JP2006309369A - Fund investment managing system and its method, fund investment managing program, and storage medium storing the program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide borrowing and provision of funds in accordance with respective desired conditions of a fund borrower and a fund provider. <P>SOLUTION: The fund investment managing system is for matching a fund borrower and a fund provider in an optimum combination. It is provided with a personal information file 2 storing personal information including information relevant to a repayment term inputted by the fund borrower in coordination with a management ID, a fund composing means 15 for carrying out ascertainment of a repayment term on the basis of the information relevant to the repayment term inputted by the fund borrower, and composing a plurality of types of funds in coordination with the ascertained repayment term, and an individual management table 5 anonymizing and managing the personal information by the management ID, and storing the ascertained repayment term, and information relevant to each fund composed by the fund composing means 15. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a fund operation management system and method for matching a fund borrower and a fund provider in an optimal combination, a fund operation management program, and a storage medium storing the program.

  In recent years, in Japan, with the rapid aging of the population, it is expected that the amount of pensions received will decrease and the burden of medical expenses will increase. Under such circumstances, recently, a loan system called “Reverse Mortgage” has attracted attention as a means for elderly people to raise funds for living after retirement. This reverse mortgage is used when a senior citizen lives in his / her own house, receives a loan from the local government or a financial institution for living expenses after retirement, and secures residential assets such as the owner's house or land. This is to repay the loan in a lump by selling the assets. For the elderly who are the borrowers, there are advantages such as being able to secure living funds after retirement while staying home without leaving their homes. (The applicant did not know the prior art documents related to the present invention because he invented based on the publicly known / public prior art.)

  However, in the reverse mortgage described above, the repayment deadline is uncertain, and if the borrower lives longer than originally expected, the loan amount will be larger than the collateral evaluation amount or the land price will fall. Due to risks, it was not so popular.

  In the United States, there is a business that purchases death insurance at about 20-80% for end-of-life insurance policyholders such as AIDS patients, and this may be applied to elderly people. There was a problem that there was a risk of causing moral risks in hotbeds and insurance contracts.

  Furthermore, it is possible to borrow a policyholder's loan from an insurance company and borrow funds after retirement. In this case, however, there was a problem that it was possible to borrow only within the scope of cancellation refund.

  The present invention has been made to solve the above-described problems, and can be used to determine the repayment deadline, and fund operation management that allows a borrower and a fund provider to borrow and provide funds according to their own desired conditions. It is intended to provide a system and its method.

  The present invention is a fund operation management system for matching a fund borrower and a fund provider with an optimal combination, and stores personal information input by the fund borrower in association with a management ID. And fund composition means for establishing a plurality of types of funds in association with the confirmed repayment deadline based on the personal information input by the fund borrower, The personal information is anonymized and managed by the management ID, and includes an individual management table for storing information on each fund formed by the fixed repayment deadline and the fund composition means. And

  Preferably, the personal information input by the fund borrower includes information on the content of collateral, and the collateral evaluation for evaluating the collateral based on the information on the content of collateral input by the fund borrower. And a risk calculation means for calculating a risk based on the collateral evaluation result by the collateral evaluation means and the settled repayment deadline, and the fund composition means includes the risk calculation means. It is preferable that the plurality of types of funds are formed based on the calculated risk.

  Further, based on information on the repayment deadline input by the fund provider, fund selection means for selecting a specific fund from the plurality of types of funds, and on information on the risk input by the fund provider, You may provide the priority repayment level determination means for determining a priority repayment level in the fund selected by the fund selection means.

  In addition, the fund provider may be configured to be able to input information regarding interest rate receiving conditions.

  Furthermore, the fund borrower side terminal for the fund borrower to input personal information, and the fund provider side terminal for the fund provider to input personal information including information on repayment deadline and risk The fund borrower side terminal, the fund provider side terminal, the individual management table, and the fund composition means may be connected to each other via an information communication network.

  Furthermore, the collateral evaluation means and the risk calculation means may be further connected to each other via the information communication network, and the fund selection means, the priority repayment level determination means, May be connected to each other via the information communication network.

  The present invention is also a fund operation management method for matching a fund borrower and a fund provider in an optimal combination, wherein the personal information input by the fund borrower is associated with a management ID in a personal information file Storing the information on the basis of the personal information input by the fund borrower, determining the repayment deadline, and associating the fund repayment means with a plurality of types of funds in association with the fixed repayment deadline. The composition step and the personal information are anonymized and managed by the management ID, and the time limit determined by the time limit determination processing means and information about each fund formed by the fund composition means are stored in the individual management table And a step of performing.

  Preferably, the personal information input by the fund borrower includes information on the content of collateral, and the collateral evaluation means evaluates the collateral based on information on the content of collateral input by the fund borrower. And a step of calculating a risk by the risk calculation means based on a collateral evaluation result by the collateral evaluation means and the fixed repayment deadline, and a step of forming a fund by the fund composition means Preferably, the method includes the step of forming the plurality of types of funds based on the risk calculated by the risk calculating means.

  Further, based on the information on the repayment deadline input by the fund provider, the fund selection means selects a specific fund from the plurality of types of funds, and on the basis of the information on the risk input by the fund provider, The repayment level determination means may comprise a step of determining a priority repayment level in the fund selected by the fund selection means.

  Furthermore, the fund provider may further include a step of inputting information relating to a condition for receiving the interest rate.

  Furthermore, the present invention is a fund operation management program for causing a computer to execute each of the steps described above, and a storage medium readable by a computer storing the program.

  According to the present invention, it is possible to finalize the repayment deadline, and it is possible to efficiently provide a fund that meets the needs of the fund borrower and the fund provider. Therefore, the operability and safety of funds can be improved, and the use of funds can be expanded.

  In addition, since personal information can be anonymized, personal information can be reliably protected, and various excellent effects such as elimination of moral risk can be obtained.

  Hereinafter, embodiments of the present invention will be described with reference to the drawings.

First, referring to FIG. 1, a fund operation management system according to an embodiment of the present invention will be described. Here, FIG. 1 is a block diagram showing the configuration of the fund management system according to the present embodiment.

  The fund management system according to the present embodiment includes a personal information management server 1, a personal information file 2, a risk condition table 3 installed in a first business operator, and an application & database server 4 installed in a second business enterprise, An individual management table 5, a fund composition table 6, a management source file 7, a sales completion file 8, a web server 9, and a fund provider's terminal 10 are schematically configured. The personal information management server 1, personal information file 2, risk condition table 3, application & database server 4, individual management table 5, fund composition table 6, management source file 7, and sales completion file 8 are connected to the web server 9. The web server 9 and the fund provider's terminal 10 are placed in an environment connected to each other via the Internet 11.

  Personal information management server 1 is the name of the borrower, age, gender, health status such as the degree of nursing care and medical history, living alone in a home or living in a special nursing home, insurance contract status, desired borrowing amount, A data input unit 12 for inputting personal information about the borrower, such as repayment deadline and collateral, and a management ID creation unit 13 for creating a management ID in association with the personal information input by the fund borrower The personal information file 2 stores the personal information in association with the management ID. The risk condition table 3 stores conditions for calculating preliminary risks such as time risk, default risk and legal risk.

  The application & database server 4 includes a fund origination unit 15 for creating a plurality of types of funds in association with repayment deadlines determined based on information on repayment deadlines entered by the fund borrower, and input by the fund borrower. The collateral evaluation unit 16 for evaluating the collateral based on the information on the content of the collateral, the risk calculation unit 17 for calculating the default risk, and the plurality of types based on the information on the repayment deadline input by the fund provider Fund selection unit 18 for selecting a specific fund from among the funds, and priority repayment level determination for determining the priority repayment level in the fund selected by the fund selection unit 18 based on information on risk input by the fund provider The unit 19 is mainly configured. In the individual management table 5, the personal information is anonymized and managed by the management ID, and information regarding each fund formed by the established time limit and the fund composition unit 15 is stored. It has become. Further, the fund composition table 6 stores information related to products for which purchase contracts have been completed, so that product management efficiency can be improved.

  Next, the fund management method according to the present embodiment will be described with reference to FIGS. 1 and 2 to 8. Here, FIG. 2 is a flowchart showing a processing procedure when registering personal information of the borrower in the fund management system, FIG. 3 is a flowchart showing a collateral evaluation processing procedure, and FIG. 4 is a risk calculation processing and fund composition. FIG. 5 is a flowchart showing a processing procedure for introducing a product to a fund provider, FIG. 6 is a flowchart showing a processing procedure for product selection processing, and FIG. 7 is a processing procedure for sales completion processing. FIG. 8 is a flowchart showing the processing procedure of the payment list creation process.

  First, with reference to FIG. 2, a processing procedure when a fund borrower registers personal information will be described.

  When the borrower inputs personal information including information related to the repayment date and the collateral contents from the data input unit 12 of the personal information management server 1 (S101), is the personal information management server 1 input with predetermined contents? If it is determined whether or not the predetermined content has been input, the fund borrower is prompted to input the predetermined content. When the personal information management server 1 determines that the predetermined content is input, the management ID creation unit 13 creates a management ID in association with the personal information, and uses the management ID as the personal information. Assign (S103), store and register in personal information file 2 (S104).

  Next, collateral evaluation processing is performed in step 200, risk calculation processing and fund composition processing are performed in step 300, and the processing results are stored in the individual management table 5 in an anonymized state by the management ID, respectively. Are registered (S105). Details of the collateral evaluation process, the risk calculation process, and the fund composition process will be described later.

  Next, the procedure of the collateral evaluation process will be described in detail with reference to FIG.

  In the application & database server 4, the collateral evaluation unit 16 first determines whether or not the right of mortgage can be set based on the personal information of the borrower registered in the personal information file 2 (S201). When the right cannot be set, the acceptance is rejected (S202), and when the mortgage right can be set, the process proceeds to the next step 203.

  In step 203, the collateral evaluation unit 16 determines whether or not the root mortgage can be set based on the personal information. If the collateral evaluating unit 16 determines that the root mortgage cannot be set, the process proceeds to step 204, where the root mortgage is set. If it is determined that the right can be set, the process proceeds to step 205. Thereafter, in each step after step 204 and 205, the fund borrower makes public insurance such as long-term care insurance and welfare annuity insurance (indicated by 0 in FIG. 3), life insurance (indicated by 1 in FIG. 3). ) And home (shown as 2 in FIG. 3), a determination is made as to which collateral is to be provided.

  That is, in steps 204 and 205, the collateral evaluation unit 16 determines whether or not there is an intention to provide all public insurance, life insurance and home as collateral. In steps 206 and 207, A determination is made whether there is an intention to provide both insurance and life insurance as collateral, and in steps 208 and 209 a determination is made whether there is an intention to provide both life insurance and home as collateral, and In step 210 and step 211, it is determined whether there is an intention to provide both home and public insurance as collateral.

  And according to the judgment result of the collateral evaluation part 16 in each said steps 204-211, the collateral evaluation part 16 performs collateral evaluation (S212).

  Next, the processing procedure of the risk calculation process and the fund composition process will be described in detail with reference to FIG. In the following description, the processing procedure of the risk calculation process and the fund composition process when life insurance is set as collateral will be described as an example.

  In the application & database server 4, first, based on the personal information of the borrower registered in the personal information file 2, it is determined whether or not the life insurance premium has been delinquent (S 301). Further, it is determined whether or not the number of non-payments is 2 times or less (S302). If the number of non-payments exceeds 2, the acceptance is rejected (S303). When it is determined in step 302 that the number of non-payment of insurance premiums is 2 or less, the risk calculation unit 17 determines the default risk in this case based on the risk calculation conditions stored in the risk condition table 3. Is calculated (S304).

  On the other hand, if it is determined in step 301 that there is no experience of non-payment of life insurance premiums, whether or not the borrower wishes to make the repayment date a fixed due date based on the personal information. When the determination is made (S305) and it is determined that the fixed deadline is desired, the risk calculation unit 17 calculates the default risk in this case based on the risk calculation conditions stored in the risk condition table 3. (S306).

  If it is determined in step 305 that the borrower does not want the payment due date to be fixed, the age, gender, and nursing care required by the fund borrower entered by the application and database server 4 An average life expectancy is calculated from personal information regarding the health condition such as degree and medical history (S307), and in the next step 308, it is determined by estimation whether the calculated average life expectancy is within five years. If it is determined that the life expectancy exceeds 5 years, it is further determined in the next step 309 whether or not the borrowing conditions are updated every 5 years based on the personal information. If it is determined that it is not desired to update every year, acceptance is rejected (S310).

  On the other hand, if it is determined in step 308 that the life expectancy of the fund borrower is within 5 years, and in step 309 it is determined that the fund borrower wishes to update the borrowing conditions every 5 years. If it is determined, the risk calculation unit 17 calculates the default risk in each case in step 311 and step 312 based on the risk calculation conditions stored in the risk condition table 3.

  As described above, when the risk calculation process for calculating the time risk and the default risk in each case is completed based on the repayment date determined by the personal information or the estimation, a plurality of types of funds are formed according to the risk. Fund formation processing is performed.

  That is, in step 313, it is determined whether or not the risk calculated in steps 304 and 306 is 5% or less. If the risk is 5% or less, the first fund is formed (S314). The acceptance is rejected (S315).

  Similarly, in step 316 and step 317, it is determined whether the risk calculated in steps 311 and 312 is 5% or less. If the risk is 5% or less, the second fund and the third fund are formed respectively. (S318, S319) If it exceeds 5%, acceptance is rejected (S315, S310).

  Next, with reference to FIG. 5, a processing procedure for introducing a product to a fund provider will be described.

  When the fund provider inputs personal information including the loan amount, repayment date, risk and other loan conditions from the terminal 10 of the fund provider (S401), the personal information is sent to the web server 9 via the Internet 11. It is transmitted and it is checked whether or not the predetermined content is input (S402), and if it is determined that the predetermined content is not input, the fund provider is prompted to input the predetermined content. . On the other hand, when it is determined in step 402 that the predetermined content has been input, in the next step 500, a product selection process is performed. Details of the product selection process will be described later.

  The product selection result in the product selection process is transmitted to the fund provider's terminal 10 via the Internet 11 via the web server 9 (S403), and a product purchase contract is signed with the fund provider. Exchanged (S404).

  In addition, the application & database server 4 receives the interest rate in mileage or points, or receives it in cash or in the form of providing a nursing care service, etc. to the fund provider in the step 401. It is also possible to input interest rate receiving conditions and process the input contents to be reflected in the purchase contract of the product.

  Next, the processing procedure of the product selection process will be described in detail with reference to FIG.

  In the application & database server 4, first, the fund selection unit determines whether or not the fund provider wishes to set the repayment due date based on the personal information of the fund provider transmitted from the terminal 10 of the fund provider. 18 (S501). As a result, when it is determined that the fund provider desires a fixed deadline, it is determined whether or not the principal and interest guarantee is desired (S502), and when it is determined that the principal and interest guarantee is not desired. Further, it is determined whether the risk desired by the fund provider is 10% or less (S503). Then, the priority repayment level determination unit 19 calculates and determines the priority repayment level of the first fund according to the determination results of steps 502 and 503 (S504).

  That is, if it is determined in step 502 that the fund provider wants to guarantee the principal and interest, the priority loan of the first priority repayment level of the first fund is selected, and the fund provider desires in step 503. If it is determined that the risk is 10% or less, a subordinated loan with the second preferred repayment level of the first fund is selected, and the fund provider desires a risk exceeding 10% in step 503. If it is determined, the subordinated loan that is the third priority repayment level of the first fund is selected.

  If it is determined in step 501 that the fund provider does not want the repayment date to be a fixed date, in the next step 505, based on the personal information of the fund provider, It is determined whether the provider wishes to limit the repayment deadline within 5 years. If it is determined that the funding provider in the previous period does not want to limit the funding within 5 years, the funding provider updates the funding conditions every 5 years in the next step 506. If it is determined whether or not it is desired, and if it is determined that this is not desired, the transaction is not established (S507).

  On the other hand, if it is determined in step 505 that the fund provider wants to settle the repayment date within 5 years, and the fund provider updates the repayment date every 5 years in step 506. Is determined in step 508 and step 509, respectively, it is determined whether or not the principal and interest guarantee is desired. If not, step 510 and step 511 are further performed. It is determined whether or not it is desired to reduce the risk to 10% or less. Then, the priority repayment level determination unit 19 calculates and determines the priority repayment level of the second fund according to the determination results of the steps 508, 510 and 509, 511 (S512, 513).

  That is, if it is determined in step 508 that the fund provider wants to guarantee the principal and interest, the priority loan of the first priority repayment level of the second fund is selected, and in step 510, the fund provider requests If it is determined that the risk is less than 10%, a subordinated loan with the second priority repayment level of the second fund is selected, and the funder wants a risk of more than 10% in step 510 If it is determined, the second subordinated loan, which is the third priority repayment level of the second fund, is selected.

  Similarly, if it is determined in step 509 that the fund provider desires a guarantee of principal and interest, a priority loan of the first priority repayment level of the third fund is selected, and in step 511 the fund provider If it is determined that the desired risk is 10% or less, a subordinated loan with the second priority repayment level of the third fund is selected, and the fund provider hopes for a risk exceeding 10% in step 511. If it is determined that there is, the third subordinated loan, which is the third priority repayment level of the third fund, is selected.

  As described above, one of the first to third funds is selected based on the settled repayment deadline, and the first to third funds are further selected according to the risk calculated by the risk calculation unit 17. Priority repayment levels are selected for each.

  Next, the processing procedure of the sales completion process will be described with reference to FIG.

  When a purchase contract is established with the fund provider, the individual management table 5 is read (S601), and it is determined whether or not the product for which the contract is established has been sold out (S602). As a result, if it is determined that the product has been sold out, the process proceeds to the next step 603. If not, the above process is repeated until the product is sold out.

  In step 603, a sold-out flag is set for the product in the individual management table 5, and it is recorded in the management source file 7 that the total loan amount has reached the desired borrowing amount (S604), and the sold-out product. And the merchandise management number are recorded in the sales completion file 8 (S605). Next, in step 606, it is determined whether or not a completion flag has been set for all the products in the individual management table 5, and the above process is repeated until it is determined that a completion flag has been set for all the products.

  Next, the processing procedure of the payment list creation process will be described with reference to FIG.

  When the sales are completed, the sales completion file 8 is read (S701), a completion flag is set for the corresponding borrower of the individual information file 2 (S702), and necessary information such as the name of the borrower, the borrowing amount, etc. Listed and output (S703). Next, in step 704, it is determined whether all funds borrowers in the personal information file have been flagged as complete, and the above process is repeated until it is determined that all funds borrowers have been flagged as complete. .

  As described above, according to the fund management system and method according to the above-described embodiment, it is efficient for the borrower based on the amount, period, and interest rate according to his / her conditions, using existing insurance as collateral. Can be funded, and can be more effective than supplementing the public pension insurance system. In addition, the fund provider can make a substantially safe loan secured by the insurance of a good insurance company while the payoff is lifted. In addition, you can participate in funding even on a small scale, you can also choose real benefits, and if you lend in the priority frame, the safety is further enhanced, while if you lend in the subordinated frame, the operability increases. Therefore, it is possible to efficiently provide funds that meet the desired conditions to both the borrower and the fund provider.

  In addition, by using the fund operation management system and method according to the present embodiment, it is possible to construct a circulation system such as a mutual aid system for the four items of retirement, hospitalization, housing construction, and school expenses. In addition, the conventional push-type insurance sales method can be strategicized to a pull type, and it is possible to achieve a revolutionary reduction in sales costs.

  In the above-described embodiment, the personal information of the borrower is input from the personal information server 1 installed in the first business operator, but this is merely an example. It is also possible to connect the borrower's terminal to the web server 9 via the Internet so that the borrower can input from a place other than the first provider such as home.

  In addition, it is possible to configure the fund composition table 6 so that a bank account terminal can be connected. In this case, it becomes possible to more efficiently manage the product after the purchase contract is completed.

  Furthermore, in the above-described embodiment, the implementation in an environment where the web server 9 and the fund provider terminal 10 are connected to each other via the Internet 11 has been described. However, this is merely an example. Needless to say, the present invention can be implemented in other information communication network environments such as a small-scale LAN.

It is a block diagram which shows the structure of the fund operation management system which concerns on embodiment of this invention. It is a flowchart which shows the process sequence at the time of registering personal information of a fund borrower in the fund management system in embodiment of this invention. It is a flowchart which shows the process sequence of the collateral evaluation process in the fund management system in embodiment of this invention. It is a flowchart which shows the process sequence of the risk calculation process in the fund management system in embodiment of this invention, and a fund composition process. It is a flowchart which shows the process sequence at the time of introducing goods to a fund provider in the fund management system in embodiment of this invention. It is a flowchart which shows the process sequence of the goods selection process in the fund operation management system in embodiment of this invention. It is a flowchart which shows the process sequence of the sales completion process in the fund management system in embodiment of this invention. It is a flowchart which shows the process sequence of the payment list creation process in the fund management system in embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Personal information management server 2 Personal information file 5 Individual management table 10 Fund provider's terminal 11 Internet 13 Management ID creation part 15 Fund composition part 16 Collateral evaluation part 17 Risk calculation part 18 Fund selection part 19 Priority repayment level determination part

Claims (13)

A fund operation management system for matching a borrower and a fund provider in an optimal combination,
A personal information file that stores personal information input by the borrower in association with a management ID;
Based on the personal information input by the fund borrower, a repayment date is confirmed, and a fund composition means for composing a plurality of types of funds in association with the confirmed repayment date;
Anonymizing and managing the personal information by the management ID, and an individual management table for storing information on each fund formed by the fixed repayment deadline and the fund composition means,
Fund management system characterized by comprising. The personal information input by the fund borrower includes information on the content of collateral, and based on information on the content of collateral input by the fund borrower, collateral evaluation means for evaluating collateral,
A risk calculating means for calculating a risk based on the collateral evaluation result by the collateral evaluating means and the determined repayment deadline;
The fund management system according to claim 1, further comprising: the fund composition unit configured to compose the plurality of types of funds based on the risk calculated by the risk calculation unit. A fund selection means for selecting a specific fund from the plurality of types of funds based on information on repayment deadlines entered by the fund provider;
Priority repayment level determination means for determining a priority repayment level in the fund selected by the fund selection means based on information on the risk input by the fund provider;
The fund operation management system according to claim 2, comprising: The fund management system according to claim 3, wherein the fund provider is configured to be able to input information regarding interest rate receiving conditions. A fund borrower side terminal for the fund borrower to input personal information; and a fund provider side terminal for the fund provider to enter personal information including information on repayment deadline and risk. The fund borrower side terminal, the fund provider side terminal, the individual management table, and the fund composition unit are connected to each other via an information communication network. Fund management system. 6. The fund operation management system according to claim 5, wherein the collateral evaluation unit and the risk calculation unit are further connected to each other via the information communication network. The fund operation management system according to claim 6, wherein the fund selection means and the priority repayment level determination means are further connected to each other via the information communication network. A fund operation management method for matching a borrower and a fund provider in an optimal combination,
Storing the personal information input by the borrower in a personal information file in association with a management ID;
Based on the personal information entered by the borrower, confirming the repayment date;
In association with the fixed repayment deadline, the fund composition means composes a plurality of types of funds;
Managing the personal information anonymized by the management ID, and storing the time limit determined by the time limit determination processing means and information on each fund formed by the fund composition means in an individual management table;
A fund management method characterized by comprising: The personal information input by the fund borrower includes information on the content of collateral, and the collateral evaluation means evaluates the collateral based on the information on the content of collateral input by the fund borrower;
A risk calculating means calculating a risk based on the collateral evaluation result by the collateral evaluating means and the fixed repayment deadline;
9. The method according to claim 8, further comprising the step of forming a fund by the fund forming means includes forming the plurality of types of funds based on the risk calculated by the risk calculating means. Fund management method. A fund selection means selecting a specific fund from the plurality of types of funds based on information on a repayment deadline entered by the fund provider;
A step in which a priority repayment level determination unit determines a priority repayment level in the fund selected by the fund selection unit based on information on the risk input by the fund provider;
The fund operation management method according to claim 9, comprising: The fund operation management method according to claim 10, further comprising a step of inputting information related to a condition for receiving interest by the fund provider. The fund operation management program for making a computer perform each step as described in any one of Claims 8-11. A computer-readable storage medium storing the program according to claim 12.

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