JP5663626B2 - Credit bankruptcy management method and system using electronically recorded receivables - Google Patents

Credit bankruptcy management method and system using electronically recorded receivables Download PDF

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JP5663626B2
JP5663626B2 JP2013103394A JP2013103394A JP5663626B2 JP 5663626 B2 JP5663626 B2 JP 5663626B2 JP 2013103394 A JP2013103394 A JP 2013103394A JP 2013103394 A JP2013103394 A JP 2013103394A JP 5663626 B2 JP5663626 B2 JP 5663626B2
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佳子 小木曽
佳子 小木曽
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Sumitomo Mitsui Banking Corp
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Description

本発明は、電子記録債権を利用した方法及びシステムに関し、より詳細には、電子記録債権を利用した与信先破綻管理方法及びシステムに関する。   The present invention relates to a method and system using electronic record receivables, and more particularly to a method of managing a bankruptcy of a credit destination using electronic record receivables.

平成１９年６月に電子記録債権法が成立、公布され、平成２０年１２月に施行された。
電子記録債権は、電子債権記録機関の記録原簿に電子的に記録を行うことを、債権の発生及び譲渡の効力要件としている。電子記録債権は、従来の紙の手形に代わり、国から認可を受けた電子債権記録機関が債権者及び債務者の名前、支払い金額、ならびに支払期日などをコンピュータ上で管理し、手形のように譲渡及び換金等が可能となる。これにより、取引の安全性及び債権の流動化を促進するだけでなく、手形のペーパーレス化による管理業務の簡素化を図ることができる。 In June 2007, the Electronic Record Loan Act was enacted and promulgated, and was enforced in December 2008.
Electronically recorded receivables require that the electronic record is recorded electronically in a record ledger of an electronic receivables recording organization as a requirement for the generation and transfer of receivables. Electronic record receivables, instead of conventional paper bills, are managed by a computer-certified electronic receivables recording organization that manages the names of creditors and debtors, payment amounts, and due dates on computers. Transfer and cashing are possible. This not only facilitates transaction security and liquidity of receivables, but also simplifies management operations by reducing paper bills.

電子記録債権法では、利用者の利便性確保の観点から、電子債権記録機関が複数設立されることを前提としている。電子債権記録機関は大きく２つに分けて、いわゆるメガバンクにより設立された電子債権記録機関と、全国銀行協会により設立された電子債権記録機関とが存在する。   The Electronic Record Claims Act presupposes that multiple electronic bond recording institutions will be established from the viewpoint of ensuring user convenience. There are two main types of electronic bond recording institutions: electronic bond recording institutions established by so-called megabanks and electronic bond recording institutions established by national bank associations.

電子記録債権は、例えば、支払企業が、電子記録債権の債権金額、支払期日、債権者などを指定し、取引銀行を通じて発生記録請求を行うと、記録原簿に電子記録債権の発生記録が記録される。これにより、支払企業が債務者となる電子記録債権が発生する。電子記録債権の支払期日が到来すると、その債権金額が支払企業の口座から引き落とされ、債権者である受取企業の口座へ振込みが行われる。振込みが行われると、電子債権記録機関は支払が完了した旨を支払等記録として記録原簿に記録する。また、取引銀行を通じて電子債権記録機関に譲渡記録を請求し、記録原簿に記録されることで、電子記録債権を譲渡することもできる。   For example, when a paying company designates the amount, payment date, creditor, etc. of an electronically recorded receivable and requests an occurrence record through the bank, the record of the occurrence of the electronically recorded receivable is recorded in the record ledger. The As a result, an electronic record receivable in which the paying company becomes a debtor is generated. When the due date of the electronically recorded receivable comes, the amount of the receivable is withdrawn from the account of the paying company and transferred to the account of the receiving company that is the creditor. When the transfer is made, the electronic bond recording agency records that the payment is completed in the record book as a record of payment. In addition, the electronic record receivable can be transferred by requesting the transfer record from the electronic receivable recording organization through the bank and recording it in the record book.

ところで、上述したような電子記録債権の取り扱いにおいて、与信先である債権者企業が破綻した場合、早期かつ簡便に電子記録債権を留置したいというニーズが銀行に存在する。しかしながら、従来、そのような与信先破綻管理方法は実現されていなかった。   By the way, in the handling of electronic record receivables as described above, there is a need for banks to detain electronic record receivables quickly and easily when a creditor company as a credit bankrupt. However, conventionally, such a bankruptcy management method has not been realized.

本発明は、このような問題に鑑みてなされたものであり、その目的とするところは、電子記録債権を利用した与信先破綻管理方法及びシステムを提供することにある。本発明によると、取引先（与信先）が破綻した場合に、銀行決済口座を債権者口座とする既存の電子記録債権を一括して留置することができ、また、破綻情報を登録しておくことで、新規に発生した電子記録債権も自動的に譲渡させ、留置することができ、それに係る事務手続きや事後管理の負担を軽減することができる。   The present invention has been made in view of such problems, and an object of the present invention is to provide a credit failure management method and system using an electronically recorded bond. According to the present invention, when a business partner (credit customer) goes bankrupt, it is possible to detain existing electronically recorded receivables with a bank settlement account as a creditor account in a lump, and to register bankruptcy information. Thus, newly generated electronic record receivables can be automatically transferred and detained, and the burden of office procedures and subsequent management can be reduced.

このような目的を達成するために、本発明の一実施形態に係る発明は、電子記録債権の記録原簿を管理する電子債権記録機関システムに接続された、与信先破綻管理システムであって、前記電子債権記録機関システム又は銀行端末から、破綻情報を受信する手段と、前記受信した破綻情報を登録する手段と、前記破綻情報が登録された口座の電子記録債権を抽出し、前記破綻情報に応じて前記抽出した電子記録債権の譲渡記録請求データを作成する手段と、前記譲渡記録請求データを前記電子債権記録機関システムに送信する手段とを備えたことを特徴とする。   In order to achieve such an object, the invention according to an embodiment of the present invention is a credit failure management system connected to an electronic bond recording institution system that manages a record book of electronic record bonds, A means for receiving bankruptcy information from an electronic bond recording institution system or a bank terminal, a means for registering the received bankruptcy information, and an electronically recorded claim for an account in which the bankruptcy information is registered, and according to the bankruptcy information Means for creating transfer record request data for the extracted electronic record receivable, and means for transmitting the transfer record request data to the electronic receivable recording institution system.

また、本発明の一実施形態に係る発明は、電子記録債権の記録原簿を管理する電子債権記録機関システムに接続された、与信先破綻管理システムであって、前記電子債権記録機関システム又は銀行端末から、破綻情報を受信する手段と、前記受信した破綻情報を登録する手段と、破綻先を債権者とする発生記録請求又は譲渡記録請求データを受信し、電子記録債権を登録する手段と、前記新たな電子記録債権が登録されると、前記破綻情報に応じて前記新たな電子記録債権の譲渡記録請求データを作成する手段と、前記作成した譲渡記録請求データを前記電子債権記録機関システムに送信する手段とを備えたことを特徴とする。   The invention according to an embodiment of the present invention is a credit failure management system connected to an electronic bond recording institution system that manages a record book of electronic record receivables, the electronic bond recording institution system or the bank terminal Means for receiving failure information, means for registering the received failure information, means for receiving occurrence record request or transfer record request data with the bankrupt as a creditor, and registering electronic record receivable, When a new electronic record receivable is registered, a means for creating transfer record request data for the new electronic record receivable according to the bankruptcy information, and transmitting the created transfer record request data to the electronic receivable recording institution system And a means for performing.

本発明の一実施形態に係る電子記録債権を利用した与信先破綻管理方法のスキームを示す図である。It is a figure which shows the scheme of the credit failure management method using the electronic record receivable concerning one Embodiment of this invention. 本発明の一実施形態に係る電子記録債権の与信先破綻管理システムの構成図である。It is a block diagram of the credit failure management system of the electronic record receivable concerning one Embodiment of this invention. 本発明の一実施形態に係る電子記録債権の与信先破綻管理方法の処理フロー図である。It is a processing flow figure of the credit failure management method of the electronic record loan concerning one embodiment of the present invention. 本発明の一実施形態に係る電子記録債権の与信先破綻管理方法の処理フロー図である。It is a processing flow figure of the credit failure management method of the electronic record loan concerning one embodiment of the present invention.

以下に、図面を参照して、本発明に係る電子記録債権を利用した与信先破綻管理方法及びシステムついて詳細に説明する。   Hereinafter, a credit failure management method and system using an electronically recorded claim according to the present invention will be described in detail with reference to the drawings.

図１は、本発明に係る電子記録債権を利用した与信先破綻管理方法のスキームを示す。まず、図１を参照して、破綻した取引先に既に登録されている電子記録債権（既存債権）と、取引先が破綻した後に発生する電子記録債権（新規発生債権）について、本発明に係る与信先破綻管理システム及び方法のスキームを説明する。   FIG. 1 shows a scheme of a bankruptcy management method using an electronically recorded bond according to the present invention. First, referring to FIG. 1, according to the present invention, an electronic record receivable (existing receivable) that has already been registered with a bankrupt supplier and an electronic record receivable (newly generated receivable) that occurs after the customer has failed The scheme of the credit failure management system and method will be described.

（既存債権）
取引先口座１０に電子記録債権１、２、３が既に登録されている場合、取引先が破綻したという情報を受信し、それが登録されると、既存の電子記録債権１、２、３について銀行を譲渡先とする譲渡記録請求データを作成し、一括して銀行口座２０への譲渡登録を行う。 (Existing claims)
If electronically recorded receivables 1, 2, and 3 are already registered in customer account 10, information indicating that the customer has failed is received, and when it is registered, existing electronically recorded receivables 1, 2, 3 Transfer record request data with the bank as the transfer destination is created, and transfer registration to the bank account 20 is performed collectively.

（新規発生債権）
破綻したことが既に登録されている取引先口座１０に対して、発生記録請求によって電子記録債権４が登録された場合、また、譲渡記録請求によって電子記録債権５が登録された場合、もしくは破綻先を債権者とする記録の訂正によって電子記録債権６が登録された場合、受取と同時に、個別に銀行を譲渡先とする譲渡記録請求データを作成し、銀行口座２０への譲渡登録を行う。 (Newly generated loans)
When the electronic record receivable 4 is registered by the occurrence record request, the electronic record receivable 5 is registered by the transfer record request, or the bankrupt When the electronic record receivable 6 is registered by correcting the record with the creditor as a creditor, at the same time as receipt, transfer record request data with the bank as the transfer destination is created individually, and transfer registration to the bank account 20 is performed.

このようにして、本発明では、取引先が破綻した場合に、既存の電子記録債権を一括して銀行へ譲渡し、また、破綻情報を登録しておくことで、新規に発生した電子記録債権を受取と同時に銀行へ譲渡する。また、譲渡結果を出力することにより、破綻した取引先から銀行へ譲渡された電子記録債権を、容易に管理することができる。   In this way, in the present invention, when a business partner fails, existing electronic record receivables are transferred to a bank in a lump, and failure information is registered, so that newly generated electronic record receivables are obtained. Are transferred to the bank at the same time of receipt. Further, by outputting the transfer result, it is possible to easily manage the electronic record receivable transferred from the bankrupt business partner to the bank.

さらに、取引先の破綻状況を細分化して管理することにより、破綻状況に応じた電子記録債権の譲渡が可能となる。   Furthermore, by subdividing and managing the bankruptcy status of business partners, it becomes possible to transfer electronic record receivables according to the bankruptcy status.

図２は、本発明の一実施形態に係る電子記録債権の与信先破綻管理システムの構成を示す。   FIG. 2 shows a configuration of a credit failure management system for an electronic record loan according to an embodiment of the present invention.

本発明の一実施形態に係る与信先破綻管理システムは、電子記録債権の記録原簿を管理する電子債権記録機関システム２０１に通信回線を介して接続された電子債権記録機関連携システム（ＤＲＳ）２０３を備え、電子債権記録機関システム２０１から企業の破綻情報を受信し、電子記録債権の発生記録請求データや譲渡記録請求データを送受信することができる。   A credit failure management system according to an embodiment of the present invention includes an electronic bond recording organization linkage system (DRS) 203 connected to an electronic bond recording institution system 201 that manages a record book of electronic record loans through a communication line. In addition, it can receive corporate failure information from the electronic bond recording institution system 201, and can send and receive electronic record bond occurrence record request data and transfer record request data.

電子債権記録機関連携システム（ＤＲＳ）２０３は、破綻情報取得部２０５、破綻先登録部２０７、電子記録債権ＤＢ（データベース）２１１、債権情報作成部２１３、及び、債権情報送受信部２１５を備える。また、一つ又は複数の銀行端末２０９から、破綻情報を受け取ることができる。   The electronic bond recording institution linkage system (DRS) 203 includes a bankruptcy information acquisition unit 205, a bankruptcy destination registration unit 207, an electronic recording bond DB (database) 211, a bond information creation unit 213, and a bond information transmission / reception unit 215. In addition, failure information can be received from one or a plurality of bank terminals 209.

破綻情報取得部２０５は、電子債権記録機関システム２０１から破綻情報を取得する。   The default information acquisition unit 205 acquires default information from the electronic bond recording institution system 201.

破綻先登録部２０７は、破綻情報取得部２０５が取得した破綻情報を電子記録債権ＤＢ２１１に登録する。具体的には、取得した破綻情報に基づいて、破綻した取引先口座に破綻フラグを登録する。また、破綻先登録部２０７は、銀行端末２０９から入力された破綻情報（破綻フラグ）を、電子記録債権ＤＢ２１１に登録することもできる。   The bankruptcy destination registration unit 207 registers the bankruptcy information acquired by the bankruptcy information acquisition unit 205 in the electronic record bond DB 211. More specifically, the bankruptcy flag is registered in the bankrupt customer account based on the acquired bankruptcy information. The bankruptcy destination registration unit 207 can also register the bankruptcy information (failure flag) input from the bank terminal 209 in the electronic record bond DB 211.

ここで、破綻フラグについてより詳細に説明する。破綻フラグとは、下記表１に示すように、取引先の破綻状況（ステータス）を示し、破綻状況に応じて異なる値となる。   Here, the failure flag will be described in more detail. As shown in Table 1 below, the bankruptcy flag indicates the bankruptcy status (status) of the business partner, and has different values depending on the bankruptcy status.

Figure 0005663626
Figure 0005663626

破綻フラグは、取引先が正常先である場合は「０」、借入の約定返済延滞先である場合は「１」、期限の利益喪失先である場合は「２」、法的整理先である場合は「３」となる。破綻フラグに応じた既存債権及び新規債権に対する処理については後述する。   The default flag is “0” if the business partner is normal, “1” if the borrower is past due, and “2” if the business is losing the due date. In this case, “3” is set. Processing for existing claims and new claims according to the bankruptcy flag will be described later.

電子記録債権ＤＢ２１１は、電子記録債権情報を管理する。具体的には、取引先口座や銀行口座が登録されており、登録された電子記録債権や、取引先の破綻フラグなどが管理される。   The electronic record loan DB 211 manages electronic record bond information. Specifically, customer accounts and bank accounts are registered, and registered electronic record receivables, bankruptcy flags of business partners, and the like are managed.

債権情報作成部２１３は、電子記録債権ＤＢ２１１から所定の電子記録債権を抽出し、譲渡記録請求データを作成する。また、受信した発生記録請求又は譲渡記録請求データに基づいて、電子記録債権ＤＢ２１１に電子記録債権を登録する。   The bond information creation unit 213 extracts a predetermined electronic record bond from the electronic record bond DB 211 and creates transfer record request data. In addition, the electronic record receivable is registered in the electronic record receivable DB 211 based on the received occurrence record request or transfer record request data.

債権情報送受信部２１５は、電子債権記録機関システム２０１に対して、電子記録債権の発生記録請求及び譲渡記録請求データなどの記録請求データや請求結果を送受信する。   The bond information transmission / reception unit 215 transmits / receives record request data and request results, such as an electronic record bond occurrence record request and transfer record request data, to / from the electronic bond recording institution system 201.

なお、電子債権記録機関連携システム２０３及び銀行端末２０９を構成する１つ又は複数のコンピュータは、処理装置（ＣＰＵ）、メモリ、記憶装置などを備え、メモリ又は記憶装置に記憶されたコンピュータプログラムを処理装置（ＣＰＵ）が処理することによって統括的に制御され、本発明に係る処理を実施し、その機能を実現することができる。図２を参照して上述したシステム構成は、例示のためのものであり、本発明を実施することができるシステム構成を限定するものではない。   One or more computers constituting the electronic bond recording institution cooperation system 203 and the bank terminal 209 include a processing device (CPU), a memory, a storage device, and the like, and process a computer program stored in the memory or the storage device. The device (CPU) performs overall control by processing, and the processing according to the present invention can be performed to realize the function. The system configuration described above with reference to FIG. 2 is for illustration, and does not limit the system configuration in which the present invention can be implemented.

図３は、本発明の一実施形態に係る電子記録債権の与信先破綻管理方法の処理フローを示す。まず、破綻した取引先に既に登録されている電子記録債権（既存債権）の処理フローについて説明する。   FIG. 3 shows a processing flow of the credit failure management method for an electronic record loan according to an embodiment of the present invention. First, the processing flow of an electronic record receivable (existing receivable) that has already been registered with a bankrupt business partner will be described.

ステップ３０１において、電子債権記録機関連携システム（ＤＲＳ）２０３の破綻情報取得部２０５は、電子債権記録機関システム２０１から取引先の破綻情報を受信する。破綻情報を受信すると、ステップ３０３に示すように、破綻先登録部２０７が受信した破綻情報を電子記録債権ＤＢ２１１に登録する。具体的には、電子記録債権ＤＢ２１１で管理されている取引先口座に破綻フラグを登録する。また、破綻情報（破綻フラグ）は、ステップ３０５に示すように、銀行端末２０９から入力することもできる。   In step 301, the failure information acquisition unit 205 of the electronic bond recording institution cooperation system (DRS) 203 receives the failure information of the business partner from the electronic bond recording institution system 201. When the failure information is received, the failure information received by the failure destination registration unit 207 is registered in the electronic record bond DB 211 as shown in step 303. Specifically, the bankruptcy flag is registered in the customer account managed in the electronic record bond DB 211. Further, the failure information (failure flag) can also be input from the bank terminal 209 as shown in step 305.

次いで、ステップ３０７において、債権情報作成部２１３が、破綻した取引先が債権者となっている電子記録債権を、電子記録債権ＤＢ２１１から抽出する。具体的には、破綻フラグが登録されている取引先の決済口座が債権者決済口座として記録されている電子記録債権を抽出する。   Next, in step 307, the claim information creation unit 213 extracts from the electronic record claim DB 211, the electronic record claim that the bankrupt business partner is a creditor. Specifically, the electronically recorded receivable in which the settlement account of the business partner in which the bankruptcy flag is registered is recorded as the creditor settlement account is extracted.

次いで、ステップ３０８に示すように、債権情報作成部２１３は、破綻情報が「借入の約定返済延滞先」（破綻フラグが１）を示す場合、抽出した電子記録債権から約定返済分を分割し、銀行を譲受人とする譲渡記録請求データを作成する。破綻情報が「期限の利益喪失先」（破綻フラグが２）を示す場合、ステップ３０９に示すように、銀行口座Ａを譲受人決済口座とする譲渡記録請求データを作成する。また、破綻情報が「法定整理先」（破綻フラグが３）を示す場合、ステップ３１０に示すように、銀行口座Ｂを譲受人決済口座とする譲渡記録請求データを作成する。すなわち、取引先の破綻状況が「期限の利益喪失先」であるか、又は「法定整理先」であるかに応じて、異なる銀行口座を譲受人決済口座とする譲渡記録請求データを作成する。   Next, as shown in step 308, when the failure information indicates “the borrower's promised repayment arrears” (failure flag is 1), the bond information creation unit 213 divides the promised repayment from the extracted electronically recorded bond, Create transfer record request data with the bank as the transferee. If the bankruptcy information indicates “destination profit lost” (bankrupt flag is 2), as shown in step 309, transfer record request data with bank account A as the transferee settlement account is created. If the bankruptcy information indicates “legal arrangement destination” (failure flag is 3), as shown in step 310, transfer record request data having the bank account B as the transferee settlement account is created. That is, transfer record request data having a different bank account as the transferee settlement account is created according to whether the bankruptcy status of the business partner is “destination profit lost” or “statutory organization”.

次いで、ステップ３１１において、作成された譲渡記録請求データは、債権情報送受信部２１５によって電子債権記録機関システム２０１へ送信される。   Next, in step 311, the created transfer record request data is transmitted to the electronic bond recording institution system 201 by the bond information transmitting / receiving unit 215.

電子債権記録機関システム２０１において電子記録債権の譲渡登録がなされた後、債権情報送受信部２１５は、譲渡登録後の債権情報を電子債権記録機関システム２０１から受信し、債権情報作成部２１３が電子記録債権ＤＢ２１１に登録する。なお、破綻先が「借入の約定返済延滞先」である場合、譲渡が完了した後に、破綻情報を「正常先」（破綻フラグが０）に更新する。   After the transfer registration of the electronic record receivable is performed in the electronic bond recording institution system 201, the receivable information transmission / reception unit 215 receives the receivable information after the transfer registration from the electronic bond recording institution system 201, and the receivable information creation unit 213 performs the electronic record recording. Register in the bond DB 211. When the bankruptcy party is “the borrower's promised repayment destination”, the bankruptcy information is updated to “normal bankruptcy” (the bankruptcy flag is 0) after the transfer is completed.

このようにして、破綻した取引先の既存債権が銀行へ一括して譲渡される。また、破綻状況に応じた電子記録債権の譲渡が実行される。   In this way, the existing claims of the bankrupt business partners are transferred to the bank all at once. In addition, transfer of electronic record receivables is executed according to the bankruptcy situation.

次いで、図４を参照して、取引先が破綻したことを登録した後に発生する電子記録債権（新規発生債権）の処理フローについて説明する。   Next, with reference to FIG. 4, the processing flow of electronically recorded receivables (newly generated receivables) that occur after registering that the customer has failed will be described.

ステップ４０１において、電子債権記録機関連携システム（ＤＲＳ）２０３の破綻情報取得部２０５は、電子債権記録機関システム２０１から取引先の破綻情報を受信する。破綻情報を受信すると、ステップ４０３に示すように、破綻先登録部２０７が受信した破綻情報を電子記録債権ＤＢ２１１に登録する。具体的には、電子記録債権ＤＢ２１１で管理されている取引先口座に破綻フラグを登録する。また、破綻情報は、ステップ４０５に示すように、銀行端末２０９から入力することもできる。   In step 401, the failure information acquisition unit 205 of the electronic bond recording institution cooperation system (DRS) 203 receives the failure information of the business partner from the electronic bond recording institution system 201. When the failure information is received, the failure information received by the failure destination registration unit 207 is registered in the electronic record bond DB 211 as shown in step 403. Specifically, the bankruptcy flag is registered in the customer account managed in the electronic record bond DB 211. The failure information can also be input from the bank terminal 209 as shown in step 405.

次いで、ステップ４０７において、債権情報送受信部２１５が、破綻先を債権者とする電子記録債権の発生記録請求又は譲渡記録請求データ、もしくは破綻先を債権者とする記録の訂正データを受信すると、債権情報作成部２１３が電子記録債権ＤＢ２１１に登録する。   Next, in step 407, when the claim information transmission / reception unit 215 receives the record request for the generation or transfer record of the electronic record receivable with the bankrupt as the creditor, or the correction data of the record with the bankrupt as the creditor, The information creation unit 213 registers in the electronic record bond DB 211.

新たな電子記録債権（新規発生債権）が登録されると、ステップ４０８〜４１０に示すように、債権情報作成部２１３が、取引先の破綻状況に応じて譲渡記録請求データを作成する。具体的には、ステップ４０８に示すように、破綻情報が「借入の約定返済延滞先」（破綻フラグが１）を示す場合、債権情報作成部２１３は、抽出した電子記録債権から約定返済分を分割し、銀行を譲受人とする譲渡記録請求データを作成する。破綻情報が「期限の利益喪失先」（破綻フラグが２）を示す場合、ステップ４０９に示すように、銀行口座Ａを譲受人決済口座とする譲渡記録請求データを作成する。また、破綻情報が「法定整理先」（破綻フラグが３）を示す場合、ステップ４１０に示すように、銀行口座Ｂを譲受人決済口座とする譲渡記録請求データを作成する。すなわち、取引先の破綻状況が「期限の利益喪失先」であるか、又は「法定整理先」であるかに応じて、異なる銀行口座を譲受人決済口座とする譲渡記録請求データを作成する。   When a new electronic record receivable (newly generated receivable) is registered, as shown in steps 408 to 410, the receivable information creation unit 213 creates transfer record request data according to the bankruptcy status of the business partner. Specifically, as shown in step 408, when the bankruptcy information indicates “the borrower's promised repayment arrears” (failure flag is 1), the bond information creation unit 213 obtains the promised repayment from the extracted electronic record loan. Divide and create transfer record request data with the bank as the transferee. If the bankruptcy information indicates “destination profit lost” (bankrupt flag is 2), as shown in step 409, transfer record request data with bank account A as the transferee settlement account is created. If the bankruptcy information indicates “legal arrangement destination” (the bankruptcy flag is 3), transfer record request data is created with the bank account B as the transferee settlement account as shown in step 410. That is, transfer record request data having a different bank account as the transferee settlement account is created according to whether the bankruptcy status of the business partner is “destination profit lost” or “statutory organization”.

次いで、ステップ４１１において、作成された譲渡記録請求データは、債権情報送受信部２１５によって電子債権記録機関システム２０１へ送信される。   Next, in step 411, the created transfer record request data is transmitted to the electronic bond recording institution system 201 by the bond information transmitting / receiving unit 215.

電子債権記録機関システム２０１において電子記録債権の譲渡記録がなされた後、債権情報送受信部２１５は、譲渡記録後の債権情報を電子債権記録機関システム２０１から受信し、債権情報作成部２１３が電子記録債権ＤＢ２１１に登録する。   After the transfer record of the electronic record receivable is made in the electronic bond record institution system 201, the receivable information transmission / reception unit 215 receives the receivable information after the transfer record from the electronic receivable record institution system 201, and the receivable information creation unit 213 performs the electronic record Register in the bond DB 211.

このようにして、破綻した取引先の新規発生債権も銀行へ譲渡される。また、破綻状況に応じた電子記録債権の譲渡が実行される。   In this way, newly generated receivables of bankrupt business partners are also transferred to the bank. In addition, transfer of electronic record receivables is executed according to the bankruptcy situation.

以上説明したように、本発明によると、取引先（与信先）が破綻した場合に、与信を行なっている銀行の決済口座を債権者口座とする既存の電子記録債権を一括して譲渡させ、留置することができる。また、破綻情報を登録しておくことで、新規に発生したり受領したりした電子記録債権も自動的に譲渡させ、留置することができる。さらに、破綻状況に応じた電子記録債権の譲渡が可能となる。このように破綻した取引先の電子記録債権を自動的に処理することで、事務手続きや事後管理の負担を軽減することができる。   As described above, according to the present invention, when a business partner (creditor) fails, existing electronically recorded receivables whose creditor account is a settlement account of a bank that performs credit are collectively transferred, Can be detained. Also, by registering bankruptcy information, newly generated or received electronic record receivables can be automatically transferred and detained. In addition, electronic record receivables can be transferred according to the bankruptcy situation. By automatically processing the electronic record receivables of the bankrupt business partner in this way, it is possible to reduce the burden of office procedures and post management.

２０１ 電子債権記録機関システム
２０３ 電子債権記録機関連携システム（ＤＲＳ）
２０５ 破綻情報取得部
２０７ 破綻先登録部
２０９ 銀行端末
２１１ 電子記録債権ＤＢ
２１３ 債権情報作成部
２１５ 債権情報送受信部 201 Electronic Debt Record Institution System 203 Electronic Debt Record Institution Cooperation System (DRS)
205 Bankruptcy Information Acquisition Unit 207 Bankruptcy Registration Unit 209 Bank Terminal 211 Electronic Record Claim DB
213 Claim Information Creation Department 215 Claim Information Transmission / Reception Department

Claims (5)

電子記録債権の記録原簿を管理する電子債権記録機関システムに接続された、与信先破綻管理システムであって、
前記電子債権記録機関システム又は銀行端末から、銀行の与信先の破綻情報を受信する手段と、
前記受信した破綻情報を前記与信先の決済口座に登録する手段と、
前記破綻情報が登録された与信先の決済口座が債権者決済口座として記録されている電子記録債権を抽出し、前記破綻情報に応じて前記抽出した電子記録債権を前記銀行に譲渡するための譲渡記録請求データを作成する手段と、
前記譲渡記録請求データを前記電子債権記録機関システムに送信する手段と
を備えたことを特徴とするコンピュータシステム。 A bankruptcy management system connected to an electronic bond recording institution system that manages the record base of electronic record loans,
Means for receiving bankruptcy information of a bank credit from the electronic bond recording institution system or bank terminal;
Means for registering the received bankruptcy information in the credit account settlement account ;
A transfer for extracting an electronically recorded receivable in which the settlement account of the creditee in which the bankruptcy information is registered is recorded as a creditor settlement account, and transferring the extracted electronically recorded receivable to the bank according to the bankruptcy information Means for creating record request data;
A computer system comprising: means for transmitting the transfer record request data to the electronic bond recording institution system. 電子記録債権の記録原簿を管理する電子債権記録機関システムに接続されたコンピュータシステムにおける、与信先破綻管理方法であって、
前記電子債権記録機関システム又は銀行端末から、銀行の与信先の破綻情報を受信するステップと、
前記受信した破綻情報を前記与信先の決済口座に登録するステップと、
前記破綻情報が登録された与信先の決済口座が債権者決済口座として記録されている電子記録債権を抽出し、前記破綻情報に応じて前記抽出した電子記録債権を前記銀行に譲渡するための譲渡記録請求データを作成するステップと、
前記作成した譲渡記録請求データを前記電子債権記録機関システムに送信するステップと
を含むことを特徴とする方法。 A credit failure management method in a computer system connected to an electronic bond recording institution system that manages a record ledger of electronic record loans,
Receiving bankruptcy information of a bank credit from the electronic bond recording institution system or a bank terminal; and
Registering the received bankruptcy information in the credit account settlement account ;
A transfer for extracting an electronically recorded receivable in which the settlement account of the creditee in which the bankruptcy information is registered is recorded as a creditor settlement account, and transferring the extracted electronically recorded receivable to the bank according to the bankruptcy information Creating record request data;
Transmitting the created transfer record request data to the electronic bond recording institution system. 電子記録債権の記録原簿を管理する電子債権記録機関システムに接続された、与信先破綻管理システムであって、
前記電子債権記録機関システム又は銀行端末から、銀行の与信先の破綻情報を受信する手段と、
前記受信した破綻情報を前記与信先の決済口座に登録する手段と、
破綻した前記与信先の決済口座を債権者決済口座とする発生記録請求又は譲受人決済口座とする譲渡記録請求データ、もしくは破綻した前記与信先の決済口座を債権者決済口座とする記録の訂正データを受信し、対象の電子記録債権を登録する手段と、
前記新たな電子記録債権が登録されると、前記破綻情報に応じて前記新たな電子記録債権を前記銀行に譲渡するための譲渡記録請求データを作成する手段と、
前記作成した譲渡記録請求データを前記電子債権記録機関システムに送信する手段と
を備えたことを特徴とするコンピュータシステム。 A bankruptcy management system connected to an electronic bond recording institution system that manages the record base of electronic record loans,
Means for receiving bankruptcy information of a bank credit from the electronic bond recording institution system or bank terminal;
Means for registering the received bankruptcy information in the credit account settlement account ;
Record of correction data to be bankrupt assignment records billing data or bankrupt the borrowers of the settlement account of the creditor settlement account, and accrual record claim or assignee settlement account to the borrowers of the settlement account of the creditor settlement account And means for registering the subject electronic record receivable,
Means for creating transfer record request data for transferring the new electronic record receivable to the bank in response to the bankruptcy information when the new electronic record receivable is registered;
A computer system comprising: means for transmitting the created transfer record request data to the electronic bond recording institution system. 電子記録債権の記録原簿を管理する電子債権記録機関システムに接続されたコンピュータシステムにおける、与信先破綻管理方法であって、
前記電子債権記録機関システム又は銀行端末から、銀行の与信先の破綻情報を受信するステップと、
前記受信した破綻情報を前記与信先の決済口座に登録するステップと、
破綻した前記与信先の決済口座を債権者決済口座とする発生記録請求又は譲受人決済口座とする譲渡記録請求データ、もしくは破綻した前記与信先の決済口座を債権者決済口座とする記録の訂正データを受信し、電子記録債権を登録するステップと、
前記新たな電子記録債権が登録されると、前記破綻情報に応じて前記新たな電子記録債権を前記銀行に譲渡するための譲渡記録請求データを作成するステップと、
前記作成した譲渡記録請求データを前記電子債権記録機関システムに送信するステップと
を含むことを特徴とする方法。 A credit failure management method in a computer system connected to an electronic bond recording institution system that manages a record ledger of electronic record loans,
Receiving bankruptcy information of a bank credit from the electronic bond recording institution system or a bank terminal; and
Registering the received bankruptcy information in the credit account settlement account ;
Record of correction data to be bankrupt assignment records billing data or bankrupt the borrowers of the settlement account of the creditor settlement account, and accrual record claim or assignee settlement account to the borrowers of the settlement account of the creditor settlement account Receiving and registering electronic record receivables;
When the new electronic record receivable is registered, creating transfer record request data for transferring the new electronic record receivable to the bank according to the failure information;
Transmitting the created transfer record request data to the electronic bond recording institution system. 請求項２又は４のいずれかに記載の方法をコンピュータシステムに実行させるコンピュータプログラム。   The computer program which makes a computer system perform the method in any one of Claim 2 or 4.
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