JP2005134937A - Financing examination system and financing examination program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a financing examination system and a financing examination program, allowing unitary management of the whole progress of a series of financing examination business, allowing sharing of it with all offices, and allowing browsing of it. <P>SOLUTION: An application execution part of a server 1 is provided with a published financial data registration part 31, an itemized detail registration part 32, an actual situation financial data production part 33, an extraction code decision part 34, an enterprise credit rating decision part 35, a debtor classification registration part 36, a financing policy registration part 37, and a workflow management part 38, for example. In an enterprise information database 5, various kinds of information (financial data, non-financial data or the like) about a loan customer enterprise is unitarily managed. On the server 1, status of applications each processing each business of financing examination is list-displayed on a user interface 20 of a terminal 10. Information about the financing examination is shared with each of the terminal of the head office and branches. Thereby, the financing examination can be efficiently performed. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a loan screening system and a loan screening program for supporting loan screening.

  Bank loans can be broadly divided into bill discounts, bill lending, certificate lending, overdraft, and payment acceptance. When lending to a customer such as a company from a bank, various data such as financial data is collected for the loan target customer, and the loan officer performs customer assessment and credit rating based on each of these data, etc. Set up the conditions of the loan and draft the approval document for the loan review (also called the appraisal). The drafted approval document is circulated by a predetermined route according to the amount of money, etc., and is executed after receiving a branch manager approval or a head office approval.

As an attempt to automate a part of a series of loan review operations, it is known to calculate an index value of financial status based on customer financial data and automatically determine customer credit ( For example, Patent Document 1).
JP 2002-83128 A

  Management of financial data has been computerized, but not all information necessary for loan examination practice is centrally managed by computer, and some data is stored in the computer Data is distributed in the ledger. Accordingly, the person in charge creates a paper document approval document while referring to the distributed data, and circulates it with a large amount of financial statements of the client company to be financed. For this reason, it takes a lot of time to prepare the approval document, and it takes a long time to circulate the approval document and receive the necessary approval.

  In addition, because the information related to the loan review is not centrally managed, the history of the loan review including the process up to the drafting of the approval document, the approval / disapproval status after placing the approval document on the circulation route, and whether or not the loan has been executed. There is also a problem that the person in charge of loan examination cannot quickly and easily grasp the person in charge, such as a person in charge, another employee in the branch, a branch manager, or a member of the head office examination department. If all the parties involved in the loan review cannot easily grasp the entire flow from loan application to loan execution, the judgment criteria and scope of responsibility of each person in charge will become unclear, and unexpected authority There is also a risk of infringement.

  The present invention has been made in view of the above-described problems, and its purpose is to centrally manage the overall progress of a series of loan review operations, share the information in all stores, and view the loan review system. To provide a loan review program. Another object of the present invention is to provide a loan review system and a loan review program that can create a request for loan review in a predetermined order step by step. Further objects of the present invention will become clear from the description of the embodiments described later.

  In order to solve the above problems, the loan examination system according to the present invention includes a customer information database that centrally manages information related to customers subject to loan examination, and a series of steps necessary for loan examination using the customer information database. A plurality of business processing means for processing each business, and a processing status management means for displaying a list of processing statuses by each business processing means on the user interface.

  This loan examination system can be constructed as a client-server type distributed computer system, for example. For example, the terminal can be installed for each user such as a general bank employee, a branch manager, a head office examination department member, or for each department, and a data terminal using mobile communication can also be adopted.

  The customer information database is used to centrally manage information about customers that are subject to loan examination. Information related to customers means information directly or indirectly related to loan screening. Specifically, financial information, collateral information, guarantor information, deliberation information, assessment information, management structure, employee information Includes financial and non-financial data such as morals, qualities, industry characteristics and trends.

  As a plurality of business processing means for processing a series of business operations required for loan examination, for example, means for registering data in a customer information database or correcting registered data, registered in a customer information database A means to perform a predetermined evaluation based on data and a predetermined evaluation standard, a means to input a loan policy based on the evaluation, and an electronic approval document to be drafted based on the input loan policy and circulate through a predetermined route And a means for accepting or rejecting it. Each of these business processing means is preferably provided on a server.

  The processing status management means manages the processing status of each business processing means and displays a list on the user interface (of the terminal).

  As a result, all employees involved in loan examination can share information from loan application registration to loan execution through the terminals of the head office (headquarters) and each branch, and processing of each business until loan execution The status can be easily and quickly grasped by a list display, and progress management can be performed.

  In a preferred embodiment, the processing status management means displays a list of processing statuses by the respective business processing means in a processing order in loan examination.

  The processing order in the loan examination means that it follows a series of procedures of the loan examination from the loan application registration to the loan execution. By displaying the processing status in a list along the flow of loan examination, it is possible to grasp at a glance the progress status of a certain loan project.

  Specifically, for example, the processing status management means includes the registration or correction status of data, the status of whether or not a predetermined evaluation has been made, the status of whether or not a loan policy has been input, and the drafting of the approval document. The presence / absence and circulation status can be displayed in a list in this predetermined order.

  In a preferred embodiment, the processing status management means manages the next business so that the next business cannot be processed so that the business processing means is processed in a predetermined order.

  The processing status management means manages the flow of the business so that each business of the loan examination is executed in a predetermined order. For example, the loan policy is input before the necessary data such as financial data is registered in the database. Prevent the occurrence of equality.

  In a preferred embodiment, in addition to a list of processing statuses by the processing status management means, link information display means for displaying link information to information sources available for customer management analysis at the same time is also provided.

  Examples of information sources that can be used for management analysis include financial statements, tree analysis, and indicators indicating cash flow.

  The electronically issued approval document is circulated according to a preset circulation policy or route, and is approved or rejected. For example, if the default circulation destination user is absent due to a sudden business trip, sick leave, etc., an approval document is sent to a higher-level user manually or automatically, and the absence user receives confirmation later. May be.

  The present invention can also be understood as a computer program. This program can be distributed in a fixed manner on a recording medium such as a CD-ROM, HDD, or memory, or can be distributed via a communication network.

  An embodiment of the present invention will be described with reference to FIGS.

  FIG. 1 is an explanatory diagram showing the overall configuration of a loan examination system according to the present invention. This loan examination system is roughly composed of a server 1 and terminals 10 installed at the head office and each branch. The server 1 and each terminal 10 are, for example, a communication network CN such as the Internet or a dedicated communication line. Are connected so that two-way communication is possible.

  The server 1 includes a user interface (UI) unit 2, an application execution unit 3, a data management unit 4, and databases 5 and 6 with a three-layer structure.

  In the user interface unit 2, for example, a web browser is used. As a result, the loan examination system can be used simply by installing a web browser on the terminal 10. The application execution unit 3 executes operations at each stage of loan examination, and the execution result is reflected in the company information database 5 via the data management unit 4. The company information database 5 is a database that centrally manages customer company information. For example, bibliographic data such as a customer name and business type, financial data of the customer (announced financial data and actual financial data), Non-financial data such as industry trends to which the customer belongs and other data related to loan examination (for example, approval information, loan amount, loan conditions, etc.) are registered in association with each other. The other database 6 can store other data such as past bankruptcy case models, for example.

  Returning to the description of the application execution unit 3. The application execution unit 3 executes a predetermined application according to data and instructions input from the user interface unit 2. The application execution unit 3 includes a public financial data registration unit 31, a breakdown statement registration unit 32, an actual financial data creation unit 33, an extraction code determination unit 34, a credit rating determination unit 35, a debtor category registration unit 36, and a loan policy registration unit 37. And a workflow management unit 38.

  The published financial data registration unit 31 registers the published financial data (published balance sheet, published profit and loss statement) in the company information database 5 via the data management unit 4. The breakdown details registration unit 32 registers the breakdown details in the company information database 5. The actual financial data creation unit 33 registers the actual financial data in the company information database 5 and accepts correction of the already registered actual financial data. The extraction code determination unit 34 refers to various data registered in the company information database 5, performs automatic determination of self-assessment extraction codes (details will be described later), and registers the determination result in the company information database 5. . In the drawing, the “self-assessment extraction code determination unit” is abbreviated as “extraction code determination unit” for the sake of space.

  The credit rating judgment unit 35 automatically judges the credit rating of the client company based on the financial data and non-financial data registered in the company information database 5 and registers the judgment result in the company information database 5. is there. The obligor category registration unit 36 registers the obligor category of the client company in the company information database 5. The loan policy registration unit 37 registers the loan policy determined by the person in charge based on the company credit rating and the debtor classification in the company information database 5. The workflow management unit 38 manages the flow of loan examination, that is, the drafting status and circulation status (approval status) of the approval document.

  On the other hand, the terminal 10 is installed at the head office and each branch, and includes a computer main body and a display 20 as a user interface. The user interface includes, for example, an information output device such as a display and an information input device such as a keyboard switch. In the figure, the input device such as a keyboard switch and a mouse is not shown, and only the display is enlarged. .

  On the display 20, the processing status (hereinafter also referred to as status) of each operation of loan examination is displayed in a list format in the order described below.

  What is displayed at the top is a public financial data registration status 21 indicating whether or not the public financial data has been registered in the company information database 5. Next, a breakdown detail registration status 22 indicating the registration status of the breakdown details is displayed. The actual financial data creation status 23 indicates whether actual financial data has been created or modified. The self-assessment extraction code determination situation 24 indicates whether or not the self-assessment extraction code is automatically determined. The corporate credit rating judgment status 25 indicates whether or not the corporate credit rating has been judged. The obligor category registration status 26 indicates the status of whether or not the obligor category of the customer company has been registered. The loan policy registration status 27 indicates the status of whether or not a loan policy (amount, conditions, etc.) for the client company has been registered. The workflow draft status 28 indicates the status of whether or not a loan appraisal document has been created electronically. The workflow approval status 29 indicates the circulation / approval (approval) status of the approval document. As shown in FIG. 2, each of these statuses is displayed together with the date of processing (may be included up to the time if necessary).

  As described above, in this loan review system, the status of each business of loan review is displayed in a list format according to the processing order, and the progress of the loan review to the client company can be grasped at a glance. Various information relating to the loan examination is centrally managed by the company information database 5. In addition, although access authority is set as necessary, various information on the loan examination is also shared with the employees of the head office and each branch via other terminals 10.

  Next, with reference to FIG. 2, an example of a screen provided by the loan examination system to each terminal 10 will be described.

  FIG. 2 is a main screen of the loan examination system. On the main screen, menus of tag menus T1 to T4 shown at the top of the screen and submenus M1 to M4 shown at the left end of the screen are prepared. It is possible to move to a desired screen by selecting a submenu of each tag menu.

  The tag menu T1 “ToDo” is a menu for collecting tasks to be processed or confirmed every day and tasks with high priority. The submenu includes a progress management menu M1 for managing the progress of corporate examination, a due date management menu M2 for managing various due dates and deadlines, a workflow menu M3 for managing the acceptance status of approvals, and important items such as financial statements. There is an important material management menu M4 for managing the transfer situation.

  The tag menu T2 “reference customer information” is for calling and referring to customer information registered in the company information database 5. Although “illustration is omitted”, “reference to customer information” has a “customer identification” submenu, which can perform a customer master search and display a list of customers by store. Also, once a customer is identified, the sub-menu for each customer will change depending on the customer category (corporate, sole proprietor, individual, local government, etc.) and industry (general, construction, medical, etc.) Yes.

  The tag menu T3 “customer information registration” is for registering customers. In the “customer identification” submenu, in addition to “customer master search” and “customer list by store”, “new customer registration” Can be done.

  The tag menu T4 “etc” is used in other menus, for example, when displaying information of a plurality of customers in a list of business units such as “company examination”, “credit management”, “important property management”, etc. .

  In the upper right of the main screen (the display position is not limited to the upper right), information (a department, name, terminal ID) of a user who has logged into the loan examination system is displayed. For example, when the user name and password are entered and the authentication is successful, the user can log in to the loan examination system. Access management is also performed, and only data corresponding to the user's access authority can be referenced and edited. It is possible to log off from the system by selecting and pressing the log off button B1 with the pointer. Note that an access record such as which user has logged in is recorded in an access monitoring file (or access monitoring database) (not shown) provided in the server 1. It is possible to return to the previous screen by a “return” button B2 arranged below the logoff button B1.

  In the company examination progress management screen shown in FIG. 2, a customer identification field G1 for identifying a customer, a company examination classification field G2, a settlement data acquisition status field G3, a trial data acquisition status field G4, and links to various information sources A column G5 and a status management column G6 are respectively displayed.

  In the customer identification column G1, for example, the name of the managing store, the customer name, the business type, etc. can be displayed. In the company examination classification column G2, for example, the examination reference date and examination classification can be displayed. In the settlement data acquisition status column G3, for example, the announcement of a predetermined number of years such as five years and the acquisition status of actual financial data can be displayed. Here, symbols are displayed in the year in which the settlement data is obtained, but different symbols are displayed according to the acquisition route. For example, if the center that manages and registers corporate financial data in a batch registers the settlement data, it is displayed with a circle, and if the person in charge registers it manually, it is displayed with a double circle. Can be distinguished. In this loan review system, the complex loan review work is digitized to achieve operational efficiency, and various measures are taken to ensure the fairness by preventing the arbitrator's allegiance from intervening in the loan review work. Has the ingenuity. One of them is means for indicating the difference in the above-described data acquisition route by the difference in the display mark. This means can be called a mark display management means or the like.

  In the trial calculation data acquisition status column G4, the acquisition status of the trial calculation data is displayed. In the link column G5, a list of link information to various information sources used for loan examination is displayed. Examples of link information include, for example, balance sheet (announced), balance sheet (actual), income statement (public), income statement (actual), balance sheet analysis result, income statement analysis result Management index, tree analysis, fund management table, breakeven point analysis, summary analysis table, etc.

  In the status management column G6, as described above with reference to FIG. 1, the published financial data registration status 21, the breakdown details registration status 22, the actual financial data creation status 23, the self-assessment extraction code determination status 24, the corporate credit rating determination status 25, the debt The person category registration status 26, the loan policy registration status 27, the workflow draft status 28, and the workflow approval status 29 are displayed in this order (in the order of loan examination) in a list format.

  More specifically, the status management column G6 is configured as a list in which each business item name, its status, and its processing date are associated with each other. Further, in the self-assessment extraction code determination situation 24 and the company credit rating judgment situation 25, a “determination” button is displayed in each item name column. The loan officer can automatically perform self-assessment and corporate credit rating by pressing the determination button with a mouse operation or the like. Further, it should be noted that the processing is advanced according to the display order of the status management column G6. For example, the obligor category cannot be registered before registering the public financial data. Further, unless actual financial data is created, a determination button for automatically determining self-assessment does not appear. Similarly, the automatic determination button for the company credit rating appears in the status management column G6 for the first time after the determination result of the self-assessment extraction code is registered. Accordingly, the loan officer cannot issue an electronic approval document in an order other than a predetermined procedure, thereby preventing arbitraryness from entering into the loan examination.

  Next, the operation of the loan examination system will be described with reference to the flowcharts of FIGS. In addition, the flowchart shown in the figure shows the outline of the procedure of loan examination work, and is different from the flow of computer processing.

  First, the loan officer accesses the server 1 from the terminal 10 via the communication network CN, inputs a user name, a password, etc., receives authentication, and logs into the loan review system. The personal authentication is not limited to a character code such as a user name and a password. For example, biometric authentication for collating fingerprints and voices may be used, or an electronic key (for example, a memory in the key) attached to the terminal 10 The device may be an apparatus that inputs the encryption code stored in the terminal 10 to the terminal 10 via the USB interface), and may further perform authentication by appropriately combining character codes, biometric authentication, electronic keys, and the like. .

  When the loan officer logs in to the loan review system and reaches the main screen shown in FIG. 2, a status management column G6 and the like are displayed on the main screen related to the loan review of a certain customer (S1). The loan officer visually checks the status (denoted as “ST” in the figure) of the published financial data registration status 21 in the status management column G6. If the public financial data is not registered, the public financial data for the customer can be accepted. The public financial data is transmitted from the center to the server 1 and registered in the company information database 5 (S3). When the public financial data is registered in the company information database 5, the status of the public financial data registration status in the status management column G6 changes to “registered” (S4). The description of the breakdown details is omitted.

  Next, the loan officer visually checks the status of the actual financial data creation status 23 and confirms whether or not the actual financial data has been created (S5). If the actual financial data has not been created, the server 1 can accept the correction of the actual financial data for the customer, and the input actual financial data is registered in the company information database 5 (S6). When actual financial data is registered in the company information database 5, the status of the actual financial data creation status 23 in the status management column G6 changes to “created” (S7).

  Next, the loan officer visually checks the status of the self-assessment extraction code determination status 24 and confirms whether or not the self-assessment extraction code is determined (S8). The self-assessment extraction code is determined by, for example, various pre-set values such as “whether the stock price is broken,” “repayment is delayed”, “recurring profit is in deficit”, etc. For each of the indicators, the management content and the financial content are diagnosed based on a predetermined standard set for each indicator.

  If the determination result of the self-assessment extraction code is not registered, the loan officer presses the “determination” button displayed in the item name column of the self-assessment extraction code determination situation 24 by operating the mouse or the like to make the determination. (S9). Here, the determination button is not displayed until the public financial data and the actual financial data are registered and ready for automatic determination of self-assessment. When the loan officer presses the determination button, each index is determined, and the determination result of the self-assessment extraction code is registered in the company information database 5 (S10). Then, the status of the self-assessment extraction code determination situation 24 changes to “registered” (S11). In the figure, the self-assessment extraction code may be abbreviated as “self-assessment”.

  Next, the loan officer visually checks the status of the corporate credit rating determination status 25 to check whether the corporate credit rating has been determined and registered (S12). If the corporate credit rating is not registered, the loan officer presses a determination button appearing in the item name column of the corporate credit rating determination status 25 (S13) to automatically determine it. The company credit rating judgment unit 35 of the server 1 performs a company credit rating based on the financial data and non-financial data read from the company information database 5 and registers the result in the company information database 5 (S14). As a result, the status of the corporate credit rating determination status 25 changes to “registered” (S15).

  Here, the determination button for automatically determining the corporate credit rating does not appear in the status management column G6 until the determination of the self-assessment extraction code is completed. In addition, when financial data is manually input, it is possible to set the corporate credit rating so that it cannot be automatically judged in order to prevent the arbitrary charge of the person in charge from entering.

  Moving to FIG. 4, the loan officer looks at the status of the debtor category registration status 26 and checks whether the debtor category is registered (S16). If the debtor category is not registered, the loan officer inputs the debtor category (S17). The entered debtor classification is registered in the company information database 5 (S18), and the status of the debtor classification registration status 26 changes to “registered”.

  Further, the loan officer visually checks the status of the loan policy registration status 27 and checks whether or not the loan policy has been registered (S19). If the loan policy is not registered, the loan officer inputs the loan policy (S20). Information to be entered as a loan policy includes, for example, “policy rank” classified as “active”, “reactive”, “forward”, “maintain”, “withdrawal”, applicable interest rates, and specific Can be mentioned. The entered loan policy is registered in the company information database 5 (S20), whereby the status of the loan policy registration status 27 changes to “registered” (S21).

  By preparing each of the above tasks, preparations for the approval document are completed. Accordingly, the loan officer confirms the status of the workflow draft status 28 (S22). If the draft is not drafted, the necessary items are entered and the electronic draft is drafted (S23). . The created approval document is registered in the company information database 5, and the status of the workflow draft status 28 changes to “draft completed” (S24).

  The created approval document (indicated as “workflow” in the figure) is circulated through a predetermined route determined by the financing conditions, such as a section manager, deputy branch manager, branch manager, head office examination department, etc. Denied (S25). The intention indication of approval or rejection is recorded as electronic data in the approval document (S26). The circulation route can be dynamically changed according to various conditions. For example, when the person in charge of circulation is absent, the approval document may be transmitted to another person in charge by skipping the absentee.

  The approval status or rejection status of the approval document at each circulation destination is registered in the company information database 5 (S26), and it is automatically determined whether or not it has been approved at all necessary circulation destinations (S27). When the approval necessary for executing the loan is received, the status of the workflow approval status 29 changes to “approved” (S28).

  Next, screen transition will be briefly described with reference to FIGS.

  FIG. 5 shows a search screen for company examination. In the search key input field G7, customers to be confirmed can be narrowed down by various search keys such as the name of the branch in charge, the progress status, and the name of the person in charge. When one or more search keys are input and the “Search” button B3 is pressed, a search result display field G8 is displayed. In the search result display field G8, customer information corresponding to the input search key is displayed. Examples of information to be displayed include a reception date, a customer name, a progress status, a store name, a branch person name, a headquarter person name, a rating, and a circulation destination.

  FIG. 6 is a screen showing a state of the status management column G6 when published financial data is registered. In the status management column G6, only the status of the public financial data registration status 21 is displayed as “registered” together with the date of processing, and the other statuses are displayed as “unregistered”.

  FIG. 7 shows a screen when the creation of actual financial data is completed. The statuses of the published financial data registration status 21, breakdown statement registration status 22 and actual financial data creation status 23 are displayed as “registered (or created)” along with the date of processing. “Not yet” is displayed.

  As described above, when the actual financial data is registered, a determination button appears, and the self-assessment extraction code can be automatically determined. FIG. 8 shows the determination result of the self-assessment extraction code. In the self-assessment extraction code determination result field G9, for example, whether it is a large tip, whether it is overdue, whether it is a deficit, whether or not a recurring profit is a deficit, etc. It is determined whether or not each of the various indices (this index is referred to as an extraction code in this specification) corresponds to the index. This self-assessment extraction code is automatically performed by comparing a standard prepared in advance for each index with customer financial data.

  FIG. 9 is a main screen when the determination result of the self-assessment is registered in the company information database 5. The status of the self-assessment extraction code determination status 24 changes to “registered”. In addition, since the determination result of the self-assessment is registered, a determination button newly appears in the item column of the corporate credit rating determination situation 25.

  When the loan officer presses the determination button for the corporate credit rating, the corporate credit rating is automatically determined, and the corporate credit rating result display screen shown in FIG. 10 can be displayed.

  On this corporate credit rating result display screen, a corporate credit rating list G10, a quantitative evaluation column G11, a quantitative / qualitative apportioning column G12, an automatic judgment result column G13, a primary examination column G14 and a secondary examination column G15 are displayed. Is done.

  In the corporate credit rating list G10, the history of corporate credit ratings of the customer is displayed in a list format. By pressing the “select” button B4, it is possible to know details about the corporate credit rating of the desired year.

  The quantitative evaluation column G11 shows the result of quantitative evaluation based on the financial data registered in the company information database 5. In the quantitative evaluation column G11, for example, the evaluation points and quantitative evaluation points of the most recent period, the previous period, and the previous period are digitized and displayed, and the quantitative evaluation rank and the estimated default rate are also displayed. The default rate is the rate at which a company's debt falls into insolvency.

  The quantitative / qualitative apportionment column G12 displays qualitative evaluation points automatically calculated based on the qualitative evaluation input by the loan officer. When the “qualitative evaluation list” button B5 is pressed, for example, the results of qualitative items such as industry characteristics / industry trends, supplier contents, and purchase conditions can be inquired.

  The automatic determination result column G13 quantifies and displays the determination result calculated based on the quantitative evaluation and the qualitative evaluation. By pressing the “Experience Rule Applicable Item List” button B6, it is possible to inquire about the relevant item among the empirical rules registered in advance. When there is no correction in the automatic determination result of the corporate credit rating, the “confirm” button B13 is pressed to confirm.

  The primary examination column G14 displays the result of the primary examination of the corporate credit rating. When correcting the automatic determination result, the correction point is input to the primary examination column G14 and reflected by pressing the “change” button B7. Thereby, the evaluation score of the automatic determination result is corrected. Also, the reason for correction is selected from the change list. In the example shown in the figure, the reason for the change is that “the management improvement plan is being implemented”. Several reasons for the change are prepared in advance, and one of them is selected.

  The secondary examination column G15 displays the modified evaluation score and reason entered by a higher-level person in charge.

  As shown in FIG. 11, when the company credit rating is registered, the status of the company credit rating judgment status 25 changes to “registered”.

  FIG. 12 is a screen for registering the debtor classification. On the obligor classification registration screen, the obligor classification history list G16, the obligor business condition column G17, the primary examination column G18, and the secondary examination column G19 are displayed.

  The debtor classification history list G16 displays a list of debtor classification histories of the customer. By pressing the “select” button B8, the obligor classification history for a predetermined year can be read from the company information database 5 and displayed. If the past history data that has been read out is used and only the changed part is corrected, the input can be performed efficiently.

  The obligor business condition column G17 displays, for example, input comments about the present condition and problems of the obligor, the future outlook of the obligor business condition, and the like.

  The primary examination column G18 and the secondary examination column G19 display the category of the obligor and the reason for selecting the category, respectively.

  As shown in FIG. 13, when the debtor classification is registered in the company information database 5, the status of the debtor classification registration status 26 changes to “registered”.

  FIG. 14 is a screen for registering a loan policy. On the loan policy registration screen, a loan policy history list G20, a debtor business condition column G21, a primary examination column G22, and a secondary examination column G23 are displayed.

  In the loan policy history list G20, the history of the loan policy is displayed, and the past loan policy data can be read from the company information database 5 by selecting with the “select” button B9. The obligor business condition column G21 displays the obligor's business condition, and the primary examination column G22 and the secondary examination column G23, for example, input and display the applicable interest rate, the loan policy rank, and the reasons thereof. As shown in FIG. 15, when the loan policy is registered, the status of the loan policy registration status 27 changes to “registered”.

  FIG. 16 is a screen for drafting a request for loan review. Once the above-mentioned loan policy registration is completed, preparations for drafting a request for approval are made. In the approval document draft column G24, for example, designation of in-store approval or headquarter approval, a loan project name (customer name), the next circulation destination, an overview, and a list of attached materials such as financial statements are displayed. . In this loan screening system, a plurality of materials in various formats can be attached, and the attached material can be browsed immediately by pressing the “reference” button. As shown in FIG. 17, when the approval document is drafted, the status of the workflow draft status 28 changes from “not yet” to “drafted”.

  FIG. 18 is a screen for confirming the approval / denial history of the approval document. In the approval / disapproval history column G25, for example, the date / time of approval / rejection, the name of the drafter, designation of the type of approval (in-store approval or headquarter approval), loan project name, name of the person in charge of circulation (branch manager, etc.) And a list of attachments can be displayed. As the submenu, “approval document” M5 and “attached material” M6 are displayed. On the left side of the screen, an “approval history” button B10 for displaying the approval / disapproval history and an “approval” button B11 for performing approval / disapproval are displayed.

  As detailed above, according to this loan review system, it is possible to display a list of status at each stage of loan review from application for loan to execution of loan. Can be confirmed.

  In addition, the progress of each loan project can be shared between the head office and each branch, and it has a structure that eliminates the arbitraryness of the person in charge and prevents authority violations, etc., so that a clearer loan review is more efficient than ever. It can be carried out.

  In addition, as shown in the registration of obligor category and the primary review column G14, G18 and the secondary review column G15, G19, etc., the reasons for the revision of the evaluation points and the reason for the cautionary judgment must be made in advance. A free comment can be entered in a column for selecting the present status of the debtor in the debtor business status column G17 by selecting from a prepared pull-down menu. In other words, in this loan screening system, in order to clarify the loan screening criteria and avoid blurring, when the importance given to the loan screening is relatively large, one of the reasoning menus prepared in advance is selected, On the other hand, when a more detailed reason is required or when a person in charge determines or freely extracts information, he / she is allowed to input a comment freely. The reasoning and comment menu contents prepared in advance can be changed as appropriate on the server 1 side.

  Next, an example in which the system including the above-described embodiment is embodied using a computer system will be described with reference to FIG.

  The banking business support system shown in FIG. 19 can be roughly divided into a customer management program 100 and a company examination program 200. The customer management program 100 and the company screening program 200 can be executed on the same server, or can be executed on separate servers and linked via a communication network.

  The customer management program 100 manages various information related to customers such as companies and individuals. The company examination program 200 performs credit rating of a company and manages a loan policy and the like. These two types of programs 100 and 200 are configured as separate programs, and the qualitative evaluation processing unit 110 that is a task of the customer management program 100 cannot be executed in the company examination program 200.

  First, the customer management program 100 will be described. The customer management program 100 includes a task called a qualitative evaluation processing unit 110. The qualitative evaluation processing unit 110 quantifies each customer's qualitative corporate credit rating based on a plurality of preset non-financial indicators and non-financial data. For example, multiple non-financial indicators such as industry characteristics, employee and executive qualifications, willingness to work, etc. are prepared in advance, and the customer representative prepares each level for each non-financial indicator. By selecting, a qualitative evaluation value (hereinafter referred to as qualitative evaluation data) can be obtained based on the total score.

  The qualitative evaluation processing unit 110 registers and manages the calculated qualitative evaluation data for each customer in the qualitative information table 130 constructed in the company information database 120 (corresponding to the company information database 5). The qualitative information table 130 includes, for example, customer identification information 131, quantitative evaluation data 132, and update date information 133. The customer identification information 131 is information for distinguishing and specifying each customer from other customers, and corresponds to, for example, a customer name, a customer management code, and the like. The qualitative evaluation data 132 is a qualitative evaluation value quantified based on a plurality of non-financial indicators and non-financial data as described above. The update date information 133 indicates the date and time (year / month / day and time) when the qualitative evaluation data was created. As a premise when the later-described corporate credit rating judgment processing unit 240 performs processing, it is necessary that the qualitative evaluation data be calculated within one month before the corporate credit rating judgment date.

  The qualitative evaluation data calculated by the qualitative evaluation processing unit 110 and registered in the qualitative information table 130 is used by the company credit rating determination processing unit 240, which is another task in another program 200. The financial data registration processing unit 210 and the financial data correction processing unit 220 described later cannot refer to the qualitative evaluation data. Similarly, the qualitative evaluation processing unit 110 cannot refer to the results of data processing performed by the financial data registration processing unit 210 and the financial data correction processing unit 220, which are separate tasks in the company examination program 200. That is, qualitative evaluation and quantitative evaluation are provided in separate programs and separated. Thereby, qualitative evaluation and quantitative evaluation can be performed independently, the influence which both can have on each other is eliminated, and objectivity is ensured.

  The corporate examination program 200 includes a financial data registration processing unit 210, a financial data correction processing unit 220, a self-assessment extraction code (hereinafter referred to as extraction code) determination processing unit 230, a corporate credit rating determination processing unit 240, and a debtor classification. A registration processing unit 250, a loan policy registration processing unit 260, and a progress management processing unit 300 are provided.

  The financial data registration processing unit 210 is a task for registering, for example, published financial data or the like in a predetermined location of the company information database 120. The financial data correction processing unit 220 is, for example, a task for correcting financial data according to the actual condition of the customer. The extraction code determination processing unit 230 is determined for each index for each of various indexes set in advance, such as “Is repayment delayed,” “Ordinary profit is in deficit,” or the like. This is a task for diagnosing management contents and financial contents based on predetermined standards. The corporate credit rating determination processing unit 240 is a task that performs a corporate credit rating of a customer by comprehensively considering qualitative evaluation data and quantitative evaluation data, for example. The obligor category registration processing unit 250 is a task for registering a customer obligor category. The loan policy registration processing unit 260 is a task for registering a loan policy for a customer. It should be noted that the company examination program 200 can appropriately include other tasks other than these tasks 210 to 260.

  The progress management processing unit 300 manages whether the tasks 210 to 260 are progressing in a predetermined order set in advance. The progress management processing unit 300 manages the progress of the tasks 210 to 260 using, for example, the progress management table 310. The progress management table 310 includes, for example, processing order information 311 indicating the processing order of tasks, name information 312 of each task (not necessarily a name, any information that can identify a task), And a status flag 313 indicating whether or not it has been executed.

  The progress management processing unit 300 acquires the processing status from each of the tasks 210 to 260 and reflects it in the status flag 313 of the progress management table 310. Then, the progress management processing unit 300 checks the status flags 313 of the tasks 210 to 260, and permits the execution of the tasks in the order defined by the processing order information 311. In other words, the progress management processing unit 300 manages the execution order of each task, and permits the activation of the subsequent-order task on condition that the previous-order task ends. A task to be processed later is not executed beyond the previous task.

  When the registration of the financial data, the correction of the financial data, and the determination of the extraction code are completed in this order, the corporate credit rating determination processing unit 240 can be activated. At this time, the progress management processing unit 300 refers to the quantitative information table 130 to determine whether qualitative evaluation data has been created within the past month. If the qualitative evaluation data has not been created (updated) within the past month before the corporate credit rating, the progress management processing unit 300 generates a warning 241 without activating the corporate credit rating determination processing unit 240. This is to ensure an accurate corporate credit rating based on the latest information. The warning 241 is performed, for example, by displaying a warning message such as “Please perform qualitative evaluation” on the screen of the terminal. The progress management processing unit 300 refers to the quantitative information table 130, which is exclusively used to determine whether or not the start condition of the company credit rating determination processing unit 240 is satisfied. The results and the results of the quantitative evaluation are separate tasks that are executed in separate programs, and are separated.

  The corporate credit rating determination processing unit 240 performs comprehensive evaluation based on, for example, a quantitative evaluation value obtained from financial data and a qualitative evaluation value obtained from non-financial data. The corporate credit rating determination processing unit 240 performs the corporate credit rating by performing weighting according to a predetermined predetermined proportion such as 70% for the quantitative evaluation value and 30% for the qualitative evaluation value, for example. When the corporate credit rating is completed, the corporate credit rating determination processing unit 240 reports the completion of processing to the progress management processing unit 300 as in other tasks. Upon receiving this completion report, the progress management processing unit 300 changes the status flag 313 of the progress management table 310 from “unprocessed state” to “processed state”. With this status change, the activation condition of the next-ranked obligor classification registration processing unit 250 is established. Similarly, when the debtor classification registration is completed and the status of the debtor classification registration processing unit 250 changes, the activation condition of the loan policy registration processing unit 260 is satisfied.

  The present invention is not limited to the above embodiment. Those skilled in the art can make various modifications such as adding new additions and changes to the configuration of the embodiment.

Explanatory drawing which shows the whole structure of the loan examination system which concerns on embodiment of this invention. Explanatory drawing of the main screen (financial examination progress management screen) of loan examination. The flowchart which shows the flow of loan examination. The flowchart following FIG. Explanatory drawing of a company examination search screen. Explanatory drawing which shows the main screen at the time of registering public financial data. Explanatory drawing of the main screen when the creation of actual financial data is finished. Explanatory drawing of the screen which shows the determination result of a self-assessment extraction code. Explanatory drawing of a main screen when determination of a self-assessment extraction code is completed. Explanatory drawing which shows the determination screen of a corporate credit rating. Explanatory drawing of the main screen when the corporate credit rating is completed. Explanatory drawing which shows the registration screen of a debtor classification. Explanatory drawing of the main screen when registration of obligor classification is completed. Explanatory drawing which shows the registration screen of a loan policy. The main screen explanatory drawing at the time of registering a loan policy. Explanatory drawing which shows the drafting screen of a request for approval. Explanatory drawing of the main screen when drafting a request for approval. Explanatory drawing of the screen which displayed the approval-denial history of the approval document. It is explanatory drawing which concerns on 2nd Example of this invention and shows a function structure in the case of implementing 1st Example with a computer system.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Server 2 User interface part 3 Application execution part 4 Data management part 5 Company information database 6 Other database 10 Terminal 20 User interface of terminal 21 Publication financial data registration situation 22 Breakdown statement registration situation 23 Actual financial data creation situation 24 Self-assessment extraction code Judgment status 25 Corporate credit rating judgment status 26 Debtor category registration status 27 Loan policy registration status 28 Workflow draft status 29 Workflow approval status 100 Customer management program 110 Qualitative evaluation processing unit 120 Corporate information database 130 Qualitative information table 131 Customer identification information 132 Qualitative evaluation data 133 Date of update information 200 Company examination program 210 Financial data registration processing unit 220 Financial data correction processing unit 230 Extracted code determination processing unit 240 Corporate credit With determination processing unit 250 debtors registration processing unit 260 loan policy registration unit 300 progress management unit 310 progress management table 311 processing order information 312 task name information 313 status flag

Claims (8)

A customer information database that centrally manages information related to customers subject to loan review,
A plurality of business processing means for processing each of a series of business required for loan examination using the customer information database;
A loan examination system comprising: processing status management means for displaying a list of processing statuses of the respective business processing means on a user interface.   2. The loan review system according to claim 1, wherein the processing status management means displays a list of processing statuses by the respective business processing means in a processing order in loan screening.   Each of the business processing means performs a predetermined evaluation based on a means for registering data in the customer information database or correcting the registered data, and the data registered in the customer information database and a predetermined evaluation standard. A means for inputting a loan policy based on the evaluation, and a means for issuing an electronic approval document based on the input loan policy, and circulating and accepting the document through a predetermined route. The loan examination system according to 1.   The processing status management means includes the registration or correction status of the data, the status of whether or not the predetermined evaluation has been performed, the status of whether or not the loan policy has been input, and the presence or absence of a draft of the approval document The loan examination system according to claim 3, wherein a list of the circulation status is displayed in a predetermined order.   The loan according to claim 4, wherein the processing status management unit manages the next business so that the next business cannot be processed so that the business processing unit is processed in the predetermined order. Review system.   Furthermore, in addition to the list of processing statuses by the processing status management means, link information display means for simultaneously displaying on the user interface link information to information sources that can be used for customer management analysis is provided. The loan screening system described. A plurality of business processing functions for processing each of a series of operations required for loan screening using a customer information database that centrally manages information related to customers subject to loan screening;
A processing status management function for displaying a list of processing statuses by the respective business processing functions and a user interface in a processing order on loan examination;
A program that realizes on a computer. A first function for accepting input of customer's public financial data and registering it in a customer information database for centrally managing information about the customer;
A second function of accepting corrections to the actual financial data of the customer and reflecting it in the customer database;
A third function for referring to financial data registered in the customer information database, comparing a predetermined standard for each of a plurality of preset indexes, and determining a self-assessment extraction code;
A fourth function for performing a customer credit rating using a discriminant function model based on financial data and non-financial data registered in the customer information database;
A fifth function for receiving an input as to which obligor category the customer corresponds to among a plurality of obligor categories set in advance;
A sixth function that drafts an electronic approval document and circulates it through a predetermined route;
A management function for managing the processing status of the first to sixth functions and displaying a list of the processing status of each function on a user interface;
A program for realizing on a computer.

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