JP2006079493A - System for providing enterprise information about financing - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an enterprise information providing system that can improve the convenience of both a borrower and a lender by facilitating the provision of cash flow data by the borrower and facilitating the provision for the lender of borrower evaluation information before financing and of monitor information after financing. <P>SOLUTION: In the enterprise information providing system, an enterprise information providing server 1, when a user enterprise PC 3 enters accounting information and customer information, evaluates the information and provides the evaluation as an anonymous enterprise (non-name enterprise) to facilitate a financing proposal from a financial institution PC 4; and when the user enterprise officially requests a loan and enters detailed information from the enterprise PC 3, provides the financial institution PC 4 with the enterprise's name, detailed information and evaluation to link the borrower user enterprise and the lender financial institution, and provides the financing financial institution PC 4 with monitor information based on the user enterprise's cash flow after financing. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a company information providing system that provides company information to a financial institution that provides funds, and in particular, evaluates the company from the daily cash flow of the company, provides the evaluation information before providing the fund, The present invention relates to a company information providing system that provides monitor information of a company that has been provided and facilitates funding.

The current situation is that financing for small and medium-sized enterprises is not being actively provided.
The reason for this is that, as a lender's financial institution, when finding a trading company, it takes cost to acquire information on SMEs, and when executing loans, it takes time and effort to acquire and review information on SMEs, and post management This is because additional information cannot be obtained at the time of management, and management is often delayed.

In particular, in order to reduce the examination effort in financing, some financial institutions independently develop credit score models mainly from financial information such as financial statements and make loan decisions based on these models. .
However, since the above model is based on discrete information such as financial statements, it has been difficult to detect powder fraud.

In addition, the borrower's SMEs had a lot of time and labor to prepare documents for loan review. In addition, some small and medium-sized enterprises sometimes make up financial statements to make it easier to receive a loan when applying for a loan, making it difficult to receive a loan based on accurate corporate information.
In addition, borrower SMEs often perform basic accounting operations such as daily book / voucher entry, monthly balance trial calculation, annual settlement, and consumption tax management. In many cases, business plan management, cash flow chart preparation, etc. are not done.

However, as a financial institution, the company wants to provide loans to excellent SMEs, and even SMEs are in a situation that requires funds for active business development.
As a result, excellent companies received loans at low interest rates from financial institutions, and other companies received funding at high interest rates from commercial and industrial loans.

  As an attempt by financial institutions, for example, Japanese Patent Application No. 2002-140519 published on May 17, 2002, “Automated Loan” is a prior art for conducting a loan examination for small and medium enterprises using a computer from the financial statements of small and medium enterprises. “Examination method” (Applicant: Sumitomo Trust and Banking Co., Ltd., Inventor: Toshio Yamazaki, etc.) (refer to Patent Document 1), as a prior art for performing credit rating for SMEs, for example, May 23, 2003 There is a published Japanese Patent Application No. 2003-150766 “Credit Rating Method, Recording Medium, Credit Rating Device and Program” (Applicant: Shinkin Central Bank, Inventor: Kazuyasu Kojima) (see Patent Document 2).

  Further, as a prior art in which a small and medium-sized enterprise is considered to have a receivable balance as a collateral asset, for example, Japanese Patent Application No. 2001-319060 published on November 16, 2001, “Receivable-collateralized loan” "Method and system" (Applicant: Yasuhiko Miura et al., Inventor: Yasuhiko Miura et al.) (Refer to Patent Document 3), which is a prior art that can be repaid with higher accuracy by allocating accounts receivable and paying back the due date For example, Japanese Patent Application No. 2003-99612 published in April 4, 2003, “Loan System for Receivables Provision” (Applicant: Yasuhiko Miura et al., Inventor: Yasuhiko Miura et al.) (See Patent Document 4) .

JP 2002-140519 A JP 2003-150766 A JP 2001-319060 A JP 2003-99612 A

As described above, the prior arts disclosed in Patent Documents 1 and 2 reduce the examination work of the lender, but realize a highly reliable loan examination while reducing labor and time of both the borrower and the lender. Therefore, since it is not a mechanism for easily matching the two, it does not bring benefits to both.
Although it is necessary to improve the examination ability of financial institutions that are lenders, this is not possible without the provision of daily data based on the cash flow from the borrower.

  Moreover, in the prior arts shown in Patent Documents 3 and 4, a system that links small and medium enterprises and financial institutions with respect to trade receivables, this is a loan for trade receivables sold by small and medium enterprises. Therefore, it does not realize the financing of the amount required by SMEs according to the business contents and results of SMEs. There is no need to provide monitor information.

  The present invention has been made in view of the above circumstances, and facilitates the provision of cash flow data from the borrower, and the borrower can easily provide the borrower's evaluation information before providing the funds, and further monitor information after providing the funds. It is an object of the present invention to provide a corporate information providing system that can improve convenience for both a borrower and a lender.

  The present invention for solving the problems of the conventional example described above is based on the input information when the company information providing system receives the company accounting information and the customer information based on the cash flow of the company from the user company. Provide financial support information to the user company, and if the user company does not wish to provide funds to the funding source, evaluate based on at least the entered information without disclosing the company name of the user company A company information providing server that provides information and, if the user company wishes to provide funds, publishes the company name of the user company and provides at least evaluation information and detailed information for funding, is provided. .

  In the enterprise information providing system, the enterprise information providing server aggregates input information for each specific business partner company when the specific business partner information is input from a plurality of use enterprises, and the general enterprise or the investment It is characterized by providing aggregated customer information to a house.

  In the company information providing system, the company information providing server provides at least evaluation information, location, business type, and organization type information to the fund providing source when the user company does not wish to provide funds. It is characterized by providing.

  The present invention provides the above-described company information providing system, in which the company information providing server provides at least evaluation information, location, business type, organization form, and loan request to the funding source when the user company wants to provide funds. It is characterized by providing information on the amount, desired interest rate for loans, capital, sales, and the company name of the user.

  In the company information providing system, when company accounting information and business partner information based on a company's cash flow are input from a user company, financial support information is provided to the user company based on the input information. In addition, if the user company does not wish to provide funds to the funding source, it provides evaluation information based on at least the entered information without disclosing the company name of the user company, and the user company provides funds. If desired, announce the company name of the user company and provide at least evaluation information and detailed information for funding. If funding is provided to the user company, the funding provider that provided the funding And a company information providing server for providing monitor information based on the cash flow of the user company.

  The present invention provides the above-described corporate information providing system, in which the corporate information providing server registers the funding conditions for each funding source in advance, and when the user company wishes to provide funds, the funding that matches the conditions is provided. It is characterized by notifying the former that there was a request for funding from the user company.

  According to the present invention, in the above-described enterprise information providing system, the enterprise information providing server blurs the business plan including the future cash flow of the user company based on the business plan including the past cash flow of the user company and the past results. In addition, it is characterized in that the credit score is calculated by determining the bankruptcy probability of the user company from the possibility that the cash becomes negative in the portion of the blur.

  According to the present invention, when company accounting information and customer information based on the company's cash flow are input from the user company, financial support information is provided to the user company based on the input information, If the user company does not wish to provide funds to the funding source, it will provide the evaluation information based on at least the entered information without disclosing the company name of the user company, and the user company may wish to provide funds. For example, since the company information providing system has a company information providing server that publishes the company name of the user company and provides at least evaluation information and detailed information for providing funds, the user company can obtain financial operation support information and fund The provider can obtain the evaluation information for which the company name is not disclosed for the user companies that do not wish to provide funds, and the funding approach becomes possible. The company name is announced for the company, and it is possible to determine the availability of funding by obtaining the evaluation information and detailed information on funding, so it is possible to reduce the labor of both the company and the funding source for funding and to easily link the two. There is an effect that can be made.

  According to the present invention, when specific business partner information is input from a plurality of using companies, the corporate information providing server aggregates the input information for each specific business partner company and aggregates it for general companies or investors. Since the above-described company information providing system that provides the supplier information is provided, there is an effect that the supplier information that changes based on the cash flow can be easily provided.

  According to the present invention, the company information providing server provides at least evaluation information, location, type of business, and organization type information to the fund providing source when the user company does not wish to provide funds. Since the provision system is used, the company name of the user company that does not wish to provide funds is hidden, and evaluation information and the like are provided, so that there is an effect that it is easy to receive a voluntary offer of funding from the funding source.

  According to the present invention, when the company information providing server wishes to provide funds, the company information providing server provides at least evaluation information, location, business type, organization form, desired loan amount, desired loan interest rate to the fund providing source. The above-mentioned company information providing system that provides information on the capital, sales, and company name of the company that uses it is provided, so that the company name of the user company that wants to provide funds is disclosed to provide evaluation information and detailed information. Originally, there is an effect that it is possible to easily determine whether or not funding is possible.

  According to the present invention, when the company information providing server has previously registered funding conditions for each funding source, and the user company wishes to provide funds, the company providing the funding source that matches the conditions from the user company. Since the above-mentioned company information providing system that notifies that there is a request for funding is provided, there is an effect that it is possible for the funding source to easily know the user company that matches the funding conditions.

  According to the present invention, when company accounting information and customer information based on the company's cash flow are input from the user company, financial support information is provided to the user company based on the input information, If the user company does not wish to provide funds to the funding source, it will provide the evaluation information based on at least the entered information without disclosing the company name of the user company, and the user company may wish to provide funds. For example, the company name of the user company is disclosed and at least the evaluation information and detailed information for funding are provided, and if funding is provided to the user company, the funding source that provided the funding Since the company information providing system has a company information providing server that provides monitor information based on the cash flow of the user company, the user company can obtain financial operation support information and The provider obtains evaluation information in which the company name is not disclosed for the user company that does not wish to provide funds, and it is possible to approach funding, and the company name is disclosed for the user company that wants to provide funds, and the evaluation information and detailed information on funding Therefore, it is possible to reduce the labor of both the user company and the funding provider for funding and to facilitate the connection between the two, and after the funding, the funding source can monitor based on cash flow. Since information can be obtained, there is an effect that the fund provider can provide funds with peace of mind.

  According to the present invention, the company information providing server adds a blur to the business plan including the future cash flow of the user company based on the business plan including the past cash flow of the user company and the past results. Since the above company information providing system calculates the credit score by calculating the probability of bankruptcy of the user company from the possibility that the cash will be negative in this part, the user company can be easily evaluated with the evaluation information of the credit score. Effective for credit management for business partners.

Embodiments of the present invention will be described with reference to the drawings.
The present invention is a company information providing system for linking a borrower company and a lender financial institution, and the accounting information is input from a borrower candidate company, and the company information providing server is based on the accounting information. Evaluate and provide the evaluation as a non-named company (non-named company) to facilitate loan proposals from financial institutions, and the borrower company officially announces the loan and enters detailed information, It provides the name, detailed information and evaluation of the company to the financial institution, obtains an answer to the loan from the financial institution, and links the borrower's demand with the lender's supply.

  In addition, the present invention provides monitoring information based on the cash flow after financing of the company that received the loan to the financial institution that provided the loan in the company information providing system, thereby facilitating monitoring of the loan destination company. Is.

  Furthermore, since the present invention is a company information providing system that provides daily information on the company and the business of the business partner based on the accounting information of the participating companies, the trends in companies in a wide range of fields can be seen as financial institutions and other Can know.

  In the corporate information providing system according to the embodiment of the present invention, a description will be mainly given of what realizes funding for a user company in the form of financing. However, the present invention is applicable even when the funding method is loan, corporate bond issuance, etc. It can be done.

Next, a company information providing system according to an embodiment of the present invention will be described with reference to FIG. FIG. 1 is a configuration block diagram of a company information providing system according to an embodiment of the present invention.
As shown in FIG. 1, a company information providing system (this system) according to an embodiment of the present invention includes a company information providing server 1, a company information database (company information DB), and a user company computer (company PC). 3, a financial institution computer (financial institution PC) 4, and a general company or investor computer (general company PC) 5.

  Here, the company information DB 1 is connected to the company information server 1, and the company information providing server 1, the company PC 3, the financial institution PC 4, and the general company PC 5 are connected via the Internet. In FIG. 1, only two company PCs 3 and financial institution PCs 4 are shown, and only one general company PC 5 is shown. Actually, many company PCs, financial institution PCs and general company PCs are connected to the network. It is.

Each part of this system will be specifically described.
The company information server 1 receives accounting information from the company PC 3 of the user company (including not only corporations but also individual business owners), and provides account support, cash flow management, business partner management, business as business support for the user companies. Providing services such as plan management and loan application, providing non-name company group information and name disclosure request company group information as pre-lending company information to financial institutions scheduled for lending, and companies after lending to financial institutions after lending Provide loan company monitor information as information, and provide user company information and customer company information as daily company information for general companies or investors.
The contents and information processing of the information provided by the company information providing server 1 will be described later.

The company information providing server 1 includes an evaluation logic engine that evaluates the state of a user company with respect to accounting information such as company accounting information and customer company information input from the company PC 3. Information evaluated by the evaluation logic engine is provided as information for financial institutions, general companies, or investors. This evaluation information may be fed back to the company PC 3 of the user company.
The evaluation logic engine is a function realized by software processing. Detailed contents will be described later.

In addition, when the company information providing server 1 accepts a voluntary loan offer from a financial institution for non-name company information that does not currently wish for financing and does not disclose the company name, the corresponding non-name company (use company) The company PC3 is notified of the voluntary loan offer and encourages financing.
Furthermore, the company information providing server 1 has the loan conditions registered from the financial institution that is scheduled to be loaned, and in order to facilitate the voluntary loan offer for the non-name company group information, information on the non-name companies that meet the loan conditions is provided. Provide to financial institution PC4.
The company information providing server 1 performs matching of loans with financial institutions for non-name company users.

In addition, the company information providing server 1 has a loan condition registered from a financial institution to be financed, and when a user company applies for a loan, it collates with the loan condition of each financial institution, Notify by e-mail that there was a loan application. This notification may be a notification by facsimile, or may be posted in a list format on a dedicated page for each financial institution on the web.
Further, when the financial institution does not register the loan conditions, it is also possible to search for a loan destination by inputting various conditions on the WEB screen provided by the company information providing server 1.

Then, the company information providing server 1 collects information from the financial institution that permits the loan for the response to the loan application e-mail for the financial institution, or searches and applies for the loan permission, and provides the loan amount to the user company that desires the loan. Information such as repayment period, repayment conditions, funding source, etc. is transmitted.
Details of the loan application notification mail and the response process will be described later.

  Further, the company information providing server 1 asks the financial institution that has provided the loan to register in advance the conditions of cash fluctuation for the loan destination company, monitors the monitor information of the loan destination, and if that condition is met, the loan source financial institution Notify PC4. As a result, the financial institution PC4 only needs to check when there is a change in the cash flow regarding the monitor information, and can monitor efficiently.

Note that, as monitor information for a financial institution, a credit score or cash flow evaluation described later may be displayed in a graph for a specific period. In this graph display, if the average value or median value by scale (sales, capital, number of employees, etc.), industry, and region is drawn as a benchmark, the situation of the borrower can be recognized more.
This graph display can also be applied to a name disclosure requesting company that desires financing and a non-name company that does not desire financing at this time.

  The graph display of the credit score or cash flow evaluation can know the bankruptcy situation or the future demand for funds. The loan amount desired by the name disclosure requesting company is an explicit demand for funds, and the future funding demand based on the graph of cash flow evaluation of non-named companies is a potential funding demand.

  The company information database (company information DB) 2 is a database for storing company information input by the user company, and in particular, company information such as the company name, address, and capital of the user company (including accounting information of the user company). In addition, information on the business partner of the user company, information on financial institutions, and loan conditions at each financial institution are stored.

The company PC 3 is a computer installed in the user company, and receives accounting data by inputting accounting information to the company information providing server 1.
Further, the evaluation, score and the like by the evaluation engine of the company information providing server 1 are fed back to the company PC 3, and further improvement items such as evaluation are notified. Thereby, a user company can improve evaluation etc. by performing an improvement matter.

In addition, the company PC 3 presents, from the company information providing server 1 as a commitment line, a loan amount and an interest rate estimate for the short-term (1 to 3 months) working capital of the user company based on the score and cash flow. Therefore, it is possible to recognize the financing ability of the user company.
If the loan exceeds the commitment line, a simulation is provided by the company information providing server 1 and a condition such as an interest rate may be output when a borrowing amount is input.
Further, when the company PC 3 transmits a loan request (loan application) to the company information providing server 1, the company PC 3 receives a reply from the financial institution from the company information providing server 1.

The financial institution PC4 is a computer installed in the financial period, and can browse non-name company group information and name public company group information before the loan.
Here, the non-name company group information is information indicating a management situation including an evaluation (credit score) based on a company's cash flow without publishing the company name for a user company that has not requested a loan. By viewing non-name company group information, financial institutions can use their own financing approach for companies that do not wish to finance.

  In addition, the name public company group information refers to the company that made the loan request, publicized the company name, desired loan details, evaluation based on the company's cash flow (credit score), and detailed management information It is information which shows. A financial institution obtains name public company group information, so that it becomes possible to conduct an examination based on properly evaluated information of the borrower, and the labor and time of the examination can be reduced.

  Further, the financial institution PC 4 receives information on loan candidate using companies and the contents of the loan request offer from the company information providing server 1 based on the loan conditions of each financial institution registered in advance in the company information providing server 1. By responding to this loan request offer, it becomes possible to realize a loan with a user company.

  Further, the financial institution PC 4 receives information on the non-name company from the company information providing server 1 based on the financing conditions of each financial institution registered in advance in the company information providing server 1. As a result, the financial institution PC4 can make a voluntary loan offer.

  In addition, the financial institution PC4 displays a credit score or cash flow evaluation for a name disclosure requesting company in a graph for a specific period. In this case, if the average value or median value of sales, capital, number of employees, etc. by scale, industry, or region is plotted as a benchmark, it is easy to grasp the contents.

  In addition, the financial institution PC4 is configured to display a credit score or cash flow evaluation as monitor information for a loan destination in a graph for a specific period. In this case as well, the contents can be easily grasped by plotting the average values for sales, capital, number of employees, etc. by scale, industry, and region as a benchmark.

The general company PC 5 is a computer installed in an office of a general company or an investor or the like that collects company information, and browses use company information and customer company information from the company information providing server 1.
The company PC 3, the financial institution PC 4, and the general company PC 5 are assumed to be a desktop type or a node type, but may be a portable terminal such as a PDA (Personal Digital Assistance) or a cellular phone.

Next, a specific configuration of the company information providing server 1 will be described with reference to FIG. FIG. 2 is a block diagram showing a configuration of the company information providing server 1.
As shown in FIG. 2, the company information providing server 1 basically includes a control unit 11, a main memory 12, a storage unit 13, and an input / output interface unit 14.

Each unit of the company information providing server 1 will be specifically described.
The control unit 11 provides accounting support, cash flow management, business partner management, business plan management, service provision processing such as loan application, and non-name as non-named company information before financing for a financial institution to be financed. Company group information, name disclosure request Company group information provision processing, loaned company monitor information provision processing as post-lending company information for borrowed financial institutions, daily enterprise information for general companies or investors Provide information and supplier information.

In order to realize the above processing, the control unit 11 reads a program for processing from the program storage unit 13a of the storage unit 13, develops it in the main memory 12, and enables the program to operate.
In addition, the control unit 11 stores data input to the input / output interface unit 14 via the Internet in the company information DB 2 and also stores it in the data storage unit 13b of the storage unit 13 for use in the program operation.
Furthermore, the control part 11 performs the evaluation process by an evaluation logic engine by a program process, and provides it to a financial institution, a general company, or an investor.
Note that a program for causing a computer for financial institutions, general companies, or investors to perform evaluation processing or the like may be downloaded, and calculation such as evaluation processing may be performed by the computer.

The main memory 12 is a primary storage memory in which a program for processing is read from the program storage unit 13a and expanded.
The storage unit 13 includes a hard disk (HDD) and includes a program storage unit 13a that stores a program and a data storage unit 13b that stores data.
The input / output interface unit 14 is an interface for connecting the company information providing server 1 to a network, and performs input / output of data and the like.

  The company information providing server 1 is connected to an input unit such as a mouse and a keyboard for inputting instructions and the like, a display unit for displaying information, and a printing apparatus for printing information. Also good.

Next, functions realized by the company information providing server 1 in this system will be described with reference to FIG. FIG. 3 is an explanatory diagram of a schematic function realized by the company information providing server 1.
As shown in FIG. 3, the company information providing server 1 receives company account information and customer company information from the company PC 3 of the user company via the Internet, and the control unit 11 stores the information in the company information DB 2.
Specific information input from the company PC3 of the user company is input as basic accounting data (basic attribute information), such as company attribute data such as the company's industry, company history, address, shareholders, officers, etc. Accounting data (accounting financial information) such as tax returns and simplified accounting information is entered annually. As accounting financial information, BS (balance sheet), PL (income statement), etc. may be inputted every period.

As cash flow data, deposit / withdrawal record data, which is transaction data for cash and deposits (you can enter all public charges, salary, individual business partners, etc.), is entered daily, and the deposit / withdrawal schedule (buy / sell) Deposits and withdrawals data (such as bills, bills, etc.) are entered daily.
The cash flow data is preferably input daily but may be weekly or monthly. By this input, it is possible to grasp the cash flow status of the user company and the client company during the period.

Further, supplier attribute information is input as supplier data each time it is registered and maintained.
Also, as business plan data, plan data that is a plan value at the large item level of the income statement is input annually (preferably quarterly), and actual data of the income statement is input annually (preferably quarterly).

  The company information DB 2 stores the above four types of data for each company. Then, the control unit 11 aggregates and analyzes the data of the company information DB 2 for each region, business type, company history, and scale, and creates a benchmark.

  The control unit 11 of the company information providing server 1 provides support (basic accounting support processing) such as tabulation of basic accounting operations to the user company based on the input data. In addition to this, a BS (balance sheet) summary for the past three years and a PL (Profit and Loss Statement) summary for the past three years may be provided as options to the user company.

In addition, the control unit 11 performs cash flow management processing for the user company.
Cash flow management calculates cash-in and cash-out. Further, the control unit 11 calculates the stability and growth potential of the cash flow from the cash-in / out time-series analysis of the user company and provides it to the financial institution as an evaluation of the cash flow. The cash flow evaluation may be fed back to the user company.
In the cash flow evaluation, the reliability in a specific% (for example, 95%) becomes the cash flow evaluation based on the planned comparison, the number of site days, the increase / decrease, and the procurement capability.
The control unit 11 may also feed back a credit score, which will be described later, to the user company.

In addition, the control unit 11 roughly presents the loan amount and interest rate required for short-term working funds from the credit score and cash flow evaluation as a commitment line, so that the user company can know its own fund raising ability. it can.
If a borrowing beyond the commitment line is desired, the control unit 11 may provide a simulation in which the borrowing amount is input to the company PC3 of the user company and a condition such as an interest rate is output. The simulation outputs a calculation result from various data on the financial situation of the user company.

Moreover, the control part 11 performs a supplier management process with respect to a user company.
The supplier management process is a daily management of the status of deposits and withdrawals with respect to the business partner of the user company, and reports the situation to the user company.
In addition to this, the control unit 11 comprehensively evaluates the distribution degree, creditworthiness, replacement degree, increase / decrease, etc. of the business partners and provides them to the financial institution. In addition, you may feed back a comprehensive evaluation of a supplier to a user company.

The control unit 11 performs a business plan management process for the user company.
The business plan management process is to provide the user company with reports on the degree of achievement, progress, fund demand forecast, etc. for the numerical values etc. inputted by the user company based on the business plan.
In addition, the control unit 11 provides management evaluation as a comprehensive evaluation based on management evaluation information and management system information to a financial institution or the like. The management evaluation may be fed back to the user company.
Here, the management evaluation information is information obtained by analyzing the difference between the business plan input from the company PC3 of the user company and the actual result. The management system information is information obtained by analyzing the input frequency and correction frequency of each information from the company PC 3.

  In addition, if there is a loan application from the user company, the control unit 11 prompts the user to fill in necessary items, and the accounting information is created using the data accumulated in the company information DB 2 so far, and information such as evaluation is added. Provide to financial institutions that provide funds.

  The control unit 11 of the company information providing server 1 provides the company information before the loan to the loan-scheduled financial institution. The company information to be provided includes non-name company group information and name disclosure request company group information.

Non-name company group information refers to information related to “financial candidate companies” whose company names are not disclosed for users that have not made a loan request (loan application) but are prepared to accept loans depending on the conditions. For example, information (basic attribute information) such as location (region), type of business, scale (capital, last year sales, establishment date, etc.), credit score, etc. in a list is a financial institution before financing (financial institution PC) Is provided.
Further, as non-name company group information, a credit score or cash flow evaluation of companies in the group is displayed in a graph in a time series for a certain period. In this graph display, the average value or median value for each scale, type of industry, and region is drawn as a benchmark. A graph such as the credit score of the company can be recognized in comparison with the benchmark.

The pre-financing financial institution refers to the non-name company group information or notifies the company information providing server 1 to apply for a voluntary loan offer to the company information providing server 1 if there is a company that wants to lend, and returns a response from the company. The financial institution decides whether or not to lend.
The credit score is a numerical value of the probability of bankruptcy within a specific period, and is determined in consideration of business growth, business stability, demand for funds, and the like. Details of the credit score will be described later.

The name disclosure request company group information is information related to the "loan request company" that made the loan request and published the company name. For example, information provided by the loan candidate company (non-name company group information) In addition, desired loan amount, desired interest rate (annual interest rate%), desired loan date, and information for identifying a company are provided in a list to the pre-finance financial institution (financial institution PC).
When organized, the information provided to the financial institution PC4 includes basic attribute information such as region, industry, scale, and credit score, accounting financial information such as BS and PL, daily information such as cash flow, and desired loan amount. It becomes loan related information.
Further, as the name disclosure request company group information, the credit score or cash flow evaluation of the companies in the group is displayed as a graph in a time series for a certain period. In this case as well, the average value or median value for each scale, industry, and region is plotted on the graph as a benchmark.

The pre-financial financial institution registers loan conditions in advance in the company information providing server 1, and the company information providing server 1 selects a loan requesting company that matches the loan conditions registered for each financial institution and selects each financial institution. It is more efficient to select a loan destination by notifying the PC 4 by e-mail and providing the list information by the financial institution PC 4 accessing a URL (Uniform Resource Locator) of the e-mail.
The financial institution refers to the name disclosure request company group information, determines whether or not the loan is possible, and transmits a response from the financial institution PC 4 to the company information providing server 1.
The company information providing server 1 that has received the response collects the responses from the respective financial institutions PC4 and notifies the user company PC3 that has requested the loan. In order to facilitate the compilation, a reply deadline is set for the reply to the e-mail from the corporate information providing server 1 to the financial institution PC4, and the contents of the reply are used together when the reply deadline ends. It is preferable to notify the company PC 3.

The control unit 11 provides post-financing company information to the post-financing financial institution. The provided company information is loan destination company monitor information.
The loan monitor information is information that can be browsed only by the financial institution that provided the loan, and provides information on the repayment status and cash flow based on the cash flow.
As this monitor information, a credit score or cash flow evaluation may be displayed as a graph in a specific period. In the graph, the average value or median value for each scale, type of industry, and region is drawn as a benchmark, thereby facilitating the grasp of monitor information.
Also, if the financial institution has set monitoring conditions in advance, the monitor information may be notified to the corresponding financial institution PC 4 by the control unit 11 of the company information providing server 1 if the conditions are met. Good.
The graph display may be applied to the display related to the name publication request company.

Moreover, the control part 11 provides daily company information toward a general company or an investor. The daily company information provided includes user company information and customer company information. With this information, the real-time financial status based on the company's cash flow can be known, which can be used for securities transactions.
The user company information is information based on self-accounting information input by the user company, and the client company information is information based on client company information input as a customer of the user company. In other words, for the supplier company information, an ID (identifier) is assigned to the supplier company, the supplier company is managed by the company information DB 2, and information on the company having the ID as the supplier is input from a plurality of use companies. By combining these pieces of information, business partner information is formed.
In providing daily company information, it is necessary to obtain the consent of the user company and the trading company.

  Next, a cash flow screen displayed on the display screen of the user company PC 3 and input by the user company will be described with reference to FIGS. 4 is an overall schematic diagram of a cash flow schedule screen displayed for a user company, FIG. 5 is a schematic diagram of the operating revenue section on the cash flow schedule screen, and FIG. 6 is a business schedule screen on the cash flow schedule screen. FIG. 7 is a schematic view of the expenditure section, and FIG. 7 is a schematic view of the balance section on the cash flow chart screen.

As shown in FIG. 4, on the cash flow chart screen, the company name or name, location, and cash flow contents are displayed as a business revenue department, a business expenditure department, and a cash balance department for one year of the company year.
In addition, although the business revenue part, the business expenditure part, and the balance part of the cash flow table are integrated, the entire part cannot be accommodated in the drawing, so each part will be described with reference to FIGS.

  In the cash flow chart, a fixed amount or a planned amount of each item is entered for each month for one year of the company year, and these are tabulated. If the amount is fixed, “confirm” is entered in the column below the month, and “plan” is entered in the column below the month if the amount is the planned amount. The “confirmed” and “scheduled” settings may be automatically “confirmed” after the month has elapsed, using the clock function of the computer.

As shown in FIG. 5, the operating revenue section inputs cash, bills and other sales, transfer, bills and other accounts receivable, and other operating revenues with final and planned values. However, the total part is automatically calculated.
As shown in Figure 6, the operating expenditure department has confirmed and planned figures for cash, bills and other purchases, transfers, bills and other accounts payable, personnel expenses, various expenses, and other expenditures. Entered. However, the total part is automatically calculated.

As shown in Figure 7, the income and expenditure department inputs numerical values for non-recurring income and non-recurring expenses for items such as current account surplus / shortage, previous month cash carry forward, non-recurring revenue, non-recurring expenditure, and next month cash carry-over. Then, the current account surplus or deficit is calculated from the operating revenue total (1) and the operating expenditure total (2) (current surplus or deficit = operating revenue total (1)-total operating expenditure (2)). The amount of is automatically set from the amount of the “next month deposit savings carryover” of the previous month. Next month cash carry forward is calculated from current account surplus, current account carry forward, non-recurring income, and non-recurring expenditure (next month cash carry over = current account surplus + previous month cash carry over + recurring revenue-current Outside spending).
In FIG. 7, a shortage of funds of 1,700,000 yen is scheduled to occur in January due to “carrying over cash the following month”.

  Since the cash flow chart is integrated as a whole, (A4) to (A3) in the lower column of FIG. 5 are connected to (A3) to (A4) in the upper column of FIG. (B4) to (B3) in the lower column are connected to (B3) to (B4) in the upper column of FIG. However, in FIG. 6 and FIG. 7, the item “month” is shown in the upper column, but this is for easy understanding of the description, so when combined as an integral table, FIG. Since there is only one item in the upper column, the “month” item in FIGS. 6 and 7 is not necessary.

Next, an example of a specific display screen for displaying loan candidate company information as non-name company group information for a financial institution will be described with reference to FIG. FIG. 8 is a schematic diagram of a loan candidate company list screen.
The loan candidate company list screen shown in FIG. 8 is displayed and output by the company information providing server 1 when accessed from the financial institution PC4. The search items at the top of the screen are narrowed down to display and output the target loan candidate company list. It has become.

  The search items in FIG. 8 are “region selection” narrowed down by country or specific area (Kanto, Kansai, Kyushu, etc.), “prefecture selection” narrowed down by specific prefecture, “industry classification name” filtered by industry, stock There are “organizations” narrowed down by company, limited company, and personal business, and “credit scores” narrowed down by credit score or increase / decrease.

  The list of candidate companies for loan includes the ID, credit score, score increase / decrease, lack of funding forecast, loan execution history, location, industry, organization, capital, last year sales, establishment year A list of months and days is displayed. Since these pieces of information are non-name company group information, the company name is not disclosed.

Next, a specific display screen example for displaying the loan execution company information as non-name company group information for the financial institution will be described with reference to FIG. FIG. 9 is a schematic diagram of a loan executing company list screen.
The loan execution company list screen shown in FIG. 9 is displayed and output by the company information providing server 1 when accessed from the financial institution PC4. The search items at the top of the screen are narrowed down to display and output the target loan execution company list. It has become.

The search items in FIG. 9 can narrow down the executed loans by “loan amount” and “loan interest rate” in addition to the search items in FIG.
In addition, the contents of the loan execution company list are a list of ID, credit score, loan amount, interest rate, loan execution date, repayment date, current balance, location, and type of business for the corresponding company. Since these pieces of information are non-name company group information, the company name is not disclosed.

Next, a specific display screen example for displaying the company information of the loan request for the financial institution will be described with reference to FIG. FIG. 10 is a schematic diagram of a loan request company search result list screen.
The loan request company search result list screen shown in FIG. 10 is displayed and output by the company information providing server 1 when accessed from the financial institution PC4. The search items at the top of the screen are narrowed down to display the target loan executing company list. It is supposed to let you.

  As an access trigger from the financial institution PC4, the company information providing server 1 notifies the financial institution PC4 that there is a loan candidate company that matches the conditions registered by the financial institution, and the URL of the mail When accessing, for example, when a user ID and a password are requested and entered and authenticated as a regular user (regular financial institution), the screen of FIG. 10 may be displayed and output on the financial institution PC4. .

The search items in FIG. 10 are “loan amount” in the search item of FIG. 9 and “loan interest amount”, “loan interest rate” means the interest rate for loan, and search for “capital” instead of “credit score”. It is possible to narrow down by item.
In addition, the contents of the list of loan-executing companies include the ID, serial number, location, credit score, desired loan amount, desired interest rate, desired loan date, organization, industry, capital, and sales for the previous year. A list is displayed. Since these pieces of information are name disclosure request company group information, the company name is disclosed. In FIG. 10, the company name is not displayed, but when a specific company is selected from the list, the screen is switched to a screen on which the company name is displayed.

Next, a credit score calculation process in the control unit 11 of the company information providing server 1 will be described with reference to FIG. FIG. 11 is a flowchart showing credit score calculation processing.
As shown in FIG. 11, the control unit 11 inputs basic accounting data (S1), inputs cash flow data (S2), inputs business partner data (S3), and inputs business plan data (S4). ).
Based on the input data, the control unit 11 calculates and outputs a supplier evaluation (S5), calculates and outputs a cash flow evaluation (S6), and performs management evaluation. Is calculated and output (S7), a credit score is calculated (S8), and the process is terminated.

The details of the supplier evaluation, cash flow evaluation, management evaluation, credit score, and calculation method will be described in detail.
First, supplier evaluation will be described.
The input (acquisition) data for calculating the supplier evaluation is the credit score (automatic system acquisition) of the supplier company, or if the credit score of the supplier company is not accumulated in the company information DB 2 Register the sales, recurring profit, final profit, company history, etc. of the company, and collect the accounts payable data for each company based on the company information entered by the user company.
Here, it is assumed that trade account data for each supplier company is input from the user company PC 3 as daily data.
When there is no input as daily data, evaluation by scoring based on BS and PL may be used as supplier evaluation.

The supplier evaluation is output with a score of xx / 100, with the probability of going bankrupt within a specific period being 100 points less than 1%.
For example, in a restaurant business that has been in business for 3 years or more and sales of 100 million or more, the evaluation of company A as a business partner is output as 55/100 points.
The score is scored with a probability of bankruptcy within a certain period (for example, defined as “interest payment is delayed for one month or more”) being less than 1% as 100 points. The certain period may be one year or half a year, or may be a matrix display for each period. However, the advantage of the supplier evaluation score is that it is possible to evaluate the period at several months during the period, while the conventional company evaluation was effective only for a relatively medium- to long-term period such as one year. There is a place to do.

The supplier evaluation calculation logic will be described.
Based on the input data, the evaluation information of each customer is quoted from the credit score of this system, and the credit score of the entire customer is calculated by the weighted average of the transaction amount of the customer and the credit score of the customer.

  Specifically, based on the input data, the average supplier index (weighted average of transaction amount and supplier credit score), the number of suppliers, the transaction amount per company, and the dependence on transactions of the top several companies (for example, the top five companies) Samples (models) with bankruptcy probability data for listed companies, etc., by analyzing the relative position of individual companies, summarizing the degree of change and the degree of change, and their time series changes by category such as each industry and size By combining the scales, the stability of each individual company with respect to the client company is indexed.

Next, cash flow evaluation will be described.
The input (acquisition) data for calculating the cash flow evaluation is obtained by the user company inputting the payment / withdrawal data centered on trade accounts and the daily schedule and results.
Specifically, the data is specified by a cash balance table and a cash flow table.
The cash balance table (part of the cash flow table) is a table in which the balances of past cash and cash equivalents (MMF, etc.) of the user company are entered.
The cash flow table (part of the cash flow table) is used by the user company to enter a plan for future cash flow, and to enter the results as time passes.

For future cash flows, it is desirable that the realization probability is input to the user company for each cash flow.
Further, it is desirable that each business partner is associated with the future cash flow.
The actual cash flow is input when the actual cash flow is realized.

The cash flow evaluation is output with a score of XX / 100, with the probability of going bankrupt within a specific period as 100 points less than 1%.
For example, in a restaurant business that has been in business for more than 3 years and has sales of 100 million or more, the cash flow evaluation of Company B is output as 30/100 points.
The score is scored with a probability of bankruptcy (for example, defined as “interest payment delayed by one month or more”) within a certain period of 100%, which is less than 1%. The certain period may be one year or half a year, or may be a matrix display for each period. However, the feature of this score is that it is possible to evaluate the period at several months during the period, whereas the conventional company evaluation was effective only for a relatively long period such as one year. is there.

The cash flow evaluation calculation logic will be described.
Based on the input data, the cash balance is calculated based on the time series analysis value of plan feasibility, the time series analysis value of cash flow, and the time series analysis value of the average customer index (the weighted average of transaction amount and customer credit score). Analyze and index the probability of bankruptcy.

Next, management evaluation will be described.
Input (acquisition) data for calculating the management evaluation is a management plan value and a management performance value. Specifically, for these values, in principle, sales, operating profit, and ordinary profit are entered as planned and actual values. If possible, the operating company (or individual business owner) inputs the total assets, liabilities (including short-term and long-term borrowings), and capital.
The above-mentioned management plan value and management performance value are input every quarter in principle. The numerical value is input as a numerical value for the entire company, but input for each business will be considered in the future.

The output data of management evaluation is quantified as a management score.
For example, in a restaurant business that has been in business for more than 3 years and has sales of 100 million or more, the management evaluation of company C is output as 65/100 points.
In the above example, 100 points is defined as the deviation between the planned value and the actual value within ± 1% in the quarterly data for the past three years, and the benchmark that averages the deviation for each classification is 50 points. And position each company as an index.
In the above example, assuming that the average of “deviation” in the category is ± 30%, the “deviation” of the company C is actually about 10 to 20% (due to variations in each category).

The management evaluation calculation logic will be described.
The difference between the planned value and the actual value depends on the type of business company, region, type of company (corporate type such as corporation, limited company, individual business owner), age (founding XX year), and company size (sales / profit). Create a database and create benchmarks according to various aspects.
In view of the above benchmark and current economic information for each industry, the level of relative deviation between individual company plans and performance is quantified.
Of course, a company whose plan and performance are stable as time series data has a high management evaluation value. Further, in the detailed analysis process, if a large change is planned and the results are suitable, the management score may be positively evaluated.

As for the accuracy of input data, if there is a request from a financial institution, a balance certificate equivalent to cash can be confirmed by mail or FAX as actual data from a company.
Moreover, you may make it provide the logic of the powder decoration check of input data (when a cash flow has caused a fault suddenly) from the control part 11. FIG.

Next, the credit score will be described.
The credit score is scored using the probability that the user company goes bankrupt within a specific period (for example, three months).
Credit score input (acquisition) data uses the above-mentioned supplier evaluation, cash flow evaluation, and management evaluation.
Credit score output data is scored with a probability of bankruptcy within a specific period of less than 1% being 100 points.
For example, in a restaurant business that has been in business for more than 3 years and has sales of 100 million or more, the credit score of company D is output as 78/100 points.
The score is scored with a probability of bankruptcy (for example, defined as “interest payment delayed by one month or more”) within a certain period of 100%, which is less than 1%. The certain period may be one year or half a year, or may be a matrix display for each period. However, the feature of the credit score is that the conventional company evaluation can only be effective for a relatively medium- to long-term period such as one year, while the period evaluation at the several months level is possible. is there.

The credit score calculation logic will be described.
Correct future cash flows using supplier valuation. For example, if the bankruptcy probability is a 10% cash flow of a business partner, the planned cash flow is corrected to be discounted by 10%. Including the uncertainty of the future cash flow of the user company indicated by the management evaluation and cash management evaluation, the probability that the cash balance will be negative or less than a certain amount within a specific period in the future is calculated. Probability may be calculated using pricing for option trading in financial engineering. For example, it is conceivable to use a knockout option.

  Based on the data of supplier evaluation, cash flow evaluation, and management evaluation, statistical analysis is performed on the results of the sample company, and a mathematical model for calculating a credit score is constructed. Then, the credit score may be calculated by collating the mathematical model.

  Next, an example of obtaining a credit score by another method will be described. In the above example, the credit score was calculated comprehensively using supplier evaluation, cash flow evaluation, management evaluation, etc., but this method requires a certain amount of data storage and is appropriate for the initial operation of the system. Might not get a good credit score.

Therefore, basically, a method for obtaining a credit score based on the information of the user company will be described with reference to FIG. FIG. 12 is a schematic diagram illustrating another method for obtaining a credit score. In FIG. 12, the horizontal axis represents the time axis, and the vertical axis represents the cash status. The left side of the vertical line indicating the present represents the past business plan (planned cash increase / decrease) and the actual results (actual cash). The right side shows the future business plan and its + direction blur (+ blur) and-direction blur (-blur).
The credit score is calculated using the company's management evaluation and the company's cash management evaluation.

The management evaluation expresses how much the plan and the actual result of the business plan are blurred, and the blur is expressed as a standard deviation (there may be only a deviation in the minus direction). In other words, the future blur width is calculated from the plan and actual blur of the past business plan, and the blur width (+/- blur width) is added to the future business plan. A width is formed.
The credit score is calculated as a bankruptcy probability that the band-like portion is negative (fund short).
In addition, considering the magnitude of blurring in the category (industry, region, scale) to which the user company belongs, a relative comparison is made in that category and scored (for example, expressed with a maximum of 5 points).

Also consider cash management evaluation as part of management evaluation.
The cash management evaluation expresses how much the cash flow schedule and results are blurred, and the blur is expressed as a standard deviation (there may be only a deviation in the minus direction).
Relative comparison of blur magnitude in the category (business type, region, scale) to which the user company belongs is made and scored (for example, expressed with a maximum of 5 points).
In order to calculate the uncertainty of cash flow, the company's own information such as management evaluation and cash management evaluation is used as an element, but the uncertainty (blur) is corrected using various data of the category to which the user company belongs. It is also possible to do.

  In this way, it is possible that the future blur will be calculated from the past plan and actual results based on the variance of the standard deviation etc. against the business plan (cache plan) self-reported by the user company, and below the bar (cash will be negative) The probability of bankruptcy (credit score) is calculated from the above. Furthermore, if the data of the user company is accumulated, blur correction is performed according to the type of industry, region, and scale. Thereby, the accuracy of blurring is improved.

  Further, the company information providing server 1 of the present system has a fixed repayment probability when it is assumed that the user company lends for a certain period (for example, one year) to the company PC3 and financial institution PC4 of the user company as additional information. The maximum loan amount that is equal to or greater than the probability (for example, 99% or more), that is, the loanable amount is presented, and the applicable interest rate is also provided.

According to this system, users are encouraged to input daily cash flow data by providing financial support, and the companies are evaluated based on the cash flow data and loaned to financial institutions that are scheduled to provide loans. Since non-name company group information is provided for non-requesting user companies and name disclosure request company group information is provided for loan-requesting user companies, user companies can receive financial business support. It is possible to respond to loan requests by referring to the evaluation based on cash flow data for companies that have requested loans, and it is easy for companies that have not requested loan to refer to the evaluation based on cash flow data for easy loan application There is an effect that can be done.
In other words, since the above evaluation is based on daily cash flow, it has real-time characteristics and high evaluation reliability, and is effective as a judgment material for determining a loan in a financial institution.

  In addition, according to this system, monitoring information based on the cash flow data of the user company is provided to the financial institution that executed the loan, so it is easy to know the progress of repayment for the loan and the future cash flow. Therefore, it is possible to easily monitor the loan destination after the loan.

  In addition, according to the present system, the daily company information of the user company and the client company can be provided to general companies or investors based on the company accounting information and the client company information input from the user company. As a result, it is possible to easily know the management status of the user company and the client company.

  Moreover, according to this system, even a company that has just been established, a small company, or an individual business owner can make an evaluation based on cash flow, so that it is easy to realize a loan from a financial institution. is there.

  In addition, according to this system, since the loan amount and interest rate for the short-term working capital of the company can be presented to the user company as a commitment line from the credit score and cash flow, the user company can raise its own funds. It has the effect of recognizing power.

  In addition, according to this system, each evaluation and credit score is fed back to the user company, and further improvement items are notified, so that the user company can improve the evaluation and credit score by making improvements according to the improvement items. There is an effect that can be improved.

In addition, according to this system, while the conventional scoring system of financial institutions required enormous bankruptcy data, the basic bankruptcy probability is increased by the accumulation of certain time series cash flow data of individual companies. It can be expressed, and there is an effect that scoring can be facilitated.
However, it is conceivable to correct the model using statistical data according to the accumulation of data.

  In addition, according to this system, since the credit score is calculated from the blurring of the future business plan based on the company's own information, even during the initial operation when a sufficient number of data is not accumulated, There is an effect that an appropriate credit score can be obtained.

In this system, the company information providing server is provided independently of the financial institution, but the company information providing server may be provided in the financial institution.
Furthermore, in this system, a plurality of financial institutions are assumed, but only one financial institution may be supported. In this case, one financial institution PC and the company information providing server may be integrated. .

  The present invention facilitates the provision of cash flow data from the borrower side, and the lender side easily provides the borrower's evaluation information before funding and further provides monitor information after the funding, so that both the borrower and the lender. It is suitable for a company information providing system that can improve the convenience.

1 is a configuration block diagram of a company information providing system according to an embodiment of the present invention. It is a block diagram which shows the structure of the company information provision server. It is explanatory drawing of the schematic function implement | achieved by the company information provision server. It is the whole cash flow screen screen schematic diagram displayed for users. It is the schematic of the operating revenue part in the screen of a cash flow chart. It is the schematic of the business expenditure part in the screen of a cash flow chart. It is the schematic of the balance part in the screen of a cash flow chart. It is the schematic of a loan candidate company list screen. It is the schematic of an investment execution company list screen. It is the schematic of a loan request company search result list screen. It is a flowchart which shows a credit score calculation process. It is the schematic which shows another method of calculating | requiring a credit score.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Company information provision server, 2 ... Company information DB, 3 ... Company PC, 4 ... Financial institution PC, 5 ... General company PC, 11 ... Control part, 12 ... Main memory, 13 ... Storage part, 13a ... Program storage part 13b: Data storage unit 14: Interface unit

Claims (12)

  When the company's own accounting information and customer information based on the company's cash flow are input from the user company, financial support information is provided to the user company based on the input information and the fund provider is provided. If the user company does not wish to provide funding, it provides evaluation information based on at least the input information without announcing the company name of the user company, and if the user company wants to provide funding, A company information providing system comprising a company information providing server that announces a company name of the user company and provides at least the evaluation information and detailed information for providing funds.   When specific business partner information is input from a plurality of users, the corporate information providing server aggregates the input information for each specific business partner, and collects the business partner information collected for general companies or investors. The company information providing system according to claim 1, wherein the system is provided.   The company information providing server provides at least evaluation information, location, type of business, and organization form information to the fund providing source when the user company does not wish to provide funds. 2. Company information provision system according to 2.   The company information providing server provides at least evaluation information, location, industry, organization type, desired loan amount, desired loan interest rate, capital, sales amount to the funding source when the user company wants to provide funds. The company information providing system according to claim 1 or 2, further comprising providing information on a company name of a user company.   When the company's own accounting information and customer information based on the company's cash flow are input from the user company, financial support information is provided to the user company based on the input information and the fund provider is provided. If the user company does not wish to provide funding, it provides evaluation information based on at least the input information without announcing the company name of the user company, and if the user company wants to provide funding, Announcing the company name of the user company, providing at least the evaluation information and detailed information for funding, and if funding is provided to the user company, to the funding source that provided the funding A company information providing system comprising a company information providing server that provides monitor information based on the evaluation information and cash flow of the user company.   6. The company information providing system according to claim 5, wherein the company information providing server provides the user company with its own evaluation information.   7. The company information providing server is characterized in that the condition for cash fluctuation is registered in advance from the funding source for the monitor information, and notifies the funding source when the monitor information matches the condition. Company information provision system.   The company information providing server has registered the funding conditions for each funding source in advance, and when the user company wants to provide funds, the company wants to provide funds to the funding source that matches the above conditions. The company information providing system according to any one of claims 5 to 7, characterized in that a notification has been made.   6. The company information providing server graphs and outputs evaluation information for a specific period as information to be provided to a fund provider together with benchmark values according to the size, type of industry, and region of the user company. The company information providing system according to any one of 1 to 8.   10. The company according to any one of claims 5 to 9, wherein the company information providing server provides the user company with an amount of money that can be provided and an interest rate based on the cash flow and evaluation information of the user company. Information provision system.   11. The company information providing server provides to the fund providing source evaluation information that is aggregated and averaged by size, type of industry, and region for the entire user company. The company information provision system described.   The company information providing server adds a blur to the business plan including the future cash flow of the user company based on the business plan including the past cash flow of the user company and the past results. The corporate information providing system according to any one of claims 1 to 11, wherein a credit score is calculated by obtaining a bankruptcy probability of the user company from the possibility of being negative.

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