JP2002312555A - Integral system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an integral system capable of quickly acquiring information related with enterprise activities and evaluating the enterprise on the basis of the information. SOLUTION: A task system 1 operating on a server 1 is provided with a general account processing part 111, an accounts receivable processing part 112, an accounts payable processing part 113, an order reception management processing part 114, a purchase management processing part 115, and an inventory management processing part 116 so that the unitary management of data related with tasks can be performed by an integral data base 101. Also, the data on the integral data base 101 are updated generally in real time. An evaluation system 2 receives prescribed evaluation data 102 from among the data managed by the integral data base 101, and performs evaluation processing related with the target enterprise on the basis of the data, and outputs enterprise evaluation result data 231 and transaction evaluation result data 232. A loan judging part 302 provided in a loan system 3 performs loan judgment processing according to those data.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to an integrated system for integrally performing business processes using a computer and a communication network.

[0002]

2. Description of the Related Art Conventionally, when financial institutions and rating agencies evaluate companies, evaluations are mainly made based on published financial statements such as balance sheets and profit and loss statements.
This settlement information is a tabulated numerical value for each settlement period. In Japan, annual settlement is usually performed once a year and interim settlement after half a year is completed. Also, in addition to the above-mentioned financial results information, evaluation was also made using performance forecast information from companies.

[0003]

The above prior art has the following problems. First, since the settlement information is aggregated information throughout the settlement period, it is useful to grasp the situation of the target company as a whole. However, the settlement information is used for each business field, project, product, Detailed business activities such as each transaction could not be captured. Further, for the same reason, it was not possible to grasp detailed trends every month, every week, and every day within the settlement period using settlement information.

[0004] Second, the settlement information is usually released several weeks after the end of the settlement period. There is a time lag of up to 6 months or more from a week. In other words, performing the evaluation using the settlement information means evaluating the situation of the company in the past several months, and cannot evaluate the latest situation of the company using the settlement information. This is particularly problematic when evaluating companies with volatile business performance, businesses in a fast-changing business environment, or venture companies that are in the process of launching new businesses. This can lead to conservative evaluation, evaluation biased toward the safety side, or incorrect evaluation.

[0005] Third, when performance forecast information is used to evaluate a company, the degree of accuracy of the forecast always poses a problem. In addition, high-
Until now, there has been no mechanism to regularly acquire data in real time or in real time and evaluate the company based on the data.

In recent years, due to changes in economic conditions, it has become necessary to more positively evaluate the dynamism of companies than ever before. In addition, as the emphasis on corporate management shifts from the conventional type of pursuit of scale management to the pursuit of core competitiveness, not only large companies, but also small and medium-sized companies or so-called venture companies are evaluated based on the latest situation. There is a need to evaluate correctly.

On the other hand, the technology for constructing a so-called electronic marketplace, which provides a place for companies to find business opportunities by utilizing information technology, has been developed and spread. However, in order for companies to conduct business with each other by taking advantage of the electronic marketplace, it is necessary that an appropriate and timely company evaluation is performed. In particular, in order for companies that have not traded with each other to find trading opportunities in the electronic marketplace and actually conduct business, it is essential to obtain appropriate evaluation information. desired.

[0008] In addition, a company needs funding to actually conduct a transaction, but the company quickly raises funding based on an appropriate company evaluation result or in accordance with the transaction status in the above-mentioned electronic marketplace. A mechanism that can be procured is desired.

The present invention has been made in view of the above circumstances, and has as its object to provide an integrated system capable of quickly acquiring information on corporate activities and performing corporate evaluation based on the information. I do.

[0010]

In order to solve the above-mentioned problems, the present invention provides a business system for executing business processing in a company, wherein the business processing includes accounting processing. An evaluation system that receives evaluation data reflecting the result of the business processing from the business system, performs processing for evaluating the company based on the evaluation data, and outputs evaluation result data. The summary of the integrated system is as follows.

Further, the integrated system of the present invention is characterized by including a financing system for performing a financing judgment process for the company based on the evaluation result data.

Further, the integrated system of the present invention includes a marketplace system for providing a place for transactions between a plurality of companies by electronic means, and the business system is based on a transaction performed in the marketplace system. Executing the business process.

Further, the present invention performs a process of evaluating the company based on data updated at least once a day as a result of a business process in the company, and makes a decision on funding to the company based on the result of the evaluation. The gist is a company evaluation method characterized by performing

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a block diagram showing the configuration of the integrated system according to the embodiment. In FIG. 1, reference numeral 1 denotes a business system that uses a computer to execute business-related processes, 2 denotes an evaluation system that evaluates a company, and 3 denotes a loan system that manages loans to companies and the like. Note that the business system 1 and the evaluation system 2 operate on the server 7.

The business system 1 includes a general account processing unit (General Ledger) 111 that performs general account processing of a company and an account receivable processing unit (Account Receivabl) that manages accounts receivable.
e) Accounts payable processor (A) 112 for managing accounts payable
c. Have. Each of these processing units (111 to 116) writes data based on corporate activities on the integrated database 101, and executes a process using the data written on the integrated database 101. Integrated database 101
In, data related to each of the processing units is managed in a unified manner. In the embodiment shown in FIG. 1, the application service provider (ASP) manages the server 7 and
In this embodiment, the function of the business system 1 is provided to the target company 61 via a communication network. The application service provider also operates the evaluation system 2 on the same server 7. In some cases, business systems for a plurality of target companies operate on the server 7.

The target company 61 uses the marketplace system 5 to find a trading opportunity, procure raw materials, parts, products, services, and the like from the supplier company 63, and sends products, services, and the like to the sales company 62. Or to sell. Here, the marketplace system is a system that provides a place for transactions between a plurality of companies by electronic means using a computer. In FIG. 1, arrows indicated by broken lines indicate the flow of funds. Such activities of the target company 61 are managed by the business system 1. Then, as a result of the business processing by the business system 1, the integrated database 101 is updated in real time.

The business system 1 includes an integrated database 10
Among the data recorded in No. 1, predetermined data is output as evaluation data 102. This evaluation data 10
2 is used by the evaluation system 2. The evaluation system 2 evaluates the company or an individual transaction performed by the company based on the evaluation data, and outputs company evaluation result data 231 and transaction evaluation result data 232 as a result.

A data acquisition unit 301 provided in the financing system 3 acquires the above-mentioned company evaluation result data 231 and transaction evaluation result data 232, and also obtains the target company 61, the sales destination company 62, and the like from the company information database 4. Data on the supplier company 63 is acquired. The company information database 4 is operated by a company information provider and holds company settlement information, analysis result information based on the settlement information, credit information of each company in the financial market, and the like. .

Based on the data obtained by the data obtaining unit 301, the loan determining unit 302 determines whether to make a loan to the target company 61, and the rate determining unit 303 determines the interest rate of the loan. It should be noted that when making a loan decision and a rate decision, judgment or decision processing is performed based on the creditworthiness, repayment ability, and other matters of the target company.
Then, based on the judgment of the loan judgment unit 302, the loan execution unit 304 performs a process of executing the loan, and the fund is
Transferred to 1. When the target company 61 repays the loan, the loan collection unit 305 executes a fund collection process.

According to the above-described mechanism, for example, when the target company 61 procures from the supplier company 63 and sells it to the seller company 62, the evaluation is performed based on the evaluation data 102 on the target company 61, It is possible to make a loan to the target company 61 based on the evaluation result. As a result, it is possible to meet the demand for funds generated by the target company 61.

Next, a method by which the evaluation system 2 performs an evaluation will be described. FIG. 2 is a block diagram illustrating a detailed configuration of the evaluation system. As shown in FIG. 2, the evaluation system 2 includes a financial evaluation unit 211, a product evaluation unit 212, a supplier evaluation unit 213, a company evaluation unit 221, and a transaction evaluation unit 2
22. The evaluation data 102 received by the evaluation system 2 includes financial / accounting data 201,
Product data 202, inventory data 203, supplier data 204, order data 205, and purchase data 206 are included. The financial / accounting data 201 includes:
Includes data on income, expenditures, assets, liabilities, profits, etc. The product data 202 includes data on the price, sales quantity, shipping time, and the like of the product. The stock data 203 includes data on the stock status of each product and its transition. The customer data 204 includes
Contains data about the target company's procurement and sales companies. The order data 205 includes data on orders for each product (or service) and each sales destination. The purchase data 206 includes data on purchase for each product (or service) and each supplier.

The financial evaluation section 211 has financial / accounting data 2
01 based on financial evaluation. Product evaluation unit 212
Is based on the product data 202 and the inventory data 212,
Evaluate the products (or services) sold by the target company. The supplier evaluation unit 213 evaluates the supplier of the target company based on the supplier data 204. The evaluation results by the financial evaluation unit 211, the product evaluation unit 212, and the supplier evaluation unit 213 are output to the company evaluation unit 221 and the supplier evaluation unit 22
Passed to 2. The company evaluation unit 221 and the transaction evaluation unit 222 further receive the order data 205 and the purchase data 2.
06 is received. Based on these, the company evaluation unit 221
Performs the evaluation of the entire target company and outputs the result as company evaluation result data 231. Similarly, the transaction evaluation unit 222 evaluates each transaction performed by the target company and outputs the result as transaction evaluation result data 232.

When making the above financial evaluations, specifically, a balance sheet (B / S), a profit and loss statement (P /
L), cash flow statement, default rate, ROA, RO
E, data such as sales growth rate and profit growth rate are used. Further, when the product is evaluated, data such as the stock quantity of the product, the inventory turnover rate, and the inventories are used. Further, when evaluating transactions related to sales, data such as accounts receivable, sales products (or services), debt collection period, and settlement means are used for each transaction. Also, when evaluating transactions related to procurement, data such as the accounts payable, procured products (or services), debt payment period, and settlement means are used for each transaction.
These data are passed from the business system to the evaluation system as real-time processing or daily processing, except for data relating to settlement of accounts for a predetermined period. Therefore, it is possible to always make an evaluation according to the latest state of the company, and to make a loan decision based on such an evaluation. That is, by using this integrated system, a process of evaluating the company is performed based on data updated at least once a day as a result of the business process in the company, and based on the result of the evaluation, the funding for the company is performed. A decision can be made.

Next, a method for conducting a transaction between a plurality of companies using the above-described integrated system will be described. FIG.
1 is a block diagram illustrating a configuration of an integrated system for performing transactions between companies and evaluating companies for a plurality of companies. In FIG. 3, a business network operator 71
Is the marketplace system 5 and the business system 1
A and the evaluation system 2 are operated. The financial institution 72 operates the financing system 3.

Reference numerals 60A, 60B, and 60C denote companies, and each company is provided with a terminal 8. Of these companies, companies 60A and 60B are the same
A business process is performed using a business system 1A provided by a business network operator 71 in the form of SP, and terminals 8 installed in these companies are provided with a business system 1A.
A can be connected. The business system 1A
Has separate databases for the company 60A and the company 60B. The company 60C operates the business system 1B in the company, and the terminal 8 installed in the company 60C can be connected to the business system 1B. Further, each terminal 8 is connectable to the marketplace system 5, and the companies 60A, 60B, and 60C can find opportunities for mutual transactions via the marketplace system 5.

The status of business activities including transactions is stored as data in a database provided in the business system 1A or 1B. Then, the evaluation data regarding the companies 60A and 60B is passed from the business system 1A to the evaluation system 2. Further, the evaluation data regarding the company 60C is passed from the business system 1B to the evaluation system 2. Evaluation system 2 is based on these evaluation data,
The evaluation of each company and the evaluation of individual transactions in each company are performed, and the evaluation results are passed to the financing system 3. The loan system determines a loan and determines a loan rate based on the evaluation result data, and executes a loan to each company. Then, the company that has raised the necessary funds performs business activities using the funds.

The above-mentioned marketplace system, business system, evaluation system, and financing system are realized using a computer. Procedures such as the processing in the marketplace, the business processing of the company, the processing of evaluating the company, and the processing of the loan are stored in a computer-readable recording medium in the form of a program, and the program is read by the computer. The above processing is performed by executing the processing. Here, the computer-readable recording medium refers to a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, a semiconductor memory, or the like. Alternatively, the computer program may be distributed to a computer via a communication line, and the computer that has received the distribution may execute the program.

The embodiments of the present invention have been described in detail with reference to the drawings. However, the specific configuration is not limited to these embodiments, and the design and the like can be made without departing from the gist of the present invention. included. For example, the processing performed by the business system is not limited to the contents described in the above embodiment, and includes, for example, functions such as R & D management, manufacturing management, supply chain management, sales activity management, and personnel management. There may be. In addition, a company may be evaluated based on data on these functions. Further, in the above-described embodiment, a case has been described in which a loan is made from a financial institution to a company based on the evaluation result by the evaluation system. Alternatively, funds may be directly procured from the market using commercial paper or commercial paper.

[0029]

As described above, according to the present invention, a business system that performs business processing including accounting processing passes evaluation data reflecting the result of the business processing to the evaluation system, and the evaluation system performs this evaluation. Since the evaluation of the company is performed based on the data for use, the freshness and transparency of the data used for the evaluation are increased, and the correct evaluation based on the latest situation of the company can be performed. Further, since raw data related to business processing can be used, evaluation based on detailed information on business partners and transaction contents can be performed.

Further, since the integrated system of the present invention includes the financing system for performing the financing judgment process for the company based on the evaluation result data, it is possible to make the financing judgment based on the latest and detailed situation of the company. become able to. This allows for timely funding without missing out on profit opportunities for the company. In addition, since it is not necessary to collect information necessary for making a loan decision, it is possible to improve the throughput of the process from the loan examination to the loan execution.

Further, according to the present invention, the business system executes the business process based on a transaction performed in the marketplace system. It is possible to provide consistent services up to the provision of funds necessary for business activities including implementation, leading to the revitalization of businesses and the economy.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an integrated system according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a detailed configuration of an evaluation system according to the embodiment.

FIG. 3 is a block diagram showing a configuration of an integrated system for performing transactions between companies and evaluating companies with respect to a plurality of companies according to the embodiment.

[Explanation of symbols]

1, 1A, 1B: business system, 2: evaluation system, 3
... loan system, 4 ... company information database, 5 ... marketplace system, 7 ... server, 8 ... terminal, 60
A, 60B, 60C: Company, 61: Target company, 62: Sales company, 63: Procurement company, 71: Business network operator, 72: Financial institution, 101: Integrated database, 102: Evaluation data, 111: General Accounting Department,
112: Accounts receivable processor, 113: Accounts payable processor, 1
14: Order management processing unit, 115: Purchase management processing unit, 11
6 stock management processing unit, 201 financial / accounting data, 20
2 ... Product data, 203 ... Stock data, 204 ... Customer data, 205 ... Order data, 206 ... Purchase data, 2
11: financial evaluation unit, 212: product evaluation unit, 213: supplier evaluation unit, 221: company evaluation unit, 222: transaction evaluation unit,
231, company evaluation result data, 232, transaction evaluation result data, 301, data acquisition unit, 302, loan determination unit, 3
03: rate determination unit, 304: loan execution unit, 305: loan collection unit

Claims (4)

[Claims] 1. A business system for executing business processing in a company, wherein the business processing includes accounting processing, and an evaluation system in which a result of the business processing is reflected from the business system. An evaluation system that receives data, performs a process of evaluating the company based on the evaluation data, and outputs evaluation result data. 2. The integrated system according to claim 1, further comprising a loan system that performs a process of determining a loan for the company based on the evaluation result data. 3. A marketplace system that provides a place for transactions between a plurality of companies by electronic means, and wherein the business system executes the business process based on a transaction performed in the marketplace system. The integrated system according to claim 1 or 2, wherein: 4. A process for evaluating the company based on data updated at least once a day as a result of business processing in the company, and making a decision on funding to the company based on the result of the evaluation. Characteristic company evaluation method.