专利名称 | LOAN RISK EVALUATION PARAMETER CALCULATING DEVICE, PROGRAM AND METHOD | ||
申请号 | JP2015088531 | 申请日 | |
公开(公告)号 | JP2016206983A | 公开(公告)日 | |
申请(专利权)人 | SUMITOMO MITSUI BANKING CORP | 发明人 | TAKAHASHI KOJI |
专利来源 | 国家知识产权局 | 转化方式 | |
摘要 |
PROBLEM TO BE SOLVED : To calculate a parameter regarding risk evaluation for real estate non-recourse loan.SOLUTION : A loan risk evaluation parameter calculating device comprises : information storing parts 120 and 160 that store various kinds of information; a function 11 that calculates a rent income on the basis of rent income trend and volatility which are stored in the information storing part; a function 15 that calculates a cap rate on the basis of cap rate volatility stored in the information storing part; a function 12 that determines an applicable rent income to be applied to calculation of a parameter regarding risk evaluation, on the basis of a target property' s tenant form which is stored in the information storing part and relates to real estate non-recourse loan; a function 9 that uses the applicable rent income to generate a cash flow; and a parameter calculation function 3 that executes various kinds of tests by using a property price to be calculated from the cash flow and the cap rate and also by using the cash flow, and calculates a parameter on the basis of amount of loss at the time of default generation.SELECTED DRAWING : Figure 9COPYRIGHT : (C)2017, JPO&INPIT |
主管部门:海南中小企业服务 | 建设单位:海南商业联合会
版权所有:海南商业联合会 | 备案号:粤ICP备13083911号(ICP加挂服务)@2017