Patent Application
20200082474
The present invention relates to a technique for providing information that is referred to for a managerial judgment or decision making of a financial institution or a financial holding company group. More particularly, the present invention relates to a technique to manage data used for the management accounting and financial accounting of a financial institution or a financial holding company group.
Accounting information on management accounting, a kind of corporate accounting, is referred to in order to make a managerial judgment or decision of a financial institution or a financial holding company group. In management accounting, various kinds of information inside the company are collected and analyzed according to the purpose to provide numerical values for enabling grasping of the managerial situation and issues.
For example, for management accounting of a financial institution or a financial holding company group, it is necessary to grasp the actual situations of operations such as deposits, lending, and currency exchange at domestic and foreign locations. In addition, it is necessary to grasp not only the management situation within the company but also those of group companies under the same financial holding company. Thus, the management accounting of a financial institution or a financial holding company group is required to use a wide variety of information scattered widely across the company and the group companies.
In addition, the management accounting of a financial institution or a financial holding company group needs to handle matters such as credit risk, market risk, liquidity risk, and domestic and foreign financial regulations that cannot be handled in conventional financial accounting frameworks. Operations in the financial institution involve various risks. Nowadays, it is required to quantify these risks and include them in the accounting information of management accounting.
Conventionally, a staff member in a financial institution collects data scattered across databases in all business systems inside the company and analyses the data on a personal computer at hand to generate accounting information of management accounting. Specifically, a staff member combines partial information pieces scattered across multiple databases—part of data in a database in the company, part of data in another database, part of data in still another database, and so on—to generate accounting information of management accounting.
Unfortunately, a financial institution and its group companies have a large number of business systems including an accounting system, and each business system has an immense number of databases. In addition, these databases are not formed consistently among the departments and group companies, in other words, among the business systems. Each of the departments and group companies defines items in a database independently and calculates numerical values of those items on its own grounds. In other words, data inside a company is not managed based on common definitions and common calculation grounds across all the departments and all the group companies. Thus, it has been difficult to manage data in those databases as accounting information of management accounting based on a consistent system and provide the data for the managers in a timely and appropriate manner.
In particular, financial information and risk information have conventionally been managed separately and thus have not necessarily been managed on the same basis. Thus, it has been difficult to provide information on risks involved in operations of a financial institution for the managers in a timely and appropriate manner.
The present invention has been made in light of the above problems, and an object thereof is to provide a system, method, and program that enables data in databases managed by multiple business systems in a financial institution or a financial holding company to be used effectively in order to provide information for the managers of the company in a timely and appropriate manner.
To achieve the objective, an aspect of the present invention is a management information system connected to multiple business systems inside and outside a company, located in a home country and a foreign country, and the management information system is a system to support management of a financial institution or a financial holding company group including the financial institution. The management information system includes: a database compilation unit configured to receive base data managed by the business systems based on respective standards, from the business systems, the base data including data of multiple items and being managed on a record basis; an extraction unit configured to extract data of one or more items out of the received base data; a common code assigning unit configured to generate standardized data manageable based on a unified standard by assigning a common code to the extracted data of the one or more items; and a basic figure generation unit configured to generate a basic figure by combining multiple pieces of the standardized data based on the common code, the basic figure being used for the management of the financial institution or the financial holding company group including the financial institution.
The present invention enables data within a financial institution or group companies under a financial holding company group to be used effectively for the management of the financial institution or the financial holding company group by extracting data of some items in databases managed by multiple business systems in the company or in the group companies under the financial holding company and assigning common codes to this extracted data so that the outer forms of risk information and financial information match and thus the risk information and the financial information can be handled within the same framework.
Hereinafter, an embodiment of the present invention will be described in detail with reference to the drawings. In this specification, the present invention will be described mainly in terms of management accounting, but the present invention can be utilized to generate accounting information on management accounting and financial accounting. The present invention can be used to generate accounting information on the management accounting and financial accounting of a financial institution, the management accounting and financial accounting of a whole financial holding company group, and the management accounting and financial accounting of group companies under a financial holding company.
With reference to
Note that the business systems 120 and 130 are systems located in the home country and foreign countries and may include systems for financial operations of the bank and the group companies and systems for any operations other than finance (for example, risk management and the like). Thus, the management information system 110 is capable of compiling not only data on financial operations but also data that has not been used for conventional financial accounting including data on risks such as credit risk, and making use of them for the management accounting and financial accounting.
The management information system 110 is a system for supporting the management of a financial institution or a financial holding company group including a financial institution. The management information system 110 extracts data of some items in databases held by the business systems 120 in a bank and the business systems 130 in group companies and assigns common codes to this extracted data, so that data in the business systems 120 and 130 can be made use of for the management accounting and financial accounting of the bank or the financial holding company group. Hereinafter, the management information system 110 will be described in detail with reference to
First, raw data 301 in the business systems 120 and 130 will be described. The raw data 301 is raw data stored in the business systems 120 and 130. The raw data 301 includes, for example, data such as deposit and withdrawal details of accounts, fees, credit details, collateral/guarantee details, rating information, market-based revenue, and expenses.
Next, base data 302 in the business systems 120 and 130 will be described. The base data 302 can be generated based on the raw data 301. Each of the business systems 120 and 130 can build databases for its operation based on the raw data 301 (this database is called base data 302). The base data 302 includes data of one or more items. As described later, data of some items is extracted out of the base data 302 to be used for standardized data 303 or 304. The base data 302 is, for example, a database on domestic or foreign deposit operation, a database on domestic or foreign lending operation, and the like. A specific example of the base data 302 will be described with reference to
Next, the standardized data 303 and 304 in the management information system 110 will be described. The standardized data 303 and 304 can be generated based on the base data 302. The management information system 110 can extract data of some selected items in the base data 302. The number of the selected items may be one or more (hereinafter, these “selected items” are also referred to as the “elements”). In addition, the management information system 110 can generate the standardized data 303 or 304 by assigning common codes to this extracted data (in other words, by assigning a common code to data of each element). The standardized data can be classified into the standardized data 303 on B/S (balance sheet) and the standardized data 304 on P/L (profit-and-loss statement). As described later, multiple pieces of standardized data 303 and 304 are combined to be used as basic
Next, the basic
Lastly, the purpose-based database 306 in the terminal 140 for bank clerks will be described. The purpose-based database 306 can be built based on the basic
The lower right part of
As will be described below with reference to
As above, the base data 302 in databases of the business systems 120 and 130 is managed as the standardized data 303 and 304 so that it can be easily used for the management accounting and financial accounting. In other words, data managed on a record basis including multiple elements adapted to operations (in other words, the base data 302) is componentized into data on an element basis (in other words, the standardized data 303 and 304). Thus, data is extracted on an element basis from databases (in other words, base data 302) built by each department or group company based on its own standard, and the extracted data can be set as the data managed based on a standard unified as a whole using the common codes (in other words, standardized data 303 and 304).
Returning to
The database compilation unit 201 can receive base data 302 from the business systems 120 in the bank and the business systems 130 in the group companies. The database compilation unit 201 can store the received base data 302 in memory (not illustrated).
The extraction unit 202 can extract data of some items in the base data 302 received by the database compilation unit 201 based on the standardized data definition database 205. The extraction unit 202 can store the extracted data in memory (not illustrated).
The common code assigning unit 203 can assign common codes to the data extracted by the extraction unit 202, based on the standardized data definition database 205. Specifically, the common code assigning unit 203 can associate the data extracted by the extraction unit 202 with the common codes defined for the extracted data in the standardized data definition database 205 and can store the associated data and common codes in the standardized data (B/S) database 207 or the standardized data (P/L) database 208. Whether data is to be stored in the standardized data (B/S) database 207 or the standardized data (P/L) database 208 is determined based on its common code.
The basic figure generation unit 204 can generate basic
The standardized data definition database 205 is, as has been described with reference to
The common code database 206 is a database that stores the definition of each common code. The same common codes are codes shared throughout the bank and the group companies. The common codes enable the content of the data of the standardized data 303 and 304 to be identified. As illustrated in
The standardized data (B/S) database 207 is a database that stores standardized data concerning balance sheets (B/S) of the standardized data.
The standardized data (P/L) database 208 is a database that stores standardized data concerning profit-and-loss statement (P/L) of the standardized data.
The basic figure database 209 is a database that stores data on the basic figures generated by the basic figure generation unit 204.
Returning to the explanation of
The business systems 130 in the group companies are systems used for operations in the group companies. The group companies include group companies of the bank having the business systems 120 in the bank. The group companies may include not only companies that operate financial business but also companies that operate business other than financial business. The business systems 120 may include one or more business systems in a securities company and the like.
The terminals 140 for bank clerks are terminals such as personal computers for bank clerks to use the management information system 110. The bank clerks are bank clerks of the bank having the business systems 120 in the bank. The number of terminals 140 for bank clerks can be any number.
At step 701, the management information system 110 receives the base data 302 from the business systems 120 in the bank and the business systems 130 in the group companies.
At step 702, the management information system 110 extracts data of some items out of the data of the multiple items in the base data 302 received at step 701, based on the standardized data definition database 205.
At step 703, the management information system 110 assigns common codes to the data extracted at step 702, based on the standardized data definition database 205. With steps 702 and 703, the standardized data 303 and 304 is generated from the base data 302.
At step 704, the management information system 110 combines multiple pieces of standardized data 303 and 304 generated at steps 702 and 703, to generate the basic
As described above, with the invention of the present application, data on an element basis that is easy to handle in management accounting and financial accounting (in other words, standardized data 303 and 304) can be extracted out of the data (in other words, base data 302) including multiple items that are conventionally managed in a collective manner such as on a lending-case basis (in other words, on a record basis), and common codes can be assigned to the extracted data. Since data is componentized piece by piece as described above, the data can be handled more easily than in a conventional way.
Although embodiments of the present invention have been described until now, the above embodiments are mere examples, and the present invention is not limited to the above embodiments. It goes without saying that the present invention may be implemented as various different embodiments within the scope of the technical idea.
The scope of the present invention is not limited to the exemplary embodiments that have been described and illustrated in the figures but includes all embodiments that provide effects equivalent to the object of the present invention. Further, the scope of the present invention is not limited to the combinations of features of the invention defined by each claim but can be defined by any desired combination of specific features of all the disclosed features.
| Filing Document | Filing Date | Country | Kind |
|---|---|---|---|
| PCT/JP2017/011058 | 3/17/2017 | WO | 00 |
