| 摘要 |
[Problem] To set a premium of trade credit insurance in accordance with an outstanding balance of installment payments at the time of signing of a lease installment contract. [Solution] The lease installment guaranty system provides assistance in fulfilling an installment contract through addition of trade credit insurance to installment payments at the time of signing of a lease installment contract. The system is provided with: a storage unit in which a total amount of installment payments, a term of payment, an insurance premium rate of the trade credit insurance to be applied to installment payments as set forth in the installment contract are stored in association with one another; and a processing control unit for calculating an insurance premium of the trade credit insurance in accordance with an outstanding balance of the installment payments. The processing control unit calculates an outstanding balance as of a payment day for the installment payments, calculates an outstanding balance of the installment payments by subtracting the amount paid on the payment day from the calculated outstanding balance, and calculates an insurance premium of the trade credit insurance using this outstanding balance of the installment payments as the principal. |
