JP6231764B2 - Management support method and apparatus for property with security right - Google Patents

Description

  The present invention relates to a security right and property related to real estate (a property with the security right owned by the debtor, another property owned by the debtor, a property owned by a joint guarantor, a debtor In the following, this property is collectively referred to as a “collateralized property” in this specification. The present invention relates to a method and an apparatus for assisting a financial institution such as a bank as soon as possible to identify a case with various risks among properties with collateral rights that are managed by the bank.

  A large percentage of financial institution loans rely on collateral, and most are known to be operated by mortgages and root mortgages. Traditionally, financial institutions indirectly grasp the risk of receivables, such as whether there is a risk that the security right that the bank manages will become a non-performing loan in the future through business activities such as customer visits and field surveys of collateral. I try to do that. In addition, a financial institution will use the Real Estate Registration Act for certain real estates (land, buildings, classified buildings) for which a security interest has been set in order to objectively and unambiguously understand the credit risk for a loan. Real estate registries with prescribed entries are obtained regularly or from time to time, interpreted, and assessed for risks.

  By the way, the present inventor has long attempted to digitize real estate registration information and have it be used effectively by related organizations, and obtains real estate registration information obtained via a paper medium real estate register and a communication line such as the Internet. Have proposed a technique for constructing a digital database by directly inputting digital data or converting text (character encoding) by processing such as OCR (Optical Character Recognition) processing (for example, Patent Document 1, Patent Document) 2 and Patent Document 3).

  The real estate registration information is a series of difficult descriptions that are registered based on the Civil Code, the Real Estate Registration Law, and the like. The date of receipt, receipt number, purpose of registration, cause of registration, all rights holders and other matters are meaningful, and their effectiveness is determined by law. Therefore, it is an extremely important issue for financial institutions to interpret the real estate registration information without omission and to improve the efficiency of accurately grasping the registration information that is actually effective. For the purpose of solving such problems, etc., the present inventor, based on the acquired public real estate registration information, a technique for generating a registration information file that substantially registers only registration information that is actually effective, and acquisition Have proposed a technology for assisting the user so that there is no omission in the confirmation of the registered items that are included in the public real estate registration information and need to be particularly alerted to the user (for example, Patent Document 4 and (See Patent Document 5).

JP 2001-143058 A Japanese Patent Laid-Open No. 2007-4407 JP 2007-148475 A JP 2011-186787 A JP2013-58111A

  Financial institutions are all secured property owned by the bank, and all secured property owned by a credit guarantee agency or credit guarantee company (hereinafter referred to as “guarantee”) that jointly manages the security rights. Has a collateral ledger that records information such as property type, location, lot number (house number), collateral right type, debtor name, collateral amount, etc. However, no technology has yet been proposed that uses the information in the collateral ledger in a more expansive manner to detect the risk of bonds at an early stage.

  Accordingly, an object of the present invention is to provide a method and apparatus for assisting a financial institution such as a bank to quickly identify a case with various risks that may be a risk among properties with collateral rights that are managed by the bank. It is to provide.

  In order to achieve the above-mentioned object, the present inventor has conducted intensive research and paid attention to the “registration book” prescribed in the real estate registration rules, and the public information recorded in the reception book is the reception date or reception. The present invention has been completed with the idea of acquiring a specified period, converting the acquired information into data, and organically combining it with the data managed in the collateral ledger.

That is, the management support method for a secured property according to the present invention is an operation method of a computer that generates information for supporting management of a security right for real estate, the computer comprising: a computing means, a storage means, An input unit and an output unit, and the calculation unit includes:
For properties with collateral rights that are subject to management, collateral property data including at least the name of the debtor and the amount of the mortgage, or the name of the debtor and the extreme amount of the root mortgage among the prescribed entries specified in the Real Estate Registration Act, Generating a first collateralized property information file recorded for each and storing in the storage means;
A step of inputting information acquired by specifying a reception date or a reception period, which is public information recorded in a predetermined reception book of real estate registration rules, into the input means as reception book data;
A step of generating a reception information file in which reception data including at least a registration reception occurrence type is recorded for each real estate among the input reception book data, and storing the reception information file in the storage unit;
The first collateralized property information file and the reception information file are read from the storage means and collated for each real estate, and composite data obtained by combining the collateralized property data and the reception data is recorded for each real estate. , Generating a second secured property information file and storing it in the storage means;
Combining data having the specified type in the received data from the second secured property information file upon receiving an instruction input for specifying the specified type for at least the type of registration acceptance among the received data Detecting steps,
For the detected composite data, generating output information and outputting to the output means;
It is characterized by performing.

  In the present invention, the “reception book” defined in the real estate registration rules refers to a “reception book” provided in the jurisdiction registry office of the Ministry of Justice Legal Affairs Bureau in accordance with Article 18, Item 1 of the Real Estate Registration Rules. The official information recorded in the reception book is the matters stipulated in Article 56, Paragraph 1 of the Regulations. The purpose of registration, the date of application reception, the reception number, and the real estate location This includes matters (specifically, the location and lot number for land, and the location and house number for buildings or divisional buildings). In the present invention, the purpose of registration recorded in the reception book is treated as “registration reception generation type” included in the reception data recorded for each real estate in the reception information file described later.

  Under the current law, the public information recorded in the receipt book in accordance with the rules can be obtained based on Article 4, Paragraph 1 of the Law on the Disclosure of Information Held by Administrative Organizations. In other words, by making a request for disclosure to the Director of the Legal Affairs Bureau, who is the head of an administrative agency, specifying the date of receipt or period, type (real estate), and jurisdiction of the Legal Affairs Bureau, Based on this, you can receive the real estate registration receipt.

  In the operation under the current law, the disclosure contents of the reception book are actually delivered to the claimant, so the disclosure contents of the received reception book are converted into text by processing such as OCR processing, etc. And it is good to make it data. In this specification, public information recorded in the reception book is converted into data by a known method and is called reception book data. However, this is up to the description of an example under the current law. An electronic file containing all the contents of the disclosure in the receipt book will be delivered directly to the claimant for reasons such as future legal revisions. Needless to say, the above-described data conversion can be omitted in the case of the above.

  In order to input the receipt book data, a scanner connected to a computer according to a predetermined interface specification may be used. Alternatively, the receipt book data that has been subjected to text processing separately through OCR processing can be converted into various storage media (for example, USB storage such as USB (Universal Serial Bus) memory, writable CD (Compact Disc), DVD ( Digital Versatile Disc) or BD (Blu-ray (registered trademark) Disc)), and by pointing operation using a pointing device such as a keyboard and a mouse connected to a computer in accordance with a predetermined interface specification, or an input device such as a touch screen Alternatively, it may be imported into a computer from various storage media. A scanner for inputting receipt book data, or a keyboard, a pointing device, or a touch screen, and peripheral devices (CD drive, DVD drive, BD drive) operated to fetch receipt book data from various storage media are provided in the present invention. Corresponds to the input means.

  In a preferred embodiment of the present invention, the specific type instructed and input in the detection step is mortgage setting, root mortgage setting, ownership transfer by buying and selling, ownership transfer provisional registration, inheritance, gifting, conservation disposal Or any one or two or more of restrictions on disposal. Conservation and registration restrictions are a direct danger signal leading to trial, and can be said to be danger information that needs to be known quickly. Also, transfer of ownership, inheritance, or registration of gifts can be said to be preliminary risk information notifying that it may lead to future deterioration of claims. On the other hand, registration acceptance for setting mortgages can be used mainly as mortgage loans, and registration acceptance for setting mortgages can be used as powerful refinancing information that informs the existence of the latest debt from other financial institutions.

  In a preferred embodiment of the present invention, the computer further includes a communication unit, and the calculation unit is connected by the communication unit when generating the first secured property information file. Obtaining real estate registration information from the information processing apparatus of the registration information provider via a communication line, and further executing the step of verifying the property data with collateral right to be recorded in the first property information file with collateral right Good. The main advantage of executing this verification step is that the property with collateral right that is subject to management can be confirmed whether it is currently effective, and the property data with collateral right that does not match the prescribed entry of the Real Estate Registration Act remains inconsistent However, the execution of the verification step is to confirm beforehand that there are no errors or omissions in the registration of the security interest. There is also an advantage that it helps.

  In a preferred embodiment of the present invention, in order to obtain public real estate registration information via a communication line, for example, the General Incorporated Foundation of the Civil Legal Association (the association is referred to as a “registration information provider” in the present invention). The “Internet registration information providing service” site (http://www1.touki.or.jp/gateway.html) can be used. Real estate registration information stored in the registry office (all items of registration prescribed by the Real Estate Registration Act, including the joint collateral list) is updated and accumulated on the site. Identification information necessary for identifying real estate (specifically, real estate number or location and lot number if it is land, real estate number or location and location if it is building) via the Internet or other communication line House number, and information on the registered registry office) can be transferred, and the latest real estate registration information at the time of billing can be acquired in real time.

  Public real estate registration information acquired from a registration information provider via a communication line generally has a “registered item certificate” format called a real estate register. In the present invention, each time the real estate registration information is obtained, it is stored in the storage means in association with the second secured property information file as an electronic file that maintains the appearance of the registered certificate. . The format of the electronic file that maintains the appearance of the registration certificate is preferably PDF (Portable Document Format), and may be other formats such as TIFF (Tagged Image File Format) and HTML (HyperText Markup Language). good.

  Further, the output information output according to the present invention may be output to a display device or printer connected to a computer according to a predetermined interface specification, or a display device provided directly on a computer casing. The printer corresponds to the output means of the present invention. The output information may be separately stored in an external storage device connected to the computer in accordance with a predetermined interface specification, or may be transferred from the computer to an external system via a communication line.

The management support apparatus for a secured property according to the present invention is an apparatus that generates information for supporting the management of a secured property for a real estate, and includes a calculation means, a storage means, an input means, and an output means. ,
The computing means is
For properties with collateral rights that are subject to management, collateral property data that includes at least the name of the mortgage debtor and the amount of receivables, or the name and extreme amount of the mortgage debtor, of the registration items prescribed in the Real Estate Registration Act, Generate a first collateralized property information file recorded for each
Information that is public information recorded in the real estate registration rule predetermined reception book and specified by specifying a reception date or reception period is input to the input means as reception book data,
Real estate registration rules entered by the input means, which are public information recorded in a predetermined reception book, and among the reception book data consisting of information acquired by specifying a reception date or a reception period, at least registration registration Generate a reception information file that records the reception data including the occurrence type for each real estate,
The first collateralized property information file and the reception information file are read and collated for each real estate, and composite data obtained by combining the collateralized property data and the reception data is recorded for each real estate. Generate a property information file with a security right,
The storage means stores the first secured property information file, the reception information file, and the second secured property information file,
The calculation means receives an instruction input for instructing a specific type for at least the generation type of the registration reception in the reception data, and receives the specific type from the second secured property information file. Detect synthetic data in the data,
The computing means generates output information for the detected composite data and outputs the output information to the output means;
It is characterized by.

Furthermore, the program of the present invention is a program for causing a computer to perform processing for generating information for supporting management of a property with a security right for real estate, and the computer includes a calculation unit, a storage unit, The program includes an input unit and an output unit.
For properties with collateral rights that are subject to management, collateral property data that includes at least the name of the mortgage debtor and the amount of receivables, or the name and extreme amount of the mortgage debtor, of the registration items prescribed in the Real Estate Registration Act, Generating a first collateralized property information file recorded for each, storing in the storage means,
Information that is public information recorded in the real estate registration rule predetermined reception book and specified by specifying a reception date or reception period is input to the input means as reception book data,
Of the input receipt data, the reception data including at least the registration reception occurrence type is recorded for each real estate, and a reception information file is generated and stored in the storage means.
The first collateralized property information file and the reception information file are read from the storage means and collated for each real estate, and composite data obtained by combining the collateralized property data and the reception data is recorded for each real estate. , Generate a second secured property information file, store it in the storage means,
Combining data having the specified type in the received data from the second secured property information file upon receiving an instruction input for specifying the specified type for at least the type of registration acceptance among the received data Detect
For the detected composite data, output information is generated and output to the output means.
Processing is executed.

  As mentioned above, risk information that you need to know as soon as possible (conservation disposal, acceptance of registration of disposal restrictions), or preliminary risk information that informs you that it may lead to future credit deterioration (ownership transfer, inheritance, (Or accepting registration of a gift) is detected, and output information indicating a security right at risk is provided. Therefore, the financial institution can quickly identify a case with various risks out of the secured property that is managed by the bank.

  In addition, as described above, the registration acceptance of the mortgage setting detected in the present invention is mainly mortgage, and the registration acceptance of the setting of the root mortgage is a powerful informing the existence of the latest debt from other financial institutions. It can be used as refinancing information.

  The above objects and advantages of the present invention and other objects and advantages will be more clearly understood through the following description of embodiments. However, the embodiments described below are merely examples, and the present invention is not limited to these.

It is a functional block diagram of the management support apparatus of the property with collateral rights in one embodiment of the present invention. It is a figure which shows the example of a description of a real estate reception book. It is a flowchart which shows the operation | movement flow of the management assistance apparatus of the property with security interest in one Embodiment of this invention. It is explanatory drawing which shows the record structure of the 1st property information file with a security right, the reception information file, and the 2nd property information file with a security right in one Embodiment of this invention.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a functional block diagram of a management support apparatus for a property with collateral rights in an embodiment of the present invention. As shown in FIG. 1, the management support apparatus 1 includes an arithmetic device (CPU: Central Processing Unit) 2, a storage device 3, an input device 4, an output device 5, and a communication device 6.

  The computing device 2 executes a predetermined program stored in the storage device 3 to record the property data with collateral rights for the property with collateral rights that is the management target, with the first security right attached. A property information file (32 shown in FIG. 3) is generated. Property data with a security right includes at least the name of the debtor and the amount of the mortgage, or the name of the debtor and the extreme amount of the root mortgage in the entry prescribed by the Real Estate Registration Act, but will be described later with reference to FIG. As described above, the transaction-specific collateral ledger number and collateral ledger name given by the financial institution for collateral management may be further included. The arithmetic device 2 stores the first property information file with a security right in the storage device 3 by executing a predetermined program stored in the storage device 3.

  In addition, the arithmetic unit 2 executes a predetermined program stored in the storage device 3 to designate public information recorded in a predetermined reception book for real estate registration rules, and specify a reception date or a reception period. The acquired information is input to the input device 4 as reception book data.

  Further, the arithmetic unit 2 executes the predetermined program stored in the storage device 3 to receive public information that is input by the input device 4 and recorded in the predetermined acceptance book of the real estate registration rules. A reception information file in which reception data including at least a registration reception generation type is recorded for each real estate among reception book data (33 shown in FIGS. 1 and 3) including information acquired by specifying a date or a reception period. (34 shown in FIG. 3) is generated. The arithmetic device 2 stores the reception information file in the storage device 3 by executing a predetermined program stored in the storage device 3.

  Further, the computing device 2 executes a predetermined program stored in the storage device 3 to read out the first secured property information file and the reception information file and collate them for each property, and secure property data A second property information file with a security right (35 shown in FIG. 3) in which the composite data obtained by combining the received data and the received data is recorded for each real estate is generated. The computing device 2 stores the second property information file with a security right in the storage device 3 by executing a predetermined program stored in the storage device 3.

  Further, the arithmetic device 2 executes a predetermined program stored in the storage device 3 to receive an instruction input for instructing a specific type of at least the registration reception generation type in the reception data. From the property information file with a security right, synthetic data having a specific type as reception data is detected. Then, the arithmetic device 2 executes a predetermined program stored in the storage device 3 to generate output information for the detected synthesized data and outputs it to the output device 5.

  In accordance with the method of the present invention, the storage device 3 stores a predetermined program for causing the arithmetic device 2 to execute processing for generating information that supports management of a property with a security right for real estate. In addition, as described above, the storage device 3 stores the first secured property information file, the reception information file, and the second secured property information file. The storage device 3 may be a storage device such as various random access memories (RAMs) and a hard disk drive (HDD).

  The input device 4 is based on various data to be processed by the computing device 2 (for example, property data with collateral right acquired from a collateralized property file 31 of a financial institution, etc., real estate registration acceptance book acquired from the competent legal affairs office) The receipt book data 33) is input. Further, the input device 4 inputs commands to the arithmetic device 2 to instruct the arithmetic device 2 to execute various processes by instructing this.

  The output device 5 executes the predetermined program stored in the storage device 3 so that the specific type detected by the arithmetic device 2 from the second secured property information file is received data. Output information (36 shown in FIG. 3) generated for the combined data is output. Examples of the output information output by the output device 5 include a specific obligor risk type list, a specific obligor refinancing list, and a specific obligor collateral setting list, which will be described later. The embodiment is not limited to these.

  The communication device 6 is a device for communicating by connecting the management support device 1 to an information processing device of a registration information provider (not shown), and the arithmetic device 2 executes a predetermined program stored in the storage device 3. When the first property information file with a security right is generated, the information processing apparatus of the registration information provider (specifically, the information processing apparatus of the "Internet registration information providing service" site of the civil legal association of Japan) ) Obtains public real estate registration information (online registration information 37 shown in FIG. 1) via a communication line, and verifies collateralized property data to be recorded in the first collateralized property information file.

  The communication line (not shown) includes various communication lines such as a dedicated line, a public telephone line, a satellite communication line, and various servers (not shown), and the specific mode is not particularly limited. Various devices such as an ISP (Internet Service Provider), an NSP (Network Service Provider), a server provided by a mobile phone operator, a gateway device, and the like are interposed between the management support device 1 and the communication line. It is good also as composition to do.

  FIG. 2 is a diagram showing a description example of a real estate registration acceptance book that can be acquired based on Article 4 Paragraph 1 of the Law on Disclosure of Information Held by Administrative Organizations. As shown in the figure, the receptionist has a reception number for each property specified by the real estate location (specifically, location and lot number for land, location and house number for buildings or divisional buildings). The date of application acceptance and the purpose of registration are recorded. In the present invention, as will be described later, by using the real estate location item as the real estate identification information, the first secured property information file and the reception information file are collated for each property, and secured property data and A second collateralized property information file is generated in which the composite data obtained by combining the reception data is recorded for each real estate.

FIG. 3 is a flowchart showing an operation flow of the management support apparatus 1. The procedure will be described with reference to the flowchart of FIG. 3 and the record structure of the file shown in FIG.
In step S301, financial institutions that record all collateralized property that the financial institution alone holds, and all collateralized properties that are owned by the guarantor that jointly manages the collateralized property From the property file with security right (so-called collateral ledger) 31 held by the company, data on the security right currently effective as a management target is acquired. The data to be acquired is, for example, the type of real estate (land or building), location / lot number (house number), type of security right (usually mortgage or root mortgage, but including the case of unsecured debtor) Collateral ledger number, collateral ledger name, property number (real estate number), debtor name, collateral amount, etc. (receivable amount or extreme amount), etc., but is an example and not limited to these . By the operation of the input device 4, the arithmetic device 2 inputs the data acquired from the secured property file 31 such as a financial institution to the management support device 1.

  In order to confirm whether the security right managed by the financial institution is currently effective, the computing device 2 transmits a communication line from an information processing device (not shown) of a registered information provider connected by the communication device 6. It is advisable to obtain public real estate registration information via the Internet and verify the data obtained from the secured property file of a financial institution or the like. In addition, when it does not correspond with the registration item predetermined | prescribed in the real estate registration method, it is not recorded on the below-mentioned 1st property information file with a security right with a mismatch. The same applies to cases where, as a result of verification, there is a possibility of errors or omissions in the registration of security interests.

  In step S <b> 302, the computing device 2 uses the data acquired from the secured property file 31 of the financial institution, etc., with respect to the secured property that is managed by the financial institution, among the registration items specified in the real estate registration method. A first collateralized property information file 32 is generated that records, for each real estate, collateralized property data including at least the mortgage debtor name and claim amount, or the mortgage debtor name and extreme amount. FIG. 4A shows the record structure of the first collateralized property information file 32. The location / location number (house number) is real estate identification information used in common in the reception information file 34 and the second property information file 35 with a security right to be described later. In addition, items such as the collateral ledger number, collateral ledger name, property number, debtor name, and collateral amount are partly based on the details of the mortgage and root mortgage of the bank that are recorded in the collateral ledger held by the financial institution. Is extracted information. The computing device 2 stores the generated first property information file 32 with a security right in the storage device 3.

  Returning to the flowchart of FIG. 3, in step S <b> 303, by the operation of the input device 4, the computing device 2 causes the real estate registration receipt book acquired by the disclosure request specifying the type (real estate), the reception date or reception period, and the jurisdiction of the Legal Affairs Bureau. Is input to the management support apparatus 1 as reception book data 33. By specifying, for example, for March 2013, or from January 2013 to March as the reception date or reception period, information on the reception book for the most recent month or months will be acquired together. can do. Here, on the assumption that the disclosure contents of the reception book are output on paper, the input device 4 scans the paper and inputs the reception book data 33 that has undergone text processing through OCR processing. May be included. Alternatively, the receipt book data 33 that has been subjected to text processing separately through OCR processing is stored in a storage medium (for example, USB storage or writable CD, DVD, or BD), and a pointing device such as a keyboard and a mouse, Or you may take in to a computer from a storage medium by instruction | indication operation by input devices 4, such as a touch screen.

  In step S304, the arithmetic unit 2 generates a reception information file 34 in which reception data including at least a registration reception generation type is recorded for each real estate among the input reception book data. FIG. 4B shows the record structure of the reception information file 34. The location / lot number (house number) is real estate identification information used in common in the first property information file with security right 32 and the second property information file with security right 35 described above. The type of registration acceptance is one of mortgage setting, root mortgage setting, ownership transfer through trading, ownership transfer provisional registration, inheritance, gifts, conservation disposal, and disposal restrictions. The arithmetic device 2 stores the generated reception information file 34 in the storage device 3.

  Returning to the flowchart of FIG. 3 again, in step S305, the computing device 2 reads the first collateralized property information file 32 and the reception information file 34 from the storage device 3 and collates them for each real estate. A second secured property information file 35 is generated in which the combined data obtained by combining the data and the reception data is recorded for each real estate. FIG. 4C shows a record structure of the second property information file 35 with a security right. The location / lot number (house number) is real estate identification information used in common in the first property information file 32 with a security right and the reception information file 34 described above. By using the real estate identification information for each real estate, the collateral ledger number, collateral ledger name, property number, debtor name, collateral amount, etc. are acquired from the first secured property information file 32. The registration reception occurrence type is acquired from the reception information file 34, and the data is synthesized. The computing device 2 stores the generated second property information file with security right 35 in the storage device 3.

  In step S <b> 306, the computing device 2 receives the second security right in response to an instruction input for instructing a specific type of at least the registration reception occurrence type in the received data being input by an operation of the input device 4. From the attached property information file 35, composite data having a specific type as reception data is detected. As mentioned above, any one of the types of occurrence of registration acceptance consisting of setting mortgage, setting root mortgage, ownership transfer by trading, ownership transfer provisional registration, inheritance, gift, conservation disposal, and disposal restrictions One or more specific types can be indicated.

  In step S307, the arithmetic device 2 generates output information for the detected combined data and outputs the output information to the output device. Thus, the operation of the management support apparatus 1 ends.

  A specific example of the output information 36 output by the output device 5 shown in FIG. 1 will be briefly described. The specific obligor risk type list is dangerous information (conservation disposal, disposal Limit registration) or preliminary risk information (possibility of transfer of ownership by transfer, ownership transfer provisional registration, inheritance, or registration of gifts) to detect that it may lead to future deterioration of claims. The list identifies risky security rights and debtors. In addition, the list of specified debtor refinancing refers to the establishment of a mortgage that informs the existence of the latest debt from other financial institutions, or the registration of the establishment of a root mortgage, especially for real estate for which the bank does not have a security interest. Is a list that identifies leading refinancing information and debtors. Furthermore, the specific obligor collateral setting list refers to, for example, a booklet other than the detection of the specific obligor risk type list and the detection of the specific obligor refinancing list for real estate for which the security right of the bank is not set. And a list of cases in which registration acceptance such as a pen is detected.

  As is clear from the description of the above-described embodiment, conventionally, financial institutions have had to periodically acquire real estate registration information for a large number of properties by paying a large fee for monitoring the risk of receivables. However, according to the present embodiment, only the necessary real estate registration information is acquired based on the list of specific obligor risk types provided by the management support device 1 and specifying the risky security interest and the obligor. In other words, it is possible to greatly improve the speed and economy of managing credit risk.

  Further, conventionally, it has been difficult to search for a property with a collateral right set by another bank, but according to the present embodiment, the management support device 1 outputs a specified debtor refinancing list to specify a specified reception It is possible to automatically find a property with a new security right set within the period with an overwhelming hit rate. This list can be used as powerful refinancing information, especially because it informs other financial institutions of the existence of the latest debt that has been investigated.

  As a modification of the present embodiment, the computing device 2 other than the real estate in which the security right managed by the bank is set out of the location and lot number (house number) recorded in the reception information file 34 Specify the location and lot number (house number) in particular, and automatically acquire public real estate registration information from the information processing device of the registration information provider connected by the communication device 6 via the communication line. Also good. As a result, the name of the obligor and the amount of collateral for the property with collateral right that has been set by another bank can be found, so the location / lot number (house number) was converted to a block number based on the location / lot number (house number). In addition, further improvements such as automatically printing address labels are possible.

  In addition, the management support apparatus 1 according to the embodiment of the present invention may be configured as a Web system in which user apparatuses are connected via a communication line. In this case, it will be apparent to those skilled in the art that the user device functions as a terminal device that provides many of the functions of the input device 4 and the output device 5.

  The present invention is suitably used, for example, to provide basic materials useful for designing and promoting measures for preventing deterioration of security rights in financial institutions and business strategies for acquiring customers at low cost and promptly. Is done.

1 Management Support Device 2 Computing Device (CPU)
3 Storage Device 4 Input Device 5 Output Device 6 Communication Device

Claims (7)

A computer operating method for generating information to support management of a security right and a property related to a receivable (“secured property property”) for a real estate, the computer including a calculation means, a storage means, an input means, and an output Means, and the computing means comprises:
For properties with collateral rights that are subject to management, collateral property data that includes at least the name of the mortgage debtor and the amount of receivables, or the name and extreme amount of the mortgage debtor, of the registration items prescribed in the Real Estate Registration Act, Generating a first collateralized property information file recorded for each and storing in the storage means;
Real estate registration rules, which are public information recorded in a predetermined reception book, and that is obtained by specifying a reception date or reception period as reception book data to the input means;
A step of generating a reception information file in which reception data including at least a registration reception occurrence type is recorded for each real estate among the input reception book data, and storing the reception information file in the storage unit;
The first collateralized property information file and the reception information file are read from the storage means and collated for each real estate, and composite data obtained by combining the collateralized property data and the reception data is recorded for each real estate. , Generating a second secured property information file and storing it in the storage means;
Combining data having the specified type in the received data from the second secured property information file upon receiving an instruction input for specifying the specified type for at least the type of registration acceptance among the received data Detecting steps,
For the detected composite data, generating output information and outputting to the output means;
A management support method for a secured property, characterized in that The specific type instructed and input in the detection step is any one of mortgage setting, root mortgage setting, ownership transfer by trading, ownership transfer provisional registration, inheritance, gift, conservation disposal, or disposal limitation One or more,
The management support method for a secured property as set forth in claim 1. The computer further comprises communication means,
The computing means is
When generating the first secured property information file, public real estate registration information is acquired via a communication line from an information processing apparatus of a registration information provider connected by the communication means, and the first Verifying the secured property data to be recorded in the secured property information file of 1;
The management support method for a secured property according to claim 1, further comprising: An apparatus for generating information for supporting management of a security right and a property related to a receivable ("a property with a security right") for a real estate, comprising a calculation means, a storage means, an input means, and an output means,
The computing means is
For properties with collateral rights that are subject to management, collateral property data that includes at least the name of the mortgage debtor and the amount of receivables, or the name and extreme amount of the mortgage debtor, of the registration items prescribed in the Real Estate Registration Act, Generate a first collateralized property information file recorded for each
Information that is public information recorded in the real estate registration rule predetermined reception book and specified by specifying a reception date or reception period is input to the input means as reception book data,
Real estate registration rules entered by the input means, which are public information recorded in a predetermined reception book, and among the reception book data consisting of information acquired by specifying a reception date or a reception period, at least registration registration Generate a reception information file that records the reception data including the occurrence type for each real estate,
The first collateralized property information file and the reception information file are read and collated for each real estate, and composite data obtained by combining the collateralized property data and the reception data is recorded for each real estate. Generate a property information file with a security right,
The storage means stores the first secured property information file, the reception information file, and the second secured property information file,
The calculation means receives an instruction input for instructing a specific type for at least the generation type of the registration reception in the reception data, and receives the specific type from the second secured property information file. Detect synthetic data in the data,
The computing means generates output information for the detected composite data and outputs the output information to the output means;
A management support device for a property with a security right. Furthermore, it has communication means,
The computing means is
When generating the first secured property information file, public real estate registration information is acquired via a communication line from an information processing apparatus of a registration information provider connected by the communication means, and the first Verify the property data with collateral rights to be recorded in the property information file with collateral rights in 1;
The management support apparatus for a secured property as set forth in claim 4. A program for causing a computer to perform processing for generating information for supporting the management of a security right and a property related to a receivable (“a property with a security right”) for a real estate, the computer storing a calculation unit and a storage Means, an input means, and an output means, and the program is stored in the computing means.
For properties with collateral rights that are subject to management, collateral property data that includes at least the name of the mortgage debtor and the amount of receivables, or the name and extreme amount of the mortgage debtor, of the registration items prescribed in the Real Estate Registration Act, Generating a first collateralized property information file recorded for each, storing in the storage means,
Information that is public information recorded in the real estate registration rule predetermined reception book and specified by specifying a reception date or reception period is input to the input means as reception book data,
Of the input receipt data, the reception data including at least the registration reception occurrence type is recorded for each real estate, and a reception information file is generated and stored in the storage means.
The first collateralized property information file and the reception information file are read from the storage means and collated for each real estate, and composite data obtained by combining the collateralized property data and the reception data is recorded for each real estate. , Generate a second secured property information file, store it in the storage means,
Combining data having the specified type in the received data from the second secured property information file upon receiving an instruction input for specifying the specified type for at least the type of registration acceptance among the received data Detect
For the detected composite data, output information is generated and output to the output means.
A program characterized by causing processing to be executed. The computer further comprises communication means,
The program is stored in the computing means.
When generating the first secured property information file, public real estate registration information is acquired via a communication line from an information processing apparatus of a registration information provider connected by the communication means, and the first Verify the property data with collateral rights to be recorded in the property information file with collateral rights in 1
The program according to claim 6, further executing a process.

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