GUARANTEE FEE PROFIT PREDICTING DEVICE, GUARANTEE FEE PROFIT PREDICTING METHOD AND GUARANTEE FEE PROFIT PREDICTING PROGRAM

• Main Authors: MIZUNO KATSUYA, UENO TAKEMITSU, YOROZU AKI, NAKA SHINSAKU
• Format: Patent
• Language: English; Japanese
• Published: 01.05.2024
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

To provide a guarantee fee profit predicting device, a guarantee fee profit predicting method and a guarantee fee profit predicting program that enable a prediction for a guarantee fee profit in accordance with a future balance before repayment from information coordinated from a financial agency at a timing at which the contract of a guarantee is settled.SOLUTION: A guarantee fee profit predicting device according to this embodiment includes a control unit. The control unit is accessible to contract data and a guarantee fee managing master. The control unit includes: a guarantee fee calculating unit that calculates a lump-sum guarantee fee based on the contract data and on the guarantee fee managing master; an expanding unit that creates repayment schedule data based on the contract data and on applied-time guarantee contract data; a totalizing unit that calculates a balance cumulative number total from the balance cumulative number for each month in the repayment schedule data; a guarantee annual rate calculating unit that calculates a guarantee annual rate by dividing the lump-sum guarantee fee by the balance cumulative number total; and a predicting unit that predicts the guarantee fee profit based on the balance before repayment for each month in the repayment schedule data, and on the guarantee annual rate of the guarantee contract data.SELECTED DRAWING: Figure 2 【課題】保証の契約が確定したタイミングで金融機関から連携される情報から、将来の返済前残高に応じた保証料収益を予測できるようにする保証料収益予測装置、保証料収益予測方法及び保証料収益予測プログラムを提供することを課題とする。【解決手段】本実施形態では、制御部を備える保証料収益予測装置であって、制御部は、契約データと、保証料管理マスタと、にアクセス可能であり、制御部は、契約データと保証料管理マスタとに基づいて一括保証料を算出する保証料算出部と、契約データと申込時保証契約データとに基づき、返済予定データを作成する展開部と、返済予定データの各月の残高積数から残高積数合計を算出する合計部と、一括保証料を残高積数合計で割ることによって保証年率を算出する保証年率算出部と、返済予定データの各月の返済前残高と、保証契約データの保証年率とに基づき、保証料収益を予測する予測部と、を備えることを特徴とする。【選択図】図２