JP2004318869A5 - - Google Patents
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- JP2004318869A5 JP2004318869A5 JP2004103486A JP2004103486A JP2004318869A5 JP 2004318869 A5 JP2004318869 A5 JP 2004318869A5 JP 2004103486 A JP2004103486 A JP 2004103486A JP 2004103486 A JP2004103486 A JP 2004103486A JP 2004318869 A5 JP2004318869 A5 JP 2004318869A5
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各顧客の事業状況を表す顧客情報を入力する顧客情報入力部と、
入力された前記各顧客の顧客情報を記憶する顧客情報記憶部と、
前記各顧客の預金と貸金の状況を表す預貸情報を実質的に実時間で入力する預貸情報入力部と、
入力された前記各顧客の預貸情報を記憶する預貸情報記憶部と、
前記顧客情報記憶部に記憶された前記各顧客の顧客情報に基づき、前記各顧客の信用度について定性評価を行って定性評価結果を決定する定性評価処理部と、
決定された前記各顧客の定性評価結果を、前記定性評価結果の日時情報とともに記憶する定性評価記憶部と、
任意の時に、前記各顧客を審査して、前記各顧客の信用格付、債務者区分及び融資方針を決定する顧客審査処理部と、
毎年、定期的に、所定の自己査定基準日における前記複数の顧客への貸出金の回収不可能な損失額を自己査定する自己査定処理部と、
を備え、
前記顧客審査処理部は、
前記各顧客の財務データを入力する財務データ入力部と、
入力された前記各顧客の財務データを、前記財務データの日時情報とともに記憶する財務データ記憶部と、
前記顧客情報記憶部、財務データ記憶部および前記預貸情報記憶部にそれぞれ記憶された前記各顧客の顧客情報、財務データおよび財務データ入手時点の預貸情報に基づいて、所定の複数の自己査定抽出区分のいずれかに前記各顧客が該当するかどうかを判定して、財務データ入手時点の抽出区分判定結果を決定する第1の抽出区分判定部と、
決定された前記各顧客の財務データ入手時点の抽出区分判定結果を、前記財務データ入手時点の抽出区分判定結果の日時情報とともに記憶する第1の抽出区分判定結果記憶部と、
前記財務データ記憶部、定性評価記憶部および預貸情報記憶部にそれぞれ記憶された前記各顧客の財務データ、定性評価結果および財務データ入手時点の預貸情報に基づいて、前記各顧客の信用格付を決定する信用格付処理部と、
決定された前記各顧客の信用格付を、前記信用格付の日付とともに記憶する信用格付記憶部と、
前記財務データ記憶部、預貸情報記憶部および第１の抽出区分判定結果記憶部にそれぞれ記憶された前記各顧客の財務データ、財務データ入手時点の預貸情報および財務データ入手時点の抽出区分判定結果に基づいて、前記各顧客の借金返済能力程度を表す財務データ入手時点の債務者区分を決定する第1の債務者区分処理部と、
決定された前記各顧客の財務データ入手時点の債務者区分を、前記財務データ入手時点の債務者区分の日時情報とともに記憶する第1の債務者区分記憶部と、
前記信用格付記憶部および第1の債務者区分記憶部にそれぞれ記憶された前記各顧客の信用格付と財務データ入手時点の債務者区分に基づいて、前記各顧客に対する融資方針を決定する融資方針処理部と、
決定された前記各顧客に対する融資方針を、前記融資方針の日時情報とともに記憶する融資方針記憶部と
を有し、
前記自己査定処理部は、
前記自己査定基準日において前記複数の自己査定抽出区分のいずれかに前記各顧客が該当するかどうかを判定し、自己査定基準日時点の抽出区分判定結果を決定する第２の抽出区分判定部と、
決定された前記各顧客の自己査定基準日時点の抽出区分判定結果を、前記自己査定基準日時点の抽出区分判定結果の日時情報とともに記憶する第２の抽出区分判定結果記憶部と、
前記自己査定基準日における前記各顧客の借金返済能力程度を表す自己査定基準日時点の債務者区分を決定する第２の債務者区分処理部と、
決定された前記各顧客の自己査定基準日時点の債務者区分を、前記自己査定基準日時点の債務者区分の日時情報とともに記憶する第２の債務者区分記憶部と、
前記第２の抽出区分判定結果記憶部および第２の債務者区分記憶部にそれぞれ記憶された前記複数の顧客のそれぞれの自己査定基準日時点の抽出区分判定結果と自己査定基準日時点の債務者区分とに基づいて、前記複数の顧客中から分類額算出の対象となる顧客を抽出する抽出処理部と、
前記抽出処理部により抽出された各対象顧客の分類額計算式を、前記第２の債務者区分記憶部に記憶された前記各対象顧客の自己査定基準日時点の債務者区分に基づいて決定し、決定された前記計算式と、前記預貸情報記憶部に記憶された前記各対象顧客の自己査定基準日時点の預貸情報に基づいて、前記各対象顧客の分類額を算出する分類額算出部と、
算出された各抽出顧客の分類額を記憶する分類額記憶部と
を有し、
前記自己査定処理部の前記第２の抽出区分判定部は、前記財務データ記憶部および前記預貸情報記憶部にそれぞれ記憶された前記各顧客の財務データおよび自己査定基準日時点の預貸情報、ならびに前記信用格付記憶部に記憶された前回の顧客審査時における前記各顧客の信用格付、ならびに、前記第1の抽出区分判定結果記憶部に記憶された前回の顧客審査時における前記各顧客の財務データ入手時点の抽出区分判定結果と前記第２の抽出区分判定結果記憶部に記憶された前回の自己査定基準日における前記各顧客の自己査定基準日時点の抽出区分判定結果のうち日付情報がより新しい方の抽出区分判定結果とに基づいて、今回の自己査定基準日における前記自己査定基準日時点の抽出区分判定結果を決定する、
融資管理システム。 In a computer system that supports financing for multiple customers,
A customer information input unit for inputting customer information representing the business status of each customer;
A customer information storage unit for storing the customer information of each input customer ;
A deposit / lending information input unit that substantially inputs real-time deposit / lending information representing the deposit and loan status of each customer;
A deposit / lending information storage unit that stores the entered deposit / lending information of each customer ;
And qualitative evaluation processing unit for determining the qualitative evaluation results wherein stored in the customer information storage unit based-out to each customer of the customer information, the on credibility of each customer performs qualitative evaluation,
A qualitative evaluation storage unit that stores the determined qualitative evaluation result of each customer together with date and time information of the qualitative evaluation result ;
A customer review processing unit that examines each customer at any time to determine a credit rating, a debtor classification and a loan policy for each customer;
A self-assessment processing unit that self-assesses the amount of uncollectible losses on the loans to the plurality of customers on a predetermined self-assessment standard date every year;
With
The customer review processing unit
A financial data input unit for inputting the financial data of each customer;
A financial data storage unit that stores the financial data of each of the inputted customers together with date and time information of the financial data;
A plurality of predetermined self-assessments based on customer information, financial data, and deposit / lending information at the time of obtaining financial data stored in the customer information storage unit, financial data storage unit, and deposit / lending information storage unit, respectively. Determining whether each customer corresponds to any of the extraction categories, a first extraction category determination unit that determines an extraction category determination result at the time of financial data acquisition ; and
The determined the extracted category determination result of the financial data to obtain time for each customer, and the first extraction category determination result storage unit for storing together with the date information of the financial data to obtain the time of extraction category determination result,
The credit rating of each customer based on the financial data of each customer stored in the financial data storage unit, the qualitative evaluation storage unit and the deposit / lending information storage unit, the qualitative evaluation result, and the deposit / lending information at the time of obtaining the financial data , respectively. A credit rating processor to determine
A credit rating storage unit that stores the determined credit rating of each customer together with the date of the credit rating;
Financial data of each customer stored in the financial data storage unit, deposit / lending information storage unit, and first extraction category determination result storage unit, deposit / lending information at the time of obtaining financial data, and extraction category determination at the time of obtaining financial data A first obligor classification processing unit for determining a debtor classification at the time of obtaining financial data representing the degree of debt repayment ability of each customer based on the results ;
A first obligor classification storage unit that stores the determined obligor classification at the time of obtaining financial data of each customer together with date and time information of the obligor classification at the time of obtaining the financial data ;
Loan policy processing for determining a loan policy for each customer based on the credit rating of each customer stored in the credit rating storage unit and the first debtor category storage unit and the debtor category at the time of obtaining financial data And
A loan policy storage unit for storing the determined loan policy for each customer together with date and time information of the loan policy;
Have
The self-assessment processing unit
A second extraction category determination unit that determines whether or not each customer corresponds to any of the plurality of self-assessment extraction categories on the self-assessment reference date, and determines an extraction category determination result as of the self-assessment reference date ; ,
The determined the extracted category determination result of the self-assessment date of each customer, and a second extraction category determination result storage unit stored with date and time information of the self-assessment date extraction category determination result,
A second obligor classification processing unit for determining a debtor classification as of the self-assessment reference date representing the degree of debt repayment of each customer on the self-assessment reference date ;
A second obligor classification storage unit that stores the determined obligor classification of each customer as of the self-assessment reference date together with date and time information of the obligor classification as of the self-assessment reference date;
The plurality of customers stored in the second extracted category determination result storage unit and the second obligor category storage unit, respectively , and the extracted category determination result as of the self-assessment reference date and the obligor as of the self-assessment reference date Based on the classification, an extraction processing unit that extracts a customer for which a classification amount is to be calculated from the plurality of customers;
The classification calculation formula for each target customer extracted by the extraction processing unit is determined based on the obligor classification at the time of the self-assessment reference date of each target customer stored in the second obligor classification storage section. A classification amount calculation for calculating a classification amount of each target customer based on the determined calculation formula and the deposit / lending information as of the self-assessment reference date of each target customer stored in the deposit / lending information storage unit And
A classification amount storage unit for storing the calculated classification amount of each extracted customer;
Have
The second extraction category determination unit of the self-assessment processing unit includes the financial data of each customer stored in the financial data storage unit and the deposit / lending information storage unit, and the loan information as of the self-assessment reference date , And the credit rating of each customer at the time of the previous customer examination stored in the credit rating storage unit, and the finance of each customer at the time of the previous customer examination stored in the first extraction category determination result storage unit Of the extracted classification determination result at the time of data acquisition and the extracted classification determination result at the time of the self-assessment reference date of each customer on the previous self-assessment reference date stored in the second extraction classification determination result storage unit, date information is more Based on the extraction category determination result of the newer one, determine the extraction category determination result at the time of the self-assessment reference date on this self-assessment reference date ,
Loan management system.
前記顧客審査処理部により決定され前記信用格付記憶部、前記第1の債務者区分記憶部および前記融資方針記憶部にそれぞれ記憶された前記各顧客の信用格付、財務データ入手時点の債務者区分および融資方針を、所定の承認権限者の端末に出力し、そして、前記承認権限者の端末から承認の入力を受けると、前記承認を前記顧客審査処理部に通知する審査決済処理部を更に備え、
前記顧客審査処理部は、前記審査決済処理部から前記承認が通知されると、前記第1の抽出区分判定結果記憶部、前記信用格付記憶部、前記第1の債務者区分記憶部および前記融資方針記憶部にそれぞれ記憶された前記各顧客の財務データ入手時点の抽出区分判定結果、信用格付、財務データ入手時点の債務者区分および融資方針を確定させ、
前記自己査定処理部は、前記承認により確定された前記各顧客の財務データ入手時点の抽出区分判定結果、財務データ入手時点の信用格付および債務者区分を用いて、前記自己査定を行う、
融資管理システム。 The loan management system according to claim 1,
Credit rating of each customer determined by the customer review processing unit and stored in the credit rating storage unit, the first debtor category storage unit and the loan policy storage unit, the debtor category at the time of obtaining financial data, and A loan policy is output to a terminal of a predetermined approval authority, and when receiving an approval input from the terminal of the approval authority, the loan policy further includes an examination settlement processing unit that notifies the approval to the customer examination processing unit,
When the approval is notified from the examination settlement processing unit, the customer examination processing unit, the first extraction category determination result storage unit, the credit rating storage unit, the first debtor category storage unit, and the loan The extraction classification judgment result at the time of obtaining financial data of each customer stored in the policy storage unit , the credit rating, the obligor classification at the time of obtaining financial data and the loan policy are determined,
The self-assessment processing unit performs the self-assessment using the extraction classification determination result at the time of obtaining financial data of each customer determined by the approval, the credit rating and the obligor classification at the time of obtaining financial data ,
Loan management system.
前記自己査定処理部の前記第２の債務者区分処理部は、前記第1の債務者区分記憶部に記憶された前回の顧客審査時における前記各顧客の財務データ入手時点の債務者区分と前記第２の抽出区分判定部に記憶された前回の自己査定基準日における前記各顧客の自己査定基準日時点の債務者区分のうち日付情報がより新しい方の債務者区分に基づいて、今回の自己査定基準日における前記各顧客の自己査定基準日時点の債務者区分を決定する、
融資管理システム。 The loan management system according to claim 1,
The second obligor classification processing unit of the self-assessment processing unit includes the obligor classification at the time of obtaining the financial data of each customer at the time of the previous customer examination stored in the first obligor classification storage unit, and the Based on the obligor category with the latest date information among the obligor categories as of the date of the self-assessment date of each customer at the previous self-assessment date stored in the second extraction category determination unit, Determine the obligor category as of the date of the self-assessment of each customer on the assessment date ;
Loan management system.
前記各顧客について悪化事象が発生した場合に、発生した前記悪化事象を示す悪化事象情報を入力する悪化事象入力部と、
入力された前記各顧客の悪化事象情報を記憶する悪化事象記憶部と、
前記悪化事象記憶部に記憶された前記各顧客の悪化事象情報に基づいて、前記各顧客についての再審査要求を発生する再審査処理部と
を更に備え、
前記顧客審査処理部は、前記再審査処理部から前記各顧客についての再審査要求が発生した場合、前記各顧客の審査を再度実行する、
融資管理システム。 The loan management system according to claim 1,
When said deterioration event for each customer is generated, and deterioration EVENT input unit for inputting a deterioration event information indicating the deterioration event occurring,
A deterioration event storage unit for storing the input deterioration event information of each customer ;
A reexamination processing unit that generates a reexamination request for each customer based on the deterioration event information of each customer stored in the exacerbation event storage unit;
The customer examination processing unit executes the examination of each customer again when a re-examination request for each customer occurs from the re-examination processing unit.
Loan management system.
前記第1および第２の抽出区分判定部は、それぞれ、さらに前記悪化事象記憶部に記憶された前記各顧客の悪化事象情報にも基づいて、前記各顧客の財務データ入手時点および自己査定基準日時点の抽出区分判定結果を決定する、
融資管理システム。 In the loan management system according to claim 4,
Each of the first and second extraction category determination units is further based on each customer's deterioration event information stored in the deterioration event storage unit, and each customer's financial data acquisition time and self-assessment reference date Determine the extraction category judgment result at the time ,
Loan management system.
前記顧客審査処理部は、The customer review processing unit
前記各顧客の審査において、前記財務データ入力部、前記第1の抽出区分判定部、前記信用格付処理部、前記第1の債務者区分処理部および前記融資方針処理部のそれぞれの実行が終了したか否かのステータスを把握し、所定の順序に従い前順位の部の実行が終了しないと後順位の部の実行が開始できないよう、前記顧客審査処理部内の各部の実行順序を制御する審査管理部をさらに有する、In the examination of each customer, the execution of each of the financial data input unit, the first extraction classification determination unit, the credit rating processing unit, the first obligor classification processing unit, and the loan policy processing unit is completed. The review management unit controls the execution order of each unit in the customer review processing unit so that the execution of the subsequent unit cannot be started unless the execution of the previous unit is completed according to a predetermined order. Further having
融資管理システム。Loan management system.
前記顧客審査処理部は、The customer review processing unit
前記各顧客の審査において、前記定性評価結果記憶部に記憶されている前記各顧客の定性評価結果の日付情報が、最近過去の所定期間以内であるか、前記所定期間よりも古いかをチェックし、前記所定期間以内である場合には前記信用格付処理部の実行を許可し、前記所定期間より古い場合には前記信用格付処理部の実行を禁止する審査管理部をさらに有する、In the examination of each customer, it is checked whether the date information of the qualitative evaluation result of each customer stored in the qualitative evaluation result storage unit is within a predetermined period in the past or older than the predetermined period. The credit rating processing unit is permitted to be executed when it is within the predetermined period, and the credit rating processing unit is prohibited from being executed when older than the predetermined period.
融資管理システム。Loan management system.
前記自己査定処理部は、The self-assessment processing unit
前記自己査定において、前記第２の抽出区分判定部、前記第２の債務者区分処理部、前記抽出処理部および前記分類額算出部のそれぞれの実行が終了したか否かのステータスを把握し、所定の順序に従い前順位の部の実行が終了しないと後順位の部の実行が開始できないよう、前記自己査定処理部内の各部の実行順序を制御する自己査定管理部をさらに有する、In the self-assessment, grasp the status of whether or not the execution of each of the second extraction category determination unit, the second obligor category processing unit, the extraction processing unit and the classification amount calculation unit has been completed, A self-assessment management unit that controls the execution order of each unit in the self-assessment processing unit so that the execution of the subsequent-order unit cannot be started unless the execution of the preceding-order unit is completed according to a predetermined order;
融資管理システム。Loan management system.
各顧客の事業状況を表す顧客情報を入力する顧客情報入力部と、
入力された前記各顧客の顧客情報を記憶する顧客情報記憶部と、
前記各顧客の預金と貸金の状況を表す預貸情報を実質的に実時間で入力する預貸情報入力部と、
入力された前記各顧客の預貸情報を記憶する預貸情報記憶部と、
前記顧客情報記憶部に記憶された前記各顧客の顧客情報に基づき、前記各顧客の信用度について定性評価を行って定性評価結果を決定する定性評価処理部と、
決定された前記各顧客の定性評価結果を、前記定性評価結果の日時情報とともに記憶する定性評価記憶部と、
任意の時に、前記各顧客を審査して、前記各顧客の信用格付、債務者区分及び融資方針を決定する顧客審査処理部と、
毎年、定期的に、所定の自己査定基準日における前記複数の顧客への貸出金の回収不可能な損失額を自己査定する自己査定処理部と、
を備え、
前記顧客審査処理部は、
前記各顧客の財務データを入力する財務データ入力部と、
入力された前記各顧客の財務データを、前記財務データの日時情報とともに記憶する財務データ記憶部と、
前記顧客情報記憶部、財務データ記憶部および前記預貸情報記憶部にそれぞれ記憶された前記各顧客の顧客情報、財務データおよび財務データ入手時点の預貸情報に基づいて、所定の複数の自己査定抽出区分のいずれかに前記各顧客が該当するかどうかを判定て、財務データ入手時点の抽出区分判定結果を決定する第1の抽出区分判定部と、
決定された前記各顧客の財務データ入手時点の抽出区分判定結果を、前記財務データ入手時点の抽出区分判定結果の日時情報とともに記憶する第1の抽出区分判定結果記憶部と、
前記財務データ記憶部、預貸情報記憶部および定性評価記憶部にそれぞれ記憶された前記各顧客の財務データ、財務データ入手時点の預貸情報および定性評価結果に基づいて、前記各顧客の信用格付を決定する信用格付処理部と、
決定された前記各顧客の信用格付を、前記信用格付の日付とともに記憶する信用格付記憶部と、
前記財務データ記憶部、預貸情報記憶部および第１の抽出区分判定結果記憶部にそれぞれ記憶された前記各顧客の財務データ、財務データ入手時点の預貸情報および財務データ入手時点の抽出区分判定結果に基づいて、前記各顧客の借金返済能力程度を表す財務データ入手時点の債務者区分を決定する第1の債務者区分処理部と、
決定された前記各顧客の第1の債務者区分を、前記第1の債務者区分の日時情報とともに記憶する第1の債務者区分記憶部と、
前記信用格付記憶部および第1の債務者区分記憶部にそれぞれ記憶された前記各顧客の信用格付と財務データ入手時点の債務者区分に基づいて、前記各顧客に対する融資方針を決定する融資方針処理部と、
決定された前記各顧客に対する融資方針を、前記融資方針の日時情報とともに記憶する融資方針記憶部と
を有し、
前記自己査定処理部は、
前記自己査定基準日において前記複数の自己査定抽出区分のいずれかに前記各顧客が該当するかどうかを判定して、自己査定基準日時点の抽出区分判定結果を決定する第２の抽出区分判定部と、
決定された前記各顧客の自己査定基準日時点の抽出区分判定結果を、前記自己査定基準日時点の抽出区分判定結果の日時情報とともに記憶する第２の抽出区分判定結果記憶部と、
前記自己査定基準日における前記各顧客の借金返済能力程度を表す自己査定基準日時点の債務者区分を決定する第２の債務者区分処理部と、
決定された前記各顧客の自己査定基準日時点の債務者区分を、前記自己査定基準日時点の債務者区分の日時情報とともに記憶する第２の債務者区分記憶部と、
前記第２の抽出区分判定結果記憶部および第２の債務者区分記憶部にそれぞれ記憶された前記複数の顧客のそれぞれの第自己査定基準日時点の抽出区分判定結果と自己査定基準日時点の債務者区分とに基づいて、前記複数の顧客中から分類額算出の対象となる顧客を抽出する抽出処理部と、
前記抽出処理部により抽出された各対象顧客の分類額計算式を、前記第２の債務者区分記憶部に記憶された前記各対象顧客の自己査定基準日時点の債務者区分に基づいて決定し、決定された前記計算式と、前記預貸情報記憶部に記憶された前記各対象顧客の預貸情報に基づいて、前記各対象顧客の分類額を算出する分類額算出部と、
算出された各抽出顧客の分類額を記憶する分類額記憶部と
を有し、
前記自己査定処理部の前記第２の抽出区分判定部は、前記財務データ記憶部および前記預貸情報記憶部にそれぞれ記憶された前記各顧客の財務データおよび自己査定基準日時点の預貸情報、ならびに前記信用格付記憶部に記憶された前回の顧客審査時における前記各顧客の信用格付、ならびに、前記第1の抽出区分判定結果記憶部に記憶された前回の顧客審査時における前記各顧客の財務データ入手時点の抽出区分判定結果と前記第２の抽出区分判定結果記憶部に記憶された前回の自己査定基準日における前記各顧客の自己査定基準日時点の抽出区分判定結果のうち日付情報がより新しい方の抽出区分判定結果とに基づいて、今回の自己査定基準日における前記自己査定基準日時の抽出区分判定結果を決定する、
融資管理システムとして、コンピュータを機能させるコンピュータプログラム。
In a computer program,
A customer information input unit for inputting customer information representing the business status of each customer;
A customer information storage unit for storing the customer information of each input customer ;
A deposit / lending information input unit that substantially inputs real-time deposit / lending information representing the deposit and loan status of each customer;
A deposit / lending information storage unit that stores the entered deposit / lending information of each customer ;
And qualitative evaluation processing unit for determining the qualitative evaluation results wherein stored in the customer information storage unit based-out to each customer of the customer information, the on credibility of each customer performs qualitative evaluation,
A qualitative evaluation storage unit that stores the determined qualitative evaluation result of each customer together with date and time information of the qualitative evaluation result ;
A customer review processing unit that examines each customer at any time to determine a credit rating, a debtor classification and a loan policy for each customer;
A self-assessment processing unit that self-assesses the amount of uncollectible losses on the loans to the plurality of customers on a predetermined self-assessment standard date every year;
With
The customer review processing unit
A financial data input unit for inputting the financial data of each customer;
A financial data storage unit that stores the financial data of each of the inputted customers together with date and time information of the financial data;
A plurality of predetermined self-assessments based on customer information, financial data, and deposit / lending information at the time of obtaining financial data stored in the customer information storage unit, financial data storage unit, and deposit / lending information storage unit, respectively. Determining whether each customer corresponds to any of the extraction categories, a first extraction category determination unit for determining an extraction category determination result at the time of obtaining financial data ; and
The determined the extracted category determination result of the financial data to obtain time for each customer, and the first extraction category determination result storage unit for storing together with the date information of the financial data to obtain the time of extraction category determination result,
Based on the financial data of each customer stored in the financial data storage unit, the deposit / lending information storage unit and the qualitative evaluation storage unit, the deposit / lending information at the time of obtaining the financial data, and the qualitative evaluation result, the credit rating of each customer A credit rating processor to determine
A credit rating storage unit that stores the determined credit rating of each customer together with the date of the credit rating;
Financial data of each customer stored in the financial data storage unit, deposit / lending information storage unit, and first extraction category determination result storage unit, deposit / lending information at the time of obtaining financial data, and extraction category determination at the time of obtaining financial data A first obligor classification processing unit for determining a debtor classification at the time of obtaining financial data representing the degree of debt repayment ability of each customer based on the results ;
A first debtor classification storage unit that stores the determined first debtor classification of each customer together with date and time information of the first debtor classification;
Loan policy processing for determining a loan policy for each customer based on the credit rating of each customer stored in the credit rating storage unit and the first debtor category storage unit and the debtor category at the time of obtaining financial data And
A loan policy storage unit for storing the determined loan policy for each customer together with date and time information of the loan policy;
Have
The self-assessment processing unit
A second extraction category determination unit that determines whether or not each customer falls into any of the plurality of self-assessment extraction categories on the self-assessment reference date, and determines an extraction category determination result as of the self-assessment reference date When,
A second extraction category determination result storage unit that stores the determined extraction category determination result of each customer as of the self-assessment reference date together with date and time information of the extraction category determination result as of the self-assessment reference date;
A second obligor classification processing unit for determining a debtor classification as of the self-assessment reference date representing the degree of debt repayment of each customer on the self-assessment reference date;
A second obligor classification storage unit that stores the determined obligor classification of each customer as of the self-assessment reference date together with date and time information of the obligor classification as of the self-assessment reference date;
The plurality of customers stored in the second extracted category determination result storage unit and the second obligor category storage unit, respectively, and the extracted category determination result at the time of the first self-assessment reference date and the debt at the time of the self-assessment reference date An extraction processing unit that extracts a customer for which a classification amount is to be calculated from the plurality of customers based on the person category;
The classification calculation formula for each target customer extracted by the extraction processing unit is determined based on the obligor classification at the time of the self-assessment reference date of each target customer stored in the second obligor classification storage section. A classification amount calculation unit for calculating a classification amount of each target customer based on the determined calculation formula and the deposit / lending information of each target customer stored in the deposit / lending information storage unit;
A classification amount storage unit for storing the calculated classification amount of each extracted customer;
Have
The second extraction category determination unit of the self-assessment processing unit includes the financial data of each customer stored in the financial data storage unit and the deposit / lending information storage unit, and the loan information at the time of the self-assessment reference date, And the credit rating of each customer at the time of the previous customer examination stored in the credit rating storage unit, and the finance of each customer at the time of the previous customer examination stored in the first extraction category determination result storage unit Of the extracted classification determination result at the time of data acquisition and the extracted classification determination result at the time of the self-assessment reference date of each customer on the previous self-assessment reference date stored in the second extraction classification determination result storage unit, date information is more Based on the extraction category determination result of the newer one, determine the extraction category determination result of the self-assessment reference date and time on the current self-assessment reference date,
A computer program that allows a computer to function as a loan management system.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2004103486A JP4246658B2 (en) | 2003-03-31 | 2004-03-31 | Loan management system |
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2003093316 | 2003-03-31 | ||
| JP2004103486A JP4246658B2 (en) | 2003-03-31 | 2004-03-31 | Loan management system |
Publications (3)
| Publication Number | Publication Date |
|---|---|
| JP2004318869A JP2004318869A (en) | 2004-11-11 |
| JP2004318869A5 true JP2004318869A5 (en) | 2006-02-16 |
| JP4246658B2 JP4246658B2 (en) | 2009-04-02 |
Family
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP2004103486A Expired - Lifetime JP4246658B2 (en) | 2003-03-31 | 2004-03-31 | Loan management system |
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| Country | Link |
|---|---|
| JP (1) | JP4246658B2 (en) |
Families Citing this family (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP4611809B2 (en) * | 2005-06-03 | 2011-01-12 | 日本電信電話株式会社 | Service use qualification examination apparatus and method |
| JP4783594B2 (en) * | 2005-07-07 | 2011-09-28 | 株式会社日本総合研究所 | Developing credit management system, program for developing credit management system, and developing credit management method |
| JP5899186B2 (en) * | 2013-10-31 | 2016-04-06 | 株式会社三井住友銀行 | Real estate evaluation management integration system and method |
| US20180068383A1 (en) * | 2015-03-31 | 2018-03-08 | Sumitomo Mitsui Banking Corporation | Bank system, method and program for corporate finance overseas credit management |
| CN107924534A (en) * | 2015-06-26 | 2018-04-17 | 株式会社三井住友银行 | Banking system, method and program for the credit management of structural financing |
| JP6098982B2 (en) * | 2015-08-31 | 2017-03-22 | 株式会社三菱総合研究所 | Information processing apparatus and information processing method |
| JP6587556B2 (en) * | 2016-02-22 | 2019-10-09 | 株式会社三菱総合研究所 | Information processing apparatus and information processing method |
| JP6927894B2 (en) * | 2018-01-26 | 2021-09-01 | Kddi株式会社 | Service content management device and service content management method |
| JP7313618B2 (en) * | 2018-03-27 | 2023-07-25 | 株式会社伊予エンジニアリング | Business reform support system for financial institutions |
| JP7244219B2 (en) * | 2018-06-07 | 2023-03-22 | 株式会社オービック | Bankruptcy Claims Transfer Device, Bankruptcy Claims Transfer Method, and Bankruptcy Claims Transfer Program |
| JP7360808B2 (en) * | 2018-08-27 | 2023-10-13 | 株式会社 みずほ銀行 | Banking support system, banking support method and banking support program |
| JP7235552B2 (en) * | 2019-03-26 | 2023-03-08 | 株式会社オービック | Claim data creation device, claim data creation program, and claim data creation method |
| CN111309672B (en) * | 2020-02-07 | 2023-11-17 | 重庆华谷科技有限公司 | Case-setting and case-pre-setting auxiliary management system and intelligent legal auxiliary service system |
-
2004
- 2004-03-31 JP JP2004103486A patent/JP4246658B2/en not_active Expired - Lifetime
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