CN109670928A - The early warning system of borrower's credit risk - Google Patents
The early warning system of borrower's credit risk Download PDFInfo
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- CN109670928A CN109670928A CN201810146773.9A CN201810146773A CN109670928A CN 109670928 A CN109670928 A CN 109670928A CN 201810146773 A CN201810146773 A CN 201810146773A CN 109670928 A CN109670928 A CN 109670928A
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- credit risk
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- 238000010586 diagram Methods 0.000 description 6
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
A kind of early warning system of borrower's credit risk includes data warehousing electronic device, account assistant director's computer installation and management server apparatus.Management server apparatus connects data warehousing electronic device and account assistant director's computer installation.Management server apparatus by borrower and can influence borrower carry out debt ability association monitored object be all used as search key, out of data warehousing electronic device collect promise breaking sign variable information；It is repeated periodically whether the sign variable information that judges to break a contract meets a credit risk influence index；Determine a risk class for a judging result；And a Report Message account comprising risk class is issued to assistant director's computer installation.Therefore by the above framework, before the stage that borrower falls into powerless contract of fulfilling obligation, user i.e. early can be carried out in response to step or superior supervisor's report, and then the chance of the credits equity of harm reduction financial institution.
Description
Technical field
The present invention is about a kind of early warning system, espespecially a kind of early warning system of borrower's credit risk.
Background technique
In general, conventional banking facilities are made loans to after borrower, it is necessary to monitor the credit risk or refund of borrower
Ability can not fulfill obligation contract to avoid borrower and endanger the credits equity of financial institution.
However, conventional banking facilities are only conceived to borrower's financial situation, once borrower falls into predicament or generation
Emergency event and cause it is powerless fulfill obligation contract when, conventional banking facilities often should be used as not as good as carrying out subsequent phase, cause to exceed
The heavy losses put, and endanger the credits equity of financial institution.
Therefore a solution how is developed to improve above-mentioned brought missing and inconvenience, it is in fact related dealer's mesh
A preceding very urgent important topic.
Summary of the invention
One embodiment of the invention provides a kind of early warning system of borrower's credit risk.This system includes a number
According to storage electronic device, at least account assistant director's computer installation and a management server apparatus.Management server apparatus is electrical
Connect data warehousing electronic device and account assistant director's computer installation, and management server apparatus (a) is by a borrower and energy
At least one the association monitored object for enough influencing this borrower shoe debt ability is all used as search key, from this data warehousing electronics
Multiple promise breaking sign variable information are collected in device；(b) it is repeated periodically and judges whether these promise breaking sign variable information accord with
Close multiple credit risk influence indexs at least one；(c) it is supervised for a judging result and in response to this borrower or association
One of control object and determine multiple risk classes；And (d) issuing one to this account assistant director's computer installation includes wind
The Report Message of dangerous rank.
In one or more of the invention embodiments, management server apparatus include a data gatherer, an assessment device,
One processor and a message R-T unit.Data gatherer is so as to being all used as retrieval crucial borrower and association monitored object
Word collects the promise breaking sign variable information out of data warehousing electronic device respectively.Assessment device is sentenced so as to daily batch
Whether disconnected promise breaking sign variable information meets a wherein credit risk influence index.Processor electric connection data gatherer,
Device is assessed, so as to being determined in response to borrower or association monitored object for judging result made by above-mentioned assessment device
Risk class out.Message R-T unit electrically connected processing device, so as to issuing Report Message to account assistant director's computer installation.
In one or more embodiments of the invention, when processor judges that wherein a promise breaking sign variable information meets credit
When venture influence index, risk class that processor is determined in response to borrower is higher than to be determined because that should be associated with monitored object
Risk class.When processor judges that promise breaking sign variable information does not meet credit risk influence index, processor is determined
The risk class made is minimum.
When assessment device judges that data gatherer collected duplicate promise breaking sign variable information again, processor
Message R-T unit will be made not issue identical Report Message still further to account assistant director's computer installation.When account assistant director receives
Report Message and learn that wherein a promise breaking sign variable information meets credit risk influence index, and account assistant director reports this
When announcement message is wound up the case, if data gatherer is collected again in outside above-mentioned credit risk influence index default one specific period
When to duplicate promise breaking sign variable information, processor still makes message R-T unit issue identical Report Message to account assistant director
Computer installation, conversely, if in credit risk influence index it is specific during collected duplicate promise breaking sign variable again
When information, processor makes message R-T unit not issue identical Report Message still further to account assistant director's computer installation.
When the different promise breaking sign variable information of borrower or association monitored object correspond with credit risk influence index,
So that processor selects high risk rank when processor determines different risk classes, and contain the sending of message R-T unit
There is the Report Message of high risk rank to account assistant director's computer installation.
In one or more embodiments of the invention, management server apparatus includes a connecting interface device.Connecting interface dress
Electrically connected processing device is set, and through network connection data storage electronic device and account assistant director's computer installation.
In one or more embodiments of the invention, management server apparatus includes an information feedback device.Information feedback dress
Electrically connected processing device is set, whether the risk class determined so as to feedback processor is correct, so that adjustment credit risk influences
Index.
In one or more embodiments of the invention, management server apparatus includes a storage device.Storage device electrically connects
Processor is connect, so as to storing comprising borrower and being associated with multiple key datas of monitored object.
In one or more embodiments of the invention, management server apparatus includes a storage device.Storage device electrically connects
Processor is connect, so as to storing the credit risk influence index.
In one or more embodiments of the invention, management server apparatus includes a memory device.Memory device electrically connects
Data gatherer is connect, the promise breaking sign variable collected out of data warehousing electronic device so as to storing the data gatherer
Information.
In one or more embodiments of the invention, risk class is presented in Report Message with color cresset, number or letter
In.
In one or more embodiments of the invention, borrow money artificial legal person, and can influence the association that borrower carries out debt ability
Monitored object is the director and warden of borrower, shareholder, guarantor, related company, conglomerate, manufacturer of stocking up, sales manufacturer, up and down
Trip cooperation manufacturer, cause of shifting in investment and financial gage at least one.
In conclusion by early warning system described in above embodiments, borrower and borrower can be influenced carry out debt
Various promise breaking sign variable information of the association monitored object of ability can be by early stage monitoring and interpretation.In this way, being fallen into borrower
Before the stage for entering powerless contract of fulfilling obligation, the account assistant director of financial institution i.e. early can be responsible in response to step or superior
Report, and then the chance of the credits equity of harm reduction financial institution.
The above is only to illustrate the problem of present invention is to be solved, technical means to solve problem and its generate
The effect of etc., detail of the invention will be discussed in detail in following examples and relevant drawings.
Detailed description of the invention
For above and other purpose, feature, advantage and embodiment of the invention can be clearer and more comprehensible, appended attached drawing is said
It is bright as follows:
Fig. 1 is the block diagram according to a kind of early warning system of borrower's credit risk of one embodiment of the invention；
Fig. 2 is the thin portion block diagram according to the management server apparatus of the early warning system of one embodiment of the invention；
Fig. 3 is the borrower enumerated according to one embodiment of the invention and the association prison that can influence borrower's shoe debt ability
Control the schematic diagram of object；
Fig. 4 be according to Fig. 3 borrower and association monitored object face respectively different indexs in response to risk class；With
And
Fig. 5 is the detailed flowchart according to the operation workflow of the early warning system of one embodiment of the invention.
Specific embodiment
Multiple embodiments of the invention will be disclosed with attached drawing below, as clearly stated, the details in many practices will
It is explained in the following description.It should be appreciated, however, that the details in these practices is not applied to limit the present invention.Namely
It says, in embodiments of the present invention, the details in these practices is non-essential.In addition, for the sake of simplifying attached drawing, it is some known used
Structure will be painted in a manner of simply illustrating in the accompanying drawings with element.
It makes loans in view of above-mentioned conventional banking facilities to after borrower, is only conceived to borrower's financial situation, often etc.
When falling into the stage of powerless contract of fulfilling obligation to borrower, not as good as carry out it is subsequent urges money or asks the behavior of repaying, cause to exceed and put
Heavy losses, and the credits equity of financial institution is endangered, in this way, the early warning system energy of borrower's credit risk of the invention
The judgement for enough penetrating frequency, not only monitors the promise breaking sign variable information of borrower, more closes to the finance of borrower
It is the promise breaking sign variable letter of object or financial gage (the association monitored object that borrower carries out debt ability can be influenced by being referred to as)
Breath monitored so that borrower and can influence borrower carry out debt ability association monitored object various promise breaking sign variables
Information can be by early stage monitoring and interpretation.Different from the past to monitor in situ, the present invention is as airborne early warning aircraft is in sky
In spiral so as to earlier find borrower and several association monitored object promise breaking sign heteromophism, in this way, borrowing money
Before people falls into the stage of powerless contract of fulfilling obligation, the account assistant director (account officer, AO) of financial institution can be i.e. early
It carries out in response to step or superior supervisor's report, and then the chance of the credits equity of harm reduction financial institution.
Fig. 1 is the block diagram according to a kind of early warning system 10 of borrower's credit risk of one embodiment of the invention.
As shown in Figure 1, in the present embodiment, the early warning system 10 of borrower's credit risk include a management server apparatus 100,
One data warehousing electronic device 200 and multiple account assistant director's computer installations 300.This management server apparatus 100 is electrically connected
This data warehousing electronic device 200 and these account assistant director's computer installations 300, in particular, management server apparatus 100 penetrates
One or more networks 400 (such as world-wide web or internal network) connect data warehousing electronic device 200 and these account assistant directors meter
Calculation machine device 300, however, the present invention it is unlimited this.
It is carried on a shoulder pole in this way, working as early warning system 10 to a borrower and with the financial relations object on this borrower periphery or finance
When the subject matter insured (the association monitored object that borrower carries out debt ability can be influenced by being referred to as) is monitored, management server apparatus 100 (a)
Using borrower and the association monitored object that borrower's shoe debt ability can be influenced as search key, filled from data warehousing electronics
It sets and collects multiple promise breaking sign variable information in 200；(b) it is repeated periodically and judges whether these promise breaking sign variable information accord with
Close at least one credit risk influence index；(c) it is directed to a judging result, is determined in response to borrower or association monitored object
A risk class out；And a report comprising a wherein risk class (d) is issued to account assistant director's computer installation 300 and is interrogated
Breath.
Therefore when an account assistant director obtains this Report Message from account assistant director's computer installation, this account assistant director can be from
This risk class determines whether to carry out corresponding measure (such as concern, electricity are visited or parent visits), and then the credits of financial institution is avoided to weigh
Benefit causes damages.
In the present embodiment, specifically, above-mentioned these promise breaking sign numbers deposited in data warehousing electronic device 200
It is believed that manner of breathing works as diversification.These promise breaking sign variable information be not only numeric data (such as falling stock price up to particular percentile or
Year's purchase ratio), it is also possible to the event information in relation to financial crisis or credit risk is (such as insufficient in fund to be returned ticket or be included in
The manufacturer that severs communication of government).For example, these promise breaking sign variable information can be the above-mentioned pass of borrower or borrower
Join financial index (as battalion awards ratio, Business Finance Ratio, ratio etc. of being in debt), the accountant's visa of monitored object
(such as visa opinion, replacement), company governance (such as supervisor's unusual fluctuation, pledge than), derivative commodity (such as event of default note
Note etc.), country risk (such as drop comment, sanction, the exchange rate), cash in bank (pay breath, bank's unusual fluctuation, newly increase and pay as refunded
Loan on interest business etc.), credit wind comment (such as drop comments, returns ticket refuse past, the crisis chronicle of events, risk is notified to), gage situation (such as looks into
Envelope, third party's setting etc.), stock message (such as share price, full-payment stock transaction) and other risk indicator (such as Company Establishments
State/real estate index/industry boom prediction etc.).
More specifically, data warehousing electronic device 200 connects an at least internal data server 210, number through network 400
According to storage electronic device 200 to receive the inside promise breaking sign variable information that internal data server 210 is imported.It disobeys inside
About sign variable information is for example derived from the subsystem internal for financial institution itself.These subsystems be, for example, sign report book system,
Systems, the gage system such as comment, cover careful system, limit system, reporting chain, account system etc., however, the present invention not only limits
In this.Data warehousing electronic device 200 connects an at least Outside data services device 220 through network 400.Data warehousing electronics dress
Set the 200 external sign variable information of breaking a contract imported to receive Outside data services device 220.Outside promise breaking sign variable letter
Breath for example obtains information (abbreviation WIND information), Bloomberg News (referred to as from economy of taiwan research institute (abbreviation platform is through institute), ten thousand
Bloomberg), Taiwan clearinghouse (abbreviation ticket hand over institute), juridical person's finance united credit verification center (referred to as connection sign) and/or
Economy of taiwan is newly reported acquired by (Taiwan Economic Journal, TEJ) etc., however, the present invention is not limited only to this.
In addition, the credit risk influence index can go to formulate towards many directions, so that above-mentioned promise breaking sign variable is believed
Breath is able to be judged whether meet specific data range or predeterminable event.For example, credit risk influence index may determine that
Whether following data or event meet specific data range or predeterminable event: financial index is (as battalion awards ratio, Business
Finance Ratio, be in debt than etc.), accountant's visa (such as visa opinion, replace), company governance (be such as responsible for different
Move, pledge than etc.), derivative commodity (such as event of default annotation), country risk (such as drop comment, sanction, the exchange rate),
Cash in bank (such as refund and pay breath, bank's unusual fluctuation, newly increase payment of interest debt), credit wind comment (as drop comments, returns ticket refuse it is past, endanger
The machine chronicle of events, risk notification etc.), gage situation (such as close down, the third party setting), stock message it is (such as share price, in full
Complete a business transaction stock etc.) and other risk indicators (such as Company Establishment's state/real estate index/industry boom prediction).
Fig. 2 is the thin portion square according to the management server apparatus 100 of the early warning system 10 of one embodiment of the invention
Figure.As shown in Figures 1 and 2, management server apparatus 100 includes that a data gatherer 110, one assessment device 120, one is handled
Device 130 and a message R-T unit 140.Data gatherer 110 is so as to borrower and association monitored object to be all used as and retrieve
Keyword collects the promise breaking sign variable information out of data warehousing electronic device 200 respectively.Data gatherer 110 is
Firmware in hardware or chip.However, data gatherer 110 is also unlimited to be only hardware, it is also possible to data collection
Programmed software module.Assessment device 120 is repeated periodically that judge whether the multiple promise breaking sign variable information meets more
A credit risk influence index at least one, for example, assessment device 120 sentence according to the daily batch of a batch list
Whether disconnected promise breaking sign variable information meets a wherein credit risk influence index.There are multiple credit risk shadows in batch list
Snap mark.Assessing device 120 is the firmware in hardware or chip.However, assessing, device 120 is also unlimited to be only hardware, can also
To be to judge whether promise breaking sign variable information meets the programmed software module of credit risk influence index.Message transmitting-receiving dress
140 are set so as to issuing Report Message to account assistant director's computer installation 300.Message R-T unit 140 is for example to issue electricity
The device of sub- mail.Message R-T unit 140 is the firmware in hardware or chip.However, message R-T unit 140 also unlimited
It can be hardware, be also possible to the programmed software module received and dispatched to message.The electric connection of processor 130 data gatherer 110,
Assess device 120 and message R-T unit 140.Processor 130 so as to for judging result made by above-mentioned assessment device 120,
Determine risk class in response to borrower or association monitored object.
It is understood that arriving, but not limited to this in a citing, when assessment device 120 judges a wherein promise breaking sign variable
When information meets credit risk influence index, the risk class that processor 130 is determined in response to borrower is higher than because that should be associated with
Monitored object and the risk class determined.However, the invention is not limited thereto, under other situations, it is possible to occur borrower with
It is associated with monitored object and is judged as identical risk class just under identical credit risk influence index.
But not limited to this in a citing, when assessment device 120 judges data gatherer 110 in a specific period
In (such as on the same day or in 30 days), when collecting duplicate promise breaking sign variable information again, processor 130 will be such that message receives
Transmitting apparatus 140 does not issue identical Report Message still further to account assistant director's computer installation 300.
But not limited to this in a citing, learns a wherein promise breaking sign variable when account assistant director receives Report Message
Information meets credit risk influence index, and account assistant director has completed the related (such as pre- in response to measure of corresponding risk class
Alert operation processing) when (account assistant director winds up the case this Report Message), if data gatherer 110 is in credit risk influence index
When a default specific period (such as on the same day or in 30 days) collected duplicate promise breaking sign variable information again outside, place
Reason device 130 can still make message R-T unit 140 issue identical Report Message to account assistant director's computer installation 300；Conversely, if
Data gatherer 110 in credit risk influence index it is specific during collected duplicate promise breaking sign variable information again
When, processor 130 makes message R-T unit 140 not issue identical Report Message still further to account assistant director's computer installation
300。
But not limited to this in a citing, when the different promise breaking signs of same target (i.e. borrower or association monitored object)
Million data informations correspond with credit risk influence index, so that when processor 130 determines different risk classes, processor
130 selection high risk ranks, and it is special to account so that message R-T unit 140 is issued the Report Message containing high risk rank
Member's computer installation 300.
When assessment device 120 judges that wherein a promise breaking sign variable information does not meet credit risk influence index,
The risk class that processor 130 is determined is minimum (i.e. green light grade or harmless grade), this means, borrower or the association
Monitored object is temporarily fulfilled obligation the facts of contract without potentially possible inability occurs.
More specifically, in the present embodiment, as shown in Figures 1 and 2, management server apparatus 100 includes a connecting interface
Device 150.150 electrically connected processing device 130 of connecting interface device, and data warehousing electronic device 200 is connected through network 400
With account assistant director's computer installation 300.In this way, data gatherer 110 is able to penetrate connecting interface device 150 from data warehousing
The promise breaking sign variable information is collected in electronic device 200, and, message R-T unit 140 is able to fill through connecting interface
150 sending Report Messages are set to account assistant director's computer installation 300.Connecting interface device 150 is, for example, network card device, wireless
Network (WIFI) device or wireless bluetooth device, however, the invention is not limited thereto.
In the present embodiment, as shown in Figures 1 and 2, management server apparatus 100 includes an information feedback device 160.Letter
160 electrically connected processing device 130 of feedback device is ceased, so as to providing account assistant director's computer installation 300 through at 400 feedback of network
Whether the risk class that reason device 130 is determined is correct, so that operator adjusts credit risk influence index.Information feedback device
160 be the firmware in hardware or chip.However, information feedback device 160 is also unlimited to be only hardware, it is also possible to feedback
The whether correct programmed software module of the risk class that processor 130 is determined.
In the present embodiment, as shown in Figures 1 and 2, management server apparatus 100 also includes a storage device 170.Storage
170 electrically connected processing device 130 of device, so as to storing comprising borrower and being associated with multiple key datas of monitored object, with
And the batch list containing these credit risk influence indexs.Storage device 170 for example, memory device, disk set etc.,
However, the invention is not limited thereto.
In the present embodiment, as shown in Figures 1 and 2, management server apparatus 100 also includes a memory device 180.Memory
Device 180 is electrically connected data gatherer 110 and processor 130, so as to storing the data gatherer 110 from data bins
The promise breaking sign variable information collected in storage sub-device 200.Memory device 180 for example, memory device, disk set etc.,
However, the invention is not limited thereto.
Fig. 3 is the borrower enumerated according to one embodiment of the invention and the association prison that can influence borrower's shoe debt ability
Control the schematic diagram of object.In the present invention, borrower 500 is not limited to natural person and legal person, and above-mentioned association monitored object 600 can
Think multiple.For example, in the present embodiment, above-mentioned as shown in figure 3, when borrower 500 is legal person (such as enterprise-like corporation)
Association monitored object 600 can be, for example, the director and warden of borrower 500, shareholder (such as controlling shareholder and secondary shareholder), guarantor,
Party/related company, conglomerate, manufacturer of stocking up, sales manufacturer, upstream and downstream cooperation manufacturer and cause of shifting in investment.On in addition,
It states association monitored object 600 to be not necessary to be natural person and legal person, the financial gage of borrower 500 can also be identified as it
In an association monitored object 600.However, the invention is not limited thereto, as long as having straight/indirect cooperation or gold with borrower 500
Money contacts belong to the potentially possible parameter person for endangering borrower 500 therefore financial insolvency credits, may all be decided to be above-mentioned
It is associated with monitored object 600.
In addition, early warning system 10 in addition to borrower 500 and association monitored object 600 be monitored, early warning
System 10 can more observe the company of the same industrial field of borrower 500.By by the same industrial field of borrower 500
Company as search key, to collect promise breaking sign variable information out of data warehousing electronic device 200, produced with understanding
The general orientation trend in industry field, and then analysis and consulting are provided.
Fig. 4 be according to Fig. 3 borrower 500 and association monitored object 600 respectively in face of different indexs in response to risk
Rank.As shown in figure 4, in the present embodiment, risk class designed by this system is to be in different color cressets 800
It is existing.Since the color of color cresset can not be presented in diagram, its corresponding color lamp is determined with the number in color cresset at this
Number.For example, risk class designed by this system be with the increasingly severe green of degree, blue, yellow, it is orange with it is red
The color cresset 800 of color respectively corresponds the digital level of 1~5 increasingly severe grade of degree.
More specifically, above-mentioned color cresset and/or digital level are at least presented in above-mentioned Report Message.However, this hair
It is bright without being limited thereto.In other embodiments, also Report Message may be presented in color cresset, number or alphabetical one at least within
In.
As shown in Figure 4, for example, when management server apparatus 100 is judged according to a certain credit risk influence index
Monitored borrower 500 occur it is insufficient in fund and when by returning ticket, the risk class that processor 130 determines is that rank 5 is (red
Cresset)；Review, when monitored guarantor's (i.e. wherein association monitored object 600) occur it is insufficient in fund and when by returning ticket,
The risk class that processor 130 determines is rank 4 (i.e. orange cresset)；And when monitored party/related company (i.e. its
In an association monitored object 600) occur it is insufficient in fund and when by returning ticket, the risk class that processor 130 determines is rank 3
(i.e. yellow cresset).
Fig. 5 is the detailed flowchart according to the operation workflow of the early warning system 10 of one embodiment of the invention.Work as account
When assistant director obtains this Report Message from account assistant director's computer installation 300, account assistant director is according to 901~step 909 of following steps
Continue subsequent processing.
In step 901, this account assistant director determines whether this credit risk influence index is suitable first.If so, carrying out
Step 902, conversely, skipping to step 906.
In step 902, if this account assistant director agrees to that this credit risk influence index is suitable, account assistant director's judgement is
It is no meet following controlled predetermined condition: it is abnormal that a. has been transferred to the processing of credits management unit, b. has been included in the operation of examination department
Credit family keyholed back plate table, c. be of that month or secondary January whole contract appointed date and do not extend, d. whole amount is settled cancellation, e. agreement
In refund and not overdue, f. is holding consultation refund.If so, continuing step 903, conversely, skipping to step 908.
In step 903, account assistant director is investigated and is analyzed accordingly according to different risk classes.For example,
When the color cresset 800 of risk class is red cresset, it is proposed that this account assistant director parent visits borrower 500；When risk class
When color cresset 800 is orange cresset, it is proposed that this account assistant director's electricity is visited or parent visits borrower 500；When the color lamp of risk class
Numbers 800 when being yellow cresset, it is proposed that this account assistant director's electricity visits borrower 500；When the color cresset 800 of risk class is blue lamp
Number when, it is proposed that this account assistant director is concerned only with borrower 500；When the color cresset 800 of risk class is green cresset, it is proposed that this
Account assistant director wouldn't need to make related conduct.It is understood that arrive, either borrower 500 or the association monitored object 600
Promise breaking sign variable information meet any credit risk influence index, account assistant director is closed just for borrower 500
Note, electricity are visited or close visit behavior.
In step 904, borrower 500 is paid close attention to account assistant director, after electricity visit or close visit behavior, account assistant director
It assesses whether adjustment cresset, if it is not, being not necessary to assess whether adjustment cresset, then continues step 905, conversely, skipping to step
909。
In step 905, carried out according to different cressets corresponding in response to measure.For example, when the color of risk class
When cresset 800 is green cresset, this account assistant director wouldn't need to make related as (step 910).When the color lamp of risk class
Numbers 800 for blue cresset when, it is proposed that account assistant director carries out following measures: monitoring client operation and credit standing inspect credits guarantor
Barrier situation, and carry out step 908.When the color cresset 800 of risk class is yellow cresset, it is proposed that account assistant director carries out following
Measure: it when improving monitoring client's frequency, close examination credits guarantee situation, the subsequent duration of an exhibition, rethinks working capital financing limit, lead
Draw and make self-liquidating financing, enhance and assure that power or guarantor and raising benefit expense are poor, and carries out step 908.When risk class
When color cresset 800 is orange cresset, it is proposed that account assistant director carries out following measures: reduction or pause are moved and dial credit line, improve
It or is preferential no longer to renew a contract when reinforcement case guarantee power or guarantor, subsequent appointed date；If can not follow, then [yellow should be contrasted
Cresset] duration of an exhibition measure or change amortized with agreement.When the color cresset 800 of risk class is red cresset, it is proposed that account
Family assistant director carries out following measures: working out the mechanism of withdrawing from the arena, total reclaimer, agreement amortization, reduction or pause is unfolded and moves and dials
Amount, raising or reinforcement case guarantee power or guarantor, the processing of quasi- transfer credits management unit.Wherein belong to red cresset or orange
Cresset person need to fill out to cover and slow down risk measure.More specifically, belonging to red cresset or orange cresset person and up to certain sudden and violent dangerous volume≤at least
500 ten thousand or more persons carry out step 911, otherwise carry out step 908.
Longest in relation to risk class (such as color cresset) can handle a day phase and be exemplified below: when account assistant director is from account assistant director
When computer installation 300 obtains this Report Message, account assistant director needs immediately related (such as pre- in response to measure in carrying out in the limited duration
Alert operation processing), it only considers the degree of risk of each case and executes processing complexity difference, each risk class (such as color cresset)
Longest can handle a day phase (being calculated with business day) specification it is as follows: (1) red light: (2) on the 10th orange lamp: (3) amber light on the 7th: (4) on the 5th
Blue lamp: 5 days.
In step 906, since account assistant director determines this credit risk influence index and improper, then system power and responsibility is notified
Unit.After step 906, if necessary, more carrying out step 907: power and responsibility unit inspects confirmation modification system.
In step 908, it is responsible in core to unit.
In step 909, account assistant director adjusts color cresset, such as account assistant director penetrates account assistant director's computer installation
300 adjustment cressets, and through this risk class of 160 feedback of information feedback device of management server apparatus 100 and incorrect,
For adjusting this credit risk influence index.
In step 910, account assistant director wouldn't need to make related conduct, also be not necessary in core to unit or inspection supervisor.
In step 911, in core to the supervisor that supervises and guides.
In this way, penetrate early warning system of the present invention, account assistant director can effectively be early carries out in response to step or upward
Grade supervisor's report, and then the chance of the credits equity of harm reduction financial institution make this system play its maximum comprehensive effect.
In conclusion by early warning system described in above embodiments, borrower and borrower can be influenced carry out debt
Various promise breaking sign variable information of the association monitored object of ability can be by early stage monitoring and interpretation.In this way, being fallen into borrower
Before the stage for entering powerless contract of fulfilling obligation, the account assistant director of financial institution i.e. early can be responsible in response to step or superior
Report, and then the chance of the credits equity of harm reduction financial institution.
Finally, be not intended to limit the invention in above-mentioned disclosed each embodiment, it is any to be familiar with this those skilled in the art, not
It is detached from the spirit and scope of the present invention, when that can be used for a variety of modifications and variations, can all be protected in the present invention.Therefore this hair
Bright protection scope is subject to the view scope of which is defined in the appended claims.
Claims (10)
1. a kind of early warning system of borrower's credit risk, characterized by comprising:
One data warehousing electronic device；
At least account assistant director's computer installation；And
One management server apparatus is electrically connected the data warehousing electronic device and this account assistant director computer installation,
Wherein, the management server apparatus (a) by a borrower and can influence the borrower carry out debt ability at least one
Association monitored object is all used as search key, and multiple promise breaking sign variable information are collected out of this data warehousing electronic device；
(b) be repeated periodically judge the multiple promise breaking sign variable information whether meet multiple credit risk influence indexs at least its
One of；(c) for a judging result and because that borrower or association monitored object due to should determine multiple risk classes
One of them；And a Report Message comprising the wherein risk class (d) is issued to this account assistant director's computer installation.
2. the early warning system of borrower's credit risk according to claim 1, which is characterized in that the management server
Device includes:
One data gatherer, so as to all regarding the borrower and the association monitored object as search key, respectively from the number
According to storage electronic device in collect the multiple promise breaking sign variable information；
One assessment device, judges whether the multiple promise breaking sign variable information meets a wherein credit so as to daily batch
Venture influence index；
One processor is electrically connected the data gatherer and the assessment device, so as to for the judging result and because that should borrow
Money people or the association monitored object and determine the risk class；And
One message R-T unit, is electrically connected the processor, so as to issuing this report message to this account assistant director's computer installation.
3. the early warning system of borrower's credit risk according to claim 2, which is characterized in that described when judging
One of multiple promise breaking sign variable information meet this wherein a credit risk influence index when, the processor is because that should borrow money
People and the risk class that determines is higher than the risk class determined because that should be associated with monitored object；And
When judging that one of the multiple promise breaking sign variable information do not meet a wherein credit risk influence index
When, the risk class which is determined is minimum.
4. the early warning system of borrower's credit risk according to claim 2, which is characterized in that the management server
Device includes:
One connecting interface device is electrically connected the processor, and is connected to the network the data warehousing electronic device and the account through one
Family assistant director's computer installation.
5. the early warning system of borrower's credit risk according to claim 2, which is characterized in that the management server
Device includes:
One information feedback device, is electrically connected the processor, and just whether the risk class determined so as to the feedback processor
Really, for adjusting a wherein credit risk influence index.
6. the early warning system of borrower's credit risk according to claim 2, which is characterized in that the management server
Device includes:
One storage device is electrically connected the processor, so as to store comprising the borrower and it is described association monitored object it is multiple
Key data.
7. the early warning system of borrower's credit risk according to claim 2, which is characterized in that the management server
Device includes:
One storage device is electrically connected the processor, so as to storing the credit risk influence index.
8. the early warning system of borrower's credit risk according to claim 2, which is characterized in that the management server
Device includes:
One memory device is electrically connected the data gatherer, so as to storing the data gatherer from the data warehousing electronics
The multiple promise breaking sign variable information collected in device.
9. the early warning system of borrower's credit risk according to claim 1, which is characterized in that the risk class with
Color cresset, number or letter are presented in this report message.
10. the early warning system of borrower's credit risk according to claim 1, which is characterized in that the loaning bill is artificial
Legal person, and the borrower can be influenced to carry out the association monitored object of debt ability to be director and warden, the shareholder, guarantee of the borrower
People, related company, conglomerate, manufacturer of stocking up, sales manufacturer, upstream and downstream cooperation manufacturer, cause of shifting in investment and financial gage
At least one.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW106135534A TW201917643A (en) | 2017-10-17 | 2017-10-17 | Early warning system for obligor's credit risk |
| TW106135534 | 2017-10-17 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109670928A true CN109670928A (en) | 2019-04-23 |
Family
ID=66141642
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810146773.9A Pending CN109670928A (en) | 2017-10-17 | 2018-02-12 | The early warning system of borrower's credit risk |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN109670928A (en) |
| TW (1) | TW201917643A (en) |
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|---|---|---|---|---|
| US20050119961A1 (en) * | 2003-12-02 | 2005-06-02 | Dun & Bradstreet, Inc. | Enterprise risk assessment manager system |
| CN101388104A (en) * | 2008-10-15 | 2009-03-18 | 中国工商银行股份有限公司 | System and method for evaluating financing risk based on relationship between customers |
| CN105654373A (en) * | 2015-12-24 | 2016-06-08 | 安徽融信金模信息技术有限公司 | Credit reporting system for aiming at medium-sized and small enterprises |
| CN106855989A (en) * | 2016-12-29 | 2017-06-16 | 深圳微众税银信息服务有限公司 | Risk monitoring and control method and system after one kind loan |
| CN107240014A (en) * | 2017-04-28 | 2017-10-10 | 天合泽泰（厦门）征信服务有限公司 | A kind of credit rating method based on enterprise's reference business |
-
2017
- 2017-10-17 TW TW106135534A patent/TW201917643A/en unknown
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2018
- 2018-02-12 CN CN201810146773.9A patent/CN109670928A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20050119961A1 (en) * | 2003-12-02 | 2005-06-02 | Dun & Bradstreet, Inc. | Enterprise risk assessment manager system |
| CN101388104A (en) * | 2008-10-15 | 2009-03-18 | 中国工商银行股份有限公司 | System and method for evaluating financing risk based on relationship between customers |
| CN105654373A (en) * | 2015-12-24 | 2016-06-08 | 安徽融信金模信息技术有限公司 | Credit reporting system for aiming at medium-sized and small enterprises |
| CN106855989A (en) * | 2016-12-29 | 2017-06-16 | 深圳微众税银信息服务有限公司 | Risk monitoring and control method and system after one kind loan |
| CN107240014A (en) * | 2017-04-28 | 2017-10-10 | 天合泽泰（厦门）征信服务有限公司 | A kind of credit rating method based on enterprise's reference business |
Also Published As
| Publication number | Publication date |
|---|---|
| TW201917643A (en) | 2019-05-01 |
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