financing system

Regarding the programming task for the financing system. What is to be done is a routine for enrollment of data in a customer register and deposits and payments to different accounts via bankgiro and calculations of points belonging to each client's different accounts. The calculation of the points shall in principle be updated daily according to a regulatory system. Positive earnings accounts receive plus points, minus accounts accounts (borrowers' debt accounts) receive minus points. Points are obtained in proportion to the amount of money deposited on different accounts. Account losses are mainly due to the notice period (15, 18, 24 or 36 months) for payments. There is also a nominal score that depends only on the amount the individual customer has put into the system. For debt accounts, one point is charged per crown and day. In addition to the actual score, an "average age" for the nominal score is also calculated, a balance point, calculated in days and parts of the day, where the debt for different days, the time-to-date, corresponds to the total nominal score times the number of days to the balance date. For accounts with a positive balance (customer asset accounts), the calculation must be made with regard to the four different notice periods so that the total calculated amount corresponds to the same lending amount of the same day (the sum of the debt accounts). In addition, account must be taken of the existence of two different groups of asset and liability accounts. The lending of one group has limits on the type of project that can be financed. A percentage of the calculated plus points in each target group (with or without limitation) shall be collected on two points accounts to cover any credit losses that may occur if borrowers are unable to fulfill their commitments. They can also be used to support certain projects that the management of the financial system finds important. In the calculation of positive points, no credits are received for payment and payment date, but when calculating points charged debit accounts, both payment and payment dates are counted. The distribution of the 99 percent positive points between each customer's asset accounts is in proportion to the size of the respective account balance. The nominal points are used at times when a payment order may be necessary. In total, there are 114 different account combinations that may be affected by scoring and lending quotas, but initially, one-fifth may be active. In order to correct possible error records, each day's point balances, balance sheets and currency balances should be stored Account statements with current credits and credits, comprehensive selectable time period and group of customers, must be printed at any date.