JP2001338140A - Method for mediating financing - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a financing mediating method enabling a financier, especially a personal financier, to directly finance an enterprise at ease and obtain higher interests and enabling the financed enterprise to utilize funds of lower interests. SOLUTION: Investigation management information for investigating and managing the superiority of an enterprise to be financed is stored in a computer readable file as a data base, and at the time of mediating financing, an enterprise to be mediated about financing is read out from the data base and the enterprise to be financed is mediated to a financier and mediation expenses such as an investigation/management cost for investigating and managing the superiority of the financed enterprise, a guarantee cost for guaranteeing the interests of a financier's financing principal and/or financing amount and the registration cost of loan business are claimed from the interest of the financing amount which is paid from the financed enterprise.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a loan mediation method for mediating a loan to a company, for example.

[0002]

2. Description of the Related Art For example, if an individual lender provides a loan directly to a company, there is no intermediate margin, so that high interest can be obtained, and a company receives a loan at a low interest rate. It is an effective fund management for both sides.

[0003] For example, as an operation example in which personal funds are loaned to a venture company, personal funds are deposited in a bank, and a bank lends funds to a non-bank, from which the venture company borrows funds. Can be considered.

According to such fund management, since the bank and the non-bank have an intermediate margin, the interest received by the individual is low, and the interest paid by the venture company is inevitably high.

[0005] Therefore, it is beneficial for both that individual lenders provide loans directly to companies. However,
This fund management is based on the premise that the companies receiving direct loans are excellent companies.

[0006] However, individual lenders are often completely uncertain about the excellent corporate qualities of the borrowers, such as the growth potential, profitability, soundness, and production efficiency of the borrowers, and it is important that individual lenders investigate themselves. Is almost impossible, and as a result, it cannot be realized even if individual lenders intend to lend directly to companies.

[0007]

SUMMARY OF THE INVENTION The present invention relates to a lender,
In particular, the purpose is to provide a loan brokerage method that allows individual lenders to lend directly to companies with peace of mind and obtain higher interest, and lenders can operate lower interest rate funds. And

[0008]

SUMMARY OF THE INVENTION According to the present invention, examination management information for examining and managing excellent corporate properties of a borrower is stored as a database in a computer-readable file, and the arbitration from the database is performed at the time of arranging a loan. This is a loan brokerage method that reads out a target borrower, mediates the borrower with a borrower, and charges various brokerage expenses from interest payment for the loan amount from the borrower.

[0009] As an embodiment of the present invention, an examination management cost for examining and managing the excellent corporate properties of the borrower and a guarantee for guaranteeing the lender's loan principal and / or interest on the loan amount are included in the various expenses. Costs can be included.

[0010] As an embodiment of the present invention, the above-mentioned various expenses can include a registration cost of a money lending business.

[0011] As an embodiment of the present invention, the loan amount is 1
Set a fixed amount and set a loan that exceeds the one unit possible,
The registration fee of the money lending business can be included only in the request for various expenses for the fixed amount of loan.

For loans exceeding one unit, the number can be set arbitrarily such as the number of units or a fixed amount unit.

[0013]

According to the present invention, according to the present invention, the borrower is examined by a number of examination items for measuring the excellent enterprise characteristics such as growth, profitability, soundness, and production efficiency of the enterprise, In addition, since the information managed continuously is stored in a computer-readable file as a database, it is easy to update the information on good corporate characteristics to the latest information. Become a highly secure borrower.

Therefore, the lender, ie, the individual lender,
Alternatively, by introducing the borrower to the organization based on the database, the borrower can directly finance the borrower with peace of mind, and the borrower can directly lend to the company, Can obtain high interest, and the borrower can receive a loan at a low interest rate, which can provide beneficial fund management for both parties.

[0015]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to the drawings.

FIG. 1 shows a loan intermediation system. In FIG. 1, when a company 11 requests introduction of a lender, a loan intermediary 10 examines the excellent business characteristics of the company 11 and manages it thereafter. The information data of the examination and its management are stored in the file 13 of the computer 12 as a database DB.

The data of the company 11 stored in the above-mentioned database DB includes examination data examined by a number of examination items that measure excellent corporate characteristics such as growth, profitability, soundness, and production efficiency of the company, and examinations thereof. It is management data that continuously manages items, and ranking data that is set to measure excellent corporate characteristics based on examination data and management data, and these data are updated sequentially according to actual screening and management conditions This renewal is continued even after the loan.

The amount of money to be loaned to the company 11 is set to a fixed amount such as one million yen per unit.
It is set so that the loan is introduced (arranged) with the desired number of units.

The intermediary 10 recruits lenders 14. This lender 14 recruits without being specified, such as an individual lender (investor) or an organization (for example, anonymous association, various companies).

The borrower 14 is provided with the borrower company 11
Mediate. This recruitment introduces a company having excellent business characteristics stored in the database DB of the computer 12.

In arranging the borrower company 11, the intermediary 10 provides the borrower 14 with a financing method of direct financing to the company 11, and the financing amount is a fixed amount, for example, one unit. Introduces lending in arbitrary units in units of 1 million yen, payment of interest, and repayment of principal directly from company 11. Introducing that the company 11 charges various expenses for the interest paid.

The above-mentioned various expenses of the intermediary 10 are examination / management expenses for the company 11 and guarantee expenses. The examination / management expenses are expenses necessary for examining and managing the excellent quality of the company 11. The guarantee cost is a guarantee cost for guaranteeing the interest payment and the repayment of the principal of the company 11, and the guarantee cost is set as an option.

According to the investment law, the examination / management cost is set to a value not exceeding 5% of the loan amount, for example, 2%, and the guarantee cost is set to, for example, 5% of the loan amount. are doing.

When the lender 14 directly finances the company 11, it is necessary to pay a financial registration license tax to each prefecture according to the investment law. The license is also valid for three years.

This registration can be performed by the agent 10. When this is done, the registration fee is charged as one of the expenses of the intermediary 10 to the interest paid by the borrower company 11.

The registration fee is charged, for example, for the interest paid by the company 11 for one loan (one million yen in the above-mentioned example) of the loan amount. For this purpose, the loan amount for one unit shall not be cancelled for three years, and the registration fee shall be charged on a monthly or annual basis for interest accrued during the three years. However, it is also possible to make a batch request.

When the financing of the lender 14 is a loan amount exceeding one unit, the above-mentioned registration fee is not charged for interest on the loan amount exceeding the one unit.

For example, when the lender 14 desires a loan in response to the recruitment of the intermediary 10 and requests the company 11 to be recruited, the intermediary 10 sets the lending conditions (for example, lending amount, lending amount) of the lender 14. Borrowing company 11 based on the deadline.

Based on the introduction of the intermediary 10, the borrower company 11 is recruited from the database DB stored in the file 13 of the computer 12 from the database 11 stored in the file 13, Here, we introduce companies 11 with high corporate rankings.

When the borrower 14 determines the borrower company 11, a loan contract is concluded between the borrower 14 and the borrower company 11. A financing agreement is signed to outsource the payment of interest and repayment of the principal of the company 11, and the financing is completed by the lender 14 to pay the loan amount to the borrower 11 The loan has been executed.

If the agreement for receiving the interest is monthly, the borrower company 11 pays the contracted payment method, for example, monthly if the payment is monthly. Further, the lender 14 pays various expenses of the intermediary 10 from the interest.
These expenses are the examination and management costs for the company 11, the guarantee costs, and the registration costs of the financial registration license.

For example, if the lender 14 has three units (for example, 30 units)
Assuming that the loan amount is 100,000 yen for three years, and the interest payment of the company 11 is 14%, the expenses of the intermediary 10 are equal to the loan amount of one unit (for example, ,
1 million yen) is the examination / management cost, guarantee cost, and registration fee of the financial registration license, but the loan amount for the other two units (for example, 2 million yen) is based on the above example. Has 2% review and management costs and 5% guarantee costs. Therefore, the loan amount for these two units was
An example of the interest that he receives is 14% -2% -5% = 7%, which gives a fixed yield of 7%. Then, for another lending amount (for example, 1 million yen), there is a request for a registration fee, so that the received amount is reduced by the amount paid.

According to the above-described embodiment, the borrower is examined by many examination items for measuring the excellent enterprise property such as the growth, profitability, soundness, and production efficiency of the enterprise, for example,
In addition, since information managed continuously is stored in the computer-readable file 13 as a database DB, it is easy to update the information on excellent corporate properties to the latest information. The destination is a highly secure loan destination.

Therefore, by introducing the borrower to the lender 14, that is, the individual lender or group, the lender can directly lend the funds to the borrower company 11 without worry. By providing a loan directly to the company 11, the lender 14 can obtain a high interest rate, and the borrower 11 can receive a loan at a low interest rate, which is beneficial to both parties. Money management.

If the loan amount of the borrower 14 is larger than the loan amount of one company 11 as a borrower, a plurality of borrowers are introduced, and the loan amount of the company 11 is one borrower. If the loan amount is greater than 14, the number of loaners 1
4 will be recruited.

[Brief description of the drawings]

FIG. 1 is a configuration diagram showing a loan mediation system.

[Explanation of symbols]

 10 Intermediary 11 Company 12 Computer 13 File 14 Lender

Claims (4)

[Claims] Claims: 1. Examination management information, which is examined and managed for excellent corporate properties of a borrower, is stored as a database in a computer-readable file. A loan brokerage method in which a lender is rented to a lender and brokerage expenses are charged from interest payment for the loan amount from the lender. 2. The various expenses include an examination management cost for examining and managing the excellent corporate characteristics of the borrower, and a guarantee cost for guaranteeing interest of the lender for the loan principal and / or the loan amount. 1. The loan mediation method described in 1. 3. The loan intermediation method according to claim 1, wherein said expenses include a registration fee of a money lending business. 4. The method according to claim 1, wherein a fixed amount is set as the loan amount so that a loan exceeding the one unit is possible, and only the registration fee of the money lending business is included in the request for various expenses for the single loan amount. 1. The loan mediation method described in 1.