit 102c in the present invention is that when the content related to the interest calculation is changed within the interest calculation period of the same repayment date, the interest calculation formula is divided for each period in which the content related to the interest calculation is different. , Add them together to create repayment data for repayment schedule. For example, as an example in which the contents related to interest calculation are changed within the interest calculation period, (1) as shown in FIG. 10, "interest calculation leap year determination category" is "0" (division calculation) and "interest calculation category" When “” is “0” (prorate), and the number of days in the denominator of the interest calculation formula in the daily contract shown in FIG. 6 differs between a leap year and a year other than a leap year, (2) as shown in FIG. If the “interest calculation category” is “1” (monthly installment), but the period from the loan date to the first repayment date is longer than one month, and if you do prorate calculation for a period less than one month, (3) Figure As shown in FIG. 14, the case where the interest rate change date is other than the contract date may be mentioned, but it may be other cases.

［３．具体例］
本実施形態の具体例については、図２〜図１５を参照しながら、本実施形態に係る利息計算装置１００の処理の一例を具体的に説明する。図２は、融資業務を行う融資企業と被融資企業との関係の一例を示す概略図である。図３は、融資金返済予定表の一例を示す図である。図４は、本実施形態に係る利息計算装置の処理の流れを示すメインルーチンの一例を示すフローチャートである。図５は、図４の返済予定表の作成処理の流れを示すサブルーチンの一例を示すフローチャートである。図６は、利息計算の定義の一例を示す図である。図７は、利息計算期間内で利息計算に関わる内容が変更した場合の利息計算の比較例を示す図である。図８は、比較例における利息計算のデータ構造の一例を示す図である。図９は、本実施例における利息計算のデータ構造の一例を示す図である。図１０は、閏年の計算における融資申込データ登録画面の一例を示す図である。図１１は、図１０の登録画面における閏年の計算の一例を示す図である。図１２は、月利の初回端数計算における融資申込データ登録画面の一例を示す図である。図１３は、図１２の登録画面における月利の初回端数計算の一例を示す図である。図１４は、金利変更時における金利変更画面の一例を示す図である。図１５は、図１４の金利変更画面における金利変更計算の一例を示す図である。 [3. Concrete example]
Regarding a specific example of the present embodiment, an example of processing of the interest calculation device 100 according to the present embodiment will be specifically described with reference to FIGS. 2 to 15. FIG. 2 is a schematic diagram showing an example of a relationship between a loan company that performs a loan business and a loanee company. FIG. 3 is a diagram illustrating an example of a loan repayment schedule. FIG. 4 is a flowchart showing an example of a main routine showing a processing flow of the interest calculation apparatus according to the present embodiment. FIG. 5 is a flowchart showing an example of a subroutine showing the flow of the process of creating the repayment schedule of FIG. FIG. 6 is a diagram showing an example of definition of interest calculation. FIG. 7 is a diagram illustrating a comparative example of interest calculation when the content related to the interest calculation is changed within the interest calculation period. FIG. 8 is a diagram illustrating an example of a data structure of interest calculation in the comparative example. FIG. 9 is a diagram showing an example of a data structure of interest calculation in the present embodiment. FIG. 10: is a figure which shows an example of the loan application data registration screen in calculation of a leap year. FIG. 11 is a diagram showing an example of calculation of leap years on the registration screen of FIG. FIG. 12 is a diagram showing an example of the loan application data registration screen in the calculation of the first fraction of the monthly interest. FIG. 13 is a diagram showing an example of the calculation of the first-round fraction of the monthly interest on the registration screen of FIG. FIG. 14 is a diagram showing an example of the interest rate change screen when the interest rate is changed. FIG. 15 is a diagram showing an example of the interest rate change calculation on the interest rate change screen of FIG.

［処理の流れ］
まず、図２に示すように、被融資企業が融資企業から融資を受けたい場合、被融資企業は、融資企業に対して融資の申込みを行う。融資企業の利息計算装置１００の融資条件作成部１０２ａは、図４に示すように、被融資企業から申込まれた融資申込データを取得して（ステップＳ１）、融資申込データテーブル１０６ａに登録する（ステップＳ２）。 [Process flow]
First, as shown in FIG. 2, when the lender company wants to receive a loan from the lender company, the lender company applies for a loan to the lender company. As shown in FIG. 4, the loan condition creation unit 102a of the interest calculation apparatus 100 of the loan company acquires the loan application data applied by the loanee company (step S1) and registers it in the loan application data table 106a ( Step S2).

融資企業の利息計算装置１００の融資条件作成部１０２ａは、まず登録された融資申込データに基づいて融資企業が被融資企業の信用度や担保価値を考慮して融資条件を作成する（ステップＳ３）。 The loan condition creation unit 102a of the interest calculation device 100 of the loan company first creates a loan condition in consideration of the creditworthiness and collateral value of the loaned company by the loan company based on the registered loan application data (step S3).

続いて、利息計算装置１００の返済予定表作成部１０２ｂは、作成した融資条件に基づいて返済予定表を作成する（ステップＳ４）。例えば、返済予定表作成部１０２ｂは、返済予定表の作成に当たって、図３に示す融資条件の“月々返済回数”、“ボーナス返済回数”、“ボーナス月”、および、“約定日”により、返済予定の“回数”と“返済予定日”とボーナス返済分の明細を示す（「○」で表示）“ボーナス”とを作成し、融資条件の“月々返済額”、“ボーナス返済額”により、返済予定の“返済額合計”を作成し、融資条件の“返済方式”の利息計算式（日割り、月割り）に基づいて、返済予定の“利息返済額”を作成し、上記“返済額合計”から“利息返済額”を引いた残額を“元金返済額”とし、元金から“元金返済額”を引いた残額により“融資残高”を作成する。なお、図３に示す“利息返済額”の利息計算には、融資企業によって多様なニーズがあり、融資システム導入の際にカスタマイズの多く発生する項目のため、本実施形態では、様々な計算パターンにも対応可能としている。 Subsequently, the repayment schedule creation unit 102b of the interest calculation device 100 creates a repayment schedule based on the created loan condition (step S4). For example, when preparing the repayment schedule, the repayment schedule preparation unit 102b makes a repayment according to the loan condition “monthly repayment count”, “bonus repayment count”, “bonus month”, and “contract date”. Create a "number of times", "scheduled repayment date", and "bonus" indicating the details of bonus repayment (displayed with "○"), and use "monthly repayment amount" and "bonus repayment amount" of the loan Create the "total repayment amount" of the repayment plan, create the "interest repayment amount" of the repayment plan based on the interest calculation formula (daily installment, monthly installment) of the "repayment method" of the loan conditions, and then add the "total repayment amount" The remaining amount obtained by subtracting the "interest repayment amount" from is defined as the "primary repayment amount", and the "financing balance" is created by the remaining amount obtained by subtracting the "principal repayment amount" from the principal. It should be noted that the interest calculation of the “interest repayment amount” shown in FIG. 3 has various needs depending on the lender company, and many customizations occur when introducing the lending system. Therefore, in this embodiment, various calculation patterns are used. Is also available.

このように、返済予定表作成部１０２ｂにより返済予定表を作成する場合、“利息返済額”の計算は、利息計算部１０２ｃにより行われる。利息計算部１０２ｃは、図５に示すように、同一返済日の利息計算期間内で利息計算に関わる内容が変更した場合（ステップＳ５でＹｅｓ）、利息計算期間を変更のあった期間ごとに分割し、各期間における利息計算式を用いて利息計算を行う（ステップＳ６）。そして、分割した期間ごとの計算利息を合算して（ステップＳ７）、同一返済日の利息計算期間における請求利息とする（ステップＳ８）。 As described above, when the repayment schedule preparation unit 102b prepares the repayment schedule, the "interest repayment amount" is calculated by the interest calculation unit 102c. As shown in FIG. 5, the interest calculation unit 102c divides the interest calculation period for each changed period when the content related to the interest calculation is changed within the interest calculation period of the same repayment date (Yes in step S5). Then, interest calculation is performed using the interest calculation formula in each period (step S6). Then, the calculated interests for each of the divided periods are added up (step S7) to obtain the billed interest in the interest calculation period of the same repayment date (step S8).

一方、同一返済日の利息計算期間内で利息計算に関わる内容に変更が無い場合（ステップＳ５でＮｏ）、利息計算部１０２ｃは、当該利息計算期間内における利息計算を１つの利息計算式で利息計算を行い（ステップＳ９）、その結果を請求利息とする（ステップＳ８）。 On the other hand, when there is no change in the content related to the interest calculation within the interest calculation period of the same repayment date (No in step S5), the interest calculation unit 102c calculates the interest calculation within the interest calculation period by using one interest calculation formula. Calculation is performed (step S9), and the result is used as billing interest (step S8).

［同一返済日の利息計算期間内における利息計算］
例えば、同一返済日の利息計算期間を２０１２年１２月２８日〜２０１３年１月２５日とした場合、図７に示すように、利息計算期間の日数は２９日であるが、その期間内に閏年の日数と、閏年以外の日数とが混在している。図７の比較例では、日割りで利息計算を行う場合に、２０１２年１２月２８日〜２０１２年１２月３１日の期間は、閏年のため年間日数が３６６日であり、２０１３年１月１日〜２０１３年１月２５日の期間は、閏年以外のため年間日数が３６５日であるが、一回の返済単位でまとめて年率を３６５日に基づいて利息計算を行っている。その結果、比較例における利息計算のデータ構造は、図８に示すように、“計算開始日”「２０１２／１２／２８」〜“計算終了日”「２０１３／１／２５」の“利率(年率)”の計算に用いる“年間日数”は「３６５日」となる。 [Interest calculation within the interest calculation period on the same repayment date]
For example, when the interest calculation period of the same repayment date is December 28, 2012 to January 25, 2013, the number of days of the interest calculation period is 29 days as shown in FIG. 7, but within that period. The number of days in a leap year and the number of days other than a leap year are mixed. In the comparative example of FIG. 7, when interest is calculated on a daily 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. During the period of January 25, 2013, the number of days is 365 days because it is not a leap year. However, interest is calculated based on the annual rate of 365 days in one repayment unit. As a result, the data structure of the interest calculation in the comparative example is, as shown in FIG. 8, the “interest rate (annual rate)” of “calculation start date” “2012/12/28” to “calculation end date” “2013/1/25”. )” used in the calculation is “365 days”.

しかしながら、融資企業によっては、閏年の２０１２年１２月２８日〜２０１２年１２月３１日の期間だけ厳密に年率を３６６日に基づいて利息計算したいというニーズもあるが、対応することができなかった。上記したように、（１）利息計算期間内に閏年と閏年以外の日数が混在する場合の他、（２）同一返済日の利息計算期間内に日割計算と月割計算が混在する場合、あるいは、（３）金利変更日が約定日以外の場合は、同一返済日の利息計算期間内で利息計算に関わる内容が変更する例として列挙することができる。その場合は、利息計算期間を利息計算に関わる内容が変更された期間ごとに分割し、各期間の利息計算式を用いて利息計算を行い、計算利息を合算することにより、請求利息とする。 However, there is a need for some lenders to strictly calculate the interest rate based on the annual rate of 366 days only during the period from December 28, 2012 to December 31, 2012, but this was not possible. .. As described above, (1) when the leap year and the number of days other than the leap year are mixed in the interest calculation period, and (2) when the pro rata calculation and the monthly pro rata calculation are mixed in the interest calculation period of the same repayment date, Alternatively, (3) when the interest rate change date is other than the contract date, it can be enumerated as an example in which the contents relating to interest calculation change within the interest calculation period of the same repayment date. In that case, the interest calculation period is divided for each period in which the content related to the interest calculation is changed, the interest calculation is performed using the interest calculation formula of each period, and the calculated interest is added to obtain the billed interest.

［利息計算期間内に閏年と閏年以外の日数が混在する場合］
返済予定表作成部１０２ｂで返済予定表を作成する際の請求利息の計算は、利息計算部１０２ｃにより行われる。オペレータは、図１０に示す融資申込データ登録画面において、“債権番号”、“融資日”、“融資金額”、“初回返済日”、“返済予定回数”などのデータを入力し、さらに、“利息計算閏年判断区分”として「０：分かち計算」か「１：３６５日固定」を入力すると共に、“利息計算区分”として「０：日割」か「１：月割」を入力する。図１０の場合は、“利息計算閏年判断区分”を「０：分かち計算」とし、“利息計算区分”を「０：日割」として返済予定作成ボタンＢ１を押下する。 [When the leap year and the number of days other than the leap year are mixed within the interest calculation period]
The interest calculation unit 102c calculates the billing interest when the repayment schedule creation unit 102b creates the repayment schedule. The operator inputs data such as “credit number”, “financing date”, “financing amount”, “first repayment date”, “scheduled repayment frequency” in the loan application data registration screen shown in FIG. Enter "0: Dividend calculation" or "1: 365 days fixed" as "interest calculation leap year determination category", and also enter "0: prorate" or "1: monthly installment" as "interest calculation category". In the case of FIG. 10, the “interest calculation leap year determination category” is set to “0: division calculation”, the “interest calculation category” is set to “0: daily proposition”, and the repayment schedule creation button B1 is pressed.

返済予定表作成部１０２ｂは、初回返済日より返済予定回数分の毎月の返済予定を利息計算しながら作成する。利息計算部１０２ｃは、カレンダーマスタ１０６ｃを参照して、返済予定の利息計算期間が全て閏年の場合（図１１の“返済日”が「２０１２／１２／２７」）、年率計算の年間日数は３６６日で計算し、全て閏年でない場合（図１１の“返済日”が「２０１３／２／２７」、「２０１３／３／２７」）、年率計算の年間日数は３６５日で計算する。この場合、１つの利息計算期間の返済予定は、１明細で作成する。 The repayment schedule creation unit 102b creates monthly repayment schedules for the number of repayment plans from the initial repayment date while calculating interest. The interest calculation unit 102c refers to the calendar master 106c, and if the interest calculation period of the repayment schedule is all leap years (“repayment date” in FIG. 11 is “2012/12/27”), the annual number of annual rate calculation is 366. When the calculation is made in days, and all are not leap years (“repayment date” in FIG. 11 is “2013/2/27”, “2013/3/27”), the annual number of annual rate calculation is 365 days. In this case, a repayment schedule for one interest calculation period is created with one item.

また、利息計算部１０２ｃは、作成する返済予定の同一返済日の利息計算期間内（２０１２／１２／２７〜２０１３／１／２５）に閏年と閏年以外の期間が含まれており、図１０に示す “利息計算閏年判断区分”において「０：分かち計算」が選択されている場合、返済予定を以下の（イ）と（ロ）の期間に分割して年率計算を行う。
（イ）“計算開始日”「２０１２／１２／２７」〜“計算開始日”と同年の１２／３１まで
（ロ）“計算終了日” と同年の１／１〜“計算終了日”「２０１３／１／２７」まで
このように、図１１の（イ）と（ロ）に分割した期間における計算利息をそれぞれ求めることで、２明細を作成する。同一返済日（２０１３／１／２５）に対して複数データの管理を行う構造として、本実施形態では、図１１に示す“返済フラグ”を用意している。この“返済フラグ”は、同一返済日のデータが複数明細ある場合に、帳票出力対象となる明細を決める項目である。つまり、“返済フラグ”＝「０」の明細は、帳票出力対象ではなく、“返済フラグ”＝「１」の明細が帳票出力対象となるため、“返済フラグ”＝「０」と“返済フラグ”＝「１」の“計算利息”の合計値である「１００５」を同一返済日の“請求利息”として“返済フラグ”＝「１」の明細に記録する。上記のような利息計算を１年間行ったデータ構造例が図９である。 Further, the interest calculation unit 102c includes a leap year and a period other than the leap year within the interest calculation period (2012/12/27 to 2013/1/25) of the same repayment date of the repayment schedule to be created, and FIG. If "0: Dividend calculation" is selected in the "Interest calculation leap year determination category", the repayment schedule is divided into the following periods (a) and (b) to calculate the annual rate.
(A) “Calculation start date” “2012/12/27” to “calculation start date” and until December 31st of the same year (b) “Calculation end date” and 1/1 to “calculation end date” of the same year “2013 In this way, two items are created by obtaining the calculated interest in the periods divided into (a) and (b) in FIG. In the present embodiment, a “repayment flag” shown in FIG. 11 is prepared as a structure for managing a plurality of data with respect to the same repayment date (2013/1/25). This "repayment flag" is an item that determines the item to be the form output target when there are multiple items of the same repayment date data. In other words, the item with “repayment flag” = “0” is not the form output target, but the item with “repayment flag” = “1” is the form output target, so “repayment flag” = “0” and “repayment flag”. “1005”, which is the total value of the “calculated interest” of “=1”, is recorded in the specification of “repayment flag”=“1” as “invoice interest” on the same repayment date. FIG. 9 shows an example of a data structure in which the above interest calculation is performed for one year.

このように、本実施形態に係る利息計算装置１００は、同一返済日の利息計算期間内に閏年と閏年以外の期間が含まれていて、“利息計算閏年判断区分”において「０：分かち計算」が選択されていると、利息計算期間を閏年と閏年以外の期間に分けてより細かく利息計算を自動で行うことが可能となり、スムーズに返済予定表を出力することができる。 As described above, the interest calculation apparatus 100 according to the present embodiment includes the leap year and a period other than the leap year within the interest calculation period of the same repayment date, and the “interest calculation leap year determination category” is “0: division calculation”. When is selected, the interest calculation period can be divided into leap years and periods other than leap years, and more detailed interest calculation can be automatically performed, and the repayment schedule can be output smoothly.

［月割り契約における初回端数利息計算の場合］
返済予定表の作成は、初回返済日より返済予定回数分の毎月の返済予定を利息計算しながら作成する。オペレータは、図１２に示す融資申込データ登録画面において、“債権番号”、“融資日”、“融資金額”、“初回返済日”、“返済予定回数”などのデータを入力し、さらに、“利息計算閏年判断区分”として「０：分かち計算」を入力し、“利息計算区分”として「０：日割」または「１：月割」を入力し、返済予定作成ボタンＢ１を押下する。図１２において、例えば“利息計算区分”に「０：日割」を選択した場合、初回の返済予定は全て日割計算で行うため、返済予定は１明細で作成される。 [In the case of initial fractional interest calculation in monthly contract]
The repayment schedule is created by calculating the monthly repayment schedule for the number of repayments scheduled from the first repayment date. The operator inputs data such as “credit number”, “financing date”, “financing amount”, “first repayment date”, “scheduled repayment frequency” on the loan application data registration screen shown in FIG. Enter "0: division calculation" as "interest calculation leap year determination category", enter "0: daily prorate" or "1: monthly prorate" as "interest calculation category", and press the repayment schedule creation button B1. In FIG. 12, for example, when “0: prorate” is selected for “interest calculation category”, the repayment schedule is created with one item because the repayment schedule for the first time is all calculated by prorate.

また、図１２に示すように、例えば“利息計算区分”に「１：月割」を選択し、融資日〜初回返済日までが１ヶ月未満の場合、初回の返済予定は全て日割計算で行うため、この場合も返済予定は１明細で作成される（図５のステップＳ９）。 Further, as shown in FIG. 12, for example, when “1: monthly installment” is selected for “interest calculation category” and the loan date to the first repayment date is less than one month, the first repayment schedule is calculated on a per diem basis. In this case as well, the repayment schedule is created with one item (step S9 in FIG. 5).

さらに、図１２に示すように、“利息計算区分”に「１：月割」を選択し、融資日〜初回返済日までが１ヶ月より長い場合、初回の返済予定は、２つの期間に分割して利息計算を行う。つまり、図１３に示すように、“融資日（計算開始日）”「２０１２／５／２」〜“初回返済日”「２０１２／６／２７」であるため、“利息計算区分”を「１：月割」としていても、１ヶ月に満たない「２０１２／５／２」〜「２０１２／５／２７」については日割り計算を行い、残りの「２０１２／５／２８」〜「２０１２／６／２７」については月割り計算を行う。このように、同一返済日の利息計算期間内に利息計算に関わる内容が変更した場合（日割り計算と月割り計算）、本実施形態に係る利息計算部１０２ｃは、利息計算に関わる内容が異なる期間ごとに利息計算式を分けて計算を行う。従って、この場合の返済予定は、図１３に示すように２明細で作成され、それぞれの“計算利息”が「３５６１６」と「４１６６６」となるが、“返済フラグ”＝「０」と“返済フラグ”＝「１」の“計算利息”の合計値である「７７２８２」を同一返済日の“請求利息”として“返済フラグ”＝「１」の明細に記録する。 Further, as shown in FIG. 12, when "1: monthly installment" is selected for "interest calculation category" and the loan date to the first repayment date is longer than one month, the first repayment schedule is divided into two periods. And calculate interest. That is, as shown in FIG. 13, since the “financing date (calculation start date)” is “2012/5/2” to “first repayment date” “2012/6/27”, the “interest calculation category” is “1”. : Even if "Monthly Discount" is set, "2012/5/2" to "2012/5/27", which is less than one month, is prorated and the remaining "2012/5/28" to "2012/6/" are calculated. For “27”, monthly installment is calculated. In this way, when the content related to the interest calculation is changed 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, the interest calculation unit 102c according to each different period. Calculate the interest calculation formula separately. Therefore, the repayment schedule in this case is created with two details as shown in FIG. 13, and the respective “calculated interest” is “35616” and “41666”, but “repayment flag”=“0” and “repayment” "77282", which is the total value of "calculated interest" of "flag"="1", is recorded in the specification of "repayment flag"="1" as "invoice interest" on the same repayment date.

このように、本実施形態に係る利息計算装置１００は、“利息計算区分”に「１：月割」を選択した場合でも、融資日〜初回返済日までが１ヶ月より長い場合は、１ヶ月に満たない期間については日割り計算を行い、残りの１ヶ月については月割り計算を行うため、より細かく利息計算を自動で行うことが可能となり、スムーズに返済予定表を出力することができる。 As described above, the interest calculation apparatus 100 according to the present embodiment is 1 month if the loan date to the first repayment date is longer than 1 month even when “1: monthly installment” is selected for the “interest calculation category”. Since the prorated calculation is performed for the period less than the above and the prorated calculation is performed for the remaining one month, the interest can be calculated more finely automatically, and the repayment schedule can be smoothly output.

［金利変更日が約定日以外の場合］
返済予定表を作成するにあたって、図４のフローに示すように、被融資企業から融資申込データを取得し（ステップＳ１）、融資申込データテーブル１０６ａに登録し（ステップＳ２）、融資条件を作成して（ステップＳ３）、返済予定表を作成する（ステップＳ４）。融資実行後に金利の変動があると、貸し出し金利が変更される場合があり、金利の変更に伴って返済予定表を再作成する。 [If the interest rate change date is other than the contract date]
In creating the repayment schedule, as shown in the flow of FIG. 4, loan application data is acquired from the loan recipient company (step S1), registered in the loan application data table 106a (step S2), and loan conditions are created. (Step S3), a repayment schedule is created (step S4). If the interest rate fluctuates after the loan is executed, the lending interest rate may change, and the repayment schedule is re-created with the change in the interest rate.

オペレータは、図１４に示す金利変更画面において、“債権番号”、“金利変更日”、“変更後金利”などのデータを入力し、返済予定作成ボタンＢ２を押下する。図１４の金利変更画面における“金利変更日”については、約定日以外の日付を入力することはできなかったが、本実施形態に係る利息計算装置１００では、約定日以外の日付を“金利変更日”として入力しても、同一返済日の利息計算期間内で利息計算に関わる内容が変更したとして、利息計算に関わる内容が異なる期間ごとに利息計算式を分けて計算を行うことで、返済予定表を再作成することができる。 The operator inputs data such as “credit 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” on the interest rate change screen of FIG. 14, it was not possible to input a date other than the contract date, but in the interest calculation device 100 according to the present embodiment, the date other than the contract date is set to “interest rate change”. Even if you enter as "day", if the content related to interest calculation changes within the interest calculation period of the same repayment date, the interest calculation formula is divided for each period with different content related to interest calculation You can recreate your calendar.

まず、図１４の金利変更画面における“金利変更日”を約定日と同じ日付で入力した場合は、これまでと同様に利息計算期間の開始日から金利が変わるため、返済予定は１明細で作成される（図５のステップＳ９）。 First, if you enter the "interest rate change date" on the interest rate change screen of Fig. 14 on the same date as the contract date, the interest rate will change from the start date of the interest calculation period, so the repayment schedule will be created with one statement. (Step S9 in FIG. 5).

これに対して、図１４の金利変更画面における“金利変更日”を約定日以外の日付で入力した場合は、“金利変更日”が含まれる返済予定を金利変更前と金利変更後の少なくとも２つの期間に分割して、各期間における金利に基づいて利息計算を行うことで、それぞれの期間の計算利息を求める。例えば、“金利変更日”を「２０１０／６／１６」とすると、利息計算部１０２ｃは、「２０１０／６／２」〜「２０１０／７／１」の利息計算期間を（ハ）「２０１０／６／２」〜「２０１０／６／１５」の期間と、（ニ）「２０１０／６／１６」〜「２０１０／７／１」の期間に分割し、（ハ）の期間の“利率（年率）”を「５．０００００％」で計算すると“計算利息”は、「１５３２」となり、（ニ）の期間の“利率（年率）”を「４．９００００％」で計算すると“計算利息”は、「１７１６」となる（図５のステップＳ６）。 On the other hand, when the "interest rate change date" on the interest rate change screen of FIG. 14 is entered on a date other than the contract date, the repayment schedule including the "interest rate change date" is at least 2 before and after the interest rate change. Calculate the interest for each period by dividing the period and calculating the interest based on the interest rate in each period. For example, when the "interest rate change date" is "2010/6/16", the interest calculation unit 102c sets the interest calculation period of "2010/6/2" to "2010/7/1" to (2010) "2010/ It is divided into a period of 6/2" to "2010/6/15" and a period of (D) "2010/6/16" to "2010/7/1", and the "interest rate (annual rate) of the period of (C) is divided. )” is calculated as “5.00000%”, the “calculated interest” is “1532”, and when the “interest rate (annual rate)” for the period (d) is calculated as “4.90000%”, the “calculated interest” is , “1716” (step S6 in FIG. 5).

続いて、利息計算部１０２ｃは、２明細の“計算利息”を合算することで（ステップＳ７）、同一返済日の利息計算期間における“請求利息”「３２４８」とする（ステップＳ８）。利息計算部１０２ｃは、この“請求利息”を “返済フラグ”＝「１」の明細に記録する。 Subsequently, the interest calculation unit 102c adds the "calculated interests" of the two items (step S7) to obtain "invoice interest" "3248" in the interest calculation period of the same repayment date (step S8). The interest calculation unit 102c records this "billing interest" in the description of "repayment flag"="1".

このように、本実施形態に係る利息計算装置１００は、“金利変更日”に約定日以外の日付を入力した場合でも、金利の変更前と変更後の２つの期間に分割し、各期間の金利に基づいて利息計算を行い、“計算利息”を合算することにより“請求利息”を求めることができるため、より細かい利息計算を自動で行うことが可能となり、スムーズに返済予定表を出力することができる。 As described above, the interest calculation apparatus 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 input in the “interest rate change date”. Interest can be calculated based on the interest rate, and the "claimed interest" can be obtained by adding the "calculated interest" together, making it possible to automatically calculate more detailed interest and smoothly output the repayment schedule. be able to.

以上述べたように、本実施形態に係る利息計算装置１００によれば、融資企業が融資条件に基づいて被融資企業が返済を行う返済予定表を作成する場合に、同一返済日の利息計算期間内で利息計算に関わる内容が変更しても、変更内容に応じた利息計算式を用いることで適正な利息計算を自動的に行うことができる。 As described above, according to the interest calculation device 100 according to the present embodiment, when the lending company creates the repayment schedule in which the repayment company repays based on the loan condition, the interest calculation period on the same repayment date. Even if the contents related to the interest calculation are changed, the appropriate interest calculation can be automatically performed by using the interest calculation formula according to the changed contents.

特に、本実施形態に係る利息計算装置１００によれば、同一返済日の利息計算期間内で利息計算に関わる内容が変更する場合として、同一返済日の利息計算期間内に閏年と閏年以外が混在したり、同一返済日の利息計算期間内に日割計算と月割計算が混在したり、あるいは、金利変更日が約定日以外に設定されたとしても、利息計算期間を利息計算に関わる内容が変る期間ごとに利息計算式を分けて計算を行い、合算することで、より細かい利息計算を自動で行うことが可能となり、スムーズに返済予定表を出力することができる。 In particular, according to the interest calculation apparatus 100 according to the present embodiment, when the content related to interest calculation changes within the interest calculation period of the same repayment date, leap years and non-leap years are mixed within the interest calculation period of the same repayment date. Even if the daily calculation and the monthly calculation are mixed within the interest calculation period on the same repayment date, or if the interest rate change date is set to a day other than the contract date, the content related to the interest calculation period is By calculating and summing the interest calculation formulas for each changing period, it is possible to automatically perform more detailed interest calculation and output the repayment schedule smoothly.

また、本実施形態に係る利息計算装置１００によれば、利息計算期間を分割した期間ごとに利息計算式を用いて利息計算を行うため、同一返済日のデータが複数明細できるが、返済フラグを用いて帳票出力対象となる明細を決め、当該明細に同一返済日の計算利息の合計値を登録することで、利息計算期間ごとに１明細の返済予定表を出力することができる。一般的なデータ構造であれば、複数の利息計算を持つ明細データと、返済日ごとに利息を合算した集計データでテーブルを分けている。しかしながら、本実施形態に係る利息計算装置１００は、返済予定データの特性上、データレコード数が多く、利息計算の明細が分割されることが少ないため、明細データと集計データでテーブルを分けずに、返済フラグを用いて運用することにより、データ保管コストの増加を抑えている。 Further, according to the interest calculation device 100 according to the present embodiment, since interest calculation is performed using the interest calculation formula for each period obtained by dividing the interest calculation period, a plurality of data of the same repayment date can be specified, but the repayment flag is set. It is possible to output a repayment schedule of one item for each interest calculation period by using the item to determine the item to be output and registering the total value of calculated interest on the same repayment date. If it is a general data structure, the table is divided into detailed data having a plurality of interest calculations and aggregated data obtained by adding interests for each repayment date. However, the interest calculation device 100 according to the present embodiment has a large number of data records due to the characteristics of the repayment scheduled data, and the details of the interest calculation are rarely divided. Therefore, the table is not divided between the detail data and the aggregated data. By using the repayment flag, the increase in data storage cost is suppressed.

また、本実施形態に係る利息計算装置１００によれば、“利息計算閏年判断区分”により閏年と閏年以外の期間とを分けて利息計算を行う「分かち計算」とするか、閏年か否かに関わらず常に年間日数を３６５日として利息計算を行う「３６５日固定」とするかを設定したり、“利息計算区分”により「日割計算」とするか、「月割計算」とするかを設定したりすることで、融資企業のニーズに合った利息計算を自動で行うことができる。 Further, according to the interest calculation apparatus 100 according to the present embodiment, whether the leap year and the period other than the leap year are calculated by dividing the leap year by the “interest calculation leap year determination category”, or whether the leap year is determined. Regardless of whether you want to set “365 days fixed”, which always calculates the number of days per year as 365 days, and whether to use “interest calculation” or “promotion calculation” according to “interest calculation category” By setting it, you can automatically calculate the interest calculation that suits the needs of the lender.

［４．他の実施形態］
本発明は、上述した実施形態以外にも、特許請求の範囲に記載した技術的思想の範囲内において種々の異なる実施形態にて実施されてよいものである。 [4. Other Embodiments]
The present invention may be implemented in various different embodiments within the scope of the technical idea described in the claims other than the above-described embodiments.

例えば、実施形態において説明した各処理のうち、自動的に行われるものとして説明した処理の全部または一部を手動的に行うこともでき、あるいは、手動的に行われるものとして説明した処理の全部または一部を公知の方法で自動的に行うこともできる。 For example, of the processes described in the embodiment, all or part of the processes described as being automatically performed may be manually performed, or all of the processes described as manually performed. Alternatively, a part thereof can be automatically performed by a known method.

また、本明細書中や図面中で示した処理手順、制御手順、具体的名称、各処理の登録データや検索条件等のパラメータを含む情報、画面例、データベース構成については、特記する場合を除いて任意に変更することができる。 In addition, unless otherwise specified, processing procedures, control procedures, specific names, information including parameters such as registration data and search conditions for each processing, screen examples, and database configurations shown in this specification and the drawings are excluded. Can be changed arbitrarily.

また、利息計算装置１００に関して、図示の各構成要素は機能概念的なものであり、必ずしも物理的に図示の如く構成されていることを要しない。 Further, regarding the interest calculation device 100, the illustrated constituent elements are functionally conceptual, and do not necessarily have to be physically configured as illustrated.

例えば、利息計算装置１００が備える処理機能、特に制御部１０２にて行われる各処理機能については、その全部または任意の一部を、ＣＰＵおよび当該ＣＰＵにて解釈実行されるプログラムにて実現してもよく、また、ワイヤードロジックによるハードウェアとして実現してもよい。尚、プログラムは、本実施形態で説明した処理を情報処理装置に実行させるためのプログラム化された命令を含む一時的でないコンピュータ読み取り可能な記録媒体に記録されており、必要に応じて利息計算装置１００に機械的に読み取られる。すなわち、ＲＯＭまたはＨＤＤ（Ｈａｒｄ Ｄｉｓｋ Ｄｒｉｖｅ）などの記憶部などには、ＯＳと協働してＣＰＵに命令を与え、各種処理を行うためのコンピュータプログラムが記録されている。このコンピュータプログラムは、ＲＡＭにロードされることによって実行され、ＣＰＵと協働して制御部１０２を構成する。 For example, the processing functions of the interest calculation apparatus 100, particularly the respective processing functions performed by the control unit 102, are realized by a CPU and a program interpreted and executed by the CPU. Alternatively, the hardware may be realized by wired logic. The program is recorded in a non-transitory computer-readable recording medium including programmed instructions for causing the information processing apparatus to execute the processing described in the present embodiment, and the interest calculation apparatus may be used as necessary. Mechanically read to 100. That is, in a storage unit such as a ROM or an HDD (Hard Disk Drive), a computer program for giving instructions to the CPU in cooperation with the OS and performing various processes is recorded. This computer program is executed by being loaded in the RAM, and constitutes the control unit 102 in cooperation with the CPU.

また、このコンピュータプログラムは、利息計算装置１００に対して任意のネットワークを介して接続されたアプリケーションプログラムサーバに記憶されていてもよく、必要に応じてその全部または一部をダウンロードすることも可能である。 Further, this computer program may be stored in an application program server connected to the interest calculation device 100 via an arbitrary network, and it is possible to download all or part of it as necessary. is there.

また、本実施形態で説明した処理を実行するためのプログラムを、一時的でないコンピュータ読み取り可能な記録媒体に格納してもよく、また、プログラム製品として構成することもできる。ここで、この「記録媒体」とは、メモリーカード、ＵＳＢ（Ｕｎｉｖｅｒｓａｌ Ｓｅｒｉａｌ Ｂｕｓ）メモリ、ＳＤ（Ｓｅｃｕｒｅ Ｄｉｇｉｔａｌ）カード、フレキシブルディスク、光磁気ディスク、ＲＯＭ、ＥＰＲＯＭ（Ｅｒａｓａｂｌｅ Ｐｒｏｇｒａｍｍａｂｌｅ Ｒｅａｄ Ｏｎｌｙ Ｍｅｍｏｒｙ）、ＥＥＰＲＯＭ（登録商標）（Ｅｌｅｃｔｒｉｃａｌｌｙ Ｅｒａｓａｂｌｅ ａｎｄ Ｐｒｏｇｒａｍｍａｂｌｅ Ｒｅａｄ Ｏｎｌｙ Ｍｅｍｏｒｙ）、ＣＤ−ＲＯＭ（Ｃｏｍｐａｃｔ Ｄｉｓｋ Ｒｅａｄ Ｏｎｌｙ Ｍｅｍｏｒｙ）、ＭＯ（Ｍａｇｎｅｔｏ−Ｏｐｔｉｃａｌ ｄｉｓｋ）、ＤＶＤ（Ｄｉｇｉｔａｌ Ｖｅｒｓａｔｉｌｅ Ｄｉｓｋ）、および、Ｂｌｕ−ｒａｙ（登録商標） Ｄｉｓｃ等の任意の「可搬用の物理媒体」を含むものとする。 Further, the program for executing the processing described in the present embodiment may be stored in a non-transitory 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 (registered). (Trademark) (Electrically Erasable and Programmable Read Only Memory), CD-ROM (Compact Disk Read Only Memory), MO (Magneto-Optical disk), MO (Magneto-Optical disk), etc. It shall include any "portable physical medium".

また、「プログラム」とは、任意の言語または記述方法にて記述されたデータ処理方法であり、ソースコードまたはバイナリコード等の形式を問わない。なお、「プログラム」は必ずしも単一的に構成されるものに限られず、複数のモジュールやライブラリとして分散構成されるものや、ＯＳに代表される別個のプログラムと協働してその機能を達成するものをも含む。なお、実施形態に示した各装置において記録媒体を読み取るための具体的な構成および読み取り手順ならびに読み取り後のインストール手順等については、周知の構成や手順を用いることができる。 The "program" is a data processing method described in any language or description method, and may be in any form such as source code or binary code. Note that the "program" is not necessarily limited to a single configuration, and it achieves its function in cooperation with a distributed configuration of a plurality of modules and libraries, and a separate program represented by an OS. Including things. Note that 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 embodiment, and the installation procedure after reading.

記憶部１０６に格納される各種のデータベース等は、ＲＡＭ、ＲＯＭ等のメモリ装置、ハードディスク等の固定ディスク装置、フレキシブルディスク、および、光ディスク等のストレージ手段であり、各種処理やウェブサイト提供に用いる各種のプログラム、テーブル、データベース、および、ウェブページ用ファイル等を格納する。 Various databases and the like stored in the storage unit 106 are storage devices such as a memory device such as a RAM and a ROM, a fixed disk device such as a hard disk, a flexible disk, and an optical disk, and various types used for various processes and website provision. Stores programs, tables, databases, web page files, and the like.

また、利息計算装置１００は、既知のパーソナルコンピュータまたはワークステーション等の情報処理装置として構成してもよく、また、任意の周辺装置が接続された当該情報処理装置として構成してもよい。また、利息計算装置１００は、当該情報処理装置に本実施形態で説明した処理を実現させるソフトウェア（プログラムまたはデータ等を含む）を実装することにより実現してもよい。 Further, the 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 any peripheral device is connected. Further, the interest calculation apparatus 100 may be realized by mounting software (including a program, data, or the like) for realizing the processing described in the present embodiment on the information processing apparatus.

さらに、装置の分散・統合の具体的形態は図示するものに限られず、その全部または一部を、各種の付加等に応じてまたは機能付加に応じて、任意の単位で機能的または物理的に分散・統合して構成することができる。すなわち、上述した実施形態を任意に組み合わせて実施してもよく、実施形態を選択的に実施してもよい。 Further, the specific form of the dispersion/integration of the devices is not limited to that shown in the drawings, and all or a part of them may be functionally or physically in arbitrary units according to various additions or addition of functions. It can be distributed and integrated. That is, the embodiments described above may be implemented in any combination, or the embodiments may be selectively implemented.

本発明は、借入金の返済予定管理にも応用可能なため何れの業界でも適用可能であるが、特に、金融商品の開発に必須の利息計算を行う融資業界において有用である。 INDUSTRIAL APPLICABILITY The present invention can be applied to any industry because it can be applied to repayment schedule management of borrowed money, and is particularly useful in the lending industry for performing interest calculation necessary for developing financial products.

１００ 利息計算装置
１０２ 制御部
１０２ａ 融資条件作成部
１０２ｂ 返済予定表作成部
１０２ｃ 利息計算部
１０４ 通信インターフェース部
１０６ 記憶部
１０６ａ 融資申込データテーブル
１０６ｂ 返済予定データテーブル
１０６ｃ カレンダーマスタ
１０８ 入出力インターフェース部
１１２ 入力装置（キーボード）
１１４ 出力装置（モニタ）
２００ サーバ
３００ ネットワーク 100 interest calculation device 102 control unit 102a loan condition creation unit 102b repayment schedule creation unit 102c interest calculation unit 104 communication interface unit 106 storage unit 106a loan application data table 106b repayment scheduled data table 106c calendar master 108 input/output interface unit 112 input device (keyboard)
114 Output device (monitor)
200 server 300 network

Claims (6)

融資条件に基づいて作成される返済予定表の利息計算を行う制御部を備えた利息計算装置であって、
前記制御部は、
融資企業から被融資企業に対して融資を行う融資条件を作成する融資条件作成手段と、
前記融資条件に基づいて前記被融資企業が返済を行う返済予定表を作成する返済予定表作成手段と、
前記返済予定表の作成時に、同一返済日の利息計算期間内で利息計算に関わる内容が変更した場合、利息計算に関わる内容が異なる期間ごとに利息計算式を分けて計算を行い、前記返済予定表の返済データを作成する利息計算手段と、
を備えることを特徴とする利息計算装置。 An interest calculation device comprising a control unit for calculating interest on a repayment schedule created based on loan conditions,
The control unit is
A loan condition creating means for creating a loan condition for providing a loan from a loan company to a loan recipient company;
A repayment schedule creating means for creating a repayment schedule for the repayable company to repay on the basis of the loan condition;
If the content related to interest calculation changes within the interest calculation period of the same repayment date when the repayment schedule is created, the interest calculation formula is divided and calculated for each period with different content related to interest calculation, and the repayment schedule Interest calculation means to create repayment data in the table,
An interest calculation device comprising: 前記利息計算手段は、
前記同一返済日のデータが複数明細ある場合に、返済フラグを用いて帳票出力対象となる明細を決め、当該明細に同一返済日の計算利息の合計値を登録すること、
を特徴とする請求項１に記載の利息計算装置。 The interest calculation means,
When there are multiple items of data for the same repayment date, a repayment flag is used to determine the item to be the form output target, and the total value of the calculated interest on the same repayment date is registered in the item.
The interest calculation apparatus according to claim 1, wherein: 前記利息計算手段は、
利息計算区分として日割計算と月割計算のいずれかを選択して利息計算を行うこと、
を特徴とする請求項１または２に記載の利息計算装置。 The interest calculation means,
Select either daily prorate calculation or monthly prorate calculation as the interest calculation category and calculate the interest,
The interest calculation device according to claim 1 or 2. 前記利息計算手段は、
前記同一返済日の利息計算期間内で利息計算に関わる内容が変更した場合として、同一返済日の利息計算期間内に閏年と閏年以外が混在する場合、同一返済日の利息計算期間内に日割計算と月割計算が混在する場合、あるいは、金利変更日が約定日以外の場合であること、
を特徴とする請求項１〜３のいずれか一つに記載の利息計算装置。 The interest calculation means,
If the content related to interest calculation changes within the interest calculation period on the same repayment date, and if leap years and non-leap years are mixed within the interest calculation period on the same repayment date, the prorate will be calculated within the interest calculation period on the same repayment date. If the calculation and the monthly installment are mixed, or if the interest rate change date is other than the contract date,
The interest calculation device according to any one of claims 1 to 3. 融資条件に基づいて作成される返済予定表の利息計算を行う制御部を備えた利息計算装置で実行される利息計算方法であって、
前記制御部で実行される、
融資企業から被融資企業に対して融資を行う融資条件を作成する融資条件作成ステップと、
前記融資条件に基づいて前記被融資企業が返済を行う返済予定表を作成する返済予定表作成ステップと、
前記返済予定表の作成時に、同一返済日の利息計算期間内で利息計算に関わる内容が変更した場合、利息計算に関わる内容が異なる期間ごとに利息計算式を分けて計算を行い、前記返済予定表の返済データを作成する利息計算ステップと、
を含むことを特徴とする利息計算方法。 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 for creating a loan condition for providing a loan from a loan company to a loan recipient company;
A repayment schedule creation step for creating a repayment schedule for the repayment company to make a repayment based on the loan condition;
If the content related to interest calculation changes within the interest calculation period of the same repayment date when the repayment schedule is created, the interest calculation formula is divided and calculated for each period with different content related to interest calculation, and the repayment schedule An interest calculation step that creates repayment data for the table,
An interest calculation method comprising: 融資条件に基づいて作成される返済予定表の利息計算を行う制御部を備えた利息計算装置で実行させるための利息計算プログラムであって、
前記制御部で実行させるための、
融資企業から被融資企業に対して融資を行う融資条件を作成する融資条件作成ステップと、
前記融資条件に基づいて前記被融資企業が返済を行う返済予定表を作成する返済予定表作成ステップと、
前記返済予定表の作成時に、同一返済日の利息計算期間内で利息計算に関わる内容が変更した場合、利息計算に関わる内容が異なる期間ごとに利息計算式を分けて計算を行い、前記返済予定表の返済データを作成する利息計算ステップと、
を含むことを特徴とする利息計算プログラム。 An interest calculation program to be executed by an interest calculation device having a control unit for calculating interest of a repayment schedule created based on loan conditions,
To be executed by the control unit,
A loan condition creating step for creating a loan condition for providing a loan from a loan company to a loanee company;
A repayment schedule creation step for creating a repayment schedule for the repayment company to make a repayment based on the loan condition;
If the content related to interest calculation changes within the interest calculation period of the same repayment date when the repayment schedule is created, the interest calculation formula is divided and calculated for each period with different content related to interest calculation, and the repayment schedule An interest calculation step that creates repayment data for the table,
An interest calculation program characterized by including.
JP2019017959A 2019-02-04 2019-02-04 Interest calculation device, interest calculation method and interest calculation program Active JP7269022B2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
JP2019017959A JP7269022B2 (en) 2019-02-04 2019-02-04 Interest calculation device, interest calculation method and interest calculation program

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
JP2019017959A JP7269022B2 (en) 2019-02-04 2019-02-04 Interest calculation device, interest calculation method and interest calculation program

Publications (2)

Publication Number Publication Date
JP2020126412A true JP2020126412A (en) 2020-08-20
JP7269022B2 JP7269022B2 (en) 2023-05-08

Family

ID=72084915

Family Applications (1)

Application Number Title Priority Date Filing Date
JP2019017959A Active JP7269022B2 (en) 2019-02-04 2019-02-04 Interest calculation device, interest calculation method and interest calculation program

Country Status (1)

Country Link
JP (1) JP7269022B2 (en)

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2000339391A (en) * 1999-05-31 2000-12-08 Japan Research Institute Ltd Funds centralized control system, computer used in the same, its operating method and medium for recording program to control computer
JP2002236800A (en) * 2001-02-09 2002-08-23 Sony Corp Device/method for aggregating transaction information on financial transaction, recording medium with program for carrying out the device stored thereon and recording medium with program for carrying out the method stored thereon
JP2005316576A (en) * 2004-04-27 2005-11-10 Takahiro Ikeno Data processing system for additional margin loan in share credit transaction
JP2010160627A (en) * 2009-01-07 2010-07-22 Mizuho Bank Ltd Support system for loan business, method of supporting loan business, and support program for loan business
JP2016134031A (en) * 2015-01-20 2016-07-25 ヤフー株式会社 Generation device, generation method, and generation program
JP2016192201A (en) * 2015-03-30 2016-11-10 株式会社オービック Commutation traveling expenses change adjustment device, commutation traveling expenses change adjustment method, and commutation traveling expenses change adjustment program
JP2018163584A (en) * 2017-03-27 2018-10-18 株式会社オービック Loan management device, loan management method, and loan management program

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2000339391A (en) * 1999-05-31 2000-12-08 Japan Research Institute Ltd Funds centralized control system, computer used in the same, its operating method and medium for recording program to control computer
JP2002236800A (en) * 2001-02-09 2002-08-23 Sony Corp Device/method for aggregating transaction information on financial transaction, recording medium with program for carrying out the device stored thereon and recording medium with program for carrying out the method stored thereon
JP2005316576A (en) * 2004-04-27 2005-11-10 Takahiro Ikeno Data processing system for additional margin loan in share credit transaction
JP2010160627A (en) * 2009-01-07 2010-07-22 Mizuho Bank Ltd Support system for loan business, method of supporting loan business, and support program for loan business
JP2016134031A (en) * 2015-01-20 2016-07-25 ヤフー株式会社 Generation device, generation method, and generation program
JP2016192201A (en) * 2015-03-30 2016-11-10 株式会社オービック Commutation traveling expenses change adjustment device, commutation traveling expenses change adjustment method, and commutation traveling expenses change adjustment program
JP2018163584A (en) * 2017-03-27 2018-10-18 株式会社オービック Loan management device, loan management method, and loan management program

Also Published As

Publication number Publication date
JP7269022B2 (en) 2023-05-08

Similar Documents

Publication Publication Date Title
WO2005029274A2 (en) Method, system and program for credit risk management utilizing credit exposure
JP7085304B2 (en) Cost calculator, cost calculation method and cost calculation program
JP7042076B2 (en) Construction price processing equipment, construction price processing method, and construction price processing program
JP6943588B2 (en) Loan management equipment, loan management methods, and loan management programs
JP7079674B2 (en) Money transfer management support device, money transfer management support method and money transfer management support program
JP7144945B2 (en) Sales forecast simulation device, sales forecast simulation method and sales forecast simulation program
JP7441197B2 (en) Fixed asset system, depreciation calculation method, and depreciation calculation program
JP6923408B2 (en) Retroactive unit price correction device, retroactive unit price correction method, and retroactive unit price correction program
JP2020126412A (en) Interest calculating device, interest calculating method and interest calculating program
JP2022060924A (en) Credit management device, credit management program and credit management method
JP2020042405A (en) Content contingency fee distribution device and content contingency fee distribution method and content contingency fee distribution program
JP2020077243A (en) Proportional division execution device, proportional division execution method, and proportional division execution program
JP7333447B2 (en) Depreciation Cost Calculation Device, Depreciation Cost Calculation Method, and Depreciation Cost Calculation Program
JP2019113965A (en) Financing management device, financing management method, and financing management program
JP2020004296A (en) Difference amount management apparatus, difference amount management method and difference amount management program
JP7324162B2 (en) Cost output device, cost output method, and cost output program
JP7462500B2 (en) Project management device, project management method, and project management program
JP7328827B2 (en) Sales/Estimated Cost Calculation Device, Sales/Estimated Cost Calculation Method, and Sales/Estimated Cost Calculation Program
JP7132065B2 (en) In-House Interest Calculation Device, In-House Interest Calculation Method and In-House Interest Calculation Program
JP7112294B2 (en) Deposit schedule management device, deposit schedule management method, and deposit schedule management program
JP7198126B2 (en) Accrued revenue journal entry device, accrued revenue journal entry method, and accrued revenue journal entry program
JP7257766B2 (en) Product profit/loss management device, product profit/loss management method, and product profit/loss management program
JP7233192B2 (en) ACCOUNTING PROCESSING DEVICE, ACCOUNTING PROCESSING METHOD, AND ACCOUNTING PROCESSING PROGRAM
JP2024083094A (en) Loan management system, loan management method, and loan management program
JP2024102667A (en) Accounting management device, accounting management method, and accounting management program

Legal Events

Date Code Title Description
A621 Written request for application examination

Free format text: JAPANESE INTERMEDIATE CODE: A621

Effective date: 20211207

A977 Report on retrieval

Free format text: JAPANESE INTERMEDIATE CODE: A971007

Effective date: 20221012

A131 Notification of reasons for refusal

Free format text: JAPANESE INTERMEDIATE CODE: A131

Effective date: 20221108

A521 Request for written amendment filed

Free format text: JAPANESE INTERMEDIATE CODE: A523

Effective date: 20221201

TRDD Decision of grant or rejection written
A01 Written decision to grant a patent or to grant a registration (utility model)

Free format text: JAPANESE INTERMEDIATE CODE: A01

Effective date: 20230328

A61 First payment of annual fees (during grant procedure)

Free format text: JAPANESE INTERMEDIATE CODE: A61

Effective date: 20230421

R150 Certificate of patent or registration of utility model

Ref document number: 7269022

Country of ref document: JP

Free format text: JAPANESE INTERMEDIATE CODE: R150