| 摘要 |
PROBLEM TO BE SOLVED: To provide a method and a system for money management and a computer program for controlling this system, which efficiently perform centralized management to a main account on the basis of the stagnancy cost caused by balances at sub-accounts dispersed to a lot of financial organs and the remittance cost accompanied with money movement from sub-accounts to a main account. SOLUTION: Balances and money reception schedules of sub-accounts are acquired by a balance management device 20, and the deposit stagnancy cost is calculated on the basis of them, and a forecasting and discriminating device 30 discriminates whether money should be moved from sub-accounts to the main account or not in accordance with the result of comparison between the deposit stagnancy cost and the remittance cost. Thus money dispersed to many sub-accounts can be centralized to the main account at the most suitable timing to reduce the deposit stagnancy cost to a required minimum, and money is efficiently worked by centralized management of money. |
