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专利概况
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

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