JP2003141340A - Management information control system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system in which management information is controlled by a computer by utilizing a communication network mainly for small and medium sized companies and a management consultant and a correspondent financial institution, etc., can easily and quickly refer to the management information including analysis of result data. SOLUTION: The management information control system utilizes the communication network. A system manager server is provided with a management result managing program, a default predicting program and a management target managing program and is connected through the communication network to a user terminal, a management manager terminal and a credit manager terminal. Management result data are inputted from the user terminal and required management result data are referred to from the management manager terminal and the credit manager terminal.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a management information management system which manages management information of a company or the like through a communication network such as the Internet and which can be referred to by a transaction financial institution or a management consultant.

[0002]

2. Description of the Related Art It has already become common for companies to manage management information such as sales information, financial information and personnel information by computer systems, including small and medium-sized businesses.
Also, with the spread of the Internet, a number of methods called application service providers, in which an information processing company operates such a business management system as a center server and users use the system through a communication network, have recently appeared. There is. Such a method is particularly effective for small and medium-sized enterprises and individual businesses who have difficulty in owning a server and introducing a business management system.

On the other hand, when a financial institution such as a bank lends to a company or a sole proprietor, the management information, particularly the financial data, should be updated as often as possible in order to manage loan claims and make decisions on additional loans. It is desirable that the latest data can be obtained. Such data is often published as financial statement data on Internet homepages for listed companies, making it easy for anyone to obtain it immediately, but for most unlisted companies and sole proprietors, There is no choice but to directly request the companies to submit related documents. Even when a company introduces a business management system and financial data is compiled relatively early, the business management system is not connected to external parties because the management information contains many confidential items. In most cases, companies print these outputs and submit them in paper. Furthermore, when it comes to small and medium-sized enterprises and private businesses, it is often the case that they lack the ability to compile financial data and cannot submit sufficient data.

The above-mentioned problems cause financial institutions to hesitate to execute loans due to problems in credit management even if they intend to lend to small and medium-sized enterprises such as small and medium-sized enterprises and individual enterprises. Further, even when a management consultant provides management guidance to small and medium-sized enterprises, the results cannot be confirmed satisfactorily, which is a cause of delay in progress of management improvement. These problems are caused by small and medium-sized medical institutions such as private clinics where a small number of people are scattered and the industry tends to be closed.
Especially noticeable.

In order to solve these problems, first of all, as a method of suppressing the amount of investment and appropriately managing management information,
It is effective for small and medium-sized enterprises to introduce a management information management system using the application service provider method. However, if you forget or delay the submission of the output regarding the business performance, it is not possible to transmit the necessary information to financial institutions and management consultants, and the effect of introducing the system will be reduced. In order to prevent such problems, it would be convenient if financial institutions and management consultants could directly access necessary and sufficient data through communication networks.

Further, in order for financial institutions and management consultants to accurately grasp the management status, this is even more so for small and medium-sized businesses with unstable management status, but not only full-year and half-year settlement data. It is desirable to be able to collect data for the shortest possible period as quickly as monthly settlement.

Further, by grasping the data of the business performance with a computer, it becomes possible to compare it with the statistical data of similar companies in the past and to measure the achievement level of the performance against the planned budget. As a result, if it is possible to calculate a forecasted value of future profit trends and determine the direction of management improvement, it is possible to further increase convenience.

[0008]

SUMMARY OF THE INVENTION The present invention provides a management information management system mainly for small and medium-sized enterprises and individual businesses by an application service provider method, and extracts necessary and sufficient information from the system to provide a financial institution. By referring to management information by outside parties such as a business consultant, management information can be transmitted quickly and accurately, and management improvement of small and medium-sized enterprises and credit judgment for small and medium-sized enterprises can be carried out smoothly. And

[0009]

In order to achieve the above object, the present invention is a system for managing management information, which stores management information received from a user, and the management information. A means for accepting a reference request from a business manager or a credit manager for at least a part of the above is provided.

According to the present invention, a user such as a small and medium-sized enterprise uses a business management system through a communication network, and a business manager such as a business consultant and a credit manager such as a financial institution manage the business. Necessary information can be extracted from the information and referred to through the communication network.

The management information may include financial-related information.

In this configuration, financial-related information can be extracted and referenced from the management information as information necessary for the business manager and credit manager.

In the present invention, a means for storing the statistical value of the management information of a plurality of businesses, and an evaluation means for evaluating the management status of the user by comparing the management information received from the user with the statistical value. And a means for accepting a reference request from the business manager or the credit manager for the evaluation result by the evaluation means, or means for notifying the business manager or the credit manager of the evaluation result by the evaluation means. You can

In the present invention, not only the management information of the business operator but also the past performance data of the similar business operator is used to evaluate the business condition of the business operator, and the evaluation information is used as a management consultant or a financial institution. Can be transmitted to.

The statistic value includes statistics on management information of a business operator who has caused a default in the past, and the evaluation means calculates the possibility of default of the user. it can.

In this configuration, the management consultant or the financial institution can predict the default of the business operator by using the management information of the business operator that has caused the past default as the reference data.

It is also possible to provide a means for notifying the business manager or the credit manager when the default possibility is above a certain level.

In this configuration, by setting a certain standard for default prediction, the management consultant and the financial institution can automatically recognize that the possibility of default of the business operator has increased.

According to the present invention, it is possible to provide a means for receiving a business goal set by the business manager and a means for comparing the business goal and the business performance of the user.

According to the present invention, a business manager such as a business consultant inputs a business target value in advance, so that the achievement level of the target can be quickly grasped when the business performance of the business operator is completed.

In the present invention, means for evaluating the result of the comparing means to evaluate the goal achievement status, means for evaluating the management improvement status based on the goal achievement status, and the business manager or the manager regarding the management improvement status. A means for accepting a reference request from the credit manager may be provided.

In the present invention, the management consultant or the financial institution determines whether or not the management situation is improved by the management guidance of the management consultant based on the situation of achievement of the target of the business operator. The trend can be grasped at any time.

In the present invention, means for evaluating the result of the comparing means to evaluate the goal achievement status, means for calculating future management forecast information from the goal achievement status, and the business management for the management forecast information. Means for accepting a reference request from a creditor or the credit manager.

In the present invention, future financial statement forecasts are calculated from the status of achievement of the business operator's goals, and the management consultant and the financial institution can grasp the business statement financial forecasts revised at any time according to the actual results. it can.

In the evaluation of the management improvement status or the calculation of the management prediction information, it is possible to compare the statistical values of the goal achievement status of a plurality of businesses with the goal achievement status of the users.

In this configuration, it is possible to evaluate the achievement status of the target of the business operator by using the past performance data of the similar business operator and grasp the more supported business improvement situation and future financial forecast. it can.

The present invention comprises means for calculating future business forecast information from the tendency of changes in business performance, and means for accepting a reference request from the business manager or the credit manager for the business forecast information. You can

In the present invention, the future financial forecast is calculated from the changing tendency of the business performance such as monthly financial settlement, and the management consultant and the financial institution grasp the financial forecast of the business operator which is revised according to the business performance. be able to.

In the present invention, a means for storing a statistical value for predicting future management information from the tendency of the business performance of a plurality of businesses, and a future value by referring to the statistical value and the business performance of the user It is possible to provide means for calculating the business forecast information and means for accepting a reference request from the business manager or the credit manager for the business forecast information.

In the present invention, the data of a similar business operator in the past is used as reference data to predict the future financial results of the business operator, and the management consultant or the financial institution can grasp the financial statement prediction. it can.

[0031]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a diagram showing the configuration of a management information management system. 2 to 4 are diagrams showing the configurations of a business performance management program, a business performance management program and a default prediction program, a business performance management program, and a business target management program, respectively. 5 to 8 are diagrams showing examples of a financial data display unit, a business manager input screen for management targets, a reference screen for comparing target performances, and a reference screen for reaching performance evaluations, respectively. FIG. 9 is a diagram showing the effect of the management information management system. FIG. 10 is a diagram showing a method of evaluating the direction of management improvement. FIG. 11 is a flowchart of a business information management system using a default prediction program. 12
Is a flow chart of using a business information management system using a business goal management program.

In FIG. 1, a management information manager system 1
00 is a processing device 110 and a business performance management program 12
0, a default prediction program 130 and a management target management program 140. The business performance management program 120 includes a performance data calculation processing unit 121, a performance data storage unit 122, and a financial data display unit 123. Default prediction program 130
Is composed of a default prediction information calculation processing section and a default company tendency data storage section. The management target management program 140 is composed of a management target setting unit 141, a target performance comparison unit 142, an achievement performance evaluation unit 143, and a prediction data storage unit 144. The management information manager system 100 is connected to the user terminal 200, the management manager terminal 300, and the credit manager terminal 400 via a communication network such as the Internet.

Here, the user terminal 200 is a terminal such as a computer to which a business operator such as a company who is a user of the management information management system inputs management information. The business manager terminal 300 is a terminal used by a person such as a management consultant who provides business guidance to the business operator. However, the business manager may be the business operator of the business operator and manage the business improvement. The credit manager terminal 400 is a terminal used by a credit manager who provides a loan to the business operator such as a bank.
The credit manager is not limited to a bank, and includes financial institutions that provide credit to businesses such as leasing companies and that have a wide range of claims to users.

FIG. 2 shows the configuration of the business performance management program 120. The user transmits data regarding the required business performance through a network such as the Internet, but the user terminal 200 has a Web browser,
By providing a Web server on the management information manager system 100 side, it is possible to easily send and receive data. The data input by the user is processed by the Web server, and then processed by the actual data calculation processing unit 121 for each item such as ordering, ordering, goods, and accounting. Here, for example, when items such as sales and expenses are input, the actual data calculation processing unit 121 performs processing in the income statement format,
Necessary items such as gross profit and ordinary profit are calculated. The data processed in this way is the actual data storage unit 12
It is transmitted to and stored in the second database. After that, when the business performance data processing unit 121 processes the business performance data, necessary data is appropriately extracted from the performance data storage unit 122.

When a business manager such as a business consultant or a credit manager such as a bank wants to check the latest financial data, necessary data is referred to through a communication network such as the Internet. The business manager terminal 300 and the credit manager terminal 400 are provided with Web browsers, and the management information manager system 100 is configured to be able to display data according to a request by using a Web application technology such as CGI. It is convenient. The financial data display unit 123 extracts necessary financial data from the actual data storage unit 122 in the financial data extraction unit, creates a display screen for the business manager or the credit manager, and
The eb server performs conversion into a data format that can be displayed by a web browser.

Regarding the display of financial data, an example of a display screen is shown in FIG. You can check the latest financial statements such as balance sheet and income statement on the display screen. It should be noted that the displayed data is restricted by the application software so that more information than necessary is not leaked from the actual data storage unit 122.

FIG. 3 shows the configurations of the business performance management program and the default prediction program. In this configuration, the aim is to evaluate the performance by comparing the business performance data of the user with the statistical values of the performance data of other people, but especially by using the data of the business operator that has caused a default in the past, It is intended for management consultants and banks to try to detect defaults in advance. Here, the default means default of debt such as repayment of principal and delay of interest payment, bankruptcy of lender.

The business performance data of the user stored in the performance data storage unit 121 is the default prediction program 13
Sent to 0 to determine the default likelihood. The management performance data is transmitted to the default prediction information calculation unit 131, and is referred to as the tendency value of the management data regarding the past default enterprise stored in the default company tendency data storage unit 132 to determine the possibility of default. The information about this judgment can be referred to by the business manager or the credit manager, or an alarm is notified to the business manager or the credit manager when the possibility of default exceeds a certain value.

In determining the possibility of default,
Changes in solvency due to increase or decrease in cash liquidity such as cash,
Various methods used for credit judgment are programmed, such as prolongation of purchased debt and reduction of current ratio.

FIG. 4 shows the configurations of the business performance management program and the business goal management program. In this configuration, the purpose is to predict future business conditions from the business performance data, and for the management manager to instruct the management improvement to confirm the progress and to predict the future business condition from the progress. There is.

The business performance data of the user stored in the performance data storage unit 121 is the management target management program 140.
Is transmitted to the target achievement comparison unit 142 or the achievement achievement evaluation unit 143. When it is transmitted to the arrival record evaluation unit 143,
The arrival performance evaluation unit 143 calculates a predicted numerical value of future management data from the change tendency of the performance data. When calculating the predicted numerical value, it is possible to refer to the predicted data storage unit 144 that stores the statistical values of the actual data of similar businesses in the past, and perform more accurate prediction based on the past actual data. is there. These prediction information can be referred to by a business manager or a credit manager through a communication network such as the Internet.

On the other hand, when a business manager such as a business consultant makes a business improvement, the business performance data is transmitted to the target performance comparison section 142. The business manager inputs data on the business target from the business manager terminal 300 through a communication network such as the Internet, and the business target setting unit 141 receives the data. The data set as the management target is transmitted to the target performance comparing unit 142 and compared with the performance data received by the target performance comparing unit 142 from the management performance management program 120. The result of comparing the target and the actual result can be notified to the business manager or the credit manager by referring to the target actual result comparing unit 142, and the achievement achievement unit 143 can evaluate the achievement degree of the target and the future forecast. If it has been done, the business manager or the credit manager can be notified by referring to the target performance comparison unit 143.

FIG. 6 shows an example of an input screen of the business manager terminal 300 when a business manager such as a business consultant sets a target value in the business target setting unit 141. The business manager gives not only the target numerical value for the settlement of accounts but also specific improvement items for realizing it, and provides management guidance. Since this instruction is provided via the communication network, the goal set by the business manager can reach the user who receives the business instruction in real time, and it is possible to manage the data in conjunction with the business performance of the user. Become.

FIG. 7 shows a result obtained by comparing the target and the actual result when the business manager sets the business target.
42 is an example of a screen display that can be referred to from a business manager terminal or a credit manager terminal in the case of 42. Here, not only the comparison of the financial results but also the achievement level of the improvement items that are the basis of whether or not the target has been achieved is compared, and in what part the management improvement is specifically progressing. Can be grasped.

FIG. 8 is an example of a screen display that can be referred to from the business manager terminal or the credit manager terminal with respect to future profit prediction in the achievement achievement evaluation unit 143. Calculation of future profit and loss forecasts is similar to the business performance data of users, comparison of the performance data with statistical data related to the business performance of similar businesses, the performance of management improvement examined from management guidance items, and the performance of relevant management improvement. This is done based on the comparison with the statistical data on the management improvement of the business operator. For such a forecast, it is possible to display the direction of management improvement as a vector by calculating the forecast values for a plurality of periods and connecting the intermediate values of the plurality of forecast values as shown in the graph of FIG.

The effect of the management information management system will be described with reference to FIG. In the graph of FIG. 9, the horizontal axis represents the time axis, and the vertical axis represents the profit status such as sales amount and ordinary profit. Normally, when a bank or the like manages the settlement information of the credit recipient, the regular settlement is often once or twice a year, so the information of the credit recipient can be grasped only at the end of the term, and Changes can only be captured as "point" information (). However, by using the management information management system, it is possible to grasp the monthly settlement of credit recipients at an early stage, and by grasping minute changes in profits at an early stage, the changes in the settlement situation can be treated as “line” information. You can figure it out (). Furthermore, by making it possible to predict the future by the effect of the management target management program, the situation and direction of changes in creditors can be grasped as a "vector" (). In this way, by grasping the situation of credit recipients by “vector”, it is possible to distinguish between those with improved management and those with a worsened management situation, and banks etc. It becomes possible to tackle.

FIG. 10 is a diagram showing a method for evaluating the direction of management improvement. As described above, regarding the future profit forecast, it is possible to display the direction of the management improvement as a vector by calculating the forecast values for a plurality of periods and connecting the intermediate values of the forecast values. When forecasting future profit and loss,
The business performance data of the users and the performance of business improvement are mainly used as the basis.

FIG. 10 exemplifies a method of evaluating the direction of the management improvement from the expected value of the profit forecast, but the evaluation of the direction of the management improvement is not limited to such a quantitative analysis method. For example, “If the reduction of surplus personnel is progressing, there is a tendency that profit improvement tends to continue in the long term.” “Since the effect of advertising in one area has led to sales, the same applies to other areas. The same effect can be expected depending on the method. ”From the qualitative tendency that can be read from the management improvement items, the progress of management improvement is evaluated,
It can also indicate the direction of future profits.

FIG. 11 is a flowchart of the management information management system using the default prediction program.
A user of a management information management system, which is mainly a small and medium-sized enterprise, inputs data relating to management performance such as ordering data and accounting data from a computer terminal (S10), and the data is sent through a communication network such as the Internet to the management information management system. Is sent to the server of the system administrator who operates. The system administrator's server receives the data, stores it in the database, and manages it as management performance information (S11). Of the managed information, necessary information is extracted from the database for information such as financial data to be disclosed to external parties, and the extracted information is transmitted to the financial data display unit (S12). The financial data is displayed in a predetermined format (S13), and a business manager such as a business consultant or a credit manager such as a transaction bank can refer to the financial data from his own terminal through a communication network (S14, S15). When a business manager or a credit manager accesses the financial data, the access authority is confirmed by an identifier such as an ID or a password. By browsing the latest financial data, the credit manager can utilize it for credit judgment such as execution of additional loans and collection of loans (S16).

When the business management system uses the default prediction program, when the business performance data is compiled by the business performance management program, the data is sent to the default prediction program (S17). Here, the default means default of debt such as repayment of principal and delay of interest payment, bankruptcy of lender. In the default prediction program, referring to the statistical value of a similar business operator that has caused a default in the past, the payment capability of the user such as the current ratio is calculated, and the default possibility is calculated (S18). After determining whether the possibility of default is at or above a certain level (S19), if the possibility of default is not at a certain level, the default predictive alarm is not notified (S19).
21) If the level is above a certain level, the user, the business manager and the credit manager are notified (S22, S2).
3). This mainly allows the credit manager to increase the probability of being able to detect the possibility of default in advance.

FIG. 12 is a flow chart of using the business information management system using the business target management program. The flow from the input of the business performance information of the user to the browsing of the financial data by the business manager or the credit manager is the same as the case described above (S31 to S35, S38, S3).
9).

A business manager such as a business consultant browses the financial data and sets a target value for business improvement (S36). If mid- to long-term targets are set as part of management consulting, the target values will be reviewed in consideration of the latest results. The business manager inputs the target value from his / her terminal (S37, input screen display example of FIG. 6), and the data is stored in the server of the system manager via the communication network (S40).

After that, when the user inputs new management performance information (S41), the system manager server manages the data and then compares it with the target value input by the manager (S43). The comparison between the target and the actual result is displayed on a predetermined screen (example in FIG. 7). The business manager browses the target performance comparison screen (S44), and depending on the result, corrects the management target value (S50) and newly inputs the corrected target value (S51). The credit manager can also browse the target performance comparison screen (S45) and utilize the information for credit judgment (S46).

The system administrator server evaluates the achievement record of the user from the result of comparison of the target achievements (S4).
7). In addition to the fluctuation tendency of the actual value, the achievement evaluation is
In some cases, the statistics of similar businesses are also referred to,
The achievement evaluation and settlement forecast data are displayed (S4
8, the example of FIG. 8). The achievement achievement evaluation indicates the progress degree and direction of the management improvement from the degree of achievement of the management improvement item, or while predicting the profit at each time point in the future, as in the example of FIG.
It can also be displayed as a vector that takes the intermediate value. In addition, with respect to the evaluation of the achievement, the evaluation may be performed directly from the actual value of the financial data without going through the process of comparing the target actual (S40 to S43). The business manager browses the displayed evaluation data of achievements and forecast data of settlement of accounts (S49), and corrects the management target value depending on the result (S5).
0), the corrected target value is newly input (S51). The credit manager can also browse the achievement data evaluation and settlement forecast data (S52) and utilize the information for credit judgment (S53).

[0056]

According to the present invention, mainly small and medium-sized enterprises who cannot own a business management system can easily introduce the system to manage management information by computer, and necessary information from the system can be managed. The management consultant and the transaction financial institution such as a bank can easily and promptly refer to the above-mentioned information about a communication financial institution using a communication network. As a result, small and medium-sized businesses can receive more detailed and appropriate management guidance from management consultants, and information can be easily and promptly disclosed to the financial institutions they deal with, thus improving the management status of lenders. It is possible to reduce the risk of not being able to get a loan because of unknown reasons.

The management consultant can easily and swiftly grasp the management situation when conducting the management guidance to the small and medium-sized enterprises, and the consulting work can be made efficient. For small and medium-sized enterprises, which have traditionally been reluctant to deal with financing because it was difficult for financial institutions to grasp their business conditions, the introduction of this system will facilitate credit management and expand financing transactions. Can be expected.

Further, not only the data relating to the business performance but also the management of the target numerical value and the forecast of the future profit and loss are managed on the same system, and the results thereof are displayed to the related parties so that the management consultant or the transaction financial institution can The effect that management can be performed from the perspective of the future can be expected.

As for such effects, there are many small and medium-sized enterprises such as medical institutions, and more efficient management is required. However, since sufficient information is not accumulated, management guidance and credit management can be performed. This is especially expected in fields where know-how is lacking.

[Brief description of drawings]

FIG. 1 is a diagram showing a configuration of a management information management system.

FIG. 2 is a diagram showing a configuration of a business performance management program.

FIG. 3 is a diagram showing configurations of a business performance management program and a default prediction program.

FIG. 4 is a diagram showing configurations of a business performance management program and a business goal management program.

FIG. 5 is a diagram showing an example of a financial data display unit.

FIG. 6 is a diagram showing an example of a management target input screen of a business manager.

FIG. 7 is a diagram showing an example of a reference screen for comparing target performance.

FIG. 8 is a diagram showing an example of a reference screen for achievement evaluation.

FIG. 9 is a diagram showing an effect of the management information management system.

FIG. 10 is a diagram showing a method of evaluating the direction of management improvement.

FIG. 11 is a flowchart of a business information management system using a default prediction program.

FIG. 12 is a flowchart of using a management information management system using a management target management program.

[Explanation of symbols]

100 Management Information Manager System 110 processing equipment 120 Management Performance Management Program 121 Actual data calculation processing unit 122 Actual data storage unit 123 Financial data display 130 Default Prediction Program 131 Default Prediction Information Calculation Processing Unit 132 Default company tendency data storage unit 140 Management Target Management Program 141 Management Target Setting Department 142 Target Actual Comparison Section 143 Achievement record evaluation department 144 prediction data storage unit 200 user terminals 300 Management terminal 400 Credit manager terminal

Claims (12)

[Claims] 1. A system for managing management information, comprising means for storing management information received from a user,
A management information management system comprising means for accepting a reference request from at least a part of the management information from a management manager or a credit manager. 2. The management information management system according to claim 1, wherein the management information includes financial-related information. 3. The management information management system according to claim 1 or 2, wherein means for storing statistical values of management information of a plurality of businesses, and management information received from the users are compared with the statistical values. A management information management system comprising: an evaluation means for evaluating the business condition of the user; and a means for receiving a reference request from the business manager or the credit manager regarding the evaluation result of the evaluation means. 4. The management information management system according to claim 1 or 2, wherein the means for storing the statistical value of the management information of a plurality of businesses and the management information received from the user are compared with the statistical value. A management information management system, comprising: an evaluation means for evaluating the business condition of the user; and a means for notifying the business manager or the credit manager of the evaluation result of the evaluation means. 5. The management information management system according to claim 3 or 4, wherein the statistical value includes statistics on management information of a business operator who has caused a default in the past, and the evaluation means is the user. A business information management system characterized in that it calculates default probability of. 6. The business information management system according to claim 5, further comprising means for notifying the business manager or the credit manager when the possibility of default exceeds a certain level. Information management system. 7. The management information management system according to claim 1, wherein the management target is set by the management manager, and the comparison means compares the management target with the business performance of the user. A management information management system characterized by comprising. 8. The management information management system according to claim 7, wherein the result of the comparing means is evaluated to evaluate a goal achievement status, and the management improvement status is evaluated from the goal achievement status. A business information management system comprising means for accepting a reference request from the business manager or the credit manager regarding the business improvement status. 9. The business information management system according to claim 7, wherein the result of the comparison means is evaluated to evaluate a goal achievement status, and the future management forecast information is calculated from the goal achievement status. And a means for accepting a reference request from the business manager or the credit manager for the business forecast information. 10. The method according to claim 8, wherein in the evaluation of the management improvement status or the calculation of the management prediction information, the statistical value of the goal achievement status of a plurality of businesses is compared with the goal achievement status of the user. Management information management system described in 9. 11. The business information management system according to claim 1, 2 or 7, wherein means for calculating future business forecast information from a tendency of changes in business performance; and the business manager for the business forecast information or A management information management system comprising means for accepting a reference request from the credit manager. 12. The management information management system according to claim 1, 2 or 7, wherein the statistical information is used for predicting future management information from the trends of the business performance of a plurality of businesses, and the statistics. A means for calculating future business forecast information by referring to a value and the business performance of the user; and means for accepting a reference request from the business manager or the credit manager for the business forecast information. Management information management system.