JP2002279321A - Credit exposure management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit exposure management system, capable of appropri ately performing a credit exposure management for enterprise as a whole and quickly processing it. SOLUTION: This credit exposure management system is provided with a credit exposure management server 10 to be connected via a prescribed network and performs the credit exposure management for every customer. This system is provided with customers' information database 30 storing time- dependent customer information, including credit information of respective customers of a prescribed enterprise group as a whole and a transaction information database 40 storing the credit limit amount of the respective customers for every operation department and storing transaction information related to the customers. The total credit limit amount of the prescribed whole enterprise group is set, based on the time-dependent customer information of the customer information database 30 and the total of the credit limit amount foe every operation department, and the total credit limit amount of the prescribed whole enterprise group are related to each other and controlled.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit management system for performing credit management based on credit information of a customer.

[0002]

2. Description of the Related Art Conventionally, when trading goods between companies, it is common practice to collect daily charges after delivery of the goods. When selling products, there is a risk that the accounts receivable will not be deposited if the financial condition of the ordering company deteriorates. Therefore, the limit of accounts receivable is usually determined by the creditworthiness between companies. That is, each company prepares for an unexpected event by performing credit management based on the credit information of the customer.

[0003]

However, in such a conventional credit management system, since credit management is performed based only on the current credit information of each customer, sufficient credit management can be performed. There is no problem.
Further, the credit management is performed independently for each business unit, and the credit management state of the other business units is not recognized. Therefore, there is a problem that the credit management cannot be properly performed as a whole company.

[0004] In view of such circumstances, it is an object of the present invention to provide a credit management system that can perform appropriate credit management as a whole company and can perform quick processing.

[0005]

According to a first aspect of the present invention, there is provided a credit management system having a credit management server connected via a predetermined network and performing credit management for each customer. , A customer information database in which chronological customer information including credit information is stored for each customer in the entire predetermined corporate group, a credit limit for each business unit for each customer is stored, and transactions relating to the customer are stored. A transaction information database in which information is stored, wherein the total credit limit of the entire predetermined corporate group is set based on the customer information over time in the customer information database, and the credit limit of each business unit is set. And a total credit limit of the entire predetermined corporate group is managed in association with each other.

According to a second aspect of the present invention, in the first aspect, the credit management server has a circulating means for circulating an electronic application form applied through a network through a predetermined route. A credit management system is characterized in that an application for a credit limit to a customer is approved via a network.

[0007] In a third aspect of the present invention based on the first or second aspect, the credit management server calculates and updates the credit limit of the predetermined corporate group based on the latest information in the customer information database. The credit management system is characterized in that the credit management system has a calculating means.

[0008] In a fourth aspect of the present invention, in any one of the first to third aspects, the credit management server is configured to determine a total amount of the receivable and the order backlog based on the information in the customer information database and the transaction information database. The credit management system has a prediction means for predicting the transition of the credit management system.

According to a fifth aspect of the present invention, in any one of the first to fourth aspects, the credit information stored in the customer information database is provided from a predetermined credit bureau and at a predetermined interval. A credit management system characterized by being automatically added.

According to a sixth aspect of the present invention, in any one of the first to fifth aspects, the credit management server has a warning unit for transmitting a warning notification to a predetermined person in charge at a predetermined timing. It is in the credit management system.

According to a seventh aspect of the present invention, in the sixth aspect, the warning means transmits a warning notification when a credit amount and an order backlog for each customer exceed a credit limit. It is in the credit management system.

According to an eighth aspect of the present invention, in the sixth or seventh aspect, there is further provided a credit uncertainty information database in which credit uncertainty information provided from an external credit uneasiness information provider is stored, and the warning means is provided. When the customer information registered in the customer information database is added to the credit uncertainty information database, and when a customer newly added to the customer information database is present in the credit uncertainty information database A credit management system for transmitting a warning notice to a person in charge of each customer.

In the credit management system according to the present invention, the total credit limit of each business unit is managed in association with the total credit limit of the entire predetermined corporate group. Appropriate credit management can be performed as a whole. Further, since customer information including credit information is stored in the customer information database, the financial condition of the customer can be accurately grasped.

[0014]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described based on embodiments. Of course, the present invention is not limited to this.

FIG. 1 shows a schematic configuration of a credit management system according to an embodiment of the present invention.

As shown in FIG. 1, the credit management server 10 constituting the credit management system according to the present embodiment is connected to a terminal 20 installed in each business unit via a network. Further, the credit management server 10 includes a sales management server 100 that configures a sales management system that performs sales management such as ordering and receiving orders, and an accounting management server that configures an accounting management system that performs accounting management such as payment / payment or accounts receivable. 110 is connected.

The credit management server 10 includes a calculating unit 11, a predicting unit 12, a warning unit 13, and a circulating unit 14.
And a customer information database 30 storing customer information, a transaction information database 40 storing customer transaction information for each business unit, and a credit uncertainty information database 50 storing credit uncertainty information. .

More specifically, the customer information database 30 stores, for each customer in the entire predetermined company group, a company profile such as a customer name, a location, and capital, and credit information of the customer. Is done. This credit information is added at a predetermined interval from a predetermined external credit research organization 120, for example, at intervals of about three months. That is, not only the latest information is stored in the customer information database 30, but chronological customer information is accumulated.

The credit information is provided with a comprehensive score. By referring to the accumulated credit information and comparing the scores, it is possible to easily grasp the transition of the financial condition of each customer. (See FIG. 16).

On the other hand, the transaction information database 40 stores information on transactions for each customer, specifically, claims and order data. Note that the credit data is actually managed by the accounting management server 110, and the order data is managed by the sales management server 100, and is stored in the transaction information database 40 at predetermined intervals. In this transaction information database 40, similar to the customer information database 30, data on the receivables and orders received over time are accumulated.

In addition, the credit uncertainty information database 50 sequentially accumulates credit uncertainty information of companies provided irregularly from an external credit uneasiness information provider 130. This credit uncertainty information includes not only the customer's company registered in the customer information database but also other companies' credit uneasiness information.

The calculating means 11 of the credit management server 10
Calculates the calculated credit limit, which is the total credit limit for each customer in the entire predetermined corporate group, based on the information in the customer information database 30. The calculating means 11
Each time the latest information is added to the customer information database 30, the calculated credit limit is calculated again based on this latest information, and the stored calculated credit limit is updated to the latest data.

Here, as described above, the customer information database 30 stores customer information over time.
Accordingly, the calculating means 11 calculates the appropriate credit limit in order to calculate the credit limit based on the current customer information, that is, the current financial condition of the customer and the transition of the financial condition from the past. it can.

The prediction means 12 is provided in the transaction information database 4
Based on the information of 0, it predicts how the total of the receivables and order backlogs for each customer for each business unit will change in the future. By comparing the total of the receivables and order backlog predicted by the prediction means 12 with the application credit limit or the calculated credit limit which is the credit limit for each customer for each business unit (see FIG. 15), It is possible to easily determine whether the total of the receivables and the order backlog will exceed the application credit limit or the calculated credit limit in the future.

The warning means 13 transmits a warning notification to each person in charge at a predetermined timing, which will be described in detail later.

The circulating means 14 circulates an electronic application form of a credit limit applied by a sales person in each business division to each decision-making person through a predetermined circulating route to make a decision on the electronic application form. .

Here, when a sales person in each business unit sells a product to a customer, he or she applies for a necessary credit limit (application credit limit), and the applied credit limit is approved. And credit within that range. In the credit management system according to the present embodiment, when a sales person in each department creates an electronic application form of the credit limit and submits the electronic application form via a network, the circulating means 14 converts the electronic application form into a predetermined form. The electronic application form is approved by being circulated to each decision-maker in the circulation route, and when approved, is registered as "application credit limit (confirmed)".

Hereinafter, a decision procedure of an electronic application form by the credit management system of the present embodiment will be described. Note that FIG.
8 to 10 to 22 are diagrams illustrating operation screens of the credit management system, and FIG. 9 is a diagram illustrating an example of a routing route according to the present embodiment.

First, the sales representative of each business division has the terminal 20
Open the start page with a browser or the like, and enter the ID and password to start the credit management server 1.
Access 0.

When the user accesses the credit management server 10, a main menu including a plurality of items is displayed (FIG. 2).
When the item 61 of “application decision” in the main menu is selected, an application decision menu including various items related to the application is displayed (FIG. 3). When a predetermined item of the application approval menu, for example, the item 62 of "new application" is selected, the screen shifts to a search screen for searching for information on the company to be applied from the customer information database 30, and the customer name, address, telephone number, etc. A form for entering the company profile of the customer is displayed (FIG. 4).

Here, at least one of the items such as the customer name is entered, and the search button 63 (one of "super high speed search", "high speed search", and "similar search") is selected. As a result, the customer information in the customer information database 30 is searched, and if there is a corresponding customer, a list thereof is displayed (FIG. 5).

If the target company name exists on this screen, the company is a customer who has already made a transaction, so select the "limit application" item 64 (right end in the figure) in the corresponding customer name column. As a result, the customer information is displayed (FIG. 6A), and the electronic application form for applying for the credit limit is displayed (FIG. 6B). FIGS. 6A and 6B show the same screen, and the screen shown in each figure can be displayed by scrolling the screen.
Then, when the user fills in predetermined items of the electronic application form and selects the "confirm new application content" button 65, the content of each entered item is displayed again (FIG. 7). After confirming the description contents of each item on this screen, when the "new application registration" button 66 is selected, the electronic application form is sequentially circulated by the circulating means 14 through a predetermined circulating route, and is determined by each of the decision-makers. Is done.

On the other hand, if the company name to be applied does not exist in the list of search results shown in FIG. 5, the company is a new business partner whose customer information is not stored in the customer information database 30. The predetermined information is registered in the customer information database 30.

More specifically, when the "customer registration application" button 67 is selected on the screen shown in FIG. 5, an application form for registering the company to be applied as a customer is displayed (FIG. 8). Then, fill out each item of this application form,
When the “new transaction start request” button 68 is selected, the borrowing information of the company is provided from a predetermined credit bureau 120.

After the company information is registered, as described above, predetermined items are entered in the electronic application forms shown in FIGS. 6A and 6B. Item 69 must be checked. The business partner code is a code number for managing customers in the sales management system and the accounting management system. By registering the business partner code, the sales management system and the accounting management system can receive and place orders for the company. And management of receivables. That is, the transaction information with the company is registered in the transaction information database 40.

After filling in predetermined items in the form of the electronic application form, the user selects a "confirm new application content" button 65 and confirms the content on the screen shown in FIG. Thereafter, by further selecting the "new application registration" button 66, the electronic application form of the credit limit is circulated by the circulating means 14 through a predetermined circulating route, and is determined by each decision-maker.

Here, the credit limit to be applied is determined by referring to the calculated credit limit stored in the transaction information database 40 and the applied credit limit (fixed) of the other business divisions. The applicant may decide. As will be described later in detail, information in the customer information database 30 and the transaction information database 40 can be browsed by each employee at any time. Therefore, each applicant right can determine the appropriate credit limit by referring to the information in the customer information database 30 and the transaction information database 40 before applying for the credit limit.

As a result, the rate of rejection or remanding at the decision stage can be remarkably reduced, and the decision process can proceed more quickly.

The route of such an electronic application form is not particularly limited. For example, as shown in FIG.
When an application holder, such as a sales representative, applies for the credit limit, the person in charge of the decision is responsible for the sales manager, the business division review department manager, the head office review department manager, the sales department manager, the business department manager, and the head office. When the approval is obtained by all the decision-makers in the order of “supervisor in charge”, the applied credit limit is fixed and registered as “credit limit (fixed)”.

Here, each decision-maker basically approves if there is no problem in the contents of the electronic application, and the electronic application is circulated to the next decision-maker, but at least one person in charge of decision-making , The contents of this electronic application form and the customer information database 3
0 and the information in the transaction information database 40, for example, the total of the calculated credit limit and the other applied credit limit (fixed), and the like, to determine whether the applied credit limit is appropriate. For example, in the present embodiment, at least the “Headquarters examination section manager” is conducting this examination.

When approved by all the decision-makers, the applied credit limit is registered in the transaction information database 40 as "applied credit limit (fixed)".
It should be noted that each of the decision-makers can, of course, deny the application if it does not approve the contents of the application, and can return the application to a predetermined person, correct the contents, and re-apply.

Also, as described above, the transaction information database 4
The “application credit limit (fixed)” registered in “0” is preferably returned to zero when transactions are not performed for this customer for a certain period of time, for example, about two years. This is because if an application credit limit is set even if transactions have not been performed for a long period of time, appropriate credit management cannot be performed for the entire corporate group.

As described above, in the present embodiment, the application of the credit limit can be performed electronically via the credit management server 10, so that the application procedure can be easily performed. In addition, since each electronic application form is determined by each person in charge of determination through the network and sequentially circulated, it is possible to rapidly proceed with the determination process and significantly reduce the time until the final determination. Also, if the person in charge of decision is absent due to, for example, a long business trip, the authority of decision making can be delegated to a designated person on the network. You can proceed with the decision.

In practice, the electronic application form itself is not circulated, but it is automatically notified by electronic mail or the like that there is an electronic application form for which approval is to be given. Each of the received decision-makers accesses the credit management server 10 and decides on each electronic application.

Each of the electronic applications that are being settled can always be checked by each employee. For example,
When the holder of the application confirms the approval status of the electronic application form he applied for, the application approval menu screen shown in FIG.
For example, when the item 70 of "search for approval status (for the person)" is selected, a list in which the approval status of the electronic application form applied by the user is described is displayed (FIG. 10). Further, by selecting each desired limit amount, a detailed decision status of each is displayed (FIG. 11).

As described above, the status of the decision can be checked at any time, and if the decision is delayed, a reminder can be made, and the decision process can be promptly performed.

There is a mistake in the contents of the electronic application form, etc.
If you want to cancel the application for the credit limit, and if the applicant right has not made a decision on the next person in charge of decision, by selecting the "Cancel" button 71 on the screen shown in FIG.
Applications can be easily canceled. However, if the decision of the next person in charge of decision has been completed, the application cannot be canceled until it is returned or the final decision is completed.

In addition, if the application is approved by the final approval, the contents of the application can be changed, such as a change in the application credit limit, or the application itself can be canceled.
As with the application for the credit limit, the electronic application form needs to be circulated through a predetermined circulating route and approved by each decision-maker.

Here, a reference procedure such as “application credit limit (fixed)” determined by such a decision, ie,
Customer information database 30 and transaction information database 4
The procedure for browsing the information stored in “0” will be described.

First, when the user accesses the credit management server 10, the main menu is displayed as described above (FIG. 2). When the "customer information" item 72 is selected on this screen, a customer search screen is displayed (FIG. 4). By inputting a predetermined keyword, for example, a customer name, and selecting a "search" button 63, A list of the corresponding customer names is displayed (FIG. 12). Then, when a target customer name in the list is selected, various kinds of information including a company outline, credit information, etc. of the selected customer are displayed (FIG. 13).

If more detailed information is desired, it can be displayed by selecting various items on this screen. For example, when the item 73 of “credit limit by business unit” is selected, detailed information such as “application credit limit (fixed)” and “calculated credit limit” for each business unit for the customer is displayed (FIG. 14).

For example, when the item 74 of “Credit limit excess forecast” is selected on the screen shown in FIG. 13, a graph showing how the total of the receivables and the order backlog will change in the future is displayed ( See FIG. 15). That is, the prediction means 12
Forecasts future changes in receivables and order backlog for each customer, and compares the result of the forecast with the “application credit limit (fixed)”. It is possible to confirm in advance whether the credit limit (fixed) is exceeded.

For example, in the graph shown in FIG. 15, at present (at the time of 2001-03-12), the sum of the receivables and the order backlog does not exceed the “applied credit limit (fixed)”. -04-02), it can be seen that it exceeds the “application credit limit (fixed)”. Therefore, by referring to this data, it is possible to make an accurate decision such as "You should not take orders until the debts are collected in the future." In addition, it is possible to appropriately prompt each business unit to collect debts and the like.

Note that, of course, the prediction means 12 can also predict how the sum of the receivables and order backlogs of all customers will change in the future. Therefore, by referring to data obtained by comparing the result with the calculated credit limit, credit management can be appropriately performed as a whole corporate group.

Further, when the item 75 of "Past data reference" is selected on the screen shown in FIG. 13, the accumulated data of the credit information of each customer is displayed (FIG. 16). Thereby, the financial condition of the customer can be easily grasped.

As described above, any data of such a customer can be referred to by any employee. Therefore, before the sales person applies for the credit limit,
If the application credit limit is set with reference to these various data, the application can be made with a more appropriate amount, so that the approval can be promptly advanced.

Further, in the credit management system of the present invention, employees can always view various customer data, but in order to perform more appropriate credit management, the total of the receivables and order backlog is calculated or applied. The warning unit 13 transmits a warning notification to a predetermined person in charge at a predetermined timing such as when the credit limit is exceeded.

Each person who has received such a warning notification can check the detailed contents by accessing the credit management server 10.

The procedure is as follows. First, when the item 81 of “warning” is selected in the main menu shown in FIG.
A list of warning contents is displayed as shown in FIG. Then, by selecting a predetermined item from the list, a list of customers corresponding to each warning content is displayed. For example,
When the item 82 of “calculation <receivable” is selected, a list of customers whose total receivables and order backlog exceed the calculated credit limit is displayed (FIG. 18). Further, when the item 83 "by business unit" in the list is selected, the breakdown by business unit is displayed (FIG. 19).

When the user selects the item 84 of “application <claims” on the screen shown in FIG. 17, all the business units and the names of the business units are displayed (FIG. 20).
By selecting the item 85 of "all business units", a list of customers whose receivables and order backlog exceed the application credit limit is displayed (FIG. 21).

When the item 86 of “calculation <application” is selected on the screen shown in FIG. 17, a list of customers whose application credit limit exceeds the calculated credit limit is displayed (FIG. 17). 22).

As described above, the warning means 13 transmits the warning notification, so that each person in charge can easily understand that the total of the receivables and the order backlog exceeds the calculated or applied credit limit. The credit management can be performed more reliably and appropriately.

In this embodiment, the warning means 13
If the information newly added from the external credit uncertainty information provider 130 to the credit uncertainty information database 50 includes the information of the company registered in the customer information database, each person is warned to that effect. Sending notifications.
Also, when a new company is registered as a customer in the customer information database 30 and the credit uncertainty information of the company exists in the credit uncertainty information database 50, the warning unit 13 is also provided.
Sends a notice alerting each person to that effect.

Further, as described above, the credit information of the customer is added to the customer information database 30 about four times a year by the external credit information research organization 120, and the credit information includes the rating of each customer. Is added. And
If the difference between the score of the newly added credit information and the previous score is, for example, -3 points or more,
A notice to that effect is sent to a designated person in charge.

As described above, when information indicating the deterioration of the financial condition of each customer is newly added, the warning means 13 transmits a warning notification to each person in charge, so that each person in charge , You can always accurately understand the financial condition of the customer, and by adjusting the order amount according to the situation,
Appropriate credit management can always be performed.

[0066]

As described above, in the credit management system of the present invention, the total credit limit of each business unit is managed in association with the total credit limit of the entire predetermined corporate group. Appropriate credit management can be performed for each business unit and for the entire corporate group. Further, since the customer information and the transaction information are respectively accumulated, it is possible to easily grasp the transition of the business state of the customer, and it is possible to perform more appropriate credit management.

[Brief description of the drawings]

FIG. 1 is a diagram showing a schematic configuration of a credit management system according to an embodiment of the present invention.

FIG. 2 is a diagram showing an example of a screen of a credit management system according to an embodiment of the present invention.

FIG. 3 is a diagram showing an example of a screen of the credit management system according to the embodiment of the present invention.

FIG. 4 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 5 is a diagram showing an example of a screen of the credit management system according to the embodiment of the present invention.

FIG. 6 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 7 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 8 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 9 is a diagram illustrating a circulation route of the credit management system according to the embodiment of the present invention.

FIG. 10 is a diagram showing an example of a screen of the credit management system according to the embodiment of the present invention.

FIG. 11 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 12 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 13 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 14 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 15 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 16 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 17 is a diagram showing an example of a screen of the credit management system according to the embodiment of the present invention.

FIG. 18 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 19 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 20 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 21 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

FIG. 22 is a diagram showing an example of a screen of the credit management system according to one embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Credit management server 11 Calculation means 12 Prediction means 13 Warning means 14 Terminal means 20 Terminal 30 Customer information database 40 Transaction information database 50 Credit uncertainty information database 100 Sales management server 110 Accounting management server 120 External credit research organization 130 Credit uncertainty information provision Person

Claims (8)

[Claims] 1. A credit management system having a credit management server connected via a predetermined network and performing credit management for each customer, comprising: A customer information database in which customer information is stored, and a transaction information database in which a credit limit for each business unit for each customer is stored, and transaction information about the customer is stored. The total credit limit of the entire predetermined corporate group is set for each customer based on the customer information over time, and the total credit limit of each business unit and the total credit limit of the entire predetermined corporate group are set. And a credit management system, wherein the credit management system is managed in association with the credit management system. 2. The credit management server has a circulating means for circulating an electronic application form applied via a network through a predetermined route, and the application of a credit limit to each customer is settled via the network. The credit management system according to claim 1, wherein the credit management is performed. 3. The credit management server according to claim 1, further comprising calculating means for calculating and updating a total credit limit of the predetermined corporate group for each customer based on the latest information in the customer information database. The credit management system according to claim 1. 4. The credit management server according to claim 1, further comprising prediction means for predicting a change in the total of the receivables and the order backlog based on the information in the customer information database and the transaction information database. 3. The credit management system according to any one of 3. 5. The credit information stored in the customer information database is provided from a predetermined credit bureau and is automatically added at a predetermined interval. Credit management system described. 6. The credit management system according to claim 1, wherein the credit management server has a warning unit that transmits a warning notification to a predetermined person in charge at a predetermined timing. 7. The credit management system according to claim 6, wherein the warning unit transmits a warning notification when the amount of credit and the order backlog for each customer exceeds the credit limit. 8. A credit uncertainty information database in which credit uncertainty information provided from an external credit uncertainty information provider is stored, wherein the warning unit is configured to display information of a customer registered in the customer information database. When the customer is added to the credit uncertainty information database and when a customer newly added to the customer information database exists in the credit uneasiness information database, a warning notification is transmitted to a person in charge of each customer. The credit management system according to claim 6 or 7, wherein